vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hello and thank you for taking the time out to read my complaint today! I have inaccurate information reporting on my XXXX  and Equifax. There are two accounts that are from the company of XXXX XXXX XXXX that are reporting derogatory. Due to some hardship, I fell behind on payments and the account ending up closing with a balance. The balance was {$160.00} total and I paid this balance in full on, XX/XX/2020.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent several letters to the bureaus and haven't received a response yet. I received my credit report and seen incorrectly and unknown items on my credit report. It's been over 2 months since I first sent out my first letters. I feel like am being ignored of my disputes. With this taking so long with no response I demand these items be deleted immediately or I will file for litigation is due to the stress you caused me. This is taking way longer than it should. Please delete this items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was a victim of online fraud ( XXXX XXXX ) with my Wells Fargo debit card. When I called customer service first I was told that nothing could be done because the charges were authorized through the card. I called Wells Fargo fraud number who took down my fraud claim, it was multiples transactions through XXXXXXXX XXXX resulting an amount of {$800.00}. Never credited to my account and was told to wait 0 days then called them three times for follow up on my claims and was told the same thing will not get refund caused they consider it authorized since I used XXXXXXXX XXXX before.

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: 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: OH

Complaint narrative:
Paypal close my account for not reason and them will not help me with Getting it back up and going. Everytime when i try to take out my money From my account they just block me for avoid that i can use my money.

They just made all difficult for me. My account was already verified with all My personal information and i never made any mistake. I never had any Dispute or charge in my account. i donate money to my friend they blocked my account, and them they just close my account with all my money. I think this Company stole money from people. They never take my calls or respond my message. I record Everything about that company that just stole money from the people without Any reason. PayPal is not doing her job properly and that the reason i am File a report here. PayPal is violating the rights of people by closing Accounts to keep the money and so make your company grow with the Money that is stolen. PAYPAL SCAMER 100 %. 
HERE THERE ARE SOME PROOF WHEN I TRY TO CONTACT NEVER DO NOTHING FOR HELP ME. MY EMAIL IS 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 — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hello! Thank you for taking the time to read my complaint. I have an account on Equifax, that is reporting derogatory and closed. The account is XXXX XXXX . I fell behind on this account, but was able to pay the account in full. Once paid in full the account was updated XX/XX/2020.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I XXXX XXXX have sent several letters to the credit bureaus and haven't received a response. I've seen many incorrect and unknown items on my credit report. It's been over 63 days since I first sent out my first letters. I feel like no one has received my disputes. With this taking so long with no response I demand these items be deleted immediately or I will file for litigation is due to the stress you caused 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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed hard inquiries on my credit file that were not made by me. After 30 days Equifax sends me results back starting that these where actual and would remain on my report for 2 years. I then called Equifax to have these removed the rep I spoke with informed me that they dont actually look into Hard inquiries and have no way of actually deleting them. And I would need to call the company that did pull my report. However I feel this is the responsibility of the CB to do so and they lied and said they investigated it but didnt. 
I need these inquiries removed from credit file

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: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
There is no human being to talk to. You have to contact customer service through the app, but since I did not create or authorize this account, I do not have the log in information and are unable to contact the company to report that this account was created fraudulently by someone else.

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: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against Capital One. 

Capital One is intentionally slandering my credit by placing false fraudulent charge off status date information onto my credit files, as well as false information regarding balance owed information. 

I am attaching a copy of my most recent credit report, and the credit report shows, that Capital One, is falsely claiming that I had a credit card account with them that they charged off in XXXX of XXXX, and that is false fraudulent information. 

I have had no dealings with Capital One since around XXXX of XXXX, and all of the statistical payment data that they have placed onto my credit files is inaccurate, fraudulent, false, and made up. 

Capital One has doctored up their statistical data on my credit files, so as to make it seem as though I had dealings with them in XXXX, as well as XXXX. 

On my credit file, under comments, where they are claiming that this information has been investigated, and is complete, that is a lie, if it were investigated and complete, this false fraudulent debt would not be on my credit files. 

Capital One is also claiming that I owed a past due balance to them in XXXX of XXXX, in the amount of {$570.00}, and all of that is false information. 

I am disputing the {$570.00} that Capital One is claiming that I owe to them, I did not, and do not owe them that money. 

Capital One has maliciously ran up this credit card account with fraudulent fees, and charges, and I want all of this false information removed from all of my credit files, and I would like hard copy proof on their letterhead that, that has been done. 

I want Capital One to cease and desist from contacting, and harassing me. I want all of my credit files corrected, and if they have passed on this false information to any collectors, I want that information removed from my credit files, as well. 

Any communication, Capital One can communicate with the CFPB, and the CFPB can contact me.

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: Paypal Holdings, Inc
State: CA

Complaint narrative:
Now i know that PayPal close my account for not reason and them will not help me with Getting it back up and going. i just load my PayPal account with my cash deposit and them just close my account for stole my Money. 
They just made all difficult for me. My account was already verified with all My personal information and i never had or made any mistake. I never had any Dispute or charge in my account. They said i can send money to my friend or family and after i load the account they just blocked my account I think this Company stole money from people, without think how people work for Get the money. They never take my calls or respond my message. I have proof about Everything i made in my account. 
PayPal is not doing her job properly and that the reason i am File a report here. 
PayPal violates its terms and conditions in the service agreement and acts to the detriment of users. MY email is XXXX paypay must be close. PAYPAL IS SCAM

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.

Complaint narrative:
I was expecting to have my XXXX XXXX that has been sent to my coinbase account without a destination tag. It was sent to my coinbase on XX/XX/XXXX, so the suspension hasnt took effect yet. Suspension of XXXX was XX/XX/XXXX. The question is, if I am going to have it either in equal amount to other crypto or on my XXXX XXXX? 
XXXX XXXX XXXX said coinbase has it. 

It is already XXXX and I am losing hope. That is more than {$3000.00} now I tried contacting them same day the problem happened, they replied XX/XX/XXXX but their response doesnt even reloved my problem and then until now no response again from them. 

I had the same issue with other exchange platform but my token are refunded in less than 24 hours ...

Company response to consumer: Closed with 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I XXXX XXXX have reached my limit on waiting on a response and I feel these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute I'm ready to filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. Its been over 60 days and I need these problems fix ASAP I will not wait another 50 days to receive no response because clearly, I am being ignored. I demand these accounts to be deleted immediately, or I will file for litigation due to the stress you cost me. Thank You

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: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had accumulated {$14.00} in 'Rewards cash ' on a Wells Fargo CC , but while the account was still open, I no longer had an actual card to actively use the account. In XX/XX/2019, I received a letter from WF informing me that - if I did not use the card again within a specific time frame ( 60 days or so, I believe ) - WF would close the account and upon closure, I would lose the reward I had accumulated. 

Over the next several months, I called WF at least twice and sent numerous emails requesting that a card be sent to me. WF did send me a CC, but it was attached to another account I had with WF. I informed them of their error, and asked again that they send a CC for the account in question, and that they not close the account without first doing so. 

WF never sent me a CC and - in spite of their promise not to close the account when I specifically requested that they not close it - the account was closed and my rewards cash 'disappeared '. Subsequent emails requesting this error be corrected have been answered with denials of wrongdoing and rejection of my request. 

WF also uses an 'in house ' email system with customers that deletes emails after a short time frame. All emails with WF are now deleted from their proprietary system. 

I would like to be reimbursed the money that - according to our contract - I earned through purchases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
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: VA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

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: LEXISNEXIS
State: IL

Complaint narrative:
Dear CFPB representative, According to my XXXX, XXXX  and XXXX Credit file I filed for bankruptcy. Before this FALSE INFORMATION was reported, my credit score was a 700+ and my balances were very low. I wasnt having credit issues and no need to file for bankruptcy. However, someone elses bankruptcy is being reported on my credit file. As you can imagine this has drastically impacted my credit score. After speaking with a representative from each company I was advised that the Lexis Nexis Consumer Center and XXXX XXXX XXXX is where they received this false information about a Bankruptcy. However, when I reached out to both of these agencies they either told me that they couldnt find my information or that the bankruptcy had been verified ( They never sent me any proof of verification ). Moreover, XXXX has completely ignored my request to tell me where they received this false information and to remove it. Even after I gave them proof ( letter from the bankruptcy court they have listed on my credit reports ) that they made a mistake and must remove it from my credit report. 

Frustrated, I decided to contact the Bankruptcy court, and they informed me that they do not provide anyone with a debtors full social security number, and they do not perform any activities with the credit bureaus. They also stated that they couldnt find the case name or number. I have attached documents of proof to this letter. CAN YOU PLEASE HELP ME RECTIFY THIS MATTER. My credit score means everything to me and this issue has really set me back. 
Sincerely, 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: 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: PA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
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: Credit Associates of Maui, LTD
State: HI

Complaint narrative:
Account is showing a {$500.00} charge. I did not have an account with XXXX XXXX in since XX/XX/2019 the month I switched to XXXX. They are trying to charge me for cable that I did not use. I switched back to spectrum in XXXX. I called telecom prior to close my account on the day of my scheduled install. I originally thought the charge was for equipment that I turned in XX/XX/2019 and XXXX XXXX informed me that they charged me well beyond what I would of been using them.

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: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/2021 Paypal permanently limited my I account and will not release it for 180 days, there was a despute which I always fix immediately to avoid limitation to my account but they still went ahead and permanently limited it. On the day that I found out about my account limitation on XX/XX/2021, I immediately messaged them but all they did was answered me with auto-generated answers which doesnt really help at all. 180 days is such a long time to wait for the money, I would have understood it if it was only 3 months but 6 months is such a long time, no consideration for the pandemic either.

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: Paypal Holdings, Inc
State: NC

Complaint narrative:
PayPal close my account for not reason and them will not help me with Getting it back up and going. They locked me just because I put my money into my account. I am assume that i respect all agreement of this company. 
But PayPal just made all difficult for me. They ask me for my personal information and i sent to PayPal but they never respond and took my calls. I never had any Dispute or charge back in my account and All my transaction was clear. 
PayPal should provide a good services but they are SCAMER NOW.

I think this Company stole my money violates its terms and conditions in the service agreement and acts to the detriment of users. i am File a report here. PayPal is violating the rights of people by closing Accounts to keep the money and so make the company grow with the Money that they stole. 

This is my email> XXXX PAYPAL SCAMER, PAYPAL SCAMER STOLE MONEY AND DO NOT RESPECT THE PEOPLE. CLOSE PAYPAL. 
HELP ME TO GET MY MONEY BACK.

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: IL

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation