vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/22 I paid {$5000.00} via American Express and entered into a contract with XXXX XXXX of XXXX XXXX XXXX XXXX for BUSINESS COACHING services ( valued at the specified amounts below from her XXXX  website ) to begin the week of XX/XX/XXXX. 
On XX/XX/22, merchant cancelled the contract via email because of a comment I made on her XXXX post. The comment does NOT constitute a material breach of contract in the state of New York, and therefore XXXX XXXX has failed to fulfill her contractual obligation. The merchant does NOT RESPOND TO ANY EMAILS OR PHONE CALLS. 
The merchant has offered a {$400.00} refund for the outstanding services she failed to deliver. This does not represent the FULL value owed, therefore I filed a dispute with American express. They have closed the dispute TWICE ( on XX/XX/22 and XX/XX/22 ) without offering an explanation or opportunity for me to refute the merchants counterclaim. 
I have not received ANY of the contracted services outlined below : 3 of the 6 weekly Strategy Calls ( valued at {$490.00} per session ) Curated Content planning NOT received ( valued at {$990.00} ) Custom Content Calendar ( valued at {$290.00} ) XXXX XXXX XXXX templates ( valued at {$690.00} ) I am seeking a refund in the amount of {$3400.00} for the services XXXX XXXX failed to deliver according to our contractual agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: VA

Complaint narrative:
On a pass-thru basis, I recvd an electronic payment on XXXX. Problems followed. A solution was available through PayPal. I recvd the money thru XXXX at XXXX Bank. From PayPal, I sent the money to its intended target But, I made a mistake and attached the wrong bank account at XXXX. My funding source had a XXXX balance. My backup funding source has a very low credit limit by design. PayPal should have declined the transaction. PayPal failed and sent the money. 

PayPal loaned me {$1500.00}. PayPal terminated all other services that I use. PayPal refuses to disclose the terms of this loan. PayPal was wrong to complete the transaction. PayPal knew that no funding source was available- and if they did not know, then all PayPal transactions are unsecured loans with no published terms. 

I demand to know the terms of the {$1500.00} loan that PayPal extended to me without my authorization. I demand that PayPal restore my services. 

I have been treated like a criminal and I do not appreciate it. PayPal personnel have questioned my integrity. Those same personnel threatened me - " we can go into that account any time we want and withdraw funds ''. That threat is on a voice recording if anything PayPal says is, in fact, true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: CITIBANK, N.A.
State: MS

Complaint narrative:
Im accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 


15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purposes.

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 2022-05-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TRANSUNION IS VIOLATING MY FEDERALLY PROTECTED RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. I SENT TRANSUNION A HANDWRITTEN LETTER ASKING FOR THE DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCUACY AND COMPLETNESS OF THE INFORMATION, WHICH IS MY RIGHT TO RECIEVE UNDER THE FCRA 15 USC 1681-i ( b ) ( 6 ) ( b ) ( iii ) AND ASKED IF THEY COULDNT PROVIDE IT BY THE END OF THE 30 DAY PERIOD DELETE THE ITEM FROM MY FILE BEFORE THE END OF THE 30 DAY PERIOD PER 15 USC 1681-i ( a ) ( 1 ) ( a ), YOU GUYS HAVE FAILED TO DO BOTH AND NOW ASSUME WILLFULLY AND NEGLIGENT NONCOMPLIANCE WITH FEDERAL LAW, AS I WAS EXPLICTLY CLEAR WITH MY REQUEST. ( HAND WRITTEN LETTER AND IDENTIFICATION ATTACHED ) TODAY ( XXXX ) I SPOKE WITH XXXX WHO SAID THEY CANT PROVIDE ME WITH THE DECRIPTION OF THE THE PROCEDURE USED TO DETERMINE THE ACCUACY BECAUSE ITS SYSTEMATIC.TRANSUNION HAS FAILED TO LET ME EXERCISE MY FEDERALLY PROTECTED RIGHTS. 
I AM NOT A 3RD PARTY AGENCY MY HANDWRITTEN LETTERS AND ID ARE ATTACHED.

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 2022-05-23 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: CO

Complaint narrative:
On XXXX XXXX I submitted a request for investigation on an account Experian is reporting incorrectly and is in Violation of FCRA Guidelines. 

Not only are they reporting this inaccurately, but they have yet to respond to my investigation, however they updated the comments to a disputed account. 

Ive included my certified letter, and a copy of my credit report highlighting the inaccuracies and FCRA VIOLATIONS. 

The account type is reporting as an " OPEN ACCOUNT " which is a violation- this is a collection account per FCRA guidelines it can not report as OPEN- A collection account can not have a balance reporting in the PAST DUE - this needs to be reporting {$0.00} In the two year history they are continually reporting CO XXXX this is another VIOLATION- collection accounts can not have any late payments or CO reporting - this all needs to be removed. 

They have blatantly disregarded Federal Law with numerous inaccuracies and not responding or doing a thorough investigation.

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 2022-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This property is a rental. The person renting from from us was struggling during the Pandemic XXXX he was laid off from his job part of the time and he also had XXXX. 
Wells Fargo asked me about doing a Forbearance and we agreed. 
When it came time to end the Forbearance period the only option we were given originally was a short sale b/c it was a rental. 
My husband and I are XXXX and XXXX XXXX XXXX, and we have been negatively been touched by XXXX. My husband has has had severe complications and has been hospitalized 7 times and they have been near death experiences. 
We don't have any huge savings. This rental property and the home that we live in are all that we own and we didn't want to sale this rental property. 
The amount that was put in Forbearance should have been put at the end of our loan we should have an opportunity to pay the balance off over the next 360 months. We were finally able to work out a repayment plan but we were not given anywhere near 360 months. Why can't we have the 360 months that the government allows?

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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Exeter Finance, LLC.
State: KS

Complaint narrative:
On XX/XX/2022 I received a copy of my credit reports. After reviewing these reports, I identified an account that I did not recognize being reported by EXTER Financial. XXXX XX/XX/2022, I sent EXTER a letter disputing the entry and requesting documentation that I had a contractual obligation to pay them a debt. I send this letter via USPS Mail, certified with a tracking number of XXXX XXXX XXXX XXXX XXXX, which was received and signed for on XX/XX/2022. 
On XX/XX/2022, I received a new copy of my credit report. Upon examining it, I noticed that EXTER failed to annotate my credit report as Disputed by Consumer, in accordance with the Fair Credit Reporting Act, section 623 Responsibilities of Furnishers of information to consumer reporting agencies. Paragraph ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person ( EXTER ) to any consumer reporting agency is disputed to such person ( EXTER ) by a consumer ( ME ), the person ( EXTER ) may not furnish the information to any consumer reporting agency without notice that such information is disputed by consumer. 
On XX/XX/2022 I prepared a 2nd letter to EXTER Financial and informed them of their error in following the FCRA. That letter was once again send via USPS Certified mail, tracking number XXXX XXXX XXXX XXXX XXXX, which was signed for on XX/XX/2022. 
On XX/XX/2022 I received an updated credit report, and noticed that not only did EXTER again fail to follow the FCRA, once I informed them of their mistake, they again reported a closed account to all three Credit Bureaus. 

This type of failure to follow federal law should be taken very seriously, and they need to be help accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: TX

Complaint narrative:
FCRA violations : payments never late XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$32.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$84.00} Status Collection account. {$84.00} past due as of XX/XX/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 2022-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX had a data breach XX/XX/XXXX and in a letter to me they confirmed that my personal information was compromised. 

XX/XX/XXXX I received a welcome letter from Navy Federal Credit Union. Someone fraudulently opened up Savings and Checking accounts in my name online or over the phone. With a fake phone number and fake email. How is this possible in todays world of identity theft? 

Please make a federal law that requires a TRUE proof of identity when these accounts are opened remotely. It makes no sense that this should be the honor system!! 

Financial institution like Navy Fed should be held more responsible for this form of fraud. 

Please!! A federal law that requires TRUE proof of identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC
State: VA

Complaint narrative:
On XX/XX/22, XXXX XXXX of Lennar Mortgage provided me with a quote for a loan, indicating the property in question, a condo development, XXXX XXXX, located in XXXX, VA, qualified for XXXX loan program. XXXX XXXX is a development built by Lennar Homes. Lennar Mortgage and Lennar homes are both part of the same parent company, Lennar. 

Relying on the quote from XXXX XXXX that such property qualified for XXXX loan programs, separate quotes were obtained from outside lenders. 

During the closing process, it was discovered the condo project in question only had 44 % of the units conveyed to owners or under contract. This requirement meant the project did not qualify for XXXX loan programs. As part of the same company, XXXX XXXX would have known the occupancy and under contract rates of their own development. 

It is my contention that Lennar Mortgage, in combination with its sister company, Lennar Homes, is participating in deceptive lending practices. Specifically, a bait and switch scheme that would leave potential buyers scrambling for financing after being under contract when such XXXX loan programs can not be utilized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XXXX I received a fake fraud alert on my phone about my credit card misuse. I responded to a phone call immediately and the person said he was from my XXXX XXXX XXXX XXXX XXXX fraud alert center. His phone number and texts showed the XXXX which led me to believe it was from my real fraud alert calling me. I fell for his scam and gave him my credit card, debit card, and bank login ID. At the time I was not at my computer. Afterward, when I received my second fraud alert, which was real, I called my bank and was told the first fraud alert was faked. The scammer used my bank ID and changed my password and transferred {$500.00} from my account to an online bank, Zelle bank. I requested that my bank freeze my account, block my credit card and debit card and see if I can get my money back from this Zelle online bank. I also filled out a fraud banking form last Friday with my bank. 

The scammer name is : XXXX XXXX XXXX maybe he is in a group of scammers since his name is on the bank fraud form ) Scammer email : XXXX. 

I fell victim to a fake fraud alert, fake phone number and fake email of my bank. Please alert other seniors of this new scam and I hope you and others can help to catch the scammers, especially this type of scams that target seniors. 

Appreciate your help. 

Thanks. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX Today is XXXX XXXX, I've tried to access my credit file through www.annualcreditreport.com 3 days ago and I had an error message pop up two times for XXXX  and also Transunion which I know is violating my rights as a federally protected consumer pursuant to 15 usc 1681h ( c ) ( 1 ) ( B ) ( iv ). 

I received an error message from XXXX stating that the number I've entered didn't match their records. 

I've attached my forms of identification below

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 2022-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2022 Truist Bank debited my checking account in the amount of {$35.00} ( see attached document ). The check on which Truist based this debit was neither written by me nor references my checking account number anywhere ( see attached document ). 
Despite hours of fruitless telephone conversation, Truist refused to respond to my complaint.

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 2022-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
XXXX XX/XX/22 They called my daughter in law XXXX XXXX maiden name XXXX She conference me in the call. I adv her I am debt collecter as well she did not mm me adv me of the amount owed. Never gave her name or the company works for. I asked several times she finally told me it XXXX XXXX with Amsher collections. She told me I was very rude and that it did not matter XXXX was XXXX at the time of the debt. I adv her she was a minor. This the second time this company has been informed not to call her and to contact XXXX actual parents on this, she not liable. She told me good luck with filing a complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: NC

Complaint narrative:
I have been prevented from making purchases through Google XXXX, through cards and the money held in the wallet. I have contacted Google 6 times to remedy the issue between XX/XX/22 - XX/XX/22. The wallet will work for a short period and then decline any attempt. 

They eventually asked for verification for identity and fraud which I provided. They sent email communication on XX/XX/22 that my account was now active again. It allowed a few low value purchases but blocked the remaining. I still have money being held in the wallet which can not be used for anything else. 

This needs to be fixed/resolved immediately. This dilutes my current investment in the apps where money is spent greatly each time I am unable to make a purchase due to overreach and negligence after providing all documentation requested to " prevent fraud ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: TX

Complaint narrative:
FCRA violations : payments never late XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX {$32.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$84.00} Status Collection account. {$84.00} past due as of XX/XX/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 2022-05-23 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:
FCRA violations : payments never late XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$32.00} XXXX XXXX. 

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$84.00} Status Collection account. {$84.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX and myself! Please send the proper validation

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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX and myself! Please send the proper validation

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 2022-05-23 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: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation