vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I got my school refund on my XXXX   account. I had a new card ordered and had not gotten it yet. And I needed the money, so I sent it to my brothers XXXX  account. He then sent it to my Venmo account because I had that card. ALL of my transactions were getting declined, except a couple that went through. So I sent the money back to my brother, and ask him to try the transactions and to try to withdrawal from his Venmo. Same problem. So we contacted their chat team about it and we had recently moved so we figured it was happening because we moved to a different state. We called about it a couple times. And they ended up freezing our accounts! They asked us to send pictures of our State IDs or Drivers licenses to prove our identity. We did that. I also sent the a picture of our lease to update our new address. They told me that I went against their user agreement and that my account was being permanently closed and that they were investigating my money for up to 180 days to see if they can give me MY money back! I sent them pictures of my accounts showing what I did. And I also kept the chat transcripts and email communications with the company. No luck at all. And they wont tell me how I violated the user agreement! I need my money! I have kids and bills to pay and I cant now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: LA

Complaint narrative:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-11-02 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
They tried contacting me at XXXX XXXX  at night. I've told them to contact meat XXXX XXXX if they absolutely must contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be  removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-11-02 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:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed  below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable  proof, you must remove the accounts listed below. XXXXXXXX  XXXX  XXXX****, XXXX  XXXX**, XXXX  
XXXX****, XXXX XXXX XXXX**** , XXXX  XXXX   XXXX****and XXXX  XXXX  XXXX****

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital one has changed all of my due dates for three credit cards to the beginning of the month. My three cards now have due dates that are the XXXX, the XXXX, and the XXXX. The previous due dates were to earlier than the XXXX  of the month. By Capital One shifting my credit card due dates to the beginning of the month I am no longer able to pay them when they are due and keep them under the limits that were set by Capital One. I have made two requests to change the due dates but they have not been addressed. My credit score has begun to suffer and it has caused a domino effect with my other credit accounts because all my payments are now at the beginning of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
XXXX went bankrupt. Loancare LLC took over the loan in XX/XX/2019. I was making automatic Bill Pay payments with XXXX XXXX XXXX and two payments were made using the old XXXX account number before I changed the account number with Bill Pay when I found out the new information and new loan number from Loan Care in XX/XX/2019. The XXXX payment went through fine despite the wrong account number on the check. Loan Care is  saying they never received the XXXX payment but the money was withdrawn by LoanCare in XXXX. I have made at least 10 phone calls to try to resolve this and have sent proof of payment numerous time. I was even on a conference call with XXXX XXXX XXXX and LoanCare at which point XXXX XXXX  XXXX sent over a Payment Transmittal Form. I have uploaded the form as well and emailed it several times. I have enclosed it to this form. I just received a call today saying I am behind on my payments. Which I am not. XX/XX/2019 payment : {$2300.00} Last call : XX/XX/XXXX Ticket number : 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 2019-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
on XXXX amount of XXXX was sent to XXXX but account number when entered was wrong despite given the copy of check again approached the bank on XXXX they again resend the money but again wrong account number they are not ready to listen and harrasing by delaying correction

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: OK

Complaint narrative:
I sent a letter to COMMON WEALTH FINANCIAL SERVICES in early XX/XX/XXXX requesting validation debt being reported on my XXXX  credit report as : COMMON WEALTH FINANCIAL SERVICES. Original Creditor Name : XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$2500.00} Amount : {$550.00} Status Date : XX/XX/XXXX Status : UNPAID. Account Number :  XXXX. They responded to my letter on XX/XX/XXXX with a letter that clearly violates my rights. COMMON WEALTH FINANCIAL SERVICES Did NOT comply with any aspect of HIPAA standards and provisions detailed in detailed in 45 CFR Parts 160, 162. COMMON WEALTH FINANCIAL SERVICES did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: GA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2019-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This account was previously disputed directly with the collection agency. This account has been sold 3 times to different collection agencies. I asked the Collector to give me proof of this debt, ownership, right to collect, and some other details about the collection and no response was received. Please note letter will be attached, collection agency never complied to it and they should remove my file and cease all collection info furnished to credit bureaus. Agency is in violation of the FTC and FDCPA by not complying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02 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: NC

Complaint narrative:
EQUIFAX, AGAIN, SEE THE ATTACHED DOCUMENT FOR IMMEDIATE REMEDY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX XXXX/XXXX XXXX and XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I have a personal loan with USSA Federal savings bank, account number XXXX where I currently pay about XXXX  per month. But they charge interest to where the loan amount accrues XXXX dollars per day. I did not know this until after I got the loan. I got the personal loan one year ago and the loan amount was {$15000.00}. After making monthly payments on the loan I noticed that the loan amount went back up a XXXX dollars per day. I then called USAA about this and the lady told me that the loan does accrue XXXX dollars per day. I think this is crazy and predatory. They also refuse to refuse to get the late payment from my credit report concerning my personal loan. I fell on hard times and I am a XXXX veteran and get XXXX  at times and XXXX and XXXX and I dont feel like taking forever to pay this loan back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My ex husband and I had a joint account at Best Buy. He agreed to take the account and the debt in our divorce agreement. Citibank is refusing to remove me as a joint account holder although I am no longer legally responsible for any debt incurred on that account from the date of separation. My credit score just dropped 35 points because the balance increased by {$1000.00} and is now over the credit limit by {$500.00} due to his mismanagement of paying a promotional balance in the set time frame and being hit with an exorbitant finance charge. I do not have the full account number but the primary account holder is XXXX XXXX XXXX and the last four digits of the Best Buy account number are XXXX. 
I want to be removed from this account immediately. Simply having the account closed will not resolve the impact to my credit score. Citibank should be providing excellent customer service in this matter by removing me. Best Buy no longer offers joint accounts for this very reason. I should not be penalized for something that is no longer even in effect when it comes to applying for a Best Buy 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 2019-11-02 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: GA

Complaint narrative:
XX/XX/19 Sunrise Credit Services is saying I owe them $ XXXX.I have never had an account with this company, nor do I owe them {$550.00}. Ive previously disputed this and I dont know why this is still on my credit. They have yet to produce a signed copy of my signature stating I have an account with them.

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 2019-11-02 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My credit card was used at an XXXX XXXX outside my home city on three transactions in one day ( XX/XX/2019 ). One for {$1500.00}, second for {$1500.00}, and third for {$430.00}. When I noticed the charges the following day, I called Chase to cancel the card and send me a replacement. I also disputed the charges, the charges were then temporarily removed and then added back on my account. I have had a Chase credit card for almost 4 years now and have never disputed a charge until now. My credit limit is {$5000.00} and this fraudulent charge has caused me to go over my limit thus negatively effecting my credit score.

Company response to consumer: Closed with explanation