vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I paid off my balance in full one day past the due date due to login issues with the company. I had 0 % promo. Paid off early and because the company doesnt have autopay and an unreliable website/app I was assessed back interest for being late 1 day and they are assessing fees now on top of that interest. Ive tried to settle and they refuse to waive the fees or explain why interest was charged when I paid it off in full prior to the end of the agreement. They are compounding fees and making it appear as if Im a negative payer of against the debt I paid ahead of plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/XXXX I received a refund from XXXX credited back to my card for XXXX. It has been almost two months and XXXX has stated that the amount was sent to the bank and Bank of America will not look into it. I have called and they open and then closed the 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 2021-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
SOURCE RECEIVABLES MNG Original creditor : XXXX {$1800.00} Balance updated XX/XX/2021 This company Source Receivables MNG never approach me in an email, through the USPS, or any other method of notification that I need to respond to a debt that was given to them by XXXX. I got notifications on all credit reports today XX/XX/2021 that I had a new collections account on my credit report. I want this removed, I am willing to pay a portion of the debt in the amount of 10 % of the total amount equal to {$180.00} and it be removed without the statement of settled or any other language, completely removed. 

Thanks in Advance, XXXX 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 2021-05-15 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:
On XXXX XXXX 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 2021-05-15 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: KY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: DC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: NV

Complaint narrative:
I had an issue with a chargeback ( insufficient funds on deposit ) in XXXX and my BINANCE US account was suspended. I have since transferred amount but have not been able to trade or withdraw but surprisingly can still make a deposit. They are holding to my money and not responsive to any queries. The BINANCE US FAQ says once settled account should return to normal within 7 days. I have submitted multiple tickets to no avail. The customer support is non existent. I am requesting your intervention as I am seriously considering legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: AL

Complaint narrative:
I sent a letter for Bankruptcy case number XXXX months ago of this item is inaccurate and has not been properly investigated. This is my second or third time asking XXXX, and Equifax to show proof of how they have verified this account, and they have yet to provide proof and I feel like I'm being taken advantage of. They only say " verified '' which isn't sufficient when I clearly asked for proof. It also shows me they aren't doing their proper due diligence concerning the matter. On XX/XX/2021, XXXX XXXX sent documentation stating that they removed bankruptcy case XXXX from their report. After that, I sent a dispute to XXXX and Equifax stating that XXXX XXXX has removed this account. XXXX XXXX is the company they report to, to verify bankruptcies. If XXXX XXXX has removed this account, XXXX and Equifax are lying or not going through proper investigation to verify items like they are supposed to do according to FCRA Laws. My family and I have been in much distress because we can't get any housing and were being denied for everything we apply for. At this point, I don't know what much else to do for help besides getting a lawyer to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Trading using robinhood they closed out my account and froze trading and selling off my last assets. Was assured at teh time of closing my crypto was liquidated at current market prices and the value and blanace of which would not lose value and was assured multiple times the assets were liquidated and sold at current prices at the time of my account being deactivated during the deactivation price of my assets dropped they assured me the assets were liquidated. my remaining balance was then over XXXX less than when they said they liquidated after 3 days they reactivated my account with a heavy loss to my money because i i couldnt sell the assets because they said they liquidated and sold it already. also they freeze trading when you make too much profit wont let you sell until you take a loss they admit to all of this in the emails i have. im retaining a lawyer and probably gon na start a civil suit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One is engaging in unfair business practices by charging additional interest on their credit cards after the account balance has been paid in full utilizing their mobile app. for the purpose generating additional revenue for their company. Capital One Directs all of their customers to utilize their mobile app and is marketed as the preferred method for handling all things associated with your account. When utilizing the payment screen in their mobile app you only have the following options Last statement balance, current balance, minimum payment, and other. There is no payoff amount option shown. Nor is there any information when making the account balance payoff you will be charged additional interest from the previous month 's balance despite paying off in full the account balance shown in the app. The purpose of the app is to show the status of your account in real time. 

On XX/XX/2021 my husband and I each paid off the account balance shown for our separate capital one credit cards, in his case {$3.00}, XXXX and my account balance $ {$1400.00} ahead of XX/XX/XXXX due date. We received in mail notification today stating there was a remaining balance due on both accounts. His balance was XXXX and mine XXXX which was added 14 days after or payoff payment. When we contacted the company and spoke with the supervisor XXXX she informed us the additional amounts were based upon the previous month 's balance and the interest accrued on that. She stated the only way to for a consumer to find out there true account balance was to utilize the payoff estimator, which isn't available to consumers in the mobile app but on the statements or company website. It is our belief Capital One is engaging in fraudulent business practices by not providing its customers with the actual amount owed on account or the actual payoff amount needed to pay their account balance in full should a consumer choose to do so. XXXX remarked it is a consumer 's choice to pay off their balance in full not a requirement. We believe Capital One is purposefully doing this to generate additional revenue at their customer 's expense. This practice is resulting in millions of dollars in extra revenue for Capital One. Any attempts to get the interest waived, are met the standard response they are unable to do so because of the type of card you are issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-15 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: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: OH

Complaint narrative:
In early XXXX my binance account was suddenly restricted from being able to make trades or withdrawals. They said I need to verify my identity, so I submitted the appropriate information. After a number of days ( unsure of the exact number ) I was still unable to trade or withdraw funds, so I put a support ticket in on XX/XX/XXXX. My ticket number was XXXX. From that date until now, I have still been unable to trade or withdraw, and I have had no meaningful response from Binance other than saying they have a lot of tickets they have to process and they are behind. They have had my information for over a month to verify my identity, which is basically just my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: Millco Management
State: PA

Complaint narrative:
Hello, there was several bills that was place on my credit that I have disputed to be remove off. Two of the bills for the amount of {$370.00}. I have no knowledge of these bills. I stated to the credit bureau and also the collection agencies about these two bills. They still haven't removed these bills from XXXX or XXXX. I have a medical bill for {$1200.00} which was not my fault, it was the hospital mistake. They sent my lab work to unauthorize XXXX with my insurance did not approve. I had made several complaints about this issue with thr insurance agency, the hospital, and my doctor 's office and still the bill is still on my credit for me to pay. I would love for these bills to be remain of my credit immediately thank you. 
I'm total lost with these bills.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: MS

Complaint narrative:
There was a fraudulent account opened in my name through XXXX sometime around XX/XX/XXXX. I called XXXX about the fraudulent account and they were making it difficult to resolve the issue. With no other option I disputed the debt with XXXX credit and they deleted the fraudulent account from my credit report. On XX/XX/XXXX XXXX sends the account to Convergent Outsourcing for collections after XXXX deleted the fraudulent account. Convergent Outsourcing mailed me a notice of the collection a few weeks ago. I called them told them to stop harassing me since account is fraudulent and XXXX deleted the fraudulent account. Convergent Outsourcing has filed a debt collection on my credit report pertaining to the fraudulent 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 2021-05-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been disputing a paid off balance with a merchant since XX/XX/2021. I submitted a dispute on this merchant account 3 times, included supporting documentation, yet Experian still lists it with a balance of {$1100.00} and states on the dispute, " no change ''. Today XX/XX/2021, I got an email that my dispute results are ready and now it's showing my account for the merchant still has the {$1100.00} balance and is " Closed ''. It is NOT closed, it's only paid in full but still open. This is extremely frustrating trying to correct incorrect information about ME on my report when it's clearly incorrect. The stress from trying to prove I paid this account off in full is extremely stressful. I just want this fixed and corrected.

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 2021-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I originally submitted a complaint through CFPB, which shows to be closed due to being forwarded to FTC ( CFPB Report # XXXX ). Included in original complaint was the debt collection agency, XXXX  XXXX XXXX ( CFPB Report # XXXX ). 
Information from CFPB advised " Company 's Response : The subject account was recalled from XXXX by XXXX the day this complaint was received. XXXX had previously provided Ms. XXXX debt validation. XXXX is no longer handling the matter, however has advised XXXX of Ms. XXXX XXXX continued dispute. Pursuant to the account recall, has requested removal of the account trade-line from Ms. XXXX XXXX credit history. '' Since this time, I have received multiple phone calls, and multiple letters in the mail, from Source Receivables Management ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX. XXXX ) in reference to this same debt/issue. I have explained the situation to all of the representatives who called, and it has done nothing. 

Original complaint info : " Original complaint info : " Approximately 2 years ago, I opened a no contract, pre-paid, cell phone account through XXXX. It was pay as you go, paying PRIOR to using service. I paid for the first month, prior to using the service, and it was verified, multiple times, through the company representatives, that if I wanted to continue service afterwards, I would pay first then have service, if I did not want to continue, I simply did not pay and I would not have service. After many issues during the first month, I decided not to continue using XXXX, and prior to the end of that first month, switched over to another company. I then started receiving bills from XXXX, saying I owed for a month of service, which would have been for the 2nd month that I did NOT use. I spoke with them over the phone and by email, but continued getting bills. I then noticed it had been reported on my credit. Somewhere around XXXX of XXXX, I reported this issue with the credit bureau. They decided in my favor and XXXX was forced to remove the collection from my credit. Then, around XXXX of XXXX, I again started receiving mail and emails from XXXX XXXX XXXX  stating they were a debt collection company contacting me to collect a debt on behalf of XXXX, successor to XXXX. I used their complaint portal, on their website, twice now, fully explaining that I do not owe this debt, it was for service that was never used on a no contract, pre-paid, account, and that it was already removed from my credit once due to this. After submitting the emails, both times, I never received any messages from them, but have STILL continued to get inundated with emails and mail stating I owe this debt. I have spent so much time dealing with this one issue, for 2 years now, for something I didn't use and do not owe!!! I would like it stopped!! ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I went to a XXXX office suffering from horrible XXXX XXXX. They told me about monthly payment plans and my social was needed for it. I'm thinking to make sure I don't get my teeth fixed and run off without paying them. I didn't think it was to run credit I could've pulled up on my phone!!! Not only that but they didn't tell me that it'll be on my report for 2yrs as an hard inquiry!!! Dropping my credit score for services I NEVER USED!!!!!

Company response to consumer: Closed with non-monetary relief