vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
On Thursday, XX/XX/XXXX. XXXX was looking at rentals on XXXX XXXX XXXX. I found a rental XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX. 3 bed 2 bath and sent seller a message via XXXX XXXX place. This message was sent to XXXX XXXX according to her XXXX  XXXX  XXXX She messaged that the rental was still available. I replied asking if we could setup a walk-thru. She replied back stating to contact XXXX XXXX @ XXXX. I called the number for XXXX XXXX and left a voicemail. He then sent me a text message and we setup a time at XXXX to view the property. As I was driving there he sent me a code to access to property. He then called me as my wife and I was touring the property. We thought it was nice so he sent me an application. I completed the application and submitted it. He then asked for an Application Fee of {$150.00} which my wife paid via XXXX through our bank account to XXXX. He then asked for two more payments for the security deposit. One for {$500.00} and one for {$700.00}. My wife again paid via XXXX through our bank account to XXXX. I then noticed a sign on one of the walls that had a XXXX code to scan. I scanned it and it took me to XXXX XXXX website. My wife called and advised them of what was going on. A lady from XXXX XXXX informed us that this was their property and that whoever we were talking to is a scammer. She advised us to contact the police. I then told the gentlemen on the phone that we know he's not the owner and that we wanted our money back. He then texted me XXXX XXXX with email XXXX stating he was his attorney and that I would have to pay another fee to get our money back. I did not pay. He then asked me to go get a XXXX XXXX and he would return my money. I refused as my wife researched this and found it to be used by scammers. He then had a gentlemen call me from XXXX and try to convince me that this was a legit transaction. I told them they were lying and I wanted my money back. We called our bank ( US Bank ) and filed a claim. Unfortunately, they opened an investigation but could do nothing else at this time. We contact XXXX and their message just refers us to contact our bank. The gentlemen from phone number XXXX and I have been texting back and forth. He keeps stating not to contact the police as he doesn't want any trouble. I told him if he just gives our money back. {$1300.00} in total. He stated he would have to go to the bank. He then stated he would get my money back to me in the monring. So this morning, XX/XX/22 I texted him and he said he was going to the bank. Then he asked me to send his transaction history of the three transactions. I refused.

I have the complete history of the messenger chat, text messages, and partial voice recording of the conversation.

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 2022-08-15 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Can not show original contract from creditor saying how much they are accusing me of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
There is a company Kimball Tirey & John. whom is reporting a collection on my credit reports XXXX XXXX, XXXX, and XXXX is not removing this account in the amount of {$13000.00} i did not open this account the account was open fraudulently i reported this to the company i filed a police report and a FTC report and sent copies of the reports to this company they are refusing to remove this account from my credit report and are violating the fair credit reporting act. 

This negative account on my credit report is preventing me from getting a mortgage loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Hi- I have been receiving credit/loan denial letters in the mail at my current home address from multiple banks and credit unions where someone has attempted to apply for a loan in my maiden name. I checked my credit report and placed an initial fraud alert on my credit through XXXX. I'm afraid someone has my social sec #, current home address, and definitely my maiden name, XXXX XXXX. My name is now XXXX XXXX XXXX ( married in XX/XX/XXXX ). There are upwards of 11 soft inquiries on my credit report, most of which occurred on XX/XX/XXXX and XX/XX/XXXX. The last time I applied for credit ( myself ) was through XXXX XXXX  ( XXXX ), when I opened a credit card to purchase furniture. I am concerned about my finances, credit score, etc. My credit is very volatile because I do not have many open lines of credit, and my mortgage is in my husband 's name and my car is paid off. These inquiries have dropped my credit score by XXXX points. Please advise me on what to do. Should l place a credit freeze with all 3 major credit bureaus? Or is the fraud alert enough to keep me safe? Also, is there anything I can do to dispute these inquiries and raise my credit score?

There are 3 loan applications from XX/XX/XXXX ( that were not me ) made at PENFED Credit Union. Personal Loan Application # XXXX, XXXX, and XXXX ( see attached letters ). Wondering if they have any knowledge if these applications were done online or in a branch. What are their requirements for applying for a loan? I'm trying to understand what information someone has of mine. Ex. ) old driver 's license, piece of mail??? 

Thank you, XXXX XXXX XX/XX/XXXX Cell : ( 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 2022-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I only authorized one consolidation of my Federal Student Aid Loans, that was the consolidation of XX/XX/XXXX, performed by XXXX. XXXX was no longer my student loan servicer. There were 14 loans consolidated XX/XX/XXXX there were no loans from XXXX - XXXX to be consolidated. This is fraud! 

There were no Federal Student Aid Loans or any other education loans after the consolidation of the XXXX and XXXX Federal Student Aid Loans  that were consolidated XX/XX/XXXX. 

Nelnet began servicing my Federal Student Aid Loans in XXXX. 

There were no Federal Student Aid Loans or any other education loans to consolidate. 

I never authorized Nelnet to consolidate any Federal Student Aid Loans, there were none to consolidate, this is fraud! 

Why has XXXX been consolidating my consolidating my loans again and again when they were not the loan servicer at the time of the XX/XX/XXXX consolidation ; there were no new loans to consolidate after XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 that a consumer reporting agency can not furnish an account without my written instruction These rights have been violated by the following accounts being listed on my credit reports : State of MI office of C. for over {$5000.00} and {$8000.00} US Bankruptcy CT GA XXXXXXXXXXXX which was discharged

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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account, XXXX has violated my rights Under the HIPPA Law, a HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not give permission 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction

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 2022-08-15 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: WA

Complaint narrative:
This began in XX/XX/2021 for an amount of {$30.00}. It was a purchase through XXXX using PayPal with a connected credit card with XXXX XXXX The goods never arrived. I submitted a claim through the XXXX website and did not receive a response. I then submitted a claim to the PayPal website and did not receive a timely response so I then Disputed the transaction with my credit card company. A month or so later PayPal, refunded the amount after the credit card company had already restored the balance. Apparently the credit card company never reversed their portion once PayPal fixed the issue. In early 2021, I was notified of a double refund by PayPal and so they put a hold on my account until I fixed the issue they are asking be to add funds ( {$30.00} ) to fix the discrepancy. I have contacted both PayPal and XXXX XXXX  multiple times. I have confirmed with XXXX that PayPal accepted the charge back. XXXX has reversed their original refund. I have provided screenshots from my account as well as the official letter from XXXX XXXX to PayPal with no change in the status of my account. When I spoke with them several weeks ago, they asked for my authorization to contact XXXX  XXXX  to try to sort things out as they claim they never received funds that XXXX pulled originally when I submitted the dispute. XXXX disputed this and can provide documentation apparently. I contacted the XXXX  at the end of XXXX and there has been no response from PayPal as of XX/XX/XXXX which was the original deadline. Since I submitted the XXXX complaint, my account is now blocked for PayPal. When I try to login it says my credentials are incorrect. I have not changed anything as far as my username or password.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Upon seeing my credit report, it pays my attention that the following accounts are inaccurate and fraudulent. I am a consumer by law. I am not happy about it what I saw. This hurt my credentials as a consumer.

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 2022-08-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc

Complaint narrative:
I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. 
Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX  enriching themselves from my hard earned money. 

XXXX XXXX, PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 
I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 
Looking forward for your reply. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
I have filed a dispute in regards of the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: TN

Complaint narrative:
Upon seeing my credit report, it pays my attention that the following accounts are inaccurate and fraudulent. I am a consumer by law. I am not happy about it what I saw. This hurt my credentials as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: AR

Complaint narrative:
I am working in accordance to my consumer protection and am seeking that certain fraudulent information be removed from my credit report on all 3 agencies Experian, XXXX, XXXX. 
The following accounts are deemed as fraudulent and companies need to be investigated vigorously because I am not the only victim. The companies are listed below in full or by their name / organization shown on Credit Report. 


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 A 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 2022-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
i reported on XX/XX/XXXX fraud had taken place on my account, sat on call w  rep for 2 hrs going over transactions.she replied at the end you will need to call back when the provisional credit hit your acct to file a claim so they can send it back to XXXX XXXX and complete full iv. that never happened they closed my account less than 24 hours later by sat XXXX XXXX  they closed the account partially as they stated, i ask well how did you conduct a full iv in 24 hrs they gave no response and said the bank chose to do it for my safety. .they than added the provisional credit sunday XX/XX/XXXX XXXX $ and withheld acces from the entire account bank cards told me i had to walk into a branch XXXXi went in today XX/XX/XXXX they stated bank was reversing the credit and i cant access it u til iv compeleted .i asked why on my last claim i had access the same day so what is the difference now why cant i withdraw any money.they stated inow have to wait 10 days and if anything is owed to youwill be mailed they treated me like a criminal and i feel i should have been able to walk in and withdraw money like any other time .. also what do they mean by owed to me its my money that was stolen and they just closed my account without saying anything.. i never even received a email to notify me after friday that they closed my account. what was the point of mailing me a new bank card and changing ym online id? why are they refusing to allow to to rightfully use the provisional credit that was granted to me? chase bank offer what is called rapid rembursement, mean they are suppose to remburse you while it is being investigated not without the funds in bad faith .i even called back sunday when fund hit account to dispute but chase refused me to dispute sayin account of fully closed but i went in branch and they stated it was not giving me false information, chase never intended on allowing me to keep the rapid rembursement they reversed the payment 24 hours after posting to my account i want to know why did they do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account, XXXX has violated my rights Under the HIPPA Law, a HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not give permission 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction

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 2022-08-15 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account, XXXX has violated my rights Under the HIPPA Law, a HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not give permission 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate and unknown information on my credit report to the following credit bureaus such as Experian XXXX XXXX with the results stating that my credit report was verified and has been updated. My account information still remains inaccurate and needs further investigation. I feel that I am being taken advantage of when they can clearly see the errors on my account. I demand that these accounts be deleted immediately or I will file litigation due to the stress that this situation has caused me. My information was also impacted by XXXX data breach and may have got into the hands of the wrong people.

If after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the re-investigation. 

Experian/XXXX  Inaccurate address/Account status Account # 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 2022-08-15 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: NJ

Complaint narrative:
Experian website does not allow me to recover my stolen account nor speak to anyone on the phone to explain the situation, only automated phone calls no matter how many numbers I try. It is very troublesome that something so critical and important is not/ can not be addressed directly with the company.

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 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I got a phone call today XX/XX/XXXX saying I was being sued from Chase Bank for a credit card that I apparently had opened in XXXX. I have never opened a credit card from Chase Bank ever I was in XXXX  during that time the only debt I had was from my student loans. Ive never received a letter a bill or anything from Chase Bank Ive never made a payment on this credit card from Chase Bank ever my first credit card was from XXXX  XXXX after I bought my truck in XXXX XXXX. I am reporting this because this is a fraud I never opened up a Chase Bank credit card account and I need someone to look into this because I do not want to get sued for something I did not do. I am reaching out to someone so they can help me resolve this issue Im not sure of the steps I need to take I did contact the legal services that said that I was being sued and told them that I never opened up a credit card under Chase Bank and they said they would be sending me paperwork to dispute this issue as well.

Company response to consumer: Closed with explanation