vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: MA

Complaint narrative:
My name is XXXX XXXX XXXX. On XX/XX/2023, I made a shipment for a family member from the United States to XXXX for a value of XXXX dollars with the Remitly application, the money was for express shipping. The money did not reach my family member and they told me later that the money would arrive on XX/XX/XXXX XXXX XXXX in the  XXXX  to my family member, but that was not the case either. I contact Remitly to cancel the transfer, they cancel it and it is the time that they have not returned my money for almost 1 month. They told me that in 10 business days the money would be in my account and this is the date that was not the case, I contacted them and they do not give me an answer, they just ask, they tell me that the money is in my bank and my bank tells me it's not true. My Bank made a claim to Remitly and they don't respond to my Bank either. I sent my account statement to Remitly and they don't give me a solution. Please I ask for your help with this case. shipping reference number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Barclays offered me a promotion to transfer a balance directly to my XXXX XXXX  account. This was requested on XX/XX/XXXX and shows posted on my account XX/XX/XXXX ; however the funds were never received. 
I called on the XXXX to confirm they had the correct routing and bank account number- which was confirmed to be correct. 
A week later, I still did not receive the deposit and called again and was told they would open a case [ ID XXXX ]. 
A week later, XX/XX/XXXX there is still no update and each time I call they transfer me to someone new. 
This balance is showing on my credit report and they can not give me any update as to where it went - nor will they remove it or put a temporary hold against it. 
This is a clear lack of controls and proper governance around client accounts. 
I need this resolved and the transfer removed.

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 2023-05-05 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: AZ

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 {$6600.00} XXXX XXXX {$3700.00} XXXX XXXX {$8400.00} XXXX XXXX {$38000.00} 'Congressional findings and statement of purpose ' 15 U.S.C 1681 section 602 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

'Permissible purposes of consumer reports ' 15 U.S.C 1681 section 604 ( a ) ( 2 ) : In Accordance with the written instructions of the consumer to whom it relates. 

'Reporting information after notice and confirmation of errors ' 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ) : 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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax has knowingly furnished my inaccurate personal information, WITHOUT obtaining my wet ink written instruction to do so. This is in violation of 15 USC 1681B ( a ) ( 2 ) ; a consumer reporting agency may furnish a consumer report under the following circumstances and not other ; in accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: V and H Portfolio
State: CA

Complaint narrative:
Vance and Huffman LLC. Reported an incorrect Derogatory mark on my Credit Report. Which they claimed that was obtained on XXXX XXXX and the companys name is XXXX XXXX! Vance and Huffman Also claimed in the report that was sent back to me by CFPB that they have never spoken to me before. And they sent out a letter regarding the accounts on XXXX XXXX. To my home address and I have yet to receive anything from a business called Vance and Huffman. Especially if its regarding a loan they are insinuating I owe them or XXXX XXXX, yesterday I reached out to XXXX XXXX  directly and was told by a representative that They dont have any information on file that states I owe them money but Vance and Huffman stated that I should reach out to them to give me more clarification. 
But if theres a loan open Vance and Huffman havent reached out to me? Since they obtained the accounts in XXXX we are in XXXX. They should have all my details to reach out to me and talk to me about the accounts I supposedly open. 

Could it be that they dont have my number? Or they dont have documents of my signature on the loans. But they reported it on my credit report that I XXXX owe them money. But they havent reached out to me. Why is that. Its unprofessional and very unethical to not speak to someone about an account that was open using their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was the victim of a blackmail scam in which I sent money via Paypal and XXXX. The blackmailer recorded a video via XXXX and was able to obtain my personal information. The scammers are still harassing me via email and XXXX and claim to be part of an organization. 

I have filed cases with XXXX but have not been able to file a case with Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: GA

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. 

Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : 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 explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
We were involved with the XXXX  XXXX XXXX scam in XXXX  which was the beginning of the problem. During that time XXXX XXXX XXXXXXXX sold my mortgage to Ditech. A loan modification was completed. I was a single parent of young children and had some medical issues which kept me out of work. Mortgage sold again to Shellpoint. A loan modification was in process and I had already made the first payment. I was involved in a near fatal boat accident and spent XXXX weeks in the hospital. Even after 21 XXXX  to save my XXXX  I am permanently XXXX and was forced to medically retire. At the time when I got out of the hospital I immediately called and explained the situation. The mortgage company told me they already canceled the modification, and that they would not help or assist me further. Mortgage sold again this time to XXXX. Now I have a further reduction income due to XXXX and XXXX. I hired an attorney to handle the modification however due to lack of IRS tax returns the attorney is demanding another {$3500.00} to start the modification process all ov

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have been trying to get this Collection off my credit report for months. I have sent in several disputes, and nothing has been done. I have sent in proof that I myself am submitting the request to have this removed. I have filed for a full file disclosure and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I ordered a XXXX Bike in XXXX and a pair of shoes and a mat. They sent the bike and then the mat & shoes later on. They ( XXXX ) in error charged me for whole another bike. i made payments on the one back and to XXXX and XXXX  the error. They said they would correct the error and refund the money. i informed them I was not going to pay XXXX $ becasue I was already paying on the only bike I have. And I only owe for the mat & the shoes. They agreed and said they would fix and notify firm who was the credit company that gave me the loan for the Bike. I started a complaint & dispute with XXXX they said they was working on it. 

XXXX sent a response to me and said as of XX/XX/2023 they have not received a refund and I did not see a refund on my XXXX account. then on XX/XX/2023 they said they said they see the return ad it was credited on XX/XX/2023. I was never notified by XXXX or XXXX of this credit refund all I saw was the XXXX listed on my account. I called XXXX XX/XX/2023 to see what the status was they said they had been sent the refund to XXXX. I called XXXX the same day and said it was true they had refunded them and my balance now was XXXX 3 days later I paid the entire balance off. 

15 days later I got a ding on my credit report from Experian saying this account XXXX falsely charged was 30 days past due and later I got hit with a 60 day past due amount for the XXXX. I disputed with experian, they came back and said XXXX said they are reporting correctly. 
I never was 30 days or 60 days behind as of XX/XX/2023 XXXX representative XXXX said he did not see the refund.to my account I paid it 30 days later and then on XX/XX/2023 and XXXX representative said she see the refund back in XXXX and no one from XXXX or XXXX contacted me about the change. 

I need to have this remove on my credit report my accurate amount was XXXX which I paid. I can never be late on a Fraudulent or a duplicate charge of XXXX. 

Please I need help with this this have dinged my credit score XXXX point just off the 30 days 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 explanation
Consumer complaint received 2023-05-05 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: PA

Complaint narrative:
I never gave Transunion permissible purpose to report anything to my account. They violated my right by reporting inaccurate information pursuant to 15 usc 1681b

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 2023-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX I was paying XXXX a month until XX/XX/2023 they stop taking the payment PORTFOLIO RECOVERY Have put me in collection with 2 accounts!! How can they do that if this company is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 XXXXXXXX. 

In accordance with the fair credit reporting act XXXX, these accounts have violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX XXXX  -a payment of was sent to the wrong recipient. Support was notified immediately. No response was provided until XX/XX/2023. The advice given was that a refund could not be refunded because the transaction was completed on XX/XX/2023. The transaction was actually showing as pending. Support instructed me to request a refund from the ( incorrect recipient ) recipient. I requested the refund on XX/XX/2023, the same day the money was sent. Request was denied by the recipient after 2 weeks of waiting. I've sent refund request again and continued to contact support. The transaction was shown as completed once the refund was declined. The was in a virtual holding spot for several weeks and has not been refunded. Please assist with the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: IA

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 : account # XXXX and XXXX : account # XXXX has violated my right. 

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 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 explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My mother sent me money through XXXX she has a limit of XXXX per day with XXXX XXXX. She accidentally sent another {$790.00} on the same day so we could pay the rent and it said that portion would be sent the following day. XXXX XXXX sent the funds to my bank Truist and when I called to ask why I could not access the funds the Truist representative told me they had the funds but that Truist was going to hold them for 3 business days. I called XXXX they said I had to deal with the banks. XXXX XXXX did what they were supposed and sent the funds on the following day now Truist with absolutely zero reason or warrant had taken it upon themselves to just hold the funds for 3 business days. The submitted receipt from XXXX from XXXX XXXX to Truist said the funds would be available on XX/XX/2023 so now no one at Truist can tell me why they will not release my funds!!! Now I can not pay my rent and my landlord will certainly have reason to charge late fees or start an eviction.

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 2023-05-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX the XXXX I faxed the Fraud department a copy of my FTC identity theft report. I asked to have this account removed because the account is fraudulent. 

I also sent a Identity theft report to the Credit Bureaus to have the block the account from reporting. The credit bureaus blocked the account on XX/XX/XXXX. As of today XX/XX/XXXX XXXX  re reported the fraudulent account. 

I also faxed over police report and a FTC report to XXXX they still haven't removed the fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I called XXXX and XXXX to get a balance letter emailed to me and they said it they could not at the time but yet my balance is at {$0.00}. They stated I have to wait for it. Its been over a week and have not received. I need these off my report. The balance is at XXXX on both accounts. They are not willing. XXXX was for XXXX XXXX  XXXX was for synchrony bank XXXX acct

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 2023-05-05 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I was looking at my credit report and noticed LVNV reporting a collection I am beyond frustrated that LVNV Funding is reporting this account. Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice that I REFUSE TO PAY and for you to CEASE all further communications with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: Cascade CISS Holdings, LLC
State: MD

Complaint narrative:
Erroneous Reporting of Missed Mortgage Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX In XXXX XXXX, my mortgage was transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX  When applying for a new loan, it came to my attention that XXXX XXXXXXXX XXXX XXXX XXXX XXXX my previous mortgage lender, erroneously entered my payments for calendar year XXXX. To wit : A. On XX/XX/XXXX, XXXX approved a loan modification for my mortgage for {$4200.00} per month, which ended my arrears ( Encl XXXX ). 
B. I made monthly payments by the 1st of the month as specified. The payments were made with four ( 4 ) or five ( 5 ) USPS money orders, totaling the entire monthly mortgage obligation. { NOTE : USPS issues postal money orders with a maximum amount of {$1000.00}. } See attached XX/XX/XXXX payment. 
C. However, staff at XXXX chose to assign my monthly mortgage payments, for calendar year XXXX to various sub-categories, as opposed to applying the entire monthly payment as annotated on the monthly mortgage statement. 
D. Subsequently, XXXX staff continued to report to credit agencies as if I was still in arrears on my mortgage payments. 
E. I requested XXXXXXXX XXXX XXXXXXXX, my new mortgage provider, review my calendar year XXXX monthly mortgage payment history and correct the erroneous information provided to the various credit bureaus. 
F. XXXXXXXX denied my request to have my calendar year mortgage payments correctly identified and having the monthly amounts paid-in-full. 

I request assistance in getting my calendar year XXXX mortgage payments correctly identified and having the monthly amounts annotated as paid-in-full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation