vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. I am requesting a Removal of all incorrect or outdated personal information being reported on credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
The PayPal holds my account into limitation on XXXX that my account is suspicious I think this not right I follow all there steps I submitted all necessary documents to PayPal but my account took so long to restore.My PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IN

Complaint narrative:
Around XXXX of Last year. I noticed some fraudulent activities on my cards after realizing that my wallet was missing. I promptly called and reported said activities to Discover Credit Card company. My cards, all from Discover, were used to buy in different shops for an excruciating amount totaling {$1100.00}. The purchases were as followed : {$110.00} from XXXX NY XXXX, XXXX from XXXX XXXX  XXXX, XXXX from Everything But XXXX, XXXX from XXXX, XXXX from XXXX XXXX, XXXX from XXXX again, XXXX from XXXX. The credit card company, Discover failed to send me any resolution, after several calls and check-ups they finally sent me a resolution letter in which they stated that the purchases were not fraudulent. I called and demanded that they further the investigation and provided them with the police case number in which I declared my wallet stolen and reported the unauthorized card used/fraud that had taken place so they can have access to looking at XXXX footage of those stores and further their investigation. Until this date XX/XX/2021, I have not heard back from Discover nor received anything to inform me of the investigation. However, they put all the fraudulent charges back in my account and have been charging me interest because of them ever since. I have done all that was required from me yet I am being financially imprisoned and my credit score is being held hostage and is hurting because Discover 's investigation team, although with all the necessary tools to have a real investigation, have not done their due diligence to resolve the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Revco Management, LLC
State: AR

Complaint narrative:
XXXX XXXX  has been selling this collection to outside collectors. Theyve repeatedly been calling, and sending letters about this collection. XXXX has been previously asked to remove this collection from my credit report, but it remains on there and is continuing to cause damage to my report. They have since failed to remove it, and sold it to numerous collection companies who keep harassing me. XXXX failed to help me when I lost my employment due to COVID-19 and continued to charge my account late fees and interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have made several attempts to verify my identity by sending Transunion different forms of ID, but I still can not obtain access to my credit report. Through the Transuion website and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
In my previous CFPB complaint XXXX, Fay Servicing responded with lies. 

During the pandemic, millions of mom and pop landlords like me lost rental income and were forbidden to file eviction by the federal and state laws, yet Fay Servicing was free to file foreclosure while my account was under loss mitigation review. 

Fay Servicing took advantage of the pandemic and generated exorbitant fees in filing the wrongful foreclosure. Fay Servicing is purposefully keeping my foreclosure case open at the court for the sole purpose of generating fees perpetually. 

Fay Servicing offered me a forbearance plan, in which the first trial payment is not due until XX/XX/XXXX. Fay Servicing also filed foreclosure on the same day. The foreclosure was not on hold as they claimed in the CFPB response. I was served with summons on XX/XX/XXXX. My account was reinstated on XX/XX/XXXX. 

Fay Servicing lied about my foreclosure case status in their response to my CFPB complaint. Fay Servicing presented a notice of voluntary case dismissal and discharge of XXXX XXXX dated XX/XX/XXXX in their response to CFPB. The facts are : 1. I never received the notice in the mail as the counsel stated in certificate of service. 2. The notice of voluntary case dismissal was never filed with the XXXX circuit court. The foreclosure case is still open and actively against me because this notice of dismissal is not effective until it is properly filed with the court. Please see the attached for the foreclosure case detail. You can also find the case status by this link https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The total legal fees in connection with the wrongful foreclosure are {$5000.00}. The highly paid attorney purposefully never filed the notice with the court so they can continue to generate fees on me. This mistake is by design to keep the case open and continue to generate fees on me. 

Fay Servicing LLC, you are put on notice. I will pursue justice either through legal action and or social media campaign against you. You should immediately remediate your wrong doings against me. You cant hide under the cover of Regulation-X and making all the exorbitant fees without consequences. 

Please file the notice of voluntary case dismissal and discharge of XXXX XXXX with the XXXX circuit court immediately and refund me the advance in the amount of {$3800.00} that I have paid and discharge the outstanding fee in the amount of {$2300.00} in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citibank checking account was blocked the following day after I deposited a check into an ATM back on XX/XX/2021 for {$18000.00}. I thought there must be a mistake since the check is good, so I called Citibank 24/7 phone line for help. The representative told me that my check deposited was automatically marked as suspicious by the fraud system, which is ridiculous. I explained to the rep that check is legitimate, gave him the check issuer 's name, purpose of check, and told him to verify it as soon as possible. However, the rep informed me that he was not able to know the exact time when the review process will be over, and told me to wait. This is what got me irritated. This can be done in a day or two, yet the bank still held all of my money with no access to my account for weeks. This is a shady policy that must be addressed so that is why I am filing a complaint here at CFPB. I have never been treated this way depositing checks at other banks. I have multiple banks so it will not hurt me much, but for those other customers who rely on the fund to pay bills then this can be a disaster. 

If I do not see my account block be removed soon, then I will be putting my money elsewhere. Such immoral policy to hold a check fund for so long with No access to bank account for normal activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
On XX/XX/2021 - ( 5 ) debt validation request letters were sent by certified mail to ARS Account Resolution Services because I believe my HIPAA rights were violated. The debt validation request letters specifically requested that ARS provide a breakdown of fees including any collection costs and medical charges, provide a copy of my signature with the provider of service to release my medical information to ARS, and to cease any credit bureau reporting until the debt was validated by me.

First and foremost, ARS neglected to cease any credit bureau reporting. It took several weeks before a response was sent by ARS, but they continued to report to the credit bureaus completely neglecting my request.

ARS sent 3 letters back to me with NONE of the information I requested in the 5 debt validation letters I sent by certified mail. The letters ARS sent only presented a bill identical to the bills they've sent in the past attempting to collect a debt.

Within the letter, I stated clearly that withholding the information ARS received from any medical provider could be a violation of my rights, which they disregarded and neglected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is not sending me the proper proof/ Documents, that as a consumer is my right to know what is reporting to my credit profile/ report correctly. I have sent several dispute letters to Experian to have this Removed for not taking the proper steps. I have sent letters to Experian and they have Updated online which I never Consented Them to do so. Also they did not take the Reinvestigation seriously they just Updated. I want these Debts Removed Immediately for the improper way that they have handle these Debts. Over several disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paul Michael Marketing Service
State: NY

Complaint narrative:
XXXX XXXX XXXX posted a debt to collections sometime in XXXX. I received a bill from XXXX randomly in XXXX, with a service date from a year before in XXXX. I had health insurance at the time of this service and when I spoke to my health insurance they told me that they negotiate with medical providers and I do not have to worry or pay for bills sent to me. I called XXXX to tell me this and they said they will make a note on my account. Then I didn't get anything else from XXXX and thought this bill was resolved. Next thing I know there is a debt collection on my credit report. The debt collector " PMichaelMK '' never once reached out to me to tell me that I owe and never gave me a chance to dispute, or become aware that they placed a medical debt on my credit report. It has been sitting on my credit report for years and they have not ONCE contacted me about this debt. XXXX also handled this medical billing poorly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: ME

Complaint narrative:
I tried to close a long-dormant account ( haven't used nor have I had a card for the account since XX/XX/2020 ), account # XXXX. I messaged the HSBC Bank USA department to close the account. I provided all information requested including my social security #. However, their personal details weren't accurate on my account at all ( I've moved out of state to ME since then. ) They updated the information on their end. However, they then advised me that I would have to " Request you to please get in touch with us, once the address is updated and we will process the account closure. '' However, I was not given a firm timeframe for how long it would take that to update ( it reflected on my end immediately. ) This is the second time I have been told to call back 4-7 business days late ( the account overdraft and I transferred in funds to bring it to a XXXX balance. ) It feels like fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is a complaint about Equifax failing to set up a Fraud Alert as follow-up to a Fraud Alert initiated at XXXX. ( Note : I do not have any personal or professional connection to any of the credit bureaus and this is an unbiased complaint. ) I recently became a victim of identity theft and wanted to put Fraud Alerts on my accounts at the 3 major credit bureaus. I understand that the process is supposed to work by contacting 1 of the credit bureaus to set up the Fraud Alert, and then that credit bureau will contact the other 2 to set up Fraud Alerts at the other credit bureaus. XXXX & XXXX handled it well, but Equifax did not. I started with XXXX by logging in to my account online and setting up a Fraud Alert there on XXXX. Subsequently, I was contacted by XXXX to confirm that they had placed a similar Fraud Alert on my account there on XXXX, only 1 day after I contacted XXXX. Unfortunately, I never heard anything from Equifax. Then, 18 days later on XXXX, I logged in to my Equifax account online and saw that they had still not set up a Fraud Alert. So while I was logged into my Equifax account, I set up a Fraud Alert there on XXXX. Subsequently, I was contacted by XXXX and XXXX that they had set up another pair of Fraud Alerts on my accounts only 1 day later on XXXX. 
This is not the first time I've had issues with Equifax. In XXXX, when I set up freezes on my credit reports, the Equifax system had issues and Equifax was extremely slow & often unresponsive before finally freezing my credit report several months later. 
I now have very little trust in Equifax to protect and correctly handle my information and I wish the rule of " three strikes & you're out '' would apply to Equifax : 1 ) XXXX data breach, XXXX XXXX XXXX issues with freezing my credit report, and 3 ) XXXX issues with setting up a Fraud Alert on my account. IF I had a choice, I would never deal with Equifax and I wish other companies would stop working with them. In the meantime, I am informing people I know in the financial industry & others about my bad experiences with Equifax. I also hope that CFPB will provide greater oversight & lead to corrective actions at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This debt was opened XX/XX/XXXX. Exceeds Statue of Limitations. The Company stated the account was opened XXXX. I never received any paperwork upon me being sued and now my wages are being garnished every week. {$270.00} was garnished XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: SC

Complaint narrative:
I have received ( 3 ) unsolicited debit cards since XX/XX/21 from XXXX. 2 were Flareaccount cards and 1 was XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX, 2 unauthorized XXXX payments for {$XXXX} were taken out of my husband and my Chase checking account. We called the fraud department that evening and after going through a verification process and explaining we did not make the XXXX payments and did not know the 2 people who were sent the XXXX payments, XXXX started a fraud investigation and transferred us to another department, where the associate froze our account. The next day at XXXX XXXX, I received an email verification for a {$XXXX} payment to another person we did not know. At XXXX XXXX  I received a notification that the payment was cancelled. At XXXX XXXX the next morning we called to find out why after our account was frozen someone was still able to submit a request for a XXXX payment. We were not given a satisfactory answer and went into the bank. XXXX at the bank made sure the account was frozen and opened a new account for us. On XX/XX/XXXX, we saw both {$XXXX} payments were put back into our account. Thinking the fraud investigation was complete and in our favor, we went into the bank to have the money transferred to our new account and close the old account. XXXX XXXX, a VP at the bank checked and let us know the fraud investigation was closed with no resolution and the money would be taken back. She called the Fraud department, spoke with a manager and had the fraud investigation reopened. She told us it would be 30 days before it would be completed. While she was on the phone with someone in the fraud department, she let us know it was fraud. The person on the other end of the line told her they could see where the account had been accessed from somewhere else. We went back into the bank on XX/XX/XXXX and spoke with XXXX. He transferred the {$XXXX} into our active account and told us he would close the account on XX/XX/XXXX. That did not happen. Today I received an update that the frozen account had been overdrawn. Both {$1000.00} payments were taken out. I went into the bank and met with XXXX again. She called the fraud department and they said the investigation was closed and they found against us so they took the money back. XXXX had them open a new fraud investigation and told me to come to you for assistance since the bank is finding against us. At no time after the first or second fraud charge was submitted did the fraud department attempt to contact us. As explained to everyone, my husband and I have spoken with in the fraud department and with 3 different managers at the bank branch. We did not make these payments and do not know the people who did. The bank seeing the 3rd attempt the next day was fraud and reversing that charge is further indication that they need to return our money to us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
This is a copy of an email I received. I do not have a SQUARE Account! 
XXXX {$640.00} withdrawal from your bank account XXXX - XXXX  XXXX XXXX XXXX  XXXX  / XXXX Square. com/Support XXXX Thu, XX/XX/XXXX XXXX XXXX XXXX For your security we disabled links in this email. If you believe it is safe to use, mark this message as not spam. 
{$XXXX} withdrawal from your bank account Hello, Were reaching out to let you know that your bank account will be debited the amount of {$XXXX}. However, the customer has disputed this charge. Kindly cancel the transaction if you are not aware of this deduction, View Dashboard for more Information VIEW DASHBOARD The funds will be withdrawn within one to two business days.

SUPPORT CENTER Visit the Support Center for more information on Squares deposit schedule.

Thanks, The Square Team Receiving too many emails?

You can view all of your day 's activity on your Daily Summary Email.

Turn off Per Transaction emails now.

2021 SQUARE, INC. ALL RIGHTS RESERVED. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX UNSUBSCRIBE FROM THESE EMAILS Reply, Reply All or Forward

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
I can not reach US Bank thru their reliacard telephone number nor do they have proper resources online to file a fraud complaint. I did not file for unemployment and have filed cases with XXXX, FTC, local police, and all credit reporting agencies. Yet I still received a US Bank Reliacard. When I attempt to close the account and report it as fraud I get the run-around. It should be a very easy process to report fraud. When I call their XXXX # it says they are too busy to speak with me due to call volumes and then it just hangs up on me. Doesn't even give me the opportunity to sit on hold. This needs to be investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief