vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Bills are past due and I really need access to my funds. My account was frozen after withdrawing funds ( multiple withdrawals adding up to about {$560.00} ) from my PayPal account to my Venmo account via my Venmo Debit card ( I do not have a PayPal Card and needed to withdraw funds via ATM ). I am 100 % verified on both accounts and never had any issues. I have provided my ID, as well as a selfie of me holding my ID as requested for verification purposes. I am willing to verify my identity via video call as well. Whatever it takes. I live paycheck to paycheck and this freeze on my account is putting my family at risk of becoming homeless. If Venmo 's security system was triggered for or was not satisfied with me adding funds via the method used, I am ok with Venmo reversing my withdrawals back to my PayPal account. I have a beautiful XXXX XXXX XXXX XXXXr and a XXXX XXXX XXXX XXXX I ask that Venmo release unfreeze my account and allow me access to my funds. I can not wait even a day longer. It has been a week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I'm a 100 % combat-related, service-connected XXXX XXXX  that has owned and resided in my home since XXXX. 

XXXX  XXXX has a full exemption from property taxes for XXXX with 70 % or more XXXX. My yearly tax bill is about {$10000.00} had I not been exempt I have received exemptions for all years XXXX ( Taxes are billed in arrears ). Penfed Credit union took over the loan in XXXX and honored the exemption till this year. 

Since I have to re-apply for the exemption on a yearly basis, there was an issue with processing it in XXXX. Till XXXX, Penfed has charged me only principal and interest as they should have, however, in XXXX they claim to have paid over {$40000.00} in back taxes to XXXX XXXX XXXX XXXX XXXX making an advance to my escrow balance and charged me the full amount. They have failed to provide any evidence of that payment except from the escorw statement and XXXX XXXX has acknowledged receipt of only ~ {$7000.00} of the {$40000.00} paid. Another ~ {$13000.00} that was paid has returned back to Penfed based on the statements, however, the remaining {$20000.00} has been unaccounted for - neither XXXX XXXX has received it nor Penfed has been able to produce evidence that they've paid in my name. 

I have obtained letters from the XXXX XXXX assessor 's office that I have been fully exempt for all years and have provided those letters to Penfed. The letters and tax bills provided by the assessor 's office claim that my tax bill has been 0 for each year all along. 

I have provided all the evidence to Penfed requesting proof of payment ( cancelled checks, paystups etc ), however, they have been unable to produce that. 

To date, I've paid {$26000.00} towards escrow for insurance and taxes in XXXX - even though I shouldn't have paid anything since I've provided evidence of 3rd party insurance paid in full as well as evidence of tax exemption. 

Penfed has been aggressively trying to collect the balance and has severely damaged my credit score - which has substantial negative implications on my business since I'm in real estate acquisitions and my credit score is extremely important to me. It has gone down from XXXX to XXXX within 3 months. 

They are trying to collect their remaining balance of advance escrow payment ( last bill they sent me was for 18K ). While I've sent multiple communications to them, and spoken to their supervisor, who has acknowledged that there must have been a mistake after reviewing evidence from the assessor 's office - however, this ordeal remains unresolved, with my credit score plummeting as they have been conducting their " research '' to resolve the matter for the past 4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing in response to the documents that were not legible regarding the block pertaining to the 605 ( C ) Fair Credit Reporting Act ( FCRA ).

I sincerely apologize for any inconveniences caused by the poor quality of the documents.

I have attached the updated documents to meet your requirements to move forward with the block!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: AR

Complaint narrative:
I applied for the save plan. Last month XX/XX/XXXX my payment was XXXX. In XX/XX/XXXX is saying I owe over XXXX for my monthly payment. But Im on the save plan and it not being applied this month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Approx XX/XX/2023 applied for a Citibank Checking account in winch I had to go through rigorous identity verification to open, In which I successful completed, About 2 weeks from opening the account when several transfers we set from me and my partners old accounts, this new checking account with CITI WAS LOCKED AN UNABLE TO USE, ONCE AGAIN, I WENT THROUGH ANOTHER IDENTITY VERIFICATION from their fraud and loss prevention dept. I did ALL THAT THEY ASKED yet I still to this day have not been cleared nor heard from them. I keep calling them almost every day and they keep giving me the run around and they are holding up all my Money over {$2500.00}

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 explanation
Consumer complaint received 2024-01-02 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: NY

Complaint narrative:
XXXX is showing different last days paid on account to the credit bureaus.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX is showing different last days paid on account to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I need a refund for a scam. Cash App only let me send {$32.00} thankfully to this fraudulent seller. I was attempting to purchase, at a steep discount, a XXXX XXXX for my boyfriend 's use for XXXX. We are way below the poverty line and not in good shape financially, and I've never had much issue with people on XXXX that are members in groups local to me. This XXXX XXXX XXXX turned out to be dishonest and consequently blocked me or made me unable to work something out. I know it was scam because Cash App did, thankfully, block my sending the remainder of what was requested to cover shipping ( up to {$50.00} ). I then realized this seller was problematic/fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
My information was sold and bought illegally because I was a victim of XXXX XXXX breach I want these items delete it from my credit report effectively immediately I am attaching proof that XXXX has admitted that I was in fact a victim of data breach and XXXX has done nothing please help me delete these illegal accounts from my credit report. 
XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Exeter Finance Llc XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I sent in my payment on XXXX. It was due in XX/XX/XXXX. They posted it on XX/XX/XXXX then charged me 2 late fees ( 2different cards ) Looks like even though they got it way before it was due, they can do what ever they want and then bill me. Company is Citibank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2023, I made a payment to XXXX who collects for XXXX XXXXXXXX in the amount of {$260.00}. It was a settlement payment. I received a paid in full letter but the account still show on my credit report as unpaid.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I just checked my XXXX and Transunion Credit Report and it shows multiple billing errors. Please see the dispute letters I sent to the Bureaus.

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 2024-01-02 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am submitting a formal complaint against American Express, expressing significant concerns about potential privacy law violations, particularly the insufficient disclosure of opt-out rights. As a responsible credit cardholder, I expect institutions like American Express to uphold transparency, fairness, and compliance with regulations. Recent observations raise serious concerns, warranting a thorough investigation into American Express 's practices.

My primary concern is the apparent lack of disclosure regarding consumers ' right to opt out of information sharing, a crucial aspect of privacy. Section 15 USC 6802 ( b ) ( c ) mandates clear explanations, but American Express may not effectively communicate this information. The absence of opt-out information, a right under 12 CFR 1016.7, is troubling, hindering informed decisions and raising compliance questions. 

Beyond opt-out disclosures, concerns extend to potential Fair Credit Reporting Act ( 15 USC 1681 ) violations. Section 602a emphasizes fairness, impartiality, and respect for consumer privacy, areas where American Express may lack full compliance.

The apparent lack of information on opt-out options may signal broader insufficient privacy disclosures. Section 15 USC 1681C ( a ) ( 5 ) prohibits certain adverse information disclosure without proper authorization, necessitating clear privacy disclosures under The Privacy Act of 1974. 

Notably, under 15 USC 6805, the privacy notice reveals involvement with third-party companies, implying potential Privacy Act and terms and conditions violations. 16 CFR Part 313 and 16 CFR 433.2 outline requirements for privacy practice information.

Emphasizing 5 USC 522a in relation to identity theft, protecting personal information is vital, and any false use of identity, as suspected with American Express, contravenes the law.

Additional concerns involve potential FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ) violations, as it prohibits having a consumer report containing solely transactional information. Such violations breach consumer trust and ignore fundamental principles of consumer protection. 

Lastly, 15 U.S. Code 1681s2 ( A ) ( 1 ) A underscores the importance of furnishing accurate information to consumer reporting agencies, a responsibility that must be upheld.

In light of these concerns, I urgently request a thorough Consumer Financial Protection Bureau investigation into American Express 's practices. I implore the Bureau to address opt-out and privacy disclosures, considering relevant laws, and ensure compliance with privacy laws and consumer protection statutes.

I appreciate your attention to this matter and trust the Consumer Financial Protection Bureau will take necessary steps to safeguard consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: MO

Complaint narrative:
Experian at XXXX sends a email and this is the XXXX email stating my information has changed. Why is Experian changing my information, I did not send them anything to change. Experian lied to he CFPB on every email response. Doing our due diligence we discovered that Experian has dine this to thousands of people

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 2024-01-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
american express gift card {$100.00} declined everywhere I tried to use it. 
XX/XX/XXXX declined @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - called cust service in XXXX and was told that I first have to activate it which he said he did. 
XX/XX/XXXX card declined @ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: MO

Complaint narrative:
Once again in the middle of the night after the XXXX  experian starts yet again not telling the truth and begins again trying to extort money for correct credit scores. Experian states that your payment history is 35 % of your credit score well what happens when experian Wipeout 19 NOW GOING ON 20 months of on time never late payments to XXXX and refuse to give them back

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 2024-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Roadrunner Account Services, LLC
State: FL

Complaint narrative:
During the week of XXXX XXXX, XXXX  Someone by the name of XXXX XXXX at XXXX continues to call my previous employer. This behavior is continuous despite my employer notifying that I no longer work there. If its not this person its another person. They have even asked to speak to supervisors even after being told that I no longer am with the company. I was contacted by my previous employer and informed of the ongoing calls from this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I just recently checked my Equifax and XXXX credit reports and It shows some unauthorized accounts. 

This account is inaccurate and fraudulent. I'm seeking litigation. Please delete and block from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: DISCOVER BANK
State: NY

Complaint narrative:
I am submitting a formal complaint against Discover Bank, expressing significant concerns about potential privacy law violations, particularly the insufficient disclosure of opt-out rights. As a responsible account holder, I expect institutions like Discover Bank to uphold transparency, fairness, and compliance with regulations. Recent observations raise serious concerns, warranting a thorough investigation into Discover Bank 's practices.

My primary concern is the apparent lack of disclosure regarding consumers ' right to opt out of information sharing, a crucial aspect of privacy. Section 15 USC 6802 ( b ) ( c ) mandates clear explanations, but Discover Bank may not effectively communicate this information. The absence of opt-out information, a right under 12 CFR 1016.7, is troubling, hindering informed decisions and raising compliance questions. 

Beyond opt-out disclosures, concerns extend to potential Fair Credit Reporting Act ( 15 USC 1681 ) violations. Section 602a emphasizes fairness, impartiality, and respect for consumer privacy, areas where Discover Bank may lack full compliance.

The apparent lack of information on opt-out options may signal broader insufficient privacy disclosures. Section 15 USC 1681C ( a ) ( 5 ) prohibits certain adverse information disclosure without proper authorization, necessitating clear privacy disclosures under The Privacy Act of 1974.

Notably, under 15 USC 6805, the privacy notice reveals involvement with third-party companies, implying potential Privacy Act and terms and conditions violations. 16 CFR Part 313 and 16 CFR 433.2 outline requirements for privacy practice information.

Emphasizing 5 USC 522a in relation to identity theft, protecting personal information is vital, and any false use of identity, as suspected with Discover Bank, contravenes the law.

Additional concerns involve potential FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ) violations, as it prohibits having a consumer report containing solely transactional information. Such violations breach consumer trust and ignore fundamental principles of consumer protection.

Lastly, 15 U.S. Code 1681s2 ( A ) ( 1 ) A underscores the importance of furnishing accurate information to consumer reporting agencies, a responsibility that must be upheld.

In light of these concerns, I urgently request a thorough Consumer Financial Protection Bureau investigation into Discover Bank 's practices. I implore the Bureau to address opt-out and privacy disclosures, considering relevant laws, and ensure compliance with privacy laws and consumer protection statutes.

I appreciate your attention to this matter and trust the Consumer Financial Protection Bureau wi ll take necessary steps to safeguard consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am exhausted telling JP morgan Chase sapphire card over 30 times now that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  interest payment All the above are NOT my charges. XXXX XXXX charged these. He was removed from the card in XXXX. 
I demand ; IP addresses for all the above transactions And Reimbursement for all the above transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I was on XXXX  and my claim went through that was already processed with XXXX  relief through XXXX  but the wells Fargo bank closed my account due to car insurance fraud. When they closed my account and started up a new one XXXX from my claim including XXXX in XXXX  relief was withheld and I never received it. My old account was kept open and the fraud was manufactured through a closed account. I put through disputes to the bank but this portion of my dispute has not been paid back.XXXX is still owed to me. At the time I was emaciated and starving at XXXX for lack of food and work which caused health problems.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I just checked my Equifax and XXXX Credit Report and it shows multiple billing errors. Please see the dispute letters I sent to the Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My information was sold and bought illegally because I was a victim of XXXX XXXX breach I want these items delete it from my credit report effectively immediately I am attaching proof that XXXX has admitted that I was in fact a victim of data breach and XXXX has done nothing please help me delete these illegal accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conn Appliance INC XXXX XXXX

Company response to consumer: Closed with non-monetary relief