vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
In my Venmo account money got transferred to an inactive account. I reported it and it has lingered on for almost! 2 weeks now. I have been promised multiple times it would be corrected. I also have emails saying my account would be unfrozen. No one seems to want to or care to help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AXOS FINANCIAL, INC.
State: NV

Complaint narrative:
Because after I previously complained to the CFPB platform about axos Bank collecting customer information at will and not opening an account, now axos Bank is retaliating in bad faith by simply not opening my account, even though I provided all the necessary documents to open a checking account. This malicious retaliation is a serious violation of the Consumer Fairness Act. I am determined to file a complaint for this reason and hope that justice will be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was victim of identity theft some one had use my ssn to get my Bank of America employed benfints card use it And took all my funds off I fillies a police report send in my Id to bank of America prepaid card operations and I still lost my dispute they said I still benefited it from the fraud Did not give me anything back

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 2022-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Zelle scammer posed as a bank bill

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NC

Complaint narrative:
My mother had a discovercard account beginning approximately early XXXX and defaulted in early XXXX. During that time, i was issued a card as an authorized user in XX/XX/XXXX just a few months away from the default date. When I was issued a card in late XXXX the account was almost maxed out to the credit limit. 

Once the account was defaulted, DiscoverCard begun this bogus claim that the account was a joint account. DiscoverCard forwarded the default account to their collection agency/attorney firm in XXXX NC and they filed suit against me and my mother for the entire amount that was in default even though it was known and obvious i could of not been responsible for the charges by date and when I became an authorized user. I could not attend the court proceeding so a judgement was entered against me. 

Also, during this time, since approx XXXX during the default period, DiscoverCard has constantly reported to the credit bureaus for several years derogatory information such as this was a joint account, and that i owed this money. Clearly untrue. Clearly invalid. Clearly deceptive. 

I have been damaged all these years by DiscoverCards malicious and deceptive behavior. And I deserver compensation for these damages.

For years i have requested including the credit bureaus, signed agreements, signed contracts, signed application for credit, and to date DiscoverCArd will not, because they can not, provide such documents because i was an authorized user only ; But, Discovercard was deceptive in pursuing me for this outstanding debt, and they are liable for all the damages caused from such deceptive behavior.

I demand a response to this complaint and compensation from DiscoverCard or I am hiring lawyers to sue DiscoverCard for this deceptive behavior that has gone on for years, causing me years of damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: TX

Complaint narrative:
I have disputed several items on my credit report, letting this company know that the accounts do not belong to me. the disputes resolution always come back so fast and just says the info has been updated. I have also requested to know how this company has went about to verify these accounts belong to me after the previous complaint resolution, where they stated that they verified all the unknown inquiries that i had on my report for vehicles and loans. i still have not got a response. Now i need to use my credit to purchase a few things and Im afraid i will get denied because my credit score has dropped at XXXX points since the beginning of this year. It also is not updating my credit balances from my actual accounts correctly and stating i have late payments when i do not and stating that i have delinquent, derogotory, and collection accounts accounts and i do not. The accounts ( XXXX XXXX ), ( XXXX XXXX ) and the inquiries from the previous complaint need to be removed. my actual credit accounts need to be verified to be made accurate and false late payments need to be removed. This situation is severely affecting my life and preventing me from things that i need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CapitalOne approved me for a pre-approved MasterCard credit card in approximately XX/XX/XXXX. 
They then billed me for an Unauthorized purchase in XX/XX/XXXX. They then began an investigation according to the applicable federal rules. The matter was resolved in my favor and the purchase was removed by the company. In fact CapitalOne eventually removed the unautorized charges from my account. However, CapitalOne insists on charging me monthly late fees for the time that they were investigating the the dispute. I don't believe that they are allowed to do that. Please direct them to remove the charges and amend my Credit Report. 

Respectively Submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: NV

Complaint narrative:
I lived at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX back in XX/XX/XXXXAnd now Equifax, XXXX XXXX and XXXX has been reporting over 10 different apartments for XXXX XXXX XXXX XXXX. I dont understand how this is possible. Thats not my signature or my charges please delete this stuff. I had no contract with talise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I lived at XXXX XXXX XXXX XXXXXXXX XXXX  XXXX back in XX/XX/XXXXAnd now XXXX, XXXX XXXX and Experian has been reporting over 10 different apartments for XXXX XXXX XXXX XXXX. I dont understand how this is possible. Thats not my signature or my charges please delete this stuff. I had no contract with talise.

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 2022-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is reporting a debit that is the result of identity theft/fraud. XXXX had an identity fraud breach and I was the result of identity theft from this breach. This account is in litigation with my attorney for the breach that took place. This should not be reporting on my credit.

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 2022-08-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-08-18 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-18 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
In According to the fair credit reporting act XXXX  account XXXX XXXX XXXX has violated my rights. 
15 U S C 1681 section 601 A section 1 states I have the right to privacy.

15 U S C 1682 section 602 section 2 also states a consumer reporting agency can not furnish account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This was a cellphone account that was canceled but XXXX delayed closing. Couldn't transport my number never activated. Reported to FCC, received XXXX bal letter XX/XX/2021 and return of charges fraudulently taken from my account. Collection Company recently reported on credit has dramatically changed my scores. Recorded conversations with XXXX last year and this year concerning this issue admitting their mistake. I've never received any bill for this and consider it to be FRAUD. I'm on SSI and my internet is covered by government program but billing is suspect. Please review! Previous billing is unavailable. I've disputed trade line with each bureau however after paying off most of my accounts and working to increase my score its ridiculous that an erroneous fraudulent company can be so nefarious and malicious. XXXX XXXX and this has caused undue harm. Please assist with XXXX and the bureaus! Thanks so much!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
In According to the fair credit reporting act XXXX account XXXX XXXX XXXX has violated my rights. 
15 U S C 1681 section 601 A section 1 states I have the right to privacy.

15 U S C 1682 section 602 section 2 also states a consumer reporting agency can not furnish account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: CCS Financial Services, Inc.
State: MS

Complaint narrative:
In According to the fair credit reporting act XXXX  account CCS Collections Agency has violated my rights. 
15 U S C 1681 section 601 A section 1 states I have the right to privacy.

15 U S C 1682 section 602 section 2 also states a consumer reporting agency can not furnish account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
Our mortgage company, Loan Depot, sent us an updated escrow analysis with overinflated tax numbers. This has caused our mortgage payment to go up significantly. Theyre collecting twice the tax amount although weve continually told them that isnt correct and there seems to be no way for us to get that money back. Theyve failed to adjust to the correct amounts even though weve provided documentation on several occasions showing correct amounts. This has been going on for 2 months now. Whenever we call were pushed off and told it will take a few more weeks to analyze. Weve continually gotten a runaround from Loan Depot. Weve continuously asked for clarification and have gotten bounced back and forth between departments. All of this is on top of the fact that although we have a fixed rate that is 2 % lower than our previous mortgage company, our school and local taxes have not gone up, and we have no PMI since our refinance, our monthly mortgage payment is all of a sudden more than the original mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I made a purchase for the XXXX XXXX class with The XXXX XXXX for {$1800.00} on XX/XX/2022. The website was having difficulties and eventually the purchase went through but I did not receive the class. I contacted the XXXX XXXX where they told me that they had never received payment and if there was a charge on my account to contact the bank. I proceeded to contact the bank where they told me that I needed to call back to dispute the charge when the charge posted to my account. I waited 3 days and called back and was told a provisional credit would be in my account 24-48 hours after the phone call. I called after the 48 hours had passed and the provisional credit was not there and then they said it would take another 1-2 days. I then reached out by chat where they told me provisional credits take up to 10 days to appear in the account from the date of the dispute. I waited the 10 days and still had nothing returned to me. To make this even more ridiculous, they said that I would be sent a document to fill out and either send back or take to the bank. They said if I took it to the bank, the provisional credit would be in the account on the same day. I received the document, took it to the branch and they faxed it over. My provisional credit was still not returned to me after that. It has now been a month since I first disputed this transaction and the bank is still refusing to return the money to my account or provide me with provisional credit. This was not a case of buyers guilt as one of their representatives on the phone very rudely suggested it was. I had to work out a payment plan with The XXXX XXXX in order to purchase the class for my fianc who is registered to take her XXXX in XXXX and could no longer wait to register for the class as this was the last class she could take before her exam date. They are violating their own policy of provisional credit within 10 days and almost prevented my fianc from taking her class. Not only do I want my money returned to me, but PNC will need to do something to make this right as this has caused us both an extreme amount of stress and if I am not satisfied, I will be seeking legal counsel to sue for the theft of my money and the damages of the pain and suffering caused by the theft of my money to my fianc and to myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18 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: FL

Complaint narrative:
This was previously reported to the FTC Report No. XXXX. I have not received an update. 
I learned on XX/XX/XXXX from EXPERIAN that XXXX XXXX has flagged my account as CHARGE-OFF on XX/XX/XXXX with a Balance of {$38000.00}. 
My letter to the director of finances of XXXX XXXX ( XX/XX/XXXX ) Formerly Loanpal 1. The Loan Closing Certificate dated XX/XX/XXXX, indicated that the Total Loan Amount was {$38000.00} 2. The Amortization Schedule of the First Year [ XXXX ] called for 12 payments of {$160.00} or {$2000.00}. 
3. The Amortization Schedule of the Second Year [ XXXX ] called for 5 payments of {$160.00} or {$840.00} plus 7 payments of {$240.00} or {$1600.00}. Thus, a total of {$2500.00} were paid. 
4. From XX/XX/XXXX to XX/XX/XXXX XXXX XXXX received {$1600.00}. 
This time was when the automatic withdrawals were stopped because, without previous warning, XXXX appeared on the scene. 
5. Thus, SINCE THE INCEPTION of the loan up to XX/XX/XXXX, XXXX XXXX XXXX was paid {$4500.00}. 
6. Further, the XXXX XXXX statement of XX/XX/XXXX gives the Outstanding Principal {$37000.00}. Yet, according to an Annual Amortization Schedule by XX/XX/XXXX, the end of the Second Year, the Outstanding Principal should be {$35000.00}. Thus, I request a copy of your amortization schedule. 
7. The attached checks for {$720.00} each to my letters of XX/XX/XXXX, and XX/XX/XXXX, were CASHED ON XX/XX/XXXX and XX/XX/XXXX. Thus, {$1.00}, XXXX are to be added to the {$4500.00} paid up by XX/XX/XXXX for a total of {$6300.00}. The Total Amount Due by XX/XX/XXXX, is {$7400.00}. Thus, the remaining amount to fulfill the Third Year Amortization is {$1100.00}. According to the Annual Amortization Schedule by XX/XX/XXXX, the end of the Third Year, the Outstanding Principal should be {$34000.00}. 
So, where is the reason for CHARGE-OFF on XX/XX/XXXX with a Balance of {$38000.00}?

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 2022-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo line of credit is intentionally difficult to pay to encourage consumers to trigger fees. 
After opening an account with a special no interest offer from a merchant ( XXXX  XXXX ) I received my first bill in XX/XX/XXXX For background I am XXXX, excellent computer skills and good credit. I never miss payments. First I never received the first bill from Wells Fargo and missed the first payment. No explanation from them as to why I didn't receive it since they had all of my correct information. I was charged a late fee but they reversed it. The website and process to make a single payment is almost impossible to navigate and takes 2 months to set up while they " verify '' your account. After this process you are eligible to set up automatic payments. After setting them up on the 3rd month the payment did not process because the account information was incorrect. I don't see how that's possible since I made payments from the same account previously and they " verify '' all accounts before hand anyway. This caused another missed payment. I called and was hung up on. A supervisor called me back and assured me I would not be charged a late fee. I was charged another late fee. This is intentional and I don't have enough time to spend another several hours on the phone with them navigating the difficult myriad of phone numbers and prompts required to get assistance only to be potentially again hung up. They waste your time so your pay the fees.

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