vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CO

Complaint narrative:
XX/XX/2021 XXXX XXXX PST XX/XX/2021 XXXX XXXX  XXXX/XXXX  {$450.00} USD After sending the money it reads and i got deducted and then all of a suddenly my transaction is been cancelled and am been refunded back into my account. i contacted remitly agent on phone and they told me it was because I already had two different types of account in my name which was suspended so, That was why my transaction wasn't going through but i should rather contact the Consumer Financial Protection Bureau so that they can assist on my transaction. Well, i used remitly once, but didn't know what happened and my account got blocked and i tried creating a new account and that also got blocked and just recently i decided to create one and speak with their customer care representative on this problem but this transaction not going through is that you guys had to cancelled it so they asked me to contact you for an assistance first and so i need your help on this to make my transaction successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Attempted to remove credit infromation regarding a failed business venture with my personal credit being compromised several times prior. XXXX  claims there is a settlement in the works, but I shouldn't have to wait to settle an issue I've ben having since I began using my credit to attempt to get a car, business loan, and house through XXXX XXXX, XXXX, and XXXX  XXXX XXXX. Feels like discrimination.

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 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Attempted to remove credit infromation regarding a failed business venture with my personal credit being compromised several times prior. XXXX  claims there is a settlement in the works, but I shouldn't have to wait to settle an issue I've ben having since I began using my credit to attempt to get a car, business loan, and house through XXXX XXXX, XXXX, and XXXX  XXXX XXXX. Feels like discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I have an paypal account and I havent used it but twice. XX/XX/2021 I tried to use the app and was told my account was restricted. I have to provide a copy of my ID and Debit Card. After that I was told they were going to close my account because I did something that violated terms. I havent use this service. I have been using XXXX XXXX however a few family members still use paypal. I just want to know what is going on because paypal will not answer when I call regarding my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
In XXXX of 2020, reached a 1 year deferment due to Covid-19 for 1 year ; however mortgage company is reporting to credit agencys that Im in default of mortgage and that there is no pandemic deferment in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I always had problems with this Credit Card, as I always paid on time or before Statement came out, and unbeknownst to me if you pay before Statement comes out, your payment is applied to previous Statement and you would have to pay " AGAIN '' to satisfy the current Statement and since I believed I was paying ahead, I got surprised when I kept seeing " late payment charges '' on next statement. 

I spoke with XXXX on XX/XX/XXXX in Customer Service who credited me {$30.00} late fee, as I had made a payment of {$60.00} on XX/XX/2019 and PAID OFF the account on XX/XX/2019 with a final payment of {$39.00}. 

I moved to a different home and for some reason was not getting my mail, even though I placed a change of address. 

This credit Card company, hit me with late fees, after late fees and when I noticed I had a late payment on my credit report, they told me I owed the money and there was nothing they would do for me. 

I am now upset, that I made ALL my payments as requested and I've had to struggle with this specific credit card Company from the onset and at the end they continued to be deceiving.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: MD

Complaint narrative:
I Talk to XXXX from Trans Union on XX/XX/XXXX XXXX # XXXX And let her know that its some Fraudulent and Authorize Inquiries on my credit report she look into it I gave her all the Inquiries that i did not Authorize So she told me that Inquiries will be remove from Credit Report ( But all the Inquiries are still on my credit report ) I am very Mad that all of the Misleading Information are steel on Credit Report. 




Please Remove Fraudulent and Authorize Misleading Information from my Credit Report Inquiry Details XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/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 2021-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX Billed me. I am a XXXX client. XXXX XXXX ( XXXX  ) response was '' XXXX Response : Thank you for contacting XXXX XXXX customer service. I? m sorry you? re experiencing this billing issue. Please contact the provider? s billing department and inform them that as a member of XXXX/XXXX XXXX you? re not responsible for out-of-pocket expenses per XXXX XXXX XXXX XXXX XXXX XXXX XXXX guidelines and should not be billed. If the provider has any questions about the claim filed, they can contact XXXX XXXX directly. If you continue to receive bills for this appointment, please contact XXXX XXXX XXXX XXXX at XXXX XXXX to file a grievance. Feel free to contact Member Services if you have any additional questions, XXXX XXXX '' I sent this to XXXX XXXX XXXX. Now this bill is on my credit report!! I am stll receiving bills. On the XXXX site XXXX gets an F rating because bills are paid and they still put it on credit report!! XXXX COMPLAINTS-https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX JP Chase Morgan gave many of their customers something they called a Govt Stimulus 30 Day Overdraft assistance. My exact amount on that day was XXXX. This is not something that was requested. when my stimulus check was deposited of XXXX my balance was brought to XXXX. Chase stated they wanted customers to be able to fully access their stimulus check for whatever they need it for. Not thinking that when they came back 30 days later to withdraw the assistance that they so called offered their customers would put them back where they started if not in a worst predicament. Now my account is XXXX overdrawn due to Chase so called assistance. The remaining of my money from my pay check was taken causing further overdraft fees on my account. Chase did refund some of the overdraft fees for the new overdraft on XX/XX/XXXX and XXXX of XXXX which wouldn't had to be done if they never took it upon their selves to come up with their own stimulus assistance. The government gave Americans the stimulus payment for assistance not for our banks to use it to make money off of our time of being in need. I like most live paycheck to paycheck. On XX/XX/XXXX I got a letter in the mail letting me know that the money would be withdrawn from my account which was dated for XX/XX/XXXX. I filed a corporate complaint. There was a voicemail left by a XXXX from the executive office. I returned her call and never heard anything back from her. XXXX left a phone number of XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
I filed a police report, Fraud FTC affidavit and provided a written Fraud statement to XXXX XXXX and the CRAs. Subsequently the CRAs validated my ID Theft and removed my tradelines. XXXX XXXX just attempted to collect on this balance via a notice in the mail which is a violation of FDCPA and FCRA. I do not owe them. This was ID Theft. I plan on taking any necessary action to resolve this as I am being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I filed a police report, Fraud FTC affidavit and provided a written Fraud statement to Capital One and the CRAs. Subsequently the CRAs validated my ID Theft and removed my tradelines. Capital One just attempted to collect on this balance via a notice in the mail which is a violation of FDCPA and FCRA. I do not owe them. This was ID Theft. I plan on taking any necessary action to resolve this as I am being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I called to cancel my service with XXXX in late XXXX XXXX, 2019, because the equipment was not working. They said they would, but I never received a confirmation. When I didn't receive a confirmation, I called again. Again, they said they would cancel my account. But they did not cancel my account. I called a third time, and mailed a letter, to cancel. This was finally acknowledged, and they canceled my account in late XXXX. However, they charged me for XXXX, even though the equipment wasn't working ( and I tried to cancel twice previously ). 

They sent the account to Credence Resource Management , LLC, and I have to continually dispute this debt. 

I sent them the evidence that I sent to XXXX in the mailed letter that finally resulted in them acknowledging my cancelation. 

They keep contacting XXXX, and XXXX says it is a valid debt. It is not a valid debt. They did not honor my cancellation until the 3rd time I contacted them. You can not charge me for what I did not agree to pay for and additionally, when service was not provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26 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: NH

Complaint narrative:
On XX/XX/20 I submitted a payment via Venmo of {$60.00} to an active account for my niece. Shortly thereafter she informed me that her account had recently been hacked and the hacker immediately changed her contact data, and withdrew all of her funds. 

Venmo was unable to assist her because they claimed she could not confirm her identity since the hacker changed the email address and contact data on the account. Due to this she lost the funds tied to it. 

The hacker has left her account active, and the picture the same. However, she has no ability ( per Venmo ) to disable it as they claim she can not confirm her identity ( again due to the hack ). 

They told me the only way to retrieve my money was to have her account holder issue the refund. As you can see where this is going, she no longer has access to the account, and Venmo will not provide her with access. Therefore the money is in the hackers hands and contacting them is not possible. 

I have tried pursuing this with my bank as well ( XXXX XXXX ), however they just go off of the results of the company ( in this case Venmo ). 

I have tried pursuing this via the XXXX, Venmo, PayPal ( owns Venmo ) and XXXX. All avenues have resulted in the same run-around that without the hackers contact info and them refunding the money that the money is lost. 

I was under the impression that Venmo was a secure service but it would appear this is a major flaw in their protocols. I would say the same about XXXX XXXX. In this case the amount was {$60.00} but I fear what could have happened if the amount was larger. 

I hope you can help me resolve this and get the funds returned but at the very least I hope it triggers them to reevaluate their procedures to ensure a more secure process. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BTH Management
State: CA

Complaint narrative:
I submitted official documents along with a personal letter to the original creditor XXXX, that undeniably dispute ownership and responsibility for the account that is currently being reported as delinquent by Plaza Services llc, debt collector. I submitted a dispute for inaccuracies and reported fraud to the credit bureaus and Plaza Services to investigate the validity of ownership to the debt from XXXX. Plaza Services continues to report inaccuracies file against without providing information to validate and identity ownership, agreement terms, contract enforced by law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account for no reason and will not help me with getting it back and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as i used PayPal quite frequently. My email linked to my PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent numerous Dispute letters on my behalf to Equifax. Equifax has NEVER sent me a investigation results. I sent dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and certified on XX/XX/XXXX. 

I would like the negative information that is inaccurate to be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I had a checkings and savings account with Flagstar bank back in Spring 2019. 

When I tried to transfer funds from my savings account to my checkings, it charged me a {$35.00} fee. It was the first transfer I made in a month. 

When I went to a branch, they told me they couldn't do anything as it wasn't the original branch I open the account with, and about the fee as it became overdrafted after I closed the account as the promotional interest rate for savings expired. 

They fee grew to {$220.00} and was sent to collections illegally to XXXX XXXX. I say illegally as any bank has a courtesy of reimbursing automatically an overdraft or late fee once a year and this is damaging my credit potentially costing me money.

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 2021-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, its been a year and I have not receive response from Transunion stating that the debt is mine. Can you please remove debt off 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 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent numerous dispute letters to Transunion. Transunion has refused to send me any investigation results for my dispute letters. I have sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and certified on 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