vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/ I sent money to a recipient through Venmo in the amount of {$300.00}. I selected their payment protection service, that indicated it provides protection when purchasing a good or service. It did not clearly indicate the funds would be held for 21 days. In their fine print it does indicate they may place a hold on funds for certain reasons but does not specify any time limit - let alone a 21 day on funds. During this time Venmo has retained possession of the money, undoubtedly using it for financial gain for their company. They will not provide me any information on when and if the hold will expire or reverse it at my request. Both I and the recipient are at their mercy until they decide to release my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
On XXXX XXXXXXXX XXXX, I was approved for a loan by Citizens XXXX to cover the cost of items I personally purchased from a merchant by the name of XXXX XXXX. Days later, I received my order from XXXX XXXX, but I noticed that some of the items were missing so, therefore, I decided to contact the merchant, XXXX XXXX to receive credit or get the items missing to be shipped to me again. XXXX XXXX, never issued a refund to my account, and the missing items were never delivered to my address. 

On XXXX XXXX, XXXX, I received a notification that my account with Citizens Pay was closed due to fraud and identity theft. I immediately contacted Citizens Pay, and a customer representative by the name of XXXX informed me that XXXX XXXX, had reported my account as fraudulent and he informed me that I should dispute this issue with them. I spend close to 45 minutes on the phone with XXXX XXXX and they informed me that Citizens XXXX had flagged my account for fraud and identity theft and that I should have contacted Citizens XXXX and not XXXX XXXX. 

After another XXXX minutes on the phone with the same representative from Citizens XXXX, XXXX, then informed me that I had to send an email to XXXX in order to get this matter investigated. I wish he would have informed me of this and not been so dismissive when assisting clients. Nonetheless, I inquired into the reason why my account was flagged for fraud or identity theft if I did not report it as so. A manager by the name of XXXX from Citizens XXXX, also instructed me that I should email them, and she did not know why my account was flagged for fraud. 

I never reported fraud on my account, nor did I file an identity theft on my account with Citizens XXXX. Thus, their erroneous information caused the credit line I had with Citizens XXXX to close and my credit score to drop as a result of their erroneous information. 

Please be aware that I did purchase the items from XXXX XXXX, my only dispute with them was that I was missing items from my original order and I was never given any credit for those missing items. In addition, Citizens XXXX incorrectly coded my account as fraud and their negligence caused my credit score to drop and for my credit report to contain false information which is a violation of the FCRA. 

I attempted in good faith to resolve this matter with both Citizens XXXX and XXXX XXXX, but both companies just kept bouncing my call from one representative to the next. 
I want Citizens XXXX, to reimburse me for the missing items I did not receive from XXXX XXXX and to correctly report to the credit bureaus that my account should have been in good standing and not have been closed since there was no fraud or identity theft incurred with my credit file or my account with Citizens XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX has Reported XXXX credit cards that were opened in my name fradulently! I have not given written consent for them to report on my behalf. Also XXXX closed account in XXXX are still reporting late payments and are closed! I need this removed and receipt of the removal

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 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX has Reported two credit cards that were opened in my name fradulently! I have not given written consent for them to report on my behalf. Also one closed account in XXXX are still reporting late payments and are closed! I need this removed and receipt of the removal

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 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I wrote a {$10000.00} check to a friend from my Wells Fargo checking account and sent it in the mail. Someone other than my friend got hold of the check and deposited it into their account. Neither my friend ( the intended recipient ) nor I knew this other person. 

About a month after I sent the check, my friend called me to ask if I had ever sent it. I saw that the check had been cashed the day after I wrote it. I couldn't see the back of the check on line, so I had to request it from Wells Fargo. It took several days for them to send me a copy of the signature on the back of the check. 

After both my friend and I realized that some stranger had cashed the check, I set up a claim with the fraud department at Wells Fargo. The Wells Fargo claim number is XXXX. This was on XX/XX/XXXX. 

Since then, I have spoken to several different people at Well Fargo, never the same person, each call taking over 5 minutes to verify me, and I have been given the run around every time I called. Finally, yesterday I got a message and today, XXXX XXXX XXXX  Wells Fargo told us the the claim was escalated to the " exception payment department '' with a phone number how to reach them. So far, two separate calls, both on hold for 60 minutes and 30 minutes respectively, with no one answering the call. 


I am attaching the front and back of the check to you to see that the payee and the signature are not alike. I was told that the check was deposited in a XXXX account. 

We are trying to to get the {$10000.00} put back in our account. Will someone please contact me an try to help me reclaim my money. 

My phone number is XXXX email - 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 2023-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: GA

Complaint narrative:
This is the 2nd company, that has tried to collect Money from me on the same bill. Both time it has appeared on my credit file. And it is not mines not accurate personal info which I've told all three XXXX, XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2023-01-13 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: SC

Complaint narrative:
I went online to purchase a product which requires a login to a website to use the product. This was on XX/XX/XXXX XXXX at XXXX. I have the email from " XXXX '' which is the company that collected my money from my credit card. The company then sent me the information to login and start using the software on the website. 
When I tried to login my login failed and i sent them a request to fix the problem ( via email ). They sent me an email back with a different email address ( not my email address ) and password to use the website. 
I thought this was strange and asked them how this works ; they told me they created a fictitious email and password for me to use while on the site. ( and that this was a secure way for me to work and nobody would know who I was, this is sounding suspicious to me already ) When I logged in ; the site let me start using the program but I noticed that other peoples files were on the site too. Why? 
I immediately sent an email to them asking what was going on and they said don't worry about it ... ( this doesn't sound very secure to me ) Also the site uses credits and as you use different parts of the program you use credits which you must buy more of as they get used up... 
Well I hadn't started using the site yet and noticed that some credits were already gone... 
I contacted the company and again they told me don't worry they could just refill credits as needed for free? Really? How is that possible? how does the company make any money ... .Bare with me this will all make sense in the end... 
Now i am thinking this XXXX  is not on the up and up... So I contacted the support page link that was on the actual website ... that's when i learned what was going on. 
They sent me an email which i will include describing to me that XXXX has hacked/ pirated their website and sells account access from other people who have accounts paid for to XXXX This is clearly fruad! 
I asked for my money back from XXXX and they said that they would give me a credit for other services the sell... I don't want a credit from someone stealing someone else 's software and selling it to me... 
Then I contacted my Credit card company and informed them about the fraud and sent them the emails proving everything I claimed aand they said they felt that XXXX acted appropriately and ruled in their favor... WHAT? selling someone's else 's software account is LEGAL? Sorry This is wrong.

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 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Today i try to made a wire transfer to my doctor for XXXX but the sistem cancel so i call to see what was the problem and nobody try to help me they just say call back or go to a branch im in XXXX and i need to send the wire to pay for my XXXX on Saturday

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX Equifax and XXXX Please make-up your mind You are reporting me delinquent for Citizens one Hone loans as followed for 2019 XXXX Delinquent for XXXX XXXX and XXXX Experian DELINQUENT FOR XXXX XXXX AND XXXX Equifax DELINQUENT FOR XXXX XXXX AND XXXX It has been multiple time not XXXX not but minions of times that Citizens has provided you with the current delinquency months yet you XXXX Equifax End XXXX have failed to update it correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX and Experian Please make-up your mind You are reporting me delinquent for XXXX XXXX XXXX XXXX as followed for 2019 XXXX Delinquent for XXXX XXXX and XXXX Experian DELINQUENT FOR XXXX XXXX AND XXXX XXXX DELINQUENT FOR XXXX XXXX AND XXXX It has been multiple time not one not but minions of times that XXXX has provided you with the current delinquency months yet you XXXX XXXX End Experian have failed to update it correctly

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 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
CareCredit does not make clear their promotional for health care its very misleading and confusing. Its impossible to get a live person and when I did she didnt answer questions and didnt understand. I had a balance of {$1900.00} and few days ago they added {$580.00} interest to my balance. I got no warning at all. Am low income so this is very hard on me. If I had known I would of transferred my balance to a credit card.

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 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: CO

Complaint narrative:
Alliant credit union courtesy pay service is not EQUAL to all members due to XXXX bank employees intentionally causing harm and discriminatory practices against some members like me. Their policy is not applied to all equally. I elected program because bank offered and every time I paid negative balance including fees. Suddenly alliant credit union management stated you are not eligible for courtesy pay until XX/XX/23 which is unlawful and outrageous including discriminatory because they didnt punish other bank members, bank shields some members while they intentionally discriminate against me. I did nothing wrong, bank courtesy pay policy is misleading, defraud to members & false promises. Bank accused me of violations of their policy but the fact of the matter is bank actually violated the same policy. All I am asking is that bank must be investigated and its policies and those policies applied equally to each person that has active accounts. I am damaged because I believed my transactions were being paid but I learned they were denied so how is it legal for bank to claim false and misleading promises, its beyond outrageous and unfair including potentially federal laws being violated by the bank. They ruined my life

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
XXXX continues to violate my right to privacy, which is a violation of the Gramm Leach Bliley Act. Even after when I made them aware of the federal laws they are breaking by sharing my nonpublic personal information WITHOUT my consent. They have willfully ignored my request to opt out of sharing my nonpublic personal information with other nonaffiliated 3rd parties. XXXX continue to aid with consumer reporting agencies to furnish negative information in the form of " late payments '' on my consumer report without my consent in their attempt to extort me on this extension of credit. They make false statements stating that " they are consistent with industry standards '' when the Fair Credit Reporting Act don't requires them to furnish information about me without my consent when Credit Reporting is OPTIONAL WITH MY CONSENT. I have suffered monetary actual damages from the results of Navient furnishing this inaccurate information, damaging my reputation and restraining me from operating in commerce in which the banking system is dependent upon! I have tried to resolve this issue through a direct dispute and indirectly through the consumer reporting agencies that they are furnishing this information to. *see attachments*

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 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX continues to violate my right to privacy, which is a violation of the Gramm Leach Bliley Act. Even after when I made them aware of the federal laws they are breaking by sharing my nonpublic personal information WITHOUT my consent. They have willfully ignored my request to opt out of sharing my nonpublic personal information with other nonaffiliated 3rd parties. XXXX continue to aid with consumer reporting agencies to furnish negative information in the form of " late payments '' on my consumer report without my consent in their attempt to extort me on this extension of credit. They make false statements stating that " they are consistent with industry standards '' when the Fair Credit Reporting Act don't requires them to furnish information about me without my consent when Credit Reporting is OPTIONAL WITH MY CONSENT. I have suffered monetary actual damages from the results of Navient furnishing this inaccurate information, damaging my reputation and restraining me from operating in commerce in which the banking system is dependent upon! I have tried to resolve this issue through a direct dispute and indirectly through the consumer reporting agencies that they are furnishing this information to. *see attachments*

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX continues to violate my right to privacy, which is a violation of the Gramm Leach Bliley Act. Even after when I made them aware of the federal laws they are breaking by sharing my nonpublic personal information WITHOUT my consent. They have willfully ignored my request to opt out of sharing my nonpublic personal information with other nonaffiliated 3rd parties. XXXX continue to aid with consumer reporting agencies to furnish negative information in the form of " late payments '' on my consumer report without my consent in their attempt to extort me on this extension of credit. They make false statements stating that " they are consistent with industry standards '' when the Fair Credit Reporting Act don't requires them to furnish information about me without my consent when Credit Reporting is OPTIONAL WITH MY CONSENT. I have suffered monetary actual damages from the results of Navient furnishing this inaccurate information, damaging my reputation and restraining me from operating in commerce in which the banking system is dependent upon! I have tried to resolve this issue through a direct dispute and indirectly through the consumer reporting agencies that they are furnishing this information to. *see attachments*

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