vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I was involved in an auto accident on XXXX. My daughter, age XXXX, and I were transported to the hospital via ambulance and were seen and billed. There was a settlement that sent a check to satisfy me and my daughters bills. ( Both bills were billed in my name ) The original creditor ( XXXX XXXX ) applied the money towards my bill, and kept the overpayment and did not pay the second bill for my daughter. They then sent my daughters bill to collections with Penn Credit Corp. They now are trying to get me to pay a portion of the bill that shouldve already been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I open a claim withBANK of AMERICA regarding a fraudulent transation. 

Complaint Number XXXX PLEASE updated my phone number as I have a wrong number on claim Number XXXX. My phone number is 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 2023-03-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My auto insurance paid off the vehicle. And Equifax does not remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
there investigation found that the information i disputed is inaccurate or can not be verified, the notice should say so and also state what corrections the furnisher is providing to credit reporting companies to fix.

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 2023-03-28 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: FL

Complaint narrative:
On XXXX XXXX, 2023 I attempted to purchase an item for {$86.00} from a website. I used Paypal to complete the purchase. I did not realize until it was too late that the website directed me to a Paypal portal that I was unfamiliar with and where the monies were withdrawn from my account immediately and I would not have the normal Paypal protections to insure I would receive the item or my money would be refunded. 

I immediately relogged back into my paypal account and tried to cancel the transaction. 
On the paypal site I was able to send the seller a message to cancel the item. I did this but I have not received any notice back from the seller that the transaction was canceled or any conformation that I would receive the item I purchased. 

I attempted to file a complaint on the paypal wedsite resolution center but was not able to do so because of the way the payment was made. 

I called paypal and spoke with customer service and was told also that because of the way the payment was made there was nothing they could do. The customer service gentleman told me to be more careful in the future. I told him there website showed that the payment was still pending and why can't he put a hold on the payment until the issue is resolved. I told him I felt I was tricked by the website into making that type payment and I felt Paypal should have better protections on their website for the consumer. He said he would pass my concerns on to higher management. 

I feel the website I went to is a scam. I used paypal to pay for my internet purchases because I thought I would have protection from them from scammers. I feel the scammers found a loophole in Paypal 's payment system and are exploiting that loophole. 

I would like you all at CFPB to press Paypal into closing this loophole. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. 
I saw Citibank is giving {$1000.00} bonus to keep {$80000.00} in for 90 days. 
I borrowed {$80000.00} from XXXX XXXX, he is like a father to me, he knows me since before I was born. 
XXXX XXXX just recently sold a house in XXXX XXXX, XXXX XXXX to be exact. 
XXXX XXXX got a Cashier 's check for {$80000.00} from his bank, XXXX Bank XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 
He made it out to me, XXXX XXXX XXXX. 
We both went to Citibank together at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and I opened an account with XXXX XXXX, she is the bank employee that opens accounts. 
Two weeks later approx. I was told the account is frozen by the fraud department. 
I opened the account on XX/XX/2022. 
I have the photocopy of the cashier 's check that was deposited and processed by Citibank. 
Ever since then Citibank has been giving me the runaround and telling me the check is being sent back to ME, to my mail address. 
Then after more phone calls must have called XXXX0 times, Finally now around XX/XX/XXXX XXXX approx,. 
I was told on phone that Citibank is sending me a check. 
Then on XXXX XXXX they say, no check for me. 
They say the money has to be reclaimed by the sender. 
The sender tried to reclaim at his bank, XXXX XXXX .XXXX said not possible because it was paid to Citi Bank XXXX Citibank is holding the money. 
On XXXX. We went to Citibank and talked to manager. He gave me runaround, did not resolve. 
We went a week later to a Citibank in XXXX XXXX and talked to manager, he said the check was sent back to XXXX XXXX  In XXXX. 
BUT I have a XXXX statement that Citibank has my money in a XXXX XXXX account in the amount of {$78000.00}. 
The check was {$80000.00} and I withdrew some money before they froze the account. 
So how can they say that they sent back the check, if money has already been withdrawn from it. 
XXXX XXXX went to XXXX XXXX  again in XX/XX/XXXX to ask if there's money for him sitting somewhere that was sent back from Citibank. 
XXXX searched and said no money was received from Citibank. 

Please help me get my money back.

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 2023-03-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 non-monetary relief
Consumer complaint received 2023-03-28 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Deposited approximately {$10.00}, XXXX from divorce settlement into secured credit card account with Wells Fargo. Account was closed and money was not returned. Approximately 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 2023-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tsarouhis Law Group, LLC
State: PA

Complaint narrative:
I have been trying to fix my credit and settle old debts. When I contacted the company that previously had this account, they advised me that they no longer had the account and that I had to now contact Tsarouhis Law Group. I got in contact with them to try to settle the debt which is old and figured they'd offer me a decent, manageable amount. The debt is originally from XXXX on XX/XX/XXXX. The last payment was made on XX/XX/XXXX. The amount owed is {$11.00}, XXXX. They offered me a settlement of about 80 % of the balance due which would be more than {$8000.00}. I told them that I do not have money like that. Then they offered monthly payments for the entire amount due. They said they would email me papers outlining the settlement offer. What they sent was some legal paperwork for me to sign admitting that I want a judgement against myself to be entered. I didn't receive any legal paperwork before so why would they send me this and why would I agree to this. In the past, when I have made a settlement on old debt it was for a much, much lower amount and I just received a letter from the company stating that the matter was considered settled. I called to ask about all the legal paperwork and they said there's a judgement that will be there against me. Then today they sent an email stating that if I did not make an initial payment that they are proceeding with legal action and the judgement. I don't know anything about a legal case or a judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have had my score and my life ruined by XXXX Experian. And XXXX. I just had my debit card frozen from a purchase I was forced to make on the Experian website and I am in my 33rd DATA BREACH please help me. I also have had my XXXX  XXXX  recalled

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 2023-03-28 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: NY

Complaint narrative:
I was a victim of identity theft all of these inquiries are acts of fraud.

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 2023-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MN

Complaint narrative:
On XX/XX/XXXX, I submitted my " final '' PSLF application that should have resulted in discharge of my student loans. I have had XXXX of XXXX payments since XXXX XXXX, on XX/XX/XXXX, after no fewer than XXXX phone calls over the last XXXX months, I learned I had to resubmit because of an error. This is after being told previously by Mohela reps that everything was " fine '' and it was just a matter of " time. '' Now, they expect it to be at least another XXXX business days to even process the application, and then another XXXX days to discharge, putting me to at least XX/XX/XXXX before this is over. I asked for an expedited review since they told me previously that my application was good, and was informed they do not do that, even though I've had it done before. Now, my qualifying employer is about to eliminate my position, which is a huge problem considering, to qualify for discharge, I need to be employed there. Mohela has told me " it's fine ; you can leave. We don't call to check. '' I have XXXX different phone calls recorded confirming this, which is legal in my state, and it is indicated in my personal file at Mohela, per XXXX conversation with a rep. However, given the inconsistent advice and, at times, outright lies ( as to not doing expedited reviews ), how can I trust this statement? At this rate, it will take almost a year for me to get my loans forgiven, which is horrific customer service. Had this system operated the way it was intended, I would not be in the terrible position of being about to lose my qualifying job without forgiveness. I fully understand that many people are impatient, but this is a potentially massive problem for me, through no fault of my own, if Mohela does not expedite this review to correct their misinformation shared with me. At this point, the amount of XXXX XXXX XXXX XXXX and XXXX XXXX I've acquired during the last XXXX months in wholly unreasonable, and I simply want this fixed. The financial consequences for me if this is not done are significant and feel like a slap in the face after XXXX years of government and non-profit work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

from ; XXXX XXXX XXXX ... thank youSomeone needs to hold them accountable for this ALL THESE ACCOUNT NEED TO BR REMOVED IMMEDIATELY WITH IN 14 TO 30 DAYS MAX

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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have had my score and my life ruined by Equifax XXXX. And XXXX. I just had my debit card frozen from a purchase I was forced to make on the XXXX website and I am in my 33rd DATA BREACH please help me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: OH

Complaint narrative:
I am a Victim of Identity Fraud. I reviewed a copy of my credit report and ( XXXX XXXX XXXX  XXXX and XXXX ) ran unauthorized credit inquiries on me on, XX/XX/XXXX and on XX/XX/XXXX. 
I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as violation of my rights to privacy. Ive reported this to the XXXX Police Department. Please contact ( XXXX XXXX XXXX  XXXX and XXXX ) and investigate such occurrence.

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 2023-03-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a Victim of Identity Fraud. I reviewed a copy of my credit report and ( XXXX XXXX XXXX  XXXX and XXXX ) ran unauthorized credit inquiries on me on, XX/XX/XXXX and on XX/XX/XXXX. 
I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as violation of my rights to privacy. Ive reported this to the XXXX Police Department. Please contact ( XXXX XXXX XXXX  XXXX and XXXX ) and investigate such occurrence.

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 2023-03-28 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: VA

Complaint narrative:
Please be formally inform of the wrongly reported accounts I have indicated below. These accounts and inquiries are destroying my credit reputation. The account listed below are not mine. I have no idea why they were listed to my credit report. I surely believe that this is a FRAUD or either somebody with the similar name. This is my FTC Report Number : XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/2022 XXXX XX/XX/2022

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 2023-03-28 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for health credit and received a letter of denial on XX/XX/2023 for various inaccurate reasons along with a false credit score of XXXX. The creditor never examined my credit from any of the major credit services for the time stated above. On XX/XX/2023 I reached out to the creditor in response to the incorrect information I spoke on a recorded call with XXXX @ XXXX XXXX  inquiring about the false information she was unable to assist me, after being placed on hold for an extended time the call mysteriously ended at 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 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had multiple overdrafts from wellsfargo with fraud and i was responsible for having to pay these. no investigation was ever done, wellsfargo closed my account and open a new account I had the same issue when I asked if I could speak to the fraud department i was told they will call me and know every did. my money was missing via on line by the app.. I never received statements or texts msg about my account. I just recently received a correspondence from wellsfargo that my address was updated on Saturday XX/XX/XXXX  i called and person i spoke to was rude.

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 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a check in Chase Bank on XX/XX/2023 in my business account. I contacted my customer and the my customer said that they had already paid the money and their bank showed that Chase had received the check paid by my customer in full on XX/XX/2023. I also confirmed that Chase had got my money. The bank put a hold on my account and froze my money and asked to do a check verification. I did not hesitate to cooperate with them for this certification. At the beginning, Chase asked me for bank authentication and did not accept the phone number provided by my customer, and said that this number could not be authenticated by Chase system. Both my customer and I felt very absurd, because this number has been used by their company since its establishment, and this phone number is also written on this check. I have also been in touch with my business customer and the business that's issued this check is willing to help me to authenticate me, and fax their bank information proof that the money has been deducted ( cleared check ) to my email. I went to the bank counter with the documents, but the bank still did not unlock my funds. In various ways, I felt discriminated against. I felt that the bank was discriminating against XXXX people! Not a little bit of help to solve the problem, all kinds of troubles for me and this is too much!

Company response to consumer: Closed with explanation