vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX I sent {$30.00} ( with an additional {$1.00} fee to PayPal ) to a scammer on accident. I was trying to send a donation to a field scientist conducting research. When I reached out on social media to ask the scientist if they had a PayPal or similar payment app a scam account that looked exactly like the actual scientist 's account replied immediately with their own PayPal email address. Not being aware of this kind of scam I sent the donation and checked the " Friends and Family '' box on PayPal which apparently waives all protections. After sending the money I went back and saw the account was a fake and after XXXX that email address I can see it's being used all over social networks to scam people and has been for months. I contacted PayPal about cancelling the payment or a possible refund, opened a dispute case, and told them all this with pertinent details and they closed my case without any kind of update or solutions. PayPal doesn't let you submit a case specifically about being scammed. PayPal has done nothing in my eyes to remedy this kind of scam is perfectly fine with collecting people 's fees from these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries 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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: PA

Complaint narrative:
We took out a closed end line of credit to do a leak problem in our basement. The total amount of the loan was {$5000.00} which we used all of it. We made an early payment of {$100.00} before we had to make any payments and EnerbankUSA applied it to interest only and not the principal. When I called the company they said that they apply payments to interest only during the draw period. There isn't a draw period since we used the money in total and didn't take out anymore that what we needed. According to EnerbankUSA all our payments will be applied to interest until the interest is paid and then it will start to apply to principal. Nothing in my not indicates this is the case. Item XXXX XXXX Installment loan states " The outstanding loan balance when the line of credit closes will become a fixed rate installment loan.

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 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Premier Account Management
State: SC

Complaint narrative:
This company ( Premier Account Management ) and its XXXX  employee ( XXXX XXXX ) are the epitome of UNPROFESSIONAL and DISRESPECTFUL! I received a text on XX/XX/XXXX being accused of misappropriation of insurance funds and theft of services ( which are all LIES ) and that I needed to contact that company that very day or they would go ahead and file a motion against me the following day. I contacted the number in the text regarding the frivolous lies and was met with a NASTY attitude by XXXX XXXX. He screamed at me while telling me he would " XXXX XXXX XXXX XXXX XXXX '' He repeatedly yelled that I stole money that did not belong to me and would hardly let me get a word in. He also referred to me as a " XXXX XXXX '' ( which I find highly offensive XXXX XXXXXXXX seeing as how I'm an XXXX XXXX XXXX ), he brought up my family members ( living and deceased ) that has nothing to do with this situation, Again, I was threatened with XXXX  and how he would get the Attorney General on a three-way call ( didn't have enough pull to pull it off, lol ). I was also threatened with a lien on the home and they would start foreclosure proceedings. Like I told XXXX XXXX I attempted to pay this company, but I was NOT going to pay them the XXXX they wanted instead I was going to pay them the XXXX I received from the insurance company, because they damaged my personal belongings and property and did NOT deliver on the services that they guaranteed. XXXX XXXX told me to get my debit card out because they would accept the XXXX. I asked for proof/verification, and he said he would send it via email ( NEVER received it ). After thinking about it, I told XXXX XXXX and a XXXX XXXX who was now on the phone that I would rather pay the company directly because I did NOT trust them at all after being berated and demeaned. They told me that was not an option, and they would call the company on three-way to verify that they would not accept the payment directly from me ( which they NEVER did ). This XXXX XXXX  company needs to be STOPPED!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: AL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX. I kept recieving phone calls from a debt collection company named Halsted Financial Services based out of the address XXXX XXXX XXXX XXXX Il. My dad and I have close names. I am XXXX XXXX XXXX and my father is XXXX XXXX XXXX. This debt collecter kept calling so i answered to see who it was. When I answered they never explained who they where or from they just asked is XXXX therre. I told them yes because that is my name. These people then never had me verifiy who I truly was and started giving me personal information from my dad like is SSN address and birthday. Then they started to tell me the debt that was owed. I stopped them and told them they had the wrong XXXX as this was my dad that they wanted to talk to and that they broke federal law by never verifying who i was except my first name. This is wrong in so many waysand needs to be addressed asif I was a complete stranger, they would have given my dads personal information out to them as thre are thousands of XXXX in this world. I do not know how they got my phone number either as the number they called me on is a new number I have not had long. This needs to be addressed and stopped. They keep caling my number even after I told them they have the wronge XXXX. 

Halsted Financial Services XXXX XXXX XXXX XXXX, Il XXXX ( XXXX ) XXXX Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I applied for a received a loan to start a small business. the loan appears on my personal credit. 

I wrote in once before about being unable to advance the payment due date when I make more than one payment. 

I received a {$4.00} invoice in XXXX, despite making 2 payments in XX/XX/2023, XXXX payments in XX/XX/2023 ( cover XXXX, XXXX, XXXX, XXXX ) and 2 payments at once in XXXX ( should cover XXXX and XXXX ). 

I received an invoice for XXXX payment in regular amount. I called and spoke with XXXX, who immediately transferred me to XXXX, when I said I was recording the call as well. 

I was disconnected and reached XXXX who transferred me to XXXX, who transferred me to XXXX, because XXXX could not access the system. 

XXXX said that only car loans advance payments with extra payments. I told her not true, because mortgages did as well. She said my loan will not advance payment. I asked her to show me that stipulation in the loan agreement or what law allows it. I told her that I asked and was told that I could make extra payments without prepayment penalty at the time of application. 
She said there was no higher escalation but conceded that she had a boss and that she was not in the CEO office. I state that was the second untruthful statement made to me. 

When I informed her that I was recording the call, she read a statement of not approving of being recorded and disconnected the phone, despite being told that Georgia and Federal law allows one party consent. 


WellsFargo reports this on my personal credit. If I want my payment date advanced with extra full payments, I have the right to. If they can not point to a law or loan stipulation, they need to honor that right. 

Also, they can not give themselves the right to record conversations and deny that to customers, who have a lawful right to do so under federal and state statute.

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 2023-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Credit Corporation
State: FL

Complaint narrative:
NCC collected 5 x {$6.00} card fees that were not disclosed. Although the company may NOW be charging this fee in the state of Florida, they did NOT in XXXX. Multiple agents with the company confirmed this fee should not have been collected. 

There were sporadic {$6.00} charges attached to payments made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I contacted the company on XX/XX/XXXX and was advised to email XXXX. The company has confirmed my email was received and uploaded on XX/XX/XXXX. I have made multiple follow up calls to no avail. The agents have hung up on me, sent me to voicemail without warning, and simply ignored the voicemails I did leave. The company has made no attempt to resolve this matter. Please review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX has refused to send me verification of the claim against me, validation of debt, contract binding both parties. They have reported inaccurate information that can not be validated. Per 15 U.S. Code 78cc, which emphasizes the importance of valid contracts, along with 15 U.S. Code 1692g Validation of debts and 15 U.S. Code 1681s2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. This company is also in violation of 15 U.S Code 1692c Communication in connection with debt collection.

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 2023-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXXXXXX  an individual claiming to be from XXXX customer service had me send {$160.00} via XXXX  thru capital one. This was done via my phone as they had me log into my checking account to verify it was me to settle a dispute with missing items via XXXX order. They had me download an app where they where able to take control of my mobile phone. I immediately called capital one that same day and file D a complaint with the Federal trade commission. They informed me they would investigate, which would take 10 days and I was admittedly told the funds of {$160.00} would be credited back to my account. Now they said no. I've been fighting with XXXX and capital one since XX/XX/XXXX with doors slammed in face via the phone. The same fake XXXX scammer also debited {$100.00} as they went jnto my XXXX account and placed a {$100.00} gift card using one of my credit cards on file with XXXX in my account payments. The funds that was send thru XXXX  thru capital one doesn't even exist and the number they called from was disconnected immediately. Please help.Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
on XX/XX/23 at XXXX I received an email from Bank of America saying my account was approved and my new debit card was on the way. I did not open any Bank of America accounts. I called the fraud department and they were able to identify that there was a checking account in their financial services department that was opened under my name, social security number, address, but a different phone number. They had to transfer me 2 times but eventually I was able to freeze and cancel the " account '' so there wouldn't be any activity in my name.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my 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 non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: LA

Complaint narrative:
I file a complaint before about this debt for XXXX XXXX XXXX My ex wife and i had a car loan with cXXXX XXXX XXXX this loans was in XXXX. The car motor went out they repossess the vehicles. The station of limitation has expires in XXXX of XXXX i did a debt validation letter to them and they drop the balance to zero on this account .Now in XXXX of XXXX they must have sole this debt to Jefferson Capital Systems because now this collection agency have put it back on my credit report as of XXXX XXXX. This is fraud and i want it remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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