vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 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 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. I have a healthy account, with no disputes or charge backs. I am very desperately in need of my account as this is my only source of income at the moment due to covid. Kind regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MAJR Financial Corp
State: CA

Complaint narrative:
MAJR FINANCIAL CORP, Mr . XXXX XXXX .... The basis for my dispute was required to notify me prior to XX/XX/XXXX, or no later than 30 days after MAJR FINANCIAL CORP, Mr . XXXX failed to notify me about reporting derogatory info. to XXXX, XXXX and XXXX. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 168. Reyes v. Wells Fargo Bank, N.A., XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX ) ( using least sophisticated debtor standard to evaluate Rosenthal Act claims against creditor ) ; Thompson v. Chase Bank, XXXX, XXXX XXXX XXXX, at XXXX ( XXXX XXXX. XX/XX/XXXX ) ( refusing to dismiss Rosenthal Act claims alleging that collection calls made on XXXX XXXX, XXXX XXXX and XXXX XXXX were at inconvenient or unusual times ). INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MI

Complaint narrative:
This creditor repeatedly reports false information on my credit report after numerous conversations of indefinite removal, violating the Fair Debt Collection Practices Act during a worldwide pandemic, legal action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I received an email about a decrease in my consumer report. When I checked my report, I noticed my score had dropped tremendously. TransUnion has reported that I somehow owe them money. I have never done business with this company. I never gave permission. I did not authorize which is fraud-related. 

To whom it may concern Under 15 U.S. Code 1681b -- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave TRANSUNION any written consent to report anything on my consumer report, No consent is identity THEFT.

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 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
SANTANDER CONSUMER IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT FOR XXXX, XXXX, XXXX, AND XXXX. I WAS DENIED A MORTGAGE LOAN DUE TO THIS INACCURATE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: MT

Complaint narrative:
Started loan in XXXX of XXXX with an original loan amount of {$5700.00} the very next month my total owed is {$5900.00}. And only {$00.00} cents went to my principle I pay a total of {$200.00} a month every month on auto pay with a monthly charge of {$170.00} which totals to me paying {$25.00} extra a month. The interest charged goes up and down every month without reason, they didn't take an automatic payment in XX/XX/XXXX and in XXXX of XXXX {$200.00} went to interest and nothing went to my principle. I was told I get charged {$4.00} a day in interest totalling $ XXXX {$120.00} a month yet my interest payments flucuate from about $ XXXX {$200.00} a month and the most ever applied to my principle is about XXXX or so dollars monthly if that. If I were to pay off the loan today they would charge me {$5400.00} meaning after paying {$2000.00} since XXXX of XXXX till XXXX of XXXX I would have only paid {$460.00} towards my principle that is robbery and fraud. Yet I get told I don't understand how a simple interest loan works. Also their statement re how the payments are applied are 1. Misc fees ie. Repo if applicable 2. Interest currently due 3. Principle current and past due 4. Fees ie. Late/nsf 5. Remaining principle. They are being shady with my money and it's not right. I should only owe {$5000.00} not {$5400.00}

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I transferred {$50000.00} from my bank account to BINANCE.US over a month ago to then immediately use those funds to buy crypto currency. My account has been blocked from trading, depositing, and withdrawing for over a month. I was instructed to send a video and verification which I sent over a month ago and still have received no response. I have tried multiple emails and chat messages to get help. 

I received one email about a month ago and thereafter absolutely no communication. I've tried many different ways of communicating with the company but I've not been able to get in touch with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: TN

Complaint narrative:
Experian is has 2 XXXX XXXX accounts on my credit which is basically the same loan and has 2 different charge offs. This was 1 account and should have stayed under 1 account regardless of it being transferred to another branch. I have 1 account that 45 charge offs then another with 61 charge offs which means the debt was sold 61 times? Now it is also reporting that it is in collections now after being charged off. How is that possible? I have asked for these accounts to removed from credit report numerous times. Experian just reaches out to the creditor and they write a statement and nothing gets resolved. If Experian just took the time to look at my report they will see the information is inaccurate. I am asking that these accounts be deleted and removed from credit report immediately.

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 2021-04-09 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:
I am writing to dispute the following information in my file. The items I dispute are listed below. I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ). 
This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: OH

Complaint narrative:
I am complaining against Experian credit bureaus regarding the alleged account with XXXX & XXXX. This bureau and XXXX XXXX have repeatedly ignored my request for debt validation and proof of this alleged debt with XXXX & XXXX. 

I sent both parties a request to complete the about investigation and show how the account was validate if it come back verified on the following : XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX Now of these letters have been address, but my reports show this account charged off with a balance which is illegal. The account is filled with error, inaccurate, incomplete and unverified 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 2021-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
I made a purchase with my Chime debit card from XXXX XXXX XXXX back in XX/XX/2020 for an online business. XXXX XXXX is the owner of this online business located in XXXX and the only way to contact The XXXX XXXX is via email at XXXX I sent Chime all corresponding emails showing I was going back and forth with The XXXX XXXX waiting on the online business to be completed and eventually requesting a refund which The XXXX XXXX agreed they would refund. All of these emails were forwarded to Chime but I have now been denied twice to get Chime involvement into my civil fraud matter. Chime refuses to tell me what is needed or what type of proof they need to purse this civil fraud problem. I have reported The XXXX XXXX to the XXXX or what ever the affiliate company is for international fraud. I was informed by local authorities that the only way an official investigation and probing fraud case can start is if Chime does a chargeback of the {$3500.00} and report this on their end. I have been scammed and Chime does nothing but deny my request. My Civil rights are being denied only because Chime doesn't want to do their job. I'm sure the Banks can write fraud off and get their money back unfortunately that won't happen for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
In XX/XX/XXXX, Regions Bank sent me a check for {$100.00} which was not due to me. Since I knew the check was not due me I did not cash it. Recently, in XX/XX/XXXX, I received a collection letter from Regions Bank stating that I had an outstanding balance of {$100.00}. I then called the phone number provided on the letter and explained the situation to the representative show stated the situation would be resolved. I then received another correspondence stating I still owed the {$100.00}. I called Regions again and spoke to 4 different people attempting to resolve the issue. I finally talked to a representative named XXXX XXXX who suggested I cash the XX/XX/XXXX check and then mail the {$100.00} back to Regions. Even though I did not like this idea, I was willing to try it as I was getting no where with the Regions representatives. My bank did not accept the check because it is stale dated. Since then I have emailed XXXX XXXX 3 times on XX/XX/XXXX, XXXX, and again on XXXX. He has not responded to me or acknowledged my emails to him. As such, I have informed him that I would be filing this complaint.

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 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: OK

Complaint narrative:
This is my second complaint as you all investigate in. 2019 abd I was told it was closed snd removed I have paid this account in full with Caine and Weiner fir 142.00 and it is still showing on my CBR. I need this removed for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: World Acceptance Corporation
State: TN

Complaint narrative:
XXXX  is has 2 world finance accounts on my credit which is basically the same loan and has 2 different charge offs. This was 1 account and should have stayed under 1 account regardless of it being transferred to another branch. I have 1 account that 45 charge offs then another with 61 charge offs which means the debt was sold 61 times? Now it is also reporting that it is in collections now after being charged off. How is that possible? I have asked for these accounts to removed from credit report numerous times. XXXX just reaches out to the creditor and they write a statement and nothing gets resolved. If XXXX  just took the time to look at my report they will see the information is inaccurate. I am asking that these accounts be deleted and removed from credit report immediately.

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 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
The company Chex Systems , Inc. is reporting two accounts to my Chex Systems report. 
These two accounts have been paid in full and per the company, these accounts will be removed from Chex Systems when the balance has been paid in full. 

Source of Information : XXXX  XXXX  XXXX  Amount - {$180.00} Amount - {$450.00}

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 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT FOR XXXX, XXXX, XXXX, AND XXXX. I WAS DENIED A MORTGAGE LOAN DUE TO THIS INACCURATE 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 2021-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
Hello, my issue involves a debt I am actively disputing with The Bureaus Collection agency. While i have asked for verification numerous times in my disputes, and while they have yet to provide me with anything, I noticed today that they recently made a {$1.00} dollar payment into the account. I never made a payment to them because I do not even know what the debt is for much less ever received a response from them. I have noticed this happen before and did an online research. Apparently this is done to extend the statute of limitations of an account and also to keep the account active beyond the legal time frame. 

The credit forums explain that whenever a payment is made a legal agreement to repay is created. When no other payments are received, they can consider this a breech of payment contract and report a new time limit. This is WRONG. Nothing has been paid by me or anyone else, and I am disputing not only the account which is not mine but also this illegal practice used to re-age accounts. 

i am asking this federal agency to take a look at my consumer credit files, to reach out to this company and review all my dispute requests which have never once been answered and to put this company on the record for violating the law. This is illegal and wrong, to keep people locked into debts which they dispute. This is shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
i called capital 1 credit card manager XXXX said she wont give me {$38.00} late fee credit. my payment was not late i paid it on XX/XX/XXXX at XXXX central time and she said it aint late til XXXX eastern time which it would not make it late. i did the payment on the capital one website so i have proof in writing that it was not late and paid by XXXX centeral time so i will not make anymore payments to this card until im credited this late fee of {$38.00}. and a late fee of {$38.00} is quite high for a late fee and im disputing this. until i get {$38.00} late fee no more payments will be paid to this card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-09 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: Colony Brands, Inc.
State: OH

Complaint narrative:
I am complaining against XXXX credit bureaus regarding the alleged account with Monroe & Main. This bureau and Monroe Main have repeatedly ignored my request for debt validation and proof of this alleged debt with Monroe & Main. 

I sent both parties a request to complete the about investigation and show how the account was validate if it come back verified on the following : XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX Now of these letters have been address, but my reports show this account charged off with a balance which is illegal. The account is filled with error, inaccurate, incomplete and unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: Affirm Holdings, Inc
State: MS

Complaint narrative:
Someone by the name of XXXX XXXX has used my personal information for a order with XXXX over a year ago. I have contacted XXXX several times since last year and each time Ive spoken with them I have been told that the order was marked fraudulent but they have not refunded the loan company that issued the payment, which is Affirm. The person applied for the loan with an address that I have not been associated with in over 10 years. This matter is getting out of hand and is causing me great frustration. I have taken all of the steps necessary and have cooperated with both companies. Theres nothing more I can do.

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