vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 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: Block, Inc.
State: TX

Complaint narrative:
I bought a mattress using and XXXX card, XXXX said the payment method was declined and charged $ XXXX to that card. I had to provide a different credit card ( XXXX ) with XXXX to conplete my purchase. Ive been trying to contact XXXX to help me fix this issue and reimburse me the $ XXXX I already paid them but havent been able to talk to them or find a solution. I have the photos showing the card not getting charged. My next installment is coming and Im getting worried I wont have a answer nor solution before the payment date. Theres no way to contact customer support besides the chat feature but they do not reply. 
I have a second dispute open for an order of XXXX that got canceled and XXXX wont refund me the money back to my XXXX account. Its amazing how theres no one from XXXX you can talk to. Customer service is inefficient and not helpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ULRS, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against United Legal Group & Credit Collection Bureau for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until United Legal Group & Credit Collection Bureau, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and United Legal Group & Credit Collection Bureau, continues its collection efforts, I will file for litigation for actual damages caused and United Legal Group & Credit Collection Bureau, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: MI

Complaint narrative:
This predatory loan company email on XX/XX/22 repo my car on XX/XX/22 I got no phone calls. The company they had repo my car broke into my car stolen from my car. Cost over XXXX to get my car My second file with you same company. Did the loan at 98 % rate illegal did title loan in Ohio it's illegal in that state. Last time I file many papers were file which deleted the loan. More has been file after the illegal repo. This company illegal pull my credit report to find me. Lie said I apply for a new loan illegal. So many laws has been broken my this predatory company. Has sent me many emails to sign for a new loan. When I last file this company show you a different set of papers of the loan. Pass sick company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for any of these predatory business actions. No one should ever do business with loanmart

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Hello financial regulator, my PayPal account can not be linked to a bank and withdraw cash, please help me!!! 
I have contacted PayPal customer service many times and initiated complaints, but the problem has not been resolved, which has brought great troubles to my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
XXXX XXXX is selling property she owns in XXXX, Virginia. 
A judgment entered on XX/XX/XXXX in the sum of {$1500.00} against XXXX XXXX, in favor of XXXX XXXX XXXX, I XXXX, XXXX HSBC XXXX XXXX XXXX XXXX showed up on a title search. 
We have both been trying for about XXXX weeks to secure a pay off letter to pay off this judgment but have never received a pay off letter. XXXX XXXX and I have spoken to representatives at HSBC over XXXX times and sometimes they say they will fax the pay off letter and sometimes they tell her it is in a research department. We have also tried to secure a pay off letter from XXXX XXXX XXXX as well. 
It has been well over a month and we have not been able to secure a pay off letter to pay off this judgment. We are seeking a pay off letter good thru XX/XX/XXXX. 

I am sending you a copy of the judgment and client authorization. The judgment, authorization and request for pay off has been faxed to HSBC as well numerous calls have been made, all in an effort to secure a pay off letter. 

thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: FL

Complaint narrative:
I have sent this account in multiple times and nothing has been done about it, its reporting errors on my credit report and needs to be deleted this needs to be fixed and my personal information needs to be updated this is affecting 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 non-monetary relief
Consumer complaint received 2022-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
Hello, I received an email from XXXX about a change on my credit file. I logged in and saw that there was an account sent to collections to CREDENCE RESOURCE MANAGEMENT for {$1000.00}. It says it was opened on XX/XX/2022 and that the original creditor is XXXX. 

I have never had an XXXX XXXX XXXX account. I believe someone stole my identity and opened this line of credit using it. I have spoken with XXXX and initiated an identity theft dispute and am awaiting review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06 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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-12-06 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: NJ

Complaint narrative:
I have attached to this document the proof of my previous complaints to the CFPB that have been ignored. 

XXXX. XXXX XXXX reprint of letter dated XX/XX/2020 stating that my account was closed and they were unable to verify personal information on my account. " we will report to the credit bureaus that the account was closed by grantor ''. 

XXXX. The XXXX account should not be reflected as late as it should not be reporting due to the blatant errors in metro 2 compliance for this account. This has been requested to be corrected via the phone and the mail, and uploading documents. No positive, proper response has been provided as of yet from experian. This account should be deleted by law.

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 2022-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: VA

Complaint narrative:
RMP SERVICES LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) has been FRAUDULENTLY reporting on my credit report and I have sent them correspondence about it. They are just reporting unlawfully without bonafide proof. I have no agreements or contracts with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Company keep sending letters about a fraudulent account to my neighbor adddress to XXXX XXXX XXXX XXXX and wont stop sending letters and he filed a complaint with XXXX and they are still sending letters to him. 

I want all the mail to stop sending to that address It coming from the fraud dept. 

I didnt apply for this metal card from Barclays and they denied my fraud claim and I want all the mail stop I dont live there!!!

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 2022-12-06 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: VA

Complaint narrative:
On XX/XX/2022, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2022, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-12-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX FCRA violations : accounts do not belong to me XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$520.00} written off. 
XXXX Potentially negative Date XXXX XX/XX/XXXX XXXX {$430.00} XXXX Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$470.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Account charged off. {$700.00} written off. {$700.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$20000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$430.00} Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Collection account. {$180.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3800.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9600.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9300.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5100.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7500.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2800.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 

FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX LA XXXX XXXX type Apartment complex XXXX XXXX XXXX  XXXX XXXX XXXX LA XXXX XXXX type XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, LA 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 2022-12-06 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: FL

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-12-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: FL

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-12-06 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: NJ

Complaint narrative:
I have attached to this document the proof of my previous complaints to the CFPB that have been ignored. 

XXXX. XXXX XXXX reprint of letter dated XX/XX/2020 stating that my account was closed and they were unable to verify personal information on my account. " we will report to the credit bureaus that the account was closed by grantor ''. 

XXXX. The XXXX account should not be reflected as late as it should not be reporting due to the blatant errors in metro 2 compliance for this account. This has been requested to be corrected via the phone and the mail, and uploading documents. No positive, proper response has been provided as of yet from XXXX. This account should be deleted by law.

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 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/2022 I escalated an issue for filed disputes with my business and personal checking accounts after which I received new debit cards. I have had to file several disputes this year with PNC. A branch representative informed me that there were active debit cards associated with my checking accounts which PNC mailed out after my past disputes were filed we confirmed I never had these cards in my possession. We came to the conclusion that these active cards easily left my accounts/information vulnerable to fraud, and the branch representative deactivated those cards. The most recent dispute for the personal checking account was never resolved, and I received notice that PNC would be closing the account along with the reserve and savings account associated with this checking account in the PNC virtual wallet. The reason for closure is simply PNCs right to review their relationship and make decisions. As discussed, the closure was triggered due to multiple disputes on the accounts. This is unfair, because my accounts/information were compromised for months without and resolution until a branch representative closed the active cards PNC claims to have sent in the mail. Had they been closed already, I would have maintained a relationship with little to no disputes. PNC claims that my business account may be at risk of closure as well.

Company response to consumer: Closed with explanation