vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 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:
I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error information appear regarding about a Bank of America incurred on XX/XX/2020, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.

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 2021-01-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX  XXXX XXXX incurred on XX/XX/2020, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.

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 2021-01-07 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:
This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: GA

Complaint narrative:
This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have 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 explanation
Consumer complaint received 2021-01-07 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: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Portfolio recovery. I have disputed numerous times they are unhelpful and dont care about people My information was breached a few times online and they continue to refuse to remove it the process has been very frustrating I lost everything to COVID and Now they are taking my only chance I have left! They took 50 points in one far from me last year! They have no commission or understanding

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX XXXX Account number XXXX with balance of {$1600.00} incurred, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.

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 2021-01-07 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: MI

Complaint narrative:
I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner

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 2021-01-07 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: MI

Complaint narrative:
I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank Business has held money in my act for six months without access and charging me monthly XXXX fee and at least XXXX. Further I was frauded and I've got zero information from citibank to file police report about what was found. I want this account closed and my fees taken returned and my census money returned which is mine. The delay is ridiculous, I filed previous complaint and Citibank falsely claims that all funds were not mine which is not true as funds went into account after they said they were closing it that were mine. I worked for the XXXX XXXX and two of my checks went into the account in error and they refused to sent to me this amount. I sent proof attached o worked at XXXX. 

Recently XX/XX/XXXX my check of {$600.00} us giovernment pandemic relief check went in the aaccount. 

I'm fed up its been since XX/XX/XXXX they said they would close amd refund me. 
And every month of XXXX  they have taken XXXX fees out. I want fees taken after XX/XX/XXXX refunded amd I want my XXXX check and my census money checks refunded now. They are not part of the reason the account closed and the money is mine. 

The bank is incompetent!!!! Doesn't investigate correctly

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 2021-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: CA

Complaint narrative:
I tried messaging INGO MONEY app several times to honor my check deposit from the treasury but they locked me out of my account and theyre not responding to any of my emails

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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 been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On or about beginning of XXXX.- XXXX i had apply for a credit card ( XXXX XXXX XXXX ). it was turn down because of the credit score that Equfax had sent them ( XXXX ). i had called Equfax about it and they said they did not tell XXXX  XXXX that, dated XX/XX/2020 from source : equfax consumer relations. I have an Equfax credit score of XXXX on line from Equfax. i had filed a dispute with equfax on XX/XX/2020, about this. ( # XXXX ) .now i don '' t who is tell what to who or who is just putting down the wrong information. I had sent a letter to XXXX  XXXX with the same information, that seem to be the only way to contact.them haven't heard from them. 

Now just apply for a XXXX XXXX credit that was turn down by The creditor is XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX again by Equfax info, .I only use 2 % of my credit creditworthiness. & credit score of XXXX i have 21 credit card i really don't need another card but i get for the discount & rebates. 

THANKS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: GA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Consumers Inc
State: MD

Complaint narrative:
I have called and written several emails Im regards to every time I have been treated at XXXX XXXX  XXXX I have ALWAYS carried health insurance and provided that information they NEVER send a bill they wait until they send items to collections. Then insurance can not Be used this has been done to be as well as many members of my family and friends of mine. I do believe I should have my credit destroyed and ruined by their poor customer service and awful office billing process. I am a single mom trying to buy a house and I can not keep paying bills that my health insurance I pay would cover its robbery. 
Everyone who works at United consumers inc is everything but helpful and the agrees to delete the info at one point only to send me nasty letters in the mail harassing me on phone

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 2021-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC
State: FL

Complaint narrative:
On XX/XX/2020, I got a loan with XXXX company. Because I need the money to pay some bills, then my work hours was reduced from 37.5 to 20 hours maximum. They attempted to collect money from my chase account for a amount of {$240.00}, more of I was told they told me {$200.00}. On XX/XX/2020, I received a email from my Job payroll department about XXXX XXXX in the amount of {$1700.00} and we are XXXX. This amount is to high for what I was told {$1100.00}. Also they say is XXXX garnished my paycheck but I search the number and the agency collector is Apex Servicing Debt Collectors. They Garnished my paycheck on XX/XX/2121, for {$220.00}, without my concern, without a court order, or any legal actions. They never contacted me either mail, email, cellphone or any other. My company provided me with a phone number to call which is the following XXXX but no response yet no one answers the phone, I search the number ending in XXXX and I found the following link https : //apexservicing.com/ and a complaint from the Washington State Department of Financial Institutions For Consumers and Employers that we would like to share for your information. The following company apex servicing  is being using some type of scan to contact not only me but others people employers and malicious garnished they paycheck. This article from the Washington State Department of Financial Institutions ( DFI ) can be found at XXXX XXXX XXXX I pay child support for my XXXX kids, I behind my rent, I behind my car loan payment I really need my money I dont saying I dont want to pay my debt but the amount is to high also getting in to my personal space like going to my employer directly without talk to me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
Im reporting this to CFPB because this bill from RMP SRVC LLC for the amount of {$2500.00} was paid by XXXX XXXX XXXX XXXX. This account was opened around XX/XX/2020. Ive disputed this 2 times already and it looks like both times I havent gotten the point across. I called my health insurance company multiple times and Ive been told multiple times to not pay them and to not give them the XXXX because it has already been paid and if I pay them then theyll get it twice. If the insurance already paid this medical fee then why would they tell me if its not paid it will go to a collection agency. This makes no sense to me and why it would hit my credit report if its already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: OH

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX 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 2021-01-07 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: OH

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I never received ANY COMMUNICATION from this company and it all of a suddenly appeared on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
The company said I had 2 late payments in which I never had any late payments. Barclay specifically gives you late fees when you have late payments. I asked the credit card company for them to prove and provide the late fees so they could see I never was late and both the credit bureau did not ask or Barclay did not provide but they continue to keep these two late payments on my closed account which is damaging my credit. I spoke to two people at Barclay who told me how to ask for the late payment to prove it was not late but they did not have the authority to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: NC

Complaint narrative:
I am trying to close my paypal account. Paypal says I can not because there is a transaction 'in process. ' That is false by any reasonable definition of the term. I can prove the following about the transaction claimed to be in process : 1. Seller sent a shipping notification 2. The item purchased was delivered and is in my possession 3. My bank statement shows funds for the item were transferred 4. Paypal itself does not mark the transaction as 'in process ' in the 'activity ' menu showing all transactions I am attaching an invoice from the seller showing a transaction status of 'shipped, ' which I have confirmed on the phone with the seller indicates the transaction is considered complete from its perspective. I can provide further documentation that funds have indeed left my bank account for this purchase.

In fact those statements are true for ALL transactions listed on my paypal account, with appropriate qualification for statements 1, 2 depending on the nature of the item purchased.

Attempts to resolve with paypal : 1. Multiple online message conversations with customer service, for which I have records 2. Two phone conversations with an actual paypal employee via their customer service line Paypal 's responses have been at times nonsensical, at times conflicting, and always have ignored the basic fact that I can show every party to the transaction considers this transaction closed.

As an aside, and possibly the subject to another complaint : The following is the reason I was trying to close my paypal account to begin with.

Paypal abruptly removed my bank account, my main source of funds for the service. Once again, its explanations for doing so were difficult to come by in the first place and, when given, were nonsensical. For example, paypal suggested my bank had changed its routing number causing the failure and removal from paypal. But that is not true ; I used the same bank account to transfer funds just days before ; there were ample funds in my account for all purchases I have attempted to make.

Paypal via customer service message app claimed it would resolve this issue by scheduling a call with me. That has not yet occurred after about a week, as of this writing. 

A quick check of the paypal XXXX shows this service summarily abuses customers, and that has been my experience. A poorly maintained, poorly operated service that does not deserve anyone 's confidence and should be more tightly regulated. Thankfully I do not need to use this service, e.g. for my business, and will get out as soon as able.

Company response to consumer: Closed with non-monetary relief