vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
delete these hard inquires 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 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Multiple credit report inquiries that i do not recognize were done on XX/XX/XXXX. Some were even duplicates and I already have a car loan that i purchased earlier this year. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On or about XX/XX/2022 I tried to send {$250.00} via Venmo to a friend who was having financial problems. She didn't know how to set up her bank to receive so she rejected it, with the help of a Venmo customer service agent. Because of that they froze my Venmo account and they have not transferred the {$250.00} back into my bank account. I have worked with a customer service agent probably 10 times, twice today, and nothing. Change passwords. I have done that about 6 times. Send in my ID to verify myself. I have done that 3 times and they keep asking me to do the same thing over and over. I have corresponded with them over 20 times via email since then and nothing. They keep asking over and over for the same thing. Change my password and verify my ID. I want my money back and they don't seem to want to give it to me so I came here for help. I can not get into my venmo account to get anything like the inability to transfer to payee. If you want copies of all the emails, XXXX correspondence or anything else let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: IN

Complaint narrative:
Repeatedly and without exception over the last 2 years, when I have attempted to move funds from Venmo into my bank account, I have encountered the same obstruction. 

Either the password that I submit is rejected and the reset fails, or when I try to receive the verification code to initiate the transaction, I receive a pop-up message saying " Code Not Sent. Please try again. '' The last time I failed to retrieve moneys held for me by Venmo, I eventually reached the the supervisory level, where a very nice supervisor named XXXX XXXX was able to temporarily resolve the issue, but only by setting up a new and different account, cancelling my old account, and transferring funds by a workaround into the new account. Now that account is presenting the same issues. 

Attempts to resolve the issue through Contact, Help or Support are invariably met with computer generated FAQs that do not relate to my problem. 

Today I found that the FTC had already filed a complaint against Venmo in 2014 for what appear to be the same complaints. Why are they still getting away witih the same dirty tricks unscathed?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 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 XXXX  Account XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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

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 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This account been on my report for reporting incorrect or inaccurate. It has caused me a lot troubles including job turn downs. I have been in contact with bureaus about this incorrect report. 
In accordance with the Fair credit reporting Act. Everything has to be 100 % accurate on my report. 
The credit bureaus stated my accounts was properly investigated but this is not possible if balance is not being reported correctly, no information of validation from debtor, wrong address on report it not deliverable. ( XX/XX/2022 ) balance updated is inaccurate ( XX/XX/2022 ). Account has been on report for 7 years. Has been report deliquent for 6 years or more. High balance of XXXX on TransUnion and {$170.00} on XXXX. XXXX o investigation was done. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602 A. States that I have the rights to privacy.

15 USC 1681 section 604A section 2 It also states a consumer reporting can not furnish an account without my written instruction. 
Also the credit bureaus did not validate these debts and provide me with proper documentation requested that should have been provided in there investigation and placement of this account XXXX my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Multiple credit report inquiries that i do not recognize were done on XX/XX/XXXX. Some were even duplicates and I already have a car loan that i purchased earlier this year. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Multiple credit report inquiries that i do not recognize were done on XX/XX/XXXX. Some were even duplicates and I already have a car loan that i purchased earlier this year. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
My account was opened on XX/XX/22 with the promotion : Open an M & T XXXX XXXX or XXXX checking account and receive a sign up bonus of {$250.00} when you set up a qualifying direct deposit of {$500.00} or more within 90 days of account opening. 

On XX/XX/22 I received a Direct Deposit from my employer in the amount of {$1000.00}. 

The promotional bonus was due on XX/XX/22 yet it has not been credited to my 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 monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP
State: WI

Complaint narrative:
In XXXX of XXXX, i received a letter from Rausch Sturm, advising me of a debt that is owed. I called, set up a payment plan, paying 50 % down, and the rest in a series of payments. A week later i was able to come up with the funds, and called them to just resolve the remainder owed. I set up a check by phone in XXXX of XXXX and paid the balance. I never received a receipt for either payment, and didn't hear from them again. Until i received a letter in the mail in XXXX of XXXX stating i still owed the other half of the balance. i called right away to let them know i paid this. The person i spoke with stated she will notate my account as disputed and if they need to contact me they will. I didn't hear anything more from them until XXXX of XXXX when i was served court paperwork. I called them again to find out what had happened with my dispute and the fact that this was paid. They told me that the check in XXXX of XXXX for the 2nd half was returned as not authorized. I never received anything from my bank or from them informing me the payment didn't go through. They have violated so many FDCPA laws by not contacting me back about my dispute, my payment that " didn't '' go through, and then after i paid it 2 weeks ago- they still have not dismissed my court date which is still showing in 2 days as active. I called today to find out why this hasn't been dismissed and they advised it is my responsibility to handle the court case. I again don't have a receipt showing payment in full, so i don't have any ability to show the courts that this has been resolved. This company has made my life XXXX. I have done everything the right way, and yet here i am still having to take care of their mishandling of things. i have sent 3 complaints online, and none have been acknowledged. I asked to talk with their compliance dept and was refused. They said they would have someone call me. Something needs to be done with this company and their treatment of consumers. I paid my bill and i am still having to deal with everything.

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 2022-09-12 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: LA

Complaint narrative:
On XX/XX/2022, XXXX XXXX made a soft inquiry on my Experian credit report without my authorization, permission and/or permissible purpose. I do not and have never had an account or any business with XXXX XXXX. Nor have I even given XXXX XXXX permission to obtain/pull my credit report in any manner, whether a hard or soft inquiry, XXXX XXXX had absolutely no permission nor authorization or permissible purporse to pull and/or obtain my credit report from XXXX or any other credit reporting agency/company. This is a clear violation of 15 U.S.Code 1681b and illegal.

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 2022-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: LA

Complaint narrative:
I recognized that my credit score was dropped from a report from Pro Collect for XXXX student housing. I attempted to call the number attached XXXX XXXX XXXX and since I did not have a collection number and I did not want to provide them with my social I could not be helped. I have never attended nor lived in student housing at XXXX this is a school my daughter attended years ago and I have never signed any documentation for housing or anything else. I need to know how can someone elses debt affect my credit. I need this removed from my credit XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Tx XXXX is the address

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 2022-09-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
I have made a mortgage payment to Amerihome Mortgage company on XX/XX/2022 also I have sent proof of payments documents and also my bank XXXX XXXX XXXX XXXX has sent proof of payment documents and for home mortgage company is still refusing to apply the XX/XX/XXXX payment and Amerihome is threatened me with foreclosure documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: PA

Complaint narrative:
Having made payments after XX/XX/XXXX ( totalling {$16000.00} ) I have requested a refund of the total amount. ( I will be getting the full amount forgiven because I received Pell grants. ) My account was with XXXX XXXX XXXX, but last year they moved my account to ED Financial, which I just found out when I attempted to receive my refund. 

Because I paid off my loans at the end of XXXX, they " closed '' my account ( but still have my info on file ) .Therefore, I have no access to an account. 

I requested a refund over the phone with ED Financial a few weeks ago. The Customer service rep said they put in a refund request, but gave no indication on when I will receive it or how I will be notified when my account reopens. I am afraid that I will not get the refund soon, if even at all. The whole experience seemed shady and the rep was clueless, could not even find my account for about 10 minutes. 

I need the refund ASAP so I can submit a forgiveness application as soon as it opens so my loans are forgiven before the interest-free period ends on XX/XX/XXXX. 

Please help me get my full refund back from ED Financial ASAP! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021 I authorized inquiry for my credit. However, I did not authorize an inquiry everyday for XX/XX/2021, XX/XX/2021, XX/XX/2021 for 3 additional inquires. There is no need to view my credit report 4 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX RE : XXXX XXXX and XXXX Midland Credit Management I am writing to dispute the following information that appears on my XXXX, XXXX, and XXXX consumer report : Dispute : Account Number or other information to identify account : XXXX {$920.00} XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Explanation of item being disputed : On or around XX/XX/XXXX, I initiated a purchase through XXXX for a daybed. When I received the daybed, I was not able to piece it together as different parts of different sets were sent. 

The smell coming off the set was also intolerable. It smelled like dead animal. 

I phoned the company and spoke with a customer service representative about the process for returning the furniture, as I was not able to piece the bed together or decontaminate from the horrid smell. I was advised to throw away or donate the pieces. I was assured no fees would be charged to my account. ( Ultimately the whole mismatched set had to be thrown away. ) Included are photos of the different pieces that were sent. 

I dispute having any obligation for this debt. 
If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate and verifiable and you must complete this investigation within 30 days of receipt of this letter. 

I am promised accuracy in my credit report based on federal law. Under 15USC-1681 all unverified or incorrect information must be promptly removed-within 30 days of receipt of this letter. 

After you have finished my request, send me a copy of my credit report reflecting PERMANENT removal from my report. Update payment history to be paid as agreed, never late, and in good standing. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: TN

Complaint narrative:
My adjustable rate mortgage can not be raised more than 2 % per year. BSI financial sent me a notice attempting to raise it 2 5/8 % a year. I have called several times to talk to the people who do not return my call. 

BSI has already settled with the CFPB for failing to enter interest rate loan adjustment data correctly. A class action lawsuit needs to be filed against them on behalf of all people similarly situated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: Credit Karma, LLC
State: IN

Complaint narrative:
Credit Karma kept emailing and stating on their site that I had good credit, but that I could improve my score by opening another line of credit. They also suggested that I had good odds for a card with XXXX XXXX to transfer my current XXXX balance and have XXXX XXXX for 1 year to pay down this debt. So I applied and instead of the {$3000.00} transfer amount with statement of closing XXXX credit line, I was given a {$600.00} line of credit. I called XXXX XXXX XXXX  I explained what I wanted and why and was told that because of my XXXX income, my mortgage, the XXXX account, my XXXX XXXX from XX/XX/2013, and my credit scores, that is all that they could do for me. I asked if I could close the account and was told it would give a negative reflection on my credit report, so I asked what if I don't use it and told that was less negative because it would show as closed due to lack of use. I was advised to use it and pay it off within 1-2 billing cycles for it to have a positive impact on my credit rating. So both I have issues with both companies providing false advertisement and enticement for improving credit and providing the dollar amount XXXX XXXX XXXX XXXX on balance transfers. 
This occurred between XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
a fraudulent account was opened with XXXX XXXX on XX/XX/2021 without my knowledge or consent. This is a fraudulent account and I have filed the appropriate documents to have this removed.

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