vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
On XX/XX/2023 I received an email stating that someone had tried to buy {$1200.00} of bitcoin through my PayPal account. The email included a phone number to call if I had not made the purchase. I called the number and the male I spoke with told me that he did work at PayPal. During the conversation I stupidly allowed him access to remotely sign onto my XXXX. He said to Venmo him {$400.00} which he would refuse to accept to fix my issue. I stupidly did that. He later asked to to use XXXX to send money so I hung up. When I realized that the {$400.00} Venmo had not been cancelled as he assured me it would I called my bank and put a stop payment on it. Venmo has emailed me several times and froze my account trying to get me to release the {$400.00}. They even contacted my bank which refused to release the money. I called and spoke with customer service at Venmo twice and emailed them twice explaining the scam but that did no good. They will not allow XXXX to close my account and keep emailing me That I owe them the money. My granddaughter tried to send me {$4.00} and Venmo kept that money and said I now owe them {$390.00}. Im only out {$35.00} ( the money I paid to stop payment and the money my granddaughter sent me ) but I want that off my record snd want to collide my Venmo account. Ive asked them to stop harassing g me and have not received another email for several days but my account remains frozen with a debt. I dont know if this can be held against me through any credit agencies but feel it should not. Is there anything that can be done so I can close my Venmo account and stop them from keeping any money meant for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I mailed a letter to all three reporting agencies to reconcile my report. Since my last communication, I have waited 30 days for a response and at this time I can't get my current score or report. My main concern is that the bankruptcy from XXXX is still present on the credit report as well. I have sent copies of a letter from the Eastern District bankruptcy court in XXXX WI stating that this information was not supplied by them to any reporting agency. I have since asked the reporting agencies to submit the following. 

Please verify that this public record is reporting completely and accurately please verify that the complete and full court name is reporting the full complete and accurate docket identifier, bankruptcy type, account ownership type, attorney name, disposition type, disposition dates, filed date, pay date and settle date. If you are unable to verify any of the information requested remove this bankruptcy immediately all dates should be reported fully and accurately to maintain the integrity of my consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NY

Complaint narrative:
As I was checking my credit report almost two years ago I received public service forgiveness on my under grad student loans acct number XXXX. It makes me angry to see Mohela has my student loans listed on my XXXX  account written disputed consumer and on XXXX student loan fixed rate. This is listed on my XXXX account too which I see you closed on XX/XX/XXXX Why would I dispute my federal student loans Mohela needs to upgrade my students loans to its rightful status and remove this lie as well as XXXX  these companies should not be allowed to write these un truths on consumers credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # 1937, Account name XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : 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 reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
when i received transUnions credit report that i did not ask for in my complaint about a new address that i never lived at nor changed my address to show up on my report i noticed that they have 2 other addresses that i have previously reported to them that I never lived at. yet they never removed them from my credit report. they also have not removed the address i filed the complaint about last month nor did they tell me who reported that to them that i was now living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i need to know who reported this address so i can address it with the company that reprted me being at this address. 

they also list two other address in XXXX that are incorrect and they have been notified in the XXXX 's that these were incorrect. there errors have caused me nothing but headaches as the state of florida uses transunion as part of there verification process when you try to get a replacement drivers licenses. those two address are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX How many times to i have to request that transunion delete addresses that i have never lived at before they are required to delete the information. 

How many times do i have to request who reported an address in XXXX XXXX for me in XXXXXXXX XXXX XXXXXXXX before they provide the information. 

the only correct address on my credit report are the XXXX XXXX XXXX XXXX address as i gave up the Post office box XXXXyears ago. why is transunion allowed to stay in business when they do not follow federal law and remove addresses that they have been advised are incorrect?

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 2023-04-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A fraudulent payday loan was made in my name. I became aware of the issue on XX/XX/2023. I received a letter from XXXX XXXX about debt collection. The company name is XXXX. I reported that this was identity theft/fraud to them as well as Experian, XXXX, and XXXX. I have put a freeze on my credit with all three reporting agencies. 
When I checked my credit report this shows as a bad debt.

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 2023-04-07 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. 
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.

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 2023-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Deposited money in to the savings account I tried to set up regular deposits every 2 weeks. When the money was not transferred, i called i was informed that they take the money 3 days before the set date i arranged i wasn't informed of this, I called customer service that was when i was informed that my transfers between accounts was canceled. 
I could no longer move money between accounts I had to open a checking account with Ally. I did I transferred money from the savings account to the checking account I was told to open I asked for a atm card they said that it has been requested but i never get the card it has been a month and i have requested 3 cards that I never receive I can no longer transfer money into the ally account from my chime account and I cant move money in or out without a debit card

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 2023-04-07 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: EQUIFAX, INC.
State: WV

Complaint narrative:
I have been denied credit by several companies due to Equifax repeatedly placing XXXX XXXX XXXX XXXX  acct . ending in # XXXX back on my credit report. The account was flagged for fraud by XXXX XXXX XXXX . They closed the account an issued me a new card ending in # XXXX. I have sent all the bureaus copies of the correspondence from XXXX XXXX XXXX where they acknowledge the fraud. XXXX XXXX  XXXX have even requested the information be updated in the Equifax system . Again I have repeatedly been denied credit due to this issue, which is causing catastrophic issues and increasing my debt load because I can not refinance any of my existing debt. 

I have been attempting to have this information removed since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As I was checking my credit report almost two years ago I received public service forgiveness on my XXXX XXXX XXXX loans acct number XXXX. It makes me angry to see XXXX has my XXXX  loans listed on my Experian account written disputed consumer and on XXXX XXXX loan fixed rate. This is listed on my XXXX account too which I see you closed on XX/XX/XXXX Why would I dispute my federal XXXX loans XXXX needs to upgrade my XXXX loans to its rightful status and remove this lie as well as XXXX these companies should not be allowed to write these un truths on consumers credit reports.

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 2023-04-07 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: FL

Complaint narrative:
In accordance with the fair credit reporting act and XX/XX/XXXXXX/XX/XXXXaccount # XX/XX/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 XX/XX/XXXX interactive XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  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 2023-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NV

Complaint narrative:
My account is on hold and has been on hold for over a week now. Ive sent in the documents requested, Ive followed every instruction. My account is on hold because I used my own money from my own saving accounts. This has caused a huge inconvenience for me, because I now have money that is still in the account but dont have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rozlin Financial Group, Inc.
State: FL

Complaint narrative:
XXXX sent my personal debt to my parents. I do not live there nor have I ever lived there. I am XXXX XXXX XXXX adult. How dare you disclose my private information to my parents when I am a legal adult. How DARE YOU?! Notice sent on XX/XX/28 by XXXX of Rozlin Financial Group!!!! HOW DARE YOU STOOP SO LOW TO EMBARRASS 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 2023-04-07 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: PA

Complaint narrative:
TO WHOM IT MAY CONCERN, My name is XXXX XXXX XXXX and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have a Federal Student Loan Balance under {$4000.00}. I submitted applications for federal student loan forgiveness as well as, public service student loan forgiveness. While the Biden Administration works out those details, student loan payments and interest have been paused. Navient has harassed me with phone calls and reported my account 90 days delinquent to the credit bureaus. This has dropped my credit score over XXXX points. I am in the middle of a home repair. This fraudulent behavior is costing me and my family money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX ( # XXXX ) charged amount of XXXX for Automobile/Vehicle Rentals on XX/XX/XXXX to my Bank of America Credit Card ( copies attached ). It came as a shock to me. On XX/XX/XXXX my car sustained damage due to hit and run ( likely a criminal act ). As required I contacted the Police ( XXXX XXXX ) and an examination was done at location XXXX XXXX XXXX XXXX lot of XXXX XXXX XXXX and report issued. I was enrolled in Automobile Insurance and was authorized to take my vehicle to their designated repair shop - Collision Express. In the mean time I was provided with a rental car by insurance company as required by law/policy. Apparently the Insurance didn't pay the Rental XXXX as required even though they were apparently billed. So XXXX charged my credit card to the amount. I disputed the charge with the credit card company in about XX/XX/XXXX. Though I provided myside of the story, the dispute went for more than 90 days despite me calling them several times and even promised expedited process. Few days ago I called and was told that they dismissed my dispute. The dispute is bona fide and should have been forwarded to XXXX for their response. Instead the credit card simply dismissed my dispute and I believe acted in bad faith and simply dismissed. I explained to them it is a dispute and not a service provided. The Insurance company did not pay them. That the insurance company along with their client the repair shop ( XXXX XXXX ) arranged their client XXXX 's car for rental. Not my choice. The insurance company did not pay XXXX as required. Clearly mal-practice of insurance company refusing and/or delaying the payment to XXXX, their business partner. After 90 days they dismissed my complaint without even seeking a response from XXXX who charged my credit card unusual amount. The reason provided by Bank of America business card is I believe fraudulent and/or wanted to pull this under the rug as the dispute resolution process would have unearthed/ exposed the unethical and illegal activities of XXXX and/or their partner XXXX XXXX. So they did not go through the normal / required dispute resolution process but I believe purposely delayed 90 days and/or beyond as they had no intention of going through the process. I also believe they engaged in un-ethical and/or illegal backdoor communications with XXXX for the purpose of dismissing my dispute. Simply fishy, unethical, fraudulent and likely breaches rules and regulations.

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 2023-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: OR

Complaint narrative:
I initiated an on-line transfer of {$4100.00} from my XXXX XXXX XXXX account to Bank of New York . The full sum of the transfer was to be deposited into their client, XXXX XXXX account. The transfer was initiated XX/XX/XXXX. XXXX XXXX client, who was the intended final recipient of the transfer, manages vacation property and they reported to me that the funds were not received. To this day the property management company has not received the funds. 

XXXX XXXX XXXX put a trace on the funds and Bank of New York responded they were unable to locate the funds. XXXX XXXX XXXX dropped the claim. I personally called Bank of New York and spoke with the transfer department regarding the transfer that was to be deposited into their clients account. The transfer department confirmed the XXXX XXXX account number used was correct and that {$4100.00} had been deposited into the XXXX XXXX account on XX/XX/XXXX. I was told the money was a bank to bank transfer and therefore the funds can not be returned to me directly. I spoke with the manager of the transfer department and he confirmed record of deposit to the proper account and informed me XXXX  XXXX XXXX would need to submit a Letter of Indemnity to move the case forward. XXXX XXXX XXXX escalated the case to their fraud department and I was informed by XXXX XXXX XXXXXXXX that the case was once again declined due to Bank of New York not responded to their request to investigate. 

I have been advised by a financial attorney that I am entitled to a confirmation of deposit of the transferred funds from Bank for New York be sent to my XXXX XXXX XXXX Branch Manager. I called Bank of New York again on XX/XX/XXXX and spoke with the manger of the transfer department, XXXX, a second time requesting a confirmation of deposit be sent to the XXXX branch manager where I have my account. XXXX laughed at me and stated he found this request highly unusual and that I have no right to any such documentation. I gave him the email of my XXXX  branch manager and requested he send documentation of transfer of funds. My branch manger has not received this confirmation as of this time.

Company response to consumer: Closed with explanation