vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have been a card member for almost 20 years of American Express. In XXXX 2023 I requested a heads start miles advance on two American Express Delta cards that I have. One a Delta Reserve and the Other a Delta Platinum. Both Amex cards. These advance skymiles were to be paid back over the next 6 month period initiated by Amex. Over the course of the 6 months I noticed that Amex did not take all the points that were advanced to me and made XXXX aware as I did not want any issues in being charged back for the miles borrowed and not repaid. This is at which time I was told by a Amex representative that unfortunately the balance of the miles needing to be repaid had to be earned specifically and paid back by each card and couldnt be used in combination. So even though I had more than enough delta sky miles to pay Amex back from purchases on there cards they would not take my miles from a combination of both cards. This is a matter of pure semantics. No consumer would know that they had to use a specific american express card to pay back miles to a specific card only for specifically the amount borrowed on that one card. They are BOTH AMERICAN EXPRESS DELTA CARDS. Money spent on American express, the same card issuer with the same partner XXXX. Now they want to charge me over {$3800.00} to repay them for miles that have been in my account for 6 months, available to them to withdraw, and further will not allow me to dispute the charge. This should not be legal and frivolous acts by creditor. They are saying I owe them approx XXXX miles when I have had over XXXX miles in my account available for withdraw within the 6 month payback period. I have called in at least 6 times on record to escalate the matter to executive office of which there is zero phone number they will give you to handle such matters and totally unacceptable. I will also be reporting this to the banking commission. I spend a XXXX  XXXX dollars a year on my American express cards and this is absurd the amount of time this has taken me to get this situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
I am in Bankruptcy. My bankruptcy is going through XXXX XXXX XXXX XXXX WV. Before bankruptcy I had used a debt consolidation company ( XXXX XXXX XXXX XXXX in Michigan ) to take care of my credit card debts. XXXX XXXX has been fighting me from the beginning of the debt consolidation. I went to use my checking account this morning ( XX/XX/23 ) and found out that my account had been put on a freeze ( hold ) for {$18000.00}. This therefore put me in overdrafts and can not access the money that originally was in the account. I have called and visited the bank, called the lawyer on the paperwork that was served to me this morning ( XX/XX/23 amount on paperwork is {$17000.00} ). The lawyer 's name is XXXX XXXX with XXXX XXXX XXXX XXXX. I contacted both lawyers ( theirs and mine ) and it seems no one can remove the hold on my account till lawyers meet. This will not happen for several days due to the holidays ( XXXX ). My major complaint is that they accessed my account and put it in overdraft and charged money that I do not owe. This company has not communicated with me in any way whatsoever to try to see if this debt could be resolved before locking my account! I also do not have access to money to feed my children or pay my bills to keep a roof over their heads. Can you please help us.

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 2023-11-21 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: Early Warning Services, LLC
State: CA

Complaint narrative:
This account is In result to XXXX XXXX 

1022.142 Prohibition on inclusion of adverse information in consumer reporting in cases of XXXX XXXX.

( a ) Scope. This section applies to any consumer reporting agency as defined in section 603 ( f ) of the FCRA, 15 U.S.C. 1681a ( f ). 

Prohibition on inclusion of adverse information of XXXX XXXX. A consumer reporting agency may not furnish a consumer report containing any adverse item of information about a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation as defined under paragraph ( b ) ( 6 ) of this section to the consumer reporting agency. 
( d ) Method of submission to consumer reporting agencies ( 1 ) Mailing and website address. A consumer reporting agency must provide two mailing addresses for a consumer or consumer representative, as described in paragraph ( b ) ( 6 ) ( ii ) of this section, to send a submission consisting of an appropriate proof of identification under paragraph ( b ) ( 1 ) of this section and XXXX documentation under paragraph ( b ) ( 6 ) of this section. A consumer reporting agency may also establish a secure online website portal for a consumer to upload a submission. A consumer reporting agency must accept a submission sent to the mailing and, if applicable, website address used for disputes under section 611 of the FCRA, and must accept a submission sent to a mailing and, if applicable, website address dedicated to blocking adverse items of information resulting from a severe form of XXXX  in persons or XXXX XXXX  under this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: Absolute Resolutions Corp.
State: CA

Complaint narrative:
This account is In result to XXXX XXXX 

1022.142 Prohibition on inclusion of adverse information in consumer reporting in cases of XXXX XXXX. 
( a ) Scope. This section applies to any consumer reporting agency as defined in section 603 ( f ) of the FCRA, 15 U.S.C. 1681a ( f ).

Prohibition on inclusion of adverse information of XXXX XXXX. A consumer reporting agency may not furnish a consumer report containing any adverse item of information about a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation as defined under paragraph ( b ) ( 6 ) of this section to the consumer reporting agency. 
( d ) Method of submission to consumer reporting agencies ( 1 ) Mailing and website address. A consumer reporting agency must provide two mailing addresses for a consumer or consumer representative, as described in paragraph ( b ) ( 6 ) ( ii ) of this section, to send a submission consisting of an appropriate proof of identification under paragraph ( b ) ( 1 ) of this section and XXXX documentation under paragraph ( b ) ( 6 ) of this section. A consumer reporting agency may also establish a secure online website portal for a consumer to upload a submission. A consumer reporting agency must accept a submission sent to the mailing and, if applicable, website address used for disputes under section 611 of the FCRA, and must accept a submission sent to a mailing and, if applicable, website address dedicated to blocking adverse items of information resulting from a severe form of XXXX  in persons or XXXX XXXX  under this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents 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 2023-11-21 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: NC

Complaint narrative:
The " Venmo '' response does NOT address the original complaint. I believe Venmo is violating the law by refusing to delete my personal data and account from their system. 
Venmo repeatedly references its Terms and conditions, which do NOT exempt Venmo from the law, which includes a requirement to delete customer accounts and data when requested and not demand new personal data to do God only knows what with. 

I refuse to be a Venmo customer. I find their company behavior to be repulsive. CFPB and the federal government NEED to take swift action against Venmo instead of enabling this behavior which is also outlined in great detail on XXXX XXXX XXXX where countless Venmo customers share disturbing and alarming first-hand experiences. I will NOT provide any further personal data to Venmo ever. 

The original complaint remains : " '' Venmo '' is a company that appears to be owned by " PayPal. '' The Venmo website states : " Venmo is a service of PayPal , Inc., a licensed provider of money transfer services ( NMLS ID : XXXX ). All money transmission is provided by PayPal , Inc. pursuant to PayPal , Inc.s licenses. XXXX PayPal , Inc. '' Venmo is utilized by many people, especially small business owners, to receive money. One of these small business owners sent me their Venmo link, where I attempted to pay them. The Venmo app failed to work, and I contacted Venmo customer service. Instead of receiving help, my account was suspended and then frozen. This experience is commonplace amongst Venmo customers, according to countless online reviews. See here for some of those reviews XXXX XXXX XXXX XXXX I decided I wanted nothing to do with Venmo and demanded that Venmo permanently delete my account and all associated data. Venmo has not done so. I have multiple emails proving this. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LD Holdings Group, LLC
State: SC

Complaint narrative:
In XX/XX/2023 I submitted an online inquiry about a home equity loan or HELOC with this company. I received a return phone call on a recorded line and the representative stated that they could not offer me that type of loan, but could offer a cash out refinance loan. I stated that I would not be interested in any refinance as I have a better rate on my current mortgage and was looking for a small amount of funds ( less than 10 % of the mortgage amount ). Based on this I said I wasn't interested in a refinance and ended the call. Even though I gave the company a clear NO they proceeded forward as if I had said yes - they opened a mortgage application and began sending documents to my home such as copies of an application. This was a major security risk because the documents contained my full social security number, income information etc and as I had no awareness they would be sent they could have easily been stolen from my mailbox without my knowledge and led to identity theft. Meanwhile, the company repeatedly called me and sent emails regarding a mortgage process I had already clearly stated I wasn't interested in. After over a month of hounding me they sent a 'denial notice ' for the application - again despite me having denied ever wanting to open an application. The lending XXXX was XXXX XXXX, XXXX Licensed Lending XXXX, NMLS # : XXXX. I informed them yet again that I had declined any mortgage offering and that any application opened in my name was fraudulent- they have made no effort to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
I have an account that is not in FCRA COMPLIANCE. They are not reporting accurate information to the credit bureaus. I have disputed it and it has came back that it is following the fair credit act. But in fact XXXX is not reporting accurately at all XXXX has it as a closed account, XXXX as an open account and XXXX as a charge off. The current balances are different on all XXXX reports. XXXX has XXXX, XXXX has XXXX but XXXX has XXXX. The original balance is the exact same way. XXXX and XXXX have that I am 120 days late in the status but XXXX has collection/charge off. Not one of the date opened are the same date nor is the reported date. Charge offs should not have late payments attached to them because they are late by default. This is far from accurate information that this company has posted on my report. It violates the FCRA compliance to have 100 % accurate information and only XXXX reported to my report. This has affected me from getting loans, homes and I need it to be removed from my report. So they can stop violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
This account is In result to human trafficking. 

1022.142 Prohibition on inclusion of adverse information in consumer reporting in cases of human trafficking. 
( a ) Scope. This section applies to any consumer reporting agency as defined in section 603 ( f ) of the FCRA, 15 U.S.C. 1681a ( f ).

Prohibition on inclusion of adverse information of trafficking victims. A consumer reporting agency may not furnish a consumer report containing any adverse item of information about a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation as defined under paragraph ( b ) ( 6 ) of this section to the consumer reporting agency.

( d ) Method of submission to consumer reporting agencies ( 1 ) Mailing and website address. A consumer reporting agency must provide two mailing addresses for a consumer or consumer representative, as described in paragraph ( b ) ( 6 ) ( ii ) of this section, to send a submission consisting of an appropriate proof of identification under paragraph ( b ) ( 1 ) of this section and trafficking documentation under paragraph ( b ) ( 6 ) of this section. A consumer reporting agency may also establish a secure online website portal for a consumer to upload a submission. A consumer reporting agency must accept a submission sent to the mailing and, if applicable, website address used for disputes under section 611 of the FCRA, and must accept a submission sent to a mailing and, if applicable, website address dedicated to blocking adverse items of information resulting from a severe form of trafficking in persons or sex trafficking under this section.

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 2023-11-21 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: MA

Complaint narrative:
I REVIEW MY CONSUMER REPORT AND NOTICE THAT I HAD A LATE PAYMENT ON AN ACCOUNT. AND IT THE CONSUMER REPORT AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSIBILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEIR ABILITY WITH MAXIMUM ACCURACY. THE LATE PAYMENT CAN NOT BE USE and by my knowledge this report is inaccurate do to the fact of 15 U.S. Code 1681a - Definitions ; rules of construction a LATE PAYMENT IS NOT INCLUDED IN THIS CONSUMER REPORT AND BY MY KNOWLEDGE A CONSUMER REPORT DOES NOT INCLUDE TRANSACTIONS I PAYED A LATE FEE THAT BEING A TRANSACTION MAKING THIS REPORT INACCURATE PLEASE INVESTIGATE SELF / LEAD AND HERE IS THE ACCOUNT XXXX XXXX XXXX Experian XXXX XXXX XXXX THANK YOU AND HAVE BLESS DAY

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 2023-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MN

Complaint narrative:
Payments are being made to EdFinancial and are not being applied towards my loan. XXXX payments of {$100.00} were made XXXX, XXXX and XXXX but are not posting. They will show up as pending, and then when the money is taken from my bank account, it disappears from my payment history. I have submitted an email and attempted calling and have not heard anything back. 

{$100.00} each was withdrawn from my bank to EdFinancial on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Am attaching the following : Snip of bank account, showing the withdrawals being made Snip of my EdFinancial account on XX/XX/XXXX, when third payment was made - showing that the payment is in process Snip of email receipt from EdFinancial on XX/XX/XXXX, confirming payment was made Snip of my EdFinancial account on XX/XX/XXXX, showing no payments received since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
These companies were not authorized to run these inquiries. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX Bank and the XXXX XXXX XXXX Suttel and Hammer regarding their collection tactics and the imposition of exorbitant interest rates. I am currently facing significant hardships that have severely impacted my ability to meet my financial obligations. As a single mother in the midst of a costly and emotionally challenging divorce, the financial strain resulting from legal fees, contested child support, relocation, loss of income, and the general nature of divorce proceedings have left me in a precarious financial situation. 

The issues I am raising concern both XXXX Bank and the XXXX XXXX XXXX Suttel and Hammer 's utilization of aggressive and abusive collection tactics, as well as the imposition of excessive interest rates. I am being threatened with wage garnishment, which would certainly make me unable to make ends meets. These practices have only served to exacerbate the challenges I am already facing and have contributed to the deterioration of my financial stability. 

XXXX Bank has engaged in what I believe to be unfair and harassing collection practices. The constant calls, aggressive communication, and lack of empathy towards my current situation have only added to the stress and emotional toll of my circumstances. Moreover, the interest rates being applied to my accounts appear to be unreasonably high, further deepening my financial woes. Please understand I am not refusing to pay but I dont have {$14000.00} just laying around. 

Similarly, the XXXX XXXX XXXX Suttel and Hammer, in their pursuit of collection on behalf of XXXX Bank, has displayed a disregard for the challenging circumstances I am currently navigating. The methods employed by the law office, including but not limited to threatening language and an unwillingness to work with me on a reasonable resolution, have left me feeling helpless and overwhelmed. 

I kindly request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against XXXX Bank and the XXXX XXXX XXXX Suttel and Hammer if violations are found. Additionally, I seek relief from the burdensome interest rates imposed by XXXX Bank, as well as a more compassionate and reasonable approach to the debt collection process. I would like to add I am a reasonable person and understand that this debt is owed. I do not want to file for bankruptcy protection, but the overwhelming debt load I have as well as legal fees being incurred for my ongoing divorce and child custody battle are just too much.

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