vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 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: TX

Complaint narrative:
Portfolio Recovery placed account # XXXX into collections without giving me proper notification of this debt. I sent in a letter requesting that send me proof this is my account and was later sent statements. This account was opened illegally by a relative that is now in prison for fraud. Because of the fraud that said person even went and filed bankruptcy without my consent. This has caused horrendous damage to my credit and has cost me business opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I started to invest in this crypto mining thing. everything was going good, but one day, the app suppose to have a pledge, where you could put your money on it and you will have to reach certain goal to earn a price, but the goal was to high for me and the money that I had there, so, somehow with out my authorization my money end up entering that pledge and due I couldn't complete the task, they said that I will lose the money that " I put '' on the pledge, this pledge finished this last XX/XX/XXXX, but it seems that my money is gone and nobody answer on the customer chat or emails or calls. 
The link of this mining node is XXXX XXXX XXXX XXXX XXXX XXXXXXXX I just want the money that I lost back, and try to avoid more people got scammed like me. 

I made a transfer for {$2400.00} USD on XX/XX/2021 XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXCoinbase Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX This is the bank info Coinbase Inc XXXX XXXX XXXX XXXX XXXX United States California XXXX Routing number XXXX Bank name XXXX XXXX XXXX  Account number... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: PA

Complaint narrative:
On XX/XX/XXXX I made a purchase on the store " XXXX '' for {$480.00} The merchant never sent the items bought and after a few weeks they close the shop and also the phone number and email contacts. The closed all the business leaving me without the goods.I subtmit a claim to my bank but they never requested me more information about the case also never informed me the status. 
Now 2 days ago I can see that the credit was reversed and the calim was denied without any explanation.

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 monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Financial Inc.
State: UT

Complaint narrative:
XXXX XXXX SELF LENDER is a predatory scam. They represented themselves as a credit rebuilding program where you can deposit monthly into a account & once your funding goal was met, they issue you a secured card for that amount. No where did they say that I could not opt out if the deposit amount was unmanageable, nor did they state that it would report negatively on my credit report. I emailed to close the account, and received no response & now I have them on my credit report as a derogatory mark for a closed " secured loan '' that was closed with financing that I had deposited myself. In short, they represented themselves to rebuild credit, then became unreachable, took my first months payment then marked me late for two months with no response & kept my money when they close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To whom it may Concern I want to file an executive complaint against all three credit bureaus I have reached out to the Three Credit Bureaus To have these fraudulent negative items deleted that is negatively impacting my score Ive asked them to remove the negative items from my credit report numerous times after so many failed attempts to have the derogatory items and remarks removed from my credit report that was made fraudulent due to identity theft that Caused these negative items on my credit report they failed to send me proof of the reasonable verification process of proof how these accounts were validated or verified I have all my proof and documents to provide

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 2022-03-24 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: MI

Complaint narrative:
To whom it may Concern I want to file an executive complaint against all three credit bureaus I have reached out to the Three Credit Bureaus To have these fraudulent negative items deleted that is negatively impacting my score Ive asked them to remove the negative items from my credit report numerous times after so many failed attempts to have the derogatory items and remarks removed from my credit report that was made fraudulent due to identity theft that Caused these negative items on my credit report they failed to send me proof of the reasonable verification process of proof how these accounts were validated or verified I have all my proof and documents to provide

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I got a credit card from Synchrony because of XXXX XXXX. I made some purchases and paid in time for the first year and then I did not purchase anything for 13 months. Between that time my credit score went from good to excellent and instead of them giving me more credit they decided all of a sudden to lower my credit. That was reported to the credit bureaus and ended up lowering my credit score.

I called Synchrony asking them to review their un-called act against my credit score. I told them that if they feel like customers not buying is a way to measure the credit amount this should be mentioned when I first got the card and also before they do such act they should inform me, maybe warn me that I need to buy something. I only wanted them to bring my credit to what it was before and report the credit bureaus so that my credit score would go back. 

It took them a month going up in their scales of decision and finally I got a message from XXXX XXXX ( Corporate Specialist, Consumer Relations ) : " We understand that the lowering of your credit line might be upsetting or inconvenient for you, and we regret we had to take this action, especially since you are a valued customer. Our position remains the same. We regret any frustration this matter may have caused. 

I would like to make it clear that this is not about the money or the points, this is about customer care. I took time to show them that I was frustrated with a decision and that they could review it to keep me as a customer. My credit with Synchrony was XXXX and they lowered to XXXX. My overall credit with all my credit cards are more than XXXX so XXXX dollars makes no difference but I only want to give my business to people that care about it. Unfortunately I will have to stop buying from guitar center because it's their partner for financing. Hope that XXXX  finds a bank that takes care of their customers as they do, then I can go back to them

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 2022-03-24 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I told XXXX several times I have 2 accounts showing as duplicate account and affecting twice. the original accounts are being disputed every possible way and I will continue disputing for as long as I see it on my report indecently until it goes away. They just don't care and give a XXXX XXXX about what's on your report. The XXXX*** accounts appears twice. So XXXX*** do your job and fix 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 non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXX  / XXXX / {$350.00}

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 2022-03-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXX / XXXX / {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
Amerisave Mortgage Corporation did not pay my property taxes and there is now a lien on my house and substantial penalties are owed. On XX/XX/XXXX, I discovered that my XXXX XXXX property taxes were not paid and I immediately contacted Amerisave Mortgage Corporation ( who is using dmicorp.com as servicer but still using the Amerisave name ) and emailed them the requested information. I received no response. I made several phone calls and received an email from XXXX XXXX on XX/XX/XXXX with the promise of an update or resolution by XX/XX/XXXX. I asked for an update on XX/XX/XXXX and received an email on XX/XX/XXXX saying that they would contact me as soon as possible. I heard nothing and called the customer service number several times. On XX/XX/XXXX, I received another email from XXXX XXXX that said the same thing as the XX/XX/XXXX email. I have called multiple times and emailed XXXX XXXX several times with no response. I was told that I would be contacted within XXXX hours on XX/XX/XXXX but that time frame has now passed. The customer service line can not provide any help or give me the contact information of anyone that can ... .and there are no updates from XXXX XXXX XXXX There is now a lien on my house. The XXXX XXXX tax bill and XXXX XXXX tax bill come XXXX bill. The XXXX XXXX portion was paid on time but the XXXX XXXX portion is delinquent and penalties continue to accrue. It has been almost 2 months and there is no end in sight. I have attached the intitial email along with subsequent emails and the tax bill that I pulled today ( XX/XX/XXXX ) showing the lien ( appears as XXXX XXXX ).

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX and I'm submitting this complaint without any influence from any third party or agency. 
Please see attached documents and ID as it contains my full complaint and request.

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 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
The financial Institution is - Synchrony. They offer a Credit Card Service for Retailers.

They hold your account hostage, and misrepresent their Services.

Their website states that payments will take 48 hours to process, however I made a payment on XXXX XXXX, that I am told, will not clear the account until XXXX XX/XX/2022. Nine Days, and the money has been taken from my bank account. The Web Site reflects that the Payment is Complete.

There are Pending Transactions, that have completed, and their are Pending Transactions that they have declined.

I am enclosing a screen shot of my account to allow the agency to fully see my frustration.

I do not know what exactly they will or will not charge me.

Below is a screen shot of my account online - I have charges that have completed that are duplicate in the Pending Transactions, each time a charge is declined it is also in the Pending Transactions.

This Financial Institution is a Mess!

( From My Online Account ) Pending Transactions These transactions have not posted yet. Once they post, you'll see more details. 

Sort by : XX/XX/XXXX XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX {$91.00} XX/XX/XXXX XXXX XXXX & XXXX {$2200.00} XX/XX/XXXX XXXX XXXX & XXXX {$2200.00} XX/XX/XXXX XXXX XXXX & XXXX {$6800.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX & XXXX XXXX {$6800.00}

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 2022-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX / XXXX / {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: CA

Complaint narrative:
EQUIFAX has continued to verify the Allegacy FCU account as accurate, I have attached the result of EQUIFAX Dispute dated XX/XX/XXXX. You can clearly see from original creditors payment history that the balance reported as of XX/XX/XXXX is ( XXXX ) however EQUIFAX continues to report a past due balance and the account as charged off. Remove XXXX XXXX account attached to this email because you are reporting a balance and a charge off that are not accurate based upon your own investigation. Furnishing incorrect information willfully on my report is a Violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I sold an item to a XXXX subscriber via means of a link/ad using PayPal business App. The buyer claimed the item was not as descibed. Here is the conversation and all communication between me and the buyer. Questioning " reverse discrimination '' as potential motive. I was given a {$50.00} credit/award to my PayPal account . Then with out notice or warning, my account is at - {$15.00}, account restricted, no incoming or outgoing transactions allowed. Their customer service team responded to my request for an appeal about their decision to award the buyer a dispute, that was escalated to a " claim, '' to a full refund and and rule in his favor of me selling an item that was not as described. At the time of the sale which was shown, the money collected was instantly made available. 4 days or more later, PayPal took {$50.00} from my account after my mom had sent me {$100.00} for gas and food. I found out by calling in that the {$50.00} was taken from my account because of claim against me for selling an item not as described. Paypal informed me later that the item sold was being returned to me and they were issuing the buyer a full refund. Then, because the buyer already returned the item and got his money back that PayPal wouldn't allow me to issue an appeal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24 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: IL

Complaint narrative:
There is a late payment with XXXX that shows late payment and I was not late I have disputed and sent in proof of payment history and sent in an email from the creditor that says it was not reported as delinquent. Experian keeps updating and saying debt was verified and how could it be when it is not correct and I have the proof.

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 2022-03-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has violated the FCRA and CARES ACT 2020. I had a credit card with Bank of America, and during the pandemic I experienced several hardships. I requested for them to help with managing and restructuring the debt, however they sent the account to collections, and now they are suing me for {$42000.00}, most of which is interest. It is negatively affecting my life and ability to receive any sort of funding and help.

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 2022-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/2022 I made a purchase through PayPal for some items from a fraudulent Site. XXXX for a total of {$47.00} from ( XXXX ) a scam site I called PayPal on XX/XX/2022 contacted PayPal to inform them about the fraudulent transaction, and was told they would investigate the transaction on XX/XX/2022 I received a message from PayPal informing me that the investigation was completed and I would Not be receiving a refund. I filed a claim appeal to request the documents they Obtained in their investigation, and did not receive them. 
I later found some Articles of information on the Internet that PayPal is complicit With the company XXXX in not refunding Consumers refunds I contacted PayPal XX/XX/2022 and was told the investigation had Not taken place And they were still investigating. My refund was denied XXXX is a company that changes the name week to week selling Various items and services and in fact PayPal was working with the company and not returning refunds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: TX

Complaint narrative:
My complaint is against : https : //creditcontrol.net/ They received a request to collect from : https : //frontier.com/ This was a problem CAUSED by XXXX XXXX. I have called them MULTIPLE TIMES, including yesterday XX/XX/2022. 

When I sold my home in XX/XX/2022 in Texas, I left the internet connected for the buyer ( it's a highly automated smart house and the buyer was going to need the connection ). The buyer DID transfer the service, today on the call XXXX  acknowledged that the buyer has transferred the service and that they will REMOVE the balance due. I have made multiple calls to XXXX, been told that SEVERAL times already and that this was disputed yet they still sent it to XXXX XXXX XXXX. Once again, XXXX has assured me that when they zero the balance the collector will be notified and the credit report will show XXXX balance owed. My credit rating is usually close to XXXX and I don't XXXX around with folks that I actually owe money to, but I also have XXXX tolerance for those that bear false witness against me. 

This was NON-MEDICAL You can call XXXX communications ( XXXX ) as this was CLEARLY THEIR MISTAKE. 

My complaint is that 1 ) this was sent to collections while disputed and 2 ) the XXXX XXXX, who also knew it was disputed, placed a flag on my credit report. I am the victim of improper tactics when a disputed charge was placed on my credit report and I want all record of this removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation