vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Credit collection company continues to harass and reach out to my family members Thru phone calls and text messages. I am estranged from my family and being threatened about the calls I have asked the agencies to not contact any one I have asked for proof of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My debit card was frauded and it was used to make purchases from a local gas station.I never used that gas station.Not me and not any family member.I am the only person that has acces to that debit card. 
I reported the fraud and even did a police report but Wells Fargo said that in the transaction the PIN number was used and they will not refund my stolen funds. 
They are saying that me or another family member used my debit card.I repeat that nobody has acces to my debit card and me and my husband worked in that day. 
My checking account is new.I have a car loan with them and I made a checkings account with them to transfer the funds more easy.I barely have 2 pages of transaction and my card was already frauded. 
My debit card was frauded 4 times in the amount of XXXX $ Wells Fargo is denying the refund of the claim.As I stated I never used that gas station and I have no car that can hold XXXX $ fuel ( that was one transaction ). 
I was treated with disrespect by Well Fargo customer service/fraud delartment.

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 2022-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I have tried to call Aidvantage customer service to cancel a consolidation loan application for 5 days straight. I have sat on hold for a total of XXXX hours. I have emailed them and have not heard back. I requested XXXX call backs. They will call me back and put me on hold. I have yet to speak to a human being. According to their website, this is the only way to cancel my application. The latest call back was scheduled for 24 hours in advance and they still put me on hold. I can not resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
I listed an item on XXXX XXXX  on XX/XX/22. A buyer ( XXXX XXXX ) offered to buy XXXX items for {$800.00}. He tried to zelle me. He sent me a screenshot of the zelle. I then received an email saying that I needed to upgrade my zelle account in order to receive the payment. I had to send him {$500.00} and then I would receive my money. Once I did this, I got a fake email claiming to be zelle. It is then I realized it was a scam. I asked the sender for the money back and he refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account XXXX # XXXX has violated my rights. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACI Worldwide, Corp.
State: MD

Complaint narrative:
I was paying a traffic fine to the state of New York and satisfied the debt. ACI continued to deduct {$11.00} from my account. I've attempted once to resolve this and just recently sent another request to cease the debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On about XX/XX/XXXX I established a Venmo account and included my local bank account number to transfer ( send to ) and receive funds from friends. I used the Venmo account XXXX times to send and receive funds. The last time I used the account was on XX/XX/XXXX. On that date I had requested {$490.00} from a friend for travel expenses. The Venmo app documents that my friend transferred the funds. I then transferred the funds to my local bank account. Subsequently, I checked my bank account and found that none of my transactions using the Venmo account were showing on my bank account. After further search on the Venmo app the account that was listed was an account titled " XXXX XXXX XXXX. '' That is, all of my transaction were being managed by a bank account that is not mine. I have never had a XXXX XXXX bank account. 
Thinking I might get some information re my problem, I called XXXX XXXX bank and gave them my social security number the the last XXXX digits of the account listed on my Venmo app, " XXXX '' Of course, XXXX XXXX could not help. I then called Venmo and lodged a complaint. In one business day I received an email from Venmo denying any resolution to my complaint/problem. The total loss to me, {$1900.00}, is not significant, but I still would like a refund or an adequate resolution. Curiously funds that I transferred to friends also never " hit '' my local bank account, but were also listed as coming from the XXXX XXXX account. Funds that should have transferred to me totaled {$2200.00} and funds coming from me totaled {$290.00}. This results, as above, a loss of {$1900.00}. 
Thanks for you kind attention to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: MO

Complaint narrative:
XXXX dealing with Selene Finance. For the last 3 months I have tried to resolve falling behind with house payments by calling regularly, I kept a record of phone calls, who I spoke with and what was discussed. I asked for XXXX XXXX to be sent to me and after a month of waiting for it and being lied to that it would be arriving within days I downloaded it myself and started faxing information they requested. Whenever I called to check status I was told I needed just one more document, went through that merry go round for another month. I was told my packet for modification was complete and would have an answer on the XXXX of XXXX, still no response. Called today and XXXX XXXX at Selene is unavailable. Its my understanding that once a modification packet is complete the sale date should be put on hold. I have never received any documentation from Selene regarding sale date. Im doing everything humanly possible to work with them and I cant get any clear response. I got behind on payments due to Covid a major XXXX  and a major XXXX, all documented and sent to them. I am doing well and have been employed since XXXX of 2022. This issue is destroying my life and I need help. Please, I know what theyre doing is wrong, I just want to get back to my normal life

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: IL

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
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.

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 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
Good morning, As I explained in a fax ( sent on XX/XX/XXXX to the collecting company : XXXX XXXX because of the purchase of some XXXX  made on Saturday XX/XX/XXXX at the JCPenney stores, it was not made by me. In other words, I didn't buy anything that day at these stores.

According to the details, the purchase was made with a JCPenney credit card, but I don't have a credit card with them, so I couldn't pay using their card. 
I have never received a card from this company since I reside in New Mexico. Therefore, it is possible that someone used my identity to make me pay for this purchase. 

I reiterate that I have never had a JCPenney credit card. The last purchase I made in these stores was on XX/XX/2019 for {$38.00} and I paid for it with the only credit card I had at the time ( XXXX  ). The purchase on Saturday XX/XX/XXXX is a ghost purchase. 
Respectfully, 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 non-monetary relief
Consumer complaint received 2022-08-30 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: TX

Complaint narrative:
I spoke with an agent named XXXX XXXX, in the Fraud Department Special Handling for Transunion Information Services, regarding the account with XXXX  XXXX account # XXXX. XXXX XXXX stated to me that the account was disputed on XXXX XXXX, and Transunion Information Services came back and verified the account on XXXX XXXX. XXXX XXXX also stated that the account has an FTC Statement that was attached to it. The account remains on my credit profile, which is a violation of my consumer rights. TransUnion has violated my rights according to the FCRA 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-30 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX, a sum of {$1000.00} was debited from my checking account to pay for a loan that I did not apply for.

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 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I had opened an account with Robinhood ( RHS ) Acct # XXXX around XX/XX/2022. I connected my bank account, verified my identity, sent in the proper documents including face scans, Drivers License and a copy of my Social Security Card. I was told that I could not access my account to transfer, withdraw or invest due to my identity not being confirmed. I challenged that and contacted Robinhood multiple times, sent copies of my social security card as requested and was told the matter was being investigated. It has been one week since a hood has been placed on my account and my money is being held under false and unlawful reasons. I simply want to close my account, transfer to another broker and have access to my funds as would be expected under the terms of service. 


There are multiple complaint/case files from Robinhood. They are ; # XXXX, # XXXX, # XXXX, # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I attached a identity report, I did not authorize these 5 inquiries. I am requesting my written instruction and my wet signature giving these companies permission to pull my consumer file. I also have a right to privacy. The following 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2022-08-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX ) has violated my rights. 
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.

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 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: NC

Complaint narrative:
I am writing this letter due to the actions that Firstsource Advantage , LLC has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXX XXXX XXXX XXXX is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX XXXX XXXX XXXX XXXX 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation with Firstsource Advantage , LLC, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 
Sincerely yours, 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 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, a third party was able to access my device and make unauthorized transactions to transfer money to themselves. Although I responded to this transaction swiftly and opened up a dispute the same day, the company claimed they offered no protection against this kind of transaction. On XX/XX/XXXX. after 7 days of investigation, they ultimately decided to offer no assistance in helping me recoup my losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: NC

Complaint narrative:
I am a consumer by law & my information was misused and now I have false & 100 % inaccurate accounts on 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 2022-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX regarding a client they obtained XXXX XXXX XXXX XXXX they said that I owed {$5900.00}. I reached out to them trying to dispute the death I asked them to verify the debt they then proceeded to send me a unsigned lease with my name on it. I reached out to them asking them to remove it I also provided proof that I never signed the lease they never responded to me they also have not provided any more information regarding the lease that needs to be signed I do not under

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 2022-08-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On several occasions I have disputed with the XXXX major bureaus the account listed on my report XXXX XXXX and XXXX, I have asked them to verify the debt, and sent me a accounting of how they came to these charges concerning an apartment complex I resided in. I left the apartment in better condition than it was when I moved in, so I have requested they validate, verify the debt, and provide me the detailed charges or a Itemized list of how they came to these charges. I also requested a signed contract where I agreed to pay them. 
I was never in a lease or agreement or contract with this company and they have not complied with the FCRA in providing me this information and continue to report on my credit file negatively affecting me. I have been mailing letters to Experian, XXXX and XXXX XXXX and they are stating its verified, by who, when I have no lease or contract with this debt collector. Please help in this matter I have not received any feedback from them except to kept saying they verified this debt, when it's no way they could have, or they would be able to provide me with the proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
Third party debt collector ( MIDLAND CREDIT MANAG ) has incorrect information on report. Last reported date on my credit report by third party is the XXXX XX/XX/2022 but last activity is XXXX of XX/XX/2022 XXXXThird has not provided any form of validation. Third party is also suing me for debt.

Company response to consumer: Closed with non-monetary relief