vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 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: WA

Complaint narrative:
On XX/XX/2021 Washington state unemployment deposited {$6000.00} into my PayPal account after waitIng 3 months to get approved. This is the same day that Paypal decided to close my account for no reason. They will not help me with getting it back up and going.its unethical for Paypal to deny their clients of their unemployment money during an emergency pandemic. I have not been able to get help from them, they will also not explain to me why my account is closed. I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04 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: FL

Complaint narrative:
I'd like you to remove some information that isn't mine from my credit report as soon as possible. I've lodged a Identity Theft report, which I've attached to this letter, alleging that these accounts are not mine and that my identity might have been stolen. 
I've included a list of the accounts in Identity Theft report. 

I'm not sure how these charges ended up on my credit report, but I never approved or consented to them. I have no idea who provided you with this information! I'd like a screenshot of whoever says these accounts are mine because I do not recognize them.

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 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Brown’s New Credit Bureau Inc.
State: AZ

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: NJ

Complaint narrative:
Honestly this is the last time im going to resolve this issue with you guys before I follow suit with my lawyer. I have submitted a complaint back in XXXX because I did not get a response from XXXX XXXX or transunion since XXXX and NOTHING was resolved. They claimed the responded to the complaint and investigate and LIED. They falsy validated these accounts attached because it is still reporting different dates across all three credit bureaus. They did not sent me anything to validate the accounts. I ran out of patience and tried everything to not bring this to my lawyer since I gave them 5 months. I submitted a complaint and nothing updated. Please look into what these credit bureaus are doing because they are clearly violating my rights as a consumer and going against FCRA. I need these accounts deleted because they did not properly validate ANYTHING reporting different information to each credit bureau. 

Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part of the purpose of serving as a factor in establishing the consumers eligibility for 15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 

The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, pr other entity. 

All of the companies listed below are CORPORATIONS as defined by congress as a person. 

Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW!! You are in direct breach of the federal laws put in place to protect the consumer.

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 2021-03-04 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: NJ

Complaint narrative:
Honestly this is the last time im going to resolve this issue with you guys before I follow suit with my lawyer. I have submitted a complaint back in XXXX because I did not get a response from XXXX equifax or XXXX  since XXXX and NOTHING was resolved. They claimed the responded to the complaint and investigate and LIED. They falsy validated these accounts attached because it is still reporting different dates across all three credit bureaus. They did not sent me anything to validate the accounts. I ran out of patience and tried everything to not bring this to my lawyer since I gave them 5 months. I submitted a complaint and nothing updated. Please look into what these credit bureaus are doing because they are clearly violating my rights as a consumer and going against FCRA. I need these accounts deleted because they did not properly validate ANYTHING reporting different information to each credit bureau. 

Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part of the purpose of serving as a factor in establishing the consumers eligibility for 15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 

The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, pr other entity. 

All of the companies listed below are CORPORATIONS as defined by congress as a person. 

Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW!! You are in direct breach of the federal laws put in place to protect the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Lendmark Financial Services
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks dated on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I opened an account with CitiBank in XX/XX/XXXX, and funded the account approximately 3 weeks later in XX/XX/XXXX. On XX/XX/XXXX, the account was closed without my knowledge and I was not contacted. I logged into the online banking system on XX/XX/XXXX and the money was gone from the acct and it showed closed. I have called more than 5 times and gotten 5 different stories that the account was closed due to suspected fraud, even though I transferred the funds from another bank and verified my account and personal information with them multiple times. 2 weeks later I dont have access to the money and am being told it will be longer. At one point customer service told me they would be reopening the account but that was a week ago. I have waited on hold for hours and gotten nowhere. I would like to have access to my money that I deposited.

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 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
While a student attending XXXX XXXX XXXX XXXX in XXXX XXXX, TX my mother leased a home on or about XXXX from XXXX XXXX XXXX  and was required to provide information on all persons residing at the property. I graduated XXXX XXXX in XX/XX/XXXX moved away and enrolled in XXXX University. On or about XXXX when applying to rent an apartment from XXXX XXXX  in XXXX, Tx, I learned about a Collection account ( total : {$11000.00} ) entered into my credit file with XXXX, XXXX, and XXXX. I informed my mother and she executed an affidavit for the property management stating that I was not a guarantor on the lease agreement and she was and is the responsible party. So I was allowed to rent the apartment unit. 

I also, drafted a letter to the collection agency which included the affidavit from my mother demanding proof of the debt and to remove it from credit file ( see attached Letter to CBSA Collections ). The agency responded but did not provide proof that I am responsible for the debt ( see attached Letter from CBSA Collections ). I then submitted a letter to the Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) informing them that the Collection Agency did not provide proof that I am the owner of the debt and requested that they remove the collection account from my credit file, however they refused. On XXXX, I sent a letter to XXXX XXXX XXXX demanding they send proof that I am the owner of the debt and to remove the Collection from my Credit File, to which they have not responded. Also, while corresponding with the XXXX XXXX XXXX XXXX, via email, it was stated that there was not an eviction case filed ( See attached document ) This debt does not belong to me and the CBSA Collections nor XXXX XXXX XXXX, nor the Credit Reporting Agencieshave verified that the debt belongs to me. It isimpacting my ability to lease housing and obtain credit lines and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC
State: WA

Complaint narrative:
Received literature in the mail on XX/XX/XXXX, it says this debt is from XX/XX/XXXX. I called them while sick with COVID, I do not know of any existence of this debt, Mr.XXXX wasn't wanting to hear me only wanted to pitch his bogus training at trying to collect information. From what The Statues of Limitation in the state of Washington and any sale offs this is a Old ( time-barred ) debt, if at all any such debt. I think this is a harassment and Abuse. The company is Radius Global Solutions LLC. XXXX  XXXX XXXX XXXX, MN XXXX. I am on SSI.

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 2021-03-04 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
The Federal Fair Credit Act promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies. Target red card is reporting inaccurate information regarding payments and closure dates. Attached is all the documents supporting my claims. Contact Target spoke with a supervisor # Taps ID # XXXX on XX/XX/2021 paid in full and closed the account! She refuse to provide me with proof! Contact Target again supervisor XXXX # XXXX on XX/XX/2021 ask her to provide proof she refuse! Target refuse my rights as a consumer!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
Request for VALIDATION, NOT Verification XXXX XXXX XX/XX/2021 Bureau of Med Economics XXXX XXXX XXXX XXXX XXXX, AZ XXXX RE : Account # XXXX and Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

You are reporting inaccurate information to the credit bureaus. I dont recognize this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
If we modified in XX/XX/XXXX, we were billed approx XXXX for modification. 
Lender billed XXXX for 8 months of payments which included interest principal and escrow.. principal payments were deducted from principal balance, but Escrow of over XXXX was not credited and interest also was not reported on 1098 form for XX/XX/XXXX. 
We were billed for escrow, yet we started year as a minus of XXXX even though thru our payments and modification we paid over XXXX for escrow. 
Also fees charged for legal fees when modification was delayed by lender added extra cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
Have tried many times in many different ways to speak with someone, at XXXX who is servicing my home loan. The communication involves an impound account that was supposed to have been set up for my homeowners insurance. My insurance company also tried unsuccessfully. My rate was based on setting up the impound account. In addition, I waited until the last minute, XX/XX/XXXX to send in my XXXX payment using my banks bill payor, with the idea I could talk with someone before sending in my payment. The only communication I received was a late payment notice and a late fee of XXXX XX/XX/XXXX, the last date to be received without penalty was XXXX XXXX. They received payment on the XXXX. I am asking that the late fee be waived and also request information how I can communicate with this loan servicing company. I have called a minimum of XXXX times, written several requests using there online forms, left phone messages, and even called their parent company who did not help. I really do not know what else to do. The only phone number given to customers so far has only taken me into circles. My home insurance, credit rating and penalties are involved.

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 2021-03-04 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: AES/PHEAA
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I closed my Amazon account with a XXXX balance last summer, about 8 months ago. Every consultant I have spoken to has indicated that I would not have been able to close the card if the account wasnt paid, now I am being harassed for over {$300.00} in late fees and surcharges. How does one acquire late fees and surcharges on a closed card with a XXXX balance. I have requested records more than 3x, and still have not received anything from Amazon to validate or sustain their claim that I owe them a 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 2021-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Compass Recovery Group, LLC
State: MD

Complaint narrative:
I received a phone call yesterday XXXX from CRG representative who stated the she was calling let me know that I was being sued and that she had information regarding the current lawsuit with XXXX county court of collections or something of that nature. I asked who was calling and she we are with court regarding a lawsuit filed against by credit one. She asked me if I knew about the lawsuit I said no. She then told me about my history with card, I then said to her just to let you know this call is being recorded. She then hurried up and said, that this was an attempt to collect a debt. When I told her she violated my rights by threatening, and abusive behavior she lied and said she never said anything about an active lawsuit. I then told her that was against the law and I would file suit, she would take me off of the list. I then asked for the companies name, and address and she refused to give it to me. I then repeatedly asked for a supervisor and she gave me the information but I'm not sure if the information she gave was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
I transferred {$2400.00} to Robinhood Markets from my XXXX XXXX account. I did not purchase any investments with this cash. Robinhood has restricted my account without explanation and is asking to verify my identity before letting me withdraw funds. They are asking for a picture of my social security card, drivers license, and bank statement. I have a drivers license and bank statement, but I do not have access to my social security card. I am attempting to get a new social security card from XXXX but it has been challenging because all offices are closed due to covid. 

Robinhood is not responding to my requests to verify my identity in other ways, including providing a picture of my passport, copy of w-2, title to my home, proof of insurance, etc. They have not been responsive.

Company response to consumer: Closed with explanation