vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-23 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: MO

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. II feel like I'm 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 promptly. I demand these accounts be deleted immediately or I will file for litigation 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 2021-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX XX/XX/XXXX I requested an investigation because I felt the item is not being reported legally, and I received documents dated XXXX XXXX 2021 and XXXX XX/XX/XXXX2021 stating that their investigation was complete. Transunion and XXXX claim to have somehow verified erroneous information ; therefore, I legally requested a description of the procedures used to verify this information. Transunion has not sent any proof from any of the alleged creditors to proof this alleged debt. 

Notwithstanding, Under 15 U.S. Code 1681b- Permissible purposes of Consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I have not ever given my consent to furnish these debts owed to me. Therefore, it is identity theft.

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 2021-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I checked my credit report and saw two late payments reported for XXXX and XX/XX/2019. I contacted capital one to let them know I needed the payment plan for a couple months as a transitioned to a new job after the death of my wife. I never received any correspondence via email or by mail so I assumed everything was copacetic. Now im in the process of purchasing a new home for my kids since their mother passed away due to XXXX and these late payments appeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Acima is refusing to follow consumer laws as reported in my last complaints. They are saying the laws don't comply to them because they are not creditors or give out any credit but their company name has the word credit in it. It's on the emails and web page " Acima Credit '' which is misleading if they say that they are not a credit company. Can someone please explain this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
This is my second dispute notice and as I was going over my credit report once again Inoticed some accounts that do not belong to me. The accounts need to be deleted from mycredit report immediately. Other accounts have been transferred to other offices and arenow showing up twice on my credit report. This affecting my ability to buy a home. This is anact of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair creditreporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -PHOENIX FINANCIAL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have received six phone calls in a couple of hours from five different numbers all claiming to be XXXX in regards to a {$720.00} dollar purchase in XXXX, Ohio that I have NOT made. I called the XXXX store and they claim NO calls have been made by them and they do NOT call. I never answered the calls for I figured they were fraud. 
The numbers are as follows : XXXX at XXXXXXXX XXXX XXXXXXXX XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX And XXXX at 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 2021-05-23 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: CITIBANK, N.A.
State: CO

Complaint narrative:
Recently received correspondence from CITI following my most recent complaint about this account. The response by their complaint specialist was not true as it relates to my credit reporting for this account. This account continues to report a balance of {$3.00} and per CITI 's guidance I have reached out to all three credit bureaus. Each have confirmed they are reporting the balance that CITI provides and they are not able to report a balance on this account. This is not a credit bureau issue, it's a CITI Cards issue. All three credit bureaus informed me to contact CITI in regards to this balance. Please refer to my attached credit report from XXXX and see page 45. XXXX is reporting a balance on this account. Since then, my XXXX  and XXXX credit profiles has updated to report a balance. After disputing each of them, the balance will reflect to {$0.00} for a few day and then will update again. 

To note, the representatives with the recovery department ( including first line workers and managers ) continues to provide inaccurate information regarding the details of this account. I have called their department multiple times this months and I've been told they can not discuss the balance ; yet, multiple representatives have told me there is a current past due balance for this account and have asked for payment. Recently, I received a letter in the mail dated on XX/XX/2021 ( which is attached to this complaint ) stating CITI has requested all three credit bureaus to delete this account from my credit report. This letter was from an internal dispute through their credit dispute department submitted in XX/XX/2021. However, roughly XXXX XXXX  prior to receive the letter on XX/XX/2021 I spoke to a manager in the recovery department, named XXXX, and she told me the internal credit dispute through CITI was denied and I will be receiving a letter stating such. So, which is accurate? Will this account be removed my credit report or was my dispute denied. I do not know. At this time, this issue has not been resolved through the company, the credit bureaus or CFPB. I have no other method for resolving this account other than further formal means. I am requesting a full delete, apology from CITI Cards.

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 2021-05-23 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: VA

Complaint narrative:
XXXX and Equifax are currently still reporting an account from XXXX XXXX XXXX that the company itself has said to be deleted as the account was inaccurate. 

In XXXX of 2021 my husband and I sent a joint validation letter to XXXX XXXX XXXX in regards to an entry listed on my credit report. XXXX responded that they were not collecting on this account and the account had been sold to a collection agency, XXXX XXXX. I then sent a copy of this letter to all 3 major credit bureaus and was deleted from just XXXX on my credit profile and XXXX  and Equifax on my husbands credit profile. 

Later in XXXX of 2021 we sent a validation letter straight to XXXX XXXX requesting a proper validation for this account. We received two letters dated just a day apart stating that XXXX did not have knowledge of this account and the other stated that they were ceasing collection on this account. 

Each month I have sent copies of these letters to XXXX and Equifax requesting deletion of this account but it is still listed. I would like to have this account removed as it is causing serious harm to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SLM CORPORATION
State: MD

Complaint narrative:
I was the holder of an 18 month CD maturing on XX/XX/2021. 
Sallie Mae Bank failed to provide, in any manner, notice of CD maturity as required by section 1030.5 ( b ) ( 1 ) of the CFPB regulation ( for time accounts that renew automatically at maturity ). Because of Sallie Mae 's breach of this requirement, I missed the stated maturity date by a few days, and notified Sallie Mae of my election not to renew. Sallie Mae has wrongfully imposed the interest penalty for a certificate-holder 's failure to give timely notice of non-renewal. The CFPB requirement for a bank to give at least 30 days notice of impending maturity is obviously intended to give a certificate holder time and practical opportunity to timely elect renewal or non-renewal of a CD. Since Sallie Mae did not give the required notice, it is not entitled to collect an interest penalty, and thereby benefit from the bank 's own fault. 

Salle Mae 's representative claims that the bank gave notice by email. I did not receive any such email from Sallie Mae ( and indeed have never received any email or written communication at any time from Sallie Mae concerning the CD ). ( I do not use any email blocker that would have blocked any email communication from Sallie Mae. ) In any case, it is the bank 's regulatory obligation to use a practically effective means to " mail or deliver '' notice of maturity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have a paypal account, it was permanently limited in XXXX, then the balance was available for withdrawal in XXXX after 180 days. 
Its XXXX, I'm trying to add a bank and debit card in my paypal in order to withdraw the funds, because I linked bank has been closed and linked card is a prepaid gift card. 

So, must I need to add bank, I called paypal multiple times last 3 months but no agent helped me. They said I have to wait 48-72 then refreshing my account but that was useless. Eventually, they said the XXXX system doesnt allowing me to add a bank or card. It says " Sorry! We can't link your bank account right now! '' I dont want to get a check, if I wanted I should've already get it on my own. 

I think its XXXX of paypal monopolist business policy, they dont override my issue, they dont help. All they want is only hold my about XXXX $ balance. 

My paypal email is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: CA

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. II feel like I'm 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 promptly. I demand these accounts be deleted immediately or I will file for litigation 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 2021-05-23 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 45 days later, I have not received a response yet. It seems my disputes are being ignored and I feel like I'm being taken advantage of. 

It is plainly stated in Section 611 ( a ) that a failure to investigate these items within a 30 day time frame is reason enough to immediately remove said items from my credit report. Let me remind you, it has been more than 45 days since the time of my dispute - so these items should be deleted from my report promptly. 

I demand these accounts be deleted immediately as I am seeking litigation due to the financial stress this has caused. 

Note : it has also come to my attention that my information was impacted by the XXXX data breach some time ago AND the more recent XXXX breach.

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 2021-05-23 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 45 days later, I have not received a response yet. It seems my disputes are being ignored and I feel like I'm being taken advantage of. 

It is plainly stated in Section 611 ( a ) that a failure to investigate these items within a 30 day time frame is reason enough to immediately remove said items from my credit report. Let me remind you, it has been more than 45 days since the time of my dispute - so these items should be deleted from my report promptly. 

I demand these accounts be deleted immediately as I am seeking litigation due to the financial stress this has caused. 

Note : it has also come to my attention that my information was impacted by the Equifax data breach some time ago AND the more recent XXXX breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent attempted to collect a debt they did not own. They filed an abstract judgement on my homestead property. They attempted to garnish my bank account which is not legal in Tx. I got an attorney XXXX XXXX we negotiatedo the debt. I paid on it for 3 years per agreement payment to Attorney XXXX XXXX. They stop cashing my checks XX/XX/XXXX. I called debt collector attourney numerous times no response. Called my attorney no response. I sent another cfpb XX/XX/XXXX # XXXX lawfirm did not respond

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Identity theft. My wife and I are both XXXX elderly retired citizens with an excellent credit rating and NO criminal history. Our credit card information was stolen via PayPal/Synchrony Bank. It has been used for two purchases to XXXX XXXX and one to for a {$3000.00} laptop computer. The criminal obtained my personal information from XXXX XXXX via PayPal Synchrony bank. He opened a credit account at PayPal 's Synchrony Bank using my Visa and personal information.. He obtained the {$200.00} cash credit limit on this card at XXXX XXXX. XXXX XXXX now demands that I pay the XXXX XXXX dollars even though they know I have been hacked. They call us every two hours, 24/7 days a week. PayPal who previously stated I would not be held responsible is aware but not making any effort to rectify the situation with XXXX XXXX. We have notified Social Security and the FTC who both advised we make a Police report. Information of the order of the laptop computer reveals the name " XXXX XXXX e-mail : XXXX. His address reads : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. We have contacted our Visa Credit Card provider and made them aware. XXXX XXXXSynchrony Bank state they will take us to court for the incident, thus we will use this notification in part of our defense.

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 2021-05-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX is showing up as 2 late payment and the account is closed with a XXXX balance it was opened on XX/XX/2014. It was shown as payed never late as agreed but showing on my report as 2 late payments. I have never been late on my account and never will .I then know that it is show this and I know that this is inaccurate charges.

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 2021-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
Binance duplicated one deposit into 3 deposits on XX/XX/XXXX. So instead of {$400.00}, they took {$1200.00} from my bank account. I tried emailing them for weeks, but they won't get back to me. 

So my bank disputed the extra charges, then Binance deducted funds XXXX {$600.00} XXXX from my account. 
Then, they blocked my account from buying or selling or withdrawing money or cryptocurrencies. So I couldn't sell or get my money out of that account. 

I tried contacting them so many times, telling them I need my account back so I can sell my coins and not lose more money, i even told them to please just deduct whatever you want from my account and let me get my money out, I tried emailing them to ask them to help me get my money and close the account. I tried emailing them so many times, they never answered my emails and requests. 

Now I keep losing money and they won't even let me get my funds out of there, and they won't answer any emails. They don't have a phone number neither. They have locked my funds. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: PA

Complaint narrative:
I contacted TransUnion and XXXX regarding the reporting of information in which i did not give my consent. 

According to 15 USC 1681b - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


On XX/XX/2021 I contacted both companies via a written dispute demanding that they remove the account from my consumer report as it is a violation of my consumer rights and I never gave TransUnion or XXXX  any written consent to report the account to my credit report. I never received a response from either company or deletion of this account from my consumer report. 

Account Listed XXXX. Account # XXXX According to federal law the FCRA states that these consumer reporting agencies have 30 days to respond and failure in doing so they must immediately delete the disputed item from the consumers report. Failure to do so is a violation under Federal Law.

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 2021-05-23 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: PA

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. II feel like I'm 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 promptly. I demand these accounts be deleted immediately or I will file for litigation 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