vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 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: UNITED CREDIT CORP. OF SOUTHAVEN
State: LA

Complaint narrative:
Harbor Loans in XXXX, La is running a hard inquiry on my name and social security number over four times without my permission. This is illegal.

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

Complaint narrative:
I have filed a dispute of the incorrect items on my credit report and it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: NY

Complaint narrative:
I sent several dispute letters to the credit bureau for the following account but still have not received any response from them. It is more than 45 days since I sent my last dispute letter. 
XXXX XXXX  Account # : XXXX ( EQ , XXXX, XXXX ) XXXX  XXXX Account # : XXXX ( EQ, XXXX, XXXX ) XXXX Account # : XXXX ( EQ, XXXX  , XXXX  ) XXXX Account # : XXXX ( XXXX  only ) XXXX Account # : XXXX ( EQ, XXXX, XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I contacted Transunion and XXXX  in XX/XX/2021 about inquiries on my credit report that are not mine and not associated with any accounts I have. I was advised to have the companies that initiated the inquiry to send a deletion letter to the Transunion and XXXX  and that I needed to send an authorization letter to Transunion and XXXX. I requested the deletion letter to be sent and I sent my required letter but no results so I again contacted Transunion and XXXX and the companies that initiated the inquiry in XX/XX/2021 but was given the same steps to complete so I followed those steps once more. Here it is XX/XX/2021 but no results despite doing everything I was asked to do.

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 2021-07-07 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: NY

Complaint narrative:
Inquires are on my credit report that I did not make. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent several dispute letters to the credit bureau for the following account but still have not received any response from them. It is more than 45 days since I sent my last dispute letter. 
XXXX XXXX  Account # : XXXX ( XXXX  , XXXX, TU ) XXXX  XXXX  Account # : XXXX ( XXXX, XXXX, TU ) XXXX Account # : XXXX ( XXXX, XXXX  , TU ) XXXX Account # : XXXX ( XXXX  only ) XXXX Account # : XXXX ( XXXX, XXXX, TU )

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 2021-07-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent several dispute letters to the credit bureau for the following account but still have not received any response from them. It is more than 45 days since I sent my last dispute letter. 
XXXX XXXX  Account # : XXXX ( XXXX  , EX, XXXX  ) XXXX  XXXX  Account # : XXXX ( XXXX, EX, XXXX  ) XXXX Account # : XXXX ( XXXX, EX , XXXX  ) XXXX Account # : XXXX ( EX only ) XXXX Account # : XXXX ( XXXX, EX, 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 2021-07-07 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: NC

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Inquires are on my credit report that I did not make. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/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 2021-07-07 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 — Problem with personal statement of dispute
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Paypal should be investigated due to their flawed scoring system that rate customers and give false information yet Paypal refused to look into it. I've included a picture. Paypal is giving false information to the Credit Bureaus that i have too many unsuccessful payments. Everything underlined in photo # 1 is a BIG LIE. I've only had 2 Pay In 4 orders with Paypal which would be 4 payments on each order and i've NEVER ordered anything using Paypal other than until i used their Pay In 4. How could i have unsucessful payments when i've NEVER missed a Paypal Pay In 4 payment. Otherwise i wouldn't have excellent credit with XXXX, XXXX, XXXXXXXX XXXX XXXX which are all Pay In 4 and Paypal is copying them with the Pay In 4. I've NEVER missed a Paypal Pay In 4 payment and the only problem there ever was is when my credit card on file had expired and i wasn't aware but as soon as i found out i immediately fixed the issue and paid with another card yet that was in 2020 and Paypal have continued for nearly a year to deny me Pay In 4 due to their flawed scoring system. I've contacted Paypal thru XXXX XXXX several times and was given the run around and sent automatic messages. Paypal have no phone numbers or any kind of way for customers to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: PA

Complaint narrative:
ERC debt collectors are debt parking a account on my credit report. They are listing a debt on behalf of XXXX claiming this account was from 2019 but in truth is from over seven years ago. After reading some articles it may be a common practice of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: PA

Complaint narrative:
Experian is reporting ths account as open and with a balance ... i was removed as an authorized user years ago,,, ,this should report paid and balance of {$0.00} ... i have tried multiple times to have them corrected and it comes back verified everytime ... they are not conducting proper investigations ...

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 2021-07-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing, LLC refuses to acknowledge that my husband and I have hired an attorney to handle our QWR requests with this servicer because SLS has refused to acknowledge/supply documentation in response to any of our correspondence requests since XXXX. We initially contacted XXXX XXXX 's office for help with our request back in XXXX. 

XXXX XXXX, our attorney firm, sent SLS a QWR request on XX/XX/XXXX, and SLS has responded by sending the attached letter dated XX/XX/XXXX to our home and no correspondence to XXXX XXXX 's business address. 

XXXX XXXX called SLS on XX/XX/XXXX at approximately XXXX XXXX. PST and spoke to SLS rep XXXX, ID # XXXX. XXXX advised XXXX XXXX that SLS has no idea that we have an attorney representing us, and she asked XXXX to supply her the attorney 's name to which XXXX responded to XXXX by asking/stating words to the effect, " Why did SLS send a letter to my home address dated XX/XX/XXXX and to me personally stating they couldn't respond to a QWR when I have not asked SLS to supply a QWR this year? SLS has sent this letter to me because my attorney sent a QWR request. Your company is well aware that I'm being represented by counsel ; otherwise, I wouldn't have gotten this letter in the first place, and your company should be sending this letter to our attorney. '' SLS rep XXXX then replied to XXXX 's comment by stating that SLS sent a letter to XXXX XXXX asking for appropriate documentation that they are, in fact, representing the Pinedas. XXXX asked XXXX to email her the letter that SLS sent to Equity Legal, and XXXX stated she was unable to gain access to this letter to which XXXX asked, " Then how do you know your company sent XXXX XXXX a letter? '' XXXX was unable to provide a response and stated she was reading notes on her screen. 

XXXX then asked XXXX to contact the appropriate department who has access to the letter and to have the letter sent via mail to XXXX 's home address on XXXX XXXX XXXX XXXX 
As of today, XX/XX/XXXX, SLS has not supplied documentation showing they sent our attorneys at XXXX XXXX any correspondence in response to our attorney 's QWR request or in response to SLS 's inquiry stating they need proof that we've hired counsel. 

SLS refuses to provide a lien removal on our property that was initially done by XXXX which makes it impossible to refinance our first mortgage, and SLS has refused to provide documentation to our attorney that they have a legal interest in our property.

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 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Dear Sir or Ms. : This comsumer complaint is being sent to your office after Venmo 's unlawfully freezing my Venmo card account for nearly 3 months without any authority and consent, In XX/XX/XXXX to XX/XX/XXXXVENMO HAS STILL CORRUPTLY HELD MY {$11000.00} deposit was made from my fiancee ' XXXX XXXX 's late father 's sale of his property into my Venmo account. The deposit was to repay me {$10000.00} she got from me, and her repaying me back from her sold real estate her attorney sold in her inheritance. 

Similarly, nearly {$25000.00} was illegally transferred from my XXXX XXXX bank acct. and {$3500.00} was unlawfully removed from my Venmo card acct., with -out my consent, authorization, or any legal In and after XX/XX/XXXX, XXXX XXXX and Venmo froze my accounts containing about {$23000.00}, total. 

Venmo never told me, replied to my many attempts to learn why it was frozen, what caused the freezing, and what I can do to unfreeze my funds. That unlawful silence went on for more than 10months to this date, XX/XX/XXXX, 18 months later, VENMO REFUSES TO TRANSFER MY {$9000.00} BALANCE to my XXXX AND CHASE accounts by wire transfers. 

After nearly 14 emails Venmo has not my reply texts demanding {$11000.00} be returned, Venmo C/S and executives never replied. Alternatively, C/S wrote it will get back to me in 8-14 calendar days. After 19 MONTHS, Venmo still did not ever answer specifically WHY IT HAD FRAUDULENTLY WITHHELD my money. My monthly bills came due ; Venmo still refused after 10-months to return, my {$3500.00} it allowed to be stolen and my current {$8700.00} in my VENMO CARD ACCT.. then never refunded it even after I filed Whereas, VENMO sent me a letter, ( copy attached ) that it is holding my funds {$11000.00} for 10 months XX/XX/XXXX to XX/XX/XXXX. However, VENMO IS STILL earning interest on MY FUNDS, but not paying me {$300.00} of dollars it earned in interest on my {$11000.00} money. 

Therefore, I am seeking to file a classaction suit for various legal crimes and consumer fraud, or consumer violations as this Court determines from our classaction complaint and attached documents, ( exhibits ), supporting consumers claims against Venmo bank card. 

Respectfully yours, XXXX `` XXXX '' XXXX  XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$4700.00} Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: NC

Complaint narrative:
I contacted XXXX  and Equifax in XX/XX/2021 about inquiries on my credit report that are not mine and not associated with any accounts I have. I was advised to have the companies that initiated the inquiry to send a deletion letter to the XXXX  and Equifax and that I needed to send an authorization letter to XXXX  and Equifax. I requested the deletion letter to be sent and I sent my required letter but no results so I again contacted XXXX  and Equifax and the companies that initiated the inquiry in XX/XX/2021 but was given the same steps to complete so I followed those steps once more. Here it is XX/XX/2021 but no results despite doing everything I was asked to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MD

Complaint narrative:
Received notice from stillman law office on XX/XX/21 stating they are representing XXXX XXXX XXXX XXXX in regards to a debt collection. On XXXX XX/XX/21 I received an email from XXXX XXXX XXXX company stating a debt was due. I emailed the company on XX/XX/21 requesting that the company validate the debt. No response has ever been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: FL

Complaint narrative:
XXXX, TransUnion, and XXXX  are not complying with their own policies in a timely manner.

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 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: DISCOVER BANK
State: NY

Complaint narrative:
FYI I apply for per paid card and was mislead that I was approved for the prepaid card this should not be allowed. Just bringing this to your attention because many of the Banks and Credit Cards are misleading me and others and using the review as hard view on Credit Card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been waiting for the investigation results from XXXX, XXXX and Transunion regarding this account : XXXX XXXX Account # XXXX but it has been more than 45 days and I still haven't received any response regarding my 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 2021-07-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been waiting for the investigation results from XXXX, Experian and XXXX regarding this account : XXXX XXXX Account # XXXX but it has been more than 45 days and I still haven't received any response regarding my 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 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2021 I used my Capital One credit card to send funds to pay for some airline tickets to a travel agent in XXXX. The travel agent required the XXXX service for this transaction. I was unaware that this is treated by Capital One as a Cash Advance, for which I was charged a substantial fee of {$100.00} ( {$53.00} + XXXX ). I was already charged an initial fee by XXXX for using the Credit Card and I did not expect for these additional fees to be charged to my account. I have always paid my bills on time and avoid paying interest and fees as a general rule. I would have used another method of payment if I was aware that these charges would be imposed. Furthermore, in addition to the Cash Advance fees, I am also getting charged interest because of the Cash Advance. The interest rate for Cash Advance is 24.90 %, while I have pretty much always avoided interest by paying my previous statement balance in full every month. I did not receive any type of notice before proceeding with my transaction that Capital One would process this as a Cash Advance. I DID NOT go to an ATM and use my credit card to withdraw cash. I have already spoken with Capital One and they claimed they could do nothing for me. I feel that this is a UDAAP violation as a Deceptive practice, as well as Abusive. I am getting pummeled with a huge interest rate and will now continue to do so until I can pay my card completely down to {$0.00}.

Company response to consumer: Closed with monetary relief