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: Paysend US LLC

Complaint narrative:
XX/XX/. I sent {$2700.00} through Paysend, to a family member for a birthday party, XX/XX/XXXX, I put the wrong date for birth date by I number. I asked for an update on my changes. No one stated it was done. On that same date I advised to cancel this transaction. They stated they are working on it. I was told my complaint would take 15 days to get it resolved. 
We are now at XX/XX/XXXX and I still have not gotten my money back. 
I was told numerous times that they have to figure out how to refund my money. I was told by sending messages and complaints everyday and about XXXX a day does nothing to make it happen. 
I can't wait anymore. It should not take this long to get back my money.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXXXXXX Balance : {$140.00} ; XXXX  XXXX XXXX Balance : {$620.00} ; CONVERGENT OUTSOURCING XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX Balance : {$610.00} ; 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 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 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 XXXXXXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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: 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: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permissioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX  XXXX Balance : {$140.00} ; XXXX  XXXX XXXX Balance : {$620.00} ; XXXXT XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXXXX/XX/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 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 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 XXXXXXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
I filed a dispute on inquiry that I dont recognize and XXXX told me that the information must remain on report for two years. I have tried getting this info removed several times now.

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: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I went to get a car from XXXX and ran my credit a total of 30 times, I have them {$2000.00} in cash as a down payment. Three days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan. I want all the banks and lenders that did not go through removed off of my credit. I need XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 3xs, XXXX XXXX XXXX, XXXX XXXX  3xs, XXXX XXXX XXXX, these are just the ones that have come to the house I'm still receiving letters everyday.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I signed up for XXXX service on multiple lines. 3 phones lines, a tablet data line, and a smartwatch line. 

XXXX never provided service on the tablet line or the smartwatch line. I never received SIM cards. Contacting support would lead to them saying they were sending them and they never did. I cancelled the lines. Later I found out they kept the accounts open and were charging them despite me not receiving service and it not being possible for me to receive service since they never sent me the hardware necessary for that to happen. 

XXXX put me in to collections with Diversified Adjustment Service. I kept asking both XXXX and the Collection Company for proof I received any service on the lines in question and they both never have. They can not send proof because I literally never received any product or service despite paying for them. Now they are harming my credit to try to get even more money from me.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Around XXXX, XXXX, I applied for a credit card called XXXX rewards issued by FNB Omaha. On XX/XX/XXXX, the credit card application was approved for a credit line of {$15000.00}. I called in to activate the card, I was told that the account is on hold and that I will be receiving a letter in regards to what needs to be done to remove the restriction. However, I was going to leave the country for a vacation, and when I came back on XX/XX/XXXX, I had received a letter asking for me to send in a copy of my drivers ' license, and my previous year 's W2. I sent it over to them on XX/XX/XXXX, XXXX on XX/XX/XXXX I called them to see the status of my account, I was told that " i have sent incorrect documentation, and that I need to send those documents in after having them notiarized. '' So About a week later I had those documents notarized, and faxed it over to them. However, about a week after that I called them, and they said they have not received those documents and they gave me an email address to email it to them. I emailed those documents to them on XX/XX/XXXX ALL NOTARIZED as they had requested. On XX/XX/XXXX, I called in to find out if they received those documents and if they got a chance to review them, I was told that my account is closed as of XX/XX/XXXX and they gave me no explanation as to why it is closed other than the fact that I needed to send those documents in within 60 days of the receipt of the letter. When I was told on XX/XX/XXXX that I need to send those documents in notarized, I have sent those documents in on XX/XX/XXXX, which is 20 days. I do not understand What is the reason behind their decision as this is the not the first time I am hearing them do things like that. In fact, there are multiple complaints for the FNB Omaha bank for the way they operate when it comes to opening new accounts, and how they close the accounts after requesting and receiving the documents that they " need '' after approving the application initially.

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: 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: LA

Complaint narrative:
Date opened XX/XX/XXXX XXXX XXXX app Additional information Account is in violation 15 usc 1681a Account opened and past due as of XXXX XXXX which is failure to report complete and accurate information. Showing a past due balance on a XX/XX/XXXX as XXXX with XXXX and the balance with TransUnion account is not showing with XXXX at all and XXXX shows open past due XXXX which has a balance of XXXX this is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 I am Also attaching the inconsistencies in the payment history XXXX open past due XXXX which has a balance of XXXX this is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 updated XX/XX/XXXX XXXX shows no account at all TransUnion Showing a past due balance on a XX/XX/XXXX as XXXX with XXXX and the balance with TransUnion this is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 I am Also attaching the inconsistencies in the payment history All three were updated as of XXXX and XX/XX/XXXX Each affect by FCRA LAW does not SHOW COMPLETE ACCURATE AND CONSENT I have given 30days for the investigation to properly be done and i do not believe it has been done and now I am DEMANDING THE ACCOUNT TO BE DELTED AND I WILL SEEK TO EXCERISE MY RIGHTS TO FILE XXXX TO SEEK DAMAGES UP TO 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 2023-05-05 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AL

Complaint narrative:
I went to get a car from Toyota and ran my credit a total of XXXX times, I have them {$2000.00} in cash as a down payment. XXXX days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2023 I realized that there was a collection on my Transunion credit report from Defense Finance & Accounting Services ( Dfas-de/fydc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). I contacted DFAS to determine what this debt was for in XXXX and was told by a representative that there was an error and I actually overpaid DFAS and was owed a refund so they would remove the debt from my credit report and send me a check for the refund. I also disputed the account with Transunion in XX/XX/2023. 
XX/XX/2023 the negative account from DFAS was reported to the credit bureau once again and Transunion validated the account as accurate/remains from my XXXX dispute. I called DFAS and was told that they found another debt in their system so I wouldn't be receiving a refund, but the overpayment was enough to cover the new debt found and that they would request the current debt on my credit report be removed once again but it could take 30-45 days. 
XX/XX/2023 the negative account with DFAS was reported to Transunion once again. I called DFAS and was told that the request to remove the negative account from my credit report was for the new debt that they found in their system and not for the debt that was actually showing on my credit report. I was told that the request would be resubmitted and that it could take 30-45 days to be removed. 
XX/XX/2023 the negative account with DFAS was reported to Transunion yet again and this time I was told by the representative that the request to remove the debt had never been submitted and that she would submit it and send an email confirmation to my personal email address. She sent a generic email that doesn't detail to who she sent the request to remove the debt. I contacted Transunion by phone to file another dispute of the debt. 
XX/XX/2023 and the negative account with DFAS has been reported to Transunion once again. 

At this point I feel it's pointless to contact DFAS about the debt. Over the past 5 months the only thing that changed each month was the status of the debt or the amount owed. This is a debt that I never even had and they are refusing to remove it from my credit file. I am in the process of trying to buy a house and this has greatly hindered that process.

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I went to get a car from XXXX and ran my credit a total of 30 times, I have them {$2000.00} in cash as a down payment. Three days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan. I want all the banks and lenders that did not go through removed off of my credit. I need XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Capital One 3xs, XXXX XXXX XXXX, XXXX XXXX 3xs, XXXX XXXX XXXX, these are just the ones that have come to the house I'm still receiving letters everyday.

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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I went to get a car from XXXX and ran my credit a total of 30 times, I have them {$2000.00} in cash as a down payment. Three days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan. I want all the banks and lenders that did not go through removed off of my credit. I need XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Ally Bank XXXXXXXX, XXXX  XXXX XXXX, these are just the ones that have come to the house I'm still receiving letters everyday.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NJ

Complaint narrative:
For more than 10 years, I have been pursuing Public Student Loan Forgiveness ( PSLF ). Prior to the end of the special waiver period for student loans on XX/XX/XXXX, I submitted two documents : a consolidation request and an updated Employer Certification Form ( ECF ) in order get updated payment count ( MOHELA shows this as received XX/XX/XXXX ). At this time, my loans were transferred from MOHELA to XXXX ( payment received by MOHELA XX/XX/XXXX ) while my PSLF application was processed. For MOHELA, my PSLF form began showing as processed sometime in the last two month and included a note ( now removed ) that " a notice has been sent '' but I received nothing and my calls to MOHELA customer service indicate they don't have this on file. Since that time, I have heard nothing and it has been 6 months since my application. I currently show no payments counts toward forgiveness, so I have no idea how many more payments I have to make. I have made multiple calls to MOHELA and have gotten no additional information other than " everything looks good '' and " it take 90 business days to process. '' No one can tell me my status, how many payments I have or where I am in the queue. This is having a significant impact on my life- I have filed a XXXX tax extension, are my filing decision ( married filing jointly or married separately ) is largely based on where these loans are in the forgiveness process ( my counts ). Along the same lines, I don't feel like I can search for new employment or better opportunities without knowing if I have met the 120 payment requirement or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation