vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-21 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: NV

Complaint narrative:
I review current copy of my credit report and show inaccruate information. I sent dispute with no reply and show it has been more than 60 days. Account name XXXX XXXX XXXX  Account number XXXX. Is show as a chargeoff account with an open balance reporting in the amount of {$2500.00}. I understand this is a direct viloation of FDCPA and that no chargeoff can report a balance and it must show as {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I reviewed a current copy of my credit report and show inaccruate information listed. Account name U S DEPT OF EDXXXX Account number XXXX is showing listed as a chargeoff and reporting an open balance in the amount of {$11000.00} which and open balance I understand due to chargeoff is a direct violation of FDCPA XXXX I have dispute this acocunt on a number times with no reply and it has been over 60 days which is a violation of FCRA.

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 2021-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On XXXX XXXX I was trying to pay my car note and car insurance bill and my card kept declining. I had over enough to cover the charges. I called the customer number for Credit Karma spend account, and was advised that my card account had been locked by the system. The customer service department told me they could not tell me why. The rep told me that they send a help ticket to the tier one team. They also advised me that it usually takes 24 hours to get a answer. I have continued to email, call and speak with supervisors and still have not been given a answer as to why my account is locked. My account has currently been locked for 5 days now. I have not received a call back, email, or mailed notice as to why my account is locked. The number provided to me as the customer service number says they can not give me a answer and the only thing they are allowed to do is make a email request for me. Im reaching out for your assistance because I cant get any answers on why my account is locked and I have not received a resolution to my many complaints to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TX

Complaint narrative:
I have repeatedly contacted TransUnion to have Bankruptcy XXXX removed from my credit report. I have sent letters to TransUnion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. TransUnion has failed to provide me with any verifying documents and has refused to remove the Bankruptcy XXXX from my credit report. In my most recent letter on XX/XX/XXXX, I requested that TransUnion provide me information that details how they have verified the Bankruptcy XXXX on my credit report. TransUnion sent me a letter stating that the information they use to verify public records can be found at XXXX XXXX XXXX When I go to this website ( I have provided a screenshot of the website ) it states that they use information from XXXX to verify Bankruptcies. I have attached a letter from XXXX stating that they have removed Bankruptcy XXXX from my XXXX report on XX/XX/XXXX. TransUnion must delete Bankruptcy XXXX from my credit report. XXXX could not verify the Bankruptcy and TransUnion uses XXXX to verify Bankruptcies. XXXX also stated that they sent TransUnion a letter to have the Bankruptcy removed from my TransUnion credit report. XXXX sent this dispute request to TransUnion on my behalf on XX/XX/XXXX. I received a letter from XXXX dated XX/XX/XXXX that TransUnion HAS NOT RESPONDED to the dispute sent by 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 2021-05-21 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: NV

Complaint narrative:
I reviewed a current copy of my credit report and show inaccruate information listed. Account name U S DEPT OF EDXXXX Account number XXXX is showing listed as a chargeoff and reporting an open balance in the amount of {$11000.00} which and open balance I understand due to chargeoff is a direct violation of FDCPA XXXX I have dispute this acocunt on a number times with no reply and it has been over 60 days which is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION

Complaint narrative:
On approximately XXXX XX/XX/2021, a home loan refinance with cash out was initiated with Pentagon Federal Credit Union. Throughout the application and review process, I communicated that I was an XXXX XXXX service member serving overseas and that my spouse would sign closing documents via certified special home refinancing power of attorney. On several occasions documentation was requested and provided to include the special POA. Application fee was paid, refinance rate with cash out option was locked, and a home appraisal was scheduled. On XXXX XX/XX/2021, PENFED provided notification " unable to use Power of Attorney for a cash out refinance. '' Also added, " Unfortunately, this means that we can only do a refinance of the mortgage balance with NO CASH OUT, or you would have to be able to sign on your own behalf at closing. '' I thoroughly communicated that I was a XXXX XXXX serving overseas on multiple occasions to ensure this would not be an issue. PENFED misled on their availability of services from time of application and no less conducted bait and switch tactics. I don't understand how a refinance with cash out application was approved with use of POA but after approximately one month, only a refinance without the cash out option can be closed with a POA. The company states a POA can be used to refinance but not with the original conditions agreed upon.

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 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I reveiwed a current copy of my credit report and show inaccruate information. Account name XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account numberXXXX. is showing as a collection/chargeoff with and open balance of {$750.00} and I understand this is a direct Violation of FDCPA. I understand a charge off account must report {$0.00}. I have disputed this account on a number of time and no reply has been given and its been more than 60 days. Which is a violation of FCRA. Please delete 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 2021-05-21 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

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 2021-05-21 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 contacted Equifax on numerous occasions about a Bankruptcy Acct # XXXX that they are reporting on my credit report. I have sent them letters in the mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have this inaccurate and unverified Bankruptcy Acct # XXXX removed from my credit report. This same account has already been removed from my XXXX credit report and my XXXX credit report. XXXX has also sent a dispute request to XXXX on my behalf on XX/XX/XXXX. I received a letter from XXXX dated XX/XX/XXXX that Equifax HAS NOT RESPONDED to the dispute sent by XXXX. Equifax has taken more than 30 days to respond to the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: GA

Complaint narrative:
I contacted transuinioon or about the date of XX/XX/XXXX Regarding notification of a inquiry that I had no knowledge of from XXXX XXXX on XX/XX/2021. It was told that the inquiry was not there On XX/XX/2021 I received a XXXX via XXXX XXXX that had included it's pretty common that a hard inquiry was pulled from XXXX XXXX on that same day I called TransUnion and was again told that the inquiry did not exist I then received a hot inquiry from XXXX XXXX  via XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX regarding a inquiry that was indeed mine but was resolved by XXXX XXXX stating that it was not supposed to result in a hard inquiry I contact the XXXX  once again in its XXXX that the bank agrees to reverse the inquiry and it is still on my report as of XX/XX/2021 Trans Union does not want to assist In spite my credit report station that is not there

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 2021-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
XXXX loan for {$5500.00} was told that by the end of my loan I would have paid {$17000.00} I had no idea that my APR was 900 % out of never agreed that I have payments of {$300.00} a month I have no income at this time and such company is threatening to send me to collections after being 2 days late I have no regulation of XXXX  XXXX XXXX with that much interest in such a short of time to pay back I have no regulation of XXXX XXXX XXXX with that much interest in such a short of time to pay back and App and affected by XXXX Net credit is a predatory loan which I having to make payments 3 times a month on the XXXX to XXXX in the XXXX of XXXX which is unreasonable and not able

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TX

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

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter 7 Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi my name is XXXX XXXX XXXX i live in XXXX ca i have an account with bank of america and it been a night mare from day one that i foumd out i have an account with them okay back in XXXX of 2020 i ooen my XXXX clam they send me a card thew the mail so i was waiting from my card well i call XXXX a lot of time ti check the status of my catd all they woukd tell me me was it on it why well for some resion in XXXX of XXXX they tell me o you can call bof a to check on your card so i do they tell me i need to go into bank to verify my id so i do well. XX/XX/XXXX this night mare started i go into bank they tell me some one is using my card they sent me in the mail i ask what card iam still waiting for it they tokd me no you got it back in XXXX i said you thin i would be here in the bamk tryinhbti get my card if i had it aready so they tolf me okay eell we can XXXX that card issue you a new card and issue you a XXXX right now untik you get yur new card you will be avealble to access your money i did not have a choce so i did wjay ghey told me i also udated my info i tje bank well they sent my new card to the same addrsss luckly i fowered my mail from thre i git my card because of my mail being fowarded to my address well i get my card i try to accivate it now my accunt closed my clam closed and my card frozen this happen two days aftrr i put my clam in so now i have to out a reqest in to reopen my account takes 2 mounths then i have to put in a reqest for them to reopen myclam have to investagat it can take 45 days but they closed my ckam 2 days after againg and tge same thing over amd over and over and over need help because i dont think there taking this seruse this is my money i am goung trew hard ship and this is aking it a lot more dificult then it needed to ne

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 2021-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On What XX/XX/XXXX {$20.00} was taken from my cash app when my phone was not with me stolen and notified cash app they immediately disclaimed and said that funds would not be returned I happen trying to reach cash app in no Resolution husband found as of XX/XX/2021 I found them that I haven't had a problems with identity problem and they was not helpful they It was unprofessional in Denied my cla before doing due diligence into the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX Capital One bank XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Subject : Capital One bank a/c # XXXX To the office of director of Operations Dear sir, I kindly write this letter to your office in reference to the above account, For you, to instruct the right department to research, audit and refund me A short balance of {$27000.00} as per attached Excel summary as soon as possible. 
The book reviews a record from XXXX to XX/XX/XXXX Note : 1 ) I HAD CREDIT CARD WITH CAPITAL ONE BANK ACCOUNT # XXXX AND I MADE A FINAL SETTELEMENT OF XXXX {$930.00} in XX/XX/XXXX in full But asked to pay two times {$130.00}, XXXX so paid again asked to pay for third time 2 ) I traveled to XXXX and made a purchase of over XXXX {$5000.00} But cancelled the transaction, and the XXXX and XXXX refunded this money to the credit card company but Capial One bank denied. so after long and problematic process money was refunded Partially, having a credit card insurance. 
3 ) as per my Report to consumer finance protection office I had a balance of XXXX XXXX XXXX ( usd XXXX ) Per recorded but the bank system gave me a balance of XXXX XXXX ( {$3500.00} ) A short balance of ofApprXXXX {$6500.00} 4 ) I was denied a right to a year bank statement instead asked to pay USD {$200.00} for the statement against the law, calculating I do not have the money in account, still I request this bank to produce A two year bank statement and mail to my XXXX address 5 ) I was deprived a right to reset online password by email security authentication, still request to send me a password reset via my XXXX account Thanks XXXX XXXX XXXX cXXXX XXXXXXXX, va XXXX XXXX XXXX C.C - consumer finance protection bureau Office of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TX

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

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX BANK on XX/XX/XXXX ( Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I sent MACYS/XXXX multiple certified and notarized dispute letter with no response. MACYS/XXXX has violated 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. MACYS/DSNB has been willful noncompliance and in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. MACYS/XXXX has oppress me by allowing this collection to be on my account stopping me from receiving services and goods. Also harming my reputation by dropping my credit score.

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 2021-05-21 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: WorldRemit Corp.
State: AZ

Complaint narrative:
I called my bank and let them know that my card was missing so i filed a dispute onXX/XX/2021 from several charges appering on my online bank account so i got my money back. I recieved couple of letters stating that they investigated and that the charges where incorrect and that tha credit they gave me back was know permanent so everything good till that point so i received another letter saying that charges were correct from certain company and that they were going to take back my money so know my bank account is overdrawn by almost XXXX dlls. The confusing part is if i had reported my card lost and the same day the transsaction was made wich was on XX/XX/2021all the other were made as well so the other charges they said they were incorrect exept the charges from one company that cant be right if all charges were made same day then is obiosly i did not make or authorize this payments the company name is world remit and my banks name is chase..

Company response to consumer: Closed with explanation