vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
My wife and I use The VENMO app owned by Paypal Inc. XX/XX/XXXX my wife XXXX had her Venmo acct frozen. 
she called Venmo and they said problem with our XXXX XXXX Bank. She called them and they said it was a VENMO issue. She called Venmo back and they said it was an issue with my Venmo acct. My account was then Frozen and we both started communicating with what we thought was a VENMO Tech team. 

They told us that our IP address was on several servers around the world and before we could use VENMO again we had to get our IP address off these bad servers. In order to do this we needed to combine all our Money that was in our XXXX XXXX accounts into one account and wire it to a Bot to hold money safe temporarily while they got access and cleared the severs of our IP address. 

We also had to XXXX money to a made up person to gain some type of temporary access in order to do this work. 

We made two wire transfers and 3 XXXX transfers. The wire transfer were done on XX/XX/XXXX {$20000.00} and XX/XX/XXXX for {$21000.00} to bots as well as 3 XXXX transfers. The money was supposed to come back to us in 3 days. Before we agreed to transfer money I had them send me photo VENMO ID Badges and they gave me two VENMO receipts for the two wire transfers. There was no reason to think this was a scam because both our VENMO accounts were frozen and we had dialed the VENMO number and had receipts for the money. 

On XX/XX/XXXX the day after the 2nd wire I tried to contact VENMO through a chat and we were cut off, then the next day did a chat again and I sent them Screen shots of the Two IDs card, wire transfers and Bot addresses of sent money. I ask them for help and wanted to know if this was fraud. They still have not told us the answer. 

I started getting concerned and decided to contact VENMO in a chat and they said our case had been pushed to a higher level and that seemed reasonable to me. I sent about two dozen emails to VENMO pleading with them to tell us if these people worked for them. I did not get any answer but it would be 7 days to 21 days before they would respond to my plea for help. On XX/XX/XXXX we finally went to XXXX XXXX Bank and they told us this was not fraud to them and all they could do is a recall for the two wires. We still have not heard what has happened to the recall. 

We believe VENMO is responsible and are asking for them to return our life savings to us. We are both XXXX years old took reasonable steps to identify these people working for VENMO and when I sent screen shots and pleaded for help they ignored us. We also feel that XXXX XXXX has some responsibility to help us with the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I have asked Credit Corp Solutions 3 to 4 times for them to stop calling me at work and I keep getting phones calls. I have asked them to stop calling me all together until they send me proof of the debt they are calling me about and I have et to receive this. I have sent a complaint 3 to 4 times to stop calling me at work and to stop calling me and have taken a screen shot of every time I have sent it. I asked them multiple times for them to send send me proof of my debt and they still have not sent me no proof of the debt they are harassing me about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: NV

Complaint narrative:
Hi I am submitting this 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 719transunion has me at a score around 590. 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 n 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 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im 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 non-monetary relief
Consumer complaint received 2022-09-13 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: NV

Complaint narrative:
Hi I am submitting this 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 719XXXX 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 n i made this clear for 60 days straight with XXXX 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
A personal loan was made in XX/XX/2022. All the loan documentation can only be viewed in the account online. 
Marcus has failed, denied or refused to provide the necessary information to access the online account to view the account information.

We have contacted Marcus by phone nearly once a week for the last nine months to provide a solution. Marcus always states that the technical department is looking at the problem.

All payments to Marcus have been on time, automatically deducted from our bank.

We want Marcus to do something to fix the problem. They refuse or fail to do anything.

We want access to our account to make sure the loan is being processed correctly.

We need answers. Marcus appears to do nothing to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi I have been at this for several months now going back and fourth with the 3 major creidit reporting companies. For illegally without concent share personal information. Also I have sent numerous letters as u will see in the attached files wanting a legal investigation into the reporting on their end. More than 30 days have passed and no legal investigation was taken place. I want to file complaint and fine the companies for each day this has dragged on without removing from my accounts. They are indirect violations with 15 UFC 1681 { A } # 2 15 USC 1681 { I } # 2 15 USC { S-2 } # 8 15 USC 1681 { B } 15 USC 1681 # 4 15 USC 1681 { I } # 5 ALSO ATTACHED YOU WILL FIND PRROF OF LETTER AND WHEN RECIEVED BY EACH COMPANY. I WOULD LIKE THIS MATTER HANDLED IMMEDIATELY AND REMOVED FROM MY FILES AS SOON AS POSSIBLE BEFORE LEGAL ACTIONS ARE TAKEN. 

TAKEN

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 2022-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
The Money Source is my Mortgage company. I filed a bankruptcy and my case was dismissed in XX/XX/2022. I have been sending in a {$100.00} extra dollars on my account to go towards interest. However, XXXX informed me that they were not applying the payments towards my interest payment instead they were applying it because there attorneys charge their services to the clients whenever a bankruptcy is filed. I have never heard of this before and I said so. At this point I said I have never agreed to this and there is no documentation saying the opposite. XXXX  then informed me that I did not need to file anything because this is done automatically. I want the money I have paid to go to paying my interest down this is the only resolution that I am seeking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Ive had my recurring monthly minimum payment setup to be automatically debited from my personal checking account for approximately 1 year but somehow was penalized for a late payment and my credit score has dropped significantly as a result.

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 2022-09-13 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX have violated my consumer rights and caused me severe stress and anxiety due to their inaccurate reporting and their willful non-compliance of my consumer rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX have violated my consumer rights and caused me severe stress and anxiety due to their inaccurate reporting and their willful non-compliance of my consumer rights. 

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

15 U.S.C. 1681 Sections 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 2022-09-13 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am requesting the correction of one 30 day, and one 60 day lates that are currently reporting on my account ending in XXXX. This is a business card that was paid off in full as of XXXX of XXXX, and hasn't been used since then. 

I requested that this business account be closed in XXXX of XXXX via a phone call to Chase XXXX XXXX as I was leaving the company and didn't want to have a card associated with a business I am no longer affiliated with. 

However, the card was not closed properly, and I had no way of knowing that the card was still open as I specifically recall requesting the card cancellation after paying off the balance in its entirety As the card was NOT properly canceled, I was apparently assessed an annual fee in XXXX of XXXX, of which I wasn't aware of. Chase attempted to draft money from an old bank account and the payment was thus returned. I didn't know this was happening since as far as I was concerned, the account was closed. * I later found that this was happening after being alerted by my mortgage broker that I have two lates reflecting on my credit for the months of XXXX and XXXX of XXXX respectively. 

I was notified by my mortgage broker that my scores have declined over XXXX points due to the late reporting from Chase. I have never seen this account on my personal credit and had no reason to believe that an annual fee would be assessed on a closed account. Chases failure to adequately close the account as requested resulted in 30 and 60 late reporting on my credit, and subsequently dropped by credit score over XXXX points. I am asking that this account is canceled as requested in the past, and that the late reporting is corrected, as the fee should have been assessed in the first place. 

I have several accounts with Chase and have never been late once on any of them. I shouldn't be held accountable and marked late for a fee that wasn't supposed to be charged in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2022, someone fraudulently deposited a {$1200.00} check into my checking account. The banking institution used for the deposit was made about XXXX miles away from my residence and local banking branch and most likely garnered my checking account number through social engineering and forged my signature. 
On XX/XX/2022, this same person made an in-person withdrawl of {$500.00} against my account at a different branch which was found to be in a neighboring state. 
A customer service email was sent following these transactions on Wednesday XX/XX/2022, a customer service email was sent to me asking me to complete a survey regarding the quality of customer service. This flagged me to look at my account as I did not utilize or interface with any customer service representative in recent days. In seeing this email, I looked at recent activity and found the fraudulent deposit and withdrawl. This was found late in the business day on XX/XX/2022. 
XX/XX/2022, the account holders, myself and my wife, visited our local branch to file and report the fraudulent activity. 
XX/XX/2022, after visiting my local branch for a status update, I was told that this claim was denied after reviewing " proper documentation ''. I asked if video was reviewed and it the representative confirmed that video evidence was not reviewed. I've asked a different representative to re-open the claim. When examining the signatures on the deposit and withdrawl, they do not match my signature as I always sign my middle initial and that is excluded on the manual transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-13 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: OK

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-09-13 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX is in VIOLATION of Under 15 U.S Code 168c-2. 

They are illegally purchased a debt in my name from XXXX XXXX without my permission. 

Since they are in violation of FEDERAL law this must be removed from all three credit bureaus and insist they stop the harassing calls and communications which is also in violation of FRCA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
My mortgage was transfered to Truist Bank for servicing on XX/XX/2021. Was notified all mortgage payments had to be made to new servicer Truist Bank. My payment is principal and interest only as I had opted out from escrowing my taxes and insurance when I refinance with the original lender. In XXXX of 2021 my insurance was going to renew so I decided to shop around as the premium was going to increase. As I shopped around my insurance lapse for a few days as was trying to get a better quote from new insurance company. During this period Truist Bank sent letter to provide proof of insurance coverage otherwise they would force place escrow insurance. I finally was able to find a reasonable quote from insurance company after few days later and sent proof of coverage. After the incident Truist decide to charge for the gap in coverage and I thought the problem was over. I later received letter that Truist will now force place escrow payment and my monthly payment would increase. I have tried several times calling to explain why it happened and have them remove the force placed escrow account but per their explanation that the only way I can remove is to refinance.

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 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I informed CAPITAL ONE of the billing errors on the statement for the month of XXXX. Following the requirements of federal consumer law U.S. Code Title 15 XXXX XXXX, Subchapter 1, part D - credit billing subsection 1666 ( a ) as well as Code of Federal Regulations Title 12, XXXX XXXX XXXX XXXX  ), part 1026, Truth in Lending subpart B, subsection 1026.13 ( b ), I sent written communication to CAPITAL ONE containing the necessary information. 

CAPITAL ONE responded to my Notice of billing errors via written communication which I will provide as evidence, not addressing the billing errors in question and lacking the documentary evidence to support the alleged indebtedness. 

It is my understanding that according to 15 U.S. Code 1637 ( b ) ( 2 ) the creditor must respond to and treat ANY inquiry for clarification or documentation as a billing error and erroneously billed amount. The creditor has not done so and therefore is in violation, as the creditor has not produced the documentary material of their investigation of why CAPITAL ONE has made the determination that there is no billing error which I requested and is required to be furnished upon said request pursuant 15 U.S. Code 1666 ( a ) ( B ) ( ii ) and 12 CFR 1026.13 ( f ) ( 1 ), ( 2 ), ( 3 ). CAPITAL ONE has not clarified ANY of the terms outside of the finance charge. It is understood that finance charges and annual percentage rates are the same according to 15 U.S. Code 1632 ( a ). Any other term they have yet to clarify. CAPITAL ONE is also in violation of 15 U.S. Code 1666d as any credit balance in excess of {$1.00} in connection with a consumer credit balance should be credited to the credit balance. I have notified the creditor and they have yet to credit the account. 

In the 'Notice of billing error, ' I provided the federal consumer law that they are bound to, making them well aware of their violation and criminal implications for wilfully violating consumer law pursuant to 15 U.S. Code 1611 ( 1 ), ( 3 ).

Company response to consumer: Closed with explanation