vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Approximately 2 years ago, around XXXX or XX/XX/XXXX I began receiving phone calls asking me if I had opened a credit card with this company or the other. I repeatedly said no, I hadnt. I became weary of people calling who asked me for personal information. At some point I spoke to someone on the phone who stated she was from some credit approval department or other and asked if I had applied for a credit card with their company, I said no. She said someone had tried to open a line of credit in my name and social security number and recommended I put a fraud alert. Following that conversation I put a fraud alert. Sometime after that I was contacted by a secret service agent who informed me I was the victim of identity theft along and she had an ongoing investigation as I was one among many people who had their identity stolen. I was informed I was the victim of identity theft by Secret Service Special agent XXXX XXXX. The contact number I have for her is Cell : XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX or email XXXX. I put a freeze on my credit and renewed the credit freeze since. 
More recently, with in the last 6 months, I started receiving mail from XXXX XXXX at Midland Credit Management, that stated I have a XXXX XXXX XXXX XXXX CREDIT CARD notice that I have a current balance I responded to their mail notifying them I am a victim of identity theft and provided further details. I requested they stop attempting to collect the amount since I did not open a credit card with XXXX XXXX and do not owe them money. They continue to send mail and I responded again within the last month or two, again stringing that I am a victim of identity theft. I have notified them again on XX/XX/XXXX that I am a victim of identity theft, did not open a credit card with XXXX XXXX and and do not owe them money. I also requested that they send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 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: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2020 I bought a airline ticket from XXXX website using my XXXX Credit Card and Pay Pal for {$850.00}, after few days on XX/XX/2020 I got a email from XXXX stating my part of the flight was cancelled so I called them and requested to process the refund back to original payment method and they told it'll take up to 30 days or so, then after few days XXXX did a partial refund for {$380.00} on XXXX so I tried calling them few times after the 30 day window and never got any help for the balance refund. So I've filed a dispute with my credit card company XXXX and they started the investigation and issued me a credit for the balance amount {$460.00}. Recently when I was checking my PayPal account I saw my account was now negative for {$380.00} and then I reached out to Pay Pal and what they are stating was my financial institution ( XXXX  ) did recover the money twice so my account balance was negative now, so I reached out to XXXX  and after explaining the issue they are saying they only recovered the balance money which I filed a dispute for and that was already applied to my account and I can see that on my statements. So then again I reached out to Pay Pal with all the screen shots from the conversation with the bank and they now said they can't help me with this and I need to pay the negative balance to use my account. From couple of days I tried calling Pay Pal multiple times but every time I request for a agent after few seconds I'll get a response that they can't respond to me on the phone *disconnects the call. * To this moment I tried to reach out to evary person from Pay Pal and XXXX and tried if they can raise a ticket to enquire about this and resolve this matter and no one seems to help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE COLLECTION ACCOUNTS ARE IN VIOLATION AND NEED TO BE REMOVED IMMEDIATELY. COLLECTION ACCOUNTS IS CLOSED-END AND CAN NOT HAVE LATE PAYMENTS ..MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 
NOT ONLY THAT THESE ACCOUNTS ARE IN VIOLATION WITH HIPAA LAW WHEN IT SAYS MEDICAL INFORMATION FURNISHER CAN NOT BE INCLUSEDIN A CONSUMER REPORT AND THE NATURE OF SERVICES CAN NOT BE INFERRED BY A PERSON OTHER THAN THE CONSUMER MEDICAL INFORMATION. SEE ATTACHED : XXXX ACCOUNT. 
PLEASE PAY CLOSE ATTENTION TO THE ATTACHED THESE ACCOUNTS NOT REPORTING SOLD/OR TRANSFERRED THESE ARE VIOLATIONS. INSUFFICIENT ACCOUNT # 'S. BALANCE SHOULD SHOW {$0.00} REMOVE IMMEDIATELY!!!

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 2021-01-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
THESE COLLECTION ACCOUNTS ARE IN VIOLATION AND NEED TO BE REMOVED IMMEDIATELY. COLLECTION ACCOUNTS IS CLOSED-END AND CAN NOT HAVE LATE PAYMENTS ..MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 
NOT ONLY THAT THESE ACCOUNTS ARE IN VIOLATION WITH HIPAA LAW WHEN IT SAYS MEDICAL INFORMATION FURNISHER CAN NOT BE INCLUSEDIN A CONSUMER REPORT AND THE NATURE OF SERVICES CAN NOT BE INFERRED BY A PERSON OTHER THAN THE CONSUMER MEDICAL INFORMATION. SEE ATTACHED : XXXX ACCOUNT. 
PLEASE PAY CLOSE ATTENTION TO THE ATTACHED THESE ACCOUNTS NOT REPORTING SOLD/OR TRANSFERRED THESE ARE VIOLATIONS. INSUFFICIENT ACCOUNT # 'S. BALANCE SHOULD SHOW {$0.00} REMOVE IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
hsbc co refused not allowed me to finish my application since i had information missing i had to go get my information which i did when i came back to finish my application company refused to not allowed me to finish my application and therefore not allowed me to get my credit card?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an online joint checking account with Citibank on XX/XX/XXXX for me and my daughter. Apparently, my full address did not come over with the online application. I sent over a cable utility bill to verify my daughters address with the application and they did not accept. I called back to resolve and never heard back ; however, I received emails to fund the account through the Citi app, which I did. 

On XX/XX/XXXX, I called to ask about debit cards and was told the account was locked and not opened due to a discrepancy between the address on the application and proof of residence documentation. I offered to send over the lease with correct address with both joint owners and Citibank refused offer and will not proceed to open or unlock account. 

In the meantime Citibank sent me emails indicating the account was open and asked me to deposit funds. I transferred {$15000.00} by ACH to the Citi account and it was accepted ( even though the account was technically in review ). Citibank has locked this account, will not open the account, and refuses to return the {$15000.00} in funds by rejecting the deposit and sending it back. 

Citibank has never contacted me between XX/XX/XXXX and XX/XX/XXXX to tell me there was a problem with this account. I called them to ask about debit cards and found out the account was not opened and locked. Citibank offered me no time frame or path to resolve. I was told that 30 business days from application they would start close out process and eventually they would mail me a check for the funds when process was complete ( even though they have been told they do not have the correct address and will not update ). Citibank offered me no alternative. I just want my {$15000.00} sent back by ACH from the account of origination. 

As a side note, I was solicited by Citibank with a promotional offer to open this account as a valued credit card customer. My correct address is on file with the credit cards and Citibank refused to use their own information to validate my address with this account.

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 2021-01-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX balance of {$3000.00} is incorrect. Provided supporting documentation to creditor and reporting agencies validating correct amount of debt. Refuse to look into my documents and continues to report incorrectly to my credit.

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 2021-01-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is knowingly reporting fraudulent information. XXXX XXXX XXXX XXXX XXXX have already write a statement through the CFPB that this debt is not in their office. They have no knowledge of the debt that they are reporting on my credit file. I have gone to them and gone to Experian. Today I have received another fraudulent dispute and the item remained in file. 

I am asking the CFPB to find Experian in Violation of the FCRA, The CFR, And U.S.C. please place Experian in the FTC sysemfor monitoring and award the complaint all monetary damages.

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 2021-01-22 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: Convergent Resources, Inc.
State: AR

Complaint narrative:
On XX/XX/XXXX, I submitted my initial complaint ( XXXX ) for an account appearing on my credit report that I never opened or received any goods or services on behalf of. At the time I I've noticed yet another clear violation of the Fair Debt Collection Practice Act being permitted by Convergent Outsourcing whom has violated section 1692e 8 ( Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed ) Convergent Outsourcing has failed to mark this debt or account has disputed which is automatic grounds for removal of this account from credit report. The companies reply was, Convergent Outsourcing will update the disputed status of the account to the credit bureaus ; as required. As of today, XX/XX/XXXX, this account is still reporting to the credit bureaus and has failed to mark this debt or account as disputed which is automatic grounds for removal of this account from 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 explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I sold and delivered the XXXX item to the buyer on XX/XX/XXXX, Paypal did not release my money ( said within 24 hr upon delivery ) until today ( XX/XX/XXXX. 
I had a number of transactions with the same person in the past 5 years. The item was delivered withing 3 days and Paypal did not release my fund as promised " withing 1 day, '' I checked the reason, Paypal claimed to hold it until XX/XX/XXXX. This is consistent abusive behavior of Paypal, the company already charged the fees and continued to hold customers ' fund to make a profit. I sent a number of messages but never got a responses and Paypal doesn't provide or answer calls. This is an illegal action and must be stopped! 

Paypal Transaction ID XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please review the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MN

Complaint narrative:
As a XXXX XXXX XXXX and Veteran we were impacted by the COVID Pandemic and were offered a forbearance by M & T Bank. When we were ready to resume payments we were told that our loan would be modified and that we would need to make 3 trial payments. In the process of doing so we never received any documents and that showed our new payment amounts, what the new terms would be and when the mortgage would be modified. We received phone calls almost twice a week from the bank however no documentation was ever provided to us. We were verbally told the payments to make monthly and did so in XXXX. We began the process to refinance our home with another bank and requested the forbearance and modification documents from M & T to provide to our new bank. We were requesting a mortgage statement the month of XX/XX/2021 which has not been sent to our home and is not available to see online. We requested forbearance documents which which has not been sent to our home and is not available to see online. We requested modification documents which has not been sent to our home and is not available to see online. I was told that the documents are in their QC process and would be sent to me after that process. When asked when that process would be complete no response was provided. When asked about the fact that M & T has failed to provide me a due date, mortgage amount and/or mailing address there was no response. I inquired what happens if the payment is late because that information was not provided to me and they said they would put me into default. I asked that a statement, forbearance and modification documents be sent to me via email. I was denied. I asked that a statement, forbearance and modification documents be sent to me via the secured messaging platform of their own internal online banking platform. I was denied. I am scheduled to close on the refinancing of my new mortgage in 4 days and need this information for underwriting purposes.

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 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In 2016 I had moved and was receiving bills by mail and didn't receive my bill and didn't know anything had been charged. So payment was late a few times. 

Once I realized that I moved my account online and have not had any problems since. 
I would appreciate taking the late charges off to help my credit score since it is now 3 plus years old. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Thank you for your attention to this!

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 2021-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There was a hack to my checking account on Capital One Bank on the day of Monday the XXXX of XX/XX/2021. The fraudster hacked in around XXXX XXXX and had utilized the XXXX payment system tied to Capital One and sent out {$650.00} USD to the fake name XXXX XXXX. The money and my account are put on hold and pending credit, instead of immediate reimbursement for the banking customer. According to Capital One 's investigation department, they take this issue as a customer fault using it as an excuse to close your account without questions or proper investigation putting the customer second instead of first. Also, based on research other banks will refund you this money since you are utilizing their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: FL

Complaint narrative:
I disputed this account on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX and have not gotten a response from Equifax about this account in question. 

Chapter XXXX Bankruptcy This public record information is inaccurate and unverifiable. Reference # XXXX shows XXXX, XXXX  XXXX and Equifax shows XXXX. I have asked Equifax a numerous times to verify this information with no response but XXXX stated the information comes from XXXX. I reached out to XXXX XXXX twice and both times they response that they do not even have an account for me. I have included the letter from XXXX XXXX with this information so where are you getting this information? Please delete this information immediately from my report. 

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I disputed the following items and they have sent me information back with more inaccuracies. I don't understand what is going on they have more than 90 days to review all my accounts. 

XXXX XXXX XXXX This account is inaccurate showing the payment status of Late 120 days on a collection account with a past due balance of {$790.00} reporting late payment in the payment history XX/XX/XXXX. A collection account should not have a late payment history and should not be reporting a past due balance. Also the account history in your verification response shows {$790.00} High Credit with {$0.00} Past due from XX/XX/XXXX to XX/XX/XXXX but on XX/XX/XXXX the Past due was added of {$790.00}. Please remove this inaccurate unverified account. 


XXXX Payment history is inaccurate. You are reporting 30 days late on XX/XX/XXXX when XXXX has verified the payment history showing the payments were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. So why do I have a 30 days late payment on my history in XX/XX/XXXX. Please update this 30 days late payment to OK since this was never late. 

these items not being properly looked into I have been more than patience and it is seriously effecting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation
State: OK

Complaint narrative:
I spoke with the store manager XXXX was rude and disrespectful did not want to listen to when I was going to be able to make a full payment just kept trying to over talk me when I called management her direct supervisor they did the same thing so it show there company values are bad very poor cusyomer service skills told them not to contact my phone and they continue to do so daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
opened a new checking account ( # XXXX ) on XX/XX/XXXX with this offer - XXXX $ opening bonus - my earlier acct was closed on XX/XX/XXXX. As per the terms and conditions of this offer i am eligible for bonus. 

HSBC PREMIER WELCOME DEPOSIT CHECKING OFFER 1 HSBC Premier {$450.00} Welcome Deposit Offer Terms and Conditions : This offer is available only online for applications completed using the Apply now button on the offer webpage. You must be at least 18 years of age, have a Social Security Number, currently have a U.S. residential address and have had U.S. residency for the past two years to apply for a deposit account online. To qualify for the HSBC Premier {$450.00} Welcome Deposit you must : ( 1 ) open your new HSBC Premier checking account from XX/XX/XXXX through and including XX/XX/XXXX ; and ( 2 ) make recurring monthly Qualifying Direct Deposits totaling at least {$5000.00} from a third party to your HSBC Premier checking account ( s ) for 3 consecutive calendar months from the second full calendar month after account opening. You will automatically receive the {$450.00} Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. Qualifying Direct Deposits are electronic deposits of regular periodic payments ( such as salary, pension, Government Benefits or other monthly income ) made into your HSBC Premier checking account from third parties at least once per calendar month. Customers who held any HSBC consumer deposit or investment account XX/XX/XXXX through and including XX/XX/XXXX are not eligible for this offer. Eligible

Company response to consumer: Closed with explanation