vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal limited my access in my account that I can't transact with my paypal account or limited it for ever. So I can't withdraw my money in it and paypal said that they will hold it for about 180 days or a 6 months long. I just want to get my money or close my account so that I will get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
i have sent numerous of letters to XXXX stating i do not owe XXXX $ and to have it removed from my credit as a debt collection. this collection is hindering my credit and i demand it to be removed. i only had XXXX for less than 2 weeks, and i paid the phone bill in FULL and i also returned the cellphone i had with XXXX. the XXXX $ they are trying to collect if false and inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The XXXX XXXX XXXX account is not past due. The account is under investigation pursuant to The Fair Credit Billing Act ( FCBA ) which lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute.

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 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The XXXX XXXX XXXX account is not past due. The account is under investigation pursuant to The Fair Credit Billing Act ( FCBA ) which lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Complete Credit Solutions, Inc.
State: CA

Complaint narrative:
Complete Credit Solutions has violated several FCRA laws on XX/XX/21 by reinserting a previously blocked 605B fraudulent account. The account was blocked and removed from my account by the CRA. Complete Credit Solutions violated FCRA by reinserting a known blocked fraudulent account back on my report as a " New Account '' to circumvent credit reporting agency guidelines in place to prevent reinsertion. In addition, Complete Credit has violated other VERY SRIOUS FCRA Laws. Creditor is not allowed to reinsert a blocked account and I have written proof that you have violated the law on XX/XX/21. This is highly illegal and must be deleted immediately. You have five days to delete.

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 2021-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
This company is attempting to collect on a debt that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: AL

Complaint narrative:
I accepted an offer from Discover last year for a promotional 6.99 % interest rate on balance transfers or new purchases. I read the fine print and agreed to the 12-month term of the offer, which stated if the balance of the transfer or purchase was not paid off within 12 months, the balance would be subject to my regular, higher interest rate. My plan was to make equal payments each month to pay off the promotional rate balance prior to its expiration. However, when the balance did not decrease at the rate I thought it should, I " discovered '' that Discover applies only the minimum payment to the lower interest rate balance. Anything above the minimum goes to the higher interest rate balance. 
This arrangement makes it impossible to pay off the lower-interest balance before the special rate expires unless I pay off the entire balance of the card ( not currently an option ). " XXXX '' in customer service tried to tell me that Discover is actually saving me money by putting my payment above the minimum due towards the higher interest balance. In fact, this does not save me money in the long run because the remaining balance will be subject to the higher rate at the end of the promotion term. 
Discover lowered my regular interest rate by 1.05 % in an attempt to appease me. I asked if they could raise my " minimum amount due '' so that I could pay down the special interest rate offer in a reasonable timeframe. They refused. 
This is a debt trap and very consumer unfriendly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Someone accessed my Coinbase account on Friday XX/XX/2021. He/she deposit XXXX to coinbase from my bank without my authorization. Following sells all my cryptocoins, and withdrawal {$8500.00} to third party account of XXXX XXXX XXXX with 4 last digit XXXX. 

Tried to contact Coinbase customer service by email/phone to prevent the withdrawal which will happen on Wednesday XX/XX/2021. Only get automatic respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I gave my 30 day notice to my former apartment complex, which they received and were given keys as well in person XX/XX/20. We moved due to a Roach infestation that has been an issue since the very first week of moving there and we were convinced the property had no roaches and told its not the buildings fault, however every unit had roaches. The manager was extremely rude my entire time in this building and would not speak to me but only to my partner because he spoke XXXX. She would yell at me, degrade me and make disrespectful comments to my family. We lived there for 2 years and the building was not maintained, rent always increased and multiple times without notice, and now that weve moved during Covid because of the roach issue and we were accepted to participate in the ERAS rent relief program with XXXX city who worked directly with the manager and now I see a collections report of over XXXX owed which was never even mentioned, they never returned our deposit to us, nor is it possible to owe them that much money. I was never notified of this until I saw it show up on my credit report. This company has done multiple illegal issues throughout our time living there and I can not pay that amount, especially when it is not accurate and I dont know why it is there.please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On or around XX/XX/XXXX, I disputed eight ( 8 ) inquiries ( XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ) with Experian communicating that I had contacted each company directly and they could not provide me with any information regarding the above referenced inquires. Experian failed to investigate the inquires and delete and remove them as required.

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 2021-04-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Unauthorized transactions of about {$1800.00} all in one day through XXXX of which I have no account with and Citibank refuses refund.

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 monetary relief
Consumer complaint received 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are alleged accounts being reported on my consumer report. I have not authorized and I do not consent or validate these accounts as mines. I do request that they be removed. My rights and the consumer law has been violated. I am a federally protected consumer and know that and this issue has caused extreme stress on me.

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
Consumer complaint received 2021-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have five closed accounts in which is reporting derogatory on my report. it is closed but they report my account as late and i have made on time payments and they don't accurately note when i was supposedly late. XXXX forced borrowers in payment options that caused borrowers to fall behind and those issues get reported as late on the credit report. i have notified " Equifax '' of this problem but they ignored it and refused to correct the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXXARD Bank Credit Cards Inquiry date : XX/XX/2021 THIS IS NOT MY INQUIRY, PLEASE REMOVE THIS FROM MY CREDIT FILE

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
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
This company is attempting to collect a debt that is not owed.

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 2021-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
This company is attempting to collect a debt that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brown Olcott, PLLC
State: AZ

Complaint narrative:
Brown|Olcott a collections agency sent me a demand letter on XX/XX/2020 with an incorrect debt amount. ( attached ) ... ... ..

Within the 30-day dispute window, I sent two dispute emails ( attached ) to them, but never got a response as required by the FTC FDCPA. The FDCPA requires the collection agency to cease collection activity while disputes are unanswered. It persisted without resolving the debt discrepancy ... ... ... 

The amount demanded was not delinquent on XX/XX/2020 and included amounts already paid, not yet past due, not yet invoiced, and associated with a recurring monthly fee that had never been delinquent. ( annotated creditor statement attached ) ... ... ..

Brown|Olcott filed a lien against my property and refused to remove it, despite all creditor 's invoices being paid directly to creditor. ( Creditor accepted payments in breach of its collection contract. ( attached )

Company response to consumer: Untimely response
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express is in violation of 15 usc 1692c ( c ) - If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. AMERICAN EXPRESS has been notified in writing to cease and desist communication. AMERICAN EXPRESS continues to violate my consumer rights while continuing communication through mail and emails even after receipt of Cease-and-desist letter. Pursuant 15 usc 1691 ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a transaction- because the applicant has in good faith exercised any right under this chapter AMERICAN EXPRESS suspended all charging privileges threated to cancel my consumer credit plan and threated to refer my consumer credit plan to a local attorney offic after I invoked my consumer rights. AMERICAN EXPRESS is in violation of 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. AMERICAN EXPRESS sent mail with symbols on and in the content inside the envelope through the mails that indicates their in the debt collection business. AMERICAN EXPRESS is civilly liable Pursuant 15 usc 1692k.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-18 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: NY

Complaint narrative:
Equifax keeps reporting a fraudulent address on my report. I never lived in the XXXX. I sent several letters with my correct address and they refuse to remove the fraudulent address. I sent documents showing my proper address that mail is delivered by the United States XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Oportun put me on a hardship program due to the pandemic and they have reported me 30 days later and have completely ruined my credit. I have been in constant communication with them throughout the months and have not stopped paying the minimum they have asked of me. I am currently going through the process of getting my XXXX  claim reprocessed due to fraud and have not received a dime since XX/XX/2020. The state knows this is happening to my XXXX  file so they have been giving me XXXX XXXXs meanwhile they sort everything out. I find it extremely unfair that Oportun would do this to me now that Im struggling. I have spoken to customer service consistently and I know the calls are recorded for the record. My credit score decreased XXXX points and now I will be unable to get a car and the apartment I was looking forward to once I go back to work. I wish i didnt have the underlying conditions I suffer from or else I wouldve never stopped working. I have XXXX and get mild XXXX and mild XXXX when I get sick. First it was my income now its my credit it feels like I cant catch a break.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On or around XX/XX/XXXX, I disputed XXXX ( XXXX ) inquiries ( XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ) with Equifax communicating that I had contacted each company directly and they could not provide me with any information regarding the above referenced inquires. Equifax failed to investigate the inquires and delete and remove them as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Improper use of my credit report is at the hands of TransUnion. I have never validated this debt and I am the original creditor. I do not consent to any of the alleged accounts and demand by that you TransUnion comply!

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 2021-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
I am honestly not sure what the collection is for but a company is telling me I owe {$1600.00}. It started back around XXXX of 2020. I received numerous emails and letters in the mail since then asking for the collection. I do not recognize the company as someone I have done business with before. The collection is messing up my credit score, and also being an XXXX  that makes it hard for me to get loans to help start my business.

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 2021-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I HAVE A CHECKING ACCOUNTS WITH NAVY FEDERAL CREDIT UNION FOR OVER 3 - 4 YEARS. ON XX/XX/2021. I TRIED TO USE MY ATM CARD AND IT DID NOT GO THROUGH. I REACHED OUT TO THE BANK RIGHT AWAY BECAUSE I WAS HAVING A BALANCE OF {$1600.00}. THEY TOLD ME THAT THEY HAVE BLOCKED MY ACCOUNT DUE TO A FRUD THEY HAVE NOTICED ON IT, AND SHOULD HAVE TO WAIT FOR A COUPLE OF DAYS FOR THEIR INVESTIGATION BEFORE I COULD WITHDRAW OR DEPOSIT. I WAITED FOR XXXX WEEKS AND CONTACT THEM AGAIN FOR I WAS GETTING READY TO TRAVEL TO XXXX HAVE ISSUED SOME CHECKS FOR MY CAR NOTE AND ALSO SOME OTHER BILLS. ALL WAS IN VAIN AND HAVE TO PAY A LATE PAYMENTS AND ALSO ADITIONAL FEES ON ALL THE RETURN CHECKS. SINCE THEN, ALL THE ATEMPTS I HAVE MADE HAVE PRODUCE NOTHING. LATER I CALLED THEM AND THEY TOLD ME THAT WHAT THEY HAVE DONE ON THE ACCOUNT WAS PERMENANT, MEANING I CAN NOT GET MY MONEY OR DEPOSIT ANY MONEY INTO THE ACCOUNT, AND ALSO THREATINING ME TO PAY AN AMOUNT OF {$1500.00} TO THE BANK IN ADDITION TO MY OWN MONEY DEPOSITED IN MY ACCOUNT. THIS HAVE PUT ME INTO FINANCIAL DISTRESS BECAUSE OF THE PENDAMIC AND NEEDED HELP TO RESOLVE IT FOR ME TO GET MY MONEY AND IF POSSIBLE A REWARD TOWARDS THE EXTRA EXPENSES THAT HAS BEEN MADE TOWARDS THE RETURNED CHECKS AND THE LATE PAYMENTS. I CAN BE REACHED ON XXXX OR XXXX. THANK YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
Wells Fargo is reporting unvalidated negative information on my credit profile to the three major credit bureaus XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
American Express is reporting unvalidated negative information on my credit profile to the three major credit bureas ( XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation