vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am writing to file a formal complaint against Venmo for grossly violating my consumer rights. Despite repeated attempts to resolve an issue, Venmo has continuously hindered my requests and ignored communications from my bank, XXXX, regarding a dispute that has already been resolved and completed. 
in XX/XX/2023 My bank initiated a fraud dispute from venmo on XX/XX/XXXX for XXXX $ for XXXX XXXX CASE ID # XXXX However, upon further review, I realized that the dispute was not necessary, and I promptly requested its withdrawal. This withdrawal was not made in favor of either party but was a mutual agreement to resolve the matter amicably. 

Following this request, XXXX swiftly acted upon my instructions and officially withdrew the dispute, as documented in the attached letter from XXXX Despite providing this official documentation to Venmo, they have persistently disregarded the resolution and continued to treat the matter as unresolved. 

Furthermore, Venmo initially assured me that providing the letter from XXXX would be sufficient to resolve the issue. However, upon receiving the official letter, Venmo suddenly claimed that it was not enough. This inconsistency in their response is highly concerning and demonstrates a lack of transparency and accountability on their part. 

Additionally, I have encountered numerous obstacles in my attempts to communicate with Venmo regarding this matter. Multiple representatives have either abruptly ended chats or hung up on my calls. In an apparent attempt to avoid addressing my concerns, Venmo even removed the option of chat from my means of communication after I initiated chats daily to seek resolution. When I requested to speak with supervisors or managers, I was either ignored or transferred to another low-level representative, further exacerbating the issue. 

Furthermore, Venmo has frozen my account and informed me that they would be closing it. However, it has been more than 90 days since they took this action, and my money remains inaccessible, leaving it in limbo. 

This prolonged delay in resolving the matter and withholding access to my funds is unacceptable and adds further distress to an already frustrating situation. 

I urge the XXXX XXXX XXXX to thoroughly investigate this matter and take immediate action to rectify the situation. Venmo must be held accountable for their actions, and measures should be implemented to ensure that consumers are treated fairly and that their rights are protected. 

Thank you for your attention to this matter, and I trust that swift action will be taken to address these concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consume report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy along with. I demand the removal of these accounts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: NJ

Complaint narrative:
I was looking at my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX ( b ) billing error. The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor did not notify me 21 days before with a statement, so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late because this is clearly a billing error. The items below should all be updated to PAANL ( paid as agreed never late ) on my consumer report. XXXX MORTGAGE SERVICES, XXXX LOAN SERVICING, XXXX XXXX, XXXX XXXX XXXX XXXX As a consumer, by law the accounts in this letter must be updated immediately because my rights have been violated. Consumer laws XXXX XXXX Code XXXX, XXXX XXXX XXXX XXXX Responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors. You are also in violation of XXXX XXXX Code XXXX XXXX ( A ) ( i ) EXCLUSIONS Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section XXXX of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. Please update my credit report to PAANL ( Paid as agreed never late ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: VA

Complaint narrative:
Dear Complaint Service Team, I am writing to seek urgent assistance regarding an issue with a missing instant deposit from my Cash App to my XXXX XXXX business account. On XX/XX/XXXX, at XXXX am, I initiated an instant deposit of {$300.00} from my Cash App account to my XXXX XXXX business account. However, despite Cash App confirming the deposit, the funds never reflected in my XXXX XXXX account. 

I have contacted both Cash App and XXXX XXXX XXXX XXXX through chats, support requests, and customer service calls, but I have not received any resolution or assistance in recovering my missing funds. Cash App provided me with the following transaction details : - Deposit Amount : {$300.00} - Date of Deposit : XX/XX/XXXX at XXXX am - Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX - Last XXXX of Debit Card : XXXX - Transaction ID : XXXX I believe that the Transaction ID provided by Cash App should enable XXXX XXXX to trace the deposit. However, XXXX XXXX has been unable to locate the deposit, and both Cash App and XXXX XXXX seem unwilling to take further action to help me recover my funds. 

I am willing to provide any necessary information to assist in resolving this matter promptly. Please advise me on the next steps to initiate an investigation and recover the missing deposit. I am attaching the requested information below and stand ready to provide any additional documentation required. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
They refuse to correct any issues on my account. The amounts and the schools that's associated with my account is incorrect. I received a letter years ago saying some of my student loans will be dismissed and Mohela don't even have a record of the school ( XXXX XXXX ). They took XXXX school and added about a XXXX loan to it. The school don't even cost that much ( XXXX XXXX ). I have been asking for years for this to be corrected. They keep taking my account off the income driven repayment plan and put it on forbearance. They do not have the correct time I have been on the income driven repayment plan. They blame the XXXX XXXX XXXX  and will not fix it or take responsibility. I was on the income driven repayment plan long before I was forced to go with Mohela. Then they sent me a bill for oveXXXX XXXX XXXX  monthly after I received a letter saying my payments was {$0.00}. Mohela is the worse serving company. The wait times are hours and then they still don't help you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: NJ

Complaint narrative:
Hello how you doing name is XXXX XXXX. I'm writing you today i seen that this alleged charge off collection account was reported to my profile without any type of written consent according to XXXX XXXX XXXX XXXX permissible purpose. I demand that the company show me any type of letter has giving them permission to provide to my credit profile they had fail to due so. I demand you to delete this off my profile in the next 4 days. XXXX XXXX code XXXX permissible purposes of consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with written instructions of the consumer to whom it relates.

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 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
When I signed up for the loan, it was XX/XX/2021. I needed it to buy furniture and I applied for the loan, was approved but they added other add ins to the loan which didnt make sense but I went along with it. The loan was for {$3000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
The account was a collection. It already removed on my account. Know the add it on my profile has in open account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc.
State: IN

Complaint narrative:
My dasher direct account was charged twice at a XXXX  and I did not use my dasher direct card. These purchases were on XX/XX/2024. I contacted the help line through XXXX  filed for fraudulent charges paid to block my card and ordered a new one. They emailed me stating that it was not fraudulent because it was a chip purchase but I did not use my card... I did use the company red card to make purchases for customers the day prior which was the only XXXX purchase I have ever made. I spoke with a representative and she just kept telling me that I was paid for the dash which was not even my concern as I was calling about purchases I did not make. After getting nowhere with her I asked to speak with someone else and recieved a call asking for my information and a screenshot on the charges and he would call back and never has. I am out {$68.00} for the charges I did not make and {$5.00} for a new card. Plus not being able to use the money in my account until the new card arrives.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Issue : ** Despite clear evidence of violations provided, Experian has chosen not to remove the debt, even though there have been no changes to report. **Experian Violations : ** 1. **Failure to Provide Comprehensive Verification ( Code : XXXX ) : ** Experian failed to conduct a reasonable reinvestigation within the mandated timeframe, as evidenced by inadequate documentation from XXXX  XXXX XXXX . This violates FCRA Section 611 ( a ) ( 1 ) ( A ) and the corresponding Metro 2 standard, Field 76. 2. **Delay in Responding ( Code : XXXX ) : ** Experian did not respond within a reasonable period despite my letter dated XX/XX/2024, violating FCRA Section 611 ( a ) ( 1 ) ( A ) and the Metro 2 standard, Field 79. **XXXX  XXXX XXXX Violations : ** 1. **Failure to Provide Comprehensive Verification ( Code : XXXX ) : ** XXXX XXXX XXXX  's documentation inadequately ties the debt to me, violating FCRA Section 611 ( a ) ( 1 ) ( B ) and Metro 2 standard , Field 76. 2. **Neglecting to Address Dispute ( Code : XXXX ) : ** XXXX XXXX XXXX  failed to promptly investigate and address my dispute, breaching FCRA Section 611 ( a ) ( 2 ) and the corresponding Metro 2 standard . 3. **Shifting Burden of Proof to Consumer ( Code : XXXX ) : ** XXXX XXXX XXXX inappropriately shifted the burden of proof to me, violating FCRA Section 611 ( a ) ( 6 ) and its Metro 2 counterpart .

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 2024-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collection Systems, Inc.
State: MT

Complaint narrative:
This alleged debt originated from a homeowners and auto policy from XXXX XXXX XXXX XXXX. During the policy period, they transferred funds paid by escrow from our home owners policy and applied it to a separate auto policy thus creating a shortage on out premium for the home owners policy without notice. This lead to the cancellation of our homeowners without our knowledge. We learned about this from our mortgage company when we received a notice of intend to foreclose for not maintaining insurance on our home. We quickly engaged another company to provide insurance. 

On XX/XX/XXXX, we filed a complaint with the XXXX XXXX Montana XXXX, XXXX XXXX XXXX XXXX XXXX, case number XXXX. XXXX XXXX XXXX handled the investigation. Upon completion on XX/XX/XXXX, XXXX XXXX XXXX XXXX was found " at fault ''. 

The ruling forced XXXX XXXX XXXX XXXX to change their method of conduction business within the XXXX of Montana. Additionally, XXXX has issued us a refund of {$100.00}. 

Through the adjudication process, it was deemed that all accounts were settled and this was confirmed by XXXX XXXX. 

On XX/XX/XXXX, I was contacted by a Collection Agent, XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX. They were attempted to collect a debt of {$1600.00} allegedly owed to XXXX. Even though I supplied this with the legal information from the XXXX of Montana, they placed this on my credit report. They had no interest in verifying the information from the XXXX of Montana. I ended up paying them {$1600.00} in order to remove the negative reporting on the credit bureaus. 

Now that I have completed my real estate closing, I am seeking to correct this wrong and recover the {$1600.00}.

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
The federal government automatically transferred my students loans to XXXX 2 years ago from Aidvantage. There is a duplicate of the loan stuck on my credit report for Aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This Complaint is against Wells Fargo Bank for allowing Fraudulent Transactions to take place in my account, after I had everything put in place due to identity theft to prevent this -- specifically I had my accounts deactivated and disabled. ( 86 ) Unpaid Fraudulent Transactions remain, and due to the # of Fraudulent Transactions, they will be listed on Several Complaints. 
-- As Follows -- in order : -- 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2024-03-23 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: PA

Complaint narrative:
I checked with Experian my XXXX XXXX day randomly had XXXX on it with an XXXX $ XXXX balance on it. 
Ive been trying to get Experian to remove it and every time XXXX sends me a letter in the mail with no number on the back and an Account number missing like XXXX digits. 
Ive put in a Police report and Filed with Attorney General I believe this was done by an old associate of mine at XXXX XXXX XXXX XXXX in XXXX, PA. 
I noticed this charge on my Credit around XXXX of 2023. And been non stop on disputing it.

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 2024-03-23 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: IL

Complaint narrative:
I check my credit report and saw inaccurate information on there. it hurting me from getting a house for me and my family. please remove this information immediately. rc/resurgent recivable account number XXXX opened XX/XX/year> past due {$460.00} but reporting on XXXX balance update XX/XX/year>. how is this possible if the account was opening XXXX. please fix

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I check my credit report and saw inaccurate information on there. it hurting me from getting a house for me and my family. please remove this information immediately. XXXX XXXX account number XXXX opened XX/XX/2024 past due {$460.00} but reporting on XXXX balance update XX/XX/2024. how is this possible if the account was opening XXXX. please fix

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 2024-03-23 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:
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 is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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 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 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 explanation
Consumer complaint received 2024-03-23 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:
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 is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief