vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
The issue started in XXXX when i made a payment towards my BILLED balance of XXXX i made a payment towards my account which consisted of one promotional purchase that expires XXXX this would have left the remaining balance at XXXX the company applied my purchase toward a unbilled transaction. i called to allocate this payment and a few other payments above my minimum due as per the terms of the account. this would have paid my promotion off by XXXX XXXX the company has not allocated the payments per my request. they are now denying my allocations and attempting to fraudulently charge my account the interest of this promotion. they have also deleted records of my conversations. this needs to be corrected i will not pay what i do not owe. also as seen n the statement they have allocated funds AWAY from my promotion increasing the balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Commencing on XX/XX/XXXX XXXX  I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Company ) which involved me making deposits for a total amount of {$35000.00} from my Wells Fargo Bank account to another Wells Fargo account at the instructions of the scammers. 

Under what is now made clear to be false pretenses, the scammers deceived myself and others to send this amount of money in exchange for a " Done For You '' XXXX business. The services were never accomplished and the scammers behind XXXX XXXX [ XXXX XXXX and XXXX XXXX ] fled with the money to XXXX XXXX. 

I have reached out to Wells Fargo on numerous occasions, each time claiming they are not at fault. 

In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is a scammer or is involved in potentially fraudulent activity. 

Please see the attached letter which provides much more detail. 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 explanation
Consumer complaint received 2023-04-10 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: National Credit Systems,Inc.
State: NV

Complaint narrative:
I filed a cfpb complaint and XXXX  complaint and nothing as happened. I filed several dispute with all three credit bureaus and they did the debts were verified each time I have two debts with National Credit Systems that need to be removed asap. Please see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: AA

Complaint narrative:
On XXXX XXXX XXXX I changed my name to match my IRS records with PayPal from XXXX XXXX to XXXX XXXX XXXX. As a result and without notice, PayPal closed my Savings account. I had a balance on the savings account in the amount of {$320000.00} plus a pending transaction of {$440.00} ( Transaction ID XXXX ) going to the now closed savings account. The {$320000.00} was returned to the Paypal balance, but at this time the {$440.00} pending transaction has not been returned. In addition to this, PayPal informed me that I would not be receiving any interest for the 10 days of the month of XXXX ( XX/XX/XXXX to XXXX ) as a matter of policy. I feel extremely sadden and disappointed by this as no notice was given and now I can't even withdraw my funds out of PayPal to my bank account. PayPal also let me know I could open a new savings account within 3 business days.

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 2023-04-10 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-10 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: TN

Complaint narrative:
Several loans were taken out under my name in XXXX, XXXX, and XXXX of 2022. I am not aware of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: MI

Complaint narrative:
PayPal prepaid card was compromised and I was supposed to get a refund check for XXXX which I never received and PayPal has refused to re-issue the funds which they must also I have trying to reach out to them to resolve it but they haven't returned my letters or rebuttals to them have not been made I just was my money owed to me PayPal prepaid card is still responsible for my funds and all damages via agreement of service

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 2023-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Over a year ago Wells Fargo canceled my auto loan. They never came and got the vehicle and now they want to. Problem is now the truck has lost a year in resale value. The truck also from sitting now has mold all on the inside further lessoning the resale value. They refuse to lower the amount owed. So now I'll be holding more payoff debt than what I would have had they come and gotten the vehicle in a timely manner. I was also one of those who were unable to pay a when there computers went down for almost two weeks. They repossessed my truck and sent it off to auction. Luckily I was able to retrieve the vehicle hours before it was going up on the auction block.

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 2023-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX, Portfolio recovery went to the courts with wrong information. Had a woman come to my last address XXXX XXXX XXXXXXXX XXXX XXXXXXXX Florida XXXX. I tried to dispute this matter and talk to someone. This company still call my phone and was sending threatening letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates ( XXXX ) called looking to collect a debt from my now ex-wife. I have absolutely no debt so I have no doubt that the calls are not for me. 

They have called me from local numbers and the one listed above. 

I have told all 3 callers who I am and to remove me from the call list. Today was the 3rd call. 

I do not associate with my ex-wife at all. None of this debt is mine. The number they call me on is one I had gotten after the divorce. 

This has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: FL

Complaint narrative:
Back in XXXX of 2016, we were finally approved for a VA Hamp modification after the attorney sent XXXX XXXX  several letters due to them denying us. They placed us on a temporary modification for 90 days as it was required. The month of XXXX, XXXX and XXXX were all paid on time, therefore we were given a VA Hamp permanent modification. We paid all of our payments on time yet XXXX XXXX  continues to report I was late all the way to XX/XX/2016 which is incorrect. There was {$16000.00} that were put as a balloon payment in the modification so they were not suppose to be reporting anything late.

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 2023-04-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Processing Services, LLC
State: CA

Complaint narrative:
This company called from ( XXXX ) XXXX and left a message stating the following : We are filing legal paperwork with your county in your state within the next 24 to 48 hours due to an unresolved charge off debt. If you want to prevent any legal filings we are offering an economic hardship settlement in the amount of {$380.00} to pay off your account and prevent any leagl action taking place. For more detailed information on how to take advantage of the settlement opportunity, you can contact our office directly at area code XXXX, that's area code XXXX. Thank you. 

I called the number back and asked for details like the creditor name, account number, date of the loan, and original amount. They could not provide any of the information I requested. I asked them to provide information about their company they said is called, " Global Processing Services, '' a " mediation service '' and they directed me to their website. They do not appear to be licensed and are listed online by many people as a scam trying to collect money for a fake debt. When I asked for their license number they hung up on me. I called back and said I would pay with a check so I could get their address and possibly trace the payment to bring charges against them but they would not take a check, only a credit or debit card. 

I would like this company to be investigated and shut down to stop them from robbing people of money they do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I noticed unauthorized hard inquiries on my credit report. Listed below are the companies and dates : XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRUIST Bank XX/XX/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 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I applied for a BJ 's credit card that is issued through Capital One around the beginning of XXXX. I filled out all of the pertinent information on the initial application. They came back asking for more information such as copies of my drivers license and social security card. They wanted me to mail the info, but I felt uncomfortable putting all of that information in one envelope. Instead, I faxed in the information which was allowed. After not hearing back from the credit card company, I called Capital One on XX/XX/10 to find out the status and they started asking for more information than what was already requested. They wanted my drivers license blown up in size and mailed along with a current bill. However, they never requested this initially. They seem like they are trying to deny my credit card, and are looking for a reason. My credit score is very high and there should not be a reason to be denied. I have never been denied before. The requirements from Capital One seem extreme and not consumer friendly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: EGL US, LLC
State: TX

Complaint narrative:
BMG MONEY REPORTING WRONG BALANCE ON MY CREDIT REPORT, BALNACE IS NOT XXXX TRIED NUMEROUS TIMES TO GET THIS MATTER RESOLVE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The healthcare provider said I owe a debt from XXXX of {$540.00} and {$100.00} that was covered by XXXX. Provider refuses to show an itemized bill explaining charges but demands payment. I don't owe anything because medicaide paid 100 %. I Have been trying to get this removed for years. The provider explained it would be taken care of because it was a mistake from his office but nothing has been done. I have sent in a debt validation letter in both XXXX and XX/XX/XXXX and I have called but no return call.

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 2023-04-12 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: PA

Complaint narrative:
XXXX AND TransUnion are reporting that a have a collections account from XXXX XXXX that belong to me. I DO NOT have a XXXX  XXXX account that is negative. I have an open and active account with XXXX XXXX. My son XXXX XXXX XXXX had an account with them. Please verify this account with documents proving it belongs to me. TransUnion shows this account was opened in XXXX of XXXX, I have been living at XXXX XXXX XXXX XXXX, PA since XXXX, so I know for a fact this is my son 's account. 

Please remove this account as it is unverified and not belonging to XXXX XXXX XXXX. 
TransUnion has already explained to me that me and my son had combined profiles..

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 2023-04-10 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-10 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX  XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, ALABAMA LAW ENFORCMNT : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ALABAMA LAW ENFORCMNT : XXXX, ALABAMA LAW ENFORCMNT : XXXX, ALABAMA LAW ENFORCMNT : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: FL

Complaint narrative:
In XXXX, I closed my XXXX XXXX post-paid account and opened a prepaid account. However, XXXX continued to bill me for the post-paid account. Subsequently, the payment to the account was incorrectly reported as late instead of closed. I called XXXX each month that I received an erroneous statement, was promised that I would no longer be billed for the old plan, but the error was never resolved. I filed a credit dispute report with Transunion on XXXX XXXX XXXX XXXX : XXXX which has been in dispute since that date. XXXX continues to claim that the payment is in default but has not responded to the fact that the bill was for a post-paid account that had been closed. Since XXXX has not responded, I request that the disputed information deleted from my credit report. Transunion has been unresponsive. The following is a list of my payments to XXXX in XXXX : XX/XX/XXXX {$51.00}, XX/XX/XXXX {$51.00}, XX/XX/XXXX {$51.00}, XX/XX/XXXX {$51.00}, XX/XX/XXXX {$58.00}, XX/XX/XXXX {$51.00}, XX/XX/XXXX {$43.00}, XX/XX/XXXX {$43.00}, XX/XX/XXXX {$37.00}, XX/XX/XXXX {$37.00}, XX/XX/XXXX {$37.00}. I have been a customer of XXXX XXXX since XXXX, never missed a payment, nor been late with a remittance. Please correct 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 2023-04-10 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:
XXXX, This is XXXX XXXX, I unfortunately became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation