vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The attached exhibits clearly display each violation of federal law against my consumer rights that XXXX XXXX has committed and if I did not send a cease-and-desist letter on XX/XX/2021, XXXX XXXX would have continued to violate my consumer rights in regard to an alleged debt. I am the original creditor of this consumer credit transaction and am the only one who could validate this alleged debt. This alleged debt is not mine nor does it belong to me but instead my social security number assigned to me as a natural person was used for fed loan services to have a line of credit extended to the corporation. XXXX  XXXX is the debtor/borrower for the referenced accounts mentioned in the attached exhibits. XXXX XXXX XXXX also has been sharing my information with 3rd parties that were not involved at all with the initial consumer credit transaction which also violates federal law. XXXX  XXXX XXXX has caused much pain and hardship for me and my family as consumers and they must be stopped before XXXX  XXXX XXXX continues to violate other natural persons consumer rights. The referenced XXXX  XXXX XXXX account # : XXXX should be deleted from all XXXX of my credit reports ( XXXX, XXXX, Transunion ) and monetary damages detailed in the attached Bill of Particulars should be paid within 30 days of receipt of this demand letter. I hereby state that the information above is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete, and relevant information has not been omitted. If this demand for violating my rights through perjury of law is not acknowledged and rectified upon receipt or within 30 days, I will proceed to file required legal documents along with my legal counsel to pursue this matter within the state/county court that I reside in.

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 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
PRA claims I owe on a XXXX XXXX  from XXXX. The only XXXX I owned was included in my Bankruptcy XXXX XXXX of XXXX. My attorney is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. 

Every time I call PRA I get the run around, this debt was more than likely bought for pennies on the dollar. I'm guessing most of these situations, people just pay. Not me, this will be going to the top.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: SC

Complaint narrative:
These inquires were added to my credit report as a result of attempted fraud.

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 2021-07-07 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: IL

Complaint narrative:
XXXX violated 15 usc 15 usc 1681a ( 2 ) ( B ) and 15 U.S. Code 1681b ( a ) ( 2 ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction I am complaining about. 

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? I XXXX XXXX the consumer never gave XXXX any written consent to report anything on my consumer report. No consent is Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: ME

Complaint narrative:
I reached out to West Lake financial in XXXX of this year ( XXXX ) to see alternative financial options due to income changes brought on by covid and the dealership where I signed a loan of around {$7500.00} on a XXXX XXXX XXXX XXXX on XXXX, XXXX. Currently. The car no longer runs, XXXX continue to pay the outrageous monthly amount which is equal to a brand new car monthly payment with unbelievably HIGH INTEREST! Unfortunately, the response from Westlake financial was more frustrating. I was told, A contract is a contract I was hoping for lower payment amounts at least! I have worked so hard to clean my credit for years, Ive since had to purchase a clunker. Im not rich, Im a graduate student and mom of XXXX receiving XXXX Westlake Financial does NOT care about your hardships! A contract is a contract! Every time I look at my statements it looks like I pay NOTHING! It never decreases by much! 

For example ; Monthly Payment {$220.00} I pay {$85.00}. Interest fees a month Principal {$130.00}

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 2021-07-07 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had an account with Wells Fargo bank. My account was only for XXXX. I got behind on payments and they closed my account. I settled in XXXX and paid them. XXXX. My credit report showed this. But now on my credit report it says that they wrote off XXXX. That is false. I never had a credit card for that amount of money. They refuse to fix anything. How can I go from XXXX to XXXX, XXXX. 
This is messing up my credit even more. I need this to be fixed

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 2021-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: IN

Complaint narrative:
I strongly believe Amerihome Mortgage company is committing mortgage fraud and misusing funds in numerous borrowers escrow accounts. This is the second time in XXXX years my mortgage has fluctuated because they misused funds and are holding me account for their mistake. I received a letter in XX/XX/2021 that I was behind in escrow. I called and the mortgage company assured me since its their mistake that they will correct it and I wont be held accountable. I attempted my payment and they never corrected the issue and expect me to pay for the misused funds. I am a XXXX veteran and I dont pay any property taxes and we switched our home insurance and it went down a significant amount so I am not understanding why there is a negative balance and no one can explain it. The customer service representative said we see this kind of thing all the time and if that is the case Amerihome needs examined closely to find why they cant handle funds properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX New Jersey. I was given a warranty through XXXX XXXX XXXX and financed through Westlake Financial. The vehicle cost XXXX and I put down XXXX on the car. However in XX/XX/XXXX the engine of the vehicle overheated. After contacting the dealership and the warranty company they both refuse to take responsibility and give me my money back and end the contract.

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 2021-07-07 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: TX

Complaint narrative:
I have sent the credit bureau an affidavit of identity theft police report as well as the FTC report listing the exact fraudulent items on my credit report I have sent these documents XX/XX/2021 with still no resolution to the issues I am needing help to get these items off of 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 2021-07-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: CARD Corporation
State: PA

Complaint narrative:
I had XXXX and on XXXX XXXX I paid XXXX XXXX on two transactions 1 ) for {$100.00} 2 ) XXXXXXXX XXXX said they never got the money as of yesterday!! XXXX said they tried to take XXXX dollars and it was returned.So that mean Card.com never paid XXXX the money. XXXX  turn my services off because of it and I ask for a refund of my XXXX .... I call card.com to file a dispute a they don't want to transfer the call to the dispute department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: OK

Complaint narrative:
I filled a CHAPTERXXXX BANKRUPTCY That was DISMISSED and My Mortage was included. But the Mortage company " XXXX XXXX XXXX '' is still reporting the the Reporting Angency 's after 2 years. And they reported XX/XX/XXXX and my BANKRUPTCY was Dissmissed XX/XX/XXXX. It dropped my score significantly! They waited 2 years and false reported knowing that it was dismissed. 

On top of that it is in the law under 15 USC 1681 ( a ) under the exclusions ( b ) that this has to be excluded from my credit report, so how is it that this is even reporting. This is wrong and it is affecting consumers but they don't care.

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 2021-07-07 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: OK

Complaint narrative:
I filled a CHAPTER-XXXX BANKRUPTCY That was DISMISSED and My Mortage was included. But the Mortage company " XXXX XXXX XXXX '' is still reporting the the Reporting Angency 's after 2 years. And they reported XX/XX/XXXX and my BANKRUPTCY was Dissmissed XX/XX/XXXX. It dropped my score significantly! They waited 2 years and false reported knowing that it was dismissed.

On top of that it is in the law under 15 USC 1681 ( a ) under the exclusions ( b ) that this has to be excluded from my credit report, so how is it that this is even reporting. This is wrong and it is affecting consumers but they don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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:
I filled a CHAPTER-XXXX BANKRUPTCY That was DISMISSED and My Mortage was included. But the Mortage company " XXXX XXXX XXXX '' is still reporting the the Reporting Angency 's after 2 years. And they reported XX/XX/XXXX and my BANKRUPTCY was Dissmissed XX/XX/XXXX. It dropped my score significantly! They waited 2 years and false reported knowing that it was dismissed. 

On top of that it is in the law under 15 USC 1681 ( a ) under the exclusions ( b ) that this has to be excluded from my credit report, so how is it that this is even reporting. This is wrong and it is affecting consumers but they don't care.

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 2021-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2021 I created a Venmo business profile, after Venmo advertised that I could sign up for a business profile and make and send business payment for 30 days with " zero fees ''. I am a California-licensed certified public accountant ( CPA ), and my business is bookkeeping and preparing tax returns. 

On XX/XX/2021, a business client ( also based in California ) sent a payment of {$1200.00} USD to my Venmo business profile for bookkeeping services. I have not performed any other activity on my Venmo account. 

On XX/XX/2021 I received an email from Venmo stating : " Your Venmo account has been frozen due to recent activity that triggered some security alerts. 
Please contact us by replying to this email if you have any questions or want to reactivate your account. '' The money my client paid me is trapped in limbo. I can not transfer it to my bank account and I can not return the money to the client. I also can not perform any other activity. 

As instructed in the email, I replied to contact Venmo. However the only response from Venmo was an automated email with links to forums that was of no help. 

I then resorted to the app and found an option to chat with support. After getting the run-around from chat bots for 20 minutes, I was able to connect to a, supposedly, real person, who promptly stated they could not assist and transferred my chat. 10-20 minutes later, I was connected to another supposed human, who also stated that they could not help me or provide any additional information. They informed me that the team that can help will contact me via email within 48 hours. There is no phone number or email address to contact this " team '' - I have to wait and watch for them to initiate contact. 

Today is XX/XX/2021. After 3 weeks, my money is still trapped in limbo. I can not return the money, I can not use the money, and I can not get a straight answer. I would warn anyone to avoid using Venmo because they can, for opaque reasons, cut you off and do real harm to a business that relies on them for their livelihood. Additionally, the advertisement for zero fees is practically a false advertising scam, because the first time I tried to transact my legitimate business with them, it locked my account and by the time it ( hopefully ever ) gets resolved, the 30nday XXXX  fees window will be long gone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 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: NJ

Complaint narrative:
I filed Chapter XXXX Bankruptcy in XX/XX/2020 ( shown on all of my credit reports ) and notifications were sent to all creditors upon my filing and I was legally advised that as the bankruptcy was filed in the month of XXXX and the companies were notified of the bankruptcy filing, creditors could not file any late charges on the account within that month as the matter was now in the Bankruptcy Courts hands. However XXXX XXXX entered a late on my account in XXXX of 2020. I submitted a dispute and the results came back showing it was still not corrected. Other than the Bankruptcy filing, I have never made a late payment to XXXX XXXX and am looking to have this removed from my credit report. All other credit agencies have it noted correctly but XXXX XXXX does not.

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 2021-07-07 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: TX

Complaint narrative:
I have sent multiple letters to the credit bureau regarding the identity theft and fraudulent items on my credit report I have also sent FTC report as well as a police report and a identity theft affidavit signed and notarized I have yet to receive any results from the Bureau. I sent these item XX/XX/21.

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 2021-07-07 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:
I am filing a complaint for an on going issue with Equifax. I have already tried disputing these issues, with no success. They have taken my information and combined it with another women 's information. We are two different individuals, we live in different states, our first name 's are similar but spelled different. It's our last names that really construed everything. Her last name by birth is one that I received in my first marriage back in XXXX which is when our issues both started. I need the Equifax Credit Bureau to do their job correctly. Right now I am unable to use my credit. No loan provider will touch my credit. Due to all the miss information that is there. When an issue like this arises and it causes devastating affects on my Family. I take that extremely personal. I have already been through this with XXXX  who fixed their stuff back in XXXX which took a bit. Also I'm going through this this right with XXXX. I have provided these credit bureaus with all the correct documentation to prove my identity. Yet still they wish to argue and destroy people/ families lives. Please help me Consumer Federal Protection Bureau restore my credit with the correct information ; Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am very concerned about these accounts, which are not mine : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-07-07 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 — Investigation took more than 30 days
Company: Debt Recovery Solutions, LLC
State: NJ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I would like to file a complaint against the collector Capital One Bank USA for violating the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

On XX/XX/2021 I requested Capital One Bank USA to request validation that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay. In response, evidence was never provided. As result, I sent a second request on XX/XX/2021. In their second response, they did not provide any information that I requested such as the name, address, and telephone number of each person who personally verified this alleged account. I inquired about how they verified without showing any proof bearing my signature. 

As a result, I would like for CFPB to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Dear Chase, my name is XXXX XXXX. I open a Chase sapphire preferred card in Chase local branch on XX/XX/2021. When I apply for the card the opening bonus is XXXX UR points after spending {$4000.00} in 3 months. The banker who helped me apply for the card told me I could ask for a bonus offer match if Chase increase the opening bonus after I open the account within 3 months. I also sent a secure email on Chase.com to confirm this is true. 
However, Chase increases the opening bonus to XXXX UR points in XXXX with the same requirement. But when I call Chase to match the bonus offer from XXXX to XXXX, I have been declined as I have been told you don't do the match, even I have explained to him I have been told by the banker and also on the secure email. I would really hope Chase could match the offer as I have been told when I apply for the card, and that's the major reason I decided to open the card at that time. Please help me match the additional XXXX UR points to my account since I already fulfill all the requirements. Thank you!

Company response to consumer: Closed with explanation