vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I sent my friend {$100.00} on Venmo on XX/XX/21. After I already made the transaction, he told me his account was " suspended '' by Venmo. However, Venmo still let the transaction go through and when I asked Venmo what happened, they said the {$100.00} is in my friend 's Venmo balance. However, he has a {$0.00} in his Venmo account ( and showed me proof ) so it appears Venmo has stolen {$100.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: PA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I dear have pay the debt I have a email all provide I have call the debt collector company but they dont take off, still show in my report. 

I already paid the academy the contract is no longer with the collection company and they continue to leave it in the report, I've already called the collection company several times, the academy has already sent me an email to the collection company that has been paid and has already sent it to collection company also plus the nap collection company removes from my report, I send all the prints I have. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

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 2021-09-07 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: FL

Complaint narrative:
Equifax fraudulently added things to my report without my prior written consent .I demand to see the written consent that I gave equifax to report the listed inquiries on my report .no consent is identity theft .You are in violation of my right to privacy and are in violation of fraud for fraudulently reporting the following things on my consumer report without my written consent .I demand to see written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: IL

Complaint narrative:
Transunion is reporting unverified inaccurate bankruptcy on my credit report claiming the information was verified by data furnisher XXXX. So I went to XXXX directly to verify and as a result of there investigation, they are not showing any bankruptcy in there files. I sent the results of the investigation to Transunion on numerous occasions and they responded XXXX file # XXXX verified as accurate. How can Transunion verify information that does not exist in the data furnisher files, letters enclosed. Transunion seems to not be verifying the letters sent or totally ignoring my request to delete the unverified bankruptcy from my report by just sending a computer generated response.

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 2021-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have two inquires on my credit report I didn't authorize was a victim of fraud in the month of XXXX my purse and cell phone was stolen their was inquires from XXXX XXXX  and XXXX XXXX I never applied for on trans union and XXXX and 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 2021-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MIDFIRST BANK
State: LA

Complaint narrative:
XXXX is an extremely poorly run online bank. Their desktop website does not allow me to log in on any of 3 browsers I tried, and the mobile app is nonfunctional as well, and its Plaid integration fails to allow me to connect any external accounts I have. My money is stuck in my account, and I just found out over the phone with support staff that they disabled transfers out of the bank. They are trying to instruct me to enable them, but have limited knowledge of their app UI or how I can do that. Extremely frustrated that my money is stuck with XXXX. They were unable to locate records of any of my transfers out. They should be shut down until Midland can figure out how to create an app that works.

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 2021-09-07 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: CA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no 3rd party involved. I have XXXX, XXXX, and Equifax violating me under the FCRA. 
The first violation is under 15 USC 1681b Permissible purposes of consumer reports. Here you can see that under that statute any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I NEVER GAVE THEM ANY WRITTEN INSTRUCTION TO REPORT ANYTHING ON MY CONSUMER REPORT.

The second is 15 USC 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. EVERY ACCOUNT ON MY REPORT IS AN EXTENSION OF CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I opened a bank account at suntrust. They decided to close my account with no valid reason I had XXXX dollars in it. And claimed it was fraud.

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 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
My mortgage was opened in XXXX with a maturity date of XXXX. Over the years I have refinance and also did a modification in XXXX but in all instance my maturity date remained XX/XX/XXXX. In XXXX I requested a 2nd modification, it was approved. I was excited to get the modification because I needed the assistance so I signed it, I did not realize it was a balloon payment with a new maturity date of XX/XX/XXXX. 
I found out about the balloon payment over the summer of XXXX. I was told I could complete a mortgage assistance request which I did but it was denied..reason my mortgage was current and affordable. I was then told I can refinance, I tried refinancing with the same lender PHH I was told everything looked good and the next step would be my closing, after not hearing anything I reach out and was told I was denied because in XXXX I became ill and my mortgage payment fell 2 months behind. 
I reached out to XXXX XXXX XXXX for assistance, we contacted the lender together and after 2 hours on the phone with the escalation department ( spoke to : XXXX # XXXX ) and the modification department ( spoke to XXXX ) I was told my only option was to do another mortgage assistance request or find another lender to refinance. 
While we were on the phone an attempt was made by XXXX to set an appointment with my relationship manager. XXXX stated there was a flag on my account indicating no appointment can be set up with my relationship manager and also that she was not authorize to reach out to a supervisor. 
I completed another mortgage assistance phone intake today XX/XX/XXXX, I was told in 5 days I will get something in the mail me letting me know my options. 
My balloon payment is due in less than 30 days amount of {$380000.00}, this is impossible for me to pay and PHH shuts me down with every request I made to resolve the situation. My only request to PHH is to put my maturity date back to XXXX. 

I have included the XXXX modification agreement showing the change in maturity date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I paid my low balance XX/XX/2021 under {$200.00} and had remaining credit available on my account, when I tried to use the credit available they closed my account without any notification is account was paid on time.

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 2021-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
im seeing several credit card accounts that im unaware of on my credit report under my fathers name & not my name. & also the address was wrong. i currently trying to dispute these inquiries because it was not from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Patenaude & Felix A Professional Corporation
State: VA

Complaint narrative:
I received a letter in the mail about a company threatening to garnish my pay check from my employer. The name of the company is National Collegiate Loan Trust. I have no knowledge or history working with this company whatsoever! The garnishment summons I received states that a judgment was issued against me on XX/XX/XXXX. I never received any notice at my home address regarding this company or this matter until I received the garnishment summons! The address that a court summons was sent to was an address I lived at XXXX prior to XXXX. I left that address in XXXX. I find it amazing that the only document that I received regarding this matter that made it to my mailbox is this garnishment summons. I am almost certain any other correspondence went to an old address and the only reason this made it to me is because they have contacted my employer. I know this because the garnishment summons has all of the information needed for the United States Postal Service. Again, I have never heard of this company and never did business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bepensa Capital, Inc.
State: PA

Complaint narrative:
I XXXX XXXX XXXX settled a debt with Creditoreal & Creditoreal is submitting derogatory remarks to the three credit bureaus for an account that has been paid - repeated emails and calls

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On aprox XXXX XX/XX/2021 i was scammed out of XXXX on my Coinbase account,,, on that date i seeked help on Coinbase support page and a box came up they said they was Coinbase support, ,keep in mind this happened on Coinbase support line. Anyhow it was a first time to contact Coinbase so i didnt know how it worked they have no phone just the support line which i was using,,, i wanted to know if i could change a withdraw i just made. They said yes so i went thru the process yes i gave my password but i question it, they said they are Coinbase and if i wanted the help i needed to do so they also said i was typing the password into a bot which no human can see. After that my account was froze and over a 3 day period withdrew XXXX out of my account.I contacted Coinbase after may times and no help... Like i said they have no phone, the only thing they have for customers is a support line which is what i got scammed on. i can prove this as i took parts of their scam i took screen shots, Also after i was scammed they added support to the support line meaning now you need to submit a code from your e mail to send a support question. If that was in place i never would of got scammed,,, they also added a somewhat phone support meaning you apply for a card from Coinbase and when you get the card you can call them now,, which if that was in place i wouldnt of got scammed i would have called first. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX , who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
I am trying to payoff my existing mortgage with Community Loan servicing. On the payout form they have charged an additional four and three eighths percent or {$980.00} to my principle balance. this represents a full years interest on the existing loan. There is no explanation " includes 2nd UPB ( {$0.00} ) and " interest at 4.375 %. Can they do this? Have I any recourse? Thank you in advance for any advice you can offer. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: TN

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: PA

Complaint narrative:
I submitted disputes as well as an FTC report for this fraudulent account. 

- XXXX XXXX ( listed on Experian, XXXX, and 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 2021-09-07 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: PA

Complaint narrative:
I submitted disputes as well as an FTC report for this fraudulent account. 

- XXXX XXXX ( listed on XXXX, Transunion, and 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 2021-09-07 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 submitted disputes as well as an FTC report for this fraudulent account. 

- XXXX XXXX ( listed on XXXX, XXXX, and Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
In mid XX/XX/2021, I attempted to send money thru Early Warning, LLCs Zelle inter-bank transfer vehicle to pay for a service. I was told the transaction was blocked. Upon further inquiry with my Bank ( XXXX XXXX XXXX XXXX ) it was revealed that a previous remittance to my niece had been flagged as association with fraudulent activity or organization, and as such anyone connected to the individual had been permanently blocked from using the service. I asked my wife to use our other bank ( XXXX ), to complete the transaction. She was also blocked because she is associated with me. 

All this, without any explanation from Early Warning, LLC or recourse to clear my name. My bank said the offense was so egregious, that they couldnt help me and that I should find other money transfer organizations to work with. This practice is not only inconvenience but humiliating to an honorable consumer. As a former XXXX XXXX XXXX, it is plain embarrassing. It is also irresponsible for EW and Zelle to be a public entity and yet behave in this cloaked operation. I request a direct explanation and also be given the opportunity to clear my good name. 
XXXX XXXX XXXX XXXX XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2021 I sent a letter to Portofolio Recovery Associates letting them know that the statue of limitation has past on account # XXXX and that I do not want to be contacted no more about this debt I will attach this letter that I sent to this dispute. My dispute is because Portfolio Recovery Associates has ignore my letter and break federal law and violate my rights under the FCDPA by sending me unrequested letters of validation every other week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Google Compare Credit Cards Inc.
State: KS

Complaint narrative:
I submitted multiple claims about multiple {$0.00} unauthorized charges to my card by Google on XXXX. I was told they researched and decided that there was nothing wrong. Then over the weekend I received 16 more charges of {$0.00} to the same card by the same " person '' at the same company so I've submitted unauthorized charge inquiries in regards to the charges and it is pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

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