vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I noticed a few inquiries on my report that I do not recognize

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 2021-10-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I noticed a few inquiries on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: Receivables Performance Management, LLC
State: SC

Complaint narrative:
There is an incorrect debt/past due amount reported on my credit report. Supposedly the debt came from XXXX to a company called " Receivables Performanc '' according to the information XXXX has. I never had a XXXX  account nor have I ever been contacted by any representatives of either company. I believe this report to be false or else someone stole my identity.

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 2021-10-05 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: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
On XX/XX/2021 I sent Receivables Performance Management a cease and desist to cease all illegal activity when it comes to the collection of alleged debt company says is mine. I also gave specific demands on how to move forward with account company didnt comply. I requested specific things from the company and they also didnt comply with that. Receivables Performance Management also didnt respond to my affidavit of truth and any unrebutted affidavit of truth stands true in court and Receivables performance management is in default. Receivables Performance Management is willfully not complying with the FDCPA. I stated the violations that they have violated and a spokesperson for company said they havent committed any. I gave company 30 days to respond to my letters through mail and they havent complied. This company is causing me great harm due to mental stress these illegal activities have caused me. Ive been limited on credit extensions due to this illegal reporting and I have been having anxiety about this matter. I wish for it to be over its harming my reputation

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 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I closed my account with comenity bank but they keep harassing me and calling me at least 5-10 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX, I received a notice from BAM Trading Services Inc, d/b/a Binance.US that reported suspicious account activity and recommended that I disable my account for security purposes. I followed the recommendation, and after a few weeks attempted to reactivate my account. My intention was to move my funds to a safer location and increase the security on my account. However I could not reactivate my account, and despite multiple support requests to Binance.US on XXXX, XXXX, XXXX, ( and today XXXX an attempt for a virtual chat seeking a live agent- there are none ). I have had no response to my multiple tickets submitted for reactivation of my account, save automated Bot responses that report the request has been received and my multiple requests have been merged into a singular ticket, pending since XX/XX/XXXX. I have no update as to the status of my request and my several thousands of dollars are locked in my inaccessible Binance.US account for months. I have read the FAQ and taken appropriate actions as recommended by Binance.US to restore a XXXX account. 

I am seeking the help of CFPB to motivate Binance.US / BAM Trading Services to assist me in accessing my account and funds. I was a member of Binance since XXXX and migrated my funds to Binance.US this year with US regulatory changes, unaware that this total lack of customer service response is a pervasive issue for US customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I have two mortgage accounts with Select Portfolio Servicing Inc., 1st and 2nd liens on the same property. I refinanced the property with another lender. Payoff checks ( {$160000.00} and {$29000.00}, respectively ) were sent by the title company to Select Portfolio Servicing via Overnight delivery ( XXXX ) on Monday XX/XX/21. They were received on Tuesday XX/XX/21, yet they have not yet been credited to EITHER account. I have made calls over the past week to determine why and when they anticipate crediting these payoffs, but each representative I speak with has a nonchalant, laissez-faire attitude about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: MI

Complaint narrative:
I've recently started up a Venmo account for my business ( it's a business Venmo Account ). They've allowed me to create the account by way of answering questions about my business upfront. After the account was created, I had access to accept payments from my customers which are held on my Venmo account, but they flagged the payment as " suspicious '' and froze my account to where I can't transfer MY money to MY bank account. 

If the activity was " suspicious '' and needed to be verified, the transaction should've been blocked BEFOREHAND before allowing the money to come thru the Venmo platform and before taking their fee for accepting payments. They got their cut of my money to add to their capital, but I'm left trying to figure out how to access my money. 

Venmo is asking for documents to verify my business, and I've done this to an extent when I signed up. If they needed more information, they should've asked for it upfront with the questionnaire I completed to start up the account initially. 

The person who I got in touch with is XXXX XXXX XXXX they don't provide last names in the emails ) who did very little to help. She said that she was the highest up that could assist with my situation and that I had to continue to wait for her team to verify my account even after telling her I'd use XXXX and close my account with Venmo so they could release my funds to my bank. This part was pretty frustrating because if I'm telling you I do not want your services and you have my money, you need not verify documents ( which I've already provided ) or hold me/my money up in your process as if I would continue to be a Venmo customer. 

Simply release my money to my bank so that I can used the funds for business related bills and operating expenses. 

They're doing this to other people, I'm quite sure of it, and it needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 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: GA

Complaint narrative:
Submitted a dispute and the credit bureaus took longer than the allowed amount of time by law for resolving the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In XXXX I filed for chapter XXXX bankruptcy protection. I came to an agreement with the Federal Trustee to voluntarily agree to a dismissal of discharge. I have sent this documentation from the Federal Bankruptcy court Massachusetts Division to Equifax in two complaints. One complaint was on XX/XX/XXXX and the second on XX/XX/XXXX. I stated that the bankruptcy was being reported by Equifax as Discharged. It has not been discharged and no debts were discharged. They continue to not agree with the documentation from the Federal Bankruptcy Court Massachusetts in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: GA

Complaint narrative:
Submitted a dispute and the credit bureaus took longer than the allowed amount of time by law for resolving the inaccurate information.

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 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
On XX/XX/2021 we refinanced a mortgage with Huntington Bank. Both the first and refinanced mortgage are with Huntington Bank. The new mortgage has {$180000.00} to pay off the first mortgage of {$180000.00}. Which means Huntington Bank owes me the difference, which is {$1400.00} I have been in communication with the Bank. But I feel like I am just getting the runaround with delay after delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Continuous harassment by Portfolio Recovery Associates. I informed agent XXXX that this is an extremely fleshed-out issue, for which I have been contacted tens and tens of times. I have warned the company about a CFPB complaint, but they do not listen. 

This is not my debt. My debt was paid off. The card was charged off years and years ago. When asking for proof and verification, they can not provide it. 

This is illegal and wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One 360 checking has issues with debiting account. I moved money from one account into the checking prior to transaction yesterday. I woke up this morning to a negative balance even though there was enough money in checking account and I made no other transactions. The current balance states I should have way more money in the account that what is being displayed. This has been an ongoing issue since i recently opened this account. It seems as though they are double debiting the account. I have night deposit fees from a hotel that have not been refunded. I left the hotel almost 2 weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: CITIBANK, N.A.
State: MN

Complaint narrative:
I contacted Macys on XX/XX/2021 to let them know I would be making an online payment and requesting that the late fee be waived. My payment was due XX/XX/2021 and I was horrified when I received the XXXX statement in the mail that morning and discovered the prior months statement got set under some paperwork and the payment was not made by the due date. The phone representative was able to waive the late fee. He insisted however that he could take the payment over the phone rather than me making it online. I gave him my bank routing information. I told him XXXX XXXX XXXX  XXXX. I am not sure if he heard this as XXXX, as he said could not find the bank. I again said I would pay online and he said no he would just look it up by the banks name ( XXXX XXXX ). He found the bank and I gave him me account number. I thought the matter was handled. On XX/XX/2021 I received an email from Macys Cardmember Services that said my Macys account was past due. I immediately logged on to my Macys account and saw that the phone payment had been reversed, and I was also charged another late fee and finance charges. I called Macys credit department from work right away and talked to them and explained what had happened. The phone representative apologized profusely and removed the late fees and finance charges because it clearly was not my fault. I then went online ( she offered to accept a phone payment but I would not do that again since that is what caused this problem and has now drastically impacted my credit score ) and made the full payment. A few days later I got an email from my credit union that there was a change to my credit rating. I logged on to discover that Macys was reporting my account 30 days delinquent to the credit bureaus. This problem was created by their telephone representative, not me. I will NEVER again make a telephone payment, and I will NEVER again use Macys credit card. My credit rating has gone from Exceptional to Very Good ( XXXX to XXXX as this is the only derogatory rating I have received in almost 40 years ). I contacted Macys to correct this issue and they sent me a letter that said their reporting was correct. I adamantly disagree with their assessment. I would request the CFPBs assistance to get this removed from my credit rating. I have also filed disputes with all three credit reporting agencies. What Macys did is not right and I have now expended a tremendous amount of time trying to fix this. It is disheartening that Macys can wreak this much havoc and seemingly have no consequences for them and drastic consequences for 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 2021-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I opened a credit card in XX/XX/XXXX. The card was active and in good standing until XX/XX/XXXX. I tried to use the card on XX/XX/XXXX, and was told by the place of business that the card was deactivated. I contacted the credit card company the next day and was told the card was deactivated without reason. All information of this card was immediately deleted from my credit reports which caused my credit score to decline. I sent a letter to the company requesting a reason for the closure/deactivation and have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: ME

Complaint narrative:
I tried to buy a XXXX pound XXXX coin for my coin collection. They shut my card off stating I broke the rules by trying to buy money. The denied me access to the web page so I can no longer make payments.

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 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Data and Contact Management Solutions, LLC
State: PA

Complaint narrative:
My mother passed away XX/XX/2021. I contacted all of her creditors. XXXX XXXX was insisting that they be paid and asked if she had an estate. I explained to them that she did not have an estate. As a result, they sold the debt to DCM Services , LLC. If DCM wants to collect, they can go to the cemetery where she is buried. I had the mail stopped by them, but they continue to call. I want this company to stop contacting me thinking they are going to collect off of my deceased mother. Utterly disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I applied for a HELOC. During the second day of processing I was asked why my pay check stubs went to a different address? I stated I lived in an apartment. At that point, I was put on hold and no one ever came back to the phone. The next day I received an email from a processor stating to provide a ton of personal information needed to process the loan. I responded with some of the information, but wrote about what happened the following day. I then said, before I go further, is there an issue with me living at a different address? She responded " It might be '', or something to that affect. Now, I'm concerned, because they have pulled my credit report and I know inquiries count against you. I asked her to confirm, before I send all this information, so as not to waste my time any further. We went back and forth, then she said I would be denied because I don't live on the property and she will notify underwriting to withdraw my application- that dry and that blunt. I asked if there were any other options? While waiting for a response - I asked if I could have the managers contact information. She responded with the Managers name " XXXX XXXX '' and stated she would not give me his number but he would call me. If I want to know more about loan options, to stop in at one of the local branches. I'm still waiting to touch bases with XXXX. This bank pulled my credit with out confirming what appears to be very important information if you are applying for a HELOC and denied me with no conversation or options for me. My credit score is around XXXX. I have never been late on my mortgage or loans in 20+ years. I believe an exception could have been made If I could have spoken with someone. And, If not explain why. I feel used and discarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I have been constantly receiving postal mail from this company called Transworld Systems , Inc with the physical address XXXX XXXX XXXX XXXX, DE XXXX where they are trying to collect a balance that according to them I have pending with the XXXX company, when I receive this letter, let me know with them to understand what it was about because I do not have an account with XXXX to owe them anything and they did not know how to give me an answer, then I contacted XXXX asking for information and they told me that it could be a fraud, in the letter my name appears incorrectly written but they have my address and letters are constantly coming to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I receive at least one phone call every single day from numerous numbers from PORTFOLIO RECOVERY. They have not left one message, I refuse to answer due to being told that if I do, they will restart my open date. Right now I am unable to pay off this debt to financial hardship. I feel as I am being harassed on a daily basis. As they the only debt collector to call me every day using a different number every time. Some say from a XXXX landline, others say XXXX XXXX - VoIP number. This has been going on now for several months if not longer. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My mother passed away XX/XX/2021. I contacted all of her creditors. Capital One was insisting that they be paid and asked if she had an estate. I explained to them that she did not have an estate. As a result, they sold the debt to XXXX XXXX XXXX XXXX. If XXXX wants to collect, they can go to the cemetery where she is buried. I had the mail stopped by them, but they continue to call. I want this company to stop contacting me thinking they are going to collect off of my deceased mother. Utterly disrespectful.

Company response to consumer: Closed with non-monetary relief