vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure makes unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated by rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/XXXX I pre-purchased a XXXX XXXX for {$5700.00}. This was a purchase for an item that was to be delivered between XXXX XXXX and XXXX XXXX. As time passed and I had not received any updates or information from XXXX, I decided to contact them. To my surprise, XXXX did not answer any of my e-mails, calls, voicemails, or online request forms. 

I began getting worried about a fraud situation, so I decided to start a dispute with Discover Card on XX/XX/XXXX. I submitted all of the e-mails, documents, invoice, etc to the credit card company, and to my surprise, the dispute was denied. 

I contacted the credit card company and they said that they needed some sort of document showing that XXXX did in fact owe me a refund. I explained that XXXX is not responding to any form of communication. I went online and found similar cases with XXXX, where the victims were issued a refund by their credit card company. I sent these cases to Discover Card, and still, my dispute was denied. 

I, as a consumer, feel that I was part of a fraud, and should be protected by my credit card company. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and never ever in any way sign an agrement on. A legal contract is signed by the parties and I did not participate in any of it. More so they didn't folow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I am entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: CA

Complaint narrative:
Fore recent XXXX weeks, I could not access myloancare website ( this is my mortgage company, I am homeowner ). Their customer service can not ve reachable ; and they did not provide any email saying their website is down or any instruction regarding website down. Morgage due date is XXXX, which is few days later. I would like to pay my mortgage monthly payment, but there is no way I make payment since myloancare website is down for few weeks.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The social security number is wrong and belongs to my daughter named the same as me, but with different middle initial. The experian credit report will not change the report and it remains the same. When calling the reps take your information and can not be trusted to be confidential and they may keep your information to use later

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 2023-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, registered under the email address XXXX. I firmly believe that this limitation is the result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for a significant duration, I have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and reliable relationship with PayPal is of utmost importance to me, and I am fully committed to addressing any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request that PayPal conducts a comprehensive reevaluation of my case, examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will uncover an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only relieve my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process expeditiously. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: TX

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.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I will continuously dispute the negative close accounts that were reported on my credit report : 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 XXXX XXXX XXXXXXXX has been declared as current since XX/XX/2022. However, I have observed that it continues to be reported by other credit reporting agencies. 

Moreover, these 2 collection accounts have no resolution until now. I have not received any communication or information about the validity of the alleged debt that these collection agencies have been continuously reporting.

I am seeking clarification on why this discrepancy exists and request the immediate removal of this inaccurate account from my credit files. It's my understanding that this matter has been addressed, and I expect that the relevant updates have been made accordingly.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I will continuously dispute the negative close accounts that were reported on my credit report : 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 XXXX XXXX XXXXXXXX has been declared as current since XX/XX/2022. However, I have observed that it continues to be reported by other credit reporting agencies. 

Moreover, these 2 collection accounts have no resolution until now. I have not received any communication or information about the validity of the alleged debt that these collection agencies have been continuously reporting. 

I am seeking clarification on why this discrepancy exists and request the immediate removal of this inaccurate account from my credit files. It's my understanding that this matter has been addressed, and I expect that the relevant updates have been made accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian continually sends me these stall letters and they refuse to process my disputes and its been going on for quite sometime and I am sick and tired of it and it needs to stop and Experian is not throughly invitagating my disputes and they fail to let me know what their method of invetagation was they are not checking for complete accuracy or completeness Its an account in question that Experian continually comes back as verified but its missing part of they payment history and its listed as an unsecured account but it reporting I made payments from a savings account that would make it an secured account and they are commiting fraud saying I made payments and I have never made payments on this account

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA

Complaint narrative:
I hope this letter finds you well. I am writing to express my serious concerns regarding what appear to be violations of security regulations by your company. It is with great disappointment that I must bring this matter to your attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Well XXXX XXXX  my whole tax refund of XXXX was deposited from XXXX XXXXXXXX XXXX XXXX XXXX into A fraudulent PNC bank account. I never had a account at this bank so XXXX XXXX I called the irs and they gave me the account information and was informed to reach out to PNC bank because they have my funds. I then went into a pnc branch with all my personal information and opened a fraud case then made a police report about the event. I am requesting my deposit be sent back to XXXX XXXX XXXXXXXX XXXX XXXX XXXX so they can mail my return via cashiers check but pnc is not giving me any information due to me not having a bank account with them but they have my tax refund which is in my name. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TRANSUNION LAWSUIT XXXX, PLEASE FORWARD TO LEGAL DEPARTMENT. 
I am providing my Schedule Fee of Intent for the damages/rulings of the most recent Transunion lawsuit XXXX XX/XX/2023. I am asking CFPB to supply the invoice ( done in good faith by CFPB ) according to the fee schedule violations, ruled by the court for such awards/fees to be credited via check, Immediately. Sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Pay to the order : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
My account has been placed into administrative forbearance because they havent processed any requests for IDR on my account and MOHELA continued to charge interest. I also submitted employment certifications for PSLF during the special waiver period and was within a few years of forgiveness. I consolidated my loans and my eligible payment counts have disappeared and have not been corrected. It appears on my account that they have been reset to XXXX. It was my understanding that with the special rules, after consolidating that my payment counts would not revert to XXXX  for PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Account has been closed by the bank, but they will not release my funds. Bank has also placed my funds as pending withdrawal for 7 days and counting, therefore I am not accruing interest either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
This agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: CA

Complaint narrative:
I can not believe I had to request a new card, and you had the one that has been compromised open and still accessible. This is an instance. This still needs to be resolved, the balance removed, and a new card account number issued. 


I ( XXXX XXXX ) sent the email below a week ago, thinking my account was handled as it was at that time. I then got a message the case was closed, but I was responsible for a balance transfer, and they added that back to my account. This is not our balance transfer ; again, fraud was on this account left and right, and you keep closing it, opening it, and allowing fraud. None of the charges, including balance transfer, are my responsibility. This was already over, and you cleared it, but now you have added it back. I have your letter stating this is not my responsibility and would be corrected with all the credit bureaus, but that still needs to be done. The balance transfer needs to be removed. This is not mine and does not belong to me. You had it removed and now added it back. I have sent the hospital stay and XXXX XXXX documents under my care, and I was incapacitated during that time. I had no way for this to occur, which was not ours. You issued the proper credits but recently added the balance transfer, which needs to be removed. We received what we now understand was a fraudulent text message claiming to be Wells Fargo and that the account was hacked or used at that time. It has been past the allowable time to resolve this issue, and I was told it was decided numerous months ago, but it has not been. I was told a new account and card would be issued. 

Please confirm this has been done. I have been in the hospital and will be until the next month. I would like to know if this is handled and resolved before then. 

The violations are still occurring, and I'm receiving collections, letters, and emails for balances that are separate and continue messages. If unresolved, I have reported the violation to CFPB and will report it to the Federal Reserve. This has gone on long enough now and needs to be handled better. I have been a loyal and longtime customer, which has been a challenging and stressful situation that I feel has been mishandled. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please update my credit report to one name and address only. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX as I have disputed all other information as it being wrong and for months it still has not been successfully updated as I am constantly told that names that are not mine nor addresses mine, apparently are correct on my credit report. THEY ARE NOT!!

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 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NEW YORK COMMUNITY BANCORP INC
State: AZ

Complaint narrative:
exact dates and times etc. are not accessible. NYCB personnel are rude and extremely arrogant. absolutely most ridiculous banking experience ever. I opened a new account about 10 days ago. The sign-up process was long and excessively invasive but I persevered and they accepted my initial deposit. About a week ago I could not Log in online or mobile app. I was unable to contact anyone to find out why so I used a Secured messaging to inquire what is problem. XXXX days ago I receive an e-mail requesting a signature validation... So I did it. Yesterday I receive an e-mail stating signature accepted and locks have been removed. Great... not. I was never notified any " locks '' were in place to begin with. AND they lied... I still have no Access as of now today, so after one customer service hang-up, second phone call I was informed I should wait XXXX months to close my account in order to avoid a {$30.00} early closure fee! Please look at the massive pile of complaints online. I was unaware til I started questioning why was I experiencing the worst banking interaction ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
After the previous complaint filed yesterday, spoke with the branch manager again XXXX today. Now, were told for the 100th time they want additional phone numbers to verify check deposit again after already verified multiple times. Spoke with the owner of the company and hes explained the check has been verified on multiple occasions as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I sent a certified letter to Experian along with verification of my identity ( drivers license and a utility bill ) advising them that my personal information was inaccurate and needed to be updated. Experian has XXXX different names on my report and only XXXX of them is me. All XXXX of the other names are either names I have never had or are just misspelled versions of my name. I also requested to have my address information updated because they have XXXX different addresses listed and only XXXX of them is accurate. I am concerned that I may have been a victim of identity theft and would like assistance from the Consumer Financial Protection Bureau.

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 2023-11-28 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

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