vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: MN

Complaint narrative:
I have been trying to get the mortgage off my credit. Sent in a dispute and not getting a response. Call customer service and cant speak to anyone because they say my loan no longer exsists, so can never actually talk to someone.

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 2023-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My mother located a source for XXXX through a telegram correspondence. This was advertised from a website promoting XXXX XXXX material.Initially, she believed this to be truthful and legitimate, dude to its ties with the website claiming XXXX XXXX is currently our active United States president. I however do not share this perception about our current active President. I was suffering a severe case of parasites, which had traveled to my eyes and had developed into a severe health risk. On XX/XX/23, after a brief correspondence from someone claiming to be XXXX XXXX XXXX, ( Screenshots attached ) we were instructed to send {$150.00} through PayPal with the description of " family and friends ''. However the name that we were given, to send the money to, XXXX XXXX XXXX to this, they were very unprofessional, wrote with broken XXXX, and pushed for an illegal vaccine passport card for an additional fee of $ XXXX were told we would receive our order of XXXX the very next day. However we were approached by a ridiculous request to send another XXXX dollars for delivery. All of this naturally through XXXX. The additional request for {$100.00} simply had a white person 's hand holding a package with no address, when I had clearly given the address the day before at the time of the order. At that point we contacted PayPal and let them know of the scam quickly and without any additional questions from us they dismissed it and said there was no wrongdoing at all. PayPal seems to be complicit in fraud and obtaining finances through false pretenses. As the user XXXX XXXX XXXX is still active as of today XXXX was able to obtain Ivermectin through a regular website in conjunction to speaking to an actual person on the telephone and it was shipped within the United States. I have never seen anything legitimate, regarding any type of exchange of information or service, come from XXXX. XXXX XXXX eager to join them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I requested a VALIDATION OF DEBT and proof of wet ink signature on contract and was never provided the requested documents from Debt Collector. The Alleged Original Debt is in the amount of {$2400.00} but Debt Collector is reporting to : XXXX AND XXXX that amount of alleged debt is {$2400.00} which is a violation of FAIR DEBT COLLECTION PRACTICES ACT SECTIONS 807 " FALSE AND MISLEADING REPRESENTATIONS '', 808 " UNFAIR PRACTICES ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
Experian has not received written instruction to furnish a consumer report on my behalf in doing so Experian is actively committing identity theft

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 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi is still refusing to give me back my funds despite it multiple CFPB complaints. It's been over 40 days since I have been locked from accessing my $ XXXX in the account when Citi blocked me. 

XXXX at Citi 's ERU has been completely incompetent, unresponsive, and unprofessional. I need someone else in the ERU on this case.

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 2023-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
Aidvantage refused to accept my payment of {$200.00} on XX/XX/2023 ( payment due XX/XX/2023 ), it says there was a payment reversal. I tried emailing them, no response. I called, was left on hold for ages. They sent me a letter saying " NO ACCOUNT / UNABLE TO LOCATE ACCOUNT, '' I double checked and all my bank information was correct and I have enough money in the account to pay the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I made a purchase from Saks Fifth Avenue online website on XX/XX/XXXX for items totally the amount of {$480.00}. I sent the items back. I never received a refund for the items I returned. I disputed this charge twice, most recently as of XX/XX/XXXX. The credit card company did not resolve the dispute and added the amount of {$480.00} back on to my Saks Fifth Avenue store credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.

Secondly according to the 15 USC 1681.The law clearly states.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-04 00:00:00
Product: Credit reporting 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:
To whom it may concern. 
Experian credit reporting agency has violated my federally protected rights. 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. I asked Experian to investigate this account. XXXX XXXX XXXX that starts with XXXX. According to 15 USC 1681. Section 602A states that I have the right to privacy, Also 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnace an account without my written instructions Also 15 USC 1681C section ( 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 conviction of crimes, which antedates the report by more than seven years. 15 USC 1681S-2 ( A ) ( 1 ) A persons shall not furnish any information relating to consumer to any consumer report an agency, if the person knows or has reasonable calls to believe that information is inaccurate. I have disputed the account with experian and they continue to keep this account on my credit file. Experian has failed to uphold the law and has violated my federally protected rights by keeping this account on my credit file.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
On XX/XX/ I requested information to validate the alleged debt that has been report on my credit profile. 
It is now XXXX XXXX XXXX  and I have not received this information as requested.

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 2023-10-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
My CD funds of {$19000.00} matured on XX/XX/2023. I called phone customer services three times to close the CD account and transfer the fund to my checking account. They kept transferring to different department and even hung up on me not to make me withdraw the balance. The bank website and customer services are terrible. They do their best not to close any accounts.

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 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
A few weeks ago, I spoke with a representative at US Bank regarding my business credit card account, and she said that she could simplify my account by adjusting the account from " central billing '' to " personal billing ''. She intimated to me that the adjustment would be quick, simple, and free, as she said NOTHING about any charges associated with the adjustment WHATSOEVER. 

A month later, US Bank assessed a {$75.00} charge against me for making the account adjustment. 

I never authorized the adjustment for {$75.00}. Had I known that the adjustment would cost {$75.00}, I never would have gone through with it. 

By charging me the {$75.00}, and refusing to refund me, I believe that USBank has employed an unfair and deceptive trade practice.

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 2023-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I reopened my PayPal account because that is the only way XXXX allows you to redeem your cash back rewards from your XXXX account. Then XXXX sent an email that the cash reward had been transferred to PayPal but it was not showing in my PayPal account!! It is {$3.00}. I then reached out to PayPal by phone and no one would take my call and kept sending me to automated lines that did not help!! I called them five times and also tried to reach them through email and on my website and got no response or help!! I then requested they delete my account and they did this within two minutes!! They have committed fraud and stolen my {$3.00} cash rewards and are probably doing this to millions of others too!!! I want my money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
On XX/XX/ I requested information to validate the alleged debt that has been report on my credit profile. 
It is now XX/XX/ and I have not received this information as requested.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
On XX/XX/ I requested information to validate the alleged debt that has been report on my credit profile. 
It is now XX/XX/ and I have not received this information as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I am fighting against Portfolio against 2 accounts that appear on my credit report and they are trying to collect debts on. One is from XXXX XXXX that I have previously disputed with XXXX XXXX XXXX XXXX  got fined XXXX XXXX dollars for fraudulently opening accounts without the consumers knowledge and I have all that information with your company already ( they opened fake credit cards under my name when I only had a checking acct and debit cards, they created fake accounts showing I owed credit card debt then put the collections with Portfolio Recovery. When I submitted evidence that I did not open these accounts they sided with XXXX XXXX which is WRONG ). They did not care to hear the evidence that this was a fraudulent acct ). Now they keep reporting this as a NEW account with the credit bureaus so that the 7 year period begins anew each time I refute the account ). They are also claiming I owe XXXX money when I disputed an account with someone that bought an item from me back in XXXX  for under {$100.00} and claimed the product was faulty ( I used to sell on XXXX XXXX XXXX ). They refused to return the product for a refund but then claimed action against me with XXXX as they paid through paypal. I never got the product back and XXXX fined me about {$90.00} which I disputed. NOW, Portfolio Recovery says I owe them {$910.00} for this disputed amount. Portfolio is a sham company not caring for the truth only trying to scam people for amounts NOT OWED. This predatory practice is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: FlexShopper, Inc
State: IL

Complaint narrative:
This is information I received from the collection agency, Access XXXX XXXX : A checking account was opened under my name through XXXX XXXX Bank. An account was then opened through Flex Shopper LLC ( also known as XXXX XXXX XXXX ). Repairs were made to a vehicle with the Flex Shopper financing. Installment payments were never made. The company is collecting, on behalf of XXXX XXXX, {$3500.00}. The account was opened XX/XX/XXXX. 

This is information I received from XXXX : An account was opened XX/XX/XXXX ( presumably the date the collection began ). The first date of delinquency reported was XX/XX/XXXX. 

I have not opened either account. I have never received any correspondence from either company. This is 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 explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I got contacted by two people XXXX and XXXX I told them to no longer call me because they are violating my rights rep then declared that I need to handle my business, they then threatened me with legal action if I dont pay I felt harrassed and violated both callers were woman they got very upset when I would tell them my dob

Company response to consumer: Untimely response
Consumer complaint received 2023-10-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
I had a consumer installment loan from Aqua Finance, LLC which required that I make payments online through a website they established. Without any advance notice or warning sometime between the time I made my XXXX payment and my attempt to make my XXXX payment, the company suspended the website and I was unable to access my account. I made effort to locate a different website for the same company but was denied access stating that my account information did not exist. Repeated attempts to telephone in to the company, were unsuccessful. Subsequently I have had my account placed in collection. The company has not made it possible for me to resume making payments or accept payments despite their having suspended the only method of making payments to begin with without any advance notice or alternate options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I had Federal Direct Student Loans, serviced by XXXX, that were fully discharged ( now a {$0.00} balance ) by the Department of Education XXXX DOE ) through their one-time XXXX adjustment in XX/XX/2023. However, XXXX continues to report a positive balance of over $ XXXX to the major credit reporting bureaus through the last XXXX monthly feeds, affecting my credit scores and ability to seek a mortgage. The DOE website shows my student loan account as {$0.00}, and I even received a refund from them for overpayment. Even XXXX shows on their website my student loan account has a {$0.00} balance, that it's in good standing, and that I do not owe any payments. 
I submitted disputes with the credit bureaus regarding the incorrect student loan balance with documentation in XX/XX/2023. TransUnion even agreed with my dispute, changing my balance to {$0.00} and resulting in an increase of over XXXX points to my credit score. However, when XXXX 's last feed came through, TransUnion reversed themselves, changing my balance back to $ XXXX and decreasing my credit score over XXXX points. The other credit bureaus, after concluding their investigation, just cited XXXX 's feed, leaving my student loan balances as they were. 
I fear without assistance ( CFPB ombudsman ) XXXX will continue to misreport a positive balance to the credit bureaus for the foreseeable future.

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