vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The bureaus didn't respond to my request about the changes on my accounts.

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 2021-05-24 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: DISCOVER BANK
State: CA

Complaint narrative:
I made an online purchase on XX/XX/2019 in the amount of {$350.00} and used my Discover Card issued by XXXX XXXX  ending in XXXX. I waited almost two years and until now still haven't received my order. I had a dispute case opened last XXXX and I closed the case few weeks later because I thought the pre-order item won't be released until XXXX of this year. So, I decided to wait until XXXX to see what will happen. About three weeks ago I found out that the online merchants ( XXXX ) was shut down due to lack of staffing. 
so I called discover card and tried to reopen the dispute case. I mail all the supporting documents but they tell me that wasn't enough. They can't help me. They ask me to give proof of writing from the seller that they won't ship my item or they won't issue me credit. They say my order could be delayed. I told them seller didn't respond to any of my emails since XXXX of this year. They ask me to think out side of the box. I could not believe the way Discover Card handling the issue. Shame on them. People should stay away from Discover. Card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-24 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:
So on the XXXX of XXXX, I had a family member log into my account to deposit my PayPal balance to their bank account as I am not a US citizen and they are. From that point onward I have been trying to make payments on XXXX using my PayPal balance and there is a restriction on my account that I had never been notified of. They simply won't allow me to use that money to make a purchase so that money is basically sitting in my account useless. They also won't allow me to make payments using the cards attached to my account. I have tried reaching out to their customer service but they have kept giving me the runaround and have been very rude and smug in the process. The matter is very urgent and I need to be able to use my money asap. I really thought PayPal was a reputable company but this experience has proven me wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Please note 15 USC 1681 and 15 USC 1692A ( 3 ) in this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: SC

Complaint narrative:
Traded my used car for another used car and Westlake Financial still claim I owe on auto loan

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 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, TransUnion, and XXXX  credit companies are not complying with their own policies in a timely manner.

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 2021-05-24 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: FL

Complaint narrative:
Equifax, XXXX, and XXXX credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
HSBC Bank requested additional information from spouse on or around XX/XX/XXXX via postal mail, which we were unable to provide in a timely manner. The account was marked as " hold '' and unable to withdraw funds as of XX/XX/XXXX. Spouse requested for the account closure on or around XX/XX/XXXX to the escalation/fraud department. The department agreed with the request and promised to close the account and send the funds. Spouse called back on or around XX/XX/XXXX requesting a status update. HSBC confirmed that the account was closed. 

The total amount of funds is {$2700.00}. This was an electronic deposit done via their mobile app. No indication of closure has been received either via postal mail or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2021 I DEMANDED ACCOUNTS BE VERIFIED OR REMOVED.

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 2021-05-24 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: GA

Complaint narrative:
I did not know that through using a consumer counseling agency it appears that nobody reports my payments to credit bureaus. The consumer counseling agency XXXX XXXX XXXX XXXX stated that they don't report to credit bureaus. I contacted the company XXXX XXXX XXXX XXXX whose been receiving my payments and they haven't reported to the credit bureaus either. ( They asked me to send them a copy of my credit report. I didn't see a reason for this because they know when they have received money on my account. ) I contacted Experian to dispute the fact that the credit report record indicates no payments under this company. The dispute was resolved according to Experian and they lowered my score 10 points. I sent them a letter asking for an explanation about why my score was lowered to be sent to me in writing. To date, I have not been given a written response. However, my score was reduced another 2 points by Experian for a total of 12 points. I thought there were no consequences for making disputes on a credit report. I sent a letter to Transunion about this same situation. I don't think that it is fair to make payments and nobody reports it. I don't know what type of investigation credit bureaus do without providing detailed explanations to consumers. I will attach documents for details.

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 2021-05-24 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: Atlanticus Services Corporation
State: MI

Complaint narrative:
FORTIVA MC/XXXX are reporting to the credit bureaus false information. Stating missing payments for XXXX and XXXX. This account has been closed on XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one auto account is paid off as of XX/XX/XXXX. This account should be removed from my credit score. 

XXXX XXXX auto account is paid off as of XX/XX/XXXX. This account should be removed from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau
State: IL

Complaint narrative:
On Friday XX/XX/2021 I contacted Medical Business Bureau. The reason I called them is not because they ever contacted me, but because they reported me to the credit bureaus. MBB NEVER EVER contacted me. I had no idea this debt was due. They claimed to have tried to call me. To be crystal clear, I answer my phone as it is my work phone, they never contacted me. Not only did they never call me, they never sent a letter. There was literally NO communication with me. The woman I spoke to, told me she could not email me a receipt, that she could only text it. I was NOT text a receipt. I have no receipt. The bill was for slightly over {$150.00}. I have no receipt, therefore no proof of payment so I suspect this is not going to go away. When I called I was told I was being recorded, I asked to not be recorded when I gave my credit card number. I do NOT trust that I was not recorded. Just like the receipt I have not received. I read their reviews on XXXX and I see this is their business practice. This company can not continue ruining peoples credit without doing the work of collecting the debt. This is absolutely insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: Atlanticus Services Corporation
State: MI

Complaint narrative:
XXXX/ATLS/FORTIVA MC are reporting to the credit bureaus missed payments. Also they are reporting payments that were made that were never made. The account was reported closed. So im not sure why missed informed information are being reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: LA

Complaint narrative:
I recently disputed fraudulent information on my credit bureau after I was exposed in recent data breaches. I have already submitted all of the supporting so I am resubmitting this dispute. I am verifying that this is me who is disputing these fraudulent items. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed in my etc report were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asa

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX account is paid off as of XX/XX/XXXX. This account should be removed from my credit score. 

Ally Financial auto account is paid off as of XX/XX/XXXX. This account should be removed from my credit score.

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 2021-05-24 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: GA

Complaint narrative:
Please immediately REMOVE the following INQUIRIES from my Equifax credit report as requested by XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. Letters attached. Thank you. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

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 2021-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Syncapay, Inc
State: OR

Complaint narrative:
I earned a {$200.00} prepaid reward card via MyAcuvue Rewards. I did not activate it, and it expired. Months later I reached out to customer support and was issued another card, most likely because I never activated the first card. I got a new card issued on XX/XX/2020 for {$200.00}. There was a digital token attached to it and, there was a link to MyACUVUE Digital Rewards to activate the card. I activated the card, set up a username/password. Recently, I wanted to check the balance of the card, or at least see the payment history because I wasn't sure if I'd used it or how much was left. When I tried to access the card, I found out the company closed the account or it became expired. I contacted customer service and they basically said that if the prompts on the log in state it's expired they will not reissue it. I am mainly upset, because it has been less than a year since re-issue date, and I don't feel like it should have expired that quickly. If I had used the funds, and it was empty that's fair, but I can't even see the purchase history. I feel like I should be able to see this history given that I had the card issued to me. I am asking support to reissue the card ( especially if i had unused funds ) or to at least grant me access to the use-history to reassure myself that I had or hadn't used it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Attention PENFED CREDIT UNION you were recently sent a packet of Notices to you PENFED CREDIT UNION to correct some errors in Billing as you are currently attempting to collect alleged debts from me, the natural person, private individual, consumer and Original Creditor involved in these consumer credit transactions/sales. As the original creditor I do NOT owe you any alleged debts and there is no documentary evidence of such allegations. After review of these statements I have discovered there is a serious error in Billing reflected on statements that have been sent to me so you have received a verified Billing Error form from myself in order to correct the errors that I have found with the referenced account. Your accounting records if maintained accurately and in accordance with Generally Accepted Accounting Principles as [ GAAP ] as required by 12 USC 1831n and highlighted by Federal Reserve Publication Modern Money Mechanics, will show a total bank liability to me In the amount of {$25000.00}. You have been notified in this Billing Error Notice of this error and are required by Federal Law Pursuant to 15 USC 1666 to issue me credits as directed. You have also received a Notice Of Opt out which requires you to remove all reporting of my private, personal and confidential information to any credit bureau, credit agency or credit repository, again PENFED CREDIT UNION you must immediately cease reporting of any information to the credit reporting agencies pursuant to the aforementioned section of Federal Law. Refusal to comply with these demands and Federal Regulations will result in further legal action. If your claims to this alleged debt hold any merit you will have no issues complying with the Freedom Of Information Act Notice and providing the demanded documents and appropriate attestations under notary seal as demanded in this document and pursuant to FOIA 5 USC 552 and FDCPA 15 USC 1692. Ignorance of the law is no excuse for your negligence and your Silence is Acquiescence! Should you default on these notices that Have been Notarized and are now legally applicable as evidence of your willful negligence I will not hesitate to pursue these matters to the full extent of the law. This is my attempt in good faith to rectify these matters and errors prior to taking any further required legal action.

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 2021-05-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Please immediately REMOVE the following INQUIRIES from my XXXX credit report as requested by XXXX on XX/XX/XXXX and Capital One on XX/XX/XXXX. Letters attached. Thank you. 

XX/XX/XXXX Capital One Bank USA XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not know that through using a consumer counseling agency it appears that nobody reports my payments to credit bureaus. The consumer counseling agency ( XXXX XXXX ) stated that they don't report to credit bureaus. I contacted the company ( XXXX XXXX ) whose been receiving my payments and they haven't reported to the credit bureaus either. ( They asked me to send them a copy of my credit report. I didn't see a reason for this because they know when they have received money on my account. ) I contacted XXXX to dispute the fact that the credit report record indicates no payments under this company. The dispute was resolved according to XXXX and they lowered my score 10 points. I sent them a letter asking for an explanation about why my score was lowered to be sent to me in writing. To date, I have not been given a written response. However, my score was reduced another 2 points by XXXX for a total of 12 points. I thought there were no consequences for making disputes on a credit report. I sent a letter to Transunion about this same situation. I don't think that it is fair to make payments and nobody reports it. I don't know what type of investigation credit bureaus do without providing detailed explanations to consumers. I will attach documents for details.

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