vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 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: LA

Complaint narrative:
Hi my name is XXXX XXXX and I recently reached out to XXXX and Equifax to remove some Unauthorized inquiries. I hadn't checked my credit report in months and was shocked to see so many unauthorized inquiries. I suspect a family member may be behind this. 

Attached below are copies of my identification documents and identity theft reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report. The following items were cause by 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 explanation
Consumer complaint received 2021-10-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report. The following items were cause by fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/21 I deposited 3 money orders ( guaranteed funds ) to cover a payment that is coming out of my account by my apartments. At no time was I told via the mobile deposit ( which I was forced to do, do to USAA 's remoteness of deposit taking atm 's ) that there would be a hold placed on my deposit. When I called and spoke to a representative and explained the circumstance I was told there was nothing they would do. I explained the peril of XXXX and the ease USAA could take to verify the funds and offered to provide a copy of the money order receipt was still told " to bad so sad '' It seems USAA would rather have a XXXX veteran instead of releasing funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was trying to help out friend sending money through PayPal.This was first time sending money to my friend and the name popped for a person I dont know with similar email I can see if knew the person. I called PayPal less than 5 minutes after the incident and let them know I made a mistake the rep told me that that the customer didnt speak English. I really need the money which put me in a hardship. I am demanding my money be refunded to me or I am going file small claims court.My credit union will not return the money because they said it was a PayPal issue.The email was supposed to be a XXXX and not XXXX.The name pops up which makes it confusing and the system doesnt allow you to manually type in name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I issued a bank of America check number XXXX of XXXX XXXX XXXX XXXX XXXX  XXXX dollars XXXX cent ( {$1600.00} ) with date XX/XX/21 to XXXX XXXX for my XXXX mortgage payment knowing fully well that my salary enters the account unfailingly by XX/XX/21. 
To my greatest surprise Bank of America charged my account returned item fee of {$35.00} on XX/XX/21 for a check dated XX/XX/21. On XX/XX/21 deposit of {$2500.00} was made into my account and the {$1600.00} was payed to XXXX XXXX, i called Bank of America customer care twice and all efforts made to make them refund my {$35.00} were abortive hence this complain. 
To the best of my knowledge a check is not surpose to be honored before the date on it. XXXX XXXX should charge me late fee if the check if dishonored for lack of fund. kindly use your good office to fix it

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 2021-10-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Monday XX/XX/XXXX around XXXX EST someone called me and began asking me questions about my personal information. I didn't know what company he was from and when I asked why he was asking these questions he stated this is about a debt to Check n Go, they are going to sue me and garnish my wages and that his job was to collect {$700.00} from me. I asked what company as I didn't remember dealing with Check n Go he said it was for a loan in XXXX. I asked for a phone number of the company and he said to XXXX their number because he couldn't give it to me. He then said if I don't contact him in 48 hours they will file a lawsuit and then garnish my wages, told me that Check n Go knows my employer and said they will contact my employer for the wage garnishment. I told him again I don't remember this company, I've never gotten a written notice as I don't live in the state of California and I've never gotten an email or anything stating this. I hung up after as I wanted to try and validate the debt. Searched online and found no working numbers. Called the company back talked to someone else who never gave me his name and the guy gave me the phone number. Called Check n go and they said I owed a debt for {$250.00} not {$700.00} from XXXX and I asked if I could verify the loan but check n go stated that I'd have to call XXXX XXXX XXXX at XXXX. I XXXX that company and filed a XXXX complaint. I would like a validation letter with my original signature along with the amount I owe nothing was offered when. I questioned the debt and the first guy I spoke with just kept threatening me so I do not feel comfortable calling them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
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 2021-10-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2021-10-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
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 non-monetary relief
Consumer complaint received 2021-10-05 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 — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I have been disputing with Early Warning Services since XX/XX/2021, they furnish information about me that is inaccurate and unfair and violates 15 USC 1681. They have re-investigated and claim that they have validated the debt but they have failed to send me proof of the re-investigation procedures and according to 15 USC 1692, they do not even have the power to validate a debt. I have suffered from the information they hold against me and can't open bank accounts and the one account I was able to open was frozen along with money that I deposited into the account. They also have violated 15 USC 1692 ( k ) and owe {$1000.00} per violation. They have violated 15 USC 1601 ( I ) because they committed fraud, they furnish a deceptive form to create a false belief about me. They also didn't complete the first investigation I did in XX/XX/2021 in a timely manner of 30 days and refused to delete the false, inaccurate, and unfair information they furnish from their system. They had a manager contact me and apologize for them not doing their job but never fixed the problem. They don't send any of the proofs that constitute validation of a debt according to 15 USC 1692 and therefore I want them to delete the information they furnish and compensate me for the obvious disregard to United States federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
From XXXX XXXX XX/XX/XXXX i sent XXXX via Wells Fargo payments to a person who claimed to be looking for a roommate. I sent money to them under the impression i would be living there aswell. As soon as they recieved the full amount of money they didn't not give me a key to the place and refused me entering the property. There were multiple people involved in this scam. They also refused to give any of the funds back. I sent a total of XXXX to this person. Another company who has also been made aware of the issue is XXXX XXXX XXXX XXXX since they added my name to a rental agreement as an occupant even though i didn't not live there nor signed any official documents. They just accepted the payment. 


XXXX XXXX XXXX XXXX only agreed to removing my name.from the rental agreement Wells Fargo has offered to investigate these transactions and filed a claim

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 2021-10-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There are 16 hard inquiries from the months of XXXX thru XXXX that were a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2x ) XXXX XXXX ( 2x ) XXXX XXXX ( 2x ) XXXX XXXX XXXX XXXX/XXXX XXXX XXXX ( 2x ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  US SM BUS ADMIN ODA Those companies listed above have placed the hard inquiries on my report as well as Bank of America and XXXX XXXX reporting accounts that do not belong to me XXXX I want them removed 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 2021-10-05 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: Receivables Performance Management, LLC
State: FL

Complaint narrative:
Att Fraud Collection To whom it may concern, This is a reoccurring issue I have been having. I have already had this removed from my credit report twice, yet it continues to be fraudulently sold as a valid collection account. How this happens is beyond me. I had several issues with XXXX XXXX XXXX towards the end of XXXX and chose to terminate my account of more than 20 years. Before termination I was given a credit. XXXX XXXX XXXX then rescinded that credit and I filed numerous complaints with XXXX, FTC, Florida Attorney General and Consumer Affairs. After filing those complaints, I was put in touch with XXXX XXXX out of the XXXX XXXX XXXX Office of the President. He investigated the situation and reinstated the credit. This took care of my remaining balance, and actually left me with a {$12.00} credit that XXXX XXXX XXXX sent me via check in XXXX of XXXX. I still have said check. 

The continued attempts of collection concerning this account are invalid and fraudulent. I have once again filed complaints with the above mentioned consumer agencies as a new company, Receivables Performance Management has refused to remove this from my credit reports. I will continue to file disputes with XXXX, XXXX and XXXX concerning this, and have supplied them with the communications I had with XXXX XXXX, as well as the case numbers assigned to me via each agency I filed with. I can supply you with those same communications and my new case numbers for the complaints I have filed against Receivables Performance Management for invalid and fraudulent collection activity and for refusing to remove this from my credit report. 

Thank you, XXXX 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 2021-10-05 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 — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal is withholding {$190.00} that were meant to be used as payment for a service. PayPal has not transferred the funds to the owed party and is withholding the funds. PayPal is NOT owed any funds or money from this transaction. PayPal is NOT entitled to any money from the transaction and should release the funds IMMEDIATELY.

The Amount owed by PayPal is {$190.00}.

The Amount pulled from my Credit Card is {$190.00}.

When contacted, PayPal stated " They can not provide a refund for the funds ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: IA

Complaint narrative:
On XX/XX/2021 I sent a letter to ABILITY RECOVERY SERVICES. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

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 2021-10-05 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
XXXX XXXX issued us the same tickets XXXX  XXXX. 
Chase Claim ID : XXXX We bought air tickets round trip on XX/XX/2021 Tickets Total amount= {$2600.00} Original Tickets attached. 

Charged again on XX/XX/2021 {$3000.00} During travel back, due to technical issues with XXXX check in, our XXXX  was not opening up. They denied check-in and boarding. Me travelling with spouse and with XXXX kids ( XXXX yrs infant and XXXX yrs old ). 
Since i had to report for urgent meetings and office work and kids vaccinations, schooling etc, we had to travel back. We requested a lot to officials and no body helped. We were forced to buy tickets as there was NO ALTERNATIVE but to pay. 

Discussed with CHASE and XXXX XXXX. 
No response from merchant when tried to discuss with customer service. 
Chase team asked to talk to merchant. 

Appreciate, if team can understand the hassle fighting for the concern from last 6 months, XXXX bad and dis-respectful behavior with my wife, XXXX pathetic customer support, CHASE not helping us and understanding the concern and charging interest fee. 
We feel stranded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: IA

Complaint narrative:
On XX/XX/2021 I sent a letter to COMMONWEALTH FINANCIAL. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I've been trying to close my account with BBVA for weeks after they announced their new predatory fee models. They disabled their support system entirely and are unreachable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I'm sorry for going this route. I am very appreciative of your time during the current uncertainty in the world, and I'm in no way complaining of the wait time. It is completely understandable and expected. I have a student loan that have been reporting on my credit for late, I did not receive a call or anything in the mail about my student loans coming up for payment especially with the current COVID relief for student.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: MN

Complaint narrative:
I just complained about XXXX and they gave me 54 points back on XX/XX/XXXX. As of today XX/XX/XXXX its -47 points again. I dont understand why and how they can take so many points away when all been doing is complaining about my old student loans. This is so unfair to be treated this way. This is so cruel and evil of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a XXXX message that the buyer ( scammer ) would buy my wedding dress on XXXX XXXX. She said she already sent me {$450.00} ( item amount ) to paypal on holding. On that night, I got message that I need to upgrade to business account and called me to asked buyer to send {$500.00} and refund her through XXXX pay. The next morning XX/XX/XXXX, she said that she accidentally sent twice, so {$1000.00}. So I need to refund total {$1000.00} to her and she already sent total {$1400.00} in paypal account. Afterward, I found that the Paypal confirmation email is fake and her shipping address is fake. She didn't give the transaction ID on paypal to track and the Real Paypal said I didn't have the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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 and XX/XX/2021 I sent some letters regarding inaccurates and unknown things on my credit report. this is over 30 days I have not received a response yet they not follow the guidelines I feel being ignored by my disputes. section 611 ( a ). it is plainly stated that failure to investigate these items from my credit report. it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately OR I will file for ligations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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:
XXXX, Equifax, and the XXXX XXXX XXXX is reporting inaccurate information on my consumer report and they refuse to remove the inaccurate information which is a violation of the FCRA. They are reporting account XXXX XXXX XXXX on my consumer report and i have no knowledge of this account. I've sent numerous letters to XXXX and Equifax asking them to remove the account, but they keep stating the account has been verified without sending me any information on how and who verified this account. If this account is not remove immeditely i will be forced to file litigation against all 3 companies. Also As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to PRIVACY. They have violated my privacy which can be considered identity theft. They do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports.

Company response to consumer: Closed with explanation