vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
I have an account with PayPal. I own bitcoin held in my account. I want to transfer my bitcoin out of PayPal to another account and Im not able to. I first tried in XXXX and the multiple attempts due to glitches with their app was finally successful transferring some of it on XX/XX/XXXX. They only allow a maximum of {$10000.00} per transfer, so I still have quite a bit left with them. I have not been successful in transferring anymore out since XX/XX/XXXX because their website/app keeps crashing saying there is an error and try again. After multiple phone calls to customer service who tell me I am the one locking my account due to too many attempts Its being flagged as fraud. So I wait their requested 48 hours and it still doesnt work. They tell me the system resets on Fridays, so I have tried after that and still doesnt work. Finally a manager admitted that they have technical problems on their end that engineering is trying to solve. In the meantime, they are holding my bitcoin XXXX  as I do not have access to it. I want to transfer it out of PayPal before XX/XX/XXXX and dont see that that is possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
wrong address on file! I have wrote them several times I have certified mail receipts ... .I might need to be considered in the lawsuit against the bureaus the one from XXXX ... .update and correct my address or I will file lawsuits for inaccurate infomation I cant get insurance because of these address errors.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
wrong address on file! I have wrote them several times I have certified mail receipts ... .I might need to be considered in the lawsuit against the bureaus the one from XXXX ... .update and correct my address or I will file lawsuits for inaccurate infomation I cant get insurance because of these address errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
In XXXX I made a cash advance on my Wells Fargo card. I then made a payment to cover cash advance. I was told I had to pay minimum payment and anything after that would go towards higher interest rate. I made a payment of {$2600.00}. They refunded {$2500.00}. I then made another payment, it was applied to lower interest rate. I filed a complaint with WF and they said that this would be corrected, it has yet to be corrected. I have tried to rectify this Wells Fargo every month with no resolution. 
I told them I wanted to record conversations as they did and they would not allow, said private information was being discussed ... .I have told them on several occasions I understood why they do not allow recording by the consumer because no 2 people ( out of approximately 10-12 ) that I have spoken to have given me the same answer why this was happening.

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 2023-12-27 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: MO

Complaint narrative:
3 complaint closed today without addressing the issue and once again giving explanations that have nothing to do with the problem

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 2023-12-27 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: CA

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
I have asked the company several times. Actually about 10 times to stop calling my jo. The company will not stop and have continued after stating NOT. My account has notated at least 5 times. They refuse to stop. I am asking that they stop calling XXXX immediately!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The credit card I have is XXXX. I have never missed a payment with them but yet they are reporting a late payment on my credit. I had a XXXX  balance on the months that they said I missed which no payment was due. They said they would fix it but never did. I disputed it and still nothing

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 2023-12-27 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: PA

Complaint narrative:
The credit card I have is XXXX. I have never missed a payment with them but yet they are reporting a late payment on my credit. I had a XXXX balance on the months that they said I missed which no payment was due. They said they would fix it but never did. I disputed it and still nothing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: PA

Complaint narrative:
The credit card I have is XXXX. I have never missed a payment with them but yet they are reporting a late payment on my credit. I had a XXXX balance on the months that they said I missed which no payment was due. They said they would fix it but never did. I disputed it and still nothing

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 2023-12-27 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-12-27 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: TX

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: FL

Complaint narrative:
I was trying to buy a house and all of these negative items appears on my credit report. According to the laws 15 U.S.C 1681 law damage on my report. Remove all fraudulent account immediately. This is a defamation of creator. This for XXXX XXXX, Experian, 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 non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I opted in to utilize my payment protection benefit with my Destiny credit card. I provided all required documents and information timely on XX/XX/2023. The payment protection did not process my request and initiate payment until after my due date in XXXX. The benefit request had XXXX months or ample time. 
As a result, destiny credit card reported to all three credit bureaus that I was late in XXXX. Creating a hardship and damaging my credit score significantly. 
I am aware that I should be making my minimum monthly credit card payments. But, obviously I was experiencing financial hardships and it should had never taken XXXX months to process my request. 
If I was missing some thing, I should had been told every week when I called into the go benefit customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: LA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, have been a victim of identity theft due to the XXXX Data Breach and the XXXX  XXXX Data Breach, which exposed all of my personal information as a XXXX  resident. I'm XXXX years old and have been doing an excellent job of watching my credit report when possible. Still, unfortunately, I have been a victim of identity theft, and my credit report is not reflecting accurately with several inquiries that are not mine, not of my knowledge, and due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no account with the companies below, and the identity theft inquiries are as follows.

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 2023-12-27 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: NCB Management Services Inc.
State: GA

Complaint narrative:
XX/XX/2023 ( {$19000.00} ) NO ACTION WAS TAKEN GIVEN ME THE RUN AROUND.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: AK

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

XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-12-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I was contacted by XXXX XXXX XXXX on XX/XX/2022. I don't know who I was speaking to, because there's always new management personnel. I was asked when will I be paying my XXXX, rent? I said why would I do that, I moved. I was asked when did I move. I said XX/XX/2022 I was asked did I leave the keys. I said of course. I was asked with who I said the new gentleman that works there. I was asked, did I sign release of the apartment I said yes. I wasn't contacted again until XX/XX/2022 by email saying I owe 2 months rent and cleaning of the apartment. I told them I had proof I moved. I don't know why it's being ignored. I also emailed XXXX XXXX saying I wouldn't be renewing my lease. I was just laid off work I couldn't stay there even if I wanted to. XXXX said I owe XXXX, XXXX dollars. I'm disputing this charge. I notified them I wouldn't be renewing the lease. I vacated the premises on XXXX XX/XX/2022. I have my truck lease my storage lease, and proof when my utilities were cut off. I wasn't living there. They're trying to charge me for water and sewage I never signed a lease to pay water and sewage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I'm resubmitting my complaint with Ally because they are not being transparent. They've contacted me several times after I asked them not to.

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 2023-12-27 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: PA

Complaint narrative:
I currently have accounts on all three of my credit reports.

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 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I opened a capital one venture XXXX  card in XXXX XXXX the card offers a XXXX bonus mile promotion for spend in the first few months on the card and also offers the ability to convert miles to loyalty currency at several capital one partners. 

Once I established my account, I tried to go into the part of the online portal to link my other loyalty accounts in preparation for using the convert miles feature. When I tried to access that part of the site, I received a XXXX two-factor auth challenge asking me to verify my phone number. I entered my phone number, and it said the number could not be found. 

After XXXX phone calls to Capital One to try and solve this issue, I'm still not able to access this part of the site. The last XXXX representatives I spoke with said this is a security challenge working as designed and could give no information on when or if I would ever receive access to this feature. 

The phone number is mine, and has been for over 10 years. It's the same number used on the application and at login for authentication. there are no other verification options available to access this part of the portal. 

This bonus and conversion feature are why I signed up for the card. and capital one has not provided me any justification for why I would not be able to access this part of the site. I have a time sensitive purchase to make using this, and I'm not able to use it. It's effectively deceptive advertising to provide no explanation and no alternative for why I can't access this part of the portal.

Company response to consumer: Closed with explanation