vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HoldCo LLC
State: MN

Complaint narrative:
We are filing a formal complaint against Bitcoin depot and the companys handling of a fraud complaint we filed. I believe this company is profiting from fraudulent activity and allowing their product to be easily abused by criminals. Their dispute policies are deceptive and unreasonable. Providing 5 days to complete an overly burdensome dispute process is not consistent with dispute processes required of other financial products. Had this transaction occurred using a regular ATM - she would have 60 days to dispute the transaction and be protected under Regulation E. While I fully realize bitcoin is not covered under Regulation E, I draw this comparison as a point of reference to industry best practices for consumer protections. The delta between 5 and 60 days shows a clear disregard for protecting consumers.

This company 's product is being placed in obscure locations with limited to no controls to identify potential fraud. My mother was able to conduct two transactions with multiple phone numbers while on the phone with the fraudsters at a gas station ( instructing her how to conduct the transaction and providing alternative workarounds to limits ). She is XXXX XXXX XXXX. How likely is it that a XXXX XXXX XXXX woman would enter a gas station to buy bitcoin while on the phone? I would suspect if we were to obtain footage from that gas station- we would see a number of elderly people enter that gas station while on the phone and deposit large sums of money. I would further encourage any investigation of these ATMs to look at footage of images captured from these ATMs to identify those individuals that are on the phone while conducting transactions. If images are not captured at these ATMs and reviewed by their fraud department, this is a willful blindness to the activity occurring with the companies products. 

We request that Bitcoin depot reconsider the refund of all fees associated with her transactions. We believe we appropriately reported the claim within 4 business days of the transaction. However, the company 's policies are burdensome and unclear. Furthermore, we request that any regulatory agency reviewing this complaint review Bitcoin depots policies and procedures and where appropriate require the company to enhance the oversight of their products, including enhancing the consumer protections offered for disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX : Claim Notice Discrepancy in Billing Address ACCOUNTS- XXXX, XXXX, XXXX AND XXXX XXXX XXXX XXXX Dear American Express XXXX XXXX I am writing to address a discrepancy regarding the name on the billing address associated with my American Express account XXXX As per the terms and conditions outlined in our agreement, I am hereby providing you with a claim notice to rectify this matter. 
Claim Description : Upon reviewing my billing statement, I noticed that the name on the billing address differs from the account name, which is represented in all capital letters. This inconsistency raises concerns regarding the accuracy and integrity of my account information. 
Specific Relief Demanded : * Immediate correction of the billing address to reflect the accurate name associated with the account in all capital letters and the lowercase letter name.

* Assurance that future billing statements and correspondence name will accurately reflect the account and correspondence letters to prevent any confusion or discrepancies. 
Notice Information : * Name : XXXX XXXX XXXX human benefactor to XXXX XXXX ACCOUNT HOLDER. 
* Address : XXXX XXXX XXXX, XXXX XXXX, NC XXXX * Phone Number : XXXX * Last 4 of Account : XXXX I understand the importance of maintaining accurate account information for both parties involved. Therefore, I urge you to address this matter promptly to ensure the integrity of my account details. 
Please acknowledge receipt of this claim notice within [ 10 business days ] and confirm the corrective actions taken to rectify the billing address discrepancy.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXXEnclosure : Copy of Billing Statement Showing Discrepancy This claim notice will serve as a formal request for corrective action regarding the billing address discrepancy, and it provides clear instructions on the specific relief demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my credit report and noticed accounts that I am not liable for the debt and do not have contract with these credit agencies. 
1. XXXX XXXX 2. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. 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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed my credit report and noticed accounts that I am not liable for the debt and do not have contract with these credit agencies. 
1. XXXX, XXXX  2. XXXX XXXX XXXX 2. XXXX XXXX XXXX  3. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The collection company LVNV Funding llc. Is trying to collect a debt from XXXX that was settled

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting 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: WI

Complaint narrative:
There is an inquiry listed from XXXX XXXX from XXXX  that I do not recognise listed on all three of my credit reports from XXXX XXXX and Transunion.

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : RESURGENT LVNV FUNDING Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A.
State: PA

Complaint narrative:
In XXXX of XXXX, I contacted PNC Bank via mail to the address listed on PNC 's website in order to request SCRA benefits since I was on an XXXX XXXX XXXX  dating back to XX/XX/XXXX and SCRA benefits were not applied to my PNC Bank credit card. 

In XXXX of XXXX, I wrote to PNC Bank using their instant messaging chat tool. I was told that my benefits request was received but not applied. 

In XXXX of XXXX, I once again contacted PNC Bank via their secure messaging portal to request an update on my SCRA processing. 

To date I have not received SCRA benefits and previous benefits have not been applied. The XX/XX/XXXX message below summarizes my complaint. 

" Previously in XX/XX/XXXX, I submitted an SCRA request due to a call to XXXX XXXX from my XXXX  XXXX. However, I have yet to receive benefits. In XXXX of XXXX, I was told that my request was received. I fully understand staffing and workload. But the intent of SCRA is to provide relief during the periods of XXXX XXXX. Not following XXXX XXXX or some time in the future. The delay caused by PNC defeats the purpose of the Act which is to enable service members attention to duty while on service orders. This is not an eye friendly to those who dropped their affairs to answer the call. Soon the current set of orders will be at an end and I have yet to receive benefits afforded. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Ive told them what the correct name is and they fixed it on my personal member account. However, they still have it wrong on my personal credit report. The message I receive every time I try to receive my credit report. Sorry, we can't show you today 's 3-bureau report. 
This might mean that XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. Since XXXX XXXX this has been effecting me.

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 2024-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX IS from XXXX XXXX in XXXX NC, financed through ALLY Bank. The representative told me about a warranty that would be beneficial due to the type of car I was purchasing. And that if I didn't want to keep it I Could cancel anytime and get refund. I told him I didn't want the warranty included in my payments so could I purchase it separate with my credit card. I was told yes. Warranty was {$3200.00}. When I signed the contract I noticed the amount {$3200.00} included in the finance charges but he assured me it was not included in the payments amount, it was just listed to show I have it. Fast forward 7 months later ( XX/XX/XXXX ) I totaled the car. I cancelled the warranty but instead of the Warranty company sending me my refund they sent it to Ally Bank, whom had already been paid from my insurance company ( XXXX ) in full for the car. When I reached out to Ally for my portion of the warranty refund they refused to give it to me, saying it wasn't including in the total lost amount that my insurance company paid. My balance was at XXXX $ after XXXX paid them. So I'm not understanding how they kept almost {$2600.00} of my money

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 2024-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
One main financial had me buy insurance in order to get the loan and when I paid it off I never got a refund for the difference I want to be part of the lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian XXXX XXXX has been violating my consumer right i mailed them a certified letter notary letter on removing late payments due to XXXX XXXX which is a violation of 15 USC1681i ( a ) ( 7 ) on XXXX TRACKING NUMBER XXXX under the cares act law i was granted a payment accommodation per Section 623 of the FCRA account has to now report as current. They have yet to respond or sent any updated credit response in reasonable 30 day time for the past 7 months i have all tracking receipts for these times im asking them to do what is by law and update my information to current.

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I attempted to reach out to credit bureaus to remove the improper items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OR

Complaint narrative:
My student loan servicer is Nelnet. I have been attempting to log into their website to download information that I need to file my income taxes. There is an error with their login system that prevents logging in : every login attempt results in a Username/Password mismatch even after confirming the using name with their system via the " Forgot Username '' process and resetting my password via their " Forgot Password '' process. I even waited for several days after resetting my password to see if a new password just needed time to work it's way into their system. Still no progress. 

I contacted them via email for help with this issue and have not received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : ONE MAIN Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Omega RMS, LLC
State: CA

Complaint narrative:
I requested that RMS OMEGA send me a copy of there bond proving there allowed to collect a debt in my state. As well as method of verification and verification of this account. I spoke to multiple representatives who tried to use deceptive tactics into falsely verifying this accounts and they provided no method of verification or any documentation that was requested pursuant to fcra or usc, ucc laws

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Ive contacted PayPal atleast 6 times now with emails and chats and all my claims are being denied. My account was hacked, I had money sitting in my account and it was transferred to a prepaid card that was added and removed within minutes. I have screen shots of emails from this as well as my activity log. If you look at my activity you will see that Ive had the same card and bank information this whole time except for that day. They attempted to add 2 different cards multiple times. I contacted PayPal after I got on to stop them and they removed my bank information so I couldnt transfer MY MONEY. I just opened this account and I had to wait 21 days to touch my money because PayPal wanted to make sure I wasnt a scammer but I was scammed in minutes. Someone hacked my account in minutes and PayPal couldnt detect that? And youre still saying that its consist with my transactions? In my activity I Log on my XXXX, which is recognized. they used a private browser that day, multiple times and used a prepaid card for 3 transactions to withdrawal my money, then removed their card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
They have called incessantly. I have tried to keep up payments however I was admitted into a facility XX/XX/XXXX until XX/XX/XXXX discharged approximately a month ago for my XXXX  XXXX. Ive tried explaining that the calls are detrimental and I will make a payment as soon as I can. They do not stop calling. 
From XXXX XXXX they called 11 times From XXXX XXXX they called 33 times. 
From XXXX XXXX they called 24 times and the day ( today is XX/XX/24 ) is not over.

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hey hope all is well, I just viewed my recent credit report from XX/XX/XXXX and I discovered some inquiries, accounts and public records that I did not authorize and also have no connection to me, I have also attached the evidence in accordance to these erroneous claims. I am a victim of identify theft and would like these stated inaccuracies that have no permissible purpose to be on my report removed. All inquiries and accounts and other erroneous reports should be removed due to violation of 15 USC 1681b.

According to 15 USC 1681 : As the consumer I have the right to privacy and I did not give XXXX or ANY other bureau written permission to furnish these accounts. Also information furnished needs to have " Maximum possible accuracy '' XXXXXXXX XXXX  TransUnion 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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hey hope all is well, I just viewed my recent credit report from XX/XX/XXXX and I discovered some inquiries, accounts and public records that I did not authorize and also have no connection to me, I have also attached the evidence in accordance to these erroneous claims. I am a victim of XXXX XXXX and would like these stated inaccuracies that have no permissible purpose to be on my report removed. All inquiries and accounts and other erroneous reports should be removed due to violation of 15 USC 1681b. 

According to 15 USC 1681 : As the consumer I have the right to privacy and I did not give XXXX or ANY other bureau written permission to furnish these accounts. Also information furnished needs to have " Maximum possible accuracy '' XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not authorize hard inquiry from XXXX XXXX XXXX dated XX/XX/XXXX. I contacted XXXX XXXX XXXX about it right away when I got alert from XXXX Credit bureau. I believe, I am victim of identity theft. XXXX XXXX XXXX said they sent request XXXX different times ( first in XX/XX/XXXX, second time XX/XX/XXXX and third time in XX/XX/XXXX ) to all credit bureaus to delete the inquiry. So far only XXXX has updated my record by deleting unauthorized hard credit inquiry. Contacted XXXX and Equifax to dispute via phone and online with no luck and denying that they have not received any deletion request from inquiry originator.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: UT

Complaint narrative:
I bought a XXXX XXXX XXXX card at XXXX on XXXX XXXX 2024. The balance loaded was {$500.00}. I can see that the card has a balance of {$500.00}. However, when I try to use it for online purchases it keeps getting declined. I have tried XXXX different websites. 
Tried calling the XXXX number on the card ( XXXX ). It is not possible to reach a live person and no option to file an online complaint for this problem. 
I have only tried to spend {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally Financial was a company that I had a car loan through for XXXX  years until I paid in full in XXXX. I received a letter of congratulations I was never laid on a payment. Now in XXXX, I received an update from my credit score that it dropped XXXX points because of a change in the system that this company did. I reached out since XX/XX/XXXX XXXX  repetitively every month and was told that it was under investigation and that they had XXXX calendar days to get back to me they never did get back to me and my credit score keeps dropping because of this company. The last interaction I had I was hung up on by a representative on XX/XX/XXXX after being told they have XXXX  days to review and if I keep calling they will keep hanging up on me, I unfortunately had a XXXX XXXX  and need my credit score to remain in good standings as I worked hard for this and will need to relocate in the very near future. I had a XXXX credit score that has now dropped XXXX points because of this company.

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