vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I made a credit card transaction and they are withhold nearly 50 % for 21 days. I checked my limits BEFORE even doing this transaction and was WELL under the amount specified. They claim I have a " reserve '' in the amount of {$2000.00}. There was never an e-mail sent claiming they were updating any of my limits/placing a reserve on my account. There was nothing in my account stating any such limit, until AFTER said credit card transaction was made. I have the screenshots of my account limit area and there is nothing to be found in this area.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: AR

Complaint narrative:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belongs to me, or that I have signed any agreement. According to FCRA, SECTION 605b, it is the resposibility of the credit bureaus to delete some erroneous records on my credit file. The following items are inaccurate and needs to be remove immediately : 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

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 2023-06-04 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: OH

Complaint narrative:
Your company has violated my rights. Please See attached and address the issues within this case immediately. I am kindly asking for a settlement. 
Let me know if you have any problems accessing the file. There is also pdf/picture versions attached below if you don't want to use the link. Thanks. 
Access code for link is attached below **Please note credit reporting agencies shall not report any item/account that is in ripened litigation/controversy. Failure to remove this unauthorized account will result in a Defamation lawsuit ** Link XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Link expires on : XXXX Regards, 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 2023-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Conn's, Inc.
State: TX

Complaint narrative:
This account was first reported on XX/XX/2019 in the amount of {$1200.00}. The collection agency has harassed me through emails, phone calls and mail. I have disputed this erroneous information but their aggressive tactics to collect have only gotten worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DELETE ALL FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Account was fees was charged, account was frozen a few times.. overdraft fees every other week

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 2023-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My Chase Ritz Carlton credit card offers a reimbursement of trusted traveler programs, and I was notified of this benefit when I received my card. It stated that XXXX XXXX, XXXX XXXX, or XXXX  programs are all included in this benefit for a maximum of {$100.00} every 4 years. I used this card for XXXX XXXX which was posted on XX/XX/2023 for {$78.00}. On XX/XX/2023 I notified Chase via Secure Message that I would like to use this benefit and have the charge credited. On XX/XX/2023 I received a message from Chase stating that XXXX XXXX does count toward the credit and it would be applied within six to eight weeks of the charge. After about 10 weeks there was no credit posted and I contacted Chase several times over the next few weeks receiving conflicting info and am now being told that the credit will NOT be applied, that XXXX XXXX is the only program that counts. This goes against the terms I was presented when signing up for this card and the message I received XX/XX/XXXX. Chase needs to honor their agreement and credit the {$78.00} charge as part of this benefit or they can refund the annual fee paid for this card if they wish to violate the agreed-upon terms. I have been offered to use a separate travel credit for this purchase. That is an unacceptable resolution as I have already planned to utilize that credit for other purchases so this would still be costing me an additional {$78.00} that Chase should be covering separately with the trusted traveler program credit. If they wish to no longer have XXXX XXXX  count toward the credit they must notify cardholders first of this change. My most recent communication with Chase via phone has resulted in no additional help. I keep getting transferred between departments over and over with each representative stating they can't do anything about this issue. Bottom line, on XX/XX/XXXX a representative from Chase confirmed that this charge would be credited as part of the trusted traveler program credit. Honor it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-04 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: TX

Complaint narrative:
In According with the Fair Credit Reporting act XXXX XXXX Account # 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 cannont 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 2023-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo froze my account in 2012 for 7 days after I filed for bankruptcy. Caused me late fees on bills that were due as well as bounced checks.

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 2023-06-04 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
On or around XX/XX/2023 following a telephone call to a phone support specialist, I did fax over the requested documents with respect to my identity as requested. Specially, I advised the account team that my name on the account was incorrect and that such has lead to issues with fraud in the past. Therefore, the documents presented clearly illustrated my identity and as a financial institution the Money Network was/is required to have my true identity reflected on the account and in my name. After faxing over the requested documents, the money network falsely alleged that the documents were never received. Moreover, I have had several identity/fraud alerts since submitting the documents to the Money Network XXXX Based on these facts, Money Network has likely engaged in some type of fraud/identity theft scheme the aim of which is unjust enrichment and/or theft of assets.

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 2023-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VW Credit
State: CA

Complaint narrative:
I was looking at my Volkswagon statement and I noticed some inaccuracies. I do not believe I owe this debt. 

I sent a debt validation letter to VW Credit pursuant to 12 CFR 1006.34 to validate the alleged debt. 

I am writing to you to document the letter being sent. 

I have attached the debt validation letter, and certified mail number below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Had to pay late fees because bank allowed vendors to take money multiple times even though I had no money in my account resulting in over draft fees

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 2023-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have ( 5 ) INQUIRIES on my TransUnion consumer credit report that I didn't authorize or give permission to pull my credit report. 

1 ) XXXX XX/XX/XXXX & XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX I have attached a " FTC IDENTITY THEFT REPORT '' # XXXX I have attached a " POLICE REPORT '' # XXXX THESE INQUIRIES ARE THE RESULT OF IDENTITY THEFT PLEASE REFER TO 15 U.S. Code 1681c2 - Block of information resulting from identity theft You have 72 hours to block this information and it's adverse effects on 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 2023-06-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Mortgage Details : In XX/XX/2006, My late husband XXXX XXXX entered into a mortgage agreement with XXXX XXXX XXXX XXXX on our propertry located at XXXX XXXX  XXXX, XXXX XXXX, CA XXXX. This mortgage included a 2nd mortgage, which was subsequently sold or transferred to Specialized Loan Servicing in the last couple of years. 

Disappearance : For over 10 years, there was no communication or correspondence from any lender. During this period, no statements, invoices, or any form of communication regarding the 2nd mortgage were received. 

Recent Activity : In the past couple of years, Specialized Loan Servicing ( XXXX # XXXX ) suddenly resurfaced, attempting to foreclose on my property. They sent a Notice of Default ( NOD ) and demanded full payment, including interest for the period in which no statements or communication were provided. 

Violation of Law : The demand for full payment, including interest for the period when no statements were sent, is in direct violation of applicable laws and regulations, This is typical of Zombie Loan debtg buyers infringing on Home owners rights. 

Complaint : Unlawful Foreclosure Proceedings : Specialized Loan Servicing 's attempt to foreclose on my property based on a zombie 2nd mortgage that resurfaced after a decade of silence is highly irregular and unjust. The lack of communication and any indication of the existence of the mortgage during this extended period makes their sudden foreclosure attempt unjust and unwarranted. 

Charging Full Interest : The demand for full payment, including interest for the period in which no statements or communication were provided, is a clear violation of consumer protection laws. It is illegal to charge interest on an obligation when the borrower has not been provided with regular statements or communication regarding the debt. When I requestred a copy of the Mortgage note from them to confirm they even own my loan I was sent a copy of my first mortgage note which is highly unusal.

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 2023-06-04 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: VA

Complaint narrative:
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602A. State I have the rights to privacy. 

15 U.S.C 1682 Section 604A 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not have communication with the consumer in connection with the collection of any debt.

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 2023-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Early in XX/XX/XXXX, I accidentally found out that our BoA credit card balance had been charged twice ( back-to-back days ) to our BoA checking account. We called a few times to have the error fixed and, eventually, one of the two balance charges was correctly returned to our checking account. In XX/XX/XXXX, however, the problem recurred ( XX/XX/XXXX and XXXX : USD XXXX ). We called several times and, eventually, on XX/XX/XXXX one of the two balance charges was both refunded to our checking account and yet recharged to our credit card new balance as " returned unpaid '' ( as well as interests and fees ), now nonsensically due on XX/XX/XXXX ). We called again, were told that it would be fixed, but never was. Even worse, the same problem recurred in XX/XX/XXXX ( XX/XX/XXXX and XXXX : USD XXXX ). Once again, we called several times, the balance was returned and yet re-recharged to the new balance of our credit card ( due in XX/XX/XXXX, we believe ). At that point, we looked back ward till the beginning of XXXX and found that, unbeknownst to us, our credit card had been charged twice to our checking account even in XX/XX/XXXX, but on the phone we were told that, after 12 months, that charge was no longer refundable. We even went to our local BoA branch, but were told they have no access to our credit card account and could not help us. This whole 18-month long ordeal is a scandal. BoA, from time to time, charges our checking account twice the balance of our BoA credit card.

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 2023-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Phillips & Cohen Associates, Ltd.
State: VA

Complaint narrative:
On XX/XX/2023 at XXXX XXXX  EDT, I received a call from XXXX. The woman calling said she was with XXXX & XXXX ( who appears to be a debt collecting company if we are to believe their website ). She asked me to confirm whether XXXX XXXX XXXX XXXX has passed away. As this is my father and he did recently pass away, and as my brother and I are managing his affairs, I said yes. Then she asked if I was the executor for my dad, and I said no, that's my brother. She started asking for his information. I asked her point blank who she's representing and what this is about, but she made it sound like some laws prevented her from giving any further details to anyone but the executor. She immediately said, " So what's your brother 's phone number? '' to which I reflexively gave it to her, then immediately regretted it and went to warn my brother. 

About a week later ( XX/XX/2023 ), they had somehow obtained my brother 's mailing address as he received a letter telling him to contact them as they are seeking the executor on behalf of their client, whom they still did not disclose. ( I have attached an image of that letter to this complaint. ) Two days later ( Thursday, XX/XX/XXXX ) I received an email from them telling me to get in touch about the issue. ( I have attached a copy of this email to this complaint. ) My email app suggested that the email was part of a mailing list and gave me the option to unsubscribe, which sounded fishy. Also, my brother and I had already been managing my dad 's affairs been extremely efficient and proactive about managing our father 's affairs, so it seemed fishy. 

I just googled their " XXXXXXXX XXXX XXXXXXXX '' and the word " scam '' and found numerous 1 star reviewers of this company on the XXXX XXXX XXXX website suggesting the same pattern of scammy behavior with other folks who recently lost a loved one : ( XXXX XXXX XXXX ). 

I suspect I hope you can go after these folks and shut them down- this is the ultimate unethical behavior - preying on people who have just lost a loved one - despicable!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: TX

Complaint narrative:
My equifax score dropped XXXX points for no apparent reason I havent opened any new accounts nor do I have delinquent or late payments! 
And they cant explain to me how this happened!!! 
This is keeping me from purchasing a home!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: TX

Complaint narrative:
During the course of checking my credit score report, I found many errors including false information of these collections accounts are not 100 % accurate. This has damaged my reputation in becoming successful as a individual person who wants to purchase a home or car or even upgrade my business in order to hire employees in the future. I indefinitely want the Consumer Federal Protection Bureau to enforce the deletion of these accounts.

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