vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
This is XXXX, Venmo froze my account n XXXX the money, they did it twice to me before that with PayPal. 
We need to contact the district attorney and ny state attorney general. 
They are not allowed to get away with thisPeople that run companies in such a negative manner are toxic to society, they can take what they want, when they want, change this policy and that policy whenever, however, freeze accounts/unfreeze accounts and hold our share for their own XXXX XXXX/agenda ( s ).

So I suppose while we are being ripped off, trying to make an honest living, Similar issue just happened to a friend of mine trying to pay me for rent. They paid the wrong person by mistake and now have frozen her account which leaves me left without the funds. If this isnt resolved quickly we may be looking for a new place to live. So frustrating and their support people are evasive and refer you to email only. Absolutely unacceptable customer service., I found that my venmo account had been frozen and all of my funds that I had at my disposal were being held. I spent countless hours chatting with a vast army of representatives before finally hearing from an account specialist via email. They stated that I had broken one of their policies and that my funds could be held for up to 180 days for loss prevention purposes. I stated that the only loss was my money. No matter what I did, they still have not told me exactly why my account had been frozen. I have XXXX XXXX and some change lock in my venom account and for trying to transfer out to my bank my account was frozen and after complying with thier requests for my back account statements my account was no link nger available to me with my money taken by them This is total XXXX we all should stand together and file a law suite against these XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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:
I sent a letter on XX/XX/XXXX, regarding inaccurate and unknown things on my credit report. To date, well over 30 days later I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes, I do not like that. Section 611 ( a ), plainly states that a failure to investigate these item within 30 days gives a reason to immediately remove those item from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for XXXX  due to the stress you have caused me. My information has also been impacted by the Equifax data breach and may have been in possession of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Close account without 45 days notice regarding the APR

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 2021-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
We have a mortgage with Citizens Bank on auto pay since XXXX. Suddenly XX/XX/XXXX we can't pay our mortgage. All payments are reversed. Payments are coming from our XXXX XXXX Account, which they forced us to open with the mortgage. Concerned about staying current, we transferred over {$3500.00} from the XXXX XXXX to the XXXX XXXX, which was shown as removed from our checking account but was NOT credited to our Mortgage. We spent hours and hours on the phone, only to be shuttled between Banking and Mortgage departments. No one could explain or help us. Finally, they said that we changed the account number on the Checking account, which the online banking portal does not allow a consumer to do. They promised us a call back, which they did not honor. We made a phone payment from a checking account with another bank, but we are not sure that this will be credited to our Mortgage, thought the money is showing debited from the other checking account. It looks like they are stealing our money. My husband and I have each spent hours on the phone with them and they can't give us any explanation or help us in any way. Very concerned about what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
XXXX XXXX  currently has a checking account # : XXXX open in my name. The checking account is a fraudulent checking account thats not my checking account. I never opened the checking account. The checking account dont belong to me. I want XXXX XXXX  to immediately close the checking account and online banking access to the checking account thats currently in my name. The checking account dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: CrossCheck, Inc.
State: MN

Complaint narrative:
I am a victim of identity theft. Theres fraudulent accounts and negative information listed on my Cross Check , Inc., Consumer Report. The accounts and information is all fraudulent accounts and information, not my accounts or information, and dont belong to me. I was just released from prison and I was incarcerated for over 17 years. Review the attached documentation. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have contacted capital one on multiple occasions regarding this debt. It was never a debt owed to capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: MN

Complaint narrative:
I am a victim of identity theft and theres fraudulent accounts and negative information currently listed on my Clarity Services Consumer Report. All the accounts and information currently listed on my Clarity Services Consumer Report is fraudulent, not my information and dont belong to me. I am a victim of identity theft. I was just released from prison and was incarcerated for the last 17 years. Review the attached document. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : 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 2021-06-27 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: LA

Complaint narrative:
I am a Victim of Identity Theft and was advised by the Federal Trade Commission that I should file a report or complaint with the Consumer Financial Protection Bureau to resolve this matter and issue of fraudulent items reporting on my credit 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 2021-06-27 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: LA

Complaint narrative:
I am a Victim of Identity Theft and was advised by the Federal Trade Commission that I should file a report or complaint with the Consumer Financial Protection Bureau to resolve this matter and issue of fraudulent items reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am a victim of identity theft. Someone opened numerous Sun Trust Checking accounts in my name, using my personal information and home address. I have never opened a checking account with Sun Trust Bank. The checking accounts that was opened with Sun Trust Bank was all fraudulent checking accounts. I was just released from XXXX  after being XXXX for over 17 years. Review the attached documentation. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX, Home Address : XXXX XXXX XXXX. XXXX XXXX, XXXX, MN 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 2021-06-27 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I've Expressed That I Am Unable To Pay Outstanding Debts With Said Creditors Due To Existing Health Conditions/ Issues And Financial Hardships Due To A Fixed Income Along With The Global Pandemic Of Covid-19. I Have Asked The Company If They Would Be As So Kind As To Forgive The Debt And File A XXXX And I Have Yet To Hear Back From The Company About Working With Me Regarding The Debt In Any Capacity. I Would Like To Make A XXXX XXXX XXXX Synchrony Bank For Not Being Willing To Work With Me Regarding Debt Owed.

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 2021-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GB Collects, LLC
State: NC

Complaint narrative:
On XX/XX/2021, I received a debt collection notice pertaining to an outstanding balance for a previous auto insurance policy. I had no prior knowledge of the amount and was caught completely off guard by the collection notice. 

I have never received any written notice or telephone calls from my former insurance agent about the alleged debt and switched my auto insurance to a different company. Before doing so, however, I waited until my policy expired. There was no money owed at the end of the policy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: OH

Complaint narrative:
After 2 disputes submitted and denied by XXXX, Equifax, and XXXX, XXXX XXXX still FALSLY misleads submittals to these credit agencies by writing that I " Paid '' the past-due amount but then WRITES -- " {$730.00} Written Off ''. XXXX XXXXXXXX XXXX slowness in internal processing lead to their statement of " {$730.00} Written Off '' in the Account with XXXX  XXXX in XXXX. In addition, I believe the simple remedy is for the 3 Credit Agencies, at least, AND if possible to include XXXX XXXX, to list the TRUTH in my 3 credit reports as " Paid. Account Closed ''. 
Lastly, they mistakenly state that my account was opened until XXXX. I believe this is a FALSE statement because it was settled much earlier about XXXX, which would lead to it being deleted all together due to the 10 or 7 year listing of such item being EXPIRED for being listed in current credit agency listings. XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: Pavilion Payments US BuyerCo, LLC
State: MN

Complaint narrative:
I am a victim of identity theft. Theres fraudulent accounts and negative information listed on my Global Payments Check Services , Inc., Consumer Report. The accounts and information is all fraudulent, not mine and dont belong to me. I was just released from XXXX after being XXXX for over 17 years. Review the attached documentation. My consumer report should be clean and positive with Global Payments Check Services , Inc., Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
A joint debt was opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$12000.00}, {$9000.00}, {$3900.00}, {$0.00}, {$960.00}, {$18000.00}, {$4900.00}, {$5300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account. 

4. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

5. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account. 

7. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

9. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have disputed many of the inaccuracies being reported by Experian using their online complaint procedures and Experian refuses to have my credit report showing accurate and positive information. Experian has many old accounts that are included in bankruptcy reporting derogatory and collection and showing as if it were still debt. I have absolutely no new derogatory or collections on my report in the past three years. The inaccurate reporting is stopping me from making good efforts in repairing my report. XXXXXXXX XXXX ( along with other accounts ) should have been removed from the report along with other debt included in my bankruptcy. I feel Experian denying my rights to repair my credit by using old accounts against me even after showing proof these accounts are part of bankruptcy. I will provide an example with attached photos. 

Experian is quick to report ALL negative stuff but very very slow to report positive. For example, a new inquiry hits the Experian report within minutes. Balances on good standing accounts remain the same after positive payment history. I have made OVER {$1200.00} worth of positive payments absolutely NONE reported! Ive obtained new credit only one reported and showing but not updated because it was paid off.

I have my debit card linked and every single time the balance changes Experian sends notifications This is 100 % unfair credit reporting!!! I have been maintaining all positive behavior for three plus years and Experian is totally disregarding all of it!

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 2021-06-27 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: Early Warning Services, LLC
State: MN

Complaint narrative:
I want Early Warning Services to immediately send and mail me a complete copy of my Early Warning Services Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am requesting that Chex Systems , Inc., immediately mail me a complete and updated copy of Chex Systems Consumer Report : 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 2021-06-27 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: CBC Companies, Inc.
State: MN

Complaint narrative:
I want Innovis to immediately send and mail me a complete copy of my Innovis Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I have a Mortgage owned by XXXX XXXX. My Servicer is ShellPoint Mortgage Servicing. My whole family contracted XXXX XXXX. I have been a very regular customer for a decade or more, until XXXX struck terror and tragedy on my family. Unfortunately, my husband died in the Hospital due to XXXX, after suffering for over 10 days. I very narrowly survived after badly suffering for 3 weeks. So also my XXXX and XXXX XXXX, who are lucky to XXXX after weeks of XXXX. I sent them the XXXX XXXX and also explained that I am mentally and physically completely drained out. I have requested the Forbearance upto XX/XX/XXXX, as per XXXX XXXX guidelines. They gave me Forbearance from XX/XX/XXXX and every 2 months, they used to harass me for extensions, instead of giving me for 6 months at a stretch. Now I am receiving harassing letters and calls saying our Forbearance period is ending with this Month and if I do not start repayment my Loan/Property will go into foreclosure. Instead of helping a widow like me, who underwent XXXX of an experience with XXXX XXXXXXXX, they are harassing me and discriminating me, as I am a helpless woman. Are they not supposed to follow the XXXX XXXX guidelines? Is there no one to regulate them and take them to task for violating the Govt. guidelines, with impunity and harassing and discriminating hapless people like 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 2021-06-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
fcra violations not mine : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
After 2 disputes submitted and denied by Experian, XXXX, and XXXX, XXXX XXXX still FALSLY misleads submittals to these credit agencies by writing that I " Paid '' the past-due amount but then WRITES -- " {$730.00} Written Off ''. XXXX XXXX 's slowness in internal processing lead to their statement of " {$730.00} Written Off '' in the Account with XXXX XXXX in XXXX-XXXX. In addition, I believe the simple remedy is for the 3 Credit Agencies, at least, AND if possible to include XXXX XXXX, to list the TRUTH in my 3 credit reports as " Paid. Account Closed ''. 
Lastly, they mistakenly state that my account was opened until XXXX. I believe this is a FALSE statement because it was settled much earlier about XXXX, which would lead to it being deleted all together due to the 10 or 7 year listing of such item being EXPIRED for being listed in current credit agency listings. XXXX XXXX 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