vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 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: CA

Complaint narrative:
My PayPal account is on a 180 day hold which is closed for no reason and they will not help me get my account back and I havent got no response yet from months and this happened last year in XX/XX/2020 so I been waiting to get withdraw my money from the account which I have at least XXXX in the account my PayPal account name is XXXX and email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NC

Complaint narrative:
AFNI is claiming that I owe them {$69.00} with an Account Number:XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I opened an XXXX XXXX business credit card on XX/XX/XXXX. I never missed a payment on this credit card. In XXXX, XXXX I was still in the grace period, I called XXXX XXXX to let them know and they said, its not a problem, youre a good customer, this doesnt reflect your personal credit anyways as its a business credit card. However, XXXX XXXX did indeed report this credit card per Experian, Ive tried disputing this several times with no success as Experian doesnt like helping the consumer. Please either remove this account from my credit report or remove the late payment as this was a business credit card, not a personal credit card.

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 2021-03-19 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: KY

Complaint narrative:
I am a victim of inaccurate/fraudulent information reporting on my credit file. I am extremely upset that the credit bureaus are allowing this inaccurate information to be reported. My reputation as an consumer is being tarnished and it is causing emotional and financial hardship. I have tried to resolve this issue with Equifax directly but it seems as if I am not being taken seriously and my attempt to resolve this issue is being ignored. I have sent letters to the credit bureau for the last 4 months and I have yet to receive a resolution of the inaccurate/fraudulent items to be deleted from my credit file. My first letter was mailed out on XXXX of XXXX and I have sent several letters since then. After doing my own research I learned that the " Consumer Finance Protection bureau '' CFPB is the governing body over all credit reporting agencies. I am expecting you to help me resolve this problem and enforce your power to make the credit bureau do their job to not report inaccurate/fraudulent accounts on my credit profile that damage my credit worthiness and overall reputation. My rights as a consumer are being violated according to the " Fair Credit Reporting Act '' FCRA. I also did not give the credit bureau permission to report these inaccurate/fraudulent accounts so the must be deleted immediately according to the FCRA. Please help me resolve this issue to remove these inaccurate/fraudulent accounts from my credit file. 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and I'm seeking litigation please delete at once 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and I'm seeking litigation please delete at once 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and I'm seeking litigation please delete at once 4. Violation of FCRA XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 5. Violation of FCRA XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 6. Violation of FCRA XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: SC

Complaint narrative:
My credit card was turned over to collections when I was assured by a Bank of America representative that it would not be. 
I called Bank of America 's ( BOA ) credit card department on XX/XX/21. I called to inform the company that I would not be able to make a payment by the end of the month. I also wanted to know if my account would be turned over to a collection agency and reported to the credit bureaus. I informed the agent that I would not be able to pay until XX/XX/21. He assured me that my account would be fine and that my account would NOT be turned over to a collection agency and NOT be reported to the credit bureaus. This was not true and my account was turned over to a collection agency ... I called BOA again on XXXX and spoke with a XXXX XXXX. I informed him of what had happened and he told me that he would pull the recorded call from my previous conversation on XX/XX/21, to verify what I was telling him. He never called me back. On XX/XX/21 I called in again and this time I spoke with XXXX XXXX. He verified that the recorded call had been listened to on XX/XX/21. He also verified that the call validated EVERYTHING that I had told them about the initial XX/XX/21 call. He informed me that he was going to contact his compliance department to have my account removed from the collection agency and credit bureaus. XXXX called me back on XX/XX/21 and told me that their compliance department refused to correct this mistake, even though they verified that I was given wrong/false information by their employee.

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 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have excellent credit and every time I apply for the Apple Card by XXXX XXXX they require my identity. I upload my identity clearly with information matching. Within 1-5 days depending upon the 30 days that I wait they decide to decline because they cant get verification of information as per their decision. I ask if I can fax or mail they advised me that they can not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
My name is XXXX XXXX and I have been unable to access my verified XXXX account since XX/XX/21. I have emailed the company repeatedly, which has no phone number or other way to contact them at provide assistance. The company has my account balance held hostage and will not respond to my inquiries. My account is also linked to my banking so I fear other financials are now at risk. I need access to my account so I can pull all my funds from this brokerage and never using them again. You can not take peoples money and not allow them access to it. This experience honestly feels like theft I have no access to my money and there is no customer service. I can not sleep and am suffering a great deal of distress. my email is XXXX which is link to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: NJ

Complaint narrative:
I checked my credit report  and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Beginning XXXX XXXX Synchrony Bank began putting a {$1.00} charge on my card for every purchase made using their card at Amaon.com. This is a new behavior, and XXXX says they should not be putting that {$1.00} authorization charge on my account for each and every purchase. Also XXXX vows that charges for each purchase will not post until the item ships. Synchrony Bank has been posting charges for each purchase before the item even ships.

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 2021-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
-Collections is not from original creditor. I do not owe XXXX  XXXX, ERC, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX I never heard of. I never did a contract with them. Their violating FDPCA Section 807 Misleading false reporting. I feel like im being taken advantage of being ignored of my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is taking brief snapshots of the credit balance on my credit card, even though I have been paying off full balances within 2 days, before the " due date '' ( in order to keep our score high ), and " reporting '' it as " an event '', which apparently is driving down my FICO score, if only temporarily. 

They are then using this very short term cc balance increase ( that I pay off almost immediately ) to put downward pressure on my FICO score, to apparently try and sell me services which will help to improve my score. 

I received this alert on my cc balance ( that existed for maybe 2 days ) 1 day after I had paid the full balance. The alert was received on XX/XX/XXXX. 

They have a major conflict of interest built into their business model and this I would like to see changed. Thanks, 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 2021-03-19 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: TX

Complaint narrative:
" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravers ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. ''

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 2021-03-19 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: TX

Complaint narrative:
" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravers ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. ''

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 2021-03-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I sent a letter to Equifax, XXXX & XXXX  regarding inaccurate and unknow things on my credit reports. There have been several unauthorized and unrecognized inquiries added to my report over the last 2 years from unknown sources. I don't have any open accounts with any of these inquiries reporting therefore I disputed the validity of these details and its been 60 days and the Bureaus have not responded yet. Here is the list reporting fraudulently across all 3 bureaus : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Social Finance, Inc.
State: TX

Complaint narrative:
I have called XXXX  invest and have asked for a call back, i have not recieved the call back the wait times are about hours long i was promised by a representatove that the errors would be corrected as well as a bank letter indicating to reverse the overdraft fees that first convenience charged me for their error, i still have yet to receive the letter and any over draft fees, please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit score in Equifax is not reported. 


This is a formal complaint against Equifax. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continue reporting inaccurate and incomplete information about me to potential creditors. 

I have been trying to resolve this problem since last year. I am not sure what the problem is, I have sent this company a letter multiple times to dispute this incorrect or incomplete reporting. Every time I log in to my credit monitoring, I do not see my credit score and all of the accounts under Equifax reported. I have attached all of the letters I have sent to this credit bureau as proof that I did what I had to do to fix this issue once and for all because I am trying to get approved for service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: TX

Complaint narrative:
" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravers ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management
State: SC

Complaint narrative:
This was an approved visit to hospital by the XXXX XXXX. The VA has communicated with the hospital and has paid. After speaking with VA and hospital it was clear that Radiologist billed incorrectly. VA has already spoken to them about proper procedures.

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 2021-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
Collections is not from original creditor all the collections on my credit report is violating the laws. '' I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravers ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RC is claiming that I owe them {$360.00} with an Account NumberXXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one closed my account stating fraud I did nothing fraudulent I would setup promise to pay and my check wasnt in there at the time they would take it so when I received my money I paid them I cant control when my money gets in the account at what time the crazy part I would call to pay and they system wouldnt take payment. Had to wait to there system show it returned this happen all the time. They wouldnt allow me to pay with debit card even told them a few times my account was hacked so my account was being changed they still didnt care I called and told them everytime So Im not understanding I also was told the late payments they reported would be removed because I was impacted due to Covid and they said they waived and would update my report but they didnt I see it shows 60 days late. I wanted my account to stay open since Im trying close on a house this has hurt my chances so Im asking them to consider leaving it open. I dont use my card but pay a bill then pay it off the XXXX thats show Im paying but would like my card to stay open

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX under section 623 A as the data furnisher continues to report using the E-OSCAR system information that is NOT 100 % complete or accurate. I am on state XXXX and I was notified by the UTAH XXXX office it is illegal for XXXX to report any XXXX related billing issues to the credit bureaus. Several violations have been committed under the FCRA, HIPAA and the FDCPA.

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 2021-03-19 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: UT

Complaint narrative:
XXXX XXXX XXXX under section 623 A as the data furnisher continues to report using the EXXXXOSCAR system information that is NOT 100 % complete or accurate. I am on state XXXX and I was notified by the UTAH XXXX office it is illegal for XXXX to report any XXXX related billing issues to the credit bureaus. Several violations have been committed under the FCRA, HIPAA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA FEDERAL SAVINGS BANK XXXX XXXX XXXX Amount XXXX HOLD ON ALIMONY/CHILD SUPPORT CHECK LONGER THAN FIVE DAYS. 

Confirmation XXXX XXXX XXXX Bill Pay XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/2021 I am very upset having to do this for the second time. I sent a letter letter regarding inaccurate information on my credit report which resulted in my credit score dropping 134 points and still till this day 45 days later I have still yet to hear from the credit bruros. I know my rights the credit bruros have 30 days to reply or delete the invalid 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 2021-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I sent a letter to XXXX, Transunion & XXXX regarding inaccurate and unknow things on my credit reports. There have been several unauthorized and unrecognized inquiries added to my report over the last 2 years from unknown sources. I don't have any open accounts with any of these inquiries reporting therefore I disputed the validity of these details and its been 60 days and the Bureaus have not responded yet. Here is the list reporting fraudulently across all 3 bureaus : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 explanation