vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/2023. {$2000.00} was placed on my Venmo account. I linked it up to my business XXXX account. Received confirmation. Requested to transfer money into amount XXXX {$2000.00}. Received email process confirmed at that point XXXX balance of my Venmo. Received email that monies would be received XXXXXXXX XXXX. Than a email stating XXXX deposits will be made. I called XXXX business no deposits etc..no hold etc. 
Than I call a Supervisor at Venmo she can not help me only a processing center I tell her Name XXXX I received email and confirmation and then XXXX told that it takes 5 days when in doubt all email are different then she staes I donot know cannnot help you. I call back they state the same thing I request to please speak to someone noone available so you take {$2000.00} out of my account provide incorrect information I must pay a major invoice for my company than you state you can not help me when in doubt this affect mer and my firm. 
Please see email received Please note this is XXXX as well XXXX XXXX XXXX XXXX on XXXX XXXXXX/XX/2023 Transfer Amount {$2000.00} Transfer transaction ID XXXX Estimated arrival XXXX XXXXXX/XX/2023 Destination XXXX XXXX XXXX You can see the status of your bank transfers by visiting your Account Statement. 

Bank transfers initiated before XXXX XXXX on business days will typically be available in your bank account the next business day, but it can take up to XXXX business days. 

Business days are XXXX XXXX XXXX bank holidays.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I mistakenly initiated a payment for {$2000.00} instead of the intended {$200.00}, and I promptly requested a reversal. Interestingly, the reversal was processed twice on the same payment which means the bank charged me {$4000.00} and claiming they game me free {$2000.00}.

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 monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Comenity is repeatedly calling me to collect on a debt. They call me repeatedly all day long starting at XXXX. On XX/XX/XXXX they called me 9 times and XX/XX/XXXX XXXX times!!!! I feel like I am being harassed at this point. I have kept a log since XX/XX/XXXX. The following is a list of dates and times that I received a call from them. 

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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: RI

Complaint narrative:
I made a payment for my student loan, which posted on XX/XX/XXXX. However, Mohela is not crediting the payment and attempting to charge me a second time on XX/XX/XXXX. I have attempted to contact them through messaging on their website and received no response. I tried to call them but the wait time is ~2 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Capital One Customer Service, I am writing to bring to your attention a series of concerning and, in my view, unlawful actions taken by Capital One regarding an account that has negatively impacted my credit history. I believe that Capital One has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. Failure to Notify Statute of Limitation Expiry : I have recently discovered that Capital One has been reporting an account, ending in # XXXX, as an outstanding debt that I Allegedly owe. However, the statute of limitations on this account has expired, and Capital One failed to notify me of this fact. This action violates the FCRA, which requires creditors to report accurate and up-to-date information. 
XXXX. Ignoring FTC Identity Theft Report : I previously submitted an Identity Theft Report to the Federal Trade Commission ( FTC ), reporting that the aforementioned account is a result of identity theft and does not belong to me. Despite this report, Capital One has continued to pursue collection activities and report the debt as if it were valid. This disregard for the FTC Identity Theft Report violates the FCRA and FDCPA. 
3. Failure to Provide Contact with My Signature : Capital One has failed to provide adequate verification of the debt in question, including the absence of a signed agreement or any other form of documentation bearing my signature. This omission raises serious doubts about the legitimacy of the debt and violates the FDCPA.

4. Unauthorized Reinstatement of Reporting : I also observed that this account stopped reporting at one point but was inexplicably reinstated without any explanation or notification from Capital One. This action raises questions about the accuracy and integrity of Capital Ones credit reporting practices, which is a violation of the FCRA. 

I demand an immediate and thorough investigation into these violations and the removal of the disputed account from my credit reports. It is imperative that Capital One rectifies these matters promptly to avoid legal action. I am prepared to pursue all legal remedies available to me if these issues are not addressed satisfactorily within a reasonable timeframe. 

I kindly request that you provide a written response to this complaint within 30 days, outlining the steps Capital One will take to rectify these violations. Failure to do so will leave me with no choice but to escalate this matter through legal channels. 

I refuse to pay this debt that does NOT belong to me. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
XXXX accidentally took money from my account. I contacted USAA to dispute but they told me they can't dispute pending charges unless they are fraudulent. But once the payment FULLY posted then I could dispute it. In the meantime, I am overdrawn through no fault of my own and can not even buy fuel for my vehicle to pick my kids up from school ( we are in a very rural area ). 

I asked about even disputing it as fraudulent, which it wasn't, if I could get a provisional credit just to have access to MY MONEY to get fuel and they said they DO NOT KNOW when or how provisional credits are applied to accounts. THEY DO NOT KNOW! 

So now XXXX, the same exact day, within HOURS of taking the money from my account, canceled the payment and issued a refund. I see the refund against my account in name only. The pending refund is NOT being included in my available balance BECAUSE IT IS PENDING but the withdrawal that is pending IS against my available balance! 

I have called them back to ask about this and they said because the refund is pending it won't be included in my available balance. But the withdrawal IS! So here I am screwed out of my own money!! I now have to frantically figure out how to get my kids from school!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I didnt authorize any of these inquiries : 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 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 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 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 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 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 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

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 2023-10-10 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: FL

Complaint narrative:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The following accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-10 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: NY

Complaint narrative:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. 

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 


FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

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 2023-10-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. 

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 


FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
Eastern Accounts Systems of Connecticut , Inc has created a faulty account in my name, alleging that I owe them a debt of {$160.00}. According to their claim, they sent me a letter 30 days ago, which I did not respond to. However, I have never received any such letter, nor do I recognize any debt owed to this company. Additionally, they have failed to provide any receipts or proof that I am the rightful owner of this debt, or that they did indeed send the alleged letter. 

To emphasize my stance, I have not made any payments to this company, and I firmly contest the validity of their claim. They have initiated an unauthorized, unverified, and inaccurate request for payment of a debt that does not belong to me. Moreover, Eastern Accounts Systems of Connecticut , Inc has threatened to report derogatory information to my credit report, which is not only unwarranted but a violation of the FCRA ( 15 U.S.C 1681b ). I have never provided consent for this company to report any information to my credit report. Within the letter they sent to me states they have already reported this information to my credit report. 

This situation is particularly troubling as it appears to be a case of identity theft or misuse. I hold Eastern Accounts Systems of Connecticut , Inc accountable for their unauthorized use of my credit and demand that they immediately remove, delete, close, or eradicate any inquiries, accounts, or claims related to this issue from both my credit report and this includes all major credit bureaus such as XXXX, XXXX, XXXX and their business system. 

A certified letter has been mailed to the company today

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Attached is a letter from XXXX XXXX  for proof of payment of the the following credit card accounts listed on my Experian and XXXX credit Report : XXXX XXXX XXXX  # XXXX, {$250.00}, XXXX XXXX XXXX # XXXX, {$330.00}, XXXX XXXX XXXX  {$100.00} and XXXX XXXX {$610.00}. I want Experian and XXXX to make a notation that the accounts are paid off and I want the accounts immediately closed, deleted and removed from my Experian and XXXX 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 2023-10-10 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I did not authorize these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I had a mortgage loan with Caliber Home Loans for my primary home a few years ago. The experience with the mortgage company was the worst I have had and was riddled with unprofessional customer service and deceptive claims, including a guarantee to refinance my loan at a lower rate, only to then be immediately denied denied after verbal and written assurances by the company. 
I ultimately, and thankfully, refinanced my loan with a different mortgage company in XXXX of XXXX. I received, and have, documentation, that my loan was paid in full with a payoff date of XX/XX/2020. 
They did not refund me my last mortgage payment, which went through after the loan was paid off by the new mortgage company, despite my calling and spending hours on the phone telling them that there was an overpayment due to their charging me the last mortgage payment after the payoff. 
A few months ago, I received a letter saying the overpayment checks have not been cashed ( because I never received them ) and I had to complete 2 forms stating that the amount is still owed and I want a replacement check. Both forms were sent five months ago ( attached in documentation ) and I still have not received the {$1500.00} check in overpayment, which is LESS than my original overpayment amount that I disputed with them in XXXX, which was over {$3000.00}. 
To add insult to injury, I have received 3 letters ( one which was sent by certified mail ) stating that my mortgage payments to Caliber Home Loans ( who I have not had a loan with since XXXX of XXXX  ) are delinquent and my home may be foreclosed. 
The letters were received last week and this week ( included in attached documents with dates included ). 
The bottom of one of the letters states it is an attempt to collect a debt.

They also sent me a loss mitigation application.

This company has been utterly unprofessional, inept, deceptive and failed to refund me my mortgage overpayments despite multiple attempts ( by both phone and letter ) throughout my home 's unfortunate but short lived tenure with them and now they are threatening foreclosure on my home for a loan that has been paid in full ( overpaid ) for three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: Chime Financial Inc
State: FL

Complaint narrative:
My wallet was stolen while on vacation in Georgia and was used at XXXX different locations. I immediately canceled the card then filed a police report and a dispute with the bank. The bank then told me that there was no error occurred despite being given a police report and refuse to give me my money back.

Company response to consumer: Closed with explanation