vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK
State: PA

Complaint narrative:
I called freedom debt relief to cancel monthly ACH due to me losing my job they said I can't and I can only reduce the Amount and I should be calling them monthly to reduce, I called XX/XX/XXXX to reduce its to {$20.00}, and they confirmed. Today I checked my account they withdrew {$780.00} without my approval, causing an insufficient fee charge of {$30.00} from my bank and another {$35.00} from my mortgage company I had schedule a mortgage payment which bounced. Please I need your help, Freedom Debt Relief has being charging fees for non negotiated settlement and other fees,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: OR

Complaint narrative:
I've been investing with Robinhood and I recently sold my stocks so I could withdraw the earnings and put them towards a new car. I did this on XX/XX/XXXX. Now it is XX/XX/XXXX and they are still not letting me withdraw my money. They just tell me my account is restricted from withdrawals. This is insane. I've emailed them dozens of times, messaged them on XXXX, XXXX, etc. The funds have already settled, they just won't release the money. Please help stop this app, this is an incredible scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I received a letter from commonwealth financial systems about a debt collection. I did my research and found out that the debt was related to medical services. I contacted the medical provider, they never provided services to me ( which I already knew ), contacted the previous creditor and they said they could not provide any information even when they confirmed my case number. The current collector commonwealth financial systems try to convince me that the debt was mine because they had all my information on the case until I confronted them with evidence and prove they were wrong and ask the for a itemzed invoice. Tree weeks later I received a fake itemized invoice with fake information which was showing that the services were provided to a different person. I call back and all they said was that that made a mistake and hang up the phone. This is something that has to be investigated because doing my research I found out I was not the only person with the same problem with this company. They are trying to scam people and the worst part they have all your personal information home address, social security number date of birth phone numbers and you don't know if there will be future fraudulent intents to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: IL

Complaint narrative:
I applied for financing with only TWO finance companies. XXXX XXXX as well as XXXX XXXX. When applying i made very clear I ONLY AUTHORIZE THE MENTIONED FINANCE COMPANIES TO RUN MY REPORT. When lookin back there are multiple reported inquiries. I contacted credit bureau and was advised to call dealerships. I called XXXX and was advised they only ran through their private financing ; XXXX XXXX. I also contacted XXXX XXXX who also advised they followed instruction and only ran through XXXX. So i contacted bureau back to advise response and confirm fraudulent inquiries during that time and they state despite me confirming fraud i do not have a right to dispute because i authorized the two mentioned companies to run which is inaccurate and against the Fair Reporting Act as I NEVER AUTHORIZED ANY OTHER INQUIRIES!!

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 2021-05-13 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: IL

Complaint narrative:
I applied for financing with only TWO finance companies. XXXX XXXX as well as XXXX XXXX. When applying i made very clear I ONLY AUTHORIZE THE MENTIONED FINANCE COMPANIES TO RUN MY REPORT. When lookin back there are multiple reported inquiries. I contacted credit bureau and was advised to call dealerships. I called XXXX and was advised they only ran through their private financing ; XXXX XXXX. I also contacted XXXX XXXX who also advised they followed instruction and only ran through XXXX. So i contacted bureau back to advise response and confirm fraudulent inquiries during that time and they state despite me confirming fraud i do not have a right to dispute because i authorized the two mentioned companies to run which is inaccurate and against the Fair Reporting Act as I NEVER AUTHORIZED ANY OTHER INQUIRIES!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$220.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
Simple transferee my funds to BBVA and they have locked me out of my account its been 5 days of called customer service waiting hours on the phone and they just keep hanging up. I called another customer service line and asked to close my account and mail me my balance and they said I would have to transfer my funds out yet they locked my access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citibank did not resolve the dispute for {$3400.00} on Citi XXXX credit card but instead issued a permanent credit in my account for {$250.00} as a courtesy. 

XX/XX/XXXX - I opened a dispute on a Citibank credit card about purchase {$3400.00} from XXXX on XX/XX/XXXX with reason " Goods / services never received '' for the air tickets with canceled flights which were not refunded. 
XX/XX/XXXX - Citi closed the dispute and requested an additional documentation about disputed purchase if we still wished to dispute the purchase. 
XX/XX/XXXX - I sent email to Citi asking to continue the dispute and included requested documentation about the transaction, 02-01-emailToCiti.pdf attached. 
XX/XX/XXXX Citi sent me a letter that they " did not receive documentation that the merchant is unable or unwilling to provide the service ''. 
XX/XX/XXXX I called to Citi explaining that I had provided documentation earlier and the Citi agent confirmed that they had missed my email. Also, I sent an additional email to Citi about the fact that XXXX received refund from airlines for the canceled air tickets but no refund was provided to me, XXXX attached. 
XX/XX/XXXX Citi sent me an email with confirmation about receiving the additional information from me about the dispute. 
XX/XX/XXXX I called Citi ; Citi confirmed that they found the documentation which I sent them on XX/XX/XXXX and on XX/XX/XXXX and reopened the dispute. 
XX/XX/XXXX - Citi sent me an email with confirmation about receiving the additional information from me about the dispute. 
XX/XX/XXXX Citi closed the dispute and added {$250.00} issued a permanent credit in my account instead of resolving the dispute, 05-05-fromCiti.pdf and XXXX attached.

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 2021-05-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i am an identity theft victim XXXX XXXX XXXX Not my account XXXX XXXX Not my account XXXX XXXX Never rented from this place. I own my own home This is not my account

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 2021-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This complaint involves Portfolio Recovery Associates, LLC, a debt buyer, fraudulently reporting itself as a Factoring Company in the Account Type section of my XXXX  credit report between XX/XX/XXXX and XX/XX/XXXX, relating to a collection ( Account # XXXX ). 

Portfolio Recovery Associates, LLC is in violation of the FCRA and FDCPA by ever describing itself as a Factoring Company on my credit reports. Portfolio Recovery Associates, LLC is junk debt buyer it purchases security interests in old, defaulted receivables. Factoring companies only purchase new receivables. 

On XX/XX/XXXX, I initiated a dispute with the XXXX XXXX XXXX of XXXX, Virginia, arguing that Portfolio Recovery Associates had since XX/XX/XXXX, been erroneously reporting itself as a Factoring Company on my XXXX  credit report. I included an attachment of my XX/XX/XXXX XXXX  credit report verifying my claims. 

On XX/XX/XXXX, XXXX XXXX, Regulatory Compliance Analyst with Portfolio Recovery Associates, responded to my complaint. XXXX claimed, PRA has confirmed that it is properly identifying itself as a Debt Buyer to the consumer reporting agencies ...

She goes on to write, PRA does not control the way consumer reporting agencies report the information furnished by PRA. Accordingly, any differences in their reporting of the information which PRA furnishes is the responsibility of the consumer reporting agencies, not PRA. 

This is a lie. 

On XX/XX/XXXX, I spoke with several XXXX  representatives who confirmed that XXXX  DOES NOT modify, change, amend, or alter any information furnished by a creditor. 

The same day, I submitted a rebuttal to XXXX fabricated XXXX XXXX XXXX statements, providing additional evidence that my XX/XX/XXXX XXXX  credit report still showed Portfolio Recovery Associates reporting itself as a Factoring Company. 

Tellingly, on XX/XX/XXXX, Portfolio Recovery Associates began reporting as a Debt Buyer under the Account Type of my XXXX  credit report. I confirmed with XXXX  on XX/XX/XXXX that this change in reporting was instituted by Portfolio Recovery Associates, not XXXX. 

It is clearly evident that both XXXX and Portfolio Credit Associates are lying, are/were in violation of FCRA and FDCPA reporting regulations, and need to be held accountable. 

I have attached the XXXX XXXX XXXX correspondence referenced above, in addition to attachments proving Portfolio Recovery Associates was reporting as a Factoring Company to XXXX  in XX/XX/XXXX and on XX/XX/XXXX. Ive also provided an attachment which shows how Portfolio Recovery Associates began reporting as a Debt Buyer on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
OnXX/XX/XXXX, I sent Experian a followup letter regarding a previous letter fromXX/XX/XXXX andXX/XX/XXXX, regarding an alleged debt collection on my credit report by the company " XXXX XXXX XXXX ' which I have also reached out to with no response on these same exact dates. The company has not responded to my verification letters sent on the the aforementioned dates above. It has now been close to 90 days since the original dispute on XX/XX/XXXX that has not been addressed neither by the credit bureau Experian note the credit, XXXX XXXX XXXX. They are both in voliation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both Experian and the creditor, XXXX XXXX XXXX, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, Experian and 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 non-monetary relief
Consumer complaint received 2021-05-13 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: NC

Complaint narrative:
XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax XXXX/XXXX - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX I received a debt collection notice from XXXX XXXX XXXX for {$710.00}. I realized it was an ER visit I had on XX/XX/XXXX due to a workplace accident. An authorization was obtained from my office manager before I even left the office, and they called the ER to let them know I was on the way, and it was to be paid by workers comp. I was able to return to work the next day, as I sustained no injury. I know of no previous collection attempts prior to the notice I received XX/XX/XXXX, and was unaware of the unpaid status of the claim. I sent a written debt validation letter by certified mail the next day on XX/XX/XXXX. It took them nearly 4 months to respond, and included were my diagnosis codes and treating physician. They did not include any evidence that I am contractually obligated to pay this debt. I did not give them permission to have my diagnosis codes / personal medical information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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

Complaint narrative:
my PayPal account was closed and limited without any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Simple Bank ( an online bank ) was acquired by BBVA USA. On XX/XX/XXXX, BBVA converted all Simple accounts to BBVA accounts.

During this conversion, the bank encountered system errors and I ( and many other ) users were prevented from logging into their system to complete the conversion.

I have been unable to discern the correct path to regain access to my money. The bank ( BBVAUSA ) has not informed impacted members on how to gain access to their money. 

Their callcenters are not answering phones. I want to close the account but I can't do that without any access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: SC

Complaint narrative:
Hello, please be advised this is my second time disputing this inaccurate information taking up my time to do so with no accurate resolution. None of the accounts disputed had accurate information and was not reporting correctly. This has ruined my life and affected my chances of getting a mortgage so i can move my parents to a better and safe home and it is important mostly of this pandemic. i don't want them to catch the virus so please hear me out. A few days passed and I still did not hear anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: FL

Complaint narrative:
I received a letter from XXXX XXXX XXXX about a debt collection. I did my research and found out that the debt was related to medical services. I contacted the medical provider, they never provided services to me ( which I already knew ), contacted the previous creditor and they said they could not provide any information even when they confirmed my case number. The current collector XXXX XXXX XXXX try to convince me that the debt was mine because they had all my information on the case until I confronted them with evidence and prove they were wrong and ask the for a itemzed invoice. Tree weeks later I received a fake itemized invoice with fake information which was showing that the services were provided to a different person. I call back and all they said was that that made a mistake and hang up the phone. This is something that has to be investigated because doing my research I found out I was not the only person with the same problem with this company. They are trying to scam people and the worst part they have all your personal information home address, social security number date of birth phone numbers and you don't know if there will be future fraudulent intents to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: AVANTE
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company AVANTE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

ACCOUNT#XXXX

Company response to consumer: Closed with explanation