vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I attempted to send {$500.00} as a security deposit to a landlord I signed a rental agreement with. Venmo automatically declined the transaction. I called my bank to be sure and the bank confirmed that the transaction was not even hitting the bank. 

I called Venmo as was told that the transaction was flagged for safety and security reasons and the transaction was not allowed. I requested to know what the safety and security reasons were, and Venmo representative and supervisor stated that they did not have any further information but that I should conduct the transaction on PayPal. 

I feel that if there is a legitimate safety and security reason behind not being able to transact money with another Venmo user then I have a right and a need to know what the security concern is. 

My concern is that there is no legitimate reason and Venmo is discriminating against who I can send money to and who I cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had a business banking account with Chase. One day I was out trying to use my card and it declined. I called the bank and they informed me my account was restricted and they couldn't tell me why. Later, they said my account would be closing due to reasons that were unknown. My account closed on XX/XX/year>. Chase told me all the remaining funds would be mailed to me within 7-10 business days of account closure. On multiple occasions I was told my check was mailed out on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Today is XX/XX/XXXX and I was told my check hasn't even been sent out. I requested they send the check to a new address since I never received it. Chase is telling me this is an issue on the back end of the bank and I'm not able to speak to them in regards to this continuous problem. Apparently chase has been lying to me to me this entire time about my check being sent out, it has been two months and I still don't have my funds. I have been severely inconvenienced without my funds and without my account closing with no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: IL

Complaint narrative:
XXXX XXXX has misreported information on my credit report.

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 2024-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
On XX/XX/year> I requested that the United Collections Bureau send me validation of a debt in the amount of {$1900.00} from XXXX XXXX, the original creditor. Once I got the itemized statement, I noticed that it had procedures on there that should have been protected under HIPPA. I am demanding that since UCB violated HIPPA law, they delete this account from their office. If this account is not deleted within thirty days, I will seek litigation. Please provide written proof that this account is deleted and will not be reported to the credit bureaus. Attached are pictures of the letter UCB sent via mail. Thank you. 

Reference numbers : XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: OH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: VA

Complaint narrative:
I have 4 federal student loans with XXXX. After XXXX updated their new website, they have failed to report accurate payment history to the three credit bureaus by either stating they have no records of my XX/XX/year> payment for all 4 student loans or advising that one of my student loans has been closed. This has affected and lowered my credit scores for all XXXX 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 2024-06-22 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: OH

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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Issue : Fraud alert not removed as promised by Equifax representative. 

Details : Spoke with XXXX ( Equifax ) on XX/XX/year>. 
Requested removal of fraud alert. 
Assured it would be removed from all bureaus. 
Fraud alert number : XXXX. 
Applied for loan on XX/XX/year>. 
Received hard inquiry from XXXX due to active fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

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 2024-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I received an email stating that my paypal account was charged about {$600.00} from XXXX. This was not me, and it was unauthorized transaction. 
I know the company, but I have NOT used them for a long time. 
I informed Paypal that the transaction was unauthorized, and I also mentioned that my account at XXXX or Paypal might have been hacked/compromised, and the company ( XXXX ) might have the access to my paypal account as it could be linked as payment method on my account at XXXX. 
However, Paypal did NOT provide me any evidence or information regarding how this could have happened, and simply automatically refused to cancel the transaction, and called it " Not Unauthorized '' in under 24 hours. 
I believe their automated system simply refused my dispute request on the unauthorized transaction.. which is very disappointing. 
I really wished if Paypal actually looked into this issue, even review IP address at least, and find out that it wasn't me. I even changed password/email of my paypal account to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: Atlanticus Services Corporation
State: AZ

Complaint narrative:
My credit report shows that this account was charged off. Thats fine. However, I called Aspire and paid them directly to settle my account in full. Aspire did not report that my account was paid at all, instead, they updated my credit report to show that it was charged off twice. Once AFTER I paid. I disputed this information with XXXX and within 24 hours, Aspire dropped my score another XXXX points with showing the 2nd charge off. I called Aspire and customer service said they could not help me so they transferred me to the Collections Department who told me they are not required to report that an account is paid. Just that it is charged off. I know this to be false. I tried to explain that its false. Aspire is refusing to handle this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/year> - Deposit Made for order XXXX XX/XX/year> - Requested XXXX  change from lease to finance via text and voice call. Was instructed to go to the dealership to make the change XX/XX/year> - Went to the dealership to make the change. The sales person helped cancel the order at their location and told me to place a new order. New order number XXXX XX/XX/year> - Reached out regarding refund. No response. Called customer service number atXXXX. Automated message and tried to leave a voicemail but the mailbox was full. 
Ongoing - Tried several message and phone calls with no response from XXXX. 
XX/XX/year> - I reached out the credit card company for help and they provided a conditional refund for the disputed charges. 
XX/XX/year> - Received a letter from credit card company denying my disputed charge saying the deposit was non-refundable.

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 2024-06-22 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: OH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
DEMAND For Deletion OF LISTED ITEMS/Per XXXX Privacy Act Also see ; XXXX XXXX XXXX XXXX 15 U.S. Code & 1681- Congressional findings ad statement of purpose ( 3 ) consumer reporting agencies have assumed a vital role... 
Consumer Relations Dept : THIS SHALL PROVIDE YOU FORMAL WRITTEN NOTICE of numerous violations of FCRA consumer law statute, regarding said personal private credit file.

Per the FCRA, I am entitled to have a fair and accurate credit report. 
XXXX PRIVACY ACT, you have the right to privacy., 15 US code 1681 602A the right to privacy,. 
15 US code 1681 604 A Consumer Reporting Agency can not furnish an account without my written permission., See non-public personal information., 15 US code 6802-obligations with respect to disclosures of personal information ( a ) Notice requirements ; ( b ) The term affiliate means any company that controls, is controlled by, or is under common control with another company. 
A person can only report to a affiliated corporation., A affiliated corporation is one in which the reporting person has a 51 % or greater controlling interest., 15 US code & 1681s-2 ( 7 ) Negative information ( A ) Notice to consumer is required ( I ) In General ; any financial institution that extends creditshall provide a notice of such furnishing of negative information, in writing, to the customer. 
This shall be done 30 days before, or after furnishing of any such negative information. 
Reporting of any alleged debt, as if it is a actual debt, ( never verified/validated or court order ), is ultra-vires action, HEARSAY. 
Without a consumers written permission, reporting of any unauthorized information, for a commercial purpose, is a ultra-vires criminal XXXX, ( 3 or more ), violation, resulting in, 18 US code 1028A- Aggravated Identity Theft, actions Designed to keep American consumers in illegal/unlawful financial slavery, see U.S. v XXXX 487 U.S. 931 ( XXXX ). 
Furthermore any continued reporting would be another violation, 15 US code & 1681n, knowingly, reporting. 
For this reason, please request deletion of any and all negative reporting within the next XXXX business days. 

For the following accounts. 
American Express Account # XXXX Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
Hi on XX/XX/year> I filed a dispute for duplicate charges that were made on my account on XX/XX/year> for {$500.00} from the same merchant 4 times. I have proof that there were duplicate charges and current bank closed my dispute without investigating or contacting the merchant. They refusing to appeal my dispute as well. I have requested a written investigation report from current bank and they are not providing one. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: GA

Complaint narrative:
Over the weekend of XX/XX/year>, I requested that $ XXXX be electronically transferred to my sisters bank account. Rather than paying the {$25.00} wire transfer fee, I elected to use a new feature in the Bill Pay Section of Huntington Banks website. In this section, I was asked to input my sisters routing and account number. I did so along with the amount that I wished to transfer. I was told on the screen that it would take 3-5 business days. 

The next day, I tried to log in to the account to be able to start the process of finalizing the estate for my mother, and I was denied access. I was immediately panicked because my information was part of the XXXX XXXX  XXXX XXXX breach. I tried several times to reset my password. Each time these attempts failed. So, I called the bank. It was during these calls that I learned that the account had been locked because the bank believed that the transactions that I had requested ( the $ XXXX transfer as well as a smaller transfer to myself ) were fraudulent, and that, in order to unfreeze the account, I would have to go into a branch location. I reminded the support team member that I live in XXXX, GA which is outside of the banks footprint. I asked to speak with a manager. She put me on hold. She talked to a manager, and she advised me that her manager would submit paperwork to make an exception for my situation which would take an additional 3-5 business days. 

At this point, I called the lawyer supporting the estate for my mother. I asked if he could help as he is located within blocks of a bank branch. He went into the branch the next day with a letter that I had written and signed. At the branch in XXXX XXXX, PA, he was told that they would consider arranging a video call to verify my identity. 

Today is XX/XX/XXXX, and the account is still locked. I can not access any of my funds or documentation with Huntington Bank. 

I have to believe that this is in direct violation of regulation 12 CFR 1005.11.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: AZ

Complaint narrative:
My credit report shows that this account was charged off. Thats fine. However, I called XXXX and paid them directly to settle my account in full. XXXX did not report that my account was paid at all, instead, they updated my credit report to show that it was charged off twice. Once AFTER I paid. I disputed this information with Experian and within 24 hours, XXXX dropped my score another XXXX points with showing the 2nd charge off. I called XXXX and customer service said they could not help me so they transferred me to the Collections Department who told me they are not required to report that an account is paid. Just that it is charged off. I know this to be false. I tried to explain that its false. XXXX is refusing to handle 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