vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance One, Inc.
State: CA

Complaint narrative:
This company AllianceONE is non stop calling me and others they found numbers to that are related to me and they were sending the debt " owed '' to a address that does not exists. Once I contacted them I gave them the CALIFORNIA address and they conned my mother into paying. ( I DO NOT RESIDE IN CALIFORNIA ) All while I had the ticket and all documents submitted to the court house showing my hardship and my health condition. Once again they started harassing me saying I " owe '' more debt. The employees are rude and tell me I HAVE NO OPTIONS literally saying TOO BAD I HAVE NO CHOICE BUT TO PAY. I already suffer from XXXX and XXXX  and these company is SERIOUSLY THREATENING my health even more. I not only reside in a different state, but them threatening to take my license, send me to collection, BASICALLY telling me they dont care and my HEALTH doctors appointments and COVID are beyond cruel and inhuman. This is abuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX Mr. Cooper XXXX XXXX and XXXX XXXX  Bureau both ran my credit under false pretenses. I inquired about refinancing my home and let both parties know that I was self employed. I let them know that I was under the impression that they averaged out 2 years of income for your qualifying income requirements and if that was the case that I didn't make enough in XXXX to be able to be at the 2 year average I needed to be at. Both financial institutions told me that if I had been business 3 years or more that they would use one years tax returns to qualify me. After I gave my consent to run my credit and gave a copy of my XXXX Tax returns I got return calls from both mortgage brokers telling me that some thing had just changed and now they are requiring 2 years average of tax returns. I was outraged when they told me that because that is exactly what I had told them before they reassured me that I was incorrect. They are the professionals and should know that before giving me wrong information. When I expressed how upset I was and that they ran my credit for no reason neither of them could have cared less. I asked to speak with managers who said their employees did nothing wrong. 

This can't be how banks are allowed to do business, guessing and not having the correct, real time information before making a decision that impacts the consumer. I am about to refinance and there are 2 looming hard inquired on my credit that leaves such a bad taste in my mouth that I researched what I can do about it so that is why I am writing you today.

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

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
The night of XX/XX/2018 two transactions of {$290.00} were made while I was at work in XXXX XXXX, MO. The deposits were happening in Georgia Eastern Time. Soon as I noticed the transactions I called my bank at the time, Bank of America, and told them it wasn't me but yet they closed my account and stated that I was committing fraud. It's completely impossible for me to be in two places at once and I provided them with my bank statements that prove that I was making transactions that same day. Ever since that happened I haven't been able to obtain a credit card or open any accounts due to the fact that Bank of America put the cause of my closed my account as fraud. I've tried to dispute multiple of time I believe they aren't taking the time to truly look at my account and also the evidence to see that it wasn't me, which brings me to this point that they weren't doing their job which is obvious due to the fact that they have a class action lawsuit versus XXXX XXXX at the moment for not keeping his account safe. I am a victim of negligence and this isn't right. At the time I was 20 years of age and supporting myself and thinking about how I was going to establish credit but all of that ceased when Bank of America didn't want to protect me and my account. I want the status of account to change so I can start my life.

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 2021-05-05 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
TRANSUNION IS VIOLATING FEDERAL LAW AND REFUSING ME ANY ACCESS WHATSOEVER TO MY CREDIT REPORT SINCE XXXX XXXX ARE COMMITTING ILLEGAL ACTIVITY UNDER FCRA.I CANT GET MY WEEKLY FREE REPORT UNDER THE ANNUAL FTC FREE ANUAL CREDIT SITE OR ONLINE WITH TRANSUNION. XXXX HAS BLOCKED ME FROM ANY REPORT OR DISPUTE AND LIES TO CFPB, ESPECIALLY SAYING THAT IM AN UNAUTHORIZED PERSON. I DEMAND MY WEEKLY CREDIT REPORT FO FREE ONLINE NOW!! I DEMAND TRANSUNION INVESTIGATE XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. THEY ARE FRAUD AND ILLEGAL ITEMS. I CAN NOT ACCESSMY TRANSUNION REPORT AND I DEMAND IT NOW AS IM A VICTIM OF IDENTITY THEFT AND TU REFUSES TO INVETIGATE MY COMPLAINTS. TRANSUNION IS VIOLATING FEDERAL LAW BY DENYING ME MY TRANSUNION REPORT!! STOP IT AND GIVE ME ACCESS NOW!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Keep on calling. Initial i was polite to say the i am not the same person they are looking for keep calling atleast 2x a week. In some occasion calls and hung up.

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 2021-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: CA

Complaint narrative:
On XXXX, XXXX, 2020 I purchased a XXXX computer and queried about financial assistance to which I was referred to " Klarna, '' as a credit company they could use to set up payments for a total of {$1300.00} The installments were to be {$81.00} to be made on or before the XXXX of each month, and so far I have made three payments for XXXX, XXXX, and XXXX without trouble. Days before XX/XX/XXXX I attempted to make another payment online using the same method as I did on the other three payments. The same " username '' and " password '' would not get me in to the payment section of the website. Then a menu came up, requesting that I re-establish my account, and start all over with a new " username '' and " password. '' It requests only my email and indicates that it will send me a code. The code shows up in my email but when I enter it on their website, code entry field it just takes me back to re-registering an account again. I go in circles and get nowhere on this site. So of course, I try to pay over the phone but the representatives on the phone say they are unable to take payments. I asked them to mail me a statement and I would pay the entire balance just to end business with them. It has been two weeks and nothing. They were nice enough to take the late payment fee off, during the conversation today, XX/XX/2020, at XXXX XXXX. 

The whole issue is, I simply want to do right and pay them and I don't know how, and I don't want it to have a negative impact on my XXXX XXXX, or incur more late fees. I have never run into a situation like this with any creditors so I am stuck, wanting to resolve this. I want to pay my remaining balance, {$1100.00} XXXX the original {$1100.00} - {$25.00} late fee the representative was kind enough to take off, after the quote ) in full. Again, the ending balance as of XXXX, XXXX, 2020 XXXX XXXX XXXX is {$1100.00}. 

I need some help with this one, yours, XXXX XXXX XXXX.

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

Complaint narrative:
These accounts seem for me like fraud accounts because they are not mine but they appeared in my profile. How you can explain it? I think I am victim of identity theft because I am not connected to these items at all. I do not understand what to do in this case honestly, is there any solution how I can get rid of them? Its not fair that I have these fraud accounts in my credit report. the score is damaged as well as my financial life. Could you please start investigation and figure out what's that? I hope also these items will be removed soon.

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 2021-05-05 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:
These accounts seem for me like fraud accounts because they are not mine but they appeared in my profile. How you can explain it? I think I am victim of identity theft because I am not connected to these items at all. I do not understand what to do in this case honestly, is there any solution how I can get rid of them? Its not fair that I have these fraud accounts in my credit report. the score is damaged as well as my financial life. Could you please start investigation and figure out what's that? I hope also these items will be removed soon.

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

Complaint narrative:
Wrong info, not mine : FCRA violations XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Approximately two weeks ago I mailed a personal check for {$700.00} to my daughter who lives in XXXX, Texas, for her birthday. I live in XXXX XXXX, Texas. Later, my daughter informed me that my bank, XXXX XXXX XXXX XXXX XXXX ( XXXX ), did not have any branches in XXXX and that she was forced to cash the check at an Ace Cash Express. A couple of days later, while checking my online banking portal, I found that the check had been paid twice out of my account. I notified my bank and they reversed one of the charges. However on XX/XX/2021, at approximately XXXX XXXX, I received a call from a representative of Ace Cash Express ( ( XXXX XXXX XXXX ) demanding that I pay them {$700.00} because they had paid the check twice. When I informed the representative that I had no control over how they have managed their affairs, the person insisted that I was responsible and demanded that I pay Ace Cash Express {$700.00} and began threatening me with repercussions relative to my credit standing. I spoke with an XXXX representative who suggested that I am not responsible or liable because I never used any Ace Cash Express services. Now, XXXX XXXX XXXX XXXX XXXX ), as a representative of the Ace Cash Express debt collection department, has mailed me a demand for payment of {$730.00} when I do not owe them any money.

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

Complaint narrative:
I opened an account with Credit Strong in XX/XX/XXXX because I wanted to increase my score in order to be eligible to purchase a home. I paid every month on time, but my balance never decreased. After noticing my balance never decreasing, I called and requested to have the accounts closed on XX/XX/XXXX. I received a credit report refresh on XX/XX/XXXX, and noticed the accounts were still reporting and also reporting 30 days late! 

I called the company after noticing this incorrect reporting and was told the account was never closed. The agent I spoke with did go ahead and close the account and send me confirmation that the account was now closed, however, she stated she couldn't do anything about the reporting. Although, she stated it was their fault for not closing the account when I requested, but refused to rectify the issue.

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 2021-05-05 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: GA

Complaint narrative:
I opened an account with XXXX  XXXX  in XX/XX/XXXX because I wanted to increase my score in order to be eligible to purchase a home. I paid every month on time, but my balance never decreased. After noticing my balance never decreasing, I called and requested to have the accounts closed on XX/XX/XXXX. I received a credit report refresh on XX/XX/XXXX, and noticed the accounts were still reporting and also reporting 30 days late! 

I called the company after noticing this incorrect reporting and was told the account was never closed. The agent I spoke with did go ahead and close the account and send me confirmation that the account was now closed, however, she stated she couldn't do anything about the reporting. Although, she stated it was their fault for not closing the account when I requested, but refused to rectify the issue.

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

Complaint narrative:
I opened an account with XXXX XXXX in XX/XX/XXXX because I wanted to increase my score in order to be eligible to purchase a home. I paid every month on time, but my balance never decreased. After noticing my balance never decreasing, I called and requested to have the accounts closed on XX/XX/XXXX. I received a credit report refresh on XX/XX/XXXX, and noticed the accounts were still reporting and also reporting 30 days late! 

I called the company after noticing this incorrect reporting and was told the account was never closed. The agent I spoke with did go ahead and close the account and send me confirmation that the account was now closed, however, she stated she couldn't do anything about the reporting. Although, she stated it was their fault for not closing the account when I requested, but refused to rectify the issue.

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 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I applied and received a Capital One Credit card in XX/XX/XXXX. The company was offering a XXXX miles credit when spending a certain amount within a specified time. I fulfilled the criteria and booked an international flight using the miles credit. 
The flight was on XXXX XXXX and was to commence on XX/XX/XXXX. The reference # was XXXX the Trip ID is XXXX This flight was cancelled by XXXX XXXX. I called Capital One Rewards/Travel dept on XX/XX/XXXX and spoke with XXXX. XXXX assured me that, although the miles did not appear on my statement, that I had a {$940.00} travel voucher. I called the Travel/Rewards 2 times today ( XX/XX/XXXX ) The 1st time I disconnected after waiting for 2 hours. I called general Customer support afterwards, speaking with 3 different employees who all told me I would need to resolve the issue with their Rewards Dept. I called a 2nd time and waited an additional 2 hours. When my call was answered the employee on the other end listened to my problem and then appeared not to hear me. I was then disconnected. My intention was to book a couple of domestic flights in XXXX. While on hold I watched every flight I intended to book sell out. 
I am unable to 1. view my reward credits of {$940.00} 2.Book travel via the Capital One site using this credit or 3.Redeem this credit through XXXX XXXX, who say they are unable to rebook as it is a 3rd party booking through my credit card company. 
In addition to this I also have a XXXX miles I have not yet redeemed. My outstanding balance on the credit card is {$0.00}. and my payments have always been on time. I have included original flight information prior to its cancellation at the bottom of this email. 

Itinerary XXXX ( XXXX ) XXXX ( XXXX ) Flight Details and Seats Travel DatesWed, XX/XX/XXXX XXXX Passenger RefundabilityRefundable Rules, Policies, Cancellations Outbound : XXXX XXXX, 1 Stop, Premium Economy Wed, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Operated by XXXX XXXX XXXX XXXX XXXX XXXX Operated by XXXX XXXX XXXX XXXX Subtotal {$940.00} Booking Status Confirmed Airline Reference Number : XXXX Agency Reference Number : XXXX This fare is refundable Call XXXX to discuss your options to cancel or change this flight. 

Payment Summary Price Exclusions : For itineraries that include flights, the selected airline 's baggage fees will apply. For hotel stays, resort fees may apply. 

Trip Total XXXX or {$940.00} Miles Redeemed XXXX Miles Value Redeemed - {$940.00} Total Miles Redeemed XXXX Miles

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
I have had a PayPal account for many years and use it only infrequently for small purchases. I recently sold a surplus item on XXXX for about {$440.00} and the buyer paid via Paypal. That transaction closed successfully but I did not withdraw the funds and intended to " spend '' them on future small transactions. 

This week I sold another item on XXXX for a total of {$890.00} + tax. The buyer paid via PayPal but the transaction remained " pending '' for 2 days. I determined that the buyer had used my personal email account for the payment and that email address is not linked to my PayPal account. I added my personal email account and the payment completed within the hour. 

PayPal then immediately and permanently locked my account so that funds are not accessible and I am no longer permitted to use PayPal. I have made repeated attempts to find out why this was done or at least explain the circumstances leading to this but PayPal has only responded that my account is locked and their policy is not to disclose why. 

I'm told that PayPal will hold the funds in my account for 180 days and then contact me to tell me if the funds can be withdrawn. 

I was able to initiate a refund to my buyer but I'm concerned at PayPal 's ability to do this without warning or explanation. XXXX searches have revealed that this is not uncommon and other PayPal users have been similarly stonewalled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
Had filed for dispute for this two account but the company only produced documents for one of the accounts

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