vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
will attach photos of the paper work that confirms the closing of my account around the months of XXXX. 

I made a few payments with this company before my billing cycle and they were reversed. This was a secured credit card that I placed XXXX $ limit. Due to me having too many reversed payments within a short period of time after me opening the card, they closed my account. They used my XXXX $ I placed on the secured credit card towards my Balance of the account. They sent my check by mail paying me {$19.00} around XX/XX/XXXX. The account was supposed to be closed. They kept my account opened and within The next billing cycle of XX/XX/XXXX I had a new balance of {$100.00}. This was a reversed payment with XXXX XXXX. This is one of the reversed payments that made the creditor close my account When I made the phone call with the gentleman to discuss the closing of my account. I asked if there was any way to keep my account open due to me wanting to work on my credit and I just got approved for the secured credit card. The gentleman told me no and he would use my XXXX $ deposit towards my balance and it came out to XXXX cents so they sent me a check around XX/XX/XXXX for {$19.00}. After I was told that I cut up my card immediately and never used the card again. There are charges on this card in the month of XX/XX/XXXX I was post a picture as well that none of them were made by me. I have charges in the state of California, XXXX OH, XXXX OH and XXXX Ohio. I do not go in any of those areas. As Im taking pictures of the monthly statements. Citi did not send me the XXXX XXXX statement as this is one of the most important statements due to my account closing before 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 2020-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I deposited a large check from an insurance company for payment ( {$2900.00} ) and Chase held it for 10 days and that cause not only my personal account to be overdrawn but as well as my business account. I want the OD fees in both account refunded back to me, from the date of deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
XXXX XXXX has failed to verify the debt after repeated requests. Last week they removed and added the collections to my credit report again resulting in an unnecessary drop in my credit score. When I ask for verification it is my debt, they only supply a copy of a bill. Nothing to verify the accuracy.

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 2020-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XXXX I opened a Venmo account. Venmo paid the wrong person for an item I bought. The item was {$40.00} to be paid to XXXX XXXX. Venmo paid XXXX XXXX. I do not know him. I did not type his name in. I did not buy anything from him. I called Venmo. They said they were out due to covid 19. I emailed Venmo explaining the situation and they did not respond. I went to Venmo help site which said I had to request the funds back from XXXX XXXX. He responded by asking for more money. I declined. Venmo failed to provide a safe environment for transactions. Venmo failed to respond to my complaint. Venmo failed to get my money back. I have been trying to get it back through XXXX XXXX XXXX, my bank, for 2 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-31 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: Experian Information Solutions Inc.
State: VI

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX XXXX and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX 1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 

FOR Experian 1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 

FOR XXXX 1. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
2. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
4. Validate Account XXXX Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information immediately. 
5. Validate Account XXXX XXXX  Account Number : XXXX Please verify all information regarding this account whether your agency has reported it or not or delete this inaccurate information 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 2020-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
Midland Funding has failed to verify the debt after repeated requests. Last week they removed and added the collections to my credit report again resulting in an unnecessary drop in my credit score. When I ask for verification it is my debt, they only supply a copy of a bill. Nothing to verify the accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. AR  CHILD SUPPORT ENF XXXX {$410.00} XXXX   XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX  XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$170000.00} XXXX  XXXX XXXX {$6900.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$390.00} AR CHILD SUPPORT ENF XXXX {$7100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To Whom It May Concern : The reason for my dispute is the following accounts : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX . I am unable to locate documentation that they complied with these requirements, which is a violation of the FCRA & FDCPA 609,623,611, Section 807 ( 11 ) & FDCPA 809. Under Sec. 809,  they failed to send me my initial communication before placing these alleged items on my credit reports ; further violating the FCRA, these above-mentioned companies are held liable as well for defamation and in the state of OHIO. I fail to see where any of these companies are in compliance with OHIO LAW. I also have reported these accounts to the FTC and XXXX Police Dept. I  need these miscellaneous accounts to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
To Whom It May Concern : The reason for my dispute is the following accounts : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX . I am unable to locate documentation that they complied with these requirements, which is a violation of the FCRA & FDCPA 609,623,611, Section 807 ( 11 ) & FDCPA 809. Under Sec. 809,  they failed to send me my initial communication before placing these alleged items on my credit reports ; further violating the FCRA, these above-mentioned companies are held liable as well for defamation and in the state of OHIO. I fail to see where any of these companies are in compliance with OHIO LAW. I also have reported these accounts to the FTC and XXXX Police Dept. I need these miscellaneous accounts to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
I had an unpaid bill of {$91.00} from XXXX XXXX, my internet provider. I never received an email notification about it. I was also in the middle of a move and don't recall receiving paper mail about it. I found out about the debt being in collections a couple of years later, only after my mortgage lender ran a credit report, as I'm preparing to buy a new house. I was advised by my lender to reconcile the unpaid debt and also ask the debt collection agency to " delete '' the debt from my record. I called CCC to pay off the amount, and I also asked a representative to " delete '' the debt, but she said it was company policy to only " update '' it. I said it should be illegal for a {$91.00} debt to impact a credit score and the interest rates on a 30-year mortgage. I told her that the CCC was messing up people 's futures. I asked to speak to a manager or supervisor ; she said it was company policy, no matter who I spoke to. She urged me to go to the CCC website, if I wanted to issue a formal complaint. It is misleading, deceptive and manipulative to let such a small debt ( from an internet bill ) impact someone's credit score so drastically. It is completely unethical and NOT in the interest of the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: PR

Complaint narrative:
I have tried several times to informed them that the Transunion and the XXXX credit reports information of creditor XXXX  XXXX XXXX is wrongly showing an account opened on XX/XX/2013 with a balance of {$3400.00}. This credit report information do not belong to me.

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 2020-08-31 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: LEXISNEXIS
State: GA

Complaint narrative:
XX/XX/XXXX - I sent a dispute to Lexis Nexis to dispute a bankruptcy they were reporting to the 3 major credit bureaus XX/XX/XXXX - Lexis Nexis responded to my dispute and stated due to the fact they were not able to complete their investigation within 30 days the bankruptcy was removed from their reporting systems. 

XX/XX/XXXX - As a result of my dispute to all 3 credit agencies asking for the method of their verification - The letter confirmed - Lexis Nexis reported that bankruptcy was reporting on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: EOS Holdings, Inc.
State: NY

Complaint narrative:
I have submitted several request for debt validation to EOS CCA, XXXX XXXX & XXXX XXXX XXXX who are reporting negatively on my credit report and they have failed to provide any proof of my debt. 
They have continuously updated the info with the credit bureaus on my report but failing to provide me verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: Ability Recovery Services, LLC
State: MD

Complaint narrative:
I have disputed the reported information and notified several times of the inaccuracies, inconsistencies across reporting agencies and fraudulent duplication. See attached from my XX/XX/XXXX credit report. I was not notified of debt prior to reporting by Ability Recovery to credit reporting agency which is a violation of my right to validate and verify prior to continued collection efforts.

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 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit Acceptance is closed on my XXXX  and XXXX  report, but XXXX  keep the account open Due to Credit Acceptance lies! My husband passed away and they took the car before hand in.. I live on SS and from the state raising a child. He died with no life insurance, he had nothing. Each credit report shows different collection, then the other.

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 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
A collection company added a collection item to my credit report XX/XX/XXXX with XXXX balance due and continues to report XXXX balance due each month. The company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX The original creditor was XXXX  XXXX The original balance due XXXX XXXX was {$340.00}. This amount was claimed on my partition for Chapter XXXX bankruptcy filed on XX/XX/XXXX and granted on XX/XX/XXXX. 

XXXX opened a Collection claim two after my Chapter XXXX was granted.

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 2020-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/2020 Portfolio Recovery Associates, LLC lost a lawsuit they filed against me in the XXXX XXXX XXXX XXXX Florida in XXXX XXXX. See Case Number XXXX. The Court ruled against them because they could not prove owned the debt. Now they are parking it on my credit reports saying I have settlement with them that the Court also said they had no Authority to settle with the people involved in the case. Basically they were hoping that I would not show up in court so they could get a default judgement the trial started at XXXX XXXX  they when they realized I was in appearance they e Filed bogus settlement notice at XXXX XXXX. They are also trying to collect on another account from XXXX XXXX they have not provided any proof of contract between us such as complete Master Purchase and Sale Agree, Card member agreement or Forward flow contract with the alleged account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
1. Tranfered {$4500.00} to TransferWise for an international bank transfer ( XX/XX/2020 ) 2. Transfer was cancelled by TransferWise due to missing information. They issued a refund XXXX XX/XX/2020 XXXX 3. I never received the refund and reached out to their customer service XXXX mid XXXX XXXX 4. TransferWise claims to have transfered the money to an account ending in XXXX which is not my account. They refunded the money to an incorrect account. They try to get the money back from this account. In a later statement they claim to have refunded the money to the correct acccount, see transfer receipt. XXXX XXXX of XXXX XXXX 5. TransferWise puts a trace on the money XXXX XX/XX/2020 XXXX 6. I reach out again. They are still waiting for the money to bounce back XXXX XX/XX/2020 XXXX 7. TransferWise asks for payment information and I provide a bank statement ( XX/XX/2020 ) 8. TransferWise asks for a newer bank statement which I also provide XXXX XX/XX/2020 XXXX 9. TransferWise recalls the money from wherever they transfered it to ( XX/XX/2020 ). 
10. I gave TransferWise 5 days to get me my money back before contacting the ombudsman. As of today, XX/XX/2020 I still did not get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit score was decreased from a XXXX to a XXXX on XX/XX/XXXX. It dropped 81 points with no explanation or activity. I am requesting an investigation on why my credit score dropped 81 points with no activity. Attached is the 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 2020-08-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
submitted a dispute, certified mail, received a dispute result update report number XXXX XXXX from Experian on XX/XX/XXXX on the report there where 9 items which i disputed, please see pdf on Experian report on XX/XX/XXXX received dispute update for report number XXXX XXXX with 8 items verified, but one did not show on report XXXX XXXX XXXX   acct # XXXX. I call Experian on XX/XX/XXXX to request why XXXX XXXX  was not updating my credit report according to FCRA they had 30-45 days to update disputed information. There respond was they do not have to do an investigate just submit to lender to verify. THAT IS NOT true. a reasonable investigation must have been performed. They lied and gave me mis-information. I enclosed the proof for you to review.

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 2020-08-31 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There is an inquiry on my XXXX  credit report posted in XX/XX/2019. I am unaware of this inquiry and did not attempt to open a line of credit with this store/company. Ive tried to reach out to Old Navy and XXXX  and with no help have had no luck. I spoke to a representative from old navy in XXXX and was told it would be removed. The said they would send me proof and I have yet to receive anything. XXXX  and Old Navy have refused to do anything. I did not attempt to open or establish a line of credit with this company.

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