vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi. PayPal limits the accounts of their clients being that all the information is sent I have a mobile phone shop, my account was limited on several occasions, in all I managed to demonstrate what my work methodology was and what my business was. On Friday they limited my account and asked me for information, I sent the information and everything was perfect. On Saturday in the early hours of the morning they removed the limitation on my account and everything was perfect. On Monday I was again limited and asked for a bank statement and XXXX information, I did so and on Tuesday my account was unrestricted. On Wednesday my clients tell me that they can not send payments to my account and when I check my account to my surprise my account is limited again ... when I enter the account in the resolution centre I see that they ask me to provide information again and a statement of account again. I call customer service and they tell me that it may be a mistake but that PayPal still wants to recognise what XXXX XXXX is all about. I tell the representative that I have no problem sending additional information, such as a document of the registered business, where the address appears, then they tell me that they are the safest platform in the universe and that they take care of their customers ... then recently I get an email without further words that I represent a potential risk for Paypal and that I can no longer use my account and that I have to wait 180 days for the money to be released. I find out reading their terms and conditions of use, that the money I have in my PayPal account represents an unsecured credit for them. This means that they use the money of the users to make money while they retain the money of those of us who already had money there. In short PayPal is a total fraud a mini ponzi scheme. Many times I wanted to withdraw MY MONEY and I couldn't because the system always made me a " mini block for attempts '' whenever I logged in from my work or home computer and never from anywhere else. PayPal is a scam. It limits your account and makes money on your account. Please the US government can not allow this scam. Help me get my money back and my rights enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: TN

Complaint narrative:
These agencies are in violation of 15 U.S.C 1692g. They were to notify me in writig 5 days prior. I was not. As the original creator, only I can validate this debt, I do not validate this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These ageNcies are in violation of Hippa according to FDCPA, I will file a complaint with inappropriate Misuse of my medical information and for deceptive practices XXXX XXXX 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 explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
My Citi credit card, ending in XXXX, generated a bill for the month of XXXX, XXXX. However, I have a 0 % interest bill statement, so this bill was generated in error. I contacted an agent explaining that I have a bill credit and should not get a bill until XXXX, XXXX. However, the agent said there was no bill credit and I would have to pay interest. I have an official letter from Citi stating the duration of the bill credit. I have had many issues with Citi concerning this bill transfer since I became a customer. I would never recommend anyone use a Citi card.

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 2021-05-27 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: MD

Complaint narrative:
Someone has stolen my identity & Equifax will not delete this information. These accounts do not belong to me & I did not get anything from these people. Please delete this information from my credit report. I have attached a police report, identity theft report & a request to block & delete this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
My account was closed with no explanation on XX/XX/2021. The email sent mentioned that I needed to contact support to get my balance if there was still a balance. No information or emails from Gemini until XX/XX/2021 ( during a giant crash in the virtual currency space with no access to my currency ). I had my account " unlocked '' on XX/XX/2021 but the currency was being held in their " Earn '' service and I'm unable to withdraw back any of the cryptocurrency because my account is unable to. On top of that, I can't access my account anymore because the SMS messages are not being sent by them when trying to login ( I know my username and password, confirmed by XXXX support that they have no text logs sent from Gemini ). Also, Gemini gave me 2 weeks to withdraw from XX/XX/2021 ( which I can't because the account is unable to be accessed and the currency is behind their earn platform ). Still have not heard back about resolving either of the following issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: NV

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigations results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: IN

Complaint narrative:
I XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: OK

Complaint narrative:
TransUnion has refused to remove inquires that were not authorized by me. They have said they have done investigations but this is a complete lie! This is illegal to 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 2021-05-27 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX has refused to remove inquires that were not authorized by me. They have said they have done investigations but this is a complete lie! This is illegal to 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 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
The company Regional Acceptance Corporation has not been reporting the correct balance owed on my auto loan for my XXXX XXXX XXXX. XXXX reported on my or my husbands credit. I sent them two messages on their website. Please have them report the updated paid balance and what is left unpaid to the credit bureaus. My credit is suffering from their lack of reporting to all XXXX bureaus. Looks like the last date reported was for XXXX or XX/XX/XXXX. Balance left is {$35000.00} but last two payments were left under-reported. THANK YOU!

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 2021-05-27 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:
The inquiries below do not belong to me. They are FRAUD. Delete ASAP. They should not be on my report. 

-- -- -TRANSUNION XXXX -- XXXX XXXX :XX/XX/XXXX XXXX Inquiry : XX/XX/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 2021-05-27 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: TN

Complaint narrative:
These agencies are in violation of 15 U.S.C 1692g. They were to notify me in writig 5 days prior. I was not. As the original creator, only I can validate this debt, I do not validate this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These ageNcies are in violation of Hippa according to FDCPA, I will file a complaint with inappropriate Misuse of my medical information and for deceptive practices XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I have an account on my credit report that recently appeared from I.C. System for an account with XXXX. I.C. System did not send me any documentation before they reported this account to the credit bureaus. I never received the notice stating my right to request validation of 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 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Per XXXX FCRA XXXX Fair Credit Reporting Act laws says its either correct on all 3 bureaus or to be moved completely off the credit file. I have been dealing with this negative reporting from all 3 bureaus, XXXX has followed guidelines and procedures in removing this negatively hurtle item from my report. I stand on faith and expect TransUnion and XXXX  to honor that. If you feel that this information attached below on verifiable that account was removed from XXXX, shows date, creditor name, states it was removed. Please provide me copy of break down of charges, any interest, payments that were made, the amounts and the date payments were posted. All pages of signature contract or original pen ink and any other documents that has my name on them. Please fix this matter by removing this account from your credit bureau reporting system. I suggest that you get on this matter immediately.

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 2021-05-27 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX is incorrectly charging me {$290.00}. I fulfilled my contract agreement and returned the equipment. I have called XXXX per phone calls, there was an adjustment made for the charges that leaves a correct balance owed of {$53.00}. XXXX has sold the debt to a collections agency and refuses to correct the inaccurate amount owed. This violates my consumer rights to have accurate information reporting.

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 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello i went to the bank to get a home loan and when my credit was pulled i noticed many fraudulent accounts. this is stoping me from obtaining a home and obtaining 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 non-monetary relief
Consumer complaint received 2021-05-27 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: FL

Complaint narrative:
Hello i went to the bank to get a home loan and when my credit was pulled i noticed many fraudulent accounts. this is stoping me from obtaining a home and obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Per XXXX FCRA XXXX Fair Credit Reporting Act laws says its either correct on all 3 bureaus or to be moved completely off the credit file. I have been dealing with this negative reporting from all 3 bureaus, XXXX  has followed guidelines and procedures in removing this negatively hurtle item from my report. I stand on faith and expect XXXX  and Equifax to honor that. If you feel that this information attached below on verifiable that account was removed from XXXX, shows date, creditor name, states it was removed. Please provide me copy of break down of charges, any interest, payments that were made, the amounts and the date payments were posted. All pages of signature contract or original pen ink and any other documents that has my name on them. Please fix this matter by removing this account from your credit bureau reporting system. I suggest that you get on this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I asked them who the creditor is not he alleged debt. I then commanded them to cease and desist reporting that alleged 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 2021-05-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have XXXX credit card with Chase Bank. In the past I've always been credited 1 free night on XXXX of each year of my membership. However, this year I have not receive the free night award along with this credit card even though it's advertised as the included benefit. I've already paid the annual fee and I still have not received the annual free night award like usual and it's been almost over 2 months. 

I contacted XXXX but they said the responsibility is with Chase Bank. I then contacted Chase Bank XXXX credit card representative on XX/XX/XXXX and I was told that they will contact me back and research to credit the amount. However, I still have not received any calls about this. 

Please see the attached screenshot from my XXXX account showing that File 1 - showing my XXXX account number File 2 - showing in XXXX and in XXXX, I received the XXXX Annual Free night award as part of Chase credit card benefit on XXXX. However, this year I did not receive any!! 
File 3 - showing that I did not receive any free night award this year XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
I have fake numbers, addresses, names on my credit report. I owed collections and had it removed off my report. A credit agency falsely put money on my report a agency went out of business was bought by another one and moved my credit over to the new company Portfolio Recovery with out my permission they also put an address on my report that made it hard to remove with a dollar amount, I never lived at the address. I found out checking my report on my free time. Someone tried to get my information threw my Landlord saying I owe a fake bill since I had the money removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27 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:
These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -EQUIFAX XXXX -- XXXX XXXX Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: MS

Complaint narrative:
I submitted a dispute to lexis nexis by phone in XXXX of 2021 about a chapter XXXX bankruptcy that is reporting on my credit file that does not belong to me. The company claimed to have investigated my dispute and stated that the information was verified by the furnisher. After receiving their response, I reached out to the court that the information was supposedly verified by. The court stated that they could not find a record of such which matched my full name, social security number, date of birth, or address. The court also stated that they did not furnish nor verify ANY records to ANY credit reporting agencies or data reporting agencies. The problem with this public record is that it is not mine and is falsely reporting as being furnished by the recorder of deeds, the clerk of the court, or the municipal court which is not only false but also a direct violation of the fair credit reporting act. I want this record removed immediately from ALL sources

Company response to consumer: Closed with explanation