vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
In XXXX, when XXXX XXXX had a promo for streaming of XXXX XXXX XXXX for {$14.00}, I tried signing up. I never got a confirmation ; I never got to watch the movie and the movie was pulled out by the end of XX/XX/XXXX. 

By email and thru XXXX XXXX, I learned that somehow, that I was being charged for the streaming service which can be streamed only through XXXX. I canceled my subscription with XXXX back in XXXX when that company warned me that XXXX XXXX sets will no longer be supported by their company. All of my TV sets were manufactured by XXXX. Furthermore, I disputed the XXXX charge and was consequently refunded for the charges for XXXX XXXX XXXX and XXXX of XXXX. 

When I disputed the XXXX charge of {$12.00} with XXXX in XXXX, I got nowhere. I wrote their corporate office and closed my account with them as a means of stopping the recurring charge from XXXX. I also canceled any dealings with XXXX altogether. 

Instead of acknowledging my dispute with XXXX and Citi Collections, they charged me a late fee for more than the original charge of {$12.00}. 

I find their action filled with malice when the charge was reported to the credit reporting bureaus while the monthly charges of {$12.00} for each month of XXXX and XX/XX/XXXX are being disputed.

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 2021-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX ( DOB :XX/XX/XXXX SSN # XXXX ). As ofXX/XX/XXXXlast month I reviewed my credit report and a Capital one credit card account unauthorized by me. This account is listed as an primary user in my name which I have absolutely no knowledge of!! I've contacted Capital one several times regarding this closed account however I havent received any correspondence to date. I had no knowledge of this Capital card ( XXXX ) that was opened onXX/XX/XXXX. I was XXXX XXXX XXXX. This card has caused problems causing me to get denied to enroll in college and further school opportunities. This has affected me from securing student loans and nearly caused me to be homeless. Im requesting the removal of this account immediately off of my credit report otherwise ill be moving forward by seeking legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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
State: PR

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 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 non-monetary relief
Consumer complaint received 2021-05-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently reviewed a copy of my Experian credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by XXXX/XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX, MN 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 2021-05-07 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Hello support team, Im hoping someone can help me with my situation here. So, on XX/XX/2021 I sent out letter regarding inaccurate and unknown information that I found on my credit report after reviewing my report early this year. I'm so frustrated. I reached out to these companies for an explanation on the wrong stuff and still to this day, I have not received anything at all. not even an acknowledgement to my concerns, and we're approaching over 60 days later. I thought they were suppose to look into this for me and get it corrected, especially after that Equifax data breach that put my information in jeopardy. 

I'm like really stressed out and dont know what to do, I have a new baby thats depended on me and this is really slowing my down and now I'm being ignored of my disputes too. I've been reading up on all of this and I see that in Section 611 ( a ), it is plainly states that a failure to investigate these items within 30-45 days give a clear reason to immediately remove those items from my credit report so I can go ahead with my life. We're approaching almost 60 days, so I am asking you to help me get these items deleted as soon as possible. I have attached some of the issues in the letters below for your reference. 

I demand these accounts be deleted immediately so I dont have to file for ligitation which would be just even more stress for me and my family, I just want to know if my information was in the hands of the wrong person, before things get too bad. 

Thanks for looking into this for me and helping me out. 
This means alot,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I represent two Parties - ( 1 ) Myself trying to pay a payment to a small business - XXXX XXXX XXXX XXXX  - a small not-for-profit dive club ... 
For the last year ( 18 months ) this kind of transactions have been allowed ( within a weekly limit of - I think - {$400.00} ) I am - was used to -using Zelle - " the back door way '' - say when your financial institution ( credit Union - mine is XXXX XXXX does not officially supporting Zelle as an offered service ) does not support - you follow the instructions on the Zelle `` how to pages '' : signup [ with the cell phone app ( XXXX or XXXX XXXX ) and use your ATM card ] - my last attempt was blocked - with the error message - that a back-door Zelle payment ( ATM based ) is not allowed to go to a small business???

This defies the purpose of the whole system???

The second party ( 2 ) is that I am an XXXX XXXX - XXXX XXXX XXXX XXXXl - and pour business do rely on getting the payments - for dues and trips - that are now blocked - see above I do have a detailed writeup - that I hope I can upload - if not please reach out for details

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Someone was suppose to handle the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021, an auto-payment charge of {$6.00} was made to my Wells Fargo credit card. 

I was unaware that this charge was present as I had added a new payment method to that website and was under the impression that my account had a {$0.00} balance. 

As soon as I saw my credit score had decreased due to my Wells Fargo account, I logged in and submitted payment in full. I contacted Wells Fargo who told me that they would not contact the credit bureaus and would not remove the late payment from my report, and advised I contact the CFPB as it was an unfair situation, but it is against their policy. 

They informed me that a letter was sent to my residence in XXXX as a final effort to receive payment, but I moved on XX/XX/2021 and did not receive the letter. 

I have a {$0.00} balance with WF now, and have been 100 % on ALL credit line payments ( WF or not ) for the past 7 years. I am absolutely horrified that a missed payment of under {$7.00} has resulted in a credit score drop of 40-70 points ( depending on which website I am looking at ) for the next 7 years. I resolved the payment immediately and need help to keep this {$6.00} mistake from effecting the 33 % weighted late payment category of my credit for the next 7 years of my life.

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 2021-05-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently reviewed a copy of my Experian credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, CO 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 2021-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MN

Complaint narrative:
I was denied loan forgiveness under the TEPSLF stating I had not made enough qualifying payments from a recent letter dated XX/XX/XXXX. I had XXXX on XX/XX/XXXX, and still have XXXX as of XX/XX/XXXX. I have submitted all my Public Service Loan Forgiveness Certifications forms from my employer, and yet they said they have not had time to update my payments, which disqualifies me for student loan forgiveness. They can not give me a time line as when this will be updated and laughed at my request. I have been through this before with them, and NOTHING HAPPPENS. I am so upset at the lack of cooperation, honesty, horrible communication, and lack of respect. My loans are to be forgiven this XX/XX/XXXX. I have never missed a payment and have followed all the rules regarding PSLF, it makes me sick at how this company can be so dishonest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
THESE COMPANYS ARE REPORTING FALSE ACCOUNTS ON MY CREDIT REPORT THAT I NEVER SIGNED FOR OR USED I HAVE ASK FOR THESE ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORT YET THEY HAVE NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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
State: IL

Complaint narrative:
As of XX/XX/XXXX PayPal sent me a message saying limitation to my account because of a case on my account which I didn't have any idea of the following weeks I reached out to them to resolve my account and as of today XX/XX/XXXX I received a email from PayPal stating that I no longer have access to my account because of malicious behavior which is ludicrous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently reviewed a copy of my Experian credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by US SM BUS ADMIN XXXX at XXXX XXXX XXXX XXXX XXXX, TX 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 2021-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: IL

Complaint narrative:
The items I bought was clothing and they were to small they had to be send back Thats the way I wanted it I did not want them to resend a bigger size. 
I told them that on emails and phi no r calls that were eventually collection calls The clothes were to small and packed and sent back!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Hello support team, Im hoping someone can help me with my situation here. So, on XX/XX/2021 I sent out letter regarding inaccurate and unknown information that I found on my credit report after reviewing my report early this year. I'm so frustrated. I reached out to these companies for an explanation on the wrong stuff and still to this day, I have not received anything at all. not even an acknowledgement to my concerns, and we're approaching over 60 days later. I thought they were suppose to look into this for me and get it corrected, especially after that Equifax data breach that put my information in jeopardy. 

I'm like really stressed out and dont know what to do, I have a new baby thats depended on me and this is really slowing my down and now I'm being ignored of my disputes too. I've been reading up on all of this and I see that in Section 611 ( a ), it is plainly states that a failure to investigate these items within 30-45 days give a clear reason to immediately remove those items from my credit report so I can go ahead with my life. We're approaching almost 60 days, so I am asking you to help me get these items deleted as soon as possible. I have attached some of the issues in the letters below for your reference. 

I demand these accounts be deleted immediately so I dont have to file for litigation which would be just even more stress for me and my family, I just want to know if my information was in the hands of the wrong person, before things get too bad. 

Thanks for looking into this for me and helping me out. 
This means alot,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Someone was suppose to handle the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
Someone was suppose to remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: BAM Management US Holdings Inc.
State: NV

Complaint narrative:
I download it to binance us app on or around XX/XX/XXXX I went through the process of identifying myself with my ID and photo / selfie I was informed my basic identification what's complete so over the over the next few weeks I loaded money on the app using a XXXX XXXX ATM so as the value went up and my situation changed I wanted to withdraw my funds then realizing there was another step to the advanced verification process so I have to repeat the first two on top of adding financial statements from my bank but I can't do the third step does my account has been pending for weeks I get no help from customer service and I need my assets

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently reviewed a copy of my Experian credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX

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 2021-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: SC

Complaint narrative:
I recently started using Binance.US for investments and end of XXXX ( XX/XX/XXXX ) my account got locked due to an accidental charge back. I have done everything theyve asked me to do to reactivate my account. 

I have settled all the money discrepancies, and since then Ive had my deposits activated to be able to deposit more money into their bank XXXX XXXX XXXX, but they will not allow me to do any trades, sales, purchases, or withdrawals at all. Im only allowed to deposit into the account from my other bank account. On XX/XX/XXXX I submitted a support ticket after redoing all of their verification steps, and when you submit a ticket it states to not submit multiple bc it pushes you back in line further. On XX/XX/XXXX they responded that they had not viewed my ticket & that they hoped it resolved itself, & that if I need more help to respond. Since I had not had anything resolved, I responded with no response back from them. I sent another email at exactly one month from their first response on XX/XX/XXXX asking to please unlock my account, or give me the steps I need to do. Still no response and its been another week. 

When I look online for help from them there is no phone number to reach them. They have no chat option to directly interact with a human. The support ticket Ive sent in has not been reviewed still from what I can see and I have money trapped in investments that I want to sell! I cant keep sending support tickets because it will push back further according to their website, and all I need if for my account to become unlocked for buying/selling/trading/withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
Hello, I have sent 3 letters via certified mail to ( American Collections Enterprise inc ) on the dates below notifying them that they did not validate this is my debt, instead, they sent me all my personal medical records that violate my HIPPA rights. I was not sent a HIPPA release form and that makes them having my personal medical records without my permission against Federal law. They have yet to respond or remove this account from my credit report. requesting Dates letters sent : XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX claimed I owe : {$1500.00} Thank you, 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 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Someone was suppose to remove these inquiries.

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 2021-05-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently reviewed a copy of my Transunion credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN 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