vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email from VenMo stating my account had been suspended and I had to upload a copy of my ID. 

Before I even got to do that I received an e-mail within an hour where VenMo notified me they chose to discontinue my service. 

I contacted customer support. On XX/XX/XXXX a customer service representative e-mailed me stating they found XXXX personal accounts for me. If I closed XXXX they'd unfreeze the other. 

I offered to comply but first I'd have to withdraw the funds. As {$340.00} is stuck on this account under this e-mail address and {$0.00} in crypto. I asked them to temporarily unfreeze it or transfer it manually because my account won't let me add a bank account and it won't let me transfer the balance to my debit card on file. 

Then on XX/XX/XXXX the next customer service representative completely reneged on their offer and stated : " Due to several concerns regarding your account activity, we made the decision to permanently restrict your account. 

As stated in our User Agreement, if we determine, in our sole discretion, that you XXXX have breached our terms, that you or your Account activity present risk or security concerns, we may take actions to protect Venmo and our users. 

Thank you for your understanding. 

Regards, XXXX XXXX [ account XXXX ] Venmo '' They completely ignored my request to transfer out my funds and my request to close this account after I received the funds. They also ignored my request to unfreeze my other account as they originally offered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I noticed XXXX transactions on my checking account that I didn't make : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : {$29.00} XXXX immediately informed Chase Bank, canceled my debit card, and requested a new one. I also requested a refund from these fraudulent transactions that were not made by me. 
After an investigation by Chase, they informed me that they believe the charges to XXXX XXXXXXXX XXXX XXXXXXXX XXXX were made by me, but the XXXX to XXXX XXXX was not. They refunded the {$29.00} from XXXX XXXX. 
I requested to see what they described on the phone as " irrefutable evidence '' that I was responsible for the transactions to XXXX XXXX and XXXX XXXX. I requested to see the evidence and responded on XX/XX/XXXX. I sent them a letter refuting their evidence and requested an appeal, which they denied. I pointed out a number of discrepencies, which they refused to consider. These include : An email addresses which were not mine. 
A device ID that is not mine. 
The XXXX XXXX money transfer was sent to someone using my late mother 's name, with the name XXXX added. 
A payout location in XXXX, where I know no one. 
Purchases made on a XXXX computer, I use exclusively XXXX. 

All of this is documented in the letter I sent to Chase, which I have attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I am requesting for the original copy of the agreement & terms and conditions. Failure to comply will forfeit your claims and will require you to delete all of the listed items. You are required to do what Im asking & block these transactions from being reported to my consumer report WITHIN 4 days from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE. 

ONLINE INFORMATION SERVICE XXXX Opened XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX {$730.00} XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX {$600.00} XXXX XXXX XXXX Opened XX/XX/year> {$410.00} XXXX  XXXX XXXX Opened XXXX XXXX {$66.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2024-10-22 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Unauthorized withdrawals or charges — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AR

Complaint narrative:
XXXX Is my original complaint but this also goes along with it because I did in fact forget about a few other things that they have also done.. they have NEVER HAD me agreeing ever to get anything out my mine and my grandfathers account and they did. I have to get the correct amount and date but should have them all by this week. they dont it not once but a few times thats why we also went ahead with checks again cause they was also stating that my payment over the phone did not go through but IN FACT it sure did. XXXX XXXX also is getting involved with this because he thinks this might could be federal and definitely classified under fraud so he as we all are is waiting to get those papers from the bank and to prove they are scamming our family and not just ours so many others. Honestly it looks like I might not be the one thats having to sue for my money, non stop harassment, emotional damages this list could go on so I cant wait to share these PAPERS not only with CFPB but SPS to get the new also involved. In the previous message in CASE number XXXX I thought they never cashed it but look at that date XXXX, when they said they was destroying it [ NOT SENDING BACK ] was a red flag its self but then we seen this last night and just have to upload cause that right there showes you how much weve already paid in just that little of timing and paid 2 times per month even on most so if anything we are over paying and thats probably one of the reason why they want the home.. they got it paid for XXXX 6.600 % and have paid that since XXXX Now its showing on their paper XXXX. no, absurd

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SoLo Funds Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I contacted the company because attempts to withdraw my funds kept failing over the previous couple of weeks. I tried online ( from laptop ) and by mobile app on my phone and tablet. They requested exact error messages and screenshots. I provided them. On XX/XX/XXXX, I received an email from the help desk stating that my problem would now be escalated to their specialized team. On XX/XX/XXXX, I still hadnt hear from them, so I emailed again to inquire. They responded by asking me for the screenshots of the error message. I sent them again. The next day, they contacted me to ask if Id seen their previous email requesting screenshots. I sent them a third time. On XX/XX/XXXX, I reached out to them and asked if they would just mail me a check. On XX/XX/XXXX, they responded by apologizing for the inconvenience and assuring me that they were taking steps to prevent it in the future. They never addressed my request for payment by check. On XX/XX/XXXX, I received an email stating that they were working on it and blamed the delay on the migration process to their new banking system. On XX/XX/XXXX, since I had t heard from them in more than XXXX weeks, I sent an email telling them that I was out of patience and to just send me a check. I didnt get a response. Today, XX/XX/XXXX, I got a pop up notification telling me to log into their app. I did and got a message : your debit card has been verified. I tried to withdraw again and got the same error message. I just want my money. Ive been trying to get it for about 3 months this now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I took a look at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) 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 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was contacted by a company that said that there was a government program that helped with debt consolidation and I would make one payment for 2years I did not make payments to my credit cards for 4 months until XXXX told me that they would not negotiate with them, so I stopped paying the company and started paying my bills. XXXX XXXX had called me and offered me a payment plan and they would not report it to the credit bureau. I made 3 monthly payments of over {$300.00} and they did report it to the credit bureau, as late. I tried disputing with Experian, it hasnt been easy they always agree with me but its still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-22 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly. 
The item in question is a late payment reported by XXXX XXXX XXXX for the account number XXXX The late payment is reported a dated XX/XX/year>, and I firmly believe this is inaccurate for the following reasons : I have always made my payments on time, apparently they have administrative errors Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.

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 2024-10-21 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: IN

Complaint narrative:
under 15 U.S. Code 1681i ( a ), I have the right to request an investigation of disputed information. I am demanding proof of the investigation that took place, including documentation of the permissible purpose for these inquiries and the name of the person or entity who authorized them. If this evidence can not be provided, the inquiries must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express closed my credit card account due to inactivity. They said they emailed me a letter notifying me that my account is inactive on XX/XX/year>. I do not know if I received this email as my emails could only go back as far as XX/XX/XXXX, the account was closed XX/XX/XXXX. 

I was notified by the agency XXXX XXXX that they closed my account on XX/XX/year>. I contacted American Express and they notified me of the email. Since XX/XX/XXXX there were XXXX other emails sent to me from American Express and none of them mention inactivity, they offer other spending measures, balance transfer options, and earning rewards. I wasn't notified of the closing by American Express at all and nothing was sent by mail. There were XXXX emails after the closing on XX/XX/XXXX with special offers. 

My credit score has been lowered because of the closed account, lowering my credit limit, and lowering the average age of my credit line. 

I believe my account was improperly closed. It is very easy for me to use my American Express cards to keep it active if given the chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has 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 an account without my written instructions.

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 2024-10-22 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: TN

Complaint narrative:
Ive been trying to help apply for XXXX XXXX and XXXXXXXX XXXX  XXXX XXXX and they just restricted my account I asked for the requirement I know what I need to

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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 noticed inaccurate information on my credit report. listed accounts needs immediate attention regarding deletion due to fraudulent activity and inaccurate information listed below. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ADDRESSES REPORTED below are FRAUD PLEASE DELETE { does not belong to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX yrs, XXXX mos ) Last payment XXXX XXXX, XXXX Credit limit {$7500.00} { Account is not mine please remove } Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Term 120 months { Account is not mine please remove FTC police report issued to original creditor Creditor Information XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Term 24 months Last payment XXXX XXXX, XXXX { Account is not mine please remove FTC police report issued to original creditor Creditor Information DEPTEDXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term 300 months Last payment XXXX XXXX XXXX { Account is not mine please remove FTC police report issued to original creditor

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 2024-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
To Whom It XXXX Concern, I am writing to file a complaint against Midland Credit Management , Inc. regarding an account in my name with the account number XXXX, for the amount of {$460.00}. This account is the result of identity theft, which I have reported to the Federal Trade Commission ( FTC ). I have already filed an identity theft report with the FTC and have taken the necessary steps to address this fraudulent activity.

Despite notifying Midland Credit Management , Inc. and providing evidence of the identity theft, the account remains on my credit report, causing ongoing harm to my credit standing. I am requesting the assistance of the Consumer Financial Protection Bureau to ensure that Midland Credit Management , Inc. deletes this account from my credit report as soon as possible and that all relevant credit reporting agencies are notified to update my file accordingly.

The persistence of this fraudulent account is unjust, and I am seeking prompt resolution to prevent any further damage to my credit profile. I kindly request that your office intervenes to ensure the removal of this account from all credit reporting platforms. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief