vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XX/XX/2022 XXXX : My name is XXXX XXXX. I am writing in regards to XXXX XXXX XXXX, XXXX  attempt to collect a debt on behalf of American Express. The account ending in XXXX. 
The total balance owed, as I understand is : {$5400.00}. I am writing for assistance because I do not wish for this team to take the harshest penalty on me, by suing me for the funds in which I explicitly do not owe or possess. 
I am a XXXX veteran of the USA. I have no available funds or assets to liquidate to satisfy this debt in full or at thirty-five percent. 
I do not own a vehicle. And I do not own a home and I do not own any properties. I am not actively employed. I live with my family XXXX XXXX XXXX XXXX with one XXXX  XXXX XXXX  a XXXX XXXX. I survive on an XXXX  XXXX  daily. 
I am able to secure via family agreement, a full payment, to clear this debt in the amount of {$1500.00} given that XXXX XXXX XXXX, XXXX. is able to accept and agree in full, that, this debt will be satisfied and there is be no further collection attempts and that American Express will in good faith honor this payment as a debt satisfied in full with no further collection attempts and all lawsuits will cease immediately upon receipt of payment! 
XXXX XXXX XXXX, XXXX. will be able to reach me via telephone at : ( XXXX ) XXXX, only if this communication is something they are going to accept and allow a payment of {$1500.00} to me made on the date in which they contact me. 
If this offer for settlement is accepted, XXXX XXXX XXXX, XXXX. may contact me via telephone to collect a payment of {$1500.00} in full. Once the payment is posted, they will submit to me via email and fax ( XXXX ) XXXX, a receipt for payment, as well as communication advising that the debt is satisfied and paid in full with no further collection or legal attempts to me made. 
Thank you, XXXX XXXX XXXX XXXX XXXX Ct XXXX 
XXXX, NC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
RE : Notice of unauthorized use of PayPal credit account. 

Dear Sir or Madam, I am the victim of identity theft. My Paypal account was used for multiple unauthorized transactions on XX/XX/XXXX, XXXX, and XX/XX/XXXX of XXXX. The first transaction of {$360.00} on XX/XX/XXXX was legitimate. I did not authorize the two subsequent transactions that day or any other PayPal transactions after XX/XX/XXXX. I did not authorize anyone else to use my PayPal account in any way. 

I am notifying you, pursuant to the Electronic Fund Transfer Act. and implementing Regulation E, 15 U.S.C. 1693 et seq. 12 C.F.R. 205 of my unauthorized transactions.

See especially 12 C.F.R. 205.6, 205.11. I request that you investigate any unauthorized transactions involving my PayPal account, including but not limited to the following : {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$410.00} on XX/XX/XXXX I am attaching a copy of each of the following documents to this letter : The FTC Notice to Furnishers of Information FTC Identity Theft Report Please restore any funds which have been withdrawn from my PayPal account and adjust the balance and interest back to XX/XX/XXXX. Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. Please send me written confirmation that any funds have been restored.

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 2022-04-14 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 — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: MI

Complaint narrative:
you cant even talk to someone about your problems because they only do email and you still dont get the issue resolved cash app is a horrible app an has taken thousands of dollars from me an never have i once talk to a real person to get my issue fixed on so many occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 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
Consumer complaint received 2022-04-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a capital one card and was approved about 6 months ago. I was given a {$500.00} limit which I have been responsibly maintaining I was recently given a {$100.00} increase about 2 weeks ago. I was at the grocery store trying to buy groceries and it said my card was not authorized when I get home I call Capital One and they said my account was closed without a reason as to why. I just need a explanation as to why my account that was in good standing, just got a credit increase but now all of a sudden its closed. I need to know why they closed it, and they should be able to explain that to me. I even have some cash rewards money that I have lost from this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I merely used the services Chase bank enabled on their website to open an account and transfer money. As a result of my ordinary banking activities, a large sum of money is now being withheld for an unnecessarily long period of time. To make matters worse, I have no recourse to get my funds in a timely manner. 

On XX/XX/2022, I use Chase 's online system to open a new checking account. Since I was already a Chase customer, I was able to transfer {$5000.00} from an external account immediately. 

On XX/XX/2022, I attempted to login to my online banking account, but was locked out due to " suspicious activity. '' I called Chase and learned that the account was pending to be closed and that I would receive a check for {$5000.00} in a timeframe of XXXX days. 

I was told I could open a new account in person and then have the funds be transferred there. However, when I tried to do this at the XXXX XXXX branch in XXXXXXXX MD, they said they could not transfer funds out of the account pending to be closed. They verified this with customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: MD

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I filed a complaint with cfpb about truist and failing to apply a payment I made on a credit card they still havent applied this payment. I also told them to stop calling me unles it was in regard to this payment. 
They have called me 2 to 3 times a day and its not even about the payment they have upped the harassment calls.

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 2022-04-14 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: Berlin-Wheeler, Inc. (Kansas)
State: NV

Complaint narrative:
I don't have any form of contract or agreement to BERLIN WHEELER INC XXXX. I have been sending written letters to BERLIN WHEELER INC about this matter but they are still neglecting my request of getting it removed. Also, I have asked for some copies of any signed agreement between me and BERLIN WHEELER INC but until now, I got nothing. This is a serious matter for me then they should take this complaint seriously.

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 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
At the start of the pandemic in XX/XX/2020, I was laid off and unable to make credit card payments, car notes, rent, etc. I also contracted covid and tested positive. I reached out to the company a few months ago, alerting them of my situation about how Ive had my account for many years and never missed a payment up to this date except for the missed payments at the pandemic 's beginning. Once I recovered, I paid all my debts and stayed on top of my bills. Its coming up on two years of on-time payments. I contacted the company asking if they could remove the late payments from my credit report because they happened a few months before the company offered that option. They said no. That is the only reason I was able not to miss any more payments was because of that option until I recovered and found work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Items are being reported multiple times, even after I have them removed. 
My information is being sold to other debt collectors, who are harassing me for something that has already been paid off.

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 2022-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: NV

Complaint narrative:
Since XX/XX/2022 I have attempted to obtain a prequalification with Guild Mortgage in XXXX, Nevada through XXXX XXXX. I am looking to buy a property at Nevada XXXX in XXXX XXXX, NV. I have my own lenders, XXXX XXXX and XXXX XXXX  but the Builder at XXXX  XXXX requires I get pre-qualified with Guild Mortgage but can use my own lender. I talked to XXXX XXXX XXXX time only by phone. I provided the credit information needed and my COE from VA and income, etc and have repeatedly asked for a prequalification so that I can sign to hold the lot XXXX plan XXXX. She has not called back and will not say yes or no regarding the prequalification letter so I can hold the house I want. It will cost me the house. I have attempted to reach out to a branch manager at Guild Mortgage and no one will call me back. I feel discriminated against because of my XXXX service connected disabilty.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX, I made a domestic wire transfer from a business account held in XXXX XXXX  in XXXX, Texas in the amount of {$14000.00}, to an auctioneers business account held in Wells Fargo Bank. The beneficiary is located in XXXX, Texas. 
The transaction is in payment for goods I purchased from the XXXX Treasury auction. 
XXXX XXXX  completed the transaction, and the wire was received by Wells Fargo on XX/XX/2022 at XXXX hrs. The confirmation of the wire is FED XXXX Wells Fargo held the payment for three business day without justification ; thus, causing undue delay which caused, and is still causing me serious financial damage. The payment is still not released until the time of filing this 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 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report shown active as of XXXX when the actual closed account was in 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 2022-04-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
For almost 2 years, I have tried to get Equifax to update that status of an account that is OPEN but is reporting as CLOSED. I have disputed the item in effort to get it updated to correct information only for them to tell me that it has been verified by my loan company XXXX XXXX. I have up to date payments and documentation to verify that the account IS OPEN and ACTIVE yet even though I have contacted XXXX  and they are fully aware of the error in their reporting, they have yet to correct it on my Equifax credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 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