vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 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: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: CT

Complaint narrative:
I have been disputing fraudulent inquiring on my TransUnion credit report for the last 3 months. I have sent letters to them stating and showing the inquiring are fraudulent and need to be deleted immediately with no results.

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 2021-05-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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 l have not been able to get help from them for months but I just remembered I could file a report on here as 1 tool they are not doing their job properly and it is effecting me a great deal as used PayPal quite frequently My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed that there was an account that it is not mine and I would like for it to be removed immediately. I sent certified mail below will be the slips. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$5200.00}

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 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
Homepointfinancial is refusing to apply my funds and are holding for 15 days. Highly unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: GA

Complaint narrative:
I XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in fact me that submitted this report and a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX I made an online purchase from " XXXX XXXX XXXX '' The next day I called to cancel the order, I was told it was too late to cancel that I could refuse delivery or return the item. The tree was never delivered to my home. I never received it. It could have been delivered to the wrong house or could have been stolen. The co. refused at first to provide credit. They filed a claim with XXXX, it was resolved in my favor and the co. provided me with a refund on XX/XX/2021 in the full amount of {$200.00}. Receipt attached. 
Discover still refuses to credit my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: SC

Complaint narrative:
AWA Collections is trying to collect a debt that i have no knowledge of. I sent AWA Collections a debt validation letter XX/XX/XXXX asking them for the following : proof that they are licensed to collect debt in the my state, Proof that they have legal right to collect this debt, meaning, they have the proper assignment of debt from the original creditor, a complete payment history, the requirement of which has been established by XXXX XXXX  XXXX, XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX, The agreement that bears the signature of the contract stating I'm the debtor agreeing to pay the creditor, XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ) - Information relating to the purchase of the debt, Provide me a breakdown of fees including how they calculated what they claim I owe. AWA Collections has yet to send me any of the items mentioned, yet on XX/XX/XXXX AWA Collections sent me what they say is a " Ledger History '' ( see attachment ). this is not sufficient validation. I do not owe this debt. This debt is deficient of physical verifiable validation. They are reporting this debt to all three credit bureaus which is hurting my reputation. If AWA Collections does not have this collection account removed from my all three of my credit reports i will file litigation against AWA for violation of the FDCPA, file compliant with the Attorney General of my state, and file compliant with the XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
We have ( had ) our mortgage with LoanCare LLC aka XXXX XXXX XXXX. We paid off our mortgage on XX/XX/2021. I have been trying to contact someone at LoanCare for several months, first to find out about refinancing, then to get our payoff amount, and finally to find out about when we will receive our escrow refund. 

I have called the customer service numbers but all of them send you to an automated system that does not let you talk to a person. I tried contacting them through their website but no one ever responds. 

I believe they are a fraudulent company at this point and there are numerous complaints about them throughout the internet. They owe me money and I want it now.

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 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MI

Complaint narrative:
All my words were erased. Im overwhelmed. My identity was compromised by Retrival-Masters Creditors Bureau , Inc. 
America Medical Collection Agency XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX. Notified me my social security and medical information was breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
XXXX turned account over to collection with providing final accounting. I have contacted collection agency who provided a summarized bill that reflects balance due on each device with out credit for returned devices. I have subsequently verified with XXXX devices were received on XX/XX/2020, however no credits have been replied to reflect the return of device, therefore the wrong balance due is being provided.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I don't recognize this agency i don't have any contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I had a American Express Card with a Credit limit of {$10000.00}. I had an excellent history with them, never missed a payment. Although I have not used their card not as much as I use my other card because of their high interest rate but it was helping me in a great deals to maintain my low ratio of my overall credit use. Instead of luring me use their card they have unfairly closed the account and this will tremendously effect credit use ratio. I this case I want Amex to reopen my account with same status before closing,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
I USE A FDIC, VISA- DEBIT BANK CARD THROUGH AN APP CALLED " CURRENT ''. YESTERDAY AT XXXX XXXX I RECIEVED A CALL FROM CURRENT, SAYING THAT THERE WAS A PENDING TRANSACTION FROM A XXXX  IN TEXAS, FOR THE AMOUNT OF {$72.00} AND THEY NEEDED TO CONFIRM IT WAS ME OR NOT. I DID NOT GIVE OUT ANY ACCOUNT INFORMATION, ONLY VERIFIED THAT MY PHONE NUMBER WAS ATTACHED TO THAT ACCOUNT THROUGH A VERIFICATION CODE. NEXT THING I KNOW, MY ENTIRE SAVINGS ACCOUNT WAS DRAINED ( {$3200.00} ) AND SENT TO ANOTHER CURRENT ACCOUNT TO A WOMAN NAMED " XXXX XXXX '' ( WHICH IM PRETTY SURE IS A FAKE NAME/ACCOUNT ). THE RECIEPT NUMBER FOR THAT TRANSACTION IS : " XXXX " I IMMIEDIATLY TRIED TO CONTACT THE COMPANY CURRENT ABOUT THIS FRAUD- WHICH ONLY ALLOWS YOU TO CONTACT THEM THROUGH THERE APP XXXX XXXX- AND EMAIL. I DID EACH OF THOSE TWICE, AND WAS SENT BACK {$1000.00} BUT I WAS TOLD THEY MADE THEIR DECISION AND CAN NOT HELP ME. I DONT UNDERSTAND WHY THEY SEND ME SOME, BUT NOT ALL OF WHAT WAS TAKEN FROM ME. I CONTINUE TO EMAIL THEM PLEADING TO INVESTIGATE IT WITH NO AVAIL. I HAVE FILED A POLICE REPORT WITH THE TOWN OF XXXX XXXX XXXX  ( WHERE I LIVE ) WITH AN OFFICER XXXX. 

( POLICE REPORT NUMBER IS : # XXXX ) I HAVE CONTACTED XXXX XXXX XXXX XXXX, ( THE BANK THAT CURRENT HANDLES TRANSACTIONS THROUGH ) AND THEY TELL ME THEY CAN NOT HELP ME BECAUSE ITS A 3RD PARTY COMPANY- AND TO CONTACT THEM ABOUT IT. I HAVE TRIED OVER AND OVER AGAIN TO GET CURRENT TO HELP ME- BUT THEY REFUSE. 

TO SOME PEOPLE {$3200.00} IS NOT ALOT OF MONEY, BUT TO ME IT IS. I WORKED HARD FOR THAT MONEY AND I AM SICK OVER THIS. PLEASE PLEASE HELP ME. MANY THANKS AND PLEASE LET ME KNOW. THANK YOU.. 

-XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Someone opened a target Credit card in my name i did not authorize this card to be opened, i tried calling TD Bank who is the orginal bank that opened the account and they can not resolve this they don't know who to send me to and it goes round and round with no resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
Good Morning I have a problem with two different companies the first one is : Source Receivables Management collecting for XXXX XXXX XXXX, I went bankrupt in XXXX of 2019 and XXXX was added into the bankruptcy they were notified as well then just recently XXXX bought the debt from XXXX and is listing it on my credit report as opened 3 months ago and that is false, XXXX was opened many years ago and discharged in the 2019 bankruptcy and they are illegally trying to collect money and ruin my credit score. please help I have reached out to them and have not succeeded in a resolution. 

Second one is XXXX XXXX Bank a credit card was taken out in my name i don't know by who and i have called them repeatedly to notify them that i did not take out any XXXX credit card and they are reporting this debt on my credit report. I called and i keep getting some rep from overseas that doesn't know how to help me. I have called XXXX bank and they send me to all different departments and this still hasn't been resolved, its very frustrating can you help? If so please contact me at XXXX XXXX I apprecaite anything you can do Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I was tripled charged when trying to deposit only {$2500.00}. Had to call my bank to cancel the extra two charges to not be overdrafted. Now my account is lucked and so are all my funds on Coinbase. 

Issues were with extra charges. 
deposit # : XXXX deposit # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a purchase through a company called XXXX. They sent me a product that wasn't as described in color or quality. I called them the same hour I received the product. They company kept asking for explanations I'd already sent and photos I'd already sent. I contacted them by e-mail, via review of the product on their website, and via text. They refused to send the return label or even provide a return address. 

I called Capital One to credit my card. Capital One removed the charge on XX/XX/2021 and then rebilled it on XX/XX/2021. I can not seem to get Capital One to explain. Nor do they have a way for you to write -- so you can skip the " He said / She said '' nonsense. 

XXXX is behaving in a fraudulent way. I had to write and call them numerous times and they refused to send me a return label. They didn't sent one until Capital One took their money. ( The shipping label with tracking number they finally sent is attached ) And then Capital One gave them back their money when the company lied and said I refused to send their wig back. 

Please find what I have in my e-mails to XXXX attached. I can also try and send screenshots from my phone texts where XXXX ALSO claimed ignorance of my multiple requests for a return label if necessary.

Company response to consumer: Closed with explanation