vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
On XX/XX/2022, I went to cash my usual check from XXXX XXXX on the Venmo app ( who uses XXXX XXXX to cash it ). 
It went fine and i sent in a picture of " XXXX '' written on the check. 
It got approved and then said my account couldn't be funded. I've contacted by phone email and chat both XXXX and Vemmo. XXXX tells me once they approve and release funds they can do nothing and they don't know where my money is. Vemmo is telling me it's XXXX problem, and they don't know where my money is either. But neither is giving me any help. It was a {$350.00} check. No account was funded. I have pictures from my check activity tab on my Vemmo app even showing the check being approved but under the " Funded On '' date, it is blank, where on other checks I've cashed it says the date and time. Neither company will give me a higher up employee to speak to. All I want is my {$350.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: GA

Complaint narrative:
I Recently reviewed a copy of my credit report, i was shocked to learn i have been a victim of identity theft, i found numerous accounts on my credit report that was not open by me, this has been hurting me, please remove from my credit report as soon as possible

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 2022-10-11 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I believe Amex is not following the Fair Credit Billing Act in arbitering my dispute with XXXX, due to its commercial arrangement with the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11 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: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
XXXX allowed me to make a payment arrangement with them to pay my account. And get caught up from being behind due to XXXX. I asked how this would impact my credit report. And I was told multiple times not to worry about the credit reporting. Because XXXX was giving me an accommodation. And that under the FCRA any loan modification to your original loan terms was an accommodation. And could not be reported as anything other than current.

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 2022-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX put {$42000.00} for the purchase of a new home with XXXX XXXX XXXX California XXXX XXXX XXXX I informed the sales agent that I do not have the down payment and they suggested I go through Open door. 

That same day, without confirmation of funds to be received for my current home from XXXX XXXX, they began the application process to approve my loan. I submitted my current paystubs and an offer from the XXXX as a temporary second job. 

Soon thereafter, the offer from XXXX XXXX was {$100000.00} less than the down payment expected. XXXX XXXX of XXXX Mortgage continued to try to make the deal work with a second. I informed them I have no further money to put down on the loan. 

On XX/XX/2022, I got news from my second job offer that I would not be eligible to work. I submitted this proof to XXXX Mortgage and XXXX XXXX XXXX California XXXX XXXX. Rather than provide me with a denial of my qualification of the loan so I can obtain my deposit back, I was getting calls from both companies essentially forcing me to get my second job even though I do not have the requisite paperwork to qualify. 

I know that they are illegally withholding my deposit as I have now showed them ample proof that my income would no longer qualify for this loan. I am a single mom and this deposit is my entire life savings. I have been having XXXX palpitations due to their antics in not providing me my funds, rather continuously questioning me on my qualifications on the second job. At this point, I will not be able to work a second job or even my current job because I am so stressed out. 

Both XXXX XXXX and XXXX Mortgage, through their respective representatives have been calling me about my second job and stating they do not want to return the funds because they believe I can obtain this second job, despite being shown an email from the HR specialists that my application is not moving forward.

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 2022-10-11 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: CA

Complaint narrative:
Difficult to contact Transunion about a credit card that was open fraudulently under my name without my knowledge.

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 2022-10-11 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.

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 2022-10-11 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: NJ

Complaint narrative:
On XX/XX/2022 Agency was notified that it was in violation 15 usc sec 1692g

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 2022-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Asset Agency, Inc.
State: FL

Complaint narrative:
Debt paid XXXX with different collection agency. Back on credit file as owed collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit card or 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: Incomm Holdings Inc.
State: MI

Complaint narrative:
I bought XXXX cards in early XX/XX/2022. They were unopened and unused until XX/XX/XXXX. That day I checked the balance on vanillagift.com as instructed. It showed XXXX cards, each with a full balance of {$50.00}. 2 days later the cards were rejected. When I got back from vacation, I contacted the company and they verified that the cards had been drained at XXXX the night I checked the balance on their site ( XX/XX/XXXX ). One card had XXXX - {$0.00} charges and was drained in 1 minute. The other had a few other amounts. It was mostly drained over XXXX XXXX min periods. All charges were to " XXXX ''. Obviously these were not legitimate charges as there is no way to make XXXX transactions in under a minute. They locked both cards so I have never had access to XXXX of the {$50.00} cards. I had to wait for them to send copies of the charges and I submitted the dispute packet XX/XX/2022. I have contacted them by email. No response. I have called and they keep telling me XXXX days " to review ''. 
They have no intention of giving me back my {$100.00}. The cards were good until I went to their page. Once drained from their page, they locked the cards so I didn't even have access to the balance. Vanilla pre-paid visas are a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
XX/XX/2022, my credit limit was changed to {$1200.00} ; however, before this change my credit limit was {$1500.00}. On XX/XX/2022, my current balance was {$1300.00} and I made a {$100.00} payment. Then, I made a {$310.00} payment on XX/XX/2022. On XX/XX/2022, my available credit was at {$500.00}. Abruptly, the current balance changed to {$990.00} and my available credit went to {$200.00}. On XX/XX/2022, I called to get some clarity about this and was told my credit limit was reduced to {$1200.00}. Since, my credit limit dropped to {$1200.00} and my credit limit was at {$1200.00} at the time. I was over my credit limit. The {$310.00} that I sent went towards the XXXX. Barclays representative said I was over my credit limit. The reason I was over my credit limit is because Barclays dropped my credit limit under my credit limit even though Barclays knew the new credit limit would put me over the credit limit.

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 2022-10-11 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
SEE PRIVOUS COMPLAINT XXXX IT HAS COME TO MY ATTENTION THAT IT HAS BEEN OVER 30 DAYS SINCE COMPLAINT WAS SUBMITTED TO THE CFPB. 
EXPERIAN AKA CORPERATION HAS NOT PROVIDED ME WITH ANY BONAFIED PROOF OF ANY THE ALLEGED DEBT ACCOUNTS BELONG ON MY CONSUMER REPORT. 
IT HAS BEEN WAY TO LONG THERE NO SUCH THING AS 60 DAYS WHEN DEALING WITH MYSELF AND THE VIOLATIONS THAT HAVE ACCURED BECAUSE OF SAID ENTITY EXPERIAN ASSUMED A ROLE THEY HAD NO PERMISSION TO OR CONSENT TO XXXX AT TOUCHED OR FURNISH ALLEGE DEBT

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 2022-10-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: LA

Complaint narrative:
I was in the hospital majority of XXXX and laid off due to XXXX. I was not aware of servicing transfer to Fay Servicing. When I became aware I found out my home had a foreclosure sale date of XX/XX/XXXX it was less than 37 days of foreclosure sale date. I have tried to speak with servicer but they are not willing to work wit me at all. I have submitted a complete application as of today and the are refusing. They never guided me on where to find an application nor sent me anything but mortgage statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
Last week started complaint with WA state AG, as I received a garnishment notification on a debt judgement dated XX/XX/2014. 
Washington state statute of limitations is 6 years. I do not recognize the company. There are not public records for my person in the said county on the written threat of garnishment mailed to my address. Some of the judges listed in the order do not exist and/or are in other states, jurisdictions, not related to the state or county the garnishment is said to be filed in. 
This is also past the 7 years allowed to be reported on 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 explanation
Consumer complaint received 2022-10-11 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: TX

Complaint narrative:
The following inquiries are needing to be removed. I didnt initiate them. 

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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