vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 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: FL

Complaint narrative:
I recently noticed some strange charges on my credit card statement online on XX/XX/XXXX. I immediately contacted Capital One and informed them of these fraudulent charges. They immediately cancelled my card and sent me a new one and removed the charges while they conducted their investigation. 3 days later on XX/XX/XXXX I received an email stating that my claim was denied and that the charges will be re-applied to my account. I contacted them directly and spoke to a Manager in the fraud department and they said that they would reopen my case and file an appeal and have their specialist look further into this matter. I patiently waited the 7-10 business day period for the investigation to be finished. I called back 13 business days later since I did not receive a call or an email in regards to the appeal. When I spoke to another manager in the fraud department they concluded that my card was obviously used and that they would not reverse the charges. 

Here 's the problem with that resolution, I live in XXXX, Florida and those charges were made from 2 restaurants and a parking garage in XXXX XXXX, California. They also were for fancy restaurants that even here in XXXX I would not regularly eat at since they are very expensive. Due to Covid, I have not traveled to anywhere other than a few cities in the state of Florida since XXXX of XXXX. How I am being held responsible for charges at these locations that are over XXXX miles from where I live? This is clearly fraud and Capital One does not want to uphold their 100 % zero fraud liability guidelines that they so proudly advertise. I have never been late on any of my payments since I established the account and even paid off my complete balance at the beginning of this year. All I want is for those 4 charges to be removed from my account, and also not be held responsible for the interest associated with those charges either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12 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: IL

Complaint narrative:
I disputed in XXXX unauthorized inquiries and multiple accounts that are not mine and several others that I was never late on and accounts that say charge off which is inaccurate as well. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021 major financial was removed off of my equifax credit report by equifax. This same thing happened with XXXX they have since put it back on. I have spoken to major financial they said they did not tell anyone to remove so it was done so without my or there authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: IL

Complaint narrative:
I disputed in XXXX unauthorized inquiries and multiple accounts that are not mine and several others that I was never late on. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted

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 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CT

Complaint narrative:
I havent received any collection notices and I was notified of a debt from iq collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Account was transitionedXX/XX/XXXX to BBVA. I have been locked out of account without any means of contacting BBVA. I was on hold 8 hours then hung up on. This has been 4 days without access to my funds or critical account information. I can't buy food. Can't pay bills. Can't deposit checks. I am sunk and they have no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NV

Complaint narrative:
Sunrise Credit Services reported an unpaid debt to XXXX XXXX XXXX XXXX XXXX to XXXX  and XXXX  credit bureaus on approximately XXXX XXXX. I have no knowledge of this debt and no historic dealings with this particular branch of XXXX XXXX XXXX. I have had an account with XXXX XXXX XXXX for internet services for the past 14 years which is currently paid and shows no amounts due. I contacted Sunrise Credit Services regarding this debt and they checked their records and were unable to locate any record of a debt by my name, social security number, or the partial account number listed on the credit report. At that point, they refused to take any measures to remove the false report from my credit reports. The representative stated that there was no way they could remove the information since she couldn't find it in their system. I requested help from someone more knowledgeable and was told all managers were " in a meeting '' and I should call XXXX XXXX XXXX to fix their mistake.. The representative was obviously lying and just refused to take responsibility.

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 2021-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC
State: MA

Complaint narrative:
I was approved through this brokerage for an FHA loan ; for XXXX XXXX XXXX . XXXX  XXXX XXXX NC, XXXX Due Diligence was paid, mortgage appraisal was paid, inspection paid, my fianc and I moved from opposite ends of the XXXX XXXX, in multiple Uhauls to attend a closing date XX/XX/2021. 
On the day of closing, ( 3 ) hours after my appointment with the lawyer ; it was communicated to me that I was being denied closure on my loan because my commuting distance & { dwelling of primary residence was more than 100 miles apart } This has left me homeless, living in my vehicle, all of the money invested non refundable, and my belongings in a storage unit. 
Im in XXXX, Im fully vested with XXXX ; and in its very nature can have me based anywhere in the country at any given time. I have never had an issue commuting to work in the ( 6 ) years Ive been flying. 
Are there exemptions protected under the Transportation and Railway Employee Act? It seems a bit discriminatory to not have something in place for those who work for solid companies but cant control the logistics of their profession. Any help or guidance you could provide would be great.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERIS BANCORP
State: NC

Complaint narrative:
XX/XX/XXXX. Started working with XXXX XXXX XXXX for a custom home ... XX/XX/XXXX. Prequalified for loan ( by another bank that notified XXXX XXXX XXXX ) ... 

XX/XX/XXXX. XXXX XXXX XXXX offered me 2 % discount to switch to their preferred vendor, XXXX XXXX @ Ameris Bank and agreed to pay my closing costs ( closing costs were denied with other bank ) ... 

XX/XX/XXXX. 
Ameris Bank provided a Loan Estimate with 4.0 % Interest Rate ... 

XX/XX/XXXX. 
I asked XXXX XXXX @ Ameris Bank for help and she referred me back to XXXX XXXX XXXX instead of a HUD counselor ... 

XX/XX/XXXX. 
I closed my application with other bank ... 

XX/XX/XXXX. 
Ameris Bank provided a Closing Disclosure with a 6.5 % Interest Rate ( increased 2.5 % from original estimate ) and although they read it to me on the phone they were unable to provide closing documents until a few hours prior to closing ( XX/XX/XXXX ) ... 

XX/XX/XXXX. 
XXXX XXXX XXXX started building the wrong house on my property and a stop work order was placed ... 

XX/XX/XXXX. 
Requested payoff amount from XXXX XXXX @ XXXX XXXX  with multiple emails requests and no response ... 

XX/XX/XXXX. 
Contacted random Ameris Bank Mortgage Officers and was referred back to XXXX XXXX. Contacted Ameris Bank Customer Service multiple times and my account information was unavailable and referred back to XXXX XXXX. Left message for Ameris Bank President for escalation and received a phone call back from XXXX XXXX .... 

XX/XX/XXXX. 
Work resumed on new construction and I was concerned about the timeline but XXXX XXXX ( XXXX XXXX XXXX XXXX  ) said he talks to XXXX XXXX @ Ameris Bank daily and he built about 40 homes last year ... 

XX/XX/XXXX. 
Called Ameris Bank customer service to request billing statements and loan history but its not available to customer service .... 

XX/XX/XXXX. 
Requested loan information from XXXX XXXX @ Ameris Bank / no response ... 

XX/XX/XXXX. 
Requested loan information XXXX XXXX @ Ameris Bank / no response ... 

XX/XX/XXXX. 
Requested address update and loan payoff info from XXXX XXXX @ Ameris Bank / no response ... 

XX/XX/XXXX. 
Called Ameris Bank customer service to request billing statements and loan history but its not available to customer service. Advised I was sharing information with my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I wasnt noticed by either XXXX XXXX  or Calvary portfolio of my account been sent to collection XXXX XXXX  closed my account sold it to third party and now they are telling me I need to speak with them but why would my account be open I have never sing a paper for my account to be open I request for this to be close immediately and removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Credit collection agency states I owe these two collections however when I sent validation of debt, they are unable to verify. This is a FDCPA violation of my rights. I demand these two collections be DELETED off my credit report immediately. They say they cant verify my information and I need to provide more but that is not my job to give them information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: MA

Complaint narrative:
I have two collections on my credit report from XXXX XXXX XXXX which they are unable to verify. I sent the letter stating they can not verify these collection debts are mine. Experian still reporting on my credit report after I demanded it taken off my credit which is a FDCPA violation of my rights.

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 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX reported medical bills on my credit report which is a violation of my HIPPA rights. Reported to all 3 credit bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX reported medical bills on my credit report which is a violation of my HIPPA rights. Reported to all 3 credit bureaus, Experian, XXXX, and 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 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: MA

Complaint narrative:
BBVA USA migrated all Simple users to their own BBVA accounts. This migration failed for a number of users, myself included. Ive been unable to reach BBVA by phone- long hold times followed by automatic hang ups. I can not access my account to setup a wire transfer to move funds. I can not close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: CA

Complaint narrative:
The credit bureaus continue to verify accounts in my credit report that are not accurate. They have ignored multiple requests of proof of verification and continue to report inaccurate information that is hurting my credit report and chances of obtaining future credit. I began disputing with the credit bureaus since XX/XX/XXXX and not once have they provided any proof of verification. 

The following accounts have been verified but maintain discrepancies in reporting : XXXX XXXX XXXX XXXX XXXX The following inquiries were not authorized : XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX Mortgage Reporters : XXXX XXXX ( TransUnion ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX/XXXX  XXXX  XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( TransUnion ) XX/XX/XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( TransUnon ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX/XXXX XXXX I ( XXXX  ) XX/XX/XXXX XXXX/XXXX  XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( TransUnion ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( TransUnion ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( TransUnion ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( TransUnion ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( TransUnion ) XX/XX/XXXX I have disputed these accounts and the credit bureaus can not furnish proof as requested in my letters that I sent to them via certified mail. I have attached copies of my most recent letters along with the tracking number.

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 2021-05-12 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: Applied Data Finance, LLC
State: UT

Complaint narrative:
Personify account is paid off and in full but show multiple late payments which is incorrect. When I have notified the company, they simply tell me that the information is correct but refuse to provide proof or assist furthers Payments made from XXXX account ending in XXXX : XX/XX/2021 ACH WITHDRAWAL PERSONIFY FINANC {$330.00} XX/XX/2021 ACH WITHDRAWAL PERSONIFY FINANC {$120.00} XX/XX/2021 ACH WITHDRAWAL PERSONIFY FINANC {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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:
Since XX/XX/XXXX, I have disputed an account ( XXXX ) to which I have no knowledge of. Equifax has refused and neglected to provide me with any verifiable proof that the account belongs to me. I submitted a follow up letter in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not received anything from them regarding this account, but they continuously update the Date Last Active. 

Also, I have disputed certain inquiries from XXXX  on my report, and that too, have been ignored. These accounts have no permissible purpose on being my report : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
OnXX/XX/XXXX I made a payment to XXXX XXXX for a car loan. This was my first payment The payment was processed. I check a couple times on the online system and it said the payment was processed. 
I received an experian credit report update on or aroundXX/XX/XXXX that said i have a late payment with XXXX XXXX. I checked the call in system and it said payment was processed onXX/XX/XXXX. I called the XXXX XXXX rep to find out what happened and she said payment was processed. I said your system told me it did. I found out that my bank gave me the wrong account instructions for my account. They wrote me a letter saying this was not my fault. That and also the XXXX  system telling me that the payment was processed gave me no way to no that I was 30 days lately. This is damaging my credit unfairly

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 2021-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
PayPal has placed a random and unnecessary limitation on my account stopping up my daily business. 

Insubordination by representative, XXXX, at PayPal ... agent claims that he sent a message to operations claiming that I will not submit requested photo ID to verify account exposing personal information and risk. Customer will not be treated unequally to any other PayPal customer who is not required to upload personal photo identification. 

Allegedly and according to agent XXXX, this limitation stems from a dispute through XXXX in XX/XX/2021, and evidently PayPal lacks communication skills in order to obtain dispute resolution records with their partner in crime, XXXX. 

This was the exact message from PayPal upon limiting my account. 

" We need some info from you We noticed that there were some changes to your account activity. To understand this better, we will require some information from you. 

Until we receive your information, some features in your account will be limited. You'll be able to regain access to these features once you provide the information we've requested. 
If you're unable to submit the required information by XX/XX/2021 or if we notice additional changes in your account activity, your access will be further limited. 
Reference ID : XXXX Well start our review after you have completed all of the below required tasks. ''

Company response to consumer: Closed with non-monetary relief