vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America XXXX XXXX XXXX, DE XXXX Identity Theft On XX/XX/2021 I received two letters in the mail notifying that account number ending in XXXX and account ending in XXXX were closed and not to use the checking account or debit cards for either account anymore. I did not open, authorize nor approve these accounts. I spoke with XXXX at Risk Fraud XXXX who created Claim # XXXX. It was indicated there were 11 accounts open at one time. It was believed accounts may be closed. Also on XX/XX/2021 received a letter from XXXX XXXX XXXX stating someone opened a deposit account with Bank of America and was attempting to transfer funds. This attempt was denied. I spoke with XXXX at XXXX. She advised to file a dispute by reviewing the consumer report for the last seven years which she was to mail to me. She requested personal information which I did not fully give due to the identity theft concerns. I am still waiting for this 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
Consumer complaint received 2021-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
On XXXX XX/XX/2020, I attempted to pre-order an XXXX XXXX XXXX using XXXXXXXX XXXX " XXXX All Access '' program. I chose XXXX as the vendor and, after completing the order, realized the XXXX XXXX was replaced with an XXXX XXXX XXXX I tried to cancel the order and was told it could not be canceled and I would need to return it once received. 
The day it arrived, I returned it using the RMA label provided via the All Access portal. There were no email addresses or phone numbers for me to check the status. Citizens One advised me that once I returnedthe XXXX, the account would be closed. 
A couple of months later, I received late bill notices from Citizens One. I checked my credit bureau report and discovered a derogatory history from Citizens One indicating I was delinquent. I have spoken to Citizens One several times for hours at a time, and each time I was told a manager is reviewing the matter. 
Citizens One eventually verified the XXXX was returned butstated they would not close the account until their contract partner " XXXX '' credited the loan back. I was assured that the account was not in collections, yet I still get monthly emails, letters, and text messages from the collections department, followed by lengthy phone calls that lead to no results. To date, no manager has called or emailed me to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: AL

Complaint narrative:
I received an alert from my credit bureaus saying that I have a collections report from a company named Credit Management XXXX XXXX This agency states that it is attempting to collect a debt on behalf of XXXX XXXX for a past due amount of {$160.00}. I tried to contact this agency to no avail. I then contacted the creditor for which this agency stated that they were acting on behalf which is XXXX XXXX. XXXX XXXX representatives stated that they do not have my name or personal information ( SSN, Driver License Number, Addresses ) in their system and therefore advised that this may be a false account. This has severely impacted my credit score which I have worked very hard to maintain. I do not have any contract or agreements with Credit Management XXXX XXXX  or the creditors for which they are representing and therefore am requesting that they remove my information from their system and correct their report. 

Credit Management XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Phone Number : ( 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 2021-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
PayPal calls 6 times in a span of two hours everyday, approx every 30 minutes. I've communicated I will pay what's owed when I receive pay check in approx two weeks. Have started new job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. It has been 60 days and I have not received a response. I feel like I'm being taken advantage of and ignored. Section 611 ( a ) clearly states that a failure to investigate these items being disputed, gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that I have been caused by you. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2021-03-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I called the company were I was making payments to on XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 Trying to make payments arrangements to catch on the Past Due of {$1400.00} I was behind Several payments. 
They refuse the {$1400.00} and said that they wrote the car off and wanted the full amount of the vehicle {$11000.00} the amount we Financed the vehicle for 3 years ago. The car payments were {$290.00} a month. I called my chapter XXXX bankruptcy attorney to see if the car could be added back into the plan, he said no because when we had the car in the plan my wife who is also in the bankruptcy plan, took the car out of the plan and try to make the payments on her own until she was laid off of her job in XXXX of XXXX.due to the Pandemic.

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 2021-03-13 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I submitted a on time payment to Navient for the month of XXXX on XX/XX/21 and for some reason they are reporting the payment as late and I have to resubmit the payment. As a result they reported that I paid them late and this dropped my credit score 51 points. I would like this rectified and for them to remove this late payment/notice from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: PA

Complaint narrative:
I submitted a on time payment to XXXX for the month of XXXX on XX/XX/21 and for some reason they are reporting the payment as late and I have to resubmit the payment. As a result they reported that I paid them late and this dropped my credit score 51 points. I would like this rectified and for them to remove this late payment/notice from my credit.

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 2021-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital one denied my dispute even after providing evidence that I did not do business with company that charged my card. Capital one had no intentions of sufficiently looking into the case and resolving it. I was charged for a transaction I never authorized by a merchant I did not do business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
All credit cards were closed in XXXX. Any charged off debts too. I battled XXXX 2x and closed all cards. My attorney at the time was mr XXXX XXXX. XXXX passed away in XXXX. He told me to always protect what he did for me. I was a XXXX patient at XXXX and remain for rest of my life at XXXX XXXX XXXX of NJ. This is not the 1st time in 10 years now 13 that XXXX XXXX purchased charged off accounts. In this case XXXX XXXX. They were paid thru my attorney many years ago and must cease and desist. Please remove my name from any further info. They also failed to give amount or account number and I too never heard from the creditor once the account was closed. Please cease they are going too far. If you call the XXXX XXXX XXXX XXXX it goes to an 800 number for a company on pacifuc time zone called MCM. I can not be harassed nor garnished from XXXX on debts closed and settled. It must stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted EQUIFAX about my credit score going down 82 points with NO REASON. I have NO new accounts ive been working on my credit for the past few years. My credit score with XXXX  is CORRECT XXXX pts BUT my credit score with EQUIFAX was XXXX  a week ago and i checked yesterday and it went down 82 points since last week with NO APPARANT REASON. I contacted EQUIFAX filed a complaint. They couldn't give me a reason. My score with EQUIFAX is now INCORRECT please i need help ive been working on repairing my credit SCORE and ive been doing good, I need assistance with resolving this issue with EQUIFAX please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
Hello I recently received an alert from the credit bureaus and notice a collection account on my credit reports. I have no knowledge of any collection or ever had an account with CACI owing {$2200.00}. I have contact the creditor, serval times and has not heard back from them. Also, I have reached out to all three credit bureaus requesting verification of this collection account ; to send me verification that this account belongs to me and any documents that is bearing my signature. As of today ( XX/XX/2021 ), I have not heard anything from them. I have maintain my credit in good standards for years. It issue is affecting my credit and I need someone to help me correct this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: FL

Complaint narrative:
My Identity was stolen and was hacked online and as a result someone has attempted to apply for things i wasnt t aware of with unauthorized 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 2021-03-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX Reported : XXXX. XXXX, 2021 {$340.00} XXXX XXXX  I Reported : XXXX XXXX, 2021 {$410.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
iam new account to binance. 
i sold XXXXusdt ( value of XXXX ) to a " verified merchain '' in XXXX  on XXXX. 

XXXX transaction was hold, but than soon removed. 
everything seems fine, and i release the coin. 

XXXX XXXX after the crypto is released, the buyer claim that he never received the item. 
" Your buyer filed a claim. 
The buyer stated that they never received the item. Please help us to resolve this issue by logging into your Resolution Center and providing us with any information that can assist us with our investigation. 
Please understand that until our review is complete, we will hold any funds associated with this transaction. 

XXXX XXXX has requested a refund of XXXX EUR. Transaction Details Case number : XXXX Transaction date : XXXX XX/XX/2021 Transaction amount : XXXX XXXX Your transaction ID : XXXX '' XXXX XXXX the case is closed " We've closed this case Transaction details Case ID XXXX Buyer 's name XXXX XXXX XXXX XXXX email XXXX XXXX 's transaction ID XXXX Transaction date XXXX XX/XX/2021 Transaction amount XXXX XXXX Your transaction ID XXXX Dispute amount XXXX XXXX '' XXXX XXXX the buyer has changed the reason for this case. The buyer stated that they did not make this purchase. 

XXXX paypal decided the case in my favor " We've decided the case in your favor If there was a hold on this transaction, it has been removed. '' XXXX the case is opened again after decided for my favor. 
We're writing to let you know that a payment you received was reversed by the sender 's financial institution. 
Although we're required to return the transaction amount to the sender 's financial institution, we don't debit your PayPal balance if the transaction is covered by PayPal Seller Protection. We'll accept any documentation that shows the shipping date, the shipping address, and official acceptance ( like a postmark or receipt ) from the shipping company. Proof of delivery is an acceptable alternative to proof of shipment. 

XXXX paypal decided that Transaction not covered by PayPal Seller Protection We completed our review of the case outlined below. Unfortunately, we are unable to reimburse you because the transaction was not covered under PayPal Seller Protection for the following reason ( s ) : We were unable to verify the delivery information you provided. 
and my account was charged for negative for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
ADDITIONAL LOAN CARE PRINCIPLE PAYMENTS NOT APPLIED TO MY MORTGAGE CORRECTLY. BANKING IRREGULARITY AND MISSING {$19000.00}!!!!!! 

I have sent over 5 requests over the last 2 years to Loancare to get this issue corrected and these banking errors consistently keeps happening. LoanCare is illegally not applying my extra principle to my loan. They send a automated reports of payments in the mail then close the complaint but the issue is not fixed. I AM MISSING {$19000.00} OF EXTRA PRINCIPLE NOT PROPERLY APPLIED TO MY MORTGAGE. 

You will see my previous complaint this with company that went unresolved! I have several complaints with the CA Attorney Generals ' office.

I am ready to seek an attorney. There have been several CLASS ACTION SUITS against LOAN CARE bank. They deliver the worst customer service and go out of their way to misappropriate funds, never have a manager call you back and hang up on you when you ask detailed calculation questions. I have spent 100 's of hours trying to resolve this issue and think they should be investigated and held accountable. 

XXXX XXXX XXXX ATTN : Consumer Solutions Department XXXX  XXXX XXXX Virginia XXXX, Virginia 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 explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
To whom it may concern, I obtain a copy of my credit report and notice there as collection accounts that I have no knowledge of : Afini Inc, and XXXX XXXX XXXX. I did not have or requested any credit from these companies. I reach out to them and still they failed to send me verification of any documents bearing my signature.

Company response to consumer: Closed with explanation