vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Prosper Marketplace, Inc.
State: ID

Complaint narrative:
On the weekend of XXXX XXXX XXXX I over paid my credit card. I paid off the balance twice on accident. I now have a large credit, but they will not let me access it with the credit card, they blocked it. They also tell me a check refund is more than 20 days away. They will not issue me a new card, or tell me why my card is blocked. I was willing to use the overpayment on bills, but the card is blocked. The customer service agent says they are going to send a refund in the mail because they wont take the hold off the card. I didnt want that, but they could barely speak XXXX and must have misunderstood me, or decided my wishes didnt 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 explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Coinbase, Inc.
State: TX

Complaint narrative:
This is about coinbase card I made a refund from XXXX it was sent to them but they won't give me my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
The following account are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation my rights. Because ot this, BOTH accounts need to be removed from my credit report inmediately due to not properly validating the information in which a company has passed to you. Please delete inmediately. When the requested above deletions are made, please mail me an updated copy of my credit report you list account one and you list account two. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/XXXX I was made aware that Paypal had limited my account and I had no longer had access to use my account. I called them and was told I would have to wait 120 days and then I would be able to receive my balance. The total balance was {$8100.00}. I called after 120 days and I was told to wait 180 days. I also made them aware that I no longer had access to the email that the account was setup on because it had been hacked. I tried to have an account manager change my email so that I could up updated when I would have access to my remaining balance. On XX/XX/XXXX I called because when I noticed my account balance was now at XXXX. I also noticed that a transaction on XX/XX/XXXX had been made for the full amount to a XXXX XXXX account which was not the bank account that was always associated with the account. The XXXX XXXX account then refunded the total amount of XXXX on XX/XX/XXXX. I have never had a bank account with XXXX  so I have no idea how that information got onto my account. Then on XX/XX/XXXX XXXX different transactions were made to withdrawal all the XXXX balance on my account. When I spoke with an agent I told them I didn't even have access to my account since XXXX of XXXX so there is no way I sent those payments. The agent told me they would open up a fraud investigation and that it would take 10 days to resolve. The agent gave me a case # of XXXX XXXX When I called back 10 days later another agent told me that she could not access my account that she would a higher department call me back with information about how to recover my money. There were also new addresses and bank accounts on my paypal account that are no way associated with me. I have never received a call back from anyone with Paypal. I not received any of my remaining balance of {$8100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX  XXXX - XXXX - Your agency is in violation! 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete this at once! 

XXXX XXXX  - XXXX - XXXX - Your agency is in violation! 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete this at once! 

XXXX XXXX XXXX - XX/XX/year> - I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-07-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), h

as violated several of my rights. 15 U.S.C 1681 section 602 A.Clearly states that I have the right to privacy. 15 U.S.C 1661 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: MI

Complaint narrative:
I have requested for over a year for fraudulent addresses and account to be removed from my credit report and still no action has been taken place I have police reports as well as document s that I have sent to experian and still No action has been taken Please remove fraudulent addresses XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX mi XXXX Fraudulent accounts XXXX XXXX opened XX/XX/XXXX XXXX  XXXX opened XX/XX/XXXX XXXX XXXX  opened XX/XX/XXXX Below is documentation that has been provided along with police 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 2024-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year> while applying for a mortgage loan with Chase Home Lending, Chase loan officer XXXX XXXX advised I would need to pay {$500.00} as a promise to continue with the financing. XXXX XXXX XXXX, this amount would be refunded at closing or if financing were denied. The process exceeded 90 days, financing was denied, then approved only after seeking alternative financing. Later, Chase Home Lending denied me again. I questioned the {$500.00} refund which Chase later advised was appraisal costs, Chase advised it would not be refunded. Chase Home Lending then refused to provide the appraisal to XXXX XXXX and I had to purchase an additional appraisal prior to closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have been getting collections calls for years now and it affecting my mental health I cant take the calls anymore they wont stop every day at all hours

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: ADP Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, a transaction with XXXX XXXX XXXX was processed by my company Wisely at {$210.00}. However, the services I requested were not directly provided. I did not have electricity at all for the entire duration of my stay at the hotel. As this is included in the service bill, I demand a full refund. It is imperative that I receive a refund to serve as a compensation for the services I was promised yet did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
The account listed was opened fraudulently. Please see attached correspondence,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i deposited a check on sunday XX/XX/XXXX and citibank said that the check would be cashed on monday XX/XX/XXXX but then they tell i have to wait till tomorrow just for not to be showing in my account and then just to wait till today and then just for them to tell me with a attitude that i dont know protocol that the girl i talked to didnt know what she was talking about and that now i have to wait till tomorrow and that there is nothing they can do but wait i hate citibank they have have been horrible since i first made this account.i have had so many problems with them from discrimination to disrespect

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 2024-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
On XX/XX/year> I was informed by Venmo that my account was temporarily closed and I needed to verify my identity by submitting a picture of my photo ID. I sent a picture of my drivers license. I then asked for specifics as to why my account was frozen. On XX/XX/XXXX I got an email stating that my activities go against their user agreement and my account will be permanently closed. I again asked for specifics and was told they will not give that information out and to check the user agreement. However I was unable to locate anything that I violated in the user agreement. They then told me they can no longer help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In XXXX of this year, my wife opened a Marriott Branded Chase Visa credit card in order to take advantage of their sign up bonus offer : XXXX Marriott points after spending {$3000.00}. As an authorized user of the card, we satisfied this spending requirement within the XX/XX/24 - XX/XX/24 billing cycle. The Chase statements state the requirements have been met however, the bank will not transfer them to Marriott for redemption. We have been back and forth with both Chase and Marriott and both companies blame each other for the points not transferring over.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
Complaint against PennyMac Loan Services , LLC and real XXXX XXXX XXXX who collects my money via XXXX agreements with XXXX XXXX XXXX. First, I demand both Servicers to stop using artificial intelligence [ robots ] to respond my complaints. All responses filed with CFPB are computer generated runarounds which is unlawful under UCC ; R1002 and many other laws. According to these robots, here are numerous transactions labeled as non-recoverable which are not owed by me. Then by WHOM these " transactions '' are owed?

I demand to provide me direct contact information of an authorized individual employee of the Creditor who knows who paid for " non-recoverable '' transactions which calculated at nearly {$300000.00}, and how much was paid.

Also, please provide me direct contact information to the authorized employee of the Creditor to discuss my options under VA programs offered on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I received your stall letter regarding the investigation of my previous dispute. According to the Fair Credit Reporting Act ( FCRA ) -15 U.S. Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ), you're supposed to investigate and respond promptly.

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

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. 
Account name : XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX ACCOUNT # XXXX, Account name : XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX, account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX Account name : XXXX XXXX XXXX, account # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief