vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-06 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: WI

Complaint narrative:
I called TransUnion to remove the following unauthorized Hard Inquiries and they failed ton remove them as they were given an FTC report. 
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 2022-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I had a business cell phone account with XX/XX/XXXX in the past. After being a customer for 7 years and had so many issues I decided to close my account and move all my lines to another company. 

At that moment I had a balance of XXXX corresponding to EIP phone installment plans, which was paid in full on XX/XX/2021. 

In order to close my account and unlock my numbers the amount had to be paid in full. 

7 months later I'm receiving a collection letter from Amsher Collection Services , IncXXXX stating that I owe a balance of {$760.00} to XXXX which is impossible considering my account was succesfully closed after my full balance was paid. 

I contacted this agency by phone to explain this and no one was able to verify this debt. Now this collection has been reported to the 3 credit bureaus affecting me a lot since I'm getting prepared to buy a home in the next 4 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: Affirm Holdings, Inc
State: DC

Complaint narrative:
I used AFFIRM to purchase shoes from XXXX XX/XX/2022 for over XXXX the shoes that arrived weeks later were clearly defects and not in standard condition. nothing of the shoe 's defects were stated in the ad. I raised issue with XXXX via chat 6 minutes after delivery, stating clearly that these shoes were highly unacceptable and that I did not want these shoes in anyway. I then notified Affirm and activated a " chargeback '' XXXX proceeded to XXXX me, stating that there is nothing that i can do about, they will not accept a return and that the only recourse was that I RESELL through them to someone else as they make profit again from the shoe. this practice is extremely low and dishonest. i've been fighting for the past few months to receive my refund. I reached out to Affirm, the credit card I used and sent them copies of the email where XXXX admits to the defective shoe sale. Affirm offered no protection to me as consumer, most likely because they are getting paid from the sale as well. both companies are extremely untrustworthy. 

Affirm asked me for evidence ( pictures and email where XXXX admitted to the defective item ). I provided Affirm with everything they asked for.. yet they decided that it was within XXXX 's parameters to sell me defective and fake shoes. I then found out that Affirm considers XXXX a " retail partner '' so i see why they decided to side with XXXX  in this matter. I have 2 recorded phone calls from Affirm, where their own supervisors are shocked at the decision of the resolutions team, seeing the evidence that was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: OH

Complaint narrative:
original creditor was XXXX contacted this company several times with no written response that i never received written notice of this debt or any signed contracts by me to validate this debt, the date this account was originally sent to collections and an itemized breakdown of the debt i dont even know what the debt is for or why they say i owe so much. 
this company has never sent proof of debt, a signed contract or notice they were seeking collections and why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I spoke with " XXXX '' on XX/XX/XXXX about my Student Loan through Nelnet. This was after several call and emails starting in XX/XX/XXXX about " my Loans being x days behind '' despite the Student Loan payment suspension until XX/XX/XXXX, the most recent notice is that I am 90 days behind which would indicate I haven't made a payment since XX/XX/XXXX, which is during the Covid payment suspension extension passed in XX/XX/XXXX. 
The main issue with this is that my Loans were claimed under hardship in a XXXX XXXX bankruptcy in XXXX. Nelnet was informed of this is XXXX, they have records confirming this. When I spoke to XXXX today ( and after a little research on XXXX 's end ) I was told that the Guarantor on this account ( my Bankruptcy trustee ) shows the debt as paid in full, but Nelnet re-purchased my Loans and made them active again? or that because the Guarantor shows them as active accounts they can still collect on them, despite being paid off? I didn't really get a clear answer, however I was told that either way I needed to prove they had been paid off or be put on an IDRP.. which in my opinion isn't my responsibility because Nelnet was informed when I filed bankruptcy, informed again by Phone when they called me in XXXX and the Agent confirmed the bankruptcy, were informed when said bankruptcy was discharged and they only started calling me AFTER it had been discharged... If they can see the Loans are paid off in bankruptcy, how is it legal to attempt to collect it AGAIN from the Student.. during a payment freeze?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Someone opened a capital one card in my name and I'm just finding out about it. I have never got or used card .I signed up for a free trial with XXXX  and found out I had capital one card in my name and now I am getting in debt for something that I'm not even using.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens bank closed account and sent request for me to file this report and send to XXXX within 14 days of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: IL

Complaint narrative:
Hi I am submitting this XXXX XX/XX/XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XX/XX/XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 XX/XX/XXXXi made this clear for 60 days straight with transunion 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 Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 XXXX now im XX/XX/XXXX XXXX cant provide to my XXXX XX/XX/XXXX daughter PLEASE HELP ME PLEASE im XX/XX/XXXX now.with no help.

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 2022-06-06 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 XXXXXX/XX/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 719XX/XX/XXXX 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 transunion 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX now XXXX XX/XX/XXXX XXXX cant provide to my XXXX XX/XX/XXXX daughter PLEASE HELP ME PLEASE im XX/XX/XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: TX

Complaint narrative:
Account XXXX Amount {$750.00} The law is clear under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

I have attached the company response. 

Should you remaining this account information upon receiving this message, I will fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2022-06-06 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I traded my truck to a dealership that was to pay it off as part of the deal. Almost 3 months later I get a message from Truist collections saying I owed one last payment. I contacted the dealership & they provided a paid in full letter and advised the vehicle had already been sold. I naturally requested Truist collections department to validate the debt so I could pay it. They refused to validate the debt according to law, they did although holler, threaten and attempt to bully me in submission repeatedly & then placed derogatory marks on my credit report when I stood my ground requesting validation of the debt. This derogatory action caused one of my credit cards to be reduce XX/XX/XXXX dollars, I was denied new credit and my score dropped almost 60 points. This was escalated to their resolutions dpt and they still refused to validate the debt as required by law and made false claims that they were not a collection agency and did not have to abide by the laws governing collections. I paid a final payment just to stop this attack against my family and now, even though the account is closed they refuse to provide a paid in full letter. The resolutions agent that it was escalated to refuses to resolve the matter and told me I have to get the letter from collections, while collections told me the account is closed and there is nothing, they can do for me. I have had 2 vehicle loans with this company in perfect standing, never a late payment on either one. Their actions are a violation of law, and they intentionally damaged my credit while refusing to validate the debt or provide a paid in full letter once they damaged my credit and bullied me into payment.

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 2022-06-06 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: TX

Complaint narrative:
On XXXX XX/XX/2022, I made a purchase for a sweater for {$68.00} plus a fee of {$3.00} ( total {$72.00} ) through a website that I later discovered was a fraudulent website. Within minutes I notified Paypal and tried to cancel the transaction, but the funds transferred immediately. I filed a claim with Paypal but they stated there is nothing they could do because the funds were transferred as personal funds transfer and not a goods or services purchase. My complaint is Paypal is allowing one of their customers to prey upon other Palpal customers to commit fraud. In just a few hours of research, we were able to determine this individual has multiple websites that all look identical but use different names. All of the posted " contact '' information is fake, mulitple attempts to contact the points of contact on any of the websites are returned as " email invalid ''. The contact information for this seller through PayPal is also fake and returns the same " email invalid '' results. Paypal accepts no responsibility for the fraud and theft that is being conducted through their service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-06 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:
n accordance with the Fair Credit Reporting act Account # XXXX - XXXX XXXX XXXX and Account # XXXX XXXX XXXXXXXX BANK , has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-06-06 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-06-06 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: TX

Complaint narrative:
I DIDNT GIVE THESE COMPANIES AUTHORIZATION TO RUN MY CREDIT REPORT. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-06-06 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: TX

Complaint narrative:
I DIDNT GIVE THESE COMPANIES AUTHORIZATION TO RUN MY CREDIT REPORT. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received an email from Bank of America on XX/XX/2022 with a complimentary offer to switch to the Bank of America Unlimited Cash Rewards credit card. After making {$1000.00} in purchases I would receive {$200.00} cash reward. 

In order to receive the offer I would need to click the email offer and make the {$1000.00} purchase by XX/XX/2022. 

I clicked the email to acknowledge the offer and start the process. 

In addition, I called Bank of America to ask a rep on or around XX/XX/XXXX about making a {$1000.00} purchase before I actually received the new card since the numbers were all staying the same. The rep told me that would be fine and I would still receive the bonus. 

On XX/XX/XXXX or XXXX I called Bank of America to find out about the status of my {$200.00} bonus. I spoke to rep who was surprised I did not receive the bonus yet but assured me she would make a note in the file and open a case # XXXX. She never told me I would not receive the bonus or I had not met the spending requirements. 

On XX/XX/XXXX I called again to follow up when claim rep told me according to the notes I did not meet the spending requirements because my purchase was made before the card was converted. She told me to quickly spend {$1000.00} on that date since it was expiring on XX/XX/XXXX. I told her this was not what the last claim rep told me and if they had at least I would have more than 24 hours notice to do something.

I feel this company was playing a bait and switch game with their client.

I have a lot of accounts with them and may have to switch to another company that values their clients.

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 2022-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, I requested a payment through the Wells Fargo bill payment. The funds cleared my account on XX/XX/2022. The check arrived at the recipient 's address on XX/XX/2022. Other checks were included in the envelope that were dated up to as late as XX/XX/XXXX. Wells Fargo did not send my payment per their own published timelines and held it and batch mailed with other checks fully taking advantage of my money from XX/XX/XXXX ( when funds left my account ) until XX/XX/XXXX, when the recipient received the check.

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 2022-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: SC

Complaint narrative:
I am in the process of buying a home and was pre approved for the loan from XXXX XXXX and I also contacted Amerisave Mortgage for a comparison. I decided to go with XXXX XXXX and now XXXX XXXX at Amerisave will not transfer my case number to XXXX XXXX so that they can move forward with the process.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation