vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-03 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: FL

Complaint narrative:
THE ACCOUNTS AND INQUIRIES LISTED DOES NOT BELONG TO ME AND IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. THESE ACCOUNTS SHOULD NOT BE REPORTING ON MY CREDIT. I HAVE A LOT THAT I WANT TO ACCOMPLISH AND BECAUSE OF THE DAMAGE THAT THESE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED, I AM AT PAUSE WITH EVERYTHING. I AM ASKING THAT THIS MATTER PLEASE BE RESOLVED. PLEASE RE-INVESTIGATE AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AT YOUR EARLIEST CONVENIENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
For the last week I've been on the phone with PayPal, in live chat support trying to fix this issue. Every time I try to withdraw my money on XXXX, I get this error. Its been happing to me for the last week straight and the only help I have gotten from them was " wait 48-72 hours. ", I have been waiting a entire week, and till this day ( XXXX, XXXX, 2020 ) I've gotten this error. When I spoke to someone on the phone 2 days ago from the XXXX of XX/XX/2020 they told me, they had to lift a limit or something on my PayPal account, and that all would be fixed in 2 days and promised me id have my money in my account. Well here we are no fix at all or even the call at all, and the error is still a thing. So I called today and they told me there is no fix for this, and there's nothing they can do because the whole website is computer ran. ( now a different outcome from when i last spoke to them ) I have had to confirm my ID TWICE and submit other documents multiple times, and cleared cookies, tried using the app, I mean I've tried everything possible. So what do I do? Is this even legal for them to hold my money with no reasoning or even knowing why, and telling me they dont know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accor dance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC
State: TX

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I originally sent a message to BMO asking to close my account via their website messaging function. I was told to call their call center to close my account. They were also unable to close my account for some reason. I was also told via message that my account would automatically close after 45 days of a XXXX balance. It has been well beyond that and my account is still open and they will not close via message or phone. I do not feel comfortable going into a branch given the current pandemic.

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 2020-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi Macy 's Mgr ; I have never being late! - I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am actually concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation? 
HOW DID YOU ACTUALLY VERIFIED THESE ACCOUNTS BELOW? 

Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as itlegally should be reported? 
What certified documents were reviewed to conclude your investigation? 
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
What did it cost your company to obtain the documents needed to complete your investigation? 
Please provide proof of your timely procurement of certified documents. 
If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove thatyou have in fact conducted a reasonable investigation of the account in question. 
Provide the date of the commencement of delinquency Provide the SPECIFIC date reporting that these items will cease Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
If yes to above : Who did you speak to? 
On what date? 
How long was the conversation? 
What was their position? 
What telephone number did you call? 
What is the name of the employee of your company that spoke directly to the above party? 
What is the position of the employee of your company that spoke directly to the above party? 
How long has that employee been employed by your company? 
What formal training was provided to this employee to investigate items of this kind? 
Was there any e-mail or written communication between members of your company and the above party?

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 2020-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Resolution Corporation
State: TX

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I had a debt and I paid it, I am still reported in the 3 national credit bureaus, I have communicated several times with them and they do not answer me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: CA

Complaint narrative:
On or about XX/XX/2020, I mailed a letter to Transunion disputing errors on my credit report. To date, I have not received a response from Transunion regarding the investigation results.

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 2020-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Recently obtained a copy of my credit report from XXXX  along with a letter from XXXX/Synchrony Bank stating a denied application for their credit card. It indicated that a credit inquiry was made by XXXX/Synchrony Bank. However, I did not authorize this inquiry. I'm writing to get this removed from my credit report. 

Please have this inquiry removed from my credit report as it is having a negative impact on my daily finances. I can't apply to new cards or increased credit lines that are essential to cover my necessary expenses. My vehicle is on the verge of fully breaking down and I am unable to even consider purchasing a replacement car as I am unable to get financing approval due to the detrimental effects of this inquiry.

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 2020-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Today, XX/XX/XXXX, I received a notice from Bank of America stating an increase to the annual fee charged to my credit card. The notice also said my account would be closed on the same day If I declined the new agreement that will take affect beginning of XX/XX/XXXX and the will be charged on my anniversary date which will be XX/XX/XXXX. I called to reject the new fee and to object this new agreement. The customer service representative named XXXX advised me that I could not use my card anymore or be refunded a prorated annual fee amount because I rejected the new terms and my account is closed. I advised her that this can not be right because I paid for an annual subscription on XX/XX/XXXX. I had agreed to the terms that were set forth on XXXX XXXX stating that my annual fee would be {$59.00} for the next year. I also told her that this agreement does not take affect until XX/XX/XXXX and I should be allowed to use my card that I paid a subscription to use until XX/XX/XXXX of XXXX. Bank of America and I had an agreement on XXXX XXXX stating if I paid {$59.00} I would have access to use my credit card for this upcoming year. Now I get a new statement and it saying if I dont agree with an agreement that doesnt take affect until next year then they will cut my card off now. I paid for a service for one year and I should be legally obligated to use that service for that for that one year or be refunded a prorated amount. XXXX was not able to help me and I was transferred to another representative named XXXX. He told me the same thing, saying because I rejected the new terms Bank of America will close my account the day that I reject the terms. They will not refund any amount of money and will not allow me to use my card. I asked if I could speak to another representative or legal and he gave me a phone number to fax because thats the only way to contact them and said I will have to wait for a response from them based on any inquiries that I sent via fax. I dont understand how a company can charge you an annual fee to use a credit card and then five months into the annual agreement they change the terms for a future agreement and see if I dont agree I am not obligated to finish out the service I paid for.

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 2020-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XXXX, I attempted to get a credit report from XXXX  and Transunion. Both sites displayed a message indicating I had to call them, but attempts at calling were to no avail, and no one answered the phone after more than 30 minutes.

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 2020-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Please refer to FTC Report # XXXX Identity Theft regarding Covid19 Unemployment Compensation. 
On XX/XX/2020 I received alerts from XX/XX/XXXXXXXX Card, and Merchants Solutions regarding a hard credit check that had been process using my name and social security number. 
While reviewing my XX/XX/XXXX Credit Report I found an wrong address under my name. The fraud account was placed under : XXXX XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX. A fraudulent telephone number using my name was also on the report. Number XXXX. XXXX said that the fraudulent address belong to a company called XXXX XXXX. 
While reviewing my XX/XX/XXXXCredit Report the fraudulent telephone number also appeared in the report under my legal name. XXXX. 
The fraudulent credit card was from Capital One/Cabelas, XXXX Capital One XXXX XXXX, XXXXXX/XX/XXXX XXXX and also from Capital One/Cabelas, XXXX XXXX XXXX. XXXX XXXX XXXX, UT, XXXX XXXX XXXX. 
I telephone Capital One 's Fraud line at XXXX and reported the Fraud. They told me that the credit card was not issued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings
State: MI

Complaint narrative:
Speedy Cash and XXXX XXXX THEY both used XXXX. Speedy cash, I found out today that I don't have an account with, told me I owe XXXX with them. And if I don't pay they were going to have my account sent to court and there would be an warrant out for my arrest. They also stated : The charges with Speedy Cash Inc., pressed on you are 1 ) Violation of Federal Banking Regulation 2 ) Breach of contract with loan the company 3 ) Theft by Deception And also : Finally, this case is going to be downloaded in your State County Court and your Local County Sheriff department tomorrow at XXXX XXXX  as per your State Standard Time and after then you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is {$2400.00} You can apply for an Offer In Compromise ( OIC ) And May Choose Payment Arrangement Options Mention Below : i ) You can clear this debt by paying {$1500.00} TODAY Deducing Daily Interest as ( OIC ) Offer in Compromise ii ) You can submit the Settlement Balance of {$2400.00} in payments ( {$610.00} x 4 installments starting from TODAY, to hold the WARRANT ) They also said it was going to lessen my credit by almost XXXX points. I think XXXX to be exact. I have resolved these issues by myself. I did send {$300.00} to Speedy cash a few days ago to hold the case and plus I was scared. But when XXXX XXXX  emailed me from there XXXX thtas when he didn't address my name or anything he kept saying me is my name or my email. Which is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Someone made unauthorized charge on my CITIBANK card I went into their branch on XX/XX/2020 at XXXX XXXX XXXX and reported that someone used my card illegally. I also sent them a letter on XX/XX/XXXX that I DID NOT MAKE ANY OF THE CHARGES at XXXX. They have no reversed these charges, they have added late payments onto my credit card and have reported me 4 months late for a charge that I never made in the first place. 
It is now XX/XX/XXXX, and so far I have wasted 10 minutes on the phone and now being transferred to representative number 3, who is unable to help me. 
Something is very wrong with this card servicer.

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 monetary relief