vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Between XXXX and XXXX TransUnion refused to add a credit freeze/ lock on my credit profile. Cause identity theft and fraud.

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 2023-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I was job scammed off XXXX. I was sent a check in the amount of {$4800.00} to deposit on XX/XX/2023 to start getting what I need to start work from home. I purchased a XXXX XXXX for {$1300.00} at the XXXX XXXX. Sent that device overnight through XXXX so that vendor can upload the software needed to get started in the amount of {$230.00} was the overnight XXXX cost. I also XXXX {$500.00} on XX/XX/2023 to another vendor to help with set up cost. I was told I needed to send a cashiers check of the remaining funds of {$2200.00} on XX/XX/2023 for my XXXX XXXX to be set up with software. I sent the cashiers check overnight by XXXX in the amount of {$92.00} on XX/XX/2023. After all these transactions were made the check bounced and was returned on XX/XX/2023. This left me with no help and depleted funds in my account, trying to get a part time job I was left responsible from a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Transunion is up to something or hiding something possibly. I am 100 % unable to generate my credit report, nor unable to see previously generated credit reports. The last credit report and dispute date I remember seeing displayed on the site was from XX/XX/2023, but it was already XXXX at that time and I had plenty more after XXXX which were and still gone without a trace. I called them and explained this, but they didn't acknowledge it at all. They asked for all my information and accessed my report just fine every time I called, but they still never acknowledged me telling each of them that I could not get my report and that everything had been reverted to the past. I can not get my transunion report to generate through annualcreditreport either, but I was able to get my transunion report generated just fine through XXXX using the premium membership... I also have not received a paper report from transunion, then the last time I called them I was hung up on and called back multiple times only to constantly be looped through the automated system confirming my identity over and over and over. I have it recorded each time too as proof.

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 2023-11-11 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I submitted a dispute to Wells Fargo. I was charged for something that was the wrong product and I returned it. I submitted the email sent from XXXX and the tracking for the product I returned. Wells Fargo have not handled my dispute properly.

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 2023-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Specialized Loan Servicing Holdings LLC
State: KY

Complaint narrative:
i'm a victim of identity theft and noticed fraudulent information on my credit report. I will like for this information to be blocked and removed immediately. i never gave you consent to report anything to 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 explanation
Consumer complaint received 2023-11-11 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: TX

Complaint narrative:
I have Experian boost. I pay my bills every month yet they say they can't produce a score due to lack of credit history. 
Really? Just because I don't have any loans, credit cards or the like then why do they show my monthly bills as a way to boost my score? 
This seems like a bogus made up lie to make you think your score will go up using their boost service.

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 2023-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX and XX/XX/2015 Southstate Bank removed money from my construction loan for the installation of a FIREPLACE in the home at XXXX XXXX XXXX SC XXXX The problem is there was NOTHING in the plans for a fireplace and there was NO fireplace installed. I was recently made aware of this because they did same thing involving another home of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I did not authorize capital one to run my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
Account Name : Dept of Ed / NELNET Account # : XXXX Account Name : Dept of Ed / NELNET Account # : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of th consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: LEXISNEXIS
State: NY

Complaint narrative:
Lexis Nexis gave XXXX XXXX a Credit Report on me. XXXX turned me down for XXXX. XXXX said they turned me down for XXXX because of the information on me in the Credit Report Lexis Nexis gave to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Car was paid in full and released from XXXX XXXX but my credit is negatively reflecting an unpaid balance that has been satisfied which is a direct violation of my rights under the FCRA. I have repeatedly disputed this with the credit reporting agencies, who only conclude that the investigation came back accurate and verified, but they never send evidence to support the claim. This has negatively affected my ability to obtain a new auto loan, and is causing great financial distress. There is a current lawsuit against XXXX XXXX, and I demand this false and negative entry be deleted from 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 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Car was paid in full and released from XXXX XXXX but my credit is negatively reflecting an unpaid balance that has been satisfied which is a direct violation of my rights under the FCRA. I have repeatedly disputed this with the credit reporting agencies, who only conclude that the investigation came back accurate and verified, but they never send evidence to support the claim. This has negatively affected my ability to obtain a new auto loan, and is causing great financial distress. There is a current lawsuit against XXXX XXXX, and I demand this false and negative entry be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: AL

Complaint narrative:
Car was paid in full and released from XXXX XXXX but my credit is negatively reflecting an unpaid balance that has been satisfied which is a direct violation of my rights under the FCRA. I have repeatedly disputed this with the credit reporting agencies, who only conclude that the investigation came back accurate and verified, but they never send evidence to support the claim. This has negatively affected my ability to obtain a new auto loan, and is causing great financial distress. There is a current lawsuit against XXXX XXXX, and I demand this false and negative entry be deleted from 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 explanation
Consumer complaint received 2023-11-11 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: MN

Complaint narrative:
I have an ongoing dispute with PayPal. I had some unauthorized transactions that came off my account. 

The company claims I am being refunded, but I have been told multiple conflicting stories. I also would like to mention that the California Attorney General is involved now as well. Now as of late Paypal will not respond to any of my e-mails. 

I need Paypal to explain to me where the refunds are. When I will be receiving the refunds as well. I am attaching several messages from several different departments where Paypal says the case XXXX has been updated from authorized to unauthorized. The only reason I am writing this is because it seems some other agents are not knowledgeable and saying I am not being refunded. None of these are refunded to my account. Not one. Also attached is messages from the merchant that I have never had an account with them. 

Case details Case ID : XXXX Date reported : XX/XX/2023 Transactions refunded XXXX XXXX XXXXXX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XXXXXX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XXXXXX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX  XX/XX/XXXX XXXX Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX CRYPTO.COM XX/XX/XXXX, XXXX - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XXXXXX/XX/XXXX, Payment XXXX PayPal Debit Card Transaction ID : XXXX - $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: SC

Complaint narrative:
To whom it may concern I XXXX XXXX Have noticed inaccuracy of reports from Self/Lead Bank I have made several attempts to dispute this matter allowing myself to get the account Removed I have also filed an FTC report XXXX Prior to this I have filed multiple requests in dispute of the fradulent report and inaccuracies When according to 15 USC 1681 Reports must be ACCURATE with further investigation my reports are also Fraudulent but these reports have inconsistencies with XXXX, XXXX, and XXXX which by law along with 15 USC 1692 ( g ) ( b ) validation of this debt can only be done by the original creditor which is me The Consumer. I can only validate that debt and this debt is not my debt someone had compromised my information and Fraudulently using my identity and with the help of theses agencies I am having a great deal of suffering in regards to this matter. Also in result to this matter these report have become charge off which is illegal to be done after I have asked for debt validation nothing has been done no notices have been sent to me or any evidence of them showing me that this was truly me because they can't produce the information because it wasn't me. I am asking for the immediate REMOVAL. In conjuction to this matter I am seeking monetary relief due to this erroneous reports that are hindering my livelihood and ability to extended myself credit which Is my right under equal credit opportunity act established in 1974 I have sent documents highlighting each error in reports and am seeking Remedy for Each Violation that is stated FCRA 1681. 
Please go thoroughly investigation ton understand understanding the importance of these law and the litigation to properly go through steps and grant me proper relief Thank you In good faith XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I got a letter saying only a partial of the {$700.00} was credited to my charge card and I had a XXXX balance. However, I had PAID all those fraudulent charges so I should have a credit balance. I have tried to call the company and have gotten no return call. 

They sent me a new credit card number the fraud charges were on the old card number

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 2023-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Dovenmuehle Mortgage, Inc.
State: NH

Complaint narrative:
Ive made my payments on time and the mortgage company would add my payments to the principal instead of my mortgage and caused a bad report on my credit to which they said they were going to fix and it hasnt happened. The delinquency show up on my credit to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found
State: SC

Complaint narrative:
My retirement check for {$3400.00} was deposited to my Found checking account on Friday, XX/XX/XXXX. Immediately, the bank froze my account for suspicious activity. I sent several emails about this, begging the bank to lift the freeze. This bank has no phone support on the weekend, which is ridiculous. Finally on Monday, XX/XX/XXXX, they lifted the freeze. Within a very short time of the freeze being lifted, transactions were made with my account to merchants in XXXX and XXXX. These transactions did not go through and were canceled or declined. However, several large transactions ( {$910.00} -- three of them ) occurred the next morning for a merchant in XXXX called XXXX. I immediately contacted the bank and disputed the charges. I asked why the charges for XXXX and XXXX were declined or canceled but the charges for XXXX went through. The rep stated that the system must have detected suspicious activity with them. 
After waiting the 10 days for a decision on my dispute, they simply emailed me and told me my dispute was being denied because I am responsible for keeping my account credentials safe. 

Upon doing further research online for this bank ( XXXX, XXXX, etc. ) I find that this is their standard operating procedure, to deny disputes and put the onus back on the account holder. I informed them that someone got into my account, unlocked my card, and made these fraudulent transactions. It did not seem to matter what I said, they just put the blame back on me. If a bank is FDIC insured, I don't understand how or why they can deny this dispute. I'm not in XXXX. I have no reason to purchase something from a merchant in XXXX, especially for such large amounts! I explained all this to them. 

For the reviews online, Found provides the same canned responses and blames the account holder for not keeping their account secure, so I am not the only one dealing with this type of matter. This is appalling and can destroy someone's life. 

I also don't understand why their system would deny the transactions for XXXX and XXXX but then allow the three to go through for XXXX. I think this is an error on their end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
Car was paid in full and released from XXXX XXXX but my credit is negatively reflecting an unpaid balance that has been satisfied which is a direct violation of my rights under the FCRA. I have repeatedly disputed this with the credit reporting agencies, who only conclude that the investigation came back accurate and verified, but they never send evidence to support the claim. This has negatively affected my ability to obtain a new auto loan, and is causing great financial distress. There is a current lawsuit against XXXX XXXX, and I demand this false and negative entry be deleted from 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 explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Every time the Mortgage company is sold or changes owner I got charged for legal fee 's. My mortgage company changed from XXXX to XXXX XXXX. My payment was for {$460.00}, now they ask {$750.00}. The escrow account went up to {$280.00} becausd they are charging {$3700.00} for legal fee 's. I need to take legal actions against companies like this as they are stealing money from innocent peoples that have no time or money to fight against this corporations. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Hello, I closed my checking account with Bank Of America back in XXXX of 2023. I had a balance amount of ~ {$1300.00}. The bank personnel confirmed me on a phone call and my XXXX account that the bank will post me the checques for my pending amount to my XXXX address. They confirmed me the address, and also said that they have posted the checques. But I never received the checques for my pending amount. When I asked for tracking details, they said that they do not provide the tracking details. 
When I followed up after a month upon not receiving the checques, they admitted that there could be an error from the Bank End and confirmed me that they posted a 'new ' check. 
The above issue happened three times so far, and every time the bank wants me to just keep on calling them to get my funds back. But they are not willing to guarantee any other means to send my pending funds back. 
I sincerely request a legal action against BOFA for such a negligence for past 7 months now. The worst is they are not willing to share any alternate route to send my money back. 

regards, 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 monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Absolute Resolutions Corp.
State: KY

Complaint narrative:
I moved from XXXX to XXXX  and a debt collector is trying to sue me in XXXX  for the XXXX  debt that's time barred in XXXX. Also I have never had a credit account with the amount they say I owe. When I contacted them I asked for proof of the debt and they won't provide it. 
I'm providing the appeal court case number in XXXX  XXXX

Company response to consumer: Closed with explanation