vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I called XXXX and sent a dispute to the credit bureau in XXXX about the account still showing open on my credit report. XXXX is saying the credit bureaus take 90 days to update their records. Which is false ... one because I did a dispute with XXXX and XXXX lied and told them the account is still open. And they are refusing to correct it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called XXXX and sent a dispute to the credit bureau in XXXX about the account still showing open on my credit report. XXXX is saying the credit bureaus take 90 days to update their records. Which is false ... one because I did a dispute with experian and XXXX lied and told them the account is still open. And they are refusing to correct it on my credit report

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 2021-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
CAVALRY PORTFOLIO SERVICES reporting debts accounts on my credit file which have nothing to do with me. I never had any type of business with Cavalry and I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This company isnt complying with its own Policy in a timely manner, they've had more 30days to respond, i sent out a letter on XX/XX/2021, and im requesting all items involved be permanently deleted from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This company isnt complying with its own Policy in a timely manner, they've had more 30days to respond, i sent out a letter on XX/XX/2021, and im requesting all items involved be permanently deleted from my consumer report

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 2021-04-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/21 I made a payment on a credit card to clear a balance. It was not late and the account was and is in good standing. On XX/XX/21 I received an alert saying that my score changed. When I checked my score it had dropped 97  pts even though my credit utilization went down and nothing else changed in my profile. When I called Transunion to find out what happened on XXXX and spoke with XXXX and her Supervisor XXXX ( neither would provide a last initial or ext number ) they told me that they couldnt give me specific information and advised me to order a credit report ( which wont have the score on it ).

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 2021-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
Not my Auto Loan. IDENTITY THEFT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: Collection Bureau of the Hudson Valley, Inc.
State: TX

Complaint narrative:
when i saw my credit report, I saw that there are accounts that i never applied for nor had communication with

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/XXXX, I received a letter from U.S. Bancorp dated XX/XX/XXXX stating that they were unable to open a checking account for the Plaintiff. The application id was XXXX. As per the letter, the adverse action happened on or around XX/XX/XXXX. However, I never applied to open a new bank account with the bank. I sent an 609e requests which was delivered to them via certified mail on XX/XX/XXXX, XXXXI received a call from XXXX ( Phone number XXXX XXXX XXXX ) confirming that the letter was received. As of now, U.S. Bancorp to provide documents required under 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) has passed.

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 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
Companies like Fortiva shouldn't be in business. This company have absolutely nothing to offer customers but alot of Fees and not even during COVID-19 do they have anything to offer customers and this is the only so called credit card that have nothing to offer customers. They also report you to the Credit Bureaus the day after Lying that your payment is late which they've already caused my credit score to drop drastically. They have these XXXX phone agents who barely can speak any English and who don't Comprehend English either so they Lie and make things up as they go along. I also included a screenshot to prove this XXXX  company charged me the same day i made my payment the same day the bill was due. This is why i stopped even using there card and if it wasn't for COVID-19 i would've been paid this card off and stopped dealing with this XXXX  company. I'm being charged a {$40.00} Late Fee for paying my bill the day it's due. On XX/XX/2021 Fortiva charged me a Late Fee the same day the bill was due. On XX/XX/2021 when i called and requested the Late Fee be removed i got the run around. I spoke to a Supervisor name XXXX  who sat there and said she could have the {$40.00} Late Fee removed right then and there yet as of XXXX the Late Fee is still on there. 

Fortiva have a cut off time of XXXX XXXX and yes i made my payment after XXXX XXXX but it was paid the day that it was due yet they charged me a {$40.00} Late Fee the same darn day. I'm sick of so called credit card companies trying to give a cut off time then charging a Late Fee the same day. These people are XXXX and XXXX and they act like they don't Comprehend well. You have one XXXX name XXXX who tells me he don't have a clue what i'm talking about. It seem that none of these XXXX phone agents know anything and they're very XXXX and try to be very Sarcastic while being XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XXXX XXXX, 2021 my Shell gas card was canceled after I moved from my apartment to a house in the same state of Michigan. Ive been a idea paperless customer with them for 2yrs which I have never received a statement from them in the mail because I always paid online when I called them to correct the matter they stated the reason for my cancellation was because they stated their monthly statement was returned to them by mail because of unknown address, my local post office was aware of my moving but takes 2 weeks before changes go into effect I explain that to credit card company they said they cant reverse their decision once its been canceled I would have to reapply. I lost 2 yrs of perfectly paying my balances and my FICO Score dropped as well, I sincerely hope that you can help in this matter ...

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 2021-04-05 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:
My PayPal account was limited for 180 days beginning last year following a transaction that I attempted to clear up with PayPal without any success despite availing all the requested documents. I resolved to wait for the 180 days which I completed but PayPal still denies me access to my funds as I can only withdraw the funds from a XXXX XXXX  account despite originating from XXXX. I have made requests to the company to permit me to use the banking option I was using previously or to link a local bank account but this has been unsuccessful. My PayPal email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: RI

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: RI

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 2021-04-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: NY

Complaint narrative:
On XX/XX/2021 Paypal limited my account the moment after I loaded {$500.00} of my own cash at a nearby XXXX XXXX store. I have provided all of the information requested of me but my account remains limited. I received an email from XXXX on XXXX XXXX, 2021, XXXX XXXX  and it stated the following : XXXX XXXX XXXX XXXX, 2021, XXXX XXXX  ( 2 days ago ) to me Dear XXXX XXXX , Thank you for your cooperation in completing the review of your account. 

You've already completed the following actions as part of our review : - We've received acceptable copies of the following documents or information : We're still unable to complete the review process of your account at this time. Please help us finish this process by completing the following steps : Provide a copy of a valid identification document, such as your driver 's license, passport, or any other government issued identification document. 

Please provide tracking information for following transaction ( s ) to confirm the buyer received your items. 

-Transaction ID : XXXX Please include the following information : * Tracking Number * Name of Shipping Company including the address of their website * PayPal Transaction ID You can input this information in the Transaction Details page of your PayPal account. 

If you can't obtain a tracking number, please provide proof that the item was shipped. A Proof of Shipping document can be obtained from the post office or company that shipped your item. You can upload this document to us in the Resolution Center. 



Please help us by completing the required steps within 10 days from the date you receive this email. If we receive no response within 10 days, you will need to contact us by phone or email so that we can manually update your case status. 

After you complete these steps, we will review your information and contact you about the status of your PayPal account within 2 business days. We may ask you to provide further information if necessary. 

Thank you for your co-operation and support. Please let us know if you need further assistance. You may contact Customer Service by clicking 'Contact Us ' at the bottom of the PayPal website. 

Sincerely, XXXX PayPal Please do not reply to this email. This mailbox is not monitored and you will not receive a response. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Copyright XXXX PayPal. All rights reserved. 

I can not verify if this email is genuine because I am not allowed to contact PayPal in any way during this process. They referred to a transaction ID that does not exist in my account, and after they confirmed that I verified my identity, they then proceed to say that I have not provided it. What is going on??? 

I just want my money ; I will never ever ever use Paypal services again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
XX/XX/XXXX, 2020-funds transferred to a XXXX XXXX in amount of {$500.00}, this was to purchase a XXXX. Upon transfer, I realized this person was a scam. Within 5 minutes, I knew this was a scam as the recipient of the money was no longer able to be contacted. I immediately called the " contact '' number on Venmo 's mobile site. The automated answer stated that due to covid there were no people available to answer phones and to leave a message. I decided to call XXXX XXXX bank and they were available to take my call and I placed a stop payment as the money transfer had not occurred yet. 

XX/XX/XXXX, 2020-receive email from Venmo stated that they " covered '' my funds transfer! I was also notified that my account was frozen. I then responded to email with the information that I had been scammed and was not aware that they would " cover '' my funds to pay a scammer. 

XX/XX/XXXX, XXXXreceive another email from an " account specialist '' stating that " it is in within my rights to dispute the payment with my bank '' ( ie stop payment ) but that I am still to reimburse Venmo. 

XX/XX/XXXX, XXXX-I responded to the XX/XX/XXXX email and received yet another email with " Do any of these articles answer your question? '' Which did not assist me in any way. 

XX/XX/XXXX, XXXX-I login to Venmo online chat service, no resolution. I have that printed transcript from that chat. I stated the issue, that the money sent should not have been sent due to the funds not being there and that they should not have sent on my behalf. 

Since the above dates, Venmo has continued to call me and harass me to pay them money that I do not owe as the person of interest is the scam artist and that they should try and find him. They have since continued to call me and harass me via phone and email. I also had a friend of mine transfer money to my Venmo account ( before I had the chance to tell her not to XXXX and Venmo has taken that money as well. 

The total amount due to me is {$140.00} ( XXXX from previous balance, XXXX for stop payment fee from bank, and XXXX from recent transfer from a friend ). Venmo can seek the XXXX from @ XXXX. If a consumer places a stop payment on their bank account tied to a virtual wallet, the company ( Venmo ) should maybe stop, and reach out to the person who has stopped payment and ask for a reason why to prevent this type of fraud from happening. The constant calls and emails is ridiculous and is harassment of a law abiding citizen who would not be in this predicament had Venmo contacted me to ask the reason for freezing the bank account transfer, but as I soon found out, calling their help line did not help.

Company response to consumer: Closed with monetary relief