vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 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: TN

Complaint narrative:
On XX/XX/2020, I 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 for my disputes and concerns.

Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. 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 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
While viewing my credit report and alerts. I observed several hard inquiries on my credit report that was not authorized or consented by me. I am requesting for the hard inquiries stated below to be removed from my credit file as this is damaging my credit score. I did not authorized this and have been a previous victim of fraud/ fraudulent account opening. 

Experian The following inquiries below were not authorized or consented by me and are fraudulent XXXX XX/XX/XXXX XXXX  Card- XX/XX/XXXX XXXX/ XXXX  XXXX- XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Venmo has frozen my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: CA

Complaint narrative:
On XX/XX/XXXX and XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that 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 the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
Company : Army & Air Force Exchange Service, Collections Department. 
XXXX XXXX  XXXX XXXX TX XXXX Since 2020, the Army & Air Force Exchange Collections Department has been intercepting via my Social Security payment {$180.00} each month to repay a credit card debt. The problem however is that they are only crediting my account {$170.00} each month in the reduction of the debt. They claim that the {$14.00} diffence is for fee 's that they are entitled to however on their statement that they issue, they only report that they've received {$170.00} ( total ) in monies received from the Treasury department and on their statement they do not report ANY fee 's being charged. 

They do not report the {$180.00} that they receive that the U.S. Department of Treasury reports they send each month. I have contacted them and they have not offered ANY explaination other than they are allowed to charge fee 's but when I question why isn't there any fee 's listed on their statement they send out to me and why do they report that they've only received {$170.00} instead of what the Treasury department reports that they send to them each month which is {$180.00} they hang up in my face. 

I suspect they are skimming a small amount of money each month and committing fraud by not reporting accurate amounts of money received nor are they listing fee 's that they claim they are charging on their financial statement ( as a matter of fact ), they list {$0.00} in fee 's collected on their financial statement they send out to debtors. 

In addition, they purposely do not report monies received to the all 3 credit bureaus XXXX, XXXX  and XXXX  but indicate it in the comment field that a payment was received so the credit agencies do not reflect actual payment received which directly impacts one 's credit score. They are required to enter payments received in on the credit bureaus " payment 's received '' section, but only do so in the " comments '' section which they know will detract from your credit score. It's their way of intentionally manipulating the situation in a deceitful manner so your credit score will not reflect payment so your score receives no benefit or reflection of payments being made to satisfy the debt. ( which impacts your credit score ) I would like this to be investigated because I don't think that's legal. The Army & Air Force Exchange Collections Department I believe has been sub-contracted out to another company who is not ethical nor professional in the collection of debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Law Office of Linda Strumpf
State: TN

Complaint narrative:
Its complicated. XXXX XXXX Illegal debt collect. XXXX car was voluntarily surrendered. First I knew about was XXXX. She falsified papers n show judge she served me in XXXX. In my old address. No one had been at the residence she claims she served me. The house had been boarded up for years. Now XXXX I get handed my first any only paperwork from her. This lady is know for illegal debt collections. She been fined umpteen times by gov n also sue. Ive been on XXXX  XXXX since XXXX. Now she wants XXXX I need help. These lady is going to put me in a grave. PleSe Im looking for a defense attorney to go after her XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a CareCredit card obtained in XX/XX/XXXX to pay for vet bills associated with the death of my XXXX Animal. Today, XXXX XX/XX/XXXX, Synchrony Bank ( issuer ) contacted by me by phone and requested three months payment ( nearly {$200.00} ). I have been using their app, at their insistance, to make payments. The app failing to process payments has been a repeated issue. I informed Synchrony of these issues in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Synchrony advised they have no record of such reports and there is no note about such on my account. I have previously requested paper statements and Synchrony has refused, insisting I use the app. Synchrony acknowledged last verbal contanct was XX/XX/XXXX, but denies any notation regarding problems with the app or requests for paper statements. Prior to this call I had no notice that anything was amiss. I requested a supervisor not less than 8 times during this call before I was transferred to someone who was not a supervisor. I advised both representatives that I would be filing a complaint. I have not made payment on this request and consider it to be in dispute ; I do not have a valid snail mail address for either CareCredit or Synchony and all contact has been electronic or telephonic. 

Attached screenshot of incomming call log showing today 's call as well as calls in XX/XX/XXXX and XX/XX/XXXX. I called them ( outgoing ) XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
The transaction was dated XX/XX/2021 it was a purchase that i made for a bag i bought thru XXXX  XXXX  since there was no purchase protection on it the seller wanted to use paypal since it has purchase protection. When i finally paid it online it finally paid it online it did not appear to be payment to friends and family which paypal says thats what i did! Two weeks later i got something in my mail it was a card from the seller that say thank you thats when i realized i got conned, i was mad i called the same day and reported it to paypal and filed a complaint that theres nothing they could do as they already gave the money to the seller same with XXXX the card that i used to pay on paypal they closed my case saying that paypal provided a tracking number proved that the seller sent an item which 3 months later i still haven't got anything except fir the thank you card. I need help getting my money back! Thank you in advance..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: MA

Complaint narrative:
Fraud on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The following inquiries listed on my credit file that was observed by me were not authorized/ consented and are fraudulent. Below are the listed Hard Inquiries that are on my Equifax credit report. I am requesting for deletion of these fraudulent unauthorized inquiries. 

Equifax XXXX XX/XX/2021 XXXX XXXX- XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: PA

Complaint narrative:
I recently asked credit bureau for investigation credit file and they claim it wasn't ever filed I have proof that I submitted certified mail I also got proof I sent numerous disputes for 2 month straight. I consulted a lawyer and this is my final step before I file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I was issued a Visa prepaid card from PNC Bank on XX/XX/XXXX for {$200.00}. The expiration date on the card is XX/XX/XXXX. Before I could use it, on XX/XX/XXXX they closed the account and charged the {$200.00} in fees as an administrative adjustment. I called them multiple times after trying to use the card and was told there was nothing they could do and I was out of luck. They told me to refer to the terms and conditions of the card. I still have the terms and conditions, they state : The Card is valid until the entire value of the Card has been used or until the expiration date on the Card, whichever occurs first. Any funds remaining on the Card do not automatically expire on the date of Card Expiration. 

Seeing as how I didn't have a chance to use the card while it was still valid, I would expected to receive the funds I was issued. They told me they didn't have an address on file to send a check, when in fact they sent out the original card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
On XX/XX/2020 I emailed XXXX XXXX XXXX and his business XXXX XXXX a check in the amount of {$45000.00}. The funds were a loan issued in the form of a check by Navy Federal Credit Union. I was referred to do business with XXXX XXXX and his estabishment by an associate of myself, XXXX XXXX. I verified that XXXX XXXX 's business, XXXX XXXX XXXX 's was a legitimate dealership. This check was to be completed by XXXX XXXX were he would contact Navy Federal Credit Union to obtain Verification Number which they would only release to a verified dealership ; also during XXXX XXXX contacting the dealership he would release to NFCU the vehicle VIN and description. During communicating with XXXX XXXX several times regarding return of funds for not rendering services that he and I agreed upon I had no choice but to proceed with reporting XXXX XXXX and his business for fraudulently misappropriation of funds in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: AL

Complaint narrative:
All 3 credit bureaus have remarks on my report that Ive been 60 days serious deliquincy. I have never been late on any of my accounts in over 5 years. I have tried to dispute this remark with all 3 credit bureaus but have gotten nowhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
All 3 credit bureaus have remarks on my report that Ive been 60 days serious deliquincy. I have never been late on any of my accounts in over 5 years. I have tried to dispute this remark with all 3 credit bureaus but have gotten nowhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: FL

Complaint narrative:
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX CARD that opened last XX/XX/XXXX, XXXX  XXXX  that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX  that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  that opened last XX/XX/XXXX. I also have these inquiries listed on my report XXXX  XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX  XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX with an inquiry date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: AES/PHEAA
State: AZ

Complaint narrative:
I have been working to re-instate my student loan payments since XX/XX/XXXX because in order to qualify for a mortgage loan, my credit report needs to show my actual payments under the income-based repayment plan versus a XXXX  balance that was implemented with the COVID forbearance. I did get my payment plan re-instated in XX/XX/XXXX and made both XXXX and XX/XX/XXXX payments on-time and in full on the designated due date. My credit report has not been updated since XXXX and does not reflect my actual payment amount or the XXXX payment which should have been updated by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: TN

Complaint narrative:
On XX/XX/2020, I 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 for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. 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 2021-03-24 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: FL

Complaint narrative:
While viewing my credit report and alerts. I observed several hard inquiries on my credit report that was not authorized or consented by me. I am requesting for the hard inquiries stated below to be removed from my credit file as this is damaging my credit score. I did not authorized this.

Transunion The following inquiries below were not authorized or consented by me. 

XXXX XXXX XXXX- XX/XX/2021 XXXX XXXX  : XX/XX/2021 XXXX  XXXX- XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX/ XXXX- XX/XX/2021 XXXX  XXXX- XX/XX/2021 XXXX XXXX- XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX my Capital One account was flagged for suspicious activity because my life partner, who has been sending money to this account for the entire year prior, sent me {$1000.00} for rent. 

His account, which is not attached to mine in any way, was closed due to him receiving a cashiers check and the person then claiming they never gave it to him ( even though it had all his information printed on it, along with multiple communications with the person provided to Capital One.

Capital One has refused to speak to him after months now regarding his issue. 

Capital One is now refusing to release the funds in my checking account, in the amount of {$81.00}, due to him having sent me funds back in XXXX from his now closed Capital One account. They are stating my account is being investigated for fraud because its linked to his account, which again it is not. 

The only response I can get from speaking to Capital One is that the matter is being looked into. The representative in the fraud department, XXXX, kept repeating over and over " the investigator is looking into it. '' I believe someone from the Federal Governement needs to " look into '' Capital One and their fraud department processes.

Company response to consumer: Closed with explanation