vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-07 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

Complaint narrative:
PayPal limited my account for no reason and will not help me with getting back my money because they hol it for 180 days and i really need my money. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: CO

Complaint narrative:
The company in question is Merchants Credit Guide. I had multiple accounts from them being reported on my credit report. I used my XXXX lawyers to submit debt validation letters in XXXX and have yet to receive any validation. All but one account were removed. Ive attempted calling them and the hospital to receive validation and still have yet to. Their manager, Ms. XXXX XXXX, has been very rude and insulted my service in the XXXX and told me Im wrong and should just pay my debts so I wouldnt have to deal with them. Incredibly difficult to work with. This specific account is from XX/XX/XXXX and the debt collectors received it in XXXX. This is affecting my job in the military as I have to XXXX XXXX due to this appearing on my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 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: NY

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$3400.00} Balance updated XX/XX/2021 Please help. They are not trying to help me. Its not my credit card

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 2021-05-07 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: NY

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$3400.00} Balance updated XX/XX/2021 Please help. They are not trying to help me. Its not my credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On approximately XX/XX/21, I received a XXXX XXXX card to activate for an account opened in my name at Wells Fargo. I did not open an account at this bank. I did not activate the card. 

About 2 days later, XX/XX/21, I received a PIN for this Debit card. 

There are no Wells Fargo Banks or ATMs near me for over XXXX miles. When I checked the customer service number on the card with the customer service number on the Wells Fargo website, they were the same phone 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 non-monetary relief
Consumer complaint received 2021-05-07 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: TX

Complaint narrative:
This is the second complaint attempt I have made to get the is issue resolved with your company. My first complaint was sent to the CFPB on XX/XX/21, and that complaint was sent back due to you stated that my complaint was submitted by someone other than my self. This could not be further from the truth. My complaints with your company are 1000 % legitimate and 1000 % from me and me only. 

Your company has shown no attempt to get my issues resolved. All you have done is at every turn attack my character, belittle me and my complaints, and cause me XXXX XXXX  and emotional XXXX I feel that your attempts to circumvent the rules set out by the FCRA. I also feel that this behavior on your part is a direct reflection of how you treat people of XXXX in this country. You have done nothing to aid my is correcting the issues with my credit profile even after I notified you that my information was compromised during the Equifax data breach which was 1000 % you fault due to your negligence. 

My original letter advising you of the issues you have caused due to your knowingly false reporting was sent in on XX/XX/21. Todate you have still ignored my complaints even though they are 1000 % valid and based on the rules set forth your failure to respond or act in a appropriate manner and remove all the questionable accounts and information in question presents a clear and present reason to remove all the inappropriate data in question. 

Please act accordingly and conclude your investigation and remove all the questionable and false reporting data in question due to you have had more than 30 days. This gives a clear and present reason to immediately remove those items from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is the second complaint attempt I have made to get the is issue resolved with your company. My first complaint was sent to the CFPB on XX/XX/21, and that complaint was sent back due to you stated that my complaint was submitted by someone other than my self. This could not be further from the truth. My complaints with your company are 1000 % legitimate and 1000 % from me and me only. 

Your company has shown no attempt to get my issues resolved. All you have done is at every turn attack my character, belittle me and my complaints, and cause me mental, physical and emotional stress. I feel that your attempts to circumvent the rules set out by the FCRA. I also feel that this behavior on your part is a direct reflection of how you treat people of XXXX in this country. You have done nothing to aid my is correcting the issues with my credit profile even after I notified you that my information was compromised during the XXXX data breach which was 1000 % you fault due to your negligence. 

My original letter advising you of the issues you have caused due to your knowingly false reporting was sent in on XX/XX/21. Todate you have still ignored my complaints even though they are 1000 % valid and based on the rules set forth your failure to respond or act in a appropriate manner and remove all the questionable accounts and information in question presents a clear and present reason to remove all the inappropriate data in question. 

Please act accordingly and conclude your investigation and remove all the questionable and false reporting data in question due to you have had more than 30 days. This gives a clear and present reason to immediately remove those items from my credit 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 2021-05-07 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: Checkr, Inc
State: TX

Complaint narrative:
I have been a victim of XXXX XXXX. On my background check appears information that does not pertain to me. Which is preventing me from having gainful employment and feeding my family because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: NV

Complaint narrative:
NCB Management Service has yet to validate debt and how i the consumer is obligated to pay this debt. 

Notice to all, I, am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, i would be happy to settle any financial obligation I might lawfully owe as soon as I have received the following documentation from you : The following documents are needed to move forward in these matters XXXX. Validation of the debt ( An audit trail of account in accordance with XXXX ) ; XXXX. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and XXXX State Statues for Lawful Purposes. 


All tax bond receipts XXXX XXXX, XXXX, XXXX The authorization from the XXXX XXXX XXXX to go forward with the above mentioned account number [ 26 U.S.C. 2032A ( e ) 11 ] Employee Affidavit [ Title 5 U.S.C. 3333 ] Registration [ Title 22 U.S.C. 611 and 612 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/XXXX and XXXX, my credit care was used to make four purchases totaling {$410.00}. 

I had not used the card prior to the day before when I used it to have repairs done on my car at the XXXX dealership. And then the next day, these other charges appear. Citi flagged the transactions as fraud, and we closed the account. I was told the charges would be submitted as disputed. 

When I went to pay the bill the next month, the charges were still there. I called to ask what happened, and they hadn't even opened the dispute. I asked them to, they did, then a week or so later I got a letter that said the dispute had been closed because they did not get some information they needed. This was after I'd answered the same battery of questions on the phone twice. 

I called back and complained and they reopened the dispute again. Now, they have determined that the charges weren't fraudulent and have accused us of theft. I did not make these charges. My husband who's an authorized user on the account did not make these charges. Citi even flagged them as fraudulent, which is what started this whole thing. How are we now being held responsible for them? I can not prove a negative -- we destroyed out cards as instructed when the account was closed. I can't prove anything now, and am on the hook for money that's a big deal for me, but chump change for a mega-corp like Citi -- which I don't doubt will have to be bailed out by me, the taxpayer, at some point in the future. 

I will never bank with Citi again, that's for sure. I will be closing both accounts as soon as humanly possible. But how do I get the {$410.00} in charges I DID NOT MAKE removed from my account? I've been a Citi customer -- one of their premier members or whatever they call them -- since XXXX. This is appalling customer service. 

It's also worth noting that the actual money I'm going to be out here is well more than the $ XXXX.I 'm a self-employed small business owner. My time is valuable. But Citi has wasted hours of my time on this dispute with multiple phone calls and putting me on hold for 20-30 minutes at a time and then giving me this run around. And those calls -- they have all had terrible sound quality and people who clearly don't speak to each other and barely can communicate to the customer what's happening. This is no way to treat honest customers who pay their bills on time.

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 2021-05-07 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: MD

Complaint narrative:
I am a victim of XXXX XXXX and the credit bureaus have refused to remove the fraudulent activity from my report. The XXXX  has the same XXXX XXXX but different XXXX XXXX and XXXX XXXX. She has used my XXXX XXXX  number to obtain credit and then never made a payment. Even though we have had her XXXX in the past, the credit bureaus and credit issuers have refused to remove these items from my credit. I am the XXXX of a XXXX XXXX. All of my accounts are in good standing and never late. Any and all derogatory items on my credit are directly related to the XXXX. I am unable to refinance my home as a result of the sever damage this is causing to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: MD

Complaint narrative:
I am a victim of XXXX XXXX and the credit bureaus have refused to remove the fraudulent activity from my report. The XXXX has the same XXXX XXXX but different XXXX XXXX and XXXX XXXX. She has used my XXXX XXXX number to obtain credit and then never made a payment. Even though we have had her XXXX in the past, the credit bureaus and credit issuers have refused to remove these items from my credit. I am the XXXX of a XXXX XXXX. All of my accounts are in good standing and never late. Any and all derogatory items on my credit are directly related to the XXXX. I am unable to refinance my home as a result of the sever damage this is causing to my credit.

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 2021-05-07 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I've been in contacting Comenity/XXXX since XX/XX/XXXX about a dispute with XXXX on XX/XX/XXXX for a hotel. I checked in on XX/XX/XXXX and checked out on XX/XX/XXXX due to an infestation. I had XXXX days left on my vacation but I ended up booking an XXXX for the remainder of my time. Every time I contact Comenity/XXXX they close my dispute ( XXXX ) claiming I don't have enough information. I've typed out what exactly happened with dates, sent in pictures from XXXX saying that I would be reimbursed for the remainder of my stay and that the property XXXX agreed to that, and of course, after I check out it's a different story. The burden of proof is on Comenity/XXXX 's customers. Even when you send in proof they still force you to provide more documentation. At a certain point I assumed they would ask me for video footage of me checking out of the hotel! They claim you can dispute via message feature on their site however every time you send a message they force you to send more information that you already sent and tell you to print it out and send it via snail mail. I'm out almost {$700.00} because they refuse to actually look into the situation. I was told their job isn't to dispute inaccurate charges but to dispute fraud and that I need to work it out with XXXX even though they XXXX through their teeth and they allowed the hotel to keep funds that didn't belong to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is my third complaint on Compass bank ... Once again compass bank customer service is horrible. I want proof of payment! I am not going to take your word that the payments were posted without showing the amount! These transactions should be posted regardless of what the amount is! 

XXXX XXXX {$100.00} ) Posted with Unapplied funds eff. XX/XX/XXXX to satisfy payment. This does not show a credit of the {$100.00} I need to see the credit on my account. As far as I am concerned if I do not see a credit on my account that means it has not been credited! 

XXXX ( {$150.00} ) Posted with Unapplied funds eff. XX/XX/XXXX to satisfy payment. This does not show a credit of the {$150.00} I need to see the credit on my account. As far as I am concerned if I do not see a credit on my account that means it has not been credited! 

XXXX XXXX {$100.00} ) Posted with Unapplied funds eff. XX/XX/XXXX to satisfy payment. This does not show a credit of the {$100.00} I need to see the credit on my account. As far as I am concerned if I do not see a credit on my account that means it has not been credited! 

Compass bank said : Because the funds were posted along with previously unapplied funds, the transaction amount listed on the transaction history reflects the full amount of the payment that was posted at that time. 

This statement is unacceptable! What kind of bank does not show posted transactions? I am going to continue to file complaints until Compass bank posts all of my transactions! Once again I am not taking compass bank at their word. Show me the transactions on my history. If this is not settled I will report the three checks as fraud! 




XX/XX/XXXX REGULAR PAYMENT {$350.00} {$31000.00} XX/XX/XXXX REGULAR PAYMENT {$350.00} {$31000.00} XX/XX/XXXX REGULAR PAYMENT {$350.00} {$31000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was taking advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, and also I can not apply for credit. I can't even get a XXXX loan due to the pandemic under the crisis ypou have hurt my ability to obtain credit.

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 2021-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
An item was placed on my credit report in error. The item was found out as myself and my expecting fiancee were attempting to rent a house. I have received no contact and was not aware of the matter or issue. The account was opened fraudulently and was placed on my report, damaging it immensely. We have contacted an attorney this week and will be pursuing further action if this item is not removed from my credit and it is corrected, pending further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Social Finance, Inc.
State: MI

Complaint narrative:
on XX/XX/2021. I applied for student debt consolidation from XXXX to Sofi. I was under the impression that I had XXXX days ( XX/XX/2021 ) to agree to the loan. Upon hearing that there may be talks to cancel student debt and refinance with XXXX instead, i asked Sofi to cancel my refinance. They told me " no '' that the deadline was XX/XX/2021. The loan documents that I received from Sofi repeatedly stated XX/XX/XXXX. When I contacted Sofi they told me i can ask XXXX to return the check and cancel the refinance. When I contacted XXXX, they told me they cant do anything. I feel like I was misled, any loan that I have applied for gives XXXX days for final approval. No one from Sofi reached out to me regarding the XXXX day deadline, while all the paperwork stated XX/XX/2021. I do not know how many other students are being misled. I would like my loan returned to XXXX XXXX XXXX XXXX XXXX XXXX  and cancel any consolidation with SoFi. Anyone reading this, keep your student loans with the XXXX XXXX XXXX and do not get misled by the private loan companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation