vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I started with a XXXX, applied for credit card and my points dropped by XXXX. Then another XXXX points. A few days later I paid off the card and the my points dropped again by XXXX. XXXX is my current XXXX XXXX. Says Between XX/XX/2023 and XX/XX/2023, your credit card account with CAPITAL ONE was removed from your credit report. Since this account is no longer on your credit report, its details won't be factored into your XXXX XXXX. Accounts can sometimes be removed due to things like disputes and reporting errors. I never closed my account or removed it. This is an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Greetings CFPB, On XX/XX/23 I initiated a transfer of {$1400.00} using my Venmo app to pay a business account owned by the movers dropping off my belongings at my new home. 

They insisted on payment before they started unloading items, or even before I had to a chance to see them in the truck. 

I opted-in to Venmo 's XXXX XXXX XXXX '' offering which claimed that I would receive a " full refund if an eligible purchase isn't what [ I ] paid for '', because this moving company had already rescheduled thrice on me, and I was wary of the fact that they sent 1 man and his wife to unload the entire truck.

Upon all the items being unloaded, I noticed that 3 items were missing, and several more were damaged. The missing items were computer monitors that are vital to my partner 's work as a software engineer, and their absence greatly impacted his ability to search for a job after his recent layoff. A vacuum I was quite fond of was also missing. 

I estimate that the monitors are worth {$2200.00}, and the vacuum {$280.00}. I got these prices form XXXX I also estimate there was about {$1200.00} dollars more in damages to items I received, the largest of which was a headboard which no longer attaches to my bed. ( entire bed frame retails for {$2700.00} on CrateandBarrel.com ) I first attempted to reach out to the moving company, and they said they would investigate. When they offered no remedy, I filed a dispute with Venmo to partially compensate me for the damages. 

Venmo then informed me that an agent would reach out within XXXX business days to collect more evidence to properly investigate my claim. 

I was quite surprised when the next communication I received from them was an email stating that my claim had been closed and they had ruled in favor of the merchant. 

I called them again to complain and demand a chance to have my side of things be heard, and they once again said that a representative would reach out over email within the next XXXX business days, and today, I have again received an email letting me know that my claim is closed and they are ruling in the merchants favor. 

Please find attached the details of the Purchase Protection Venmo allows you to opt-in to, a police report I filed with the XXXX XXXX Police department XXXX where I moved from ) I am currently living in XXXX, and when i called the local police department, the person over the phone refused to take my police report " because I could not say with 100 % certainty that the crime took place in MI '' I am happy to provide further documentation on request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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 XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX & XXXX and XXXX XXXX XXXX Acct # XXXX and Experian, XXXX XXXX XXXX XXXX has Violated my Rights! 15 U.S.C. 1681 Section 602 A. States I have the Right to Privacy. 15 U.S.C. 1681 Section 604 A. section 2. It also states a consumer credit reporting agency can not furnish a account without my written instructions.

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 2023-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Alorica Inc.
State: WV

Complaint narrative:
I initially had a borrow and grow loan with XXXX, who sold my debt to SST XXXX. I have repaid the amount I owed from the initial personal loan, and now want to close my loan, as I do not want to pay the {$200.00} a month on a 29.98 % interest rate for {$2500.00} in savings. SST XXXX charges too many fees and seems to have no idea how to handle my loan. XXXX originally offered the option to cancel your loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: MIDFIRST BANK
State: DC

Complaint narrative:
THIS COMPANY BOUGHT MY MORTGAGE FROM ANOTHER COMPANY IN XXXX OF 2021 AND HAS NOT REPORTED TO THE CREDIT BUREAUS PLEASE SEE ATTACHED CREDIT REPORT FROM XXXX SHOWING NO MORTGAGE.

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 2023-01-27 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: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
There is a account from Victoria secret thats has been on my report for years I never in my life have opened any account with them like never Ive never even been into a Victoria secret XXXX nothing I have no idea how this got on my credit Ive been working hard to build my credit go form nothing and just recently it took XXXX off of my score and complete put a lot of plans I had in motion on hold and Im furious because Ive disputed this again and again and now its hurt me at a critical time XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-27 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: FL

Complaint narrative:
Since XXXX until now I've reached out multiple times via phone, mail, and even online chat with no responses from the bureau in regards to inaccurate info on my report!

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 2023-01-27 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: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
These creditors XXXX XXXX XXXX XXXXXXXX and Midland Credit management XXXX are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged accounts are listed as collections with a past due balance of {$1000.00} from XXXX XXXX XXXX and {$520.00} from midland credit management XXXX. This is a violation of the Fair Credit Reporting Act and is in violation of requisite XXXX XXXX compliant reporting standards. By the provisions of FCRA and the standards of reporting compliance implemented with the CRSA enacted CDIA XXXX XXXX COMPILANCE regulations, i have the right to a fair and accurate credit report, and you are required to remove any information that isnt true, accurate, compliant and verifiable. i demand these above mentioned derogatory items be investigated and permanently remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My card was accessed without permission. The unauthorized transactions hindered me from an important purchase. The bank is trying to keep my money for short term investing. I need my money back it is important to my health! Please fix this!

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
Consumer complaint received 2023-01-27 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:
This isn't my account have know knowledge of this account.

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 2023-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lexicon Title Services LLC
State: SC

Complaint narrative:
Sold my home XXXX XXXX, XXXX. XXXX XXXX XXXX ( Lexicon Title Services LLC ) has not returned {$450.00} to me from this sale. I want it to be immediately wired to my account at XXXX XXXX, with interest. I paid EVERY WATER BILL MYSELF. I only discovered this in preparing my taxes yesterday. I called XXXX yesterday ( XX/XX/XXXX ) to learn there was a remaining bill ( {$77.00} ) and I paid it. Also, I was charged for a bill ( {$100.00} ) that I had paid on XX/XX/XXXX from my checking account and {$350.00} for Water Escrow to Lexicon Title Services LLC. That woman hasn't even contacted XXXX in OVER SIX MONTHS to see if I own anything. I DO NOT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: LA

Complaint narrative:
XXXX XXXX I purchased a {$500.00} Gift Card from a local grocery store. I have the approved and authorization number showing the {$500.00} was added to the Vanilla Gift Card. After the XXXX XXXX XXXX XXXX XXXX XXXX tried to use the card and it was declined. I went to the Vanilla Gift Card website to check the balance and it kept giving me an invalid card number. I called the customer service phone number that is on the back of the card. Vanilla Gift Card customer service said someone else called concerning the account number that is on the card to be replaced. They supposedly lost the card. They gave me a case number and was informed I would receive an email from XXXX. It took 10 days for me to receive the email. I followed the directions in the email which I submitted front and back of gift card, the approved activation for {$500.00} and my drivers license. I have not heard back from them since I emailed them which has been at least 3 weeks ago. I called them today and was told it takes up to 90 days to hear back from them. Poor customer service. I just want my {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXXXXXX, I deposited my payroll check with Bank of America because my direct deposit was caught up in a transition between accounts. Bank of America put a 5 day hold on my check stating it would be released at XXXX XXXX  on XXXX/XXXX, in writing. No probably or might be extended. The funds were not released and I called my bank and while on hold at XXXX XXXX on XXXXXXXX, I called the bank and checked my email and found an email stating they decided to put a hold until XX/XX/XXXX. This is a payroll check from the XXXX XXXXXXXX XXXX XXXX in the city, I can not pay bills, buy food or anything because they have held my money for this long. Their response is oh well, even when I stated I would file that complaint. 3 supervisors pretty much state that it is not their problem. 

This is on top of having funds that they stated were returned to another party sitting in my closed account stating they didn't have it the week before. While that was resolved there seems to be a pattern of holding deposits and not letting people have access.

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
Consumer complaint received 2023-01-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My Mother, XXXX XXXX XXXX owned a home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX She died on XXXX XXXX in that home without a will and not telling me, her only surviving heir that she had a reverse mortgage.I have been living in that home since XXXX taking care of her. I found out by one certified letter addressed to her and a second certificate letter addressed to Occupant about the Reverse Mortgage.But because I was not named on the original loan application, she couldnt talk with me. I tried to explain to a representative of PHH the situation and that I was trying, unsuccessfully to find a lawyer ( between XXXX and XXXX ) to file an Affidavit of Heirship in order to sell the house to pay my Mothers outstanding debt. I have just now found a lawyer. We will meet this Tuesday ( XXXX  ) to file an Affidavit of Heirship to be able to move forward with the sell of the house to pay the outstanding loan 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 2023-01-27 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: FL

Complaint narrative:
Detailed description and back-up info attached. 
I went to sign up on XXXX to watch a football game that was starting. I had problems between putting info into computer & television. Before anything else could be done they required credit card info and accepting terms & conditions ( several hours of reading in length ). I never completed requesting before it got to the fourth quarter. I did not realize I was considered signed up until the credit card statement. I cancelled immediately, but they never acknowledged. Even after XXXX efforts on computer and on the phone, I still have no email confirmation. I ask for these to be credited. 

In addition, per the info XXXX sent to CITI the credit card showed {$64.00} as the monthly payment. At that time {$64.00} and {$69.00} were their highest charges. There are also not supposed to be taxes added. The overcharge was {$110.00} when it should only have been {$64.00}. I attached several pages from their website showing {$64.00} over and over. The {$64.00} is already far higher than any other streaming service.

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
Consumer complaint received 2023-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX Synchrony Amazon Card Closed my account without any noticed. When I contacted them they informed me that it was because I had made XXXX attempts to make a payment and the payment was rejected. This was an error because I accidentally had my second bank account as the default account to make payments which I was not aware of. When I caught the issue I was able to quickly default my main bank as the account and I made a payment within a 30 day window. There was no need for them to close my account. They never contacted me or sent me a letter they just closed my account. I have never missed a payment from them or any other company in the last 9 years. I feel that the action they took is un fair and will impact my credit report as my overall utilization rate will increase and my credit history will decrease. I am very upset that there hasn't been a law to protect consumers from this kind of behavior from lending institutions. I called Amazon customer service and they informed me that they could not reactivate the account and that I would need to reapply. This would also mean that my credit would be impacted as now I would have a new inquiry and if I applied it will stay on record for XXXX   years impacting my credit score. I was given a fax number to send a letter to the bank to see if they could look into the matter however when I went to XXXX to fax the letter this morning the fax number was not valid. I have attempted to contact the bank but there is no means to connect with an agent that will talk to me.

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 2023-01-27 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:
Fraud has been committed by XXXX XXXX XXXX account appears on my consumer report I never gave them permission to report to my private property. This account do not belong to me.

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 2023-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: PA

Complaint narrative:
XXXX subserviced by Flagstar Bank holds the mortgage on my home. Over the past year they have charged me over {$400.00} in late fee 's that are not legitimate. Their escrow department can not correctly calculate the money owed for taxes, so they re-calculate my monthly payment without notice, and then when the payment increase my auto pay is set for a lower amount, they hold this payment until I get a late fee. Each time I call in and they give me a dollar amount to bring the amount owed to zero and claim to remove the late fee but they do not. I have spent hours of my time on the phone with flagstar over the past year and {$400.00} because they are incompetent. They also miss the early pay savings when paying taxes and cost me {$600.00} last year. 

I have set my mortgage on auto pay since I closed on my house and have no trouble affording my payments yet XXXX / Flagstar has made the home buying experience and absolute nightmare. I have simply been paying them for what they are asking for and then they " Hold Money in Suspense '' to rack up Late Fee 's. It's no different than theft. I simply want to pay my mortgage.

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 2023-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Stating I have a debt I tried to validate debt have not received anything. 
Spoke with representative and they wont tell me what the itemized bill I have disputed the debt several times through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX  XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX, XXXX XXXX Trans Union has Violated my Rights! 15 U.S.C. 1681 Section 602 A. States I have the Right to Privacy. 15 U.S.C. 1681 Section 604 A. section 2. It also states a consumer credit reporting agency can not furnish a account without my written instructions.

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