vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/2021, PayPal permanently limited my account. On XX/XX/2021, the company responded to a CFPB complaint with false claims that need to be addressed. PayPal mentioned that the main reason they closed my account was because : ( there was a high level of risk associated with your Account. Specifically, your Account exchanged several payments from an account that shares information with your Account. We can confirm the accounts share financials, address, and login information ). The account they're referring to is my wife 's account. Nothing is their terms and conditions prohibits members from the same household from having their own accounts or sending money to each other. I don't remember that we ever used the same payment method on the same account but most importantly, PayPal NEVER received a dispute on any transaction made through my account. Your review and closure of my account was not " periodic '' as you alleged, you closed my account after you closed my wife 's, post a phone call she made to your customer service. You closed my account based on false information and for that reason I'm requesting that you reinstate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: MA

Complaint narrative:
I booked a hotel room with XXXX  My credit card was charged XXXX. When I arrived at the hotel the desk said that the balance wasnt paid and then again rung in my credit card for XXXX. The hotel staff said my credit card was declined. So I paid cash. Then when I checked my statement I see that I was charged 3 times. Capital one keeps sending me a link that doesnt work to submit documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank limits the ability of consumers who have difficulties communicating via telephone to communicate with the bank since it does not allow consumer to properly respond to the written messages from its customer service by imposing severe liitations. 

Today I attempted to respond to a message from Citizens Bank with the following information : Note attempted to be send to Citizens on XX/XX/2021 '' 'The account XXXX has a monthly fee, so I would really appreciate that it is closed NOW. 

I am not able to delete the repeated transfer that I had previously scheduled to be made every month that now has the next instance set for XX/XX/2021 since I do not see it in the list of " Scheduled '' transfers. Please remove this transfer or, if you also do not see it, report the problem to Citizens Bank. 

Thank you -- -- -Original Message -- -- - Dear XXXX XXXX Thank you for your reply. 

We have processed your request to close your account Once a savings account reaches 60 calendar days at zero, it will terminate on the 61st calendar day ; a terminated account can not be reopened. 

Please note, closed and terminated accounts will continue to appear online until they are removed from our systems. In the meantime, you are able to hide this account by clicking on Settings which is located on the right just above the list of your accounts, on your My Accounts page. After clicking on Settings, check off Hide to the left of the account you wish to hide. 

To cancel or edit an online transfer, click on Transfer Money on the top or on the left of your online banking My Accounts page. 

On the next screen under Recent transfers click on edit or delete to the right of the Scheduled transfer you wish to edit or cancel. 

Click on delete to the right of the Scheduled transfer you wish to cancel, and then choose your option ( Cancel this transfer or Cancel all of these transfers ). If you wish to edit the transfer, click on edit to the right of the Scheduled transfer you wish to edit. On the next screen, choose your option ( Edit this transfer or Edit All These Transfers ). 

If you have any further questions or concerns, please call our Customer Service Center at XXXX and a representative will be happy to assist you Monday Friday XXXX XXXX and Saturday Sunday XXXX XXXX. 

We value you as a customer and appreciate your business. Thank you for choosing Citizens. 

Sincerely, XXXX XXXX XXXX XXXX ' When trying to submit this message I received the following notification : 'Error Received The information you requested could not be displayed. Please select " Go Back '' and try again. 
Go Back '

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
" CMI '' and " XXXX XXXX XXXX '' and " Crdt Management '', probably CMI Group, has been calling me every day, at random hours including before XXXX XXXX, utilizing a different phone number pretty much every time, making blocking their calls impossible. Their constant harassment has nearly caused me to lose my job, and I have gotten written up at work because my phone constantly ringing is a distraction to customers and coworkers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: American Credit Acceptance, LLC
State: IL

Complaint narrative:
Ive never looked into my credit before, and there was nothing in there, now when I just checked today XX/XX/XXXX, it had three soft inquires, from a auto loan. I do not own a vehicle. Due to the pandemic times are hard enough, now this is really weighing down on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA

Complaint narrative:
LAW OFFICES OF MBA {$740.00} on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of ..... 
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 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 for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

THEY NEVER RESPONDED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02 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: TX

Complaint narrative:
I have contacted Experian more than 10 times concerning XXXX  information on my consumer report and inquiries that I did not give written permission to be performed. I have requested that they respond by mail and they have not done so. They have violated me according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. Code 1681q. Obtaining information under false pretenses.

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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I like to file a complaint against XXXX XXXX for reporting inaccurate information on my consumer reporting file. They are reporting a bankruptcy that is inaccurate. When I contacted the Bankruptcy court listed on my credit files I was told " XXXX XXXX has no jurisdiction over credit reporting agencies and does not report to any of the agencies. The bankruptcy petition, schedules, and other documents are public records. Credit reporting agencies regularly collect information from cases filed and report the information on their credit reporting services. '' The Fair Credit Reporting Act ( FCRA ) which is a federal law regulates credit reporting agencies like XXXX XXXX and compels you to insure the information you gather and distribute is a fair and accurate summary of a consumers credit history. Under the FCRA you must investigate inaccurate, outdated, and unfair items on a consumers credit report. Doing further research on my part you perhaps get Public Record information from Public Access to Court Electronic Records ( PACER ). This however is not sufficient legal proof under the FCRA. The best way to do that would be for my social security number and date of birth to match yours, but its impossible because of Rule 9037 of the Federal Bankruptcy Rules. Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case. Specifically, Rule 9037 requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause. To address the privacy concerns resulting from public access to electronic case files, Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court. Filings that contain an individuals social security number, tax payer identification number or birth date, the name of a minor, or a financial account number may include only : The last four digits of the social security number and tax identification number, the year of the individuals birth, the minors initials and the last four digits of the financial account number. This makes it impossible for you to say with certainty that the Bankruptcy is in fact belong to me. I demand you to remove this bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. Per Federal Law you have 30 days to remove this bankruptcy from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
1 ) .XXXX XXXX XXXX Account XXXX Balance : {$1900.00} Most be deleted 2 ) .XXXX  Account XXXX Balance : {$20000.00} ( This Account is Reporting twice ) Most be deleted 3 ) .XXXX  Account XXXX Balance : Current {$0.00} ( This Account is Reporting twice ) Most be deleted 4 ) XXXX XXXX XXXX XXXX Account XXXX Balance : {$9100.00} Most be deleted Experian is reporting these companies listed above on my credit report for almost 10 years now. I do not know these companies nor have I ever had any businesses with these companies. These companies do not have any contract with my signature or proof that they have any account on file with my name on it. Experian most Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years. By law, credit bureaus are only allowed to list negative items for a certain amount of time. These accounts most be DELETED NOW.

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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Grain Technology, Inc.
State: WA

Complaint narrative:
I opened a credit account with this company since they claim they help consumers credit when on time payments are made. They do this by reporting to XXXX  credit bureaus. I opened an account with grain by paying a {$200.00} deposit and they matched that, so I have a {$400.00} credit limit. The account was opened in the middle of XX/XX/2021 and now it is XXXX and they still have not reported to any of the credit bureaus. I have emailed them twice and they guarantee a response in XX/XX/XXXX hours and its been a lot longer that and I still have not heard back anything. The only reason I opened an account with them so I can improve my credit but they are not reporting and its going on XX/XX/XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2021 we made a payment of {$12000.00} to XXXX XXXX, XXXX XXXX XXXX, XXXX, MA, XXXX at a XXXX XXXX account # XXXX XXXX XXXX. We subsequently learned that the account number was incorrect, XXXX XXXX does not have an account at XXXX. Please see attached for required fields in order to process payment - first name, last name , street address, city, state, country and postal code are all required fields for the transaction. Bank of America validated the recipient information. 

Subsequently, we learned that the account number was not correct and does not belong to the intended recipient. We immediately contacted Bank of America to put a hold on the transfer. Bank of America assured us that the funds are guaranteed to never make it through as there is a mismatch between the recipient and the account number. They assured us the funds should be back in our account the next day. 

To our surprise, the funds cleared from our account and were sent to the account number above, that belongs to a recipient unknown to us. To add insult to injury, we received a shocking note from Bank of America, simply notifying us that our claim to return the funds has been denied. This logic is equivalent to us sending a check to the recipient at an incorrect address and the receiving party depositing the check in their account, with a complete disregard for the fact that the intended recipient was someone else. 

As you can imagine, we rely on adequate security measures of large institutions such as Bank of America. In this instance, these security measures failed and we demand the refund of the full {$12000.00} so we can pay the intended recipient. 

Regards, 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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent many complaints and it has been over 3 months and still no change to my report all of the companies listed below in the attachment used my personal information without my consent. And still have yet showed proof of them having my permission to do so. I demand these thing be removed from my report 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 2021-11-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Mutual Financial Partners
State: TX

Complaint narrative:
XXXX XXXX represented himself as a XXXX XXXX Department, and not only talked to XXXX our company 's receptionist, but the head of Human Resource XXXX XXXX. 
he told personal information and had everyone looking for me like I was or am a criminal, for a payday loan, this is unacceptable and unlawful, I have reached out for a private attorney to have this person and company sued for defamation of my character. they left the case # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Georgia Student Finance Authority
State: CO

Complaint narrative:
Hello, I took out a Private student loan with GSF ( Georgia Student Financing ) in XXXX. I was attending XXXX XXXX XXXX. I did not complete the degree at that school. However, there was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which was {$10.00} a month. As a XXXX mother at that time, I was XXXX and could not even afford to pay it. After some time went pass for not making the payments, it was sent to collections. The tricky part about the collection agency reporting is that it is not reported under the collection agency, but still under ( GSFC ). So although I had to call GSFC per credit report, I would only be redirected to a collection agency. The first one was called XXXX XXXX and now the second is the XXXX XXXX. 

My first Complaint : There is a 2nd duplicate account opened under the same company ( GSF ), it was opened in XXXX and closed quickly ( Unknown reasons never given ). I asked for this to be deleted because there is an original account with the same information still active. I have tried numerous times with no success in them deleting it and no explanation why a duplicate account was made when the original account was still active. 

My 2nd Compliant : After occurring all the late payments adding up ( {$50.00} ) it was over {$1500.00} and I owed only around {$3000.00}. Although I made the payments sometimes, it never helped my credit, it still said late ( because the amount I owed was more than I was paying ). I decided to pay it all off and in hopes would have it closed and deleted because it is 7 years old ( and is considered a personal, private loan ). I tried to have it closed and deleted, but yet they will not delete it from my credit report. It was opened in XX/XX/XXXX and it is now XX/XX/XXXX. By Georgia Law, I thought that personal/private loans are only given 6 years to pursue it, and It is all paid now. So I see no reason why this is so hard for them. It would help my credit so much if they would delete the XXXX payment history and delete the account. 

I have a hard time communicating with them because although they are on the credit report as if they are the on reporting it, they actually are not and it's a collection agency. So I am always going back and forth from them to collections, to my credit reporting companies. I really need help, it seems no one is listening or cares on this matter. As a XXXX mother, I am ready to start new and really need this.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX, and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: CITIBANK, N.A.
State: PA

Complaint narrative:
on XXXX, i was reviewing a copy of my credit report and i seen some account that were opened in XX/XX/2021 and XX/XX/2021. I did not open these accounts and i would like to get them removed ASAP.

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 2021-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I've contacted the 3 major credit bureaus on several occasions informing them that the personal information that they are reported on my credit report is incorrect and inaccurate. I have yet to receive any response or see any change and/or update to my credit file

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