vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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:
Late payments XXXX XXXX Account number Date opened XXXX. XXXX, XXXX Late payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) Experian a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 15 usc 1681a 2 a ( i ) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated and removed. Immediately 15 usc 1681a 2 a ( i ) 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Per 15 USC 1666 ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The following accounts have been reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer 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 2024-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello, I am facing an issue with PayPal. I am a XXXX  citizen and an incoming XXXX XXXX  at the XXXX  XXXX XXXX in XXXX. Since I will be starting in the XXXX XXXX  ( XX/XX/year> ), I needed to find housing before arriving in XXXX. 

I found a rental offer on a XXXX XXXX recommended by my university for off-campus housing ( link : [ XXXX XXXX XXXXXXXX? XXXX ] ). I attempted to send the landlord a deposit of XXXX XXXX to book the room. Initially, I sent nearly XXXXXXXX XXXX, but when I tried to send the remaining amount, PayPal deactivated my account. 

When I inquired about the reason, PayPal informed me that I posed a risk. I provided all necessary documents to verify the legitimacy of the transaction, including my government ID, the landlords ID, the rental contract, and my official letter of admission from the XXXX. Despite providing all this information, PayPal made no effort to reconsider their decision and informed me that it was final. 

This situation has caused significant delays and challenges in securing housing for my arrival in XXXX. I feel this decision is a serious violation of my rights and am seeking a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>2024 an unauthorized charge was made on my account for the amount of {$1.00}, I saw this on the Citi mobile app, I disputed the transaction on XX/XX/year>2024 and was immediately credited the {$1.00}. On XX/XX/XXXX I saw another unauthorized transaction on my account made on XX/XX/year>2024 for the amount of {$320.00}, I tried to dispute on the citi mobile application and could not do it, I called the XXXX and reported the unauthorized transaction the Spanish speaking agent advised to immediately destroy the card and citibank costco anywhere bank would send a new card in the mail. Days passed and an e-mail was received to call back citibank and speak to an agent in the fraud center. The agents do not speak XXXX and a translator was used on the call that confused more than it resolved. After being asked questions about the use of the card, the agent said the decision would be sent out in the mail. I confidently thought that citibank costco anywhere card would credit my account for that unauthorized transaction. I received a letter in the mail stating that I was responsible for paying this unauthorized transaction because I provided my account number when the transaction was made. I did not make this transaction, I have previously made purchased with this merchant, the last being in XX/XX/year>2024. I called XXXX and asked why I would not received a credit for a transaction I did not make. I was transferred to about 4 to 5 agents no one would help me, while having a translator on the line. I was treated like an idiot, I felt lost and discriminated because I could not communicate with the agents, and the translator only made things worse for me. I clearly stated to the translator please I need the {$320.00} credited to my account, I did not make this transaction, the call lasted 49 minutes and there was no resolution to the call. The dispute was remade on XX/XX/year>2024, and there has been no credit to my account. The letter I received states that I will be reported to the credit agencies if I don't pay an unauthorized transaction made on my account, I feel threatened and coerced to pay something I did not authorize on my account, just to protect my credit and because Citibank Costco Anywhere card refuses to help me as a consumer of their credit card services.

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 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Jefferson Capital Systems , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt.

Agreement that bears signature of the alleged debtor with promises to pay the original creditor.

Complete payment history on this account, to prove that the amount you wish to collect is correct.

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: IL

Complaint narrative:
I have student loans through Mohela. Under this company I placed an application for the save plan about 6 months ago. Secondary to the injunction placed, the application has been put on hold and they have begun requesting payments. With that they have a temporary way to place accounts in forbearance for 60 days to give time for application processing. I had done this twice but when further questioning the process I was told that I did not have to call and this would automatically be placed. This was concerning because after 60 days went buy mohela emailed me again saying my payments are due. So I took the time to call and I notice in the recording of the customer service call line it clearly states to ignore these bills as they are false. That being said I waited, trusting that when the due date came it would automatically be placed in forbearance. At the due day however that did not happen, my account went into past due. Based on this, I started calling the customer service starting with the call back option that is offered which never occurred. The next day I called again with an estimated wait time of 84 minutes and waited for about 3 hours in which I got connected to a customer service rep that agreed my account should be in forebearance but they had to transfer me. They transferred me to and I stayed on the phone another 4-5 hours until it was late at night when the call disconnected. I attempted a few other times between there where I could never even get to talk to the first person because the wait time were so long. I finally was able to get through the process in which I talked to 4 different reps, who were able to place my account in forbearance. I finally asked for a supervisor to talk about the poor quality and concerns about collections. The supervisor said that yea there recording says ignore your bills but she advised against that because if I would have listened to that recording and 90 days passed that I would have been at that time reported to credit companies and it would have impacted my credit. She also told me that there is nothing she can do to fix my account because this isnt a perfect world and that many other people are also not properly getting placed in forbearance. She also said there is nothing she can do about being on hold for 15+ hours yet again its not a perfect world. All this being said, this is worrisome and questionable collection practices. I am very worried by the fact that I would have had a ding on my credit if I would have listened to my lenders customer service line to ignore my bill. I am also highly concerned that my ability to get my questions answered about what is going on and fix it took me 15+ hours. A collection agency such as Mohela needs to be held to higher standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
PayPal and Synchrony Bank For the past three months theyve been taking money out of the wrong banking account and charging me late fees, service charges, and interest on an account that doesnt have interest. Last weekend they closed my account because of three missed payments that was the fault of PayPal and Synchrony Bank not me. I have four other credit cards that have no issues taking money from my bank with digital payments. It seems that PayPal and Synchrony Bank can not figure out the process. They have blamed everybody under the sun but themselves. Ive talked to several representatives, half of them have admitted to a problem on their end. The other half have tried to fix the issue, but the fix doesnt work. Then as of last weekend they deny the issue completely and they said that it is my problem and they dont believe anything I say.

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You are now out of the time frame to " update '' or fix the account this is a deman of deletion.

If I am misadvised or the laws that I attached aren't withholding please using other laws explain to me how Affirm is still appearing on your report after : I showed the company ignoring me and immediately closing out my complaints ( see attached ) I showed you where the supervisor said he will personally look into the case and get back with me and as of XX/XX/year> up until today I got XXXX response ( see attached ) I even showed you guys proof of my new agreement due to disaster a deferment was set up allowing me to change my due date you guys said you validated and updated the account but ( see attached ) as of XX/XX/year> this account hasn't been updated I went over every single violation and found I'm also due monetary relief correct? I demand accountability and the removal of this account immediately. ( see attached list of laws )

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I dont know exact dates. I know that I was charged for credit protection coverage that I didnt want and didnt sign up for and I was also charged fees from XXXX XXXX that I should not have been charged between the years of XXXX. When I would call and ask for the charges to be explained I got a bunch of double talk and excuses and I was told they would fix it and or credit my account which they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/year> I attempted to create an account and freeze my credit with Equifax online. The website told me I needed to call customer care because of error code NH. I have tried to call 3 times and each time I don't get to speak to a live person and the computer prompts tell me they can't verify my information and end the call. I was able in the same day to freeze my credit at XXXX and XXXX  but can't get anywhere to do so with Equifax. I want to be able to freeze my credit at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: AA Recovery Solutions, Inc.
State: OH

Complaint narrative:
AMENDMENT OF PREVIOUS FILED COMPLAINT : On Monday, XX/XX/XXXX, gentleman by name of XXXX XXXX contacted me on behalf of XXXX for alleged debt I owe. I didnt answer the first time, so he called again from a different number. I didnt answer again. Then he called my work, my mother & my father. Which to me is harassment. This was all in the span of 15 minutes. I am not sure how he obtained my parents phone numbers. When he called my mother, she answered not knowing. I then spoke to him. He essentially threatened court & other court-related fees if not paid by that day. I explained I am in no place to pay that much in one day. He offered to give me 2 weeks time to pay. He did not verify the agency he was calling from & posed like he was a law firm. I agreed to pay, not knowing my full rights. I also asked him to no longer call my place of employment or family members. Upon researching his so-called firm, the phone numbers he called from nor the name he gave me of the firm, is available anywhere online through a XXXX search . After further research, it appears he was calling from AA Recovery Solutions.

The phone numbers he called from are as followed : ( XXXX ) XXXX ( XXXX ) XXXX On voicemail he left, number was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
On XX/XX/year>2024 my card started being declined, I called the issuer and was told that it was suspicious that I was trying to use my card and the system didn't give an option to fix it. On XX/XX/year>2024 after two uses the card again says that it is declined, I called the issuer again and was told that they can't do anything about it so I should use another form of payment. As they have my money in my account there is no reason I am being deprived of my own access to my funds. As this is causing significant hardship and even denying my access to my required medication I have no recourse than to file this complaint.

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 2024-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I have tried several times to clear this up with cash app. I don't know how many times i have repeated myself telling them that XXXX XXXX can not investigate cancelled transactions or why they keep telling me to go to XXXX XXXX  about this i mean not being able to investigate a cancelled transaction said it all for me was very logical. So as stated in our conversation i want cash app to do the investigation they say they can do provided the BANK CAN NOT LOCATE MY FUNDS. It's pretty obvious they can not locate my funds just from the statement of CAN NOT INVESTIGATE CANCELLED TRANSACTIONS! But cash app REFUSES to do the investigation every time gets very rude i even had XXXX lady basically call me a liar and said the funds were in my account. I'm sure they think it's because i filed unauthorized use BECAUSE THEY DIDN'T HAVE A MISSING CLAIM FORM AND I WAS TIRED OF MY DISPUTE BEING DENIED. And if they did any party of their job they would see in the details of the unauthorizedl use form i SPECIFICALLY ASK FOR THEM TO FIND MY MONEY FROM THIS TRANSACTION! But no one will go beyond telling me they contacted the payment processor and confirmed the transaction was sent successfully no error occurred! Maybe they need to ask their PAYMENT PROCESSOR what happens when the payment is sent successfully no error but it's then cancelled because i don't think cash app knows they are going by what someone says BUT I STILL DON'T HAVE MY XXXX MONEY AND THEY ARE THE ONLY ONES THEM AND THIS PAYMENT PROCESSOR ( which i thought was cash app in the first place ) ARE THE ONLY ONES THAT CAN FIND AND RETURN MY XXXX MONEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : credit card and collections : Account name XXXX XXXX XXXXAccount number XXXX Balance {$4900.00} ; Account name XXXX XXXX XXXX Account number XXXX Balance $ XXXX Date opened XX/XX/XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-14 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: U.S. BANCORP
State: KY

Complaint narrative:
Funds were given as cash back at XXXX. I sent XXXX letters from my coworkers stating my whereabouts at the time of these charges. I explained a card skimmer was found at XXXX gas stations were I visit frequently and even verified my job was XXXX hours from where the card was used. The XXXX Bank card does not have a security chip and is very easy to duplicate

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX account number : XXXX

Company response to consumer: Closed with explanation