vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi on XX/XX/2021 I was approved for a Walmart Capital One Credit card to be used only at Walmart. After applying for the credit in the terms it stated that I could immediately use my card. I tried to make a purchase of {$88.00} on XX/XX/2021 and XX/XX/2021 Both orders Were Canceled immediately. Due to the Verification System Process. I called to ask what the Problem was in order to make purchases and Was told that their System automatically does this. That my available Credit was Placed on Hold and that I had to wait 1 to 5 Business days for the credit to become available. Although my transactions were canceled from their end online. I called back to express my frustration and Experience as a New Cardmember and Consumer. And Stated that It should not be so difficult to make a New purchase and that No holds should be placed on transactions that were automatically canceled after I Placed an order. A representative issued me two {$10.00} promotions to use for future orders. Yet my problem still isnt resolved. I called capital One to check my balance and availability of credit and its stating Zero when only One transaction went through for the amount of {$110.00} My other credit is Still on hold and Im unable to use what I need for a gift and my household. I also called to put in a dispute because the information on the automated System of Capital one is inaccurate. Its stating that my credit limit was used and its Not. Only one Transaction took place

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I am not liable for this debt with XXXX XXXX and I do not have a contract with PORTFOLIO RECOV ASSOC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with SCA COLLECTIONS XXXX  plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$310.00}

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 2021-07-27 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: TX

Complaint narrative:
On XX/XX/2021 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I have business account with Bank of America and I opened another account online and made deposits totalling {$250000.00}. The promise was I could pay vendors by XXXX or by Wire. But when I tried to do so, their system made me use an ATM card except they never sent me an ATM card. After multiple calls I was able to figure out that they sent an ATM card to the office building my office is in but they failed to put the office suite number on the card mailer ( that suite number is on the bank account so why did they not put it on the mail ). I called twice again yesterday and was promised a call back from a superviser twice withing 24 hours but of course that has never happened. I now have a replacement ATM card but of course they did not send the pin so I can't do anything online. They could not help me online and I was advised to go into a physical location but the nearest one is nearly 300 miles away. So essentially I have {$250000.00} in the account that I can not access and I can't get anyone the phone that can help me. I have other accounts with XXXX XXXX, XXXX, and XXXX XXXX and do not have these problems with them.

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 2021-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
I'm 24hrs post XXXX  for XXXX XXXX. Received a call from someone claiming to be with XXXX telling me my power was about to be disconnected for failing to pay for a new utility box because the other had gone bad. Transfered on XXXX @ XXXX {$240.00} from my XXXX  XXXX XXXX zelle account to XXXX. Once I understood I was being scammed. I hung up, but I was too late. 
I then called XXXX  XXXX XXXX to dispute the charge and was told that since it had been received thru zelle I likely wouldn't be getting the money back. 
I then called zelle and was told that I had to go thru XXXX  of XXXX to file a report. So you know, a great XXXX XXXX  of no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: AL

Complaint narrative:
On XX/XX/2021, I sent my first letter to the credit bureau about this account ( XXXX XXXX ) and I have not received a response. It has been 4 months and I have sent a letter every month since. They have had plenty of time to investigate and validate this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: IL

Complaint narrative:
I made Payments On the loan on XXXX and XX/XX/XXXX and XXXX XXXX reported it as late non payments which is false. XX/XX/XXXX XXXX XXXX Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). XXXX XXXX never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from XXXX XXXX to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. XXXX XXXX dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with XXXX XXXX. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by XXXX XXXX is adversely affecting my credit report. I also became aware of and informed that XXXXXXXX XXXX XXXX paid a settlement regarding this account on my behalf to my former Attorney. However my name was forged on documents, and settlement money was collected from XXXXXXXX XXXX XXXX on my behalf. My former Attorney asked me to sign one single document for one thing in the case, and my signature was attached to other future documents without my knowledge or consent. My former attorney never informed me of a money settlement with XXXXXXXX XXXX  XXXX and kept all the settlement funds for himself. Despite me paying my former Attorney monthly payments to handle my case with XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX  XXXX. My former attorney was playing a dual roll and Represented me as a defended in the case. While also representing XXXX XXXX  XXXX as the Plaintiffs in the same XXXX County Illinois XXXX case XXXX -- XXXX. 

However Nothing was done in the XXXX XXXX XXXX XXXX  XXXX XXXX case and he only worked on the XXXX XXXX  XXXX case keeping all the settlement money from XXXX XXXX XXXX which is fraud scam.

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 2021-07-27 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: GA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: FL

Complaint narrative:
HELLO, I AM INQUIRING ON THE NEGATIVE ACCOUNTS THAT ARE STILL CURRENTLY REMAINING ON MY CREDIT REPORTS WITH EXPERIAN AND XXXX. I'VE HAD ALL THE XXXX  ACCOUNT REMOVED DUE TO INACCURATE INFORMATION AS WELL AS THE XXXX  XXXX  ACCOUNTS WHICH DO NOT PERTAIN TO ME. I DEMAND TO KNOW THE REASON WHY XXXX  AND EXPERIAN HAVEN'T SENT ME ANY CORRESPONDENCE REFERRING TO MY INVESTIGATION WITH THEM AND I HAVE YET TO RECEIVE A RESPONSE AS TO WHY THOSE REMAINING ACCOUNT ARE STILL REFLECTING. I'VE SENT THEM A LETTER IN ORDER TO DISPUTE THE INCORRECT INFORMATION AND NEED TO KNOW WHY ... ...

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 2021-07-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I have a personal Venmo account which I barely even use and when I do, I use it to pay back friends etc.. like EVERYONE! Venmo locked my account saying I'm in violation of their policy. Almost certainly a mistake on their end which is bad enough but what is unacceptable is I'm unable to speak with anyone about it at Venmo. Venmo 's response on a {$500.00} transaction that they declined ( said I cancelled but that is untrue ) is it may take up to 30 days to return the {$500.00} to my account. PLUS Venmo froze the additional funds I had previously transferred to Venmo from my back account holding these funds hostage without cause. The effect is Venmo has locked up {$1300.00} in funds on their mistakes with insufficient measures in place to address. Only response from Venmo beyond the above is they will contact me in 5-6 days additional business days ; meaning it could be as long 12 actual days before they even RESPOND!!! much less resolve. Venmo gets away with this because they hide behind one-sided arbitration clauses which hopefully will be illegal soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27 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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I ha

ve these accounts that does not belong to me and i want them to be removed from my credit. 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft CITIZENS BANK Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX  This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
Exactly a year ago I applied for refinance of my current high interest mortgage with XXXX XXXX a US Bank Mortgage officer. My intent was to refinance the current 4.9 % interest to a lower 3.1 % interest Mortgage and take {$25000.00} out for remodeling. 

My credit is excellent and have been sending all the documents required as requested in a timely manner. However, after almost seven months delay, I was transferred to a different loan officer, XXXX XXXX who apologized for the delay and promised to complete the process within weeks. A few months passed and without any notice he transferred my file back to XXXX. 

In the meantime, on XX/XX/XXXX I informed XXXX, XXXX, and the processor XXXX that I have a 0 % interest 2nd loan with XXXX XXXX and sent them the subordination request form that I received from XXXX to allow them to take a 2nd position. However, this was ignored by all of them. 

Eventually about a month ago on XX/XX/XXXX XXXX XXXX the processor contacted me to tell me the loan is in final approval stage and informed me the loan package is set up to pay off the XXXX XXXX XXXX. I made it clear to her that my intent was not to replace 0 % interest with interest bearing loan from US bank. To refresh her memory, I resend the email that I had previously sent to all of them back in XX/XX/XXXX clarifying my intentions for applying. She apologized and informed me that despite my wishes the loan was set up that way and there was nothing that could be done to change it. Despite their negligence, she suggested that I restart the application process from scratch. I then made several attempts by phone and email to XXXX on XX/XX/XXXX attempting get explanation why the error happened and get a better understanding of what can be done moving forward to avoid the same kind of mistake from happening. It has been almost 4 weeks ; he has decided not to respond to me directly. Instead, he keeps sending me multiple confusing applications for me to sign. 

Despite the unprecedented delay in approving the refinance and processing cost incurred as well as high interest payment for over a year, I am still being mistreated. This has certainly been a very frustrating experience. 

On XX/XX/XXXX I contacted the Manager XXXX XXXX hoping offer amicable resolution. However, on XX/XX/XXXX he emailed me back saying the application was closed and his solution was to offer me the {$390.00} refund of my application fee practically denying me refinance with US Bank.

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 2021-07-27 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: MS

Complaint narrative:
I have had someone to use my personal information to attempt to open accounts in my name without my knowledge.

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 2021-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
call from phone number XXXX and present they are ERC debt collector, They call my XXXX  and i told them this is a business and they hangup, keep calling back couple times. XXXX is my business XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX XXXX IS TRYING TO COLLECT A DEBT THAT IS NOT MINE. i EXPLAIN TO THEM THAT IT WAS IDENTITY THEFT AND THEY REFUSE TO REMOVE THE COLLECION ACCOUNT OFF OF MY CREDIT REPORTS. I ASKED THEM TO PLEASE PROVIDE ME A SIGNATURE TO PROVE THIS IS MY ACCOUNT OR REMOVE IMMEDIATELY. 
ROOMS TO GO ACCOUNT # XXXX TOTALLING {$860.00} SYCHRONY XXXX ACCOUNT # XXXX TOTALLING {$1300.00} i HAVE SENT POLICE REPORT TO ROOMS TO GO. I AM NOW SENDING IT TO XXXX XXXX XXXX. 
PLEASE HELP ME WITH ASSISTING IN THIS MATTER AS I AM TRYING TO REFINANCE MY HOME. 

THANK YIOU 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 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2021 I disputed a {$1200.00} collection account that I requested to be validated.

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 2021-07-27 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: TX

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

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 2021-07-27 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:
HELLO, I AM INQUIRING ON THE NEGATIVE ACCOUNTS THAT ARE STILL CURRENTLY REMAINING ON MY CREDIT REPORTS WITH XXXX  AND TRANSUNION. I'VE HAD ALL THE XXXX  ACCOUNT REMOVED DUE TO INACCURATE INFORMATION AS WELL AS THE XXXX  COLLECTION ACCOUNTS WHICH DO NOT PERTAIN TO ME. I DEMAND TO KNOW THE REASON WHY TRANSUNION AND XXXX  HAVEN'T SENT ME ANY CORRESPONDENCE REFERRING TO MY INVESTIGATION WITH THEM AND I HAVE YET TO RECEIVE A RESPONSE AS TO WHY THOSE REMAINING ACCOUNT ARE STILL REFLECTING. I'VE SENT THEM A LETTER IN ORDER TO DISPUTE THE INCORRECT INFORMATION AND NEED TO KNOW WHY ... ...

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 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: NV

Complaint narrative:
UNIFIN INC IS TRYING TO COLLECT A DEBT THAT I DO NOT RECOGNIZE REFERENCE # XXXXI AM ON SSI AND MY INCOME IS FEDERALLY PROTECTED, I WOULD LIKE A VALIDATION OF THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: MS

Complaint narrative:
I have had someone to use my personal information to attempt to open accounts in my name without my knowledge.

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 2021-07-28 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: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX WAKEFIELD ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation