vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-20 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: CITIBANK, N.A.
State: HI

Complaint narrative:
I opened a new account with Home Depot/Citi for a credit card in the fall of XXXX in the local Home Depot store. When signing up I was not asked for my address. Unfortunately the address Home Depot had on file was an old address. As a result I never received an invoice for that day 's purchase ( which I believe was {$66.00} ). Home DepotXXXXCiti did have my correct phone number on file, but never called me about the payment. 

Around XXXX of XXXX I was made aware that my credit report was showing late payments on the Home Depot/Citi account XXXX It had been long enough that I didn't even remember the purchase. I took it on myself to call Home Depot/Citi and ask why they were reporting late payment when I had never received an invoice. In the conversation we discovered that the invoice was sent to an address from 2 previous moves. We corrected the address over the phone. Home DepotXXXXCiti admitted that they never sent an invoice to my current address and cancelled the late fee and interest. I gave the agent a XXXX to make the payment over the phone. 

I then disputed the late payments with the credit bureau, however Home DepotXXXXCiti confirmed the late payments. I then called Home Depot/Citi and was told by the agent that the late payments will be removed from my record. I waited XXXXdays but the late payments did not go away. So initiated another dispute. With the same result. To date I have initiated XXXX disputes without any resolution. The first XXXX  times Home Depot/Citi informed me the late payments would be removed from record. But they never were removed. The XXXX time Home Depot/ Citi even sent me a letter stating that there have been no late payments on my account for the past XXXXmonths. And yet they still confirmed the late payments with XXXX. The 4th time I was informed by the agent that even though : the late payment was cause by Home DepotXXXXCiti 's failure to send an invoice to my correct address, that Home Depot/Citi never called me XXXX and that I paid the bill within minutes of being informed that there was and outstanding bill, that per federal law they are required to report my payment as being late. That is absurd. 

From my perspective I was never late on the payment because I paid it within minutes of being informed there was an outstanding bill. I feel that Home Depot/Citi should remove the late payments from my record and confirm that there are no late payments with the credit bureaus.

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 2021-11-20 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: Netspend Corporation
State: MA

Complaint narrative:
They sent a new card never got my stimulous payment. Never settled the claim. Continue to send fake cards in the mail.

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 2021-11-20 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: SC

Complaint narrative:
I am sounding the alarm on XXXX, Experian, and XXXX! This is the case because XXXX continues to hold my credit reports hostage by refusing to send me my own credit reportswhile they illegally monitor, manipulate, and intentionality, maliciously, and recklessly expose, conspire, and disseminate my confidential identifying information to like-minded perpetrators to use and misuse continuously! It is time to take action against XXXX for its targeted, intentional efforts to use the credit bureaus as a tool to discriminate and oppress the XXXX American community! It is time to investigate XXXX and ENFORCE THE LAW under the Fair Reporting Credit Act! Our democracy is at stake, as credit bureaus hold important identifying information that when placed in the wrong hands can do significant harm. Therefore, I am demanding that the Consumer Financial Protection Board, The Federal Trade Commission, and local, state, and federal law enforcement agencies take IMMEDIATE action against XXXX for its ongoing intentional, breach of consumer information. 

XXXX XXXX XXXX is suspected of working with XXXX to target the credit of XXXX Americans, who may be in the process of buying a home or attempting to get the best rates on insurance, etc., by intentionally reporting false and inaccurate information. For example, when I applied for credit in XXXX at XXXX XXXX XXXX, the store XXXX, who ran my credit, stated that I had good credit. However, I learned shortly thereafter that the store XXXX had reported a false address, XXXX XXXX XXXX XXXX, XXXX XXXX, South Carolina, and another XXXX XXXX person falsely reported late payments for XXXX and XX/XX/XXXX. However, there was only ONE late payment in XXXX, XXXX ( Please see attached evidence ). I demand, based on the laws under the Fair Reporting Credit Act, that this false and inaccurate information be deleted from all three credit bureaus immediately! I find it VERY strange that the store XXXX stated that they only report to XXXX, but Experian JUST ADDED the fraudulent 30 days to my Experian report AFTER the last Complaint I filed with the Consumer Financial Protection Board. Also, XXXX is reporting the fraudulent 30 day late payment as well.

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 2021-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
PayPal see had accepted in payment on my behalf and made it available XX/XX/XXXX at XXXX per the instructions on my website. Waiting. PayPal then decided to extend my waiting period until XX/XX/XXXX. Nothing was sold on PayPal nothing was exchange on PayPal nothing w or exchanged or process in any manner on PayPal 's website the businessman they sent me a payment that they owed me from two weeks ago and PayPal felt the need to hold the funds without any XXXX even though the payment has cleared their systems according to their supervisor. On top of which PayPal charge me a hefty fe PayPal has lied numerous times customer service has supplied me with exact times and dates that the payment was going to be issued on however they keep changing the date in which they want to send me my money. PayPal is acting like an extortionist holding people 's an individual 's money without regard to the individual 's rights or laws. I hope to see if he be fines and investigates why PayPal finds it necessary to hold individuals funds when they conducted zero business on their website

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
IN REGARDS TO COMPLAINT # XXXX. THAT WAS CLOSED. NEEDS TO BE REOPENED. THE COMPANY " XXXX '' STATED THAT THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTIONS ACCORDING TO XXXX XXXX XXXX. " XXXX '' HAS ADMITTED TO CREATING A DUPLICATE ACCOUNT. PURSUANT TO XXXX XXXX XXXX ( XXXX ) I AM A NATURAL PERSON. " XXXX '' IS IN VIOLATION OF PURCHASING A DEFAULTED DEBT. UNDER XXXX XXXX XXXX ( G ) AS A FEDERALLY PROTECTED I REQUEST ALL DOCUMENTARY EVIDENCE UNDER XXXX XXXX XXXX OF SUCH CONTRACT EXISTS WITH MY SIGNATURE, DATE OF ORIGINAL CHARGE OR DELINQUENCY., AMOUNT PAID FOR THE DEBT THAT " XXXX '' ADMIT TO PURCHASING WHICH THEY ARE IN THEIR RIGHTS BUT MY INFORMATION WAS COMPROMISED AND THIS IS AN INFRINGEMENT UPON MY CONSUMER RIGHTS. YOU ARE ABLE TO REQUIRE ABOUT CONSUMERS LOCATION INFORMATION PURSANTED TO XXXX XXXX XXXX ( B ) FROM A PERSON CLOSE TO ME WHO DID YOU COME IN CONTACT WITH? THIS IS CALLED DEBT PARKING. I REQUEST A XXXX XXXX XXXX AUDIT XXXX XXXX XXXX ( XXXX ) ( A ). NO CONTRACT NO CONSENT IS IDENTITY THEFT, AS I WILL BE FORWARDING TO THE FTC. CLEARLY IN VIOLATION OF XXXX XXXX XXXX ( A ) AGGRAVATED IDENTITY THEFT. AGAIN CONSUMER DISPUTES THIS DEBT AND ALL CLAIMS IN ACCORDANCE OF XXXX CFR XXXX, TITLE XXXX XXXX XXXX, REGULATIONS Z AND REGULATIONS M. AS TO I WAS NOT NOTIFIED I HAVE A RIGHT TO KNOW WHAT THEIR COMMISSION IS IF THEY ARE SUCCESSFUL IN THE COLLECTION OF SUCH DEBT PURSUANT TO XXXX XXXX XXXX ( C ) ( XXXX ). VIOLATION OF XXXX XXXX XXXX ( A ) ABUSIVE PRACTICES AND XXXX XXXX XXXX ( J ) XXXX XXXX XXXX XXXX Chapter XXXX, engaging in counterfeiting and such behavior is a felony according to XXXX XXXX XXXX ( XXXX ) ( XXXX ) if a company has filed a XXXX they have committed XXXX XXXX  and should be reported to the IRS XXXX under XXXX usc XXXX ( XXXX ) ( b ) no right to collect. if you are not affiliated with the united states XXXX and you are or are working with a private attorney. until you can produce a contract to collect services under XXXX XXXX XXXX you can not collect ant debt in the united states XXXX to XXXX XXXX XXXX CEASE AND DESISTS IN YOUR UNLAWFUL FURNISHINGS AND REMOVE FROM " ALL '' REPORTING AGENCY IMMEDIATELY. FOR MY EVIDENCE TO PROVIDE TO ANY COURT PROCEEDINGS I REQUEST XXXX FORM PLEASE SEND BACK ALL REQUESTED ITEMS LISTED HERE IN COMPLAINT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I noticed the debt company posting XXXX on Equifax credit report without any proof or reason for any balance due. Starting date XXXX have provided numerous bank statement copies of money withdrawn of monthly dues of my XXXX year contract with XX/XX/XXXX and never received any statement from XX/XX/XXXX of showing balance is due.With cXX/XX/XXXX I only had basic internet services for my daughter to use for after school homework with a monthly balance of $ XXXX policy is you XXXX the month advance. I been disputing with them. XXXX XXXX XXXX can not give me any proof or reason for any debt owned only replying to me that are collecting a debt.XX/XX/XXXX has no prier balanced owned to them.The company brings up an issue that has been resolved and in the mean time my credit score decreases because of the neglects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Branch XXXX XXXX  XXXX has illegally frozen a business entity of mine bank account of mine ACCNT # XXXX. Money is being held without my consent and being leveraged to pay for a personal debt. I've gone into the brand to handle this and they are claiming a personal account is negative and I need to pay the balance for the personal debt and can not have the money from a business account. It's illegal to hijack my business account which is a completely separate entity. You can not freeze my business account and its assets bc of a negative balance in a personal account. My entire livelihood is in jeopardy and I can not pay for any bills or survive. If the bank wants money from me personally they may file a civil suite or place in collections. They can not do so against a completely different entity. Limited liability companies, or LLCs, are considered separate legal entities, wholly apart from their owners. This means the owners are not personally liable for the businesss debts and obligations. Likewise, the business is not liable for the personal debts and obligations of the individual owners. 

They have blocked me from seeing any transactions or even accessing my accounts or viewing anything because of a personal debt. 

I'm filing a lawsuit and filing with the FBI for bank fraud on this XXXX if the business account is not released. Any civil matter with me personally may be handled separately

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 2021-11-20 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
An account was open with Comenity Bank XXXX XXXX XXXX XXXX in XXXX of 2021. The opening balance on the card was {$5000.00}. On 4 occasions the credit card company has been paid. XXXX {$500.00}, XXXX {$350.00}, XXXX {$250.00}, and {$350.00}. Totaling {$1400.00}. The checks sent to the correct po box XXXX with the correct account number on them have been received and cashed by the company. However, on SEVERAL occasions I have reached out to the company with no luck. 

After entering a formal dispute with the company, they still reported delinquency to credit score agencies. I was also told that they believe one of their employees may have stolen this money. 

Comenity is still harassing me for past due money, in which I have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: OH

Complaint narrative:
I am not an attorney or XXXX- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts -XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX  # XXXX -XXXX XXXX XXXX # XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: VA

Complaint narrative:
Hello, I've been doing business with PayPal for over 8 years. Recently, I was asked to provide details about XXXX transactions, which I've successfully completed. Within a few hours, I received an email about my account being permanently limited ( which means banned ). I have over {$50000.00} of funds within this account, which I need to use for a downpayment on a home that I was planning to buy this week. They said that these funds would take 180 days in order to clear, which is an excessively long time. I did not expect this to happen, especially since I have a very low chargeback rate and high customer satisfaction. They claimed that I violated with " user terms '' but there is no evidence of this happening at all. I have not committed any fraudulent transactions, so there is no reason for them to withhold my funds for 180 days. I have signed contracts from all of my clients and our relationship is in good standing. I feel that this is completely unfair by Paypal. I have been a loyal customer for a long time. I expect them to resolve this issue within the next few days. 

Reference ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed information multiple times with the XXXX major reporting agencies asking for specific information about my dispute and I have not gotten resolution. They keep sending me a general message saying information has been verified but will not include details of the verification.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed information multiple times with the XXXX major reporting agencies asking for specific information about my dispute and I have not gotten resolution. They keep sending me a general message saying information has been verified but will not include details of the verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX Cashapp allowed fraudulent and unauthorized transactions of more than XXXX $ to be deducted from my account at XXXX XXXX and XXXX XXXX XXXX K respectively. Again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the same XXXX merchants successfully frauded me a settled total of XXXX $ through my cash app card. I reached out to XXXX XXXX Fraud Investigations officer XXXX XXXX who after checking confirmed to me that my card has been used at XXXX different XXXX locations since XXXX. The XXXX $ and XXXX $ transactions on XX/XX/XXXX and XX/XX/XXXX was looking like test transactions to make sure the counterfeit card was going through. 
I have take the information and files a police report at XXXX ( case : ID Theft Report XXXX ) for the counterfeit credit card fraud, after being advised by XXXX herself. I have also followed and reported the same to Cash App XXXX XXXX XXXX Bank but none has come out to show me that they are really out to help me address my issues and get my refunds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
1 ) I received a notice on XX/XX/21, that my Personal Loan was in collections due to non-payment of {$800.00}. I made XXXX separate payments of {$800.00} on XX/XX/21 and XX/XX/21 via bill pay. The XX/XX/21 payment was received, but not the XX/XX/21 payment. XXXX, I emailed XXXX the XX/XX/21 canceled check copy showing that they had cashed the check, but had not credited my account. 
I called Santander bank on XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. I received a call back on XX/XX/21 and XX/XX/21 from the bank representatives assuring me that the matter was being handled and on XX/XX/21 that it was resolved. 
I received my XX/XX/21 loan statement and the XX/XX/21 payment has still not been credited, and a {XXXX} late fee has not been reversed. 
I am scheduled to receive a call back from a Santander representative on XX/XX/21 with a resolution. 
2 ) Santander tracking of my loan payments are incorrect, as my statement states an amount due of {$1600.00} and I have made monthly on-time payments on my 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 2021-11-20 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: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I have tried everything to resolve the issue from writing Hyundai capital a letter to calling to disputing the issue with the bureaus but nothing has worked as they are refusing to acknowledge my request the manager at Hyundai capital laughed at my concerned and said i would never be able to remove the remark as they say was reported correctly the issue is that it was NOT i paid my lease every mo the on time they failed to report an excise bill and too the money from my monthly hill to pay the excise bill when confronted why they shared that it was a system issue they have and was processed that way

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 2021-11-20 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: CA

Complaint narrative:
TransUnion is reporting an unverified and unvalidated XXXX XXXX account on my consumer credit report. The account is listed as being charged off. Pursuant to XXXX XXXX Code XXXX, the term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX bank XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of XXXX, and canceled United States stamps.

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 2021-11-20 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: OH

Complaint narrative:
I am not an attorney or XXXX- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts -XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation