vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I made a money transfer to a friend using the app Venmo, a PayPal entity. My Venmo account is linked to my checking account at XXXX XXXX. XXXX XXXX had, unbeknownst to me, placed a hold on my account to investigate a potential fraudulent transaction. Due to that account hold, my Venmo transfer failed, and as a result, Venmo froze my account. I was unable to move any of my funds in Venmo out. After speaking with customer service, I was told that if a friend sends me money using Venmo, it would unfreeze my account. I tried this and it worked. However, when I tried to transfer money to friends that I owed, the Venmo app denied my transfer and gave me an error that I was no longer allowed to use my XXXX XXXX account because of the previously failed transaction. I contacted customer service again, and they are requesting a copy of my bank statement so that they can review the statement in order to allow transfers to and from that account. This seems highly inappropriate and intrusive - that a digital wallet company should want to see my private bank statement without logical justification. Even brick and mortar banks would not ask for this due to a failed bank transfer- they would simply wait. a few days and try a third or fourth time. Venmo. has told me. I can redact any information I want except for my legal name, the bank account number, and one successful transaction after XX/XX/XXXX. First, I do not have the ability to redact that information. Second, even if I did, who is to say a curious member of their review team could not unmask that information. It's not right for them to ask me for my bank statement for an issue that wasn't my fault. Even if I was at fault, it's not an appropriate solution. Venmo should allow me to make a third attempted transaction using my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
Ford Motor Credit is showing a late payment ( 30,60 day late ) on all three of my credit reports. The loan was opened XX/XX/XXXX and paid in full by the insurance company. The original loan amount was for {$79000.00}. XX/XX/XXXX & XX/XX/XXXX show to be missed on my credit reports. I spoke with Ford Motor Credit in XXXX of XXXX explaining to them that I was in a serious car accident hospitalizing me for several months. Due to the Corona Virus outbreak being so new and unknown to everyone at the time, everything was shut down. The insurance company was unable to visit the site where the vehicle was towed too in order to confirm the vehicle was a total loss until two months later. Once they confirmed, they paid off the vehicle in full. While being hospitalized during this time, I called Ford Motor Credit to explain the situation. The response given was due to the Corona outbreak, we understand most businesses are closed and will not report any late payments while we wait for the insurance company to pay off the vehicle. This was not the case. They reported the late payment to all three credit bureaus. I called them afterwards and they refused to remove the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: NY

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I filed a complaint with you guys back on XX/XX/XXXX and XXXX in the complaint department said on XX/XX/XXXX that they mailed me the resolution in the mail but as of yesterday XX/XX/XXXX I have not received any response from them and I have emailed her letting her know 3 times now but she hasn't responded to me. So this is a follow up complaint because they again lied apparently since I haven't received anything in the mail from them whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX  services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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:
I have not opened a credit card in over a decade. XXXX keeps reporting false information to the credit bureau saying I have an account in collections. This is not my account and I need this removed immediately

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 2022-01-12 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: NY

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Dear Sir/Madam, XX/XX/XXXX. Good Morning. Happy XXXX XXXX. I am still awaiting on the forms to file a complaint on my student loans. I only owed about {$360.00} on my student loans and I have proof of my balance. I tried to contact Nelnet student loan services about 24 times with no success. My social security # XXXX XXXX XXXX and my e mail is XXXX and my telephone # XXXX, My address is XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX, NY XXXX. Please send me the forms to file a complaint that I applied for since XX/XX/XXXX. Thank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have not opened a credit card in over a decade. Synchrony keeps reporting false information to the credit bureau saying I have an account in collections. This is not my account and I need this removed immediately

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 2022-01-12 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:
I have not opened a credit card in over a decade. XXXX keeps reporting false information to the credit bureau saying I have an account in collections. This is not my account and I need this removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
I have applied for help in paying my back missed payments ( due to forbearance ) with the Arizona Department of Housing. They have monies from the Arizona Housing Assistance Fund Program. The Arizona Department of Housing has been waiting for LoanDepot to complete their onboarding process that they sent LoanDepot. Again LoanDepot has sat on their hands and have done nothing to help me, their customer get back on their feet as they have promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
I am fully aware of my payment history with Toyota financial services. My biggest complaint with this reporting to the CRAs is the fact that I did make a payment in person with cash on XX/XX/2021 that payment is the payment that was in place for the XX/XX/2021 payment. The payment made on XX/XX/2021 was not made on XX/XX/2021 it was received by Toyota XX/XX/XXXX and I am being penalized because the payment wasnt processed by XXXX Toyotas stating that I made a payment on XX/XX/XXXX, I did not make any payment on the XXXX of XXXX. That payment was made on XX/XX/XXXX as there were issues with my bank account. There is nothing in Toyotas terms and conditions that states the process for making a cash payment or payments made outside of XXXX payments. A payment for XXXX was PAID in CASH on XX/XX/XXXX before XXXX XXXX which is my deadline and I provided proof of payment. I am not responsible for processing time from Toyotas payment partners and lack of instructions for those who chose to NOT make payments directly through XXXX. The payment proof is the receipt provide as its postmarked/dated and time stamped with the correct payment date. It took a total of 4 business days to process this payment which I am not liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On my XXXX credit report it is showing a delinquent 30 days late payment for my SYNCB/PPC with account # XXXX however the account wasn't even opened or delinquent for the month of XXXX in 2021. On my XXXX and XXXX credit reports there is no delinquency for that month or date or any 30 day late payment. I am about to go for a mortgage loan and this delinquency that XXXX is deliberately reporting is ruining my credit with this inaccurate information in which I would like this fixed as the payment was on time and the account wasn't even opened then.

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 2022-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I paid collections with the intent the items would be removed they never removed the items they received payments for and I was told they would removed them after receiving the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On my Experian credit report it is showing a delinquent 30 days late payment for my XXXX with account # XXXX however the account wasn't even opened or delinquent for the month of XXXX in 2021. On my XXXX and XXXX credit reports there is no delinquency for that month or date or any 30 day late payment. I am about to go for a mortgage loan and this delinquency that Experian is deliberately reporting is ruining my credit with this inaccurate information in which I would like this fixed as the payment was on time and the account wasn't even opened then.

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 2022-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
My robinhood account was unexpectedly disabled with no reason following. All they said was it was security reason. I have been trying to withdraw my funds since XXXX and keep getting the runaround. I have traded many emails back and forth with promises of getting my account able to with draw money but then no response. I finally get a response stating- Thank you for your patience. Based on the information provided, we will no longer be able to support your account. 


This is a final decision, and your account will be scheduled for deactivation. 


Heres what to expect upon deactivation : Right now, all remaining funds have been reverted back to the source from which they were originally transferred. These funds should reach the sending bank account within 3 5 business days. 

Thank you for your assistance during your account review. We regret these circumstances, but we simply can not facilitate this type of account activity. 

I got this email on XX/XX/XXXX and of course no money has been returned. 

The most recent email states ( XX/XX/XXXX ) - It looks like there was a delay, but can assure you that we are working on getting the funds returned. For additional information please contact the originating bank. Upon the completion of this process your Robinhood account will be scheduled for deactivation. 
I can not get a response of what this refers to or what step I need to take. 

Email back on XX/XX/XXXX with screen shot below states -Right now, all remaining funds have been reverted back to the source from which they were originally transferred into your account from. These funds should reach the sending bank account within 3 5 business days. 

Any funds that continue to arrive into your account will be rejected automatically and sent back to the sender. Your account is now permanently deactivated. 

Please close all of your current positions in your Robinhood account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is reporting these XXXX account XXXX as having a balance and being severely late however the data furnisher is reporting in my account on their website that I am being issued a refund due to the fact that the merchandise was never in my possession and therefore should not be reporting on my credit report. This is a clear violation of the Federal Consumer Reporting Act section 611 regarding the CRA sole responsibility of only accurate and verifiable information and the FCRA LAW 605B which enables this and all reporting that is fraudulent inaccurate and erroneous to be deleted permanently from the credit report. EXPERIAN has violated this law on several occasions and I am seeking damages for lost of wage, shelter and creditability because of the inaccuracy of reporting for the amount of XXXX which account for the several occurrences in which I have had to reach out to Experian regarding this and other inaccurate claims each occurrence of damages of XXXX per incident totaling 25 incidental occurrences.

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 2022-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/21, I paid a person on XXXX titled " XXXX XXXX '' after I discovered a XXXX group called " XXXX XXXX for Adoption '' with the admin 's name " XXXX XXXX. '' I paid the amount of {$880.00} with the promise of a XXXX XXXX being shipped to me on XXXX XXXX XXXX at my nearest airport at XXXX XXXX. We were convinced this puppy existed due to several photos and video verification that he was a real dog. A shipping label was also given to us that tracked the puppy 's locations in-between flights. XXXX XXXXXXXX XXXX day comes and we arrive early at the airport to pick up the puppy at the baggage claim, but no flights were coming in at XXXX XXXX. 30 min after the promised arrival time, I get an email from the shipping service asking for {$1000.00} refundable customs fee to get past the Alabama airport. I immediately questioned this charge and after further discussions, I was blocked by XXXX on XXXX, kicked from his group, and got the shipping number erased from their website. It sucked to realize I was scammed, but I called my bank the same day and filed a scam/fraud claim about the earlier XXXX payment XXXX After 8 business days of waiting, I called and got told they found no scam or fraud and can not return the money. I am extremely frustrated this has continued to be ignored even as the facebook page continues to exist and scam more people.

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 2022-01-12 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: Affirm Holdings, Inc
State: AZ

Complaint narrative:
XXXX is reporting these Affirm account XXXX as having a balance and being severely late however the data furnisher is reporting in my account on their website that I am being issued a refund due to the fact that the merchandise was never in my possession and therefore should not be reporting on my credit report. This is a clear violation of the Federal Consumer Reporting Act section 611 regarding the CRA sole responsibility of only accurate and verifiable information and the FCRA LAW 605B which enables this and all reporting that is fraudulent inaccurate and erroneous to be deleted permanently from the credit report. XXXX has violated this law on several occasions and I am seeking damages for lost of wage, shelter and creditability because of the inaccuracy of reporting for the amount of XXXX which account for the several occurrences in which I have had to reach out to XXXX regarding this and other inaccurate claims each occurrence of damages of XXXX per incident totaling 25 incidental occurrences.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: TX

Complaint narrative:
There are several mistakes on my credit report after disputes still no results or correction has been made speaking with the credit agencies has not done any good as well unfair credit score reflects bad trying to obtain credit or make purchases I uploaded paperwork showing debts was paid but still no results when you ask for proof of and dispute and a consumer send that proof the companies should not have a leg to stand on but all of the credit agencies are not making the correction on the consumer credit report siding with the companies and making incorrect reporting on the consumer reports I have tried making corrections for several years so when you ask for dates there are several

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