vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Please help me! Paypal is robbing me for {$2800.00}!!! 
I have created a paypal fundraiser to receive donations in order to finance my studies! 
at first I could withdraw small amounts and then all the sudden Paypal froze my account for 180 days! this period has passed and still I can not access my funds! 
Please help me I need my funds urgently!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I decided to check my credit report one day, because I could get any credit from an organization. I was immediately livid to know that someone pulled my credit over 20 times and I havent authorized it, this has absolutely ruined my credit. I have contacted the FTC and have fraud alert placed upon my credit report. Im a victim of Identity theft. This is stressful not being able to get any credit. I havent given any verbal or any written permission for credit inquires to be placed on my credit by the following companies. Some companies have pulled more than once, this is ridiculous. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

-- They DO NOT have my permission to report these LATE payments to XXXX XXXX on my consumer credit report. 
-- I Demand them to be removed and every violation of unauthorized information on my report is a {$1000.00} fine. 

-- Multiple letters have been sent over 90 days ago by certified mail to reporting agencies and XXXX XXXX and return receipts have been received by me. 

-- These unauthorized reports of LATE payments are fraudulent and inaccurate information and my permission has NOT been given orally, in writing, or electronically to report these late payments on my consumer report and I demand them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: TX

Complaint narrative:
Never have been to Texas XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: IN

Complaint narrative:
So, these XXXX  hired SIMM ASSOCIATES in XX/XX/XXXX to collect a debt that I don't owe that allegedly originated in XXXX. When SIMM Associates called, they wouldn't tell me the name of the company without confirming my personal information. I don't do that over the phone so the lady hung up. I get a letter FORWARDED ( because they don't have the right address ) about it being from XXXX XXXX. 

Now, I vaguely remember this place trying to corral a bunch of people to take some sort of online classes for XXXX YEARS ago and I never agreed to enroll in anything. They emailed a bunch of mess and I deleted everything. I never attended a XXXX class or agreed to pay for anything. Therefore, I don't owe XXXX XXXX XXXX, SIMM Associates, or XXXXXXXX XXXX XXXX  XXXX. Stop harassing me. 

I even attached a screenshot of an email from them begging me to apply. Stop playing with me. You're not fooling people with your fake A+ XXXX  rating but there are a copious amount of reviews/stories of your company harassing people who are NOT the debtor you seek. Your XXXX  rating needs to be an F, right along with SIMM ASSOCIATES and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I have a loan with rocket mortgage for two years. I lost many contracts during the pandemic and I was able to save to buy the house. First I want to talk about the process. How I end up paying XXXX out of my pocket just to get in that house. I was dealing with this realtor name XXXX who was working for this company. This was my first house. I didnt know I could of save money for first time buyer but instead they made me pay a total of XXXX to close and the whole process. 

Now two year later lost contracts and now I cant pay my mortgage and I been waiting for mortgage assistance from XXXX or Georgia mortgage assistance and its been 8 months and nothing yet and Im still in the verge to lose my house. 

XXXX XXXX XXXX XXXX XXXX Is the people who sold me the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PAYPAL STOLE ALL DONATIONS I DID RECEIVE TO MY PAYPAL PRIVATE FUNDRAISER FOR THE AMOUNT OF {$2500.00} I CREATED THE PAYPAL FUNDRAISER A WHILE AGO. AS SOON AS I RECEIVED MONEY THE FUNDS HAVE BEEN FROZEN! AND NOW MY BALANCE IS XXXX!!!! 
PAYPAL IS A CRIMINAL ORGANIZATION AND MUST BE PROSECUTED!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo solicited me for a credit card ( by mail, I believe ). The offer was a {$200.00} reward if I made {$1000.00} in purchases within 3 months. I quickly fulfilled this requirement and called customer service after a reasonable amount of time to inquire when I would receive my {$200.00} bonus. On that call, I was simply told it takes awhile. 
On XX/XX/XXXX, I called again and was transferred several times to different departments ( I was on the phone for XXXX minutes without resolution of the issue ). The last person I spoke with said the matter would be escalated for research and I would receive a call back on XXXX. That never happened. 
I suffered a great deal of damage to my home during Hurricane Ian and I really could use the {$200.00} now more than ever in order to help meet my emergency expenses. Any assistance you can offer would be greatly appreciated. Thank you in advance.

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 2022-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
JP Morgan & Co has failed to keep giftcards from XXXX -Three cards have been compromised or are inaccessible to maintain even though my records indicate there should be a balance. 

I have the card numbers as well & attempted to have JP Morgan investigate what is going on, but they won't help They recently denied me credit for XXXX cards stating I'm not a super high valued & wealthy client with trillions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA. 

I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your noncompliance. It has been over 45 days since your receipt of my original request to investigate the remove the following accounts, and you have failed to comply with the FCRA. 

In good faith, I ask that you please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : I ask that you remove the following unauthorized inquiries that remains on my credit report. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within XXXX business days after the completion of the reinvestigation.I DO NOT CONSENT TO E-OSCAR FOR VERIFICATION.

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 2022-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
The problem is with the XXXX XXXX AAdvantage card administered by Barclays. I got a call from the credit card company on XX/XX/XXXX that questioned a charge from XX/XX/XXXX on our account ending in XXXX. We said it was improper charge. As a result they suggested we close that account and were told that we would be issued a new card that we would receive in 7 to 10 days. To date, we have NOT received that card. 

I went into my account online and found that there had been charges to the NEW ACCOUNT that APPARENTLY ending in XXXX. Again, I have not received a new card OR ACTIVATED IT but there were charges anyway. Among the charges was ANOTHER FRAUDULENT CHARGE BUT TO THE NEW CARD ( XXXX ). I HAVEN'T RECEIVED OR ACTIVATED THE XXXX CARD. HOW CAN THEY ACCEPT CHARGES TO THE NEW NUMBER WHEN IT HAS NOT BEEN RECEIVED OR ACTIVATED? The suspect charges had slightly different names but were for the same amount of {$120.00}. Clearly, both were from the same company in CA. 

I called Customer Service to dispute the latest charge of {$120.00}. She closed the XXXX card ending in XXXX that I had not even received let alone activated! However, in discussing the problem with Customer Service, I accidently found out that, upon closing the second card ( XXXX ) ANOTHER CARD WAS TAKEN OUT AND ACTIVATED ending in XXXX!!! WHAT KIND OF SECURITY IS THAT???? When I complained and asked to talk to a supervisor I was cut off. 

I went back into the website and IMMEDIATELY cancelled my account. 
THIS IS GROSS NEGLIGENCE.

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 2022-10-08 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: TX

Complaint narrative:
Earlier this year, there was a total of nearly XXXX hacking attempts to my Venmo Account. It is account I have used once, maybe twice. 

I reached out to Venmo explaining to them that I was furious this happened, and asked if they could provide any details on the breaches, who was attempting them, what region -- they had no information. I probed them further on any potential data breach -- they had no information. 

I felt very unsafe about this. As the account was still open and active, I requested they close the account. I was told I didn't have to close the account, they could freeze it. They tried to make it seem as though closing the account and freezing the account was virtually indistinguishable. I kindly let the representative know, I didn't want to do that, because I didn't use Venmo and we should close it. I ended the call thinking the account would be closed. 

I was wrong. Venmo decided to keep the account open, but it it in a frozen status -- and they are not the same. Once an account is frozen, per Venmo, it can not be closed. In order or it to be unfrozen, Venmo is requesting my government ID ( passport, SSN, Drivers License ). This was not required when I opened the account, and had they granted my request to close it at the time of my phone call in XXXX, this would not be necessary. More importantly, the person or people trying to hack my account can still make repeated attempts while it is in this state. In fact, I myself can still log into the account do all sorts of things. So why would I have casually agreed to this, knowing that my account would not only still be in jeopardy, but that I would be riddled and pelted with endless emails of the login and hack attempts some months after raising my concerns with them. 

I have no confidence in Venmo 's ability to handle my government-level identification. They know this. They refuse to close the account, and instead, I have had several additional hacking attempts to the account. I am very concerned about Venmo 's intentions with my government-ID. I've been advised by legal counsel to absolutely never send any organization such levels of identification, if they have shown impropriety before. 

Payment apps like this, the number of subscribers or users they have is key to their market value, which is why they don't want me to close the account. It is why they manipulated their power to keep the account open, when they could have closed it. So as far as they are concern, they can continue to pander to investors that they have x, y, z millions of users -- active or inactive, it doesn't matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion has consistently provided false information to the CFPB, on XX/XX/2022 I submitted a CFPB complaint about TransUnion XXXX failure to do a proper investigation into my dispute. TransUnion closed out the complaint today on XX/XX/2022 stating that their investigation was completed. However this a FALSE STATEMENT, I have enclosed evidence that TransUnion has not even started the complaint until XX/XX/2022 and the complaint is still in progress as per their own website. I have enclosed proof of TransUnion, s violation of the FCRA ONCE AGAIN. Disputed Account XXXX : XXXX BANKRUPTCY/ Account Number : 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 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA. 

I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your noncompliance. It has been over 45 days since your receipt of my original request to investigate the remove the following accounts, and you have failed to comply with the FCRA. 

In good faith, I ask that you please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : I ask that you remove the following unauthorized inquiries that remains on my credit report. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within XXXX business days after the completion of the reinvestigation.I DO NOT CONSENT TO XXXX-XXXX  FOR VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a letter to Transunion requesting that they remove inaccurate credit information from my credit report. In that letter I specifically requested that XXXX XXXX and XXXX XXXX be removed from my credit file. These two accounts are currently reporting a " XXXX Offs '' Tranunion followed up stating that the inccurate information was verified as accurate. I sent another letter XX/XX/XXXX asking that the information be removed and I recieved a response back stating account information is accurate dated XXXX. I sent another letter XXXX asking for method of verification and I recieved letter date XXXX which was a stall tactic letter stating that I didn't appear that I actually sent this letter as if a credit repair company sent the letter which is inaccurate. Transunion as violated the following laws and has caused me damages as a result to inaccruate reporting. Transunion has violated federal law under FCRA. 15USC1681 602 ( A ) 15USC1681 604 ( A ) section 2 15USC1681 ( s ) 2. A Charge Off, according to the IRS, The IRS considers any canceled or forgiven debt as income. 26 CFR 1.61 Gross income can not be reported on my consumer file only debt. A charge off means that both XXXX XXXX and XXXX XXXX filed these accounts as a loss with the IRS, therefore these tradeline need to be removed from my file which Transunion has failed to do so after multiple request.

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 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Home address are different from different bureau

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 2022-10-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I paid for a puppy and shipping in the total amount of XXXX XXXX {$500.00}, {$400.00}, and {$1000.00}. I never received the puppy to this day and this happened back on XX/XX/XXXX and XX/XX/XXXX. I reported this to the bank on XX/XX/XXXX after the shipping company asked for more money, I refused and they said youre about to lose everything. They Citizens bank has continued to refuse to help and give me my {$1900.00} back as they say it was an authorized payment. If I didnt agree to pay for the puppy I never would have got the puppy. 

I have all the screenshots of everything if you would like it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish an account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation