vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
See response letter from company, however the following tokens are still, in fact blocked : XXXX XXXX XXXX XXXX XXXX XXXX All are blocked or tokens are blocked on their system, so they are not correct in their response that I have no blocks. That is false and untrue, when speaking with the zelle reps, the reason these are blocked are from confirmed fraud from XX/XX/2022 and they will not provide any explanation of what the confirmed fraud is. I did not confirm fraud on a zelle transfer. If there was reported fraud, if we have the user 's full name, we can then confirm that the fraud is not legiminate and is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my 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 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 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 2023-02-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Hello I know I've filed a complaint already. You stated to reach out to IRS to recall this deposit. The IRS turned it over to the Bureau Of Fiscal and they have recalled payment and have sent information to Citi Bank numerous times. I finally spoke with Citi Bank and was informed that they are not responding to the Bureau of Fiscal. They have never tried to do anything knowing this was going in for almost three years now. There excuse now is the account they admit my deposit went into is now closed. They will not give me any more information and refuse to reach out to BUREAU OF FISCAL OF FISCAL WHOM HAS SENT PAPERWORK SEVERAL TIMES. The bank told me they are not liable because the account is closed. Well they knew about this long before the account closed. They are no help. I need them to answer the correspondence from the Bureau so I can receive my funds. I'm not sure what's this banks problem. The bank responded to you to say IRS RECALL THE PAYMENT NOW ITS RECALLED BY BUREAU OF FISCAL AND THIS MATTER IS STILL NOT SOLVED. I HAVE A ID NUMBER FROM BUREAU IF YOU NEED THIS PLEASE EMAIL AND ILL BE Happy TO SEND TO GET THIS RESOLVED. SEEMS THE ACCOUNT HOLDER KEPT MY FUNDS THEN CLOSED THE ACCOUNT NOW THE BANK STILL WILL NOT HELP EVEN AFTER THE BUREAU HAS RECALLED PAYMENT. THIS MAKES NO SENSE AT ALL. YOUR HELP WOULD BE GREATLY APPRECIATED THE BANK REACHED OUT TO ME TO GIVE ME UPDATED INFO BUT WILL NOT RESPOND TO BUREAU OR IRS

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 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
My home burned down on XX/XX/XXXX. It was a total loss. I notified our mortgage company ( PennyMac ) of the loss. The insurance company issued a check to me & my mortgage company. I endorsed the check & submitted it to the mortgage company ( PennyMac ) by certified mailthey received the check on XX/XX/XXXX. The funds were not applied to my mortgage @ which I contacted ( PennyMac ) to question why? I was told that they didnt know what to do with the funds, I was instructed that I had to request a payoff from the mortgage department, print it off, write the company a letter instructing/giving them the permission to apply the funds to the mortgage. That request was completed & sent to ( PennyMac ) on XX/XX/XXXX. I followed up with a phone call on XX/XX/XXXX, Spent over two hours on the phone only to find out that that still had NOT applied the funds to the mortgage. At that time I was told that the funds were in a restricted escrow account and that I had to pay the remaining balance in full before they would apply the insurance funds to my mortgage. On Monday XX/XX/XXXX we wired an additional amount of {$32000.00} to ( PennyMac ) which should have covered the rest of the mortgage minus the accrued interest & additional fees. PennyMac contacted me on XX/XX/XXXX to inform they had received the funds but I still owed {$1800.00} and they still will not apply the insurance funds unless I sent more money. 

PennyMac has set on the funds for more than a month ( Im sure they are drawing interest on {$240000.00} is substantial ). All the while they continue to charge me almost {$50.00} a day in interest which adds up to more than {$1500.00}. 

As of today after spending another hour on the phone PennyMac refuses to apply the insurance fund to my mortgage unless I pay them more. They have more than {$270000.00} of my money & they refuse to apply to my mortgage. 

There are thousands of customer complaints against this company. I have lost everything I own, I dont have clothes or a home and this company have the balls to treat the customers this way. Basically they are holding all my funds hostage until I send them more money. I in good faith have made every effort to pay off this loan. 

At this point I can not move forward. I cant rebuild or even get a loan because they will not apply the insurance funds that they have had for 32 days to my mortgage. 

I am at a loss at what I can do. They are money gougers.., nothing but greed. These loans are not set up to help the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-28 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: IN

Complaint narrative:
n accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under! 5 USC 1681. 

XXXX : XXXX, XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report counting 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 an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: KY

Complaint narrative:
I was in a US bank today to open an account myself I told to the lady that I want to open account and she said ok go and seat down I was waiting patiently because she was doing something on her computer after that she assess drop off a deposit and is still waiting for one another lady came out said wait and we will be with you so I'm still waiting for nobody else inside except me I'm just seating there if there is no drop-off deposit they working something inside the teller office then there is a woman came inside and they assess here I was thought maybe after this lady they will assess me then but I'm wrong because they do another thing again I feel I'm discriminate me because I am a XXXX, but I'm US CITIZEN ALREADY then I decide to leave because nobody want to assess me to open my account and when I leave nobody says anything US BAND 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 2023-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
We used Paypal to purchase a XXXX XXXX with a white oven door in XXXX of XXXX. We received a stainless steel stove with no white oven door. We contacted XXXX XXXX, and they issued a small refund and told us they would be shipping the door. That conversation took place in XXXX. They have not shipped the door as of XX/XX/XXXX. XXXX XXXX has knowingly committed fraud and shipped us an item that was not as described. Paypal remains complacent in the affair as well. We filed a buyer dispute, and Paypal asked us to return the item. This is a freight item, mind you. 

We deserve our money back, and XXXX XXXX needs to make arrangements to either ship us the door overnight or pay for return shipping and arrange a freight pickup. 

Paypal is insanely asinine to have come to such an inefficient resolution. 

I sent photos and documentation to prove we did not receive what we ordered. Now Paypal has not given me the buyer guarantee that they advertise. 

Paypal knowingly helps others commit fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I called TransUnion, XXXX, and XXXX after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was a accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last request and hoping that these accounts ' lates will be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX XXXX : {$10000.00}

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 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I called XXXX, XXXX, and Equifax after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was a accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last request and hoping that these accounts ' lates will be removed. 
XXXX XXXX XXXX XXXX XXXX : {$60.00} XXXX XXXX XXXX  XXXX XXXX  : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX # 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 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XXXX, I upgraded my American Express Gold card to the Platinum card and successfully met the expenses requirements to receive XXXX bonus points. However, I later downgraded my card to Gold on XXXX unaware that doing so would result in the removal of my bonus points. Despite contacting customer service on XXXX to cancel the downgrade and recover my points, I was informed on XXXX that there was nothing that could be done to resolve my case. It is disappointing that I was not warned about the potential loss of bonus points during the downgrading process, and the lengthy disclosure made it challenging to find this information. I am hoping for a satisfactory resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: 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 u.s.c. 1681 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 15 u.s.c. 1681 section 602 A. states i have the right to privacy.

15 u.s.c. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without 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 otheradverse 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 informationrelating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-28 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: 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 u.s.c. 1681 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 15 u.s.c. 1681 section 602 A. states i have the right to privacy.

15 u.s.c. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without 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 otheradverse 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 informationrelating 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 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 explanation
Consumer complaint received 2023-02-28 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: Self Financial Inc.
State: AL

Complaint narrative:
XX/XX/2021 Self Financial Inc/ Lea XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX To Whom It May Concern : The credit information currently on my credit report contains an entry showing a 30-59 days late payment but the account was PAID IN FULL. I acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments. 

It would assist me tremendously if you could make a goodwill adjustment that removes the negative payment entry from my three credit bureaus reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future.

Company response to consumer: Closed with explanation