vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I used Venmo to send money to a contractor for window replacement services at my house. I sent him {$13000.00} as a deposit. Not long after this transaction, the contractor found out there would be a problem sourcing the materials. So he promptly returned my payment of {$13000.00}. This left me with a deposit of {$13000.00} in my Venmo account. I tried to transfer this back to my checking account, but Venmo informed me that I have a limit of transfer to my bank of {$4900.00} per week. This means it would take 3 weeks to fully withdraw all the funds in my Venmo account, so I left the money in Venmo in anticipation of needing to send it to the contract at some point in the future. 

After XXXX hours of work, the contractor was able to secure the materials for my project, at which point I attempt to resend the {$13000.00} via Venmo. Venmo declined this transaction multiple times, so contacted their support and chatted with an agent for about XXXX min. The agent informed me that I had zero options to be able to get my money or to send it to anyone because the transaction was blocked by an automated security system. I asked multiple times to escalate the matter, but the agent informed me that this was futile because the company did not have a process to override the automated action and that no amount of escalation would resolve this.

Essentially, Venmo is now holding my money hostage, and they can't even tell me whether I will be able to complete the transaction at a later date. I find it abhorrent that they don't even have a process to override an automated system, which has the effect of preventing a user from accessing funds. I would say this is theft of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: CA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-08-03 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: PA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry.

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 2023-08-04 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: VA

Complaint narrative:
In accordance with the Faie Credit Reporting act XXXX  XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX 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 an 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 2023-08-03 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: VA

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-08-03 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: FL

Complaint narrative:
I reported identity theft fraud to XXXX XXXX XXXX XXXXXXXX and they refuse to remove the fraud from my name and from the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: FL

Complaint narrative:
I reported identity theft fraud to XXXX XXXX XXXX XXXXXXXX and they refuse to remove the fraud from my name and from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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:
I reported identity theft fraud to XXXX XXXX XXXX XXXX and they refuse to remove the fraud from my name and from the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I tried depositing {$940.00} cash into the ATM at my local Bank of America branch at XXXX XXXX  on Monday XX/XX/XXXX. Shortly after putting the cash in, a message on the ATM screen popped up that said it is unable to process my request and can not return my money. Then it printed a receipt with a phone number to contact their electronic claims team. I called and filed a claim and the customer service representative said it will usually take 1 to 2 days to be resolved. Its now day three and I have no update about where my money is and when I try calling again it just says the claim is being investigated with no update. I have bills to pay and can not go without almost {$1000.00} any longer. I dont understand how the bank is so casual about holding my money hostage when their machine made a mistake. This happened once before and they credited my account immediately and there were no problems. I dont understand what is different about this incident

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 2023-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
In XXXX was notified of a debt collection from XXXXXXXX XXXX  in the amount of {$10000.00}. The concern was noted as fraud and determined to be identity theft from a woman living in Illinois. Fraud dept had sent her invoices which she did attempt to pay, but then stopped while she was going through a divorce. 
My original account was closed by XXXX and then somehow merged with this other woman. 
1. I have never lived full or part-time in the state of Illinois 2 . I have never been legally married 3. My credit score is currently XXXX with no outstanding debts or concerns 4. I am financially able to pay this debt, but it is not mine Over the course of the years, each time a collections would send me a letter to collect, I would work with their fraud department. Each time the fraud department would close the account and then sell to the next collections agency. 

I have now received a civil court case notification in the state of Wisconsin. I have contacted a lawyer and reaching out to credit centers for additional support. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dividend Finance has submitted to the CFPB, multiple times, a document they have been informed is fraudulent. To defend the fraudulent document they use the fraudulent document. I was not the person who filled out the DocuSign document that Dividend Finance is using to enforce the loan.

I do not have the item the loan is for. It never passed inspection because the contractor the Dividend Finance paid ( against my will ) abandoned the project and allowed the permit to expire after becoming unreachable to myself. They damaged my home and did not provide the service Dividend Finance paid them for, which again was paid against my will and consent. They never confirmed with me that installation occurred. They broke the law in my state initially just dispersing the loan without my consent. I then explained in writing through their website and through emails that I never accepted the loan or the terms and conditions of the loan. Instead of actually investigating this, they used falsified documents to pursue the loan further. Submitting a fraudulent document in response to me informing your company multiple times that it is fraudulent is not a valid response. In fact, it is illegal for people to submit falsified documents. Even though you work for the institution you can and should be held criminally liable. There is a thing, called a digital footprint and it allows things to be seen, like who's computer and device accesses things. Not only could you have properly researched the info I told you ( multiple times ) to see that this fraudulent document was not filled out on my device but inevitably when the FTC, SEC and other regulatory agencies review Dividend Finance they will see each one of you individually who decided, made the choice, to participate in this fraud. Lack of training is no defense. You are criminals and will be held liable. Use the internet and search about all of the individuals who participated in banking scams and were held liable if you don't believe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Funds from a XXXX acct were transferred, XX/XX/XXXX, in error to a PNC account that had been closed several years prior. I called PNC and alerted them of the error on XX/XX/XXXX. I was told by PNC customer service that any transfers to an account that was not valid would automatically be kicked back to the transferrer account ( XXXX ). The funds were never returned to the XXXX account. After more than a week of phone calls and over XXXX hours of phone time with customer service ( XX/XX/XXXX ) ; I was told another dept had the funds and were holding them as they did not know what to do with it. No one with access to my account info with PNC nor myself were ever notified that a dept within PNC was holding the funds and no reason was given for the hold. I was finally able to speak with a manager on XX/XX/XXXX who informed me they would be mailing a check and would take XXXX business days- please note this is an absurd transit time for mailing a check from MI USA to GA USA. On XX/XX/XXXX I called again to obtain tracking info on the mailed check as the XXXX business days had run out and i still had not received the check. PNC customer service told me that now the transit was XXXX days and that nothing could be done and no check could be re-issued until the 15 day window had expired- please note again, this is parcel mail sent via USPS from XXXX MI to XXXX GA, there is absolutely no way it would take XXXX weeks to deliver. Current USPS transit times are XXXX days from MI to GA. I was again told that no tracking # existed ( patently false ). I called XX/XX/XXXX, XXXX, XXXX, XXXX and was denied a tracking # for the original parcel and told that voiding the check that has been missing since XX/XX/XXXX would not be possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure 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 I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-08-03 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: ME

Complaint narrative:
These inquires do not belong to me 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 2023-08-03 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: CT

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK 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 non-monetary relief
Consumer complaint received 2023-08-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America ( BofA ) called my business phone to offer a " Business Advantage Unlimited Cash Rewards '' credit card. During the phone call, which I was told was recorded, I asked BofA representative XXXX XXXX if I would be able to set up Auto-Payments online for this card to pay the full balance each month. XXXX XXXX told me that I could. After the card was issued, I found that I could not set up auto-payments for the full balance, only payments for a fixed amount. I contacted XXXX XXXX and she had to ask a colleague to confirm whether it was actually possible to set up such auto-payments. Ultimately she concluded that I could not do so, and that what she had told me about auto-payments was untruthful.

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 2023-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
15 usc 1681a2 stating I didn't give written permission to have this account furnished on your 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 non-monetary relief
Consumer complaint received 2023-08-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have never had a credit card with Bank of America, yet there is an account showing on my credit report as a secured card with a balance of {$430.00}. The address associated with it is an address I have not lived at for several years. 

I was assured this balance would be removed several months ago ( in the height of COVID ) yet to date, the account still appears 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 2023-08-03 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: I.C. System, Inc.
State: CA

Complaint narrative:
I.C. SYSTEM, INC Original creditor : XXXX XXXX  I tried disputing this many times with XXXX, XXXX and XXXX. The only XXXX XXXX I have ever had was many years prior to the reported date of 2020 and confirmed with XXXX that I have no outstanding balance with them. When I contact XXXX they don't recognize account number or balance being reported by I.C. SYSTEM, INC. When I contact I.C. SYSTEM, INC I can't get a hold of anyone that can bring me up in their systems. I have been disputing this for a couple of years and it is still appearing 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 2023-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Today, XX/XX/2023, a handyman who did some work for me improperly sent me money as a " trade or service '' transaction. We contacted PayPal to get this reversed. We were told he could not cancel the transaction, and my only option was to enter tax ID information into PayPal, to issue him a refund, I would be charged a fee for the $ as a business transfer for XXXX and I would receive an IRS Tax form 1099 regarding the " business '' income for this transaction. 

I did not ask for this XXXX I did not accept this money. I am not a business. this money was sent by mistake by the other individual and now he can not access as well. I want this resolved without entering my tax information, without receiving a 1099 and the charge reversed for the handyman who made a mistake.

How can someone just send $ to another as a trade or service and impose tax liability on another individual? PayPal needs to correct this and allow someone to opt out of receiving funds like this if not desired - and should require approval or other means to decline. Please help me correct this. I imagine I am not the only person who has dealt with this issue and this is unfair to me as a consumer and individual using a service to pay for purchases etc., not to receive funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: PA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry.

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