vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have asked them multiple times to evaluate the debt owed. 
The debt owed does not match the original court complaint or the judgment. In fact there is no Judgment. 

Broken leases happen all the time due to unforeseen circumstances. In our case, we are members of the LGBT community and we were discriminated against, with our previous landlord. Upon receiving a Court complaint we spoke with the landlord 's attorney and we moved out prior to the Court system entering an eviction. 

Both the attorney, the landlord and the court system over step their boundaries. As a previous court employee the court prevented me from presenting my case resulting in a removal. However we did advise the attorney and the landlord we were not there we moved out of state. As a result of it, months later Hunter Warfield Inc comes collecting a wrongful amount based on the landlord s statement. The landlord is not entitled to such a high amount that has prevented me from acquiring rentals, resulted in being homeless and more. 

I am demanding an investigation of this company for violations of FDCPA rules. 
I am also demanding an investigation against XXXX XXXX, XXXX FL under XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple dispute letters looking to update my address on my credit report. Equifax is giving me issues and now not allowing me to view my credit report because the address isnt updated! I am looking to update my address on my credit report and also remove any fraudulent information on my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
XXXX has not verified my identification even though I have followed their instructions several times on various devices.. 

It has been at least a week Without ID verification, I can not access my funds at all ... 

This scenario started on XX/XX/21 and has not resolved as of today ( XX/XX/21 XXXX ) Emails dated XX/XX/21 and XX/XX/21 requested a refund of my funds ... especially after I read the numerous complaints regarding their " customer service '' ... 

This is when they stopped communicating about my issue altogether ... 

I also asked for a live person to contact me but that will be probably be useless based on the numerous complaints about that scenario ... 

I want a full refund of current funds so I can go to another company ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
I have been receiving a statement for many months with a zero payment due, I called to stop mailings and was informed that there was an error on my last payment back in XX/XX/XXXX. I was never notified until I called today XXXX XX/XX/XXXX. I never received a statement with that error from them. It was a clerical error or computer error and they want me to pay for it. I will not pay the interest since I confirmed the last payment over the phone with their employee. I refuse to pay and asked them to fix the problem and close the account. Im asking for them to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
We had XXXX accounts with XXXX XXXX XXXX. One was closed in XX/XX/XXXX ( Loan A ) because it was a tied to the home we sold. The other one was a consumer line of credit ( Loan B ). I paid $ XXXX on Loan A after it was closed thinking I was paying loan B, which is the only loan with a balance. Instead of sending the money back to the account I paid out of ( XXXX ) XXXX put the payment into a member savings account. I didn't realize my mistake until I got my XXXX statement. At that time I initiated a payment from that XXXX savings to loan B. They kicked back the payment to the savings account and would not accept it. Again, I didn't realize this until I received my XXXX statement. I then called XXXX and they told me the account had been put on hold for non-payment, even though we had a paper trail of payment trying to be made. We worked with XXXX XXXX at XXXX in XXXX XXXX, CO and after about a month they were able to look further into this and see that in fact we did attempt To make payments. We were sent an email on XX/XX/XXXX saying that they were updating the credit information. XXXX  has been updated, but transition and equites have not. I have disputed this information several times and they are keeping the derogatory information even though we have a letter from XXXX stating otherwise.

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 2021-04-10 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I disputed a duplicate account with XXXX and it came back updated. This account is listed twice by 2 different creditors. I disputed the old creditor first, as it was sold debt, they did not remove it. I disputed the new account and they are still reporting both debts. This is the same debt. They are also increasing the amount owed by a dollar regularly. The amount of the debt keeps increasing, which is leaving an incorrect balance on my report. I wish to have one of the accounts removed. 
XXXX XXXX is the new acct holder and is reporting a balance of XXXX, On my report under XXXX XXXX 's information, it shows that comenity/stage is the original creditor, which leads to comenity/stage as the duplicate entry, also reporting the same amount of XXXX, in which they wrote and sold the debt. the original amount owed on this account is XXXX, after payments were made in good faith to comenity in 2018. They then sold the debt for the amount owed before the payments posted and has been accruing interest (? ) ever since. 
The bureau did not actually investigate as the results came back in 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
I received the letter dated XX/XX/XXXX, from Mandarich Law Group , LLP regarding my current Creditor XXXX XXXX XXXX in the amount of $ XXXX never have creditor XXXX XXXX, and the balance was a charge off on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I created a XXXX account on XX/XX/2021 and sent a copy of my drivers license for verification. It has been almost a month and I still have not been verified. I deposited {$500.00} in the account and they gladly took my money. However, when I tried to withdraw my money, Gemini wouldnt allow me to and I get a pending verification notification. I contacted their support on XX/XX/XXXX, and I got a response on XX/XX/XXXX saying they received my support request, but did not include any information of the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
I contacted OneMain Financial Corporate office on XXXX XX/XX/XXXX regarding an incorrect reporting of a payment on my account ( XXXX  days late XX/XX/XXXX ). I sent a letter at the request of the Customer Service Representative on XXXX XX/XX/XXXX as well. I received a letter back stating that they have determined that my account history is being reported correctly. I have never been late and I need more information or I can file in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-11 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:
Paypal closed my account without a reason and can not help me to get it back to running. Since they can not help me to reinstate my account, I turned to use different paypal method. As for the paypal balance that I have, they says, that will be available after it has been limited for 180days. However, On XX/XX/2021, I noticed that paypal has taken the the money from my account, the amount is XXXXusd. I can not believe that paypal did such thing on me. I have been waiting for the money for a few months, because PayPal says I can withdraw the balance from my account after 180days when they close my account. 

I heard that CFPB can solve this problem, that's why I'd like to report this to you and hope you can solve the problem as soon as possible. my email linked to this paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I received the letter dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX regarding my current Creditor CACH , LLC in the amount of $ XXXX never have creditor CACH LLC, and the balance was a charge off on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I used PayPal to send {$5800.00} to a friend in Canada ( on XX/XX/2021 at XXXX XXXX  XXXX XXXX, but my friend only received {$7000.00} CAD instead of the {$7300.00} based on today 's exchange rate. When I called PayPal to confirm that there was not an error the first customer service rep told me that the exchange rate had changed in the hour since the time I had sent the transfer. I called back about 10 minutes later and got a different customer service rep who admitted that PayPal charges a 3 % fee plus a separate cross border fee to send money from the US to Canada. These fees WERE NOT disclosed when I transferred the money, or I would have paid them up front so that my friend received the full amount that I was sending. PayPal did disclose the 1.5 % fee to use a credit card, which was added to the total that I was charged. However the 3 % fee and the cross border fee were paid by the recipient and did not show on my receipt from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I tried to dispute an address from my report due to this not even being a existing location here in XXXX, La, they keep reporting it as updated. There s no road here named that, it is a complete misspelling which makes it inaccurate.

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 2021-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
It must discrimination if you get turned down by a credit card company by having a credit score of XXXX, with no missed payments, and very creditworthy. I used to be a member of XXXX, a company affiliated with Capital One, and twice I have received a preconfirmation of approval for a credit card. After receiving these approvals, see attachment, I get denied for having too many opened credit cards or inquiries. 

Therefore, I would like the federal government to investigate the company, on how many minorities have been turned down in the past year, maybe two years. So, we could have some enlighting on how they are discriminatory to minorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
We had 2 accounts with XXXX XXXX XXXX. XXXX was closed in XX/XX/XXXX ( Loan A ) because it was a tied to the home we sold. The other one was a consumer line of credit ( Loan B ). I paid $ XXXX on Loan A after it was closed thinking I was paying loan B, which is the only loan with a balance. Instead of sending the money back to the account I paid out of ( XXXX ) XXXX put the payment into a member savings account. I didn't realize my mistake until I got my XXXX statement. At that time I initiated a payment from that XXXX savings  to loan B. They kicked back the payment to the savings account and would not accept it. Again, I didn't realize this until I received my XXXX statement. I then called XXXX and they told me the account had been put on hold for non-payment, even though we had a paper trail of payment trying to be made. We worked with XXXX XXXX at XXXX in XXXX XXXX, CO and after about a month they were able to look further into this and see that in fact we did attempt To make payments. We were sent an email on XX/XX/XXXX saying that they were updating the credit information. XXXX  has been updated, but transition and equites have not. I have disputed this information several times and they are keeping the derogatory information even though we have a letter from XXXX stating otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are multiple duplicate entries of addresses on my report. Some don't belong to me, they are where some of my relatives have lived in the past.

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 2021-04-10 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: PA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
Phoenix Financial Service refuse to send me VALIDATION of this account ( of which I know nothing about ). I filed a dispute with XXXX  and they send the same bill to XXXX  ( not VALIDATION ), yet XXXX  is refusing to remove this account. how could they " verify '' the debt belongs to me if I'm disputing the validity of the debt? 

Phoenix Financial have yet to send me validation of the debt ( I send a certified letter seeking it ), but also refuse to remove it from my account. 

According to the report : Account Number is XXXX, Date Reported is XX/XX/XXXX, Date Assigned is XX/XX/XXXX, Creditor Class is Medical/Health, Status Date is XX/XX/XXXX. Status is Unpaid, Date of 1st Delinquency is XX/XX/XXXX, Balance Date is XX/XX/XXXX. Amount is {$35.00}. 

XXXX  is using the bill as verification of the debt. Rather than seeking validation of the debt ( since they won't send it to me ). After notifying me on XX/XX/XXXX that my dispute is being investigated, XXXX  closed the dispute on XX/XX/XXXX without notifying me ( had I not check my report on XX/XX/XXXX, I wouldn't know of the status ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: NY

Complaint narrative:
On XX/XX/2021, I submitted a request to both XXXX and Equifax requesting that they remove inaccuracies from my credit file with them. The credit file shows the following " Public records concern legal matters associated with you and are gathered from courts and government agencies. '' and that the " US BKPT CT NY XXXX '' shows a " Bankruptcy chapter XXXX-discharge. '' However, per the bankruptcy courts, they do not report such information to the credit bureaus. XXXX has already done the right thing and removed this inaccuracy from my file so i dont understand why equifax and XXXX  continue to harm my ability to obtain credit. 

All I request is they remove these items from my report immediately as this is inaccurate per the reasons stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Meade & Associates, Inc.
State: IL

Complaint narrative:
Meade and Associates is trying to collect a debt not owed it was discharged in a banruptcy filed XX/XX/XXXX. This company reported this account on XX/XX/XXXX on my XXXX credit report but failed to update it as included in bankrupty, They have also now reported this account 6 years later XX/XX/XXXX on my XXXX Report as a new collection. This should have not been reported on my transunion report after my bankrupty discharge. IT was only on my XXXX  report. This company Meade and Associates is violating Fcdpa and the also Section 524 Title 11 of the Us Bankruptcy Code. This is harming my XXXX  Report and it need to be removed from it being that they havereported on this report after my discharge. This particular account shows like its a new account, The account is due fall off of my XXXX credit report nent year. XX/XX/XXXX. But it was reaged on my XXXX  report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My account XXXX XXXX/XXXX  was paid on the agreed terms and was never late. However, Equifax still has not removed the 30 day late being reported on XX/XX/XXXX. Equifax is reporting inaccurate information on my credit file. On XX/XX/XXXX, I requested Equifax to verify this 30 day late and to send me the name, documentation and the exact and specific procedures they used to verify this late payment. I only received a generic letter response. I sent them another letter on XX/XX/XXXX and they still have failed to provide this vital information. And I still have a 30 day late on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2021, I submitted a request to both Experian and XXXX  requesting that they remove inaccuracies from my credit file with them. The credit file shows the following " Public records concern legal matters associated with you and are gathered from courts and government agencies. '' and that the " US BKPT CT NY XXXX '' shows a " Bankruptcy chapter XXXX-discharge. '' However, per the bankruptcy courts, they do not report such information to the credit bureaus. XXXX has already done the right thing and removed this inaccuracy from my file so i dont understand why XXXX  and experian continue to harm my ability to obtain credit. 

All I request is they remove these items from my report immediately as this is inaccurate per the reasons stated above.

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