vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CUSTOMERS BANCORP, INC
State: RI

Complaint narrative:
In XX/XX/scrub>XXXX XXXX I took out a personal loan to consolidate credit card debt in the amount of $ XXXX. Monthly payments were {$1200.00}. In XXXX I wanted to make a better financial move so I did a home equity loan and paid off the {$45.00} personal loan with Customers Bank. 
I used the pay off in full option on the site to determine the balance owed and a check for a bit more than what was listed was sent, total sent at that time was $ XXXX which should have paid the account in full. I believed the account to be closed since that was the instructions per the letter that accompanied the check. I found out the account went to collections when I received a letter from XXXX XXXX. I received no phone call, no letters from Customers Bank. This action plummeted my credit rating, causing my credit card company to wipe out any available credit I had, causing my usage to appear at 99 %, further damaging my credit rating. I made multiple attempts to figure out why a remaining balance was due and determine the balance due amount. On every screen of Customer Banks site a different amount was listed. The XXXX letter also listed a different amount. I called and each person provided a different amount and it seems like I am being scammed by Customers Bank. I finally heard the amount {$600.00} a few times so I agreed I would pay the {$600.00} over a few weeks, which I have now done. Customers Bank indicated they believed a {$600.00} balance was owed because the balance was paid in full by check so they assessed a large fee. XXXX make sense but I was happy to have this resolved. I continue to receive emails indicating that as of XX/XX/XXXX a $ XXXX amount will be charged off and remain on my credit report for 7 years. This is continuing to damage my rating and my finances. Customers Bank indicates that I still owe 4 monthly payments of {$1200.00}. This doesnt make sense and feels like they simply will not let go. I have XXXX XXXX in college and XXXX more heading to college in the fall. I am deeply concerned I will not be able to obtain loans to cover XXXX  education due to my failing credit rating caused by Customers Bank. Please help. XX/XX/XXXX is coming quickly and Ive tried several times per week to get a straight answer and its impossible. Thank You

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 2024-01-26 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: FL

Complaint narrative:
On XXXX, XX/XX/XXXX, I received an email related to a Venmo transfer of money that I did not make. I immediately opened a case with Venmo disputing the transaction. I called my bank ( XXXX XXXX ) that agreed this was unauthorized activity and fraudulent activity and they were able to place a stop payment on the money being sent to Venmo. Coincidentally, the same day, the same card had another unauthorized transaction to XXXX XXXX that was disputed with XXXX XXXX and XXXX that is still under review. On XX/XX/XXXX, Venmo responded to my case by denying the dispute stating that the transaction was " consistent with my payment history '' even though this transaction was sent to a contact that I had never sent to before. I asked Venmo to explain why they deemed this an authorized transaction when every other party rightfully concluded that this was unauthorized and fraudulent, and I asked Venmo to provide the documentation that was used in my case. They have been unable to provide additional information for either request. Additionally, I had a positive cash balance in Venmo prior to this activity. They have frozen my account and the only way for me to unfreeze it is to pay the amount of this unauthorized, fraudulent transaction plus an additional fee. So they are essentially holding the money that was already in my account and rightfully mine XXXX and not allowing me to access it unless I pay for the unauthorized, fraudulent transaction and an additional fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: T.S. Holdings
State: IL

Complaint narrative:
I am filing a complaint against XXXX for not resolving a disputed collection account on my credit report. This account is linked to my former residence [ XXXX XXXX  ]. This debt was incorrectly reported to collections. I have provided XXXX with evidence of paid dues and requested proof of any outstanding debt from the collection agency, IQ data international, but have not received any substantial response or proof. This incorrect reporting has adversely affected my credit score and caused significant distress. I request the CFPB 's assistance in removing this erroneous collection account from my credit report and obtaining a corrected report from XXXX, along with written confirmation of the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I opened both a checking and savings account on XX/XX/23. I was supposed to receive two {$300.00} promotion monies One for each account. I received a card in the mail. I wasnt explained at the time of opening my account that on XX/XX/23 the money had to be in the savings account that day. It was only missing for a few days as it was needed to pay a bill. I was also given a visa debit card which I didnt ask for. They somehow pulled my property value and mortgage balance by public records Im sure. I was being offered a home equity loan. Remember I wasnt there for a debit XXXX card or equity loan. I have called so many times. I have it all documented. I was told the terms were on the card I received in the mail. I needed a magnifying glass to see the extremely small print. I feel that I was mislead by their deceptive sales practices. I will be XXXX on XX/XX/XXXX. I also feel I was discriminated for my age. Their customer service rep that Ive spoken to on the phone several times was so rude and condescending. She says have a great day when I was so upset. As a XXXX  Id like to help others as well as myself. I was given the {$300.00} for opening my checking account However I wasnt given the other {$300.00} for opening my savings account. If the sales representative explained the rules correctly I would have received the additional {$300.00}. I am most upset with them trying to push me into opening up an equity loan. I just want my {$300.00} as promised. All the money is in my account. I have been treated so rudely my Citizens Bank customer service line. Deceptive sales practices from big banks are especially confusing to most seniors. This has been such a terrible experience. I was ignored since XX/XX/XXXX until this week when I emailed the bank manager where I opened my account that I was sending a letter to the Banking Commissioner in XXXX. Which I did. They gave me your information since Citizens bank isnt chartered in Massachusetts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm writing my complaint to EXPERIAN about the fraudulent and inaccurate information on my credit record that are not genuinely consistent, demonstrated substantial, or recorded as completely evident and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/XXXX, XXXX FTC report number related with this protest is XXXX. I have perceived likely tricky and verifiably questionable dissent declared demands on my credit record that have no admissible or endorsement settled on by my person of decision. Within my federal and state consumer and/or civil rights, I am entitled to demand and/or compel you to remove/correct them as soon as possible. I'm submitting this complaint to check the guarantee that the specific things you are detailing are in consistence with FACTA Title 1 Segment. 151 that unambiguously obliges a depicted of the modus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
I went to credit karma to check out my credit and they had a list of 5 credit cards in my account which were in their opinion, pretty sure I could obtain. XXXX XXXX gets money for every member they send which joins. I joined Prosper and they approved me for a {$1700.00} credit limit, send me an email and said while I was waiting to get the card I could use 1/2 of my credit limit. I did just that as I am off work on short term XXXX and have limited funds coming in. I bought my son some tennis shoes, and made a purchase on XXXX for a furnace filter, I went to XXXX online to try get my grand daughter valentines for her kindergarten class and the purchase was denied, an alert came over my phone, a fraud alert from the credit card company and asked me if I made a purchase at XXXX, I said Yes and they said OK, retry that purchase and that was it. i attempted to pay and it said card was now blocked, so I called the credit card company and he asked me if those purchases were mine and I said yes and he reopened my account and said just stay away from XXXX online and you should be good, so I went to XXXX  and purchased items and my card was again blocked. I got up today and logged into the account and they lowered my credit limit by half. I would have never agreed to have the card with the lower credit limit but I was tricked!!! I started looking at the reviews on the site I joined from and many people were saying exactly what I just typed out here and even saying other things which have me scared to death now! I don't want my bank account compromised or my credit destroyed by this company. I spoke with this company today and the woman said my card was blocked multiple times for fraud, which was not fraud it was me however they never send additional messages asking me if I had made these purchases. She said the lowered credit limit is how much I can use until my card gets to me then they will raise it back up to {$1700.00}. This is just not acceptable business practices and there are a lot of people upset with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was hired by a company and did not know they were fraudulent until they sent me a check and then stopped payment of the check. The check was for {$4900.00}. I sent out three XXXX transactions for {$1000.00} and a {$1800.00} wire transfer. I have contacted Wells Fargo XX/XX/XXXX after I received an email that my account was over drafted. I filed a fraud claim on XX/XX/24. In the account was {$1800.00} of my money that they are trying to not give back. I need my money to pay bills. Wells Fargo is trying to shut down all my accounts. I have been a customer for 19 years and have never cashed a fraudulent check on my account. They have blocked all deposits that I would get as well as my husbands as well. Pleas know I was recently laid off and this money is the last of my severance check and I am supposed to get a bonus via direct deposit in a week. My account is currently in the negative and the outstanding balance has eaten up the money I had in there. Please help they are trying to not give my money back. Please note I still have my maiden name XXXX XXXX on my bank 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 non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHECKredi of Kentucky, LLC
State: FL

Complaint narrative:
This company stated I had rhe right to dispute the validity of the debt but never gave me that right as they were contacted on XX/XX/24 where a formal dispute was launched and blantantly ignored. Pursuant to atatute XXXX of XXXX  law, written communication of intent to collect must be sent within 5 days of assignment before debt collection can begin which this unethical unprofessional argumentative company ignored along with my federal debt collection practices act rights to dispute since they say they are a debt collector but believe themselves to be above the law. 

This company was paid on XX/XX/24 and then again on XX/XX/24essentially meaning they werr paid twice and when I spoke to whomever the XXXX XXXX XXXX XXXX XXXX XXXX XXXX supervisor, she couldn't of cared less and basically told me " uh yea XXXX business days '' Ive also attached the communication where it says I have the right to dispute but clearly the people who work for the company feel the right to harass XXXX bully people XXXX not honor that which is in black n white ... ( wonder if the XXXX state ag would view this as .... )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Im filing a complaint against XXXX, XXXX, and Experian. The credit companies are not complying with their own policies in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Someone opened XXXX mortgage accounts with XXXX XXXX that are not mine. The account numbersXXXX XXXX Account Numbers are : XXXX, XXXX, and XXXX There also was a fraudulent account opened in my name thru identity with XXXX XXXX XXXX XXXX Account Number : 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 2024-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
I contacted the Bureaus to pay a debt because I was required to satisfy the debt for my employment. I asked if I would get a paid receipt immediately if I paid the debt in full. I was told that I would be emailed a paid receipt by the end of that business day. It has been 3 days and they have failed to provide me a paid receipt or any type of receipt or documentation showing the payment. They did withdraw the money from my account. I have called them every day trying to get a receipt or some documentation from them showing the payment. I have confirmed multiple times that they have the correct email address. They keep telling me that they will get to it but they haven't yet and it is placing my employment in jeopardy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: VA

Complaint narrative:
I have been a Discover card customer since XXXX. I last used the card on XX/XX/XXXX. I received my XX/XX/XXXX payment as normal with a due date of XX/XX/XXXX. The minimum payment due was {$410.00}. I paid {$410.00} on XX/XX/XXXX. On XX/XX/XXXX I received a notification from my credit monitoring service that I was over the credit limit on a card. I checked to see what card was overlimit, it was the Discover that had not been used since XXXX. I called Discover to ask for a explanation of how I can be over my credit limit when the card was not used. The explanation given was that interest accumulated from my payment date to my card closing date put me over limit. They attempted to tell me how to calculate my interest so I would know what my true payment would be! As a consumer how is this acceptable? This practice is forcing me to guess at my payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of identity theft and the XXXX data breach. 
Credit cards from XXXX and XXXX XXXX are not mines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See document attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
company refuses to remove the account i have now went further this is my 3rd time providing them with a ftc report I'm requesting now for immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Account was opened with chase around XX/XX/XXXX. 

I received 3rd party endorsed checks as a form of payment for goods and services rendered to my clients to which I deposited into my checking account with Chase to enforce the instruments. The bank place holds on them requesting that the third parties provide identification for themselves. There were two individual checks and two individuals representing two different checks identified themselves at the XXXX branch. However the money was not released or issued. The bank has held my money for over 2 years with no resolution. When I called on XX/XX/XXXX at XXXX XXXX  I spoke with an associate named " XXXX  '' he would not identify herself with a real name, and was met with the response that I could not take the conversation although that they were taping their end and was provided no account information and told that any dates of deposits dispute or decisions could not be discussed on the phone or provided. The agent was rude and asked why I hadn't pursued this in over 2 years so I turned the question around and asked why the bank had not made any kind of resolution in 2 years or movement to do so .... Subsequently a supervisor called XXXX who refused to identify herself properly got on to the line and when presented with the same question she simply hung up after XXXX minutes of trying to get a resolution or any kind of an answer this is as far as I got. The company and been combative and I openly hostile to the account holder upon learning that the checks were endorsed by a married minority couple of XXXX  status and discriminated against for that reason. 

We want the bank to release the funds to the account holder within XXXX business hours as there have been hardship and damages incurred by depriving the customer of her money.

Company response to consumer: Closed with monetary relief