vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Netspend Corporation
State: CA

Complaint narrative:
I purchased this Netspend card at XXXX to give to my child on his trip. I bought this card on XX/XX/2022. We tried to activate the card however the system said that I need to speak with a live agent to complete the activation. 
I called back on XXXX  XX/XX/2022 to ask for refund as my child is back from his trip and there is no use of this card. I spoke with XXXX and he spoke to my child and activated the card under his name with out our knowledge. When questioned he said that the card got activated under a Minors name and they can not do a refund. Spoke with XXXX supervisor who said that she can add my name as a primary but I insisted on getting the refund for which she said that her manager is going to call me back in 2 business days. 
I waited for three business days and never received any call. When I called back Wednesday XX/XX/2022 the rep said that there is no Supervisor by the name XXXX and they can not do the refund. I was upset with XXXX for carrying such cards. Its a hassle to get the card activated and if it passes 30 days the card will automatically deduct {$6.00} and for every transaction they charge a processing fee if {$1.00}. 
Thank

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 2022-03-03 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: MOHELA
State: MD

Complaint narrative:
On XX/XX/2022, XXXX refused to correct my current score with them back to pre-student loan debt transfer. It is not my fault I should be punished for something XXXX and Mohela did when reporting their transfer. I did not abruptly pay all my debt off and get myself into debt again. XXXX corrected my score when they first mistakenly added double my debt. There is absolutely no excuse for their refusal to say there is nothing they can do about it regarding interpreting the debt transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: MD

Complaint narrative:
On XX/XX/2022, Experian refused to correct my current score with them back to pre-student loan debt transfer. It is not my fault I should be punished for something XXXX and XXXX did when reporting their transfer. I did not abruptly pay all my debt off and get myself into debt again. Experian corrected my score when they first mistakenly added double my debt. There is absolutely no excuse for their refusal to say there is nothing they can do about it regarding interpreting the debt transfer.

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 2022-03-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account Number : 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 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 2022-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Multiple dispute attempts to remove negative and inaccurate information from 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 non-monetary relief
Consumer complaint received 2022-03-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Multiple dispute attempts to remove negative and inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account Number : 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 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 2022-03-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account Number : 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Pursuant to 1692g, i am requesting the Method of Verification for the following disputed account This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you Credit Reporting Agency permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

There is an errant account on the credit report and it needs to be removed. Also enclosed please find Debt Validation and ID Theft report reporting the identity fraud. By law the account must be removed from the credit report. Please send an updated credit report with the outcome to this official dispute of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: AZ

Complaint narrative:
Pursuant to 1692g, i am requesting the Method of Verification for the following disputed account This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you Credit Reporting Agency permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

There is an errant account on the credit report and it needs to be removed. Also enclosed please find Debt Validation and ID Theft report reporting the identity fraud. By law the account must be removed from the credit report. Please send an updated credit report with the outcome to this official dispute of the 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 explanation
Consumer complaint received 2022-03-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Are checking account have been hack. From the month of XX/XX/XXXX our checking account have been hack. The bank notified us that their were some unusual activity in our checking account. The checking account was closed and a new card with new checking account number was issued this happened 3 more times. On XX/XX/XXXX my wife received a letter from Wells Fargo indicating that her dispute of {$520.00} was overturn and that the provisional credit will be deduct the said amount. I called the bank and spoke to XXXX and then to XXXX XXXX, because I did not call for any file a claim in the first place I asked XXXX XXXX, was my voice recorded, did the bank call me or try to reach. She said no we know it was you. The amount stated is a car payment to XXXX XXXX XXXX this amount is being deducted every month since XXXX. I feel violated someone call and made this phony claim and Well Fargo Bank with my knowledge and authorization process the claim. They should have call me, text me, email me or my husband. but instead took the claim and process it. This is clearly a breach of contract and privacy policy

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 2022-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
On XX/XX/2022, I received an email from Venmo stating that my account was going to be frozen. I responded to that email immediately upon receiving it, and for days afterwards. I also received a separate email, asking for a copy of my photo ID, which I sent immediately upon receiving that email. I tried calling Venmo and was told I have to keep responding to the original email chain that sent me the notice. I also used the chat option, where each customer service representative told me the same thing : respond to the original email chain that sent the notice. I want to know what I did wrong that warrants a frozen account and that is having Venmo withhold my money from me for up to 180 days, they claim. The only answer I have gotten is that I violated their User Agreement, but they won't tell me how. I have read through the user agreement multiple times and find nothing that I did wrong. I want them to release my funds ( which is {$5000.00} as of today, XX/XX/2022 ) to me and I promise I will never use their platform again, even though I did nothing wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CO

Complaint narrative:
I was automatically placed into forbearance in XX/XX/XXXX when I began a ( second ) XXXX XXXX XXXX program. I contacted FedLoan in XX/XX/XXXX to request removal from forbearance. FedLoan informed me they would do so, but it would take several months. FedLoan also said it would count the payments made during the time I was in forbearance towards the PSLF program. 

Since then, I've submitted multiple employment certification forms, and FedLoan never counts the payments made in XXXX, XXXX, and XX/XX/XXXX towards forgiveness. I spoke with XXXX, a customer service representative, on XX/XX/XXXX, who informed me that he was going to re-issue statements for XXXX and XXXX. He would similarly issue a statement for XXXX. FedLoan would then recognize these payments for forgiveness. 

I reached out to FedLoan via email on XX/XX/XXXX for a status update. I received a response on XX/XX/XXXX that these payments were submitted for manual review. I haven't received an update since then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 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: CORELOGIC INC
State: IN

Complaint narrative:
A credit provider ran my credit for a home loan without my consent.

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 2022-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
In XX/XX/XXXX I submitted a CFPB Complaint ( Case # XXXX, response letter attached ) to have an account closed after multiple Citi representatives were unable to close the account. In the response letter from the CFPB this was acknowledged with the quote, " It should not have been necessary for you to contact us on more than one occasion for assistance with closing your account. ". 

In the response letter it also said " Pursuant to your request, we have processed the closure of your savings account ending in XXXX. Please note, there are no fees associated with closing your account. You will also receive a final statement, which will confirm the account is closed. Any accrued interest will be forwarded to you via mail at the address listed above. ". This is incorrect. I was given accrued interest in the account on XX/XX/XXXX and then received a Monthly Service Fee on XX/XX/XXXX. It makes sense why Citi is still receiving consent orders from the OCC as clearly they still are incapable of implementing internal controls even when their Executive Response Unit clearly outlines the course of action as a result of the Complaint which can not be adhered to.

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 2022-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc.
State: TX

Complaint narrative:
My Name is XXXX XXXX XXXX I Have put concert XXXX XXXX XXXX XXXX Texas XXXX XXXX as a XXXX suggest XXXX with pule Moorage company. if i used them call prefacer lander and going to give me credit toward closing cost {$8000.00}. when i audit the closing cost their math does not Mach. I asked them to reaved pulet moorage decalin my loan. I sure this is against fair mortgage practice this company is fraud. Because of cooler and atonicity my race This company didn't approved me loan. I have a XXXX-year-old son sold my house this company west my time. they did not give me deflate answer at the end of contact almost expire just 13 day 's closing told me i am not able to get finance. This is heart breaking been here 26 years paid tax and I have decent credit I don't know what to do at this time. this is the option left to complain against like this crock company I do have all. The emails and document.

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 2022-03-03 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: CA

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please resolve this account completely from my Credit Reports : XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: CA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please resolve the following accounts completely from my Credit Reports : 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 2022-03-03 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: CA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please resolve the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: GA

Complaint narrative:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is identity theft.

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 2022-03-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX 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 non-monetary relief