vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: WA

Complaint narrative:
IQ Data International called me in XXXX stating I owed a debt from XXXX from an old apartment. It is now XXXX. They demanded that I check my credit score and tell them my credit score, apply for loans, take out tax advance loans or other forms of loans/debt to pay them. They kept me on the phone for long periods of time and hold times to harass me and bully me. 

They added over {$400.00} interest supposedly to this debt which I do not know if it is legal. I have paid them {$50.00} plus an additional {$70.00} in XXXX. 

They called me today XX/XX/XXXX stating the payment declined and that I needed to pay today or further action would be taken and it would be escalated. I advised the rep about personal things happening in my life and I needed to talk to an attorney possibly about this. I also said I was going to the hospital for an emergency and she wanted to keep me on the phone saying that did not matter. She also told me I was threatening her with an attorney and needed to take care of this and that I agreed to it. Someone else got on the phone after placing me on hold and said I need to file my taxes and that it only takes 25 minutes and I need to call by Monday at XXXX or escalation would take place. 

Prior to todays phone call, I asked them to mail me a copy of the debt which they did. I actually got it in the mail today. I am disputing the cleaning charge, carpet cleaning charge, stain removal charge. We moved out of that apartment and it was very clean and tidy. 

I emailed them asking to no longer contact me by phone today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: United Revenue Corporation
State: TX

Complaint narrative:
I disputed an account with XXXX, the account was reported by United Revenue Corp. for {$840.00}. XXXX sent me a result stating that this account was removed from my report, but it was not. I called XXXX  trying to get answers, the representative was rude and unwilling to help. He insisted that this account was a updated as accurate by United Revenue Corp . This account listed on report as opened on XX/XX/XXXX, but never reported till XX/XX/XXXX. I want to know if this account was accurately reported and meets the Fair credit reporting Act requirement, then why XXXX first concluded it's investigation with a result of removal and then changed it to updated?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been contacting the bureaus as XXXX to have this delete from my credit report because the debt was paid in full and it was not paid to XXXX but to the collection agency. I have sent a copy of this letter to XXXX on numerous occasions since I received the letter from the collection agency. The collection agency stated that they sent everything to XXXX once it was paid and they are still denying that they received anything. They are not trying to remove a debt that I do not owe and with it still being on my credit report as a negative mark is stopping me from being able to move on with my positive credit journey.

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 2021-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
My problem is With Ally invest bank ... I have not been able to login to my account there website is down and they never answer the phone. I have tried via email, XXXX XXXX and i have spent countless hours on hold and nobody ever answers the phone. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I Paid this Debt and all my Debt in XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -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 explanation
Consumer complaint received 2021-02-20 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Personal Statement After speaking to XXXX, they told me to file a complaint against American Express. On XX/XX/2021, XXXX deleted the ecommerce online store from my website XXXX. On XX/XX/2021, XXXX done a charge back of the {$320.00}. 
One of the American Express Representative determined that I signed a contract, for no refund, online. Thereafter, determined that I will be rebilled {$320.00}. However, I filed a second dispute because XXXX Financial Team gave me a refund, first, on XX/XX/2021. 
I explained to XXXX that American Express is billing me {$320.00} for the six-month ecommerce online store that you deleted XX/XX/2021. And that I had to shop around at other places because I could not use anything on my website because it was deleted. 
Someone from their Collection Team at XXXX told me to use a replacement card to reactivate your ecommerce online store because of the charge back XX/XX/2021 and for me to dispute it with American Express. Therefore, I used my other American Express Card Business Prime XXXX to activate the ecommerce online store, XX/XX/2021. 
In any event, I like {$320.00} credited to my account # XXXX from America Express and the case closed because I had to use another credit card to pay for services. 
Respectfully submitted, XXXX XXXX XXXX Oath I declare state under penalty of perjury that the foregoing is true and correct. Executed on XX/XX/2021. ( 28 USC 1746 ) Respectfully submitted, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid this debt in XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, Bank of America Prepaid Services, was contacted by I to file a claim for {$1900.00} that was fraudulently taken from my account on XX/XX/XXXX and XXXX XXXX. Bank of America employee informed me that the claim had been filed and that it would take six to eight weeks for the investigation to be finalized. Fast forwarding to XXXX XXXX with no information communicated to me by Bank of America within the time period that was specified by them, I contacted Bank of America back and was told that my claim was never filed.So then Bank of America proceeded to file a claim that day and they stated that I would be credited my funds between a ten day period of the investigation. Now, three days after ( XX/XX/XXXX ) I am being told that my account has been frozen with Bank of America and that I should contact Unemployment services to have this issue resolved. After I spent four strenuous hours on the phone with them they concluded that nothing was wrong on their end and they don't know why my account was frozen.I contacted Bank of America back to inform them that there was nothing wrong on EDD side and that EDD had emailed them of this alleged non existent issue on the same day they still said there was nothing they can do from me and now my account is frozen without funds to support my basic means of living. I am now completely without any expenses. I inquired about emergency funds and then the supervisor proceeded to tell me there's nothing he can do for me, without even requesting or looking into any action that could of been done on their end.The only thing that the supervisor did inform me was that an action wqs filed by another employee to unfreeze my account but it can take weeks. I am devastatingly at a loss with no fiances to survive because of Bank of America Prepaid, their misinformed policies and horrible customer service representatives. I truly felt as if I followed their rules to the best of my knowledge and gave adequate time for them, to resolve this issue.

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 2021-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: PA

Complaint narrative:
This is some XXXX in North Carolina. I live in PA and ive Has insurance for the past two years. I tried to explain that to them and they just send back a letter asking for the money again. the second time I tried to call the guy wanted money and to try to transfer me around and sell me other products. I've got these from a few other states and it says my info is on the XXXX XXXX. They have gotten me for taxes unemployment hospital bills, Pay pal accounts and all kinds of stuff. 
I've already filled out the appropriate forms with the IRS, FTC, I've Tried the attorney General in there state and didn't Hear back and spoke with our state representative XXXX XXXX 's office And they had me call the state rep in North Carolina and i never her back the same happened in Several other states. Ive had bank accounts emptied, taxes filed in my name, phones disrupted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been contacting the bureaus as XXXX to have this delete from my credit report because the debt was paid in full and it was not paid to XXXX but to the collection agency. I have sent a copy of this letter to XXXX on numerous occasions since I received the letter from the collection agency. The collection agency stated that they sent everything to XXXX once it was paid and they are still denying that they received anything. They are not trying to remove a debt that I do not owe and with it still being on my credit report as a negative mark is stopping me from being able to move on with my positive credit journey.

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 2021-02-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc.
State: LA

Complaint narrative:
Today I was notified for the first time by XXXX that there was a new collection account on my report. 

I attended XXXX University in XXXX and my account became delinquent in the amount of XXXX dollars on XX/XX/XXXX - I verified this today XX/XX/XXXX with the XXXX University billing office. I have a record of emails from XXXX trying to collect on this debt as far back as XX/XX/XXXX ( this is included ). 
In XX/XX/XXXX, XXXX University referred my account to Key 2 Recovery ( XXXX XXXX XXXX XXXX XXXX, OH XXXX ) for collections. Today, XX/XX/XXXX, Key 2 Recovery reported my account " date opened '' as XX/XX/XXXX, when they were given the account, not when it became delinquent - this is called " re-aging debt '' and I believe it to be illegal in this situation. I have paid nothing on this debt, have not and do not admit ownership, have not entered into any arrangement whatsoever with any entity concerning this debt. 
I called Key 2 Recovery today to inquire about the debt and the date of birth they provided as the debt owners did not match mine. Then I notified the debt collection representative about the false information being reported, she told me it wasn't her problem. When I told her that yes it was, that they were required to report accurate information she hung up on me. I called back and spoke to another representative whom I requested validation of the dates from and was simply told it was referred to their office XX/XX/XXXX, I was not given the delinquency date by any Key 2 Recovery representative today. 
The account information reported to XXXX is incorrect, incomplete, and it is COMPLETELY unethical that they would report unverified information. 

Along with this complaint I am reporting the FCRA violation with Louisiana Attorney General XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Freedom Mortgage Company
State: NM

Complaint narrative:
On XX/XX/XXXX I applied for two home refinance loans on my primary residence and a property I own in Florida with Freedom Mortgage Company. They ran a credit inquiry on that day to see what type of interest rates I qualified for. I proceeded forward with them and gave them permission to run that credit inquiry. The problem is I received another credit inquiry alert ( I have identity theft protection because I was employee by the federal government and now I support them ) on XX/XX/XXXX. Freedom Mortgage says they ran another credit inquiry on XX/XX/XXXX but I did not give them permission to run. I have been working with them since XX/XX/XXXX in which I got the alert and they still have not gotten back to me why they ran another credit inquiry. I have multiple emails and have escalated this to the management with no avail. I have told them that this affects me due to my security clearance and they just keep telling me that due to my high credit score it should not affect me. This is not the point, I did not give them permission to run the second inquiry and I have asked them to remove this from the 3 credit bureaus. I have still gotten no response and it is going over a month and a half now. I am not sure what else to do.

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 2021-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
After having difficulty paying a personal loan due to Citi not allowing online payments and reduced staff due to covid. I filed a formal complaint with citi against citi, and paid the loan off in full. Immediately the following months citi reduces the limit on all my cards to " balance owed ''. Thus decreasing my credit score dramatically and is continuing to do so every month. I take this as a retaliatory action and files another complaint. They then decreased my limits again. This is criminal and needs to stop. I have never missed a payment or been late. Citi is bunch of crooks. They have decreased my limits by over {$10000.00} causing my score to drop and they think it's some sort of game. I want my limits reinstated and their bullying actions to stop.

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 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have contacted the company and the credit bureau for the two accounts is actually one account. Not only is it just one account the delinquent information listed is not accurate. I would like this corrected as soon as possible because it is stopping me from establishing a good credit history. Also every account that I am writing about I have disputed every account with Equifax and they still have not updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. Also waited the 180 got the email saying my funds are available but still i hace call and they just keep giving me the run around My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been contacting the credit bureaus for years for them to update my credit report correctly and they have refused to do so basically stating that the information is accurate and I have asked them to provide the documentation that they have been able to identify the accounts as accurate and they have not done so. I would like for the accounts listed below to be deleted from my credit report as quickly as possible because I am trying to get back on the right track.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been a Wells Fargo customer for many years!!! Never having an issue until 2019 where I was called inside because something was going on with my account. Never given the full explanation on why I was called in but when I came in with my daughter the bank associate said I had to make a call and verify which she handled on the phone they asked my daughter for her id and thats was it. My account when first created was a savings account no one has access but me know one knew my information Im and old school person so a bank card I never had always used withdrawals and deposit sheets. I had direct deposit from The XXXX XXXX for many years as well. I went to do a withdrawal and I was told there isnt enough to cover my transaction I found out there have been XXXX transfer and my money disappeared I filed a claim then month later no money back and Im stuck

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 2021-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp
State: FL

Complaint narrative:
On XX/XX/20 XXXX XXXX ( victim ) spoke to XXXX XXXX by phone, e-mail, and text message. An agreement was established that she would have a sum of XXXX XXXX dollars wired to XXXX XXXX  to secure a loan of XXXX XXXX XXXX XXXX XXXX dollars for a purchase of a real property. On XX/XX/20, XXXX XXXX traveled to XXXX XXXX were she wired XXXX XXXX to an account in XXXX XXXX named ( XXXX XXXX XXXX XXXX ) Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX, Account Number : XXXX, Routing Number : XXXX, Branch Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. XXXX XXXX waited three weeks and had not received any documents in the mail or e-mail, she had not heard anything from the lender, Every time XXXX tried to communicate with XXXX, he would ask for more time, to call later, he was busy, or he'll get back to her. Never did. XXXX XXXX became suspicious and contacted the owner of the property that she was buying, who told her they did not receive any documents or money from XXXX. XXXX contacted Union home mortgage, where she was told XXXX XXXX had no longer worked for that company. XXXX then filed a police report for fraud. XXXX has more documents that XXXX sent her for the loan and also the police report.

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