vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
XX/XX/22 : Purchased merchandise ( XXXX items ) from XXXX for {$110.00}, paid via XXXX ( linked to XXXX XXXX ). 
XX/XX/22 : Initiated return of XXXX ( totaling {$95.00} ) of XXXX items ( facilitated via XXXX ). 
XX/XX/22 : XXXX received in XXXX PA ( XXXX returns ) by XXXX. XXXX spoke with XXXX in late XXXX about refund status; was advised that they only had a record of receiving XXXX XXXX I items I returned. 
XX/XX/22 : XXXX issued a refund for this item only, for {$42.00} ( XXXX ) through PayPal to XXXX XX/XX/22 : Initiated " dispute '' through PayPal for the second item in the amount of {$52.00} ( XXXX ). 
XX/XX/22 : decided to report disputed amount to XXXX ; XXXX credited my account for {$52.00} for the disputed item while they attempted to resolve it. 
XX/XX/22 : PayPal emailed me to say they would not go further with their dispute, as XXXX was now involved. 
XX/XX/22 : XXXX recovered the {$52.00} for the second item, which was credited directly & permanently to my XXXX account. 
XX/XX/22 PayPal has now charged me {$42.00}, claiming I got duplicate refunds -- one from them and one from the dispute handled by XXXX -- and is asking me to pay them {$42.00}. I received a total of {$95.00} for XXXX items, both shown on my XXXX account statement. 

XXXX acknowledges they made both of these refunds. XXXX claims they have no roll to play here as they recovered the disputed amount of {$52.00} for the returned item XXXX could initially not locate & I was already credited with {$42.00} for the other item by XXXX via PayPal. 
After XXXX hours on multiple calls, with multiple people, PayPal insists they must recover the {$42.00} from ME and are treating this, rather aggressively & unsympathetically, as straightforward debt collection, claiming I received an extra refund. I did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I noticed multiple bankruptcies on my report. Ive disputed these alleged bankruptcies multiple times and I am getting the same response from the bureaus. I asked each one to send tangible verification and neither provided it. Each bureau also obtain my information in a unverified manner. Again these bankruptcies are not mine and I ask for them to be removed 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 non-monetary relief
Consumer complaint received 2022-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon reviewing my credit report, I noticed multiple bankruptcies on my report. Ive disputed these alleged bankruptcies multiple times and I am getting the same response from the bureaus. I asked each one to send tangible verification and neither provided it. Each bureau also obtain my information in a unverified manner. Again these bankruptcies are not mine and I ask for them to be removed 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 2022-06-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair credit Reporting act XXXX XXXX XXXX  Account # 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 166b A creditor may not treat a payment on a credit card card account under an open end consumer credit plan as late for any reason

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 2022-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital One is reporting inaccurate information on my credit report the dates that show late payments are incorrect. I called Capital One and spoke to a XXXX to have any late fees removed from my credit report because I experienced financial hardship due to Covid-19. XXXX said Capital One requires documentation of hardship from employer. I explained to her it is a violation of my rights to privacy. Law 15 US Code 1681 states such violation and right to privacy. Furthermore because I let the employee XXXX know my financial hardship is due to Covid-19 she should have been helpful with processing my hardship instead she said she cant help when I asked to speak with her boss she said she is the highest one in her position.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
On my credit report these is an account with the United States Department of Education with a balance of {$1.00}, XXXX. This account is attached to the XXXX  XXXX XXXX in which they agreed to remove from my credit file as they as under investigation for multiple things. Also, it is reporting as delinquent and the DOE said they only reported this account twice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Social Finance, Inc.
State: TX

Complaint narrative:
I have Sofi Checking account. When I am doing any ACH in transactions- it's taking ridiculously long for that transaction to happen. Why it is taking long for funds to be available? Why there are holds in this account? Don't this bank trust me?

In every transaction I am talking - both are my accounts in different bank.

I deposited a check from Sofi to XXXX XXXX business account for XXXX but it's been returned with insufficient balance due to holds on this account by Sofi. 
Now XXXX XXXX will charge me {$12.00} return fees. 

Secondly why there is no way I can schedule a transfer for a later date? Sofi should not get the product out to the real world if Sofi is not ready? these are basics and customers in 2022 can not live without this kind of feature. As of this point, customer can only do immediate ACH transaction not after 1 day or next 30-60-90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am having Wells Fargo business checking account for years. 
Two major issues during last 2 months : My customer 's check was bounced due to error on Wells Fargo side as Wells fargo thought it's fraud. Wells Fargo never reached out to me for that. Already CFPB complaint. This week of check of {$5700.00} was returned when i deposited myself. When i called Wells Fargo - their incompetent customer service is making excuse that they can not understand it. I can clearly make out that he was doing this to avoid answering my question. This happened today on XXXX XX/XX/2022. 
In this week this is second time Wells Fargo 's customer service is making this kind of excuse not to help a customer like me. There is no diversity in Wells Fargo. People like me who are in XXXX for 2 decades are told that they can not understand me even when line is clear and it's well understandable XXXX. 
Moreover after two escalations also Wells Fargo could tell me what is the reason for this return check and whether Wells will charge me any fees. 

Wells Fargo created a case XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Account number XXXX The Credit Bureaus stated my account was properly investigated but how is that possible the last date reported is inaccurate. The last date active is inaccurate, and the payment status says collection/charge-off this is inaccurate information because their can be to different payment claims it has to be either a charge-off or collection it can not be both. The payment history is also inaccurate in shows no activity for the last 3 years with that being stated no actually debt is owed. This is ground for removal and this is a clear violation of 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. Also states a consumer reporting agency can not furnish without my written instructions.

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 2022-06-30 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
EXPERIAN ASKED ME TO PROVIDE SUPPORTING DOCUMENTS TO SUPPORT MY IDENTITY THEFT DISPUTE, AND SAID THEY WOULD DELETE THE AFFIRM ACCOUNT. I HAVE PROVIDED THEM ALL THE DOCUMENTS IN THE MONTH OF XX/XX/2022. I HAVE CALLED THEM AND SPOKE TO THEM ON A RECORDED LINE, WHERE THEY CONFIRMED THEY RECEIVED ALL THE NECESSARY DOCUMENTS TO BLOCK THE AFFIRM ACCOUNT, BUT EXPERIAN STILL REFUSE TO BLOCK THE ACCOUNT. THE RESULTS CAME BACK " REMAIN '' ADDITIONAL INFORMATION REQUIRED. THEY ARE STILL ASKING ME FOR THE EXACT SAME DOCUMENTS THAT I HAVE ALREADY SUBMITTED TO THEM, AND HAVE ATTACHED TO THIS COMPLAINT. I WAS NOT EXPECTING THIS DISPUTE TO TAKE THIS VERY LONG. I AM NOT SURE WHY EXPERIAN IS GIVING ME SUCH A DIFFICULT TIME TO RESOLVE THIS MATTER. HOWEVER, I WOULD LIKE EXPERIAN TO NOW BE INVESTIGATED. I HAVE PROVIDED A LOCAL POLICE REPORT REGARDING THIS MATTER. THE POLICE REPORT IS FROM MY LOCAL CITY XXXX XXXX, AND HAS A REPORT NUMBER ON THE REPORT. IT CAN ALSO BE VERIFIED WITH MY LOCAL LAW ENFORCEMENT AGENCY.

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 2022-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On my credit report these is an account with the United States Department of Education with a balance of {$1.00}, XXXX. This account is attached to the XXXX  XXXX XXXX in which they agreed to remove from my credit file as they as under investigation for multiple things. Also, it is reporting as delinquent and the DOE said they only reported this account twice

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 2022-06-30 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: Self Financial Inc.
State: GA

Complaint narrative:
Thank you for your response to complaint number XXXX. In your response you did not acknowledge the part of the law you are in violation of. SELF IS REPORTING EXPERIENCES between their company and me the consumer as late payments. EXPERIENCES ( late payments ) ARE EXCLUDED FROM THE CONSUMER REPORT. 15 usc 1681a ( 2 ) ( A ) ( I ) states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: MN

Complaint narrative:
I HAVE TRIED CONTACTING THE FOLLOWING COMPANIES THAT ARE NOT AN ACCOUNT OR REPORTING ON MY TRANSUNION CREDIT FILE. HOWEVER, EACH COMPANY SAID THEY DO NOT HAVE AN ACCOUNT IN MY NAME AT THEIR COMPANY. I HAVE ASKED THEM TO REMOVE THE INQUIRY, THEY SAID THEY WOULD CONTACT TRANSUNION. HOWEVER, MY ISSUE WITH TRANSUNION IS THAT I FILED A IDENTITY THEFT DISPUTE TO HAVE THESE INQUIRIES REMOVED BECAUSE I DID NOT AUTHORIZE THESE INQUIRIES FOR XXXX XXXX XXXX XXXX OR XXXX XXXX  NEITHER WHICH ARE REPORTING NO ACCOUNTS TO MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND WOULD LIKE THEM REMOVED IMMEDIATELY DUE TO FRAUD. THEIR NOT REPORTING ANY ACCOUNT ON MY CREDIT REPORT, SO WHY HAVEN'T TRANSUNION REMOVED THEM?

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 2022-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit report the dates that show late payments are incorrect. I called XXXX XXXX and spoke to a XXXX to have any late fees removed from my credit report because I experienced financial hardship due to Covid-19. XXXX said XXXX XXXX requires documentation of hardship from employer. I explained to her it is a violation of my rights to privacy. Law 15 US Code 1681 states such violation and right to privacy. Furthermore because I let the employee XXXX know my financial hardship is due to Covid-19 she should have been helpful with processing my hardship instead she said she cant help when I asked to speak with her boss she said she is the highest one in her position.

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 2022-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit report the dates that show late payments are incorrect. I called XXXX XXXX and spoke to a XXXX to have any late fees removed from my credit report because I experienced financial hardship due to Covid-19. XXXX said XXXX XXXX requires documentation of hardship from employer. I explained to her it is a violation of my rights to privacy. Law 15 US Code 1681 states such violation and right to privacy. Furthermore because I let the employee XXXX know my financial hardship is due to Covid-19 she should have been helpful with processing my hardship instead she said she cant help when I asked to speak with her boss she said she is the highest one in her position.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit report the dates that show late payments are incorrect. I called XXXX XXXX and spoke to a XXXX to have any late fees removed from my credit report because I experienced financial hardship due to Covid-19. XXXX said XXXX XXXX requires documentation of hardship from employer. I explained to her it is a violation of my rights to privacy. Law 15 US Code 1681 states such violation and right to privacy. Furthermore because I let the employee XXXX know my financial hardship is due to Covid-19 she should have been helpful with processing my hardship instead she said she cant help when I asked to speak with her boss she said she is the highest one in her position.

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 2022-06-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a complaint # XXXX previously and received a reply through your agency from Experian. They stated in that reply that they would send a FORM for me to fill out and mail in to permanently opt out of my information being shared with their " partner '' companies or whatever. I received a notice from them ( with my credit report which I did not request ) in the mail that stated that I needed to write a letter to a certain address in order to remove my name from their " mailing lists. '' No form. And I received a postcard from them stating the same thing. Neither the envelope for the notice and credit report nor anywhere on the postcard was there any identification that this was coming from Experian. I could easily have thrown the envelope out assuming it was junk mail -- with all my information on it (! ) -- and I could easily have dismissed the postcard ( with its tiny print ) as nothing important. This is not the way to take care of someone's important information or important instructions for how I can maintain my privacy. Again I am outraged at Experian 's flagrant disregard for my privacy.

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 2022-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
I received a call from a debt collector with Hunter Warfield in an attempt to collect a debt. I informed the collector that the debt did not belong to me, and I inquired about the social security number associated with the account because I have a fraud alert on my credit reports. The collector provided the last 4 digits of the social security number by phone, and it was not mine. I again, informed the collector that the debt did not belong to me. ( 1ST CORRESPONDENCE ) I received a bill by mail from Hunter Warfield attempting to collect the debt. ( 2ND CORRESPONDENCE ) The letter was addressed to " XXXX XXXX XXXX this is not my legal name and I do not have an alias. I sent them a letter requesting verification of the debt. I specifically requested a contract with my signature and the last 4 digits of the social security number connected to the account. Hunter Warfield sent me a contract between " XXXX XXXX XXXX and a creditor, there was a signature on the contract that did not belong to me, and they would not re-confirm the last 4 digits of the social security number which they provided in an earlier communication by phone. ( 3RD CORRESPONDENCE ) I sent another letter informing them that they are contacting the wrong person and I provided the evidence described above. Hunter Warfield resent the same bill, with the same contract, and is still demanding I pay them. ( 4TH CORRESPONDENCE ) At this point, they are harassing me ; the agreement that they continue to send is not between myself and the creditor, I have never lived at the address listed in the agreement, and the social security number attached to the account does not belong to me. So, why is this collection agency harassing me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EdFinancial Services
State: NY

Complaint narrative:
EDFINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX ) XXXX I have asked for information for the reporting company for any signed documents that this loan belongs to me and it could not be furnished. Despite the fact that someone else is paying for this loan in a timely manner, it does not belong to me. I have never needed a loan for school because my tuition was mostly paid by my federal financial aid.

Company response to consumer: Closed with explanation