vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-08-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XX/XX/2016 {$800.00} they never verified account balance or information and responsible parties

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 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DE

Complaint narrative:
I was contacted by a representative from fair collections and outsourcing. I asked them to cease and desist all phone communication and they called me again. The also disclosed I had a debt to my mother in law In a attempt to find me. When I asked the name of the company the representative just called the company XXXX and not its full name. The representatives name was XXXX XXXX and she also was not willing to cease and desist call the moment I asked.

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 2022-08-23 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: TX

Complaint narrative:
In accordance with the fair credit reporting act accounts XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a 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.

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 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/2019 {$3800.00} XXXX this account doesnt belong to me, ask several times to verify information with no response.

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 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/2019 {$3800.00} XXXX this account doesnt belong to me, ask several times to verify information with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Venmo has frozen my account, I have {$340.00} dollars in there, I filed several complaints with them and even chatted online, they say they are super busy and looking into it. This has all started on XXXXthey keep giving me the run around and dont even say why it is frozen. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP
State: DC

Complaint narrative:
During the month of XX/XX/XXXX, Key Bank misapplied my payment to another individual 's account. When I inquired with Key Bank they said they did not receive my payment. I told Key Bank to check their records again because the money order ( attached ) was in fact cashed by Key Bank. Due to Key Bank not locating my payment they counted it as a late payment ( Key Bank reported that to the 3 credit bureaus ) and that caused a financial hardship at that time. Therefore, I had to make a double payment. I have called Key Bank on numerous/several occasions to get this resolved, but as of XX/XX/XXXX, nothing. Key Bank continues to give me the run around. I was referred to a representative name XXXX ( who has no supervisor per Key Bank employee name Trivia ) to work on resolving this issue. XXXX asked me to give her a week to find out the details. It has been a month and still no call from XXXX. I wrote to XXXX XXXX XXXX, Key Bank CEO, and again no response other than receiving my return receipt green card ( attached ) back. This is defamation of character and this has caused me to miss out on business opportunities because of the late payment Key Bank has placed on my credit report with all 3 credit bureaus. Key Bank needs to be held accountable for this, which has caused problems for me as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
Some times this financial institution encounters balance errors unknown to me of how they occur. Generally my brokerage account will show a a balance with more money than what is in the account??? When I call them to question how it happened they simply say they don't know why it happens. A day or two later the brokerage account suddenly has a negative balance. My checking account is with the same financial institution and has been frozen and I am not able to withdraw funds because the brokerage account with this institution has a negative balance. How this occurred is unknown? I now need access to my direct deposit and cash in the checking account. My card is being declined and I can not pay my financial obligations. A direct deposit is attached to the brokerage and would have cleared this up if they had simply looked at the history of the past year or more. Freezing someone's account is a serious problem. The history of direct deposits should have provided a clear solution that the brokerage account would have been brought back to a positive balance. My part would have been resolved by the direct deposit. What about their ongoing problem with not showing the correct balance. This would not have happened if their system was reliable to show the correct balance 100 % of the time. How quickly a bank will punish someone for the mistake made by the bank and not the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: LoanCare, LLC
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar 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 explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: CT

Complaint narrative:
I'm current with my mortgage and have no late payments. 

XX/XX/22 Received pay off quote from Arvest Central Mortgage Company for {$9400.00} Using same electronic payment method as always I submitted payment for the full amount. 
XX/XX/22 Electronic payment " In Processing '' date. XXXX contact me by phone to say that the payment method is now unacceptable. I'm informed that they are going to " kick '' the electronic transfer back. If I want to make the payment I am required to use a wire transfer or certified bank check. 
XX/XX/22 Instead of the payment being " kicked '' by XXXX, it is accepted. I contacted XXXX with my XXXX  XXXX XXXX customer service rep on the phone. XXXX customer service rep says they're very sorry and the money should be in my account today. They already kicked the transfer and it must be a problem on XXXX  XXXX XXXXXXXX XXXX end. They don't know what's wrong. The worst case scenario is that it will be back on my account on Monday. 
XX/XX/22 Contacted XXXX  and inform them that I still didn't have the money in my account and that they never actually kicked the electronic transfer. They accepted the payment but refuse to credit my account. I'm assured by their customer service representative that the full amount will be in my bank account by the end of business. 
XX/XX/22 My bank account shows the payment to XXXX as closed. I am still out my full pay off amount for the mortgage, but my account with XXXX has not been credited. 

Conclusion : 1. I'm current with my mortgage and have no late or missed payments. 
2. I paid the full pay off amount of my mortgage. 
3. The payment was accepted by XXXX. 
4. XXXX is refusing to credit my account, while saying they're going to refund me but have not. 

Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have tried contacting the collection agency to get deeper information as I am allowed bi law all they send is two sheets of paper one with my name and one saying I owe this money.. I told them I was in XXXX  and since I was not notified aware I owed any one and if they can just provide me with more proof then just to sheets of paper .. they are way past both statue of limitation and they are illegally billing me for a debt thats not mine please be kind enough to further investigate this my next step is to file a lawsuit its causing me a lot of issues with obtaining a car.. as far as the proof they have not showed me a contract a purchase nothing that I can take as my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
On XX/XX/2022 I applied for a personal loan on Discover 's website and was approved. In order to secure the loan I had to call in due to a fraud alert on my credit. I called in to verify myself to be told their system is down they can't pull up contact information from the credit bureaus to verify my identity and that it's a known system issue. Completely dumbfounded I asked to speak with a supervisor. The supervisor told me the same thing and said they'll request the hard inquiry being removed from my credit as well to call the credit bureaus to remove the fraud alerts from my credit. She told me to re-apply after the credit bureaus remove the fraud alert within 24 hours and the new application will go through fine since there wouldn't be a fraud alert. I did as I was told called the credit bureaus, removed my fraud alerts, and re-applied only to be told they'll have to deny my application due to it being within 30 days of the other application. This is beyond ridiculous, a waste of customers time, damage to their credit, and deceptive practices. No one in Discover including their systems know how to do their jobs apparently!! Application ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: AR

Complaint narrative:
THE 3 CREDIT REPORTING AGENCIES FAILED TO INVESTIGATE MY DISPUTES, ITS BEEN WELL OVER 60 DAYS, AND THEY FAILED TO INVESTIGATE THE INACCURATE AND UNAUTHORIZED ACCOUNTS ON MY CREDIT REPORTS. 

The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesnt happen, the bureau is then in violation of the FCRA XXXX 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2022-08-23 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This pertains to 3 credit cards that I had with Barclays. On XX/XX/22, I was unable to access any of these accounts via my online access. I contacted Barclays ( via phone on XXXX, XXXX ( 3 different calls ), to finally receive confirmation that the accounts had been compromised, a bad actor had succeeded in generating new user ID, password, and physical address to receive new cards. 

These four calls centered around multiple handoffs between Customer Care Specialists, Security / Rapid Detection Team, and Information Technology. At this time, all 3 cards were cancelled, and I only asked to receive a replacement for one of those cards. 

During this period, I continue to be unable to access my remaining account online, and the solution from Barclays was that I use the user ID and password that was generated as part of the fraud ( true story ). On XXXX, looking for a status on the replacement card, which appeared never got issued. I also wrote to the Barclay 's Consumer dispute center, outlying these details, and have not heard from them in the ensuing period ( 2 months+ ) On XXXX, I received correspondence from Barclays XXXX that their fraud investigation was completed and that I was not responsible for the fraudulent activity. 

On XXXX, I began receiving credit reporting alerts from XXXX XXXX, XXXX, and XXXX Identity Theft groups. Barclays had posted a negative report ( late payment ) for a balance on one of the closed cards. XXXX made initial attempts to rectify, and Barclays rejected the claim as invalid. I provided XXXX with the written confirmation from Barclays that this was fraud that I was not responsible for, yet it appears that Barclays tacked on new charges and is assessing late fees, affecting my credit, with those charges having no merit.

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 2022-08-23 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I purchased windows using my Capital One card back on XX/XX/21, the charge on the card was processed on XX/XX/21. The amount was {$3000.00}. The company is XXXX XXXX and now facing multiple law suits because people are not getting their order or refund. On the window contract delivery should have taken place 16 weeks after the purchase. Each month the company would say the order was delayed so I never disputed the charge right away because I thought I'd get my windows. Now over a year later I have realized my windows will probably never come. I contacted Capital One and was told I can dispute the charge since I never got the product delivered. The customer service rep told me that they will reach out to the company and if they can not prove they delivered /installed the windows then I will get my money back and they credited my card the amount paid for the windows. I was never told I'd have to fill out a form regarding this and the form is due back in a certain amount of time. So while I was waiting to hear back on the merchant 's response, Capital One had sent a form to my account electronically that I did not know was there since at that point I had no balance on the card so I didn't need to access the account to make monthly payments. Then I find out through a paper letter that I missed the deadline. I called Capital One explaining the situation. They said I could reopen the dispute so I filled out the form and sent it in right away. One day later I get a response saying the dispute is denied since I didn't file within 60 days of the purchase ( as I stated previously, I never initially disputed the charge since the company kept saying the windows were just delayed ). I called Capital One and then was told it really was because I didn't initially fill out the form in time so they can't dispute the charge with the merchant since they'd would be breaking their policy by letting me fill out the form after it was due then giving the merchant a loophole to say they don't have to pay. 

As you can see this is a huge mess. I can't get anywhere with the window company. Since I thought the charge was credited I purchased new windows using the same credit card. Now I have the new charge and the old charge that they reversed. I have sent a certified letter to the window company requesting a refund, no reply. I call and leave messages but nobody calls back. I desperately need to have this charge reversed or at least credited while the situation is investigated so I am not paying interest on the money for a product I never got. Please help me, thanks in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-23 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: IN

Complaint narrative:
In accordance with the fair credit reporting act convergent XXXX XXXX account # XXXX and XXXX Accounts account # 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 XXXX : 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 non-monetary relief