vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/23 and also on XX/XX/23 i sent mail regarding this account and haven't heard anything from them. I do not have a contract nor any contract with LVNV FUNDING LLC. I have never done business with this company. I am not liable for collect from this debt from XXXX XXXX  XXXX XXXX. I am not responsible for this debt from LVNV FUNDING LLC. I am asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-04-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: Self Financial Inc.
State: AZ

Complaint narrative:
I opened a XXXX account with XXXX XXXX after one year they closed my account for not being able to verify information on my account and freezed my funds. I just finished the term of my cd the payout process began and I started another account because they offered it to me even though they so called couldn't verify my identity. Now my funds our frozen they never called to ask for any documents or noting. I am a us citizen I have a valid state driver license and I bank account savings account from XXXX XXXX  with electronic deposit from my employer I don't understand what they can't verify I been paying on time from a valid XXXXXXXX XXXX account for a year and they refuse to let me speak to s supervisor and give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: TX

Complaint narrative:
Experian is in violation of the FCRA, pursuant to 15 USC 1681a ( 2 ) ( I ) ; the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. Experian is in violation of this federal law by publicly reporting late payments and charge offs transactional activity between myself, the consumer, and the current or previous opposing transacting party. These transactions are listed as Exclusions under the FCRA and lawfully should not be included on 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 2023-04-26 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: CA

Complaint narrative:
Dear XXXX XXXX, I am writing this letter to appeal the permanent limitation on my PayPal account. I strongly believe that this limitation was placed on my account due to a mistake, and I would like to request that my case be re-investigated and my account be restored if possible. 

I have been a loyal PayPal customer for several years, and I have never violated any PayPal policy or engaged in any fraudulent activity. However, I was shocked to receive a notification stating that my account had been permanently limited. 

I believe this decision was made in error, and I would like to present my case for re-evaluation. I am confident that, upon review, it will become clear that there was no basis for this limitation. 

I would appreciate it if you could provide me with any specific details or reasons why my account has been permanently limited. I am confident that I can provide any necessary documentation or information to resolve this issue and restore my account. 

I kindly request that you reconsider your decision and restore my PayPal account to its full functionality. My email address associated with my PayPal account is XXXX Thank you for your time and consideration. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/XXXX, someone fraudulently opened Bank of America checking account in my name using my social security number & email address. I spoke with Bank of America this morning, XX/XX/XXXX, and had them delete the account. I also put a freeze on my credit with the three ( 3 ) agencies and an alert on XXXX as recommended by Bank of America. 

Please see the sequence of events as follows : At XXXX XXXX XXXX XX/XX/XXXX, I received an email to verify my email address from Bank of America XXXX 
At XXXX, I received an email saying XXXXWelcome to 'Online and Mobile Banking '. 
At XXXX, I received an email saying 'Online Application is in Progress ' At XXXX, immediately after the previous email, I received an email saying that the application was approved and the 'Bank of America Advantage XXXX Banking Account XXXX XXXX XXXX XXXX was opened '. 
At XXXX, I attempted to access the account, but was unable because I do not have the bank cards associated with the account. It did confirm that they used my social security number as I was able to use it to get an access code from BofA. 
At XXXX, XX/XX/XXXX, I received an email saying 'We 've saved your Paperless Settings ' At XXXX, I was finally able to get through to Bank of America XXXX XXXX department and have them delete the fraudulent account. 

I followed up with XXXX, XXXX, XXXX XXXX, and XXXX immediately after. Fortunately there was no activity on the account. I would like to know how to insulate myself from future fraud and if any additional steps are recommended. 

Thank you

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 2023-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
Paramount Recovery Systems has violated my privacy and unlawfully trafficked my nonpublic medical information to unaffiliated third parties against my consent. Paramount Recovery is intentionally defaming my character in order to coerce a payment on a debt that i do not own or owe. Paramount has ruined my reputation and credibility and has prohibited me from obtaining fair and accurate credit reporting. I have also filed a HIPAA complaint. See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Alot of things that is reported on my credit should have been removed but is still being reporting. It has been pass the FCRA statue of limitations ( 7 yrs ), however still reporting on my credit. They are falsely reporting accounts that have been paid off and my credit score is Inaccurate. There are still student loans that were from XXXX still reporting on my account falsely. This is a violation of the Fair Credit Reporting Act. I have disputed many of these items and they are still reporting on my credit falsely.

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 2023-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I'm not sure what the issue is with the credit bureaus but I have tried to communicate with them numerous times about their inaccurate reporting on my credit report. They are not handling this situation in accordance with the FCRA in regards to conducting a reasonable investigation and resolving the problem nor are they abiding by the CFPB 's 60 day investigation guidelines. I have been at this for awhile now and I feel my only option is legal action due to them violating my rights to an investigation on various accounts.

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 2023-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
Closed account with XXXX XX/XX/XXXX which I did not know there was a line of credit balance until I received a letter XX/XX/XXXX stating my line of credit payment was past due. 
Received a statement XX/XX/XXXX with a balance of {$530.00} which I did get a {$25.00} late fee waived. After speaking with a representative from XXXX and they told me my balanced to pay in full would be {$530.00}. I sent a check for {$530.00} XX/XX/XXXX which was posted on XXXX 

I thought the Line of Credit was closed out as I didnt receive any statement for XXXX. XXXX I received a statement stating my new balance was {$86.00} which is Late Fees and Interest and states my previous balance was {$590.00}. Then XXXX I receive another statement stating my new balance was {$87.00}. 

I feel XXXX is taking advantage of the loan and charging interest and late fees and when the line of credit was paid off. 

This is unfair to my husband and I as we are seniors on a limited income and the banking industry is robbing their clients.

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 2023-04-26 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: AL

Complaint narrative:
In accordance with the Fair Credit XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish an 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 2023-04-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I do not have a contract nor any contract with LVNV FUNDING LLC. I have never done business with this company. I am not liable for collect from this debt from XXXX XXXX XXXX XXXX XXXX I am not responsible for this debt from LVNV FUNDING LLC. I am asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXXXXXX XXXX XXXXXXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} & XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$86.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: NY

Complaint narrative:
I opened the account and made payments and when came time to close the account the lender is not excepting my identity verification even thought I sent the verification 10 times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America texted me to contact the fraud department. I ignored the first text because I thought it was a scam. I received another phone call which a voice message was left. This week I received a phone call and a voice message again. I called BOA fraud department and found out someone opened a BOA credit card in my name and it was opened in Pennsylvania. I have not visited or ever lived in PA. BOA stated they would shut down / close the card because transactions were on it in Pennsylvania XXXX Just when you think your good, your not! I'm not sure what else to do now.

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 2023-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit act reporting act XXXX Account # CAPITAL ONE XXXX, has violated my rights.

15 USC 1681 section 602 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 a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on
a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: CO

Complaint narrative:
I am writing to express my deep concerns about the predatory practices and poor customer service that I have experienced with your company. Based on my personal experience and research, it is clear that your company intentionally makes it difficult for borrowers to access their account information, apply for loan modifications or refinancing, and receive accurate and timely responses to their inquiries. 

Specifically, I was locked into a high interest variable rate loan and given false information on repayment options. I have also experienced unresponsiveness from your representatives and received conflicting or misleading information when trying to seek help. This has left me feeling frustrated and hopeless about my ability to repay my loans. 

Furthermore, I am aware of the several legal cases and investigations brought against your company, including the 2014 lawsuit by the Consumer Financial Protection Bureau ( CFPB ) and lawsuits from several state attorneys general. These allegations of excessive fees, misleading information about loan terms and options, and failure to properly process payments are deeply troubling. 

It is unacceptable that XXXX and innocent borrowers like myself are being taken advantage of by predatory practices. I urge your company to take immediate action to address these issues and provide better customer service to borrowers who are struggling to repay their loans. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
Hello Santander consumer finance, XXXX XXXX XXXX XXXX XXXX XXXX got my credit report when it was unauthorized on XX/XX/XXXX XXXX XXXX  none of these companies have any information about me so how is it on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
WELLS FARGO BANK FROZE MY MULTIPLE ACCOUNTS ON XX/XX/XXXX. WELLS FARGO BANK THEN PROCEEDED TO CLOSE MY ACCOUNT ON XX/XX/XXXX WITH NO EXPLANATION BEYOND A PARROTTED ROBOTIC RESPONSE TEMPLATE. WELLS FARGO HAS MADE IT IMPOSSIBLE FOR ME TO EVER BE IN A POSITION TO OPEN ANOTHER CHECKING ACCOUNT, OR ANY ACCOUNT FOR THAT MATTER, WITH WELLS FARGO AGAIN. AFTER RECEIVING AN ACH DEPOSIT FROM A COMPANY IN WHICH I WAS DOING BUSINESS WITH, THE COMPANY, XXXX, THEN TURNED PERFORMED AN ACH RECALL DUE TO A FALSE ALARM. THE COMPANY CONFIRMED THE BUSINESS ACTIVITY AS LEGITIMATE YET WELLS FARGO HAS CONTINUED TO CONDEMN ME AFTER BEING A LOYAL AND FORTHRIGHT CUSTOMER FOR OVER 7 YEARS AT THAT TIME. WELLS FARGO IS BEING EXTREMELY VAGUE AND PASSIVE-AGGRESSIVE WHILE LEAVING ME IN THE DARK IN REGARD TO THIS MATTER. ALL PHONE CALLS HAVE BEEN UNSUCCESSFUL.

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 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I followed an advertisement that Citi had for receiving XXXX to XXXX XXXX XXXX miles. I followed ever thing listed as a requirement. I have included the " Welcome letter '' showing what I had left to complete the requirements. I completed those requirements. Both parties agree that I fulfilled the steps required to receive the miles. The disagreement comes about the initial requirements. They say I did not complete the initial requirements necessary. They stated that I deposited the fund int o the wrong type of account to begin with. I told them that I did and that they even sent an Email welcoming me. 

If I received a welcoming letter... Then what did I do wrong?? They had no answer and that is the last I heard from them.

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 2023-04-26 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: IN

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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