vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MN

Complaint narrative:
First purchased gift card at a XXXX on XX/XX/2023. 

Tried to use the card online on XX/XX/2023 thats when I discovered the security code was scratched and whited out. 

Went back to XXXX to get an exchange said I had to contact the company for that. 

Contacted the company on XX/XX/2023, and told them the problem. They said I should email them the images of the card ( front and back ) and the receipt, and they would issue me a new gift card. They said I had to wait 30 business days to get the card. 

After 30 business days, I received no confirmation or contact on the status of my new card. I contacted the company, and they said I should wait 24 hours. Did that, no confirmation of new card. Contacted them again, and they told me to wait until after the XXXX of XXXX holiday. Did that, still no confirmation of new card. 

Called several times more, even asked to speak to the supervisor and they said they would expedite my request. They said they would refund me for the entire purchase, which is {$40.00} ( I still have the XXXX receipt to confirm this amount ). 

Finally, after XXXX calls, they said on Tuesday morning, XX/XX/2023, I should receive an email with confirmation of my refund processed. I never received such email. 

I dont want to contact them again. I believe they will not refund me. Now Im out {$40.00} and have a bad gift card that XXXX cant use in store and online. I no longer want a replacement card because I do not trust they will send me a good one. I believe they are a fraudulent company that is hoping I will give up so they can pocket the money without providing a legitimate product.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XX/XX/23 & XX/XX/23 with PayPal. I occurred {$24.00} through XXXX and they sent this amount to PayPal for me to receive. I have tried several times to get them to mail me the funds. Not much, {$24.00} but still mine. First they asked for verification of my address, which they had on file. I said Yes please send to the address you have on file. Then the next day, there asking for my Bank information to send/ mail me a check. Then they say to call there csr dept XXXX, and you don't get a live person, the automated system asks for your social security number, which they should not even have. All this for XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I received on XX/XX/2023 a debt collection letter from XXXX XXXX XXXX for a PayPal Inc account which I have never opened. 

The initial 'debt ' was for {$66.00}, with XXXX XXXX adding additional 'fees ' of {$230.00} for a total for {$290.00}. 

My information has been involved in several Data Privacy Leaks in the past, and because of this I have Frozen my credit for over XXXX years. I have never opened a paypal account, and after speaking with PayPal they informed me they are able to open new accounts with simply a First Name, Last Name and email address, and no verification. 

PayPal informed me that the account was tied to a XXXX address which is not mine. 

PayPal is enabling Fraud, and does not care how it impacts consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In accordance with the Fair Crediting Act, this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C. 1681 Section 604 a. Section 2 it also states that consumer reporting agency can not furnish an account with my written instructions. Under 15 U.S.C. 1666B states a creditor may not treat a payment on a credit card open-end consider credit pan as late for any purpose.

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 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: CT

Complaint narrative:
I had workable credit card business relationship with Aspire credit card co. I sought to close my cc acct back in XXXX of XXXX. I contacted Aspire by phone, made full payment to close this credit card. It took Aspire over one month to withdraw the final payment. Subsequently my closed Aspire cc incurred a penalty fee of {$190.00}. They sold it to a collections agency, XXXX XXXX and profited off this. XXXX XXXX has humanely worked with me but expect a XXXX payment. This should be a XXXX balance without profiting off collection sale of my cc account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, In XXXXXXXX XXXX  XXXX, I disputed the accuracy of the credit reporting being done by XXXX XXXX onto my credit profile. This request was done directly to XXXX XXXX vi certified mail. On XX/XX/, I received a notification from XXXX that the payment history has since been updated to accurately reflect the status of the account. 

Unfortunately, these updates were not provide to the other two major credit reporting bureaus and the information being reflected on my credit profile is therefore inaccurate and inconsistent across the three 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 explanation
Consumer complaint received 2023-07-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Last Month I got a called from my bank saying there fraud activity, I looked up the phone number and it came up as a chase number and that I needed to send money in order to fix this. They made me send XXXX dollars. I tried disputing the problem with chase and they have done nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: DISCOVER BANK
State: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: CITIBANK, N.A.
State: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2023-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
On XX/XX/23 I applied for a loan with One Main Financial, initially through a link on XXXX XXXX. Nothing on One Main 's results on XXXX XXXX said that the loan was a secured loan. The button I clicked, in fact, said " Take this offer ''. I clicked it after reviewing the terms of the offer. Nowhere did it say this was a secured loan, and in fact, other offering below the One Main offers were clear that they were secured loans. 

Since I was " taking the offer '', I clicked to accept the terms and authorize a credit check. The response was " you're approved '' and this was on One Main 's site. Nothing to indicate that this was for a secured loan. I filled out some information for open an account with One Main and then they asked for my car insurance and car ownership documentation. Although there was still nothing from One Main to indicate that this was a secured loan, I was suspicious. I called One Main and waited on hold for 45 minutes. Their person- on a recorded line they said- told me that I was not approved for an unsecured loan, but for a secured loan. I asked if they had done a hard credit check. He said yes. I advised him I was making this complaint. 

My complaint is this : This practice is bait and switch. One Main offered me a loan, presented the interest rate, the term, and the monthly payments and made no mention of the " secured '' nature of the loan- in fact never did until the male customer service person told me about it. Their acceptance button said " take this offer ''. Even in their Document Verification screen, in which they asked for pay stubs, and the car registration and insurance information, made no mention of the secured nature of the loan. 

At the very least, this is a sleazy business practice, but it also rises, in my opinion, to bait and switch, and possibly misrepresentation. 

Second, I applied for, and was approved, for a {$2000.00} loan. Yet, the confirming email from One Main states, in the fine print, that the minimum loan for Virginia residents is {$2600.00}. That confirming email did not appear until after the application. So they offered me a {$2000.00} when they knew, or ought to have known, that even if approved, the minimum must be {$2600.00}. [ Screenshot attached ] What explains why they would offer a {$2000.00} loan and then state a {$2600.00} minimum?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: OH

Complaint narrative:
I have accounts on credit report that i did not authorize and need them remove, here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: FL

Complaint narrative:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities, so it's very infuriating to be told those accounts have been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor.

2. The contact information for the creditor.

3. The name of the person who verified the item to you.

4. The method of communication you used to verify this information.

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 2023-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

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  Account # Account number 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 non-monetary relief
Consumer complaint received 2023-07-21 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: NJ

Complaint narrative:
To Whom it May Concern : 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name : XXXX XXXX Auto Account Number : XXXX Account Balance : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Account Balance : {$660.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Amount : {$610.00} Account Number : XXXX Account Name : XXXX XXXX Account Balance : {$940.00} Account Number : XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Bank has violated my rights by reporting a late payment in XX/XX/XXXX. 

According to law 15 U.S. Code 1666 b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please update the late payments to current immediately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Original Balance : {$440.00} Date Opened : XX/XX/XXXX The following Inquiries reporting are unauthorized. Please remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: NY

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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