vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: MicroBilt / PRBC (formerly CL Verify)
State: TX

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my XXXX consumer credit report sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Last year, I did a pre-order release where the customer pays and waits 15 days for production. I use the XXXX platform and have PayPal as one of my payment options. Previously, I always had a very low dispute/refund percentage. 

Now, I put the pre-order online, and a significant amount comes into my business PayPal account. ( XXXX ) PayPal holds this entire amount for 180 days to potentially refund any disputes to the customer. Not only do they hold my money, but they also 'freeze ' my account, which means I can't do anything, not even refund the customer whom PayPal claims to be protecting. 

Some customers cancel their orders or exchange their items, e.g., one pair of pants for one hoodie. I want to refund the difference to the customer ( 15 ). 

However, I can't because PayPal has frozen my account to 'protect ' the customer. The customer waits too long, so they make a claim via PayPal, which results in PayPal refunding the ENTIRE amount to the customer instead of the 15 difference. PayPal doesn't use the held funds to refund this dispute but instead puts my balance into the negative. 

180 days pass, I contact them to release my money. PayPal says they will do this within 24 hours. I contact them after 2 days to ask when this will happen, only to be told they have decided to hold my money for an EXTRA 180 days. 

Meanwhile, disputes keep coming in. PayPal keeps refunding the full purchase amount XXXX XXXX XXXX to the customer instead of the difference that should be refunded XXXX XXXX XXXX 

As a result, the customer gets their order completely free. They charge an extra fee of XXXX per dispute. 

My balance keeps going below XXXX, and I have to constantly refill it with private funds, only to be told that my money is still being held. 

What can I do, or where can I report this? My business is suffering enormous financial damage and damage to my reputation. 

I try to help the customer, but PayPal freezes my balance, making the customer think I am making excuses not to refund the XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Park Hill Holdings
State: TX

Complaint narrative:
I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copy of my SafeRent report sent to me via mail.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my Early Warning consumer credit report sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Never received any notice of garnishment from debt collection nor was aware of this debt. Was aware of this action on my paystub XX/XX/XXXX in the amount of XXXX. Then debt collector continued to garnish more from pay on XX/XX/XXXX in the amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: TX

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2024-01-11 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
I opened a checking account XX/XX/2023. I deposited a XXXX of Maryland check of {$100000.00}. I received a hold email that a hold is placed on my check until the XXXX of XXXX. Come the XXXX of XXXX they still didn't release the hold. I spoke with support and they told me the check is cleared and I will be able to access my account on the XXXX due to the holidays, okay fine. Come the XXXX of XXXX, I wasnt able to access my online account. I called support spoke to a XXXX about what's going on. This XXXX told me I'm pending closure and because my account was technically closed the day after my deposit was then returned to the State of Maryland ( which ended up being an entire lie because I spoke with the State of Maryland after speaking with the XXXX that it was indeed paid and deposited on the XXXX of XXXX. ) So after I called the branch nearest me to see if I can come to the branch and get my money. He called me back and said they already started processing the check and it'll be set out but couldn't even give me a time frame. I called XXXX separate times since to check on the status- everyone keeps telling me there's no set time for my check to be set out. What kind of craziness is this? I called again today hoping I would hear something different and this time I did... The gentleman told me I wouldn't receive my check for another XXXX months!!!! Oh absolutely not. I have funds that are rightfully mine there's no reason it takes that long. I will lose everything if it takes that long all because of his bank that decided to close my account without notifying me nor allowing me to pull my money out. This is wrong. Absolutely wrong. I'm hopeful you can help me retrieve my funds faster PLEASE!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-11 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copy of my Experian RentBureau report sent to me via mail.

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 2024-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute a debt of {$190.00} ( XXXX account ) allegedly owed to XXXX XXXX. I want to emphasize the seriousness of this matter and the significant potential harm it's causing my XXXXredit score. They have failed to provide me with any documentation or information as to the validity of the date of this debt, or it's origin. They have also failed to respond to any attempts I have made to procure information on this debt. 

There are several discrepancies with this claim that raise considerable red flags : - Account Origin : The account in question was purportedly created in XXXX. However, I did not own a car or have any insurance policies with XXXX during that time. This timeline discrepancy casts serious doubt on the validity of the debt. 

- Pandemic Context : Furthermore, it's important to consider the context of the global pandemic in XXXX  and XXXX. During this period, driving restrictions and lockdowns were widely implemented. It's illogical to suggest that I incurred significant insurance charges when vehicle usage was heavily curtailed. 

- Credit Score Damage : The presence of this inaccurate debt on my credit report is causing significant damage to my financial standing. This could negatively impact my ability to secure loans, rent apartments, and access other essential services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

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 2024-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: IA

Complaint narrative:
So in the beginning we were trying to purchase a home through XXXX XXXX funding which fell through because the company had proceeded in some less than reputable ways that resulted in our personal loss of money and straining relations with the seller of the house. Enter rocket mortgage who originally had given us the impression that we would be able to get an FHA loan and have optimal loan options available. However as we got closer to closing the option that we were given resulted in a less than optimal choice which resulted in us being cash broke and having a high mortgage payment, higher than most people in our neighborhood. The only reason why we agreed to the terms of this loan was because we needed to sail to go through as we were in a dire situation and we were reassured that we would be able to refinance within 6 months of the sale as well as being able to pay dividends weekly as the mortgage was high in general, double what we were paying and rent beforehand. As it sits right now the loan is a conventional 15 year loan that we have now accrued over {$700.00} in late fees on as a result of paying as we were originally assured we'd be able to pay. Because of this they are no longer accepting payments and we are in danger. We are and have been in contacts trying to resolve this issue pleading with them to extend the terms of our loans and refinance our mortgage however we've come in and nothing but conflict and resistance forcing us to even higher levels of mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

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 2024-01-11 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Dispute # XXXX Filed on XX/XX/23 I called to report my phone stolen and to report fraudulent pay anyone transfers ( chime user to chime user ) Firstly I reported my phone stolen and that someone was using it to send themself money to their chime account. Im not sure why on this date the other account is still active as I can still see it in my payment history. Also chime was overdue on my temporary credit so they denied the dispute without investigating. They NEVER provide me with the documents used to deny ANY of my disputes. Chime has absolutely done no investigation on this dispute unless they have and allow users to behave in the way XXXX does. I do not know that person and they sent themself money from my account using my stolen phone. All of my personal documents and phone were stolen. Chime has done nothing to help me get my money for any of my disputes. Now they tell me rebuttals no longer get temporary credit on or before the 10th business day and I do not see any of that new information on their website, it makes me feel as if im being blacked out of temporary credit for any rebuttal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my Teletrack  consumer credit report sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
According to the IRS canceled debt MUST be reported as income when a consumer file taxes according to the publication XXXX ( XXXX  ), canceled debts, foreclosures, repossessions, and abandonments. 

This company is refusing to provide me with a 1099-C to report my income and they are refusing to DELETE the reported account from my consumer report which income is not apart of a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: FactorTrust, Inc.
State: TX

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my XXXX consumer credit report sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2024-01-11 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
I received text message overnight ( while sleeping ) that said a Chime account was setup. I then checked email and had receive

d two emails stating account almost there and a debit card would be mailed to me. I called number on email, after checking it was a number that belonged to the company. Kept disconnecting me after I said " Fraud '' and it said transferring to customer service, though it said it recognized my phone number ( for security purposes ) when I called. I tried choosing stolen card. The automated system also said they would send new card and proceeded to list my address. Chose needed help setting up and finally got human. They wanted complete spelling of my name, last 4 of my social, and d
ate of birth. I declined. They said they didn't have access to account information when I said you have texted, emailed and called me, so you have this information ( and their auto system said my phone number and address ). They said I should get their app to get account number. I declined. They would not assist in closing the account, but proceeded to tell me to check credit reports and identitytheft.gov. I see online they have asked many others for same when they stated fraudulent account setup, they also ask for drivers license picture and picture of you with that license.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: AR

Complaint narrative:
I paid XXXX $ to XXXX XXXX for DDA ChexSystems and they told me my credit would be fixed and I will be able to open an account with in 3 days, almost 10days went by I called to check on the clearance and a support advocate answer the phone disrespectfully so I ask for my refund then the advocate start to say XXXX XXXX  and XXXX  XXXX  me I have multiple recording of different advocates showing bad customer support and constantly giving me false statements that my money been refund but when I called my money account they said they havent received no refund of deposit or had on pending so at this point my money getting hoarder and I have recording of me calling and they not answering cause they know why Im calling I have proof they know when I call cause I have recordings of them answering the phone and stating my last name as they first words of choice.

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