vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2022 I was reached out to via XXXX XXXX by a XXXX XXXX. She said that she liked my profile picture that I had for XXXX, and would like to use it for inspiration for a mural that she is doing for a business. She told me that she would compensate me for using my picture. I saw that we had a XXXX friend ( who I know personally ) in common, and decided to go with it. She emailed me a check for {$3500.00}, and I cashed this check through the mobile deposit my bank has on its app. After I cashed the check, XXXX XXXX began demanding that I send money to XXXX different people ( XXXX XXXX and XXXX XXXX ) for their art supplies. I questioned XXXX XXXX about this, and she continued to demand about me sending money to these people for the monetary value of {$1000.00} each, and the rest of the money I would be able to keep. I still questioned her about it, since she claimed to be a business woman, and she began to threaten me. She told me that she would XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I gave in and transfered a total of {$2000.00} ( {$1000.00} to XXXX XXXX and {$1000.00} to XXXX XXXX ) through XXXX and PayPal. 
The next day, XX/XX/XXXX, my bank contacted me and I told them what had happened. They told me that since I transferred money, I XXXX not be able to get any money back. They did give me a XXXX credit for the PayPal transaction. I contacted local police, and reported on reportfraud.ftc.gov. The check of {$3500.00} bounced back, and I was left with {$2000.00} less in my bank account. XXXX business days later, my bank sent me a document that the report that they made for fraud was declined. 
I have been receiving emails and messages from various people that have been still threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
I've attempted to use XXXX, which financing is provided by Affirm, several times and been denied.. It appears I am being denied due to a past loan, a purchase from XXXX which was recently refunded by merchant. The loan was at XXXX point past due, charged off, the merchant was unable to refund due to error on end of XXXX, Affirm still attempted to collect on loan, despite provided return information including XXXX tracking number.. It appears Affirm is now declining use of XXXX installments due to this past loan. I've been declined with merchant, XXXXXXXX XXXX XXXXXXXX, most recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: Upstart Holdings, Inc.
State: PA

Complaint narrative:
Thank you for reading my request about this account with your company. I am writing today because, during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX and XXXX. I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX I received a phone call from LVNV Funding collection company, I notified caller that I'm representing by attorney, and provide my attorney phone number. This was my first communication with LVNV funding. I checked my credit report and see that LVNV claim that I have debt $ XXXX never receive any letters or communication from LVNV.I think that LVNV funding violating section1006.30 of FDCPA.I would like LVNV funding to remove {$2300.00} from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act the list of accounts below has been violated my rights 15 USC 1681 XXXX  account # XXXXXXXX  Has violated my rights 15 USC 1681 section 602 A,. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has has reasonable cause to believe that the information is inaccurate

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 2023-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bureau of Accounts Control
State: PA

Complaint narrative:
BUREAU OF ACCOUNTS CONTROL This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information. 



I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? 



I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 



If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 



I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-11 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:
This XXXX XXXX XXXX account just showed up on my credit report and does not belong to me. I have included the fraud report as well. Please remove this asap. 

XXXXXXXX XXXX XXXX XXXX XXXX Report Date : XX/XX/XXXX Account Number XXXX XXXX  Date Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I was notified by XXXX that a dormant credit card had recently been reactivated. A XXXX XXXXComenity card with my name, but a different address was used to make a purchase of {$5900.00} on XX/XX/XXXX. I have a XXXX XXXX card that has not been used since XX/XX/XXXX. My credit report now has this fraudulent charge and address on it. On XX/XX/XXXX, I contacted XXXX XXXX/Comenity and XXXX to report the fraud on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11 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: NJ

Complaint narrative:
On XX/XX/XXXX I used the services of XXXX XXXX XXXX XXXXXXXX XXXX. As per the early bird special they posted, they told me it would be {$20.00} which is the rate I have been using with them and is reflected as such in other receipts and on my credit card statement. However they inputted and swiped my card {$2000.00}, an impossible amount based on their rates and hours, after the fact that I was told {$20.00}. After talking with XXXX XXXX, I was given the merchant receipt of the {$2000.00} and was told they can not refund me and to go dispute it with Capital One. I was not given anything other documents after asking. After submitting a dispute case for {$1900.00} back, Capital One has closed my dispute case 3 times within a day of me submitting documents which include a formal dispute letter describing all of the above, the merchant receipt charging the incorrect amount, the rates posted for the services, and the early bird promotion poster. All 3 times, the dispute was rejected for not providing requested information that I was not told about in previous calls, without notification for a document request, or am unable to receive as XXXX will not give me a {$20.00} receipt of that day that Capital One is requesting since they charged me {$2000.00} instead. Over the course of the last few weeks since XX/XX/XXXX, I have called Capital One at least 4 times including today, XX/XX/XXXX, about this situation in which they refuse to help any further and discussion with the merchant has led to the same results as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I have already written to you about my issues with PHH Mortgage. They claim that the wire transfer of my payoff was received by them from the home buyers attorney, XXXX XXXX, on XX/XX/XXXX without the mortgage account number, and that they sent it back in XX/XX/XXXX. Her bank says it was not received by them until XX/XX/XXXX, and even though I have repeatedly authorized them to directly communicate with both my attorney, XXXX XXXX, and attorney XXXX XXXX, they refuse to communicate with either. I want to resolve my own situation and also to warn all consumers to stay away from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I noticed there had been misleading credit inquiries added on my credit I'll like to have remove! None of these hard inquiries were authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information. 



I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? 



I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 



If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.

I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I called to close this account well before my annual fee was to be charged to this card around XX/XX/2022. I was still charged the {$99.00} annual fee even though my account is closed. I dont know how companies can charge a fee like this when youre NOT using their card. On top of this they charge a Maintenance fee of {$12.00} per month! Its almost like a penalty for canceling. Its completely exorbitant and they shouldn't be able to charge these ludicrous fees. 

I called several times and connected with a representative and supervisor on chat and on the phone and they refuse to stop/reverse any of these fees. There is no way I can keep my credit in good standing or get back to good standing if corrupt companies keep charging these fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act the list of accounts below has been violated my rights 15 USC 1681 XXXX XXXXt # XXXX** Has violated my rights 15 USC 1681 section 602 A,. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act the list of accounts below has been violated my rights 15 USC 1681 XXXX XXXX # XXXX Has violated my rights 15 USC 1681 section 602 A,. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has has reasonable cause to believe that the information is inaccurate

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 2023-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 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:
This XXXX XXXX XXXX account just showed up on my credit report and does not belong to me. I have included the fraud report as well. Please remove this asap. 

XXXXXXXX XXXX XXXX XXXX XXXX  Report Date : XX/XX/XXXX Account Number XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mercari, Inc.
State: NY

Complaint narrative:
Illegal cancellation of orders User ID : XXXX I have sold XXXX items on this selling platform, and I have already shipped those itemes to the buyer, but the Mercari platform illegally cancelled my entire order. I can't receive the payment ( XXXX $ ), I demand the mericari platform to compensate me for my loss!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/22 I sent a letter to the credit bureaus to validate accounts for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No actions have been taken.

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 2023-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I bought a house on XXXX of XXXX thru XXXX XXXX  on XXXX of XXXX. Without been informed my loan was switched to Selene Finance Mortgage which for them it shows my payment late since I had sent the payment to the original XXXX  XXXX. I been paying {$350.00} ( principal {$440.00}, interest {$2500.00}, escrow ( taxes & insurance ) {$800.00} ) monthly but yesterday I got a new statement with a new monthly payment {$6100.00} when I called them today to explain why almost double with less than a month being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I ordered XXXX cashiers checks on XXXX XX/XX/XXXX. Despite using my account login, filling out all relevant information as required, and requesting my checks be delivered to the same address that is on file as my primary residence with Wells Fargo, the bank required more information by phone call ; this seems to be a standard practice, Wells Fargo does not mention it as a required step on the process. 

After speaking with a Wells Fargo representative on XXXX XX/XX/XXXX, I resubmitted my request for the XXXX checks. On XXXX XX/XX/XXXX I received XXXX emails each asking me to call to provide additional information and providing a phone number and ordeXXXX XXXX  I called, provided the additional information ( that it was actually me who requested the checks ) and was told the checks had been processed. I received no notification via email as Wells Fargo says I would. After no notification from Wells Fargo and with the relevant funds still being in my account rather than being withdrawn by Wells Fargo to cover the checks, I called Wells Fargo back via the number provided by email to ask what was going on. I was told the checks had been not been processed. Additionally, despite calling at approximate XXXX XXXX  on a Wednesday ( within normal business hours for Wells Fargo XXXX the United States XXXX XXXX XXXX all those who would be able to process my checks had left for the day, extending the issue at minimum XXXX additional business day. The payment theses checks are for will now be at least 11 days late. 

Wells Fargo is not clear about its process, and has made numerous additional errors during processing to exacerbate the issue. XXXX business days after I first requested the cashier checks, the issue is not resolved.

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 monetary relief