vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
My friend sent me {$200.00} on venmo so I could get him a new gaming device while he was at work. I tried to transfer it to my bank account so I could withdraw it and use said money to get his device. It would not transfer so I tried sending it back to him as I didn't want to keep his money. It wouldn't let me send it back either and kept giving me errors. I made another attempt to send his {$200.00} back, and suddenly my account is frozen. It's been frozen for days and I need to send my friend his money back desperately. This isn't fair to my friend and Venmo is barely replying to me regarding this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 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: FL

Complaint narrative:
15 U.S Code 1681c-2 states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 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 2024-02-25 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 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: MD

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

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 2024-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
It seems that my Venmo account was hacked approx. 2 weeks ago. I have contacted Venmo on numerous occasions over that time period. The time I actually talked to someone, they said there was " Suspicious Activity '' with reguards to my account, they gave no other details, and that it will be reviewed by their fraud team and that I would hear back from them via email with in 24 hours, that was 5 days ago. My recent contact was with them today and now they say that the fraud team will contact me within 10 to 13 business days! I need this account to run my business! It's not my fault it was hacked, it was Venmo 's, yet I'm being treated like the hacker!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
Mr. Cooper ( NationStar Mortgage ) does not provide adequate access to assistance, in fact, I would say that access to help or the ability to fix issues with this company is effectively non-existent. Calling any of their phone numbers consistently results in wait times of 50 minutes or more and disconnects ; IVR options are very limited and specific and usually results in a recording or hang up and you never get to speak to a live person ; you are never offered the option to speak to a live person without being presented a limited list of topics ; chat is a poorly trained AI that has very limited responses and never routes you to a live person ; I've opened tickets, but communication is one way and not timely. I've made more than 12 calls in the last 3 weeks to resolve an issue and it is still not resolved. My home insurance coverage has changed and Mr. Cooper is still paying the old company and has not updated my account to the new policy and my escrow at twice what they should be. I have confirmed with the new policy holder that Mr. Cooper has received the documentation and notification and I am concerned that Mr. Cooper 's delay is going to result in a lapse of coverage due to untimely payment to the new insurer leaving me and my family at high risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Both Transunion and XXXX XXXX are reporting false information on my credit report. According to their records I have a charged off account with XXXX XXXX XXXXXXXX XXXX as of XX/XX/year>. I did not have an account with XXXX XXXX at that time and have not had an account with the company in quite a while. These XXXX companies have failed to provide me with an itemized list of what these charges they are claiming I owe are for nor have they provided me information in relation to how I owe this alleged debt as I have not held an account with that company during that time. I would like to see the final bill in my name with the address I was residing at the time this so called money was owed. Also please provide proof that comenity bank XXXX XXXX has sold this alleged debt to 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 non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX who provides online, short term loans through their sister company XXXX XXXX continues to falsely report a balance due on an old account. Further, the balance continues to grow even though the account was marked as charge off. I have disputed this account numerous times over the years via the credit bureaus dispute centers. Each time, XXXX failed to properly validate the debt directly with me and overall failed to adequately respond to the disputes time and time again. However, XXXX continues to update the credit bureaus stating the data reported is correct and they continue to report a growing balance on a closed account. An account can not be closed/charged off and continue to grow in balance and report to credit bureaus as if it were an active and open loan. Per FDCPA and FCRA regulations, XXXX have failed to properly respond to disputes and failed to properly and timely validate an allegedly owed debt. Per regulations, the debt must be marked as unenforceable and uncollectible, furthermore any and all collection efforts or attempts must end immediately and the account and data must be removed from the credit bureaus. Failure to not complete these steps is in violation of Federal guidelines. I request that XXXX promptly remove the falsely and unverified data from my credit reports, mark the account within their system as unendurable and uncollectible, and immediately end any/all collection efforts that may be in place. Failure to do so could be construed as fraudulent activity and/or harassment.

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 2024-02-25 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: GA

Complaint narrative:
On XX/XX/2024 I filed a dispute with Transunion and received a final investigation on XXXXUpon receiving an updated consumer report I still noticed fraudulent accounts on my report, and received no information on how these accounts were verified.

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 2024-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
During the pandemic years, my mortgage was owned/serviced by Community XXXX XXXX XXXX who took over that responsibility from XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
Even though the pandemic was at its peak, I approached Community XXXX XXXX in XXXX XXXX about getting on a Loan Modification Agreement. 
We agreed that, after I made 6 consecutive monthly Trial Plan Payments in the amount of {$3400.00}, which I did, I would then be offered a Loan Modification Agreement, which I was. 
However, on both XX/XX/XXXX and on XX/XX/XXXX, Community XXXX XXXX sent me the XXXX to sign. Plus, they added new settlement terms without telling me beforehand but did advise me that i should review same with counsel and respond back if I had any questions about the terms of the new XXXX. 
So, when I wrote back to them on XXXX XXXX XXXX asking which of the two sets of documents should I sign, the XX/XX/XXXX version or the XX/XX/XXXX version, plus asking for an explanation of new XXXX settlement terms, such as a balloon payment after 15 years of which i had no prior knowledge, they decided to ignore me and not answer me. 
Apparently, this is because they were, at that time, in the process of negotiating the sale of my loan to the infamous lender known as Nationstar Mortgage LLC dba Mr. Cooper who had just been sued in federal court by the CFPB and fined {>= $1,000,000}. 
It would appear that I have a valid Section 8 claim, under RESPA, for undisclosed settlement costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For the last three months, I've been asking Experian to remove inaccurate personal information from my report and provided evidence to support my request. However, Experian has once again failed to investigate the matter.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
MY IDENTITY WAS STOLEN IN CREDIT ACCOUNTS, STORE CARDS, CAR LOANS ETC WAS OPEN WITHOUT MY ACKNOWLEDGEMENT I HAVE FILED A POLICE REPORT ALONG WITH AN IRS IDENTITY THEFT REPORT ALSO REPORTED IT TO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
The equipment I purchased from XXXXXXXX XXXX XXXX was either installed incorrectly or faulty. It was going off every night. Nobody came to fix it, so I ended the service. The equipment was financed through Synchrony Bank 's credit card, Home Design. I already settled with XXXX, but they won't take the equipment back. They said they will not refund the money ; I have to work with Synchrony. Even the contractor who works with XXXX, XXXX XXXX, will not work with me. 
I have attempted to resolve this issue with Synchrony since XXXX, but they will not help refund the money. 

How can you 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 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I submitted a complaint to CFPB on XX/XX/year> because I wasn't getting any updates on my credit card application from XX/XX/year>. Immediately following, I received a denial letter on XX/XX/year> from Capital One stating I was denied because I hadn't provided additional information requested/missing information on my application. 

This is false. They didn't ask me for additional info other than copy of my driver 's license which was provided. 

The letter suggests it was an issue with my credit score which was XXXX out of a possible high of XXXX. Ridiculous! 

The denial seems retaliatory for filing the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: CA

Complaint narrative:
During XX/XX/2023, I received a letter in the mail from Laurel Road  XXXX Key Bank, N.A. NY XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX ) saying that my recently opened ( XX/XX/2023 ) checking account ( ending in XXXX ) was going to be closed within the next 5 business days. They also said that any remaining balance would be sent to the account statement address in the form of a check. Therefore, I waited a few weeks, but the check never arrived. My online access was removed, so I could not check any status easily. However, based on the latest account statement, I knew the account had a balance of {$790.00} dollars. I ended up calling the bank, and they confirmed on the initial call that I was going to receive the check soon, however, after a few weeks it did not arrive. I called again, and now the customer service rep told me they need to receive a letter from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) so that the funds can be sent back to the original account where they came from, which would be also OK since that was the account of my husbands employer. Ive called Laurel Road multiple times, and they say they are still waiting for XXXX to respond to their letter, its been more than 4 months and the funds are still on hold. Laurel Road  says they cant do anything until they receive a response from XXXX. Therefore, Ive asked them to provide more information about the letter or a copy of it, so I can follow up with XXXX, but they say they can provide that information. Ive also called XXXX to inquire about the letter and the status of the request, but they cant find anything, it makes it difficult for me to recover the funds since Laurel Road does not want to provide a case number or a copy of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: COLLECTION ASSOCIATES, LTD.
State: FL

Complaint narrative:
Collection Associates LTD has falsely reported an allegedly owed debt to the credit bureaus without verifying the debt or contacting me about the claimed debt. On XX/XX/24 I disputed the debt via all major credit bureaus- Collection Associates did not respond to the dispute to me directly even though debt verification was requested in the dispute. Collection Associates ignored the request, but did inform the credit bureaus that the data reported was correct. This is not the case and hasnt been proven to be true. 
I disputed the debt for a reason and this dispute went ignored. Proper debt verification processes were not followed per FDCPA and FCRA guidelines. Per regulations, all disputes and requests for verification must be responded to directly. Collection Associates LTD failed to properly validate the debt in question. Pre regulations, their failure to validate the debt makes the alleged debt unenforceable and uncollectible. They are falsely reporting an unverified debt to the credit bureaus which has wrongfully impacted my credit in a severely negative way. This action could be construed as fraud and harassment per FDCPA. I request that Collection Associates LTD promptly removes the collection account from my credit reports and close out the account within their system as it relates to my name and/or personal information. The allegedly owed debt must be marked as unenforceable and uncollectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I may be a victim of a XXXX XXXX fraud As my suspicion grew - I informed my bank that its possible the XXXX wire transfers I sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are fraud companies - stealing my money and the funds are NOT going to a XXXX XXXX account This is because when I went to withdraw ALL my money out of that XXXX XXXX  account on XX/XX/XXXX I was NOT allowed to and it says my money of frozen for 45 days Here are the wire transfers that I sent from my Wells Fargo account in XXXX DC : On XX/XX/XXXX : I wire transferred {$15.00} XXXX from my Wells Fargo account to this bank as directed by moderator of a XXXX XXXX XXXX called XXXX XXXX XXXX  XXXX The bank I wire transferred to for XXXX XXXX  account to receive my funds Beneficiary Name : XXXX XXXX XXXXXXXX XXXX  Beneficiary Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Beneficiary 's Account Number : XXXX XXXX Routing XXXX Bank Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ND XXXX XXXX On XX/XX/XXXX I informed my Wells Fargo bank and they have sent a recall to this Bank to return my funds - that case # with Wells Fargo is XXXX XXXX ) On XX/XX/XXXX I wire transferred {$25.00} XXXX from my Wells Fargo account to this bank as directed by moderator of a XXXX XXXX XXXX called XXXX XXXX XXXX  XXXX The bank I wire transferred to so they could send the funds to my XXXX XXXX  : Beneficiary Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Beneficiary 's Account Number : XXXX XXXX Routing Number : XXXX Bank Name : XXXX XXXX XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX I informed my Wells Fargo bank and they have sent a recall to this Bank to return my funds - that case # with Wells Fargo is XXXX XXXX ) On XX/XX/XXXX I wire transferred {$120.00} XXXX from my Wells Fargo account to this bank as directed by moderator of a XXXX XXXX XXXX  called XXXX XXXX XXXX XXXX The bank I wire transferred to for the trading account : Beneficiary Name : XXXX XXXXXXXX XXXX  Beneficiary Address : XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX XXXX 's Account Number : XXXXXXXX XXXX Routing Number : XXXX Bank Name : XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX  ) : XXXX Bank Address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XX/XX/XXXX I informed my Wells Fargo bank and they have sent a recall to this Bank to return my funds - that case # with Wells Fargo is XXXX Federal ref # : 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