vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
Since XXXX of XXXX I have been trying to contact XXXX XXXX, which whom I have a practice loan to see if they could change my payments from Weekly to bi weekly. Cash flow was slow on my business. Since XX/XX/XXXX I have been contacted via phone and email from XXXX XXXX and XXXX ( I believe is the same people with two different names ) requesting to pay money and I was threatened me multiple times by this person, maybe an investor, in a very rude and unprofessional way. He even asked me to pay {$6000.00} at least to be reconsidered for refinance. I was struggling at my business in XXXX with the cash flow not knowing what was really happening at my practice. I had to take a 401k loan to pay my employees on XXXX weekend after loosing a cruise with my daughter due to funds not available in my Bank Card. I calculated that I missed about XXXX XXXX behind in XXXX. With all of the pressure from the vendors I was expecting my credit card processor, global payments, to disburse about {$50000.00} by the beginning of the month of XXXX as usual. But money kept not been deposited in my account. On XX/XX/XXXX, When we called global payments, Inc, they say my account was on hold since XX/XX/XXXX, th XXXX and they were holding about {$140000.00} from my business due to a lien that XXXX XXXX had place on me. A few days after a received a notification from XXXX in Writing. Not only I was not notify by anyone from the credit card processor about this, but they also send a letter to all of my insurance companies about stopping the EFTs to my account. I immediately did everything from my part so that global payments could release all the funds so that I could pay vendors, employees, etc. Matter was solved by XX/XX/XXXX from my part. 
Until today global payments have not release the funds to XXXX, not have contacted the insurances so they can continue paying for services that I rendered to my patients. 

On XX/XX/XXXX all my employees did not show to work because o did not pay them their paycheck on XX/XX/XXXX as it was due. I had to see my patients with no staff and almost lost the staff and business that took me 15  years to build. 

I want you to take legal action against global payments for breach of contract. They never communicated with me about any hold of funds and keep holding my funds, and the insurances compensations by their inactions and non communications. 

I have been diligent sending them emails and in writing correspondences, to them and XXXX XXXX. After 6 weeks my practice account and financials holds have not been addressed and this is taking a huge toll on myself. 

I have all the emails and correspondence saved. Its a big file. Please let me know if you need it. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: Paypal Holdings, Inc
State: AL

Complaint narrative:
Account was opened in XXXX of XXXX. 
Had a balance high of {$2500.00} Has a current balance of {$1900.00}. 
Last payment was made in XXXX of XXXX from an unknown to me source. 
In XXXX of XXXX I worked with PayPal. Not PayPal MasterCard as they have offered no help. PayPal determined my account was hacked, multiple payment transactions and requests in XXXX of XXXX and early XX/XX/XXXX XX/XX/XXXX XXXX {$180.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX XXXX {$77.00} And others were made from and to this email address. XXXX. From this PayPal MasterCard PayPal reversed them due to finding them being of fraud. 
I spoke with PayPal MasterCard in/around XXXX XXXX and was informed that payments had been made to this account from a debit card ending in XXXX. This does not nor has not ever belong to my husband or myself. PayPal MasterCard refused to look into the ownership of the card or account that made these payments. PayPal MasterCard was provided this email address and within less that 24 business hours after being provided with it closed a fraud case not even investigating this email address. 
Ive never provided identification such as a copy/photo of my id, social security card etc to prove that I even applied for this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had to accept work out of state. I maintained my citizenship while working out of state. I got behind on my mortgage payments and put the house up for sale. The house sold for a quick cash sale with a closing date set. I informed Wells Fargo of the sale and immediate closing date of the cash sale. Wells Fargo refused to allow me to sell the house for {$130000.00} which was more than the amount owed on the mortgage. Within about 30 days the house was foreclosed on and sold at a sheriffs sale. The purchaser was Wells Fargo that in turn sold the property for approximately {$40000.00} less than the cash sale that was ready to close.

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 2023-01-31 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: MD

Complaint narrative:
A XXXXXXXX XXXX  account was made on my behalf, without my consent or permission and it has been created and reported on all 3 credit bureaus. 

My current account XXXXXXXX XXXX  by XXXX XXXX will end with XXXX and XXXX joined a new financial institute or whatever may have been. 

However, we werent informed that a new account XXXXXXXX would be created from this and our old account reported closed on our reports through email. It negatively affected my credit and me buying a home. 
I did not agree, apply or give any personal information for this company to give my information to another company and create and account on my behalf. I want this account removed immediately. It does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: MD

Complaint narrative:
A XXXXXXXX XXXX  account was made on my behalf, without my consent or permission and it has been created and reported on all 3 credit bureaus. 

My current account XXXXXXXX XXXX XXXX XXXX XXXX will end with XXXX and XXXX joined a new financial institute or whatever may have been. 

However, we werent informed that a new account XXXX would be created from this and our old account reported closed on our reports through email. It negatively affected my credit and me buying a home. 
I did not agree, apply or give any personal information for this company to give my information to another company and create and account on my behalf. I want this account removed immediately. It does not belong to 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 2023-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Synchrony Bank has closed my XXXX and XXXX credit card account. This account was in good standing, and I received no notice that it was being closed. The reason they are stating is because of credit worthiness. When this card was active my credit score was in the XXXX 's. After closing the account my credit score dropped at least XXXX points. The credit limit was {$4000.00}. I have XXXX other accounts with Sychrony that are all in good standing. In my opinion, their reasoning for closing this particular account is not valid.

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 2023-01-30 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: NC

Complaint narrative:
Hello, you're currently violating my rights under the law. The IRS describes a charge off as gross or ordinary income and you're currently reporting charge off 's on my credit. Now tell me are all this accounts reporting as debt? This is not accurate of fair information that you're reporting on my credit. Here 's one violation, 15 USC 1681 talks about accuracy and fairness of reporting. Second violation, 15 USC 6801 protects my information of non public personal information and also violation of 15 USC 6802 obligation to respect of disclosure and all this company 's did not provide me this information. They also, never never sent me a 1099 cancellation of debt form. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have violated me. I need this charge off be deleted. I demand that this charge off be deleted from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners
State: CT

Complaint narrative:
In 2017 I was had a 10 minutes ride from my house to the hospital. I negotiated with the ambulance company back then on the price, and we agreed to pay one time the full amount after they gave me a discount. I paid and it was closed as account. 6 years later this XXXXXXXX XXXX XXXX  send e this letter telling me that my account was bought by pendrick capital partners LLC- who never contacted me for anything, and precisely this company has placed the account under collection with XXXX XXXX. 

This is a debt he says, she says. Where were these people 6 years ago? Why I was never contacted by the new company who bought the previous services? 
Please, I need help to stop these greedy thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: MD

Complaint narrative:
A XXXX XXXX account was made on my behalf, without my consent or permission and it has been created and reported on all XXXX credit bureaus. 

My current account XXXX advantage by web bank will end with XXXX and XXXX joined a new financial institute or whatever may have been. 

However, we werent informed that a new account tradeline would be created from this and our old account reported closed on our reports through email. It negatively affected my credit and me buying a home. 
I did not agree, apply or give any personal information for this company to give my information to another company and create and account on my behalf. I want this account removed immediately. It does not belong to 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 non-monetary relief
Consumer complaint received 2023-01-30 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: AR Resources, Inc.
State: MD

Complaint narrative:
This morning I was notified that I had a non paid debt of {$67.00} reported to the credit bureau by A R Resources XX/XX/XXXX. I immediately called them because I knew I didn't have any late payment and I have ( HAD ) a perfect credit score. Apparently the debt is owed by a person with the same name who lives on XXXX XXXX. I see that this company has had over 600 complaints since XXXX and XXXX with the XXXX XXXX XXXX. This is so upsetting and time consuming. Then, I am left to fight this with all of the credit bureaus. Thank you for any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MA

Complaint narrative:
I submitted a dispute with Chime, which ended up losing. The provisional credit I was provided was used and then without warning then charged it all back making my account negative. I can not stress enough that I do not have money for the next two weeks. I was not aware it was going to be charged and I would have planned accordingly. Now, I lost {$300.00} to a dispute charge I did not do, and I can not even go and get gas to get to work because they took my funds without warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: FL

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 - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 All these accounts have 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 non-monetary relief
Consumer complaint received 2023-01-30 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 All these accounts have 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 non-monetary relief
Consumer complaint received 2023-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: LA

Complaint narrative:
I am a natural person and federally protected consumer. On XX/XX/XXXX XXXX XXXX committed grand theft & and stole my XXXX XXXX XXXX in connection to a consumer credit transaction that was entered into on XX/XX/XXXX. This transaction was PAID IN FULL by my SSN and signature pursuant to 15 usc 1602 ( l ) .There is/was no consideration ( 12 cfr 1026.4 ) ( 15usc1640b ) given by XXXX XXXX in the creation of this fraudulent loan only an implicit attempt to extort an exorbitant amount of money from yet another uninformed, unsuspecting consumer. No loan of purchase money was ever given to me by XXXX XXXX only an extension of MY credit. Because this pertinent information, as well as ( 15 usc 1638 ( a ) ( 2A ) ( 3B ) ( 5 ) ) disclosures of amount financed, finance charge and total payments was never given, I have been charged continuously over the last 4 years for extra fees, late payments and repossession fees, all of which should have been included in the finance charge. My rights have been violated over and over from the start by XXXX XXXX. And here I am after loan maturation as of XX/XX/XXXX, out of over {$16000.00}, currently without a vehicle with a clear and free title, and in jeopardy of losing my job due to my vehicle being stolen and held for ransom. A {$4500.00} cash down payment that was said to be required as a condition of acceptance paid by me was already accepted and added to the total sale price as part of this fraudulent contract ( violation of 15usc1605 ( a ), 15usc1692.806 ( 1 ) 807 ( 2 ) ( a ) ( b ) ). XXXX XXXX is alleging I owe another {$2000.00} of which {$1500.00} must be paid to redeem my car or it will be " charged off ''. Documentary evidence will show the original contract with only my signature and none from XXXX XXXX, the entire package of documents given to me at the time of signature at the dealership, as well as my payment history with XXXX XXXX. This is an URGENT matter as they are holding my car hostage. I just want and need my vehicle back free and clear of any liens, my account status reflecting Paid in Full and on time, and either my down payment or twice the finance charge back pursuant to 15usc1640. There was never any debt associated with this consumer credit transaction. The debt only arose after being mislead into signing this fraudulent 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 2023-01-30 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: NC

Complaint narrative:
Hello, you're currently violating my rights under the law. The IRS describes a charge off as gross or ordinary income and you're currently reporting charge off 's on my credit. Now tell me are all this accounts reporting as debt? This is not accurate of fair information that you're reporting on my credit. Here 's one violation, 15 USC 1681 talks about accuracy and fairness of reporting. Second violation, 15 USC 6801 protects my information of non public personal information and also violation of 15 USC 6802 obligation to respect of disclosure and all this company 's did not provide me this information. They also, never never sent me a 1099 cancellation of debt form. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have violated me. I need this charge off be deleted. I demand that this charge off be deleted from my credit.

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 2023-01-30 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: NC

Complaint narrative:
Hello, you're currently violating my rights under the law. The IRS describes a charge off as gross or ordinary income and you're currently reporting charge off 's on my credit. Now tell me are all this accounts reporting as debt? This is not accurate of fair information that you're reporting on my credit. Here 's one violation, 15 USC 1681 talks about accuracy and fairness of reporting. Second violation, 15 USC 6801 protects my information of non public personal information and also violation of 15 USC 6802 obligation to respect of disclosure and all this company 's did not provide me this information. They also, never never sent me a 1099 cancellation of debt form. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You have violated me. I need this charge off be deleted. I demand that this charge off be deleted from my credit.

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 2023-01-30 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: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with experian.

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 2023-01-30 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: IL

Complaint narrative:
Approved for XXXX XXXX on XX/XX/2022, BUT NEVER RECEIVED FULL AMOUNT OF refund OVERPAYMENT. XXXX XXXX has closed and every agency keeps referring me back to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Despite repeatedly telling this company to stop, despite registering with the XXXX and opting out, this pathetic company continues to fill my mailbox with their unwanted junkmail advertisements for the credit cards.

Company response to consumer: Closed with non-monetary relief