vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-24 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX charges started occuring on a weekly basis for XXXX dollars from XXXX on a card I had the account details stored on the XXXX XXXX XXXX on my phone. I noticed this when it was time to pay the XXXX bill. I immediately called Citibank about it and they said they would investigate. I also contacted XXXX and the charges were refunded to me. 3 weeks later I get letters from Citibank saying the charges from XXXX were legitimate according to XXXX XXXX because they had my e-mail address ( well of course they did they accessed my XXXX XXXX account ). The charges were from an app ( that is no longer available on the XXXX XXXX XXXX XXXX XXXX  ) and recurring on a weekly basis for XXXX dollars. I nor my wife have any idea what XXXX XXXX XXXX is my kids never installed any app that uses coins and surely not at a rate of XXXX dollars a week. The funny thing is these hackers tried using old expired cards that were still stored on that account first and those charges of course didn't go through. Citibank has sided with XXXX on the matter and considers the issue closed.

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 2021-06-24 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: CT

Complaint narrative:
Paypal closed my account for no legitimate reason and have supplied with information on getting my Acct. Up and running. Not sure if this is a mistake or an error on their part. I have not been able to get assistance from them in weeks. I feel neglected and abused. My email to my PayPal account is XXXX Thanks for your concern in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting an erroneous item on my credit report listed as XXXX XXXX. The item was previously reported on my credit file as a duplicate entry. The correct account was conveniently deleted. As such, I have disputed the incorrect item for months. I filed a CFPB complaint which resulted in more of Equifax being allowed to ignore my Consumer Rights. So, I requested that a statement be added to my credit report. Equifax has willfully ignored my request. Here are the details ... I noticed a statement on my credit report that I did not request to have added so I called and inquired about the information. I was told as a consumer it was my right to add a statement. I advised the Agent the statement on my credit report was not added by me and to remove the statement that reads, " I have not trade business with this company. '' dated XX/XX/XXXX. I speak fluent English and this is not a statement I would say or request to be added to my report. The Agent agreed to remove the statement. I received written communication dated XX/XX/XXXX confirming the statement was removed. I had already mailed a letter with the statement I did want added to my credit report. At this point, it was a matter of allowing Equifax to update my file. When I looked at my credit report today not only was the statement I requested to be added not on my credit report, but the statement that had been previously removed was back on my report. My rights per the FCRA are being ignored. The derogatory item on my credit listed as XXXX XXXX still has incorrect information. Example : The last payment date being reported is XX/XX/XXXX. There was no payment made by me or anyone on my behalf XX/XX/XXXX because my car was paid off XX/XX/XXXX. The first date of delinquency is reported as the same date of the last reported payment XX/XX/XXXX. How is this possible? You make a payment and go delinquent the same day? There is a comment suggesting the account is included in a COMPLETED Bankruptcy. I am not associated or involved with a completed Bankruptcy. This is additional INACCURATE information. Since Equifax claims the Bankruptcy was verified via XXXX I contacted XXXX to investigate the item. The results of the investigation? The XXXX Bankruptcy item was DELETED from my Consumer Report by XXXX. Equifax is aware of this fact and is still reporting this inaccurate, incomplete, and erroneous item and WILL NOT add the statement requested to my credit file. It is my right to add a statement to my credit file and I should not have to file a CFPB complaint to point this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: MO

Complaint narrative:
The following accounts doesn't belong to me, nor did I authorize these accounts I've also reported my identity being compromised. Therefore, the credit reporting agencies are in direct violation of reporting these unauthorized fraudulent accounts as facts. I'm asking for these accounts to be removed from my credit file. 

1 ) XXXX XXXX XXXX  {$200.00} 2 ) XXXX XXXX XXXX  {$2100.00} 3 ) XXXX XXXX XXXX {$760.00} 4 ) XXXX XXXX {$640.00} 5 ) XXXX XXXX XXXX {$1700.00}

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 2021-06-24 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: MO

Complaint narrative:
The following accounts doesn't belong to me, nor did I authorize these accounts I've also reported my identity being compromised. Therefore, the credit reporting agencies are in direct violation of reporting these unauthorized fraudulent accounts as facts. I'm asking for these accounts to be removed from my credit file. 

1 ) XXXX XXXX XXXX  {$200.00} 2 ) XXXX XXXX XXXX  {$2100.00} 3 ) XXXX XXXX XXXX {$760.00} 4 ) XXXX XXXX {$640.00} 5 ) XXXX XXXX XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: MO

Complaint narrative:
The following accounts doesn't belong to me, nor did I authorize these accounts I've also reported my identity being compromised. Therefore, the credit reporting agencies are in direct violation of reporting these unauthorized fraudulent accounts as facts. I'm asking for these accounts to be removed from my credit file. 

1 ) XXXX XXXX XXXX  {$200.00} 2 ) XXXX XXXX XXXX  {$2100.00} 3 ) XXXX XXXX XXXX {$760.00} 4 ) XXXX XXXX {$640.00} 5 ) XXXX XXXX XXXX {$1700.00}

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 2021-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I ordered furniture from XXXX XXXX  XXXX XXXX  using the store card offered through Wells Fargo. The furniture ( 3 piece sectional and coffee table ) was delivered broken and with defects on XX/XX/XXXX. I immediately reported this issue to XXXXXXXX XXXX XXXX XXXX and was told the furniture would be delayed and unavailable until XX/XX/XXXX and that I'd have to call to schedule the delivery on my own since XXXX XXXX  doesn't have a department to handle this. I reached out to Wells Fargo to dispute the charge on my credit card for the sectional and coffee table only. Wells Fargo advises the dispute can take up to 60 days for resolution. When I call back to check the status around the 60 day mark, i was told that they're waiting to receive XXXX XXXX return policy and that they were unable to provide an ETA as it varies and can take 120 days or more. In the interim, I received a letter from Wells Fargo stating they made an error on my credit report. When I checked my report my balance was a zero which dropped my credit score. Prior to me ordering the sectional and coffee table, I ordered a bedroom set which was not in dispute and a balance is still due on that item which should be reflecting a balance on 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 non-monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have sent numerous letters to Portfolio Recovery Associates beginning over 3 years ago until recently. After receiving unsolicited threatening phone calls I have also been asked to be removed from the call list. Since this debt appeared on my credit I have disputed this account, and requested for this debt to be validated. I have requested a copy of a valid contract with my signature from this creditor. This has been a very trying process. I had no knowledge of this account until it appeared on my credit file. I have been fighting this collection agency for several years now to no avail. I was a victim of identity theft in XXXX and XXXX and I do believe this were opportunities for individuals to open credit accounts using my personal information. I have added fraud alerts to all 3 major credit bureau reports as a result of this. Portfolio Recovery Associates have been responsible for harassing phone calls after several requests to be removed from their call list. There are laws that protect consumers such as myself from third party debt collectors using these questionable tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One Bank N.A. has pulled my credit once per month for 9 months from XX/XX/XXXX to XX/XX/XXXX. I have not applied for a credit card with this company. I contacted their customer service, the agent was able to locate an application for someone with the same first name, last name and date of birth as me. However, when I gave my Social Security Number the representative stated it does not match what is on the application. Their frauds department suggested I put a freeze on my account but they are responsible for making sure they are pulling credit for the correct person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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:
My Identity was stolen. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSNXXXX |DOB : XX/XX/XXXX This is now my FINAL time writing you about some unverifiable inquiries on my credit report. To recap what I have done so far : 1. I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose 2. I have contacted Transunion multiple times informing you of this, and you too have failed to verify these inquiries Since neither Transunion or the creditors are able to provide this proof, I am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible purpose. Please remove the following inquiries from my credit report immediately : XXXX XXXX Bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  CU XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX FCU  XX/XX/XXXX XXXX  FCU XX/XX/XXXX XXXX XX/XX/XXXX XXXX  CU XX/XX/XXXX XXXX  Fd XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Bank XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have been very cordial and cooperative throughout this dispute process and trust you will take this matter seriously. Please see the attached documents. 

Thank you, XXXX XXXX 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 2021-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
Two years after seeing the doctor I received a letter from a collection agency about an unpaid bill. I provided in writing a copy of my banking transaction and asked them to stop. They never replied and began harassing me by phone three times daily. In order to keep the debt active they also created other fake accounts with the same exact amount as the original bill. Please help stop this abusive behavior, I have no one else to turn to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: HI

Complaint narrative:
Re : One Main Financial Group abusing personal information, business license One Main Financial has been sending me aggressive high interest personal product information via post for last 5 months despite that I have requested 5 times via phone call and 2 times via email, to stop sending me any marketing or their product and service related materials for last 4 month.

I do not know how they got my personal information. I would like to investigate their obnoxious business practice and abuse of personal privacy and personal information, ASAP.

I have requested to stop sending me all aggressive high interest loan marketing and all other marketing materials to its staffs at XXXX XXXX and the XXXX Regional Manager. 
Then, they explained to me that they do not know how to help me opt-out of their mailing list. They only told me that they will try to see what they can do. Speechless ... .. 

Also, I can not verify if they are appropriately lincnesed for their business practice in Hawaii. From their website I can only see the following information : CA : OneMain Financial Group, LLC - Loans made or arranged pursuant to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX. CT : OneMain Consumer Loan , Inc. - NMLS # XXXX. NH : OneMain Financial Group, LLC XXXX # XXXX. PA : OneMain Financial Group, LLC Licensed by the XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

For residents of the State of Washington only : OneMain Financial Group, LLC Consumer Loan Company License NMLS # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I called IC System Inc on XXXX 2021 and asked for a debt validation and verification letter about a collection that they put on my credit report this XX/XX/2021 acct # XXXX for the amount of {$580.00} which was a medical bill dated back on XX/XX/XXXX.she informed me that they didn't provide any such letter i just mentioned above and i had to talk to the original creditor which is XXXX XXXX XXXX XXXX i called them and they said it was out of their hand and the account was closed which lead me right back from where a started from didn't get any resolve or satisfaction to this matter .this medical bill is to old to be on my credit report and Georgia statue of limitation of 4 years already expired have tried to dispute this with several credit bureaus but IC system keep verifying this account as legit and correct when i know is not please help I need this collection report off 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 2021-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Case Number : XXXX Transaction date : XX/XX/2021 Disputed amount : {$81.00} I have a scam transaction but Capital One denied my dispute. 

I won a {$100.00} XXXX gift card for {$81.00} on ebay. I received gift card code and pin number on a printout paper. I did not receive the physical original gift card. On XX/XX/2021, I checked the balance, it has {$0.00}. The seller stated she would investigate this issue, but never hear back from her again. I disputed the {$81.00} transaction with Capital One. I submitted many evidences to Capital One, including conversations between the seller and me, my XXXX orders history to prove that I did not redeem the card, gift card code and pin number, payment receipt, gift card {$0.00} balance screenshot. Capital One denied my dispute. Capital One ridiculous asked me to provide the seller/scammers cancellation policy and purchase receipt. They also ridiculous requested a second opinion letter, from any third-party company, which must be an original letter and on the third-party companys letterhead. I tried many companies. No company is willing to do such letter as would involve legal issue. As my searches online, if buyer gets a previously-owned card with no value, these are scams. I am a victim of scam. Capital One refuses to protect me. Capital One violates Fair Credit Billing Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kimball, Tirey & St. John LLP
State: NE

Complaint narrative:
The roof was leaking the apartment was unlivable the city was aware of it the property manageXXXX for the company which is regional told us to move if we don't like it so we did and they told us we don't owe them anything we don't stay Now after the fact we left the charges for when we were not even living there Plus they're retaliated To have the new place where we're living at kickass out. Our rent was always current up until we move

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: NE

Complaint narrative:
I found on XX/XX/2021 that I am having suddenly 10 collection on my report of something that I have no idea what that about without even contacting me or explaining what that about.

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 2021-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
1. The debt collector stated below that they have not received nothing from me and then on another end the debt collector stated they sent me validation documents from a request I made. Which is it? 

2. According to the data furnisher laws yes if a debt is due then the company has a right to collect on the debt however the company does not have the right to report after the statue of limitations. 

3. On one part the debt collector stated the debt was {$300.00} around 5 years ago however they wanted over {$500.00} to settle the beyond statue of limitation debt. 

4. Remember the words " subsequently, investigated ''. 








Portfolio Recovery Associates, LLC ( PRA ) investigated your complaint and verified the PRA account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account. PRA purchased the XXXX XXXX Bank XXXX XXXX XXXX, XXXX. XXXX " XXXX XXXX '' XXXX XXXX credit card account ending in XXXX from XXXX XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$300.00} was due on the account at the time of PRA 's purchase. We sent our initial notification letter to you on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. The expiration of a state statute of limitations on legal actions limits our ability to pursue legal remedies, but not our ability to collect on the account. We found we previously ceased all calls and other collection communications regarding the PRA account ending in XXXX. We have no record of a request or dispute being received in relation to our initial notification letter. PRA furnished information regarding the account to the consumer reporting agencies in accordance with industry guidelines and specific requirements. Our records reflect that we subsequently received, investigated, and responded to a dispute regarding the account which is similar to the dispute you made in this complaint. In response to that dispute, we verified the accuracy of the information we furnished to the consumer reporting agencies regarding the account and sent you a letter on or about XX/XX/XXXX, containing validating documentation from the original account. We believe that the validation provided resolves the dispute and no further steps in response to your complaint or follow-up actions are required at this time.

Company response to consumer: Closed with explanation