vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I havent been able to use or spend more than {$500.00} a day, even if I have 10 times that in my account. I have to pay rent in segments and sometimes I cant buy food on days that I have to pay bills. 

This has went on for three years. 

I try to no longer keep anything in my bank account now unless Im planning an online bill pay. 

Ive ran XXXX  on myself. 
I cant find anything on myself causing this limit. 


Ive spoken to Wells Fargo so regularly about this. 

I cant even use direct deposit because theyve tried to hold my deposits for as long as two weeks, even if its a routine biweekly deposit that Ive been receiving for two years and even if there wasnt a hold, I only would have access to a small percentage of 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 2021-07-18 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: LA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2021, I purchased some shirts from an online store that shipped from XXXX and received the wrong items on XX/XX/2021. 

After several emails back and forth with the merchant ( between between XX/XX/XXXX and XX/XX/XXXX ), the XXXX insisted that I pay for shipping the wrong items back to XXXX. 

I filed a dispute twice with Capital One on XX/XX/XXXX and received a refund. When the refund was reversed on on XX/XX/XXXX. I filed another dispute on XX/XX/XXXX, this time, included pictures of these items ( comparing what I got with what I ordered XXXX, emails correspondence and a receipt as supporting evidence for my case. The refund was issued on XX/XX/XXXX and once again reversed on XX/XX/XXXX. 

Capital One is now asking me to go through the dispute process again for the third time. The agent I spoke with at Capital One could not tell me why a third dispute would produce a different result than the first two times and simply told me I would need to call back to speak with a supervisor. 

Basically, if will not pay return shipping after getting the wrong ( or bad quality ) items, Capital One can not help you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
ALLY FINANCIAL is reporting a negative account with a balance that does not belong to me on my XXXX  Credit Report. They are intentionally violating my consumer rights by continuing to report this account under my name while they were informed it does not belong to me.

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 2021-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX of the year XXXX I sent money through the Remitly application to Mr. XXXX XXXX for an amount of {$700.00}, which he received without problems, Then I sent money to Mrs. XXXX XXXX for the amount of {$800.00} which I had to CANCEL, Later a message appeared that in ten ( 10 ) business days they would return my money to the bank account. Then I made a call within 12 business days to know the status of the refund of the money, They told me that on XX/XX/XXXX they had returned the money to my Bank account and they provided me with a number or password to claim the money at bank XXXX XXXX XXXX, I proceeded to call the number of claims of my XXXX bank to manage the return of the money. Today I received a letter from the bank informing me that they have temporarily credited the money to my account, but that the investigation is continuing on the claim, this indicates that Remitly never returned the money to my bank account. Today XX/XX/XXXX / XXXX I received a call from Remitly staff ( at XXXX XXXX  ) to consult me about some things about my account .. But because I was busy at my work I asked them to communicate later at XXXX XXXX  ... Later I I had to contact them and ask them what was the reason for the call they had made earlier. Which Mr. XXXX, who very kindly attended me and after a long wait, indicated that it was indeed to review the case of the refund of the money, that in my account there are three ( 03 ) transactions of which I only recognize two ( 02 ), which I indicate here at the beginning of this declaration. I immediately let the Remitly agent know that someone could be doing some kind of fraud to my Remitly account. I asked them to take note of this and do all the relevant processes to avoid some type of fraud both for myself and for others. Then I asked him to send me an email with some kind of case number or something that referenced the agreement. He only sent me an email that I attached to the evidence, with the reference number XXXX. 
I am making this claim for the purpose of preventing future fraud on my account. I annex evidence of the aforementioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX refuse to delete this account off my credit report. I have requested them to send me debt verification. They keep sending credit card statements for debt verification. This isn't legal. I'm requesting them to place my debt verification on her so yall can see what they're sending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
This complaint is against PayPal. I sent my mother {$40.00} Via my PayPal account to her PayPal account. Immediately after I sent it I realized I had sent it from my credit card instead of my debit card. I contacted my mother and she immediately initiated a refund. All this happened in less than 2 minutes. I also called PayPal and requested a refund. I was told that they saw where my mother had initiated the refund process and that the money would go back on my card immediately. That did not happen. I contacted PayPal through XXXX. ( I have a copy of those conversations verbatim. I am uploading the entire conversation between me and several PayPal associates. ) I was told that they were waiting for my mother to initiate the refund. I let them know she had already initiated the refund. I contacted them again using the same message. This time a different customer service rep replied. He said they were waiting for my mothers bank to return the money and as soon as that happened PayPal would refund my money to my cash account. I informed him that my mother never sent the money to her bank that she initiated the refund immediately. The next person to reply told me I had already received the refund and it was in in my cash account. I screenshot my home page and it showed {$0.00}. The next person told me that PayPal was waiting for my mother to initiated the refund. My mother sent me a screen shot of her account that showed she had initiated the refund and it was completed 4 days prior to this conversation. I uploaded that screen shot. The next one told me they had already refunded it to my credit card and I should receive it with in 5 business days. Its been 7 business days and I still haven't received it. I contacted my bank and they say they have not received any refund from PayPal. Read the entire conversation that is uploaded between me and PayPal. The last one to respond also told me it was already refunded to my card. Again I contacted my bank and they have not received anything from PayPal. This was yesterday. I want my {$40.00}. I am including the transaction number and my PayPal email. XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: FL

Complaint narrative:
I've gotten a response from Equifax that the disputes I have submitted, came back as verified. I would like to know how did you verify it because XXXX  also did their search and found the information I submitted was justified and removed the filings from my report. 
You have information on my file from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX was deleted. Your information is not consistent nor accurate. Therefore, per the FCRA and the FDCPA, you must remove than defamation of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: CO

Complaint narrative:
I've submitted all documentation to get these things blocked from my credit. all they do is keep sending me a letter saying they won't look into it. 

I will attach all my documents to the complaint.

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 2021-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am submitting this complaint because I am being extremely affected by LVNV FUNDING LLC They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

My account in this matter is Opened Date : XX/XX/2020 Original Creditor Name : XXXX XXXX BANK. 
Balance : {$12000.00}. 

I want to give LVNV FUNDING LLC the chance to solve this matter before any legal action is taken. 

Remedy : Deletion of account from all bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I was charged {$200.00} from XXXX XXXX XXXX on XX/XX/21, my proof of purchase from XXXX XXXX XXXX shows a charge of {$120.00}. The difference is {$87.00}. I was also charged from the merchant {$36.00} for gas. The merchant credited the over charge that was paid in cash for {$36.00} to the credit card on file. Capital One on XX/XX/21 takes it upon themselves with all this documents provided to charge me back {$36.00} despite having all these documents in there lap. I am asking Capital One to credit my card {$36.00} for the error. I called customer service, and the dispute center is in another country and they do not understand math.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm waiting on the update from Experian, however, XXXX also did their research and found the information I submitted was justified and removed the filings from my report. 
You have information on my file from XXXX XXXX and XXXX XXXX which was deleted on XXXX. Your information is not consistent nor accurate. Therefore, per the FCRA and the FDCPA, you must remove the defamation of information.

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 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: AZ

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 2021-07-18 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: TX

Complaint narrative:
I have contacted this company regarding the deletion of several items on my credit report. They refuse to delete them even tho I have offered to give them proof that the creditors themselves said the debts need to be deleted. Equifax actually has deleted these items before and then placed them back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: AZ

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-07-18 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:
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 2021-07-18 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: NJ

Complaint narrative:
On XX/XX/2021 I wrote each credit bureau to dispute negative items to date they are in violation due to them not responding within the 30 days time frame. I explain in my letter that I will pursuit legal matters

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 2021-07-18 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: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I sent a debt validation letter to RS Clark and Associates Inc., on XX/XX/2021 and the company failed to validate debt. Instead they sent me a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a a HIPAA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am a victim of identity theft and I have not applied for these accounts and inquires that are listed on this identity theft report. Please delete all this information from 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 explanation
Consumer complaint received 2021-07-18 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: NJ

Complaint narrative:
On XXXX XXXX I wrote a letter to TranUnion asking for all negative items to be dispute. To date they are in violates of bot responding to my letter within the 30 day time frame.

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 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation