vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I was a user of Venmo for quite some time without any issues, as I always use there services properly and use them what they are meant to be used for. On XX/XX/year> Around a week ago they suspended my account and sent me an email saying they noticed some unusual activity on my Account, which there was none I simply changed my password as I regularly update them for security purposes and right after they suspend my account, but anyways they tell me in the email to send my ID to them so so did and they locked my almost {$1000.00} dollars up while they investigated whatever they were investigating causing me a terrible headache and sending me into panic mode as ai am a single father of XXXX kids and i also had my XXXX wedding the very next day I needed my money for and there customer service said oh well nothing they can do i have to wait XXXX days well a few days pass and I get a email saying my account is suspended for good and they are holding my funds for a 180 days and then possibly then XXXX make them available to me if I recieve an email. This is unacceptable. This is nothing more than a corporation robbing the middle class as a simple google search after this happened to me shows this is common practice for Venmo and they are known for doing this suspending peoples account for good and holding there money and never giving the user access to get here money off again as the app is locked and the money is stuck in there. I need my money. That is my last bit of money I had to take care of my children and reinvest in inventory to make more money off that money. I am so set back already and Venmo literally will not explain to me anything and said they are moving foreward with closing my account and will not respond to me now. This has to be illegal what they are doing and I will not let this corporation rob me and steal my last bit of money I needed to take care of my family and use for my business to generate more money with. I did nothing wrong and they are doing this to people every day and then ignoring us and stealing our money and never giving it back. Ive not read one thing where someone actually got there money bafk eveyone says they stolen thousands from them too. If they don this to XXXX people a day for a whole month then thats damn near a half of XXXX dollars and the rate there doing this I can only imagine how much money they have after practicing this deceitful shady process for as long as they been operating. Please someone help me. I need my money ASAP! And they will not help me or even respond to me I dont even want a XXXX ever again i only want my money back they can close my account all they want but any not shady good business would let you withdraw your money not attempt to steal it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: ID

Complaint narrative:
Hi, this OneMain personal loan account I have never gone through them for any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
I was approved for a loan from SAIL Loans for {$2000.00}. They only gave me {$500.00}, said they put {$1500.00} in a savings that I will receive once a pay off the loan. However, they charge interest on a {$2000.00} loan, not {$500.00}. I'm paying interest on money never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX  XXXX Bankruptcy Account XXXX : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am requesting a proper reinvestigation on my dispute, when it comes to providing proof of the verify information. I requested proof of documents, bank statements, or some type of data. To show I was late or missed a payment. Yet they fail to do so, which is a big VIOLATION. I demand that this error be reversed to PAID ON TIME / NEVER LATE or OK on my credit report! I am writing to dispute inaccurate late payments entry, on my credit report as allowed under the Fair Credit Reporting Act, specifically referencing 15 U.S. Code 1681a and 15 U.S. Code 1681s-2. As per these laws, furnishers of information to consumer reporting agencies are obligated to provide accurate information and are prohibited from reporting information with actual knowledge of errors. Under 15 USC 1681a 2 ( A ) ( i ), the term " consumer report '' excludes reports containing information solely as to transactions or experiences between the consumer and the person making the report. This implies that any information reported should be accurate and reflective of the actual transactions or experiences. Additionally, 15 U.S. Code 1666b further supports my right to dispute inaccurate information on my credit report. Upon reviewing my credit report, I have identified discrepancies that do not align with my payment history and financial behavior. Specifically, there is XXXX XXXX - XXXX XX/XX/2022, XX/XX/2022, & XX/XX/2022. I am formally requesting an investigation into these inaccuracies and urge you to correct the information on my credit report accordingly. I also request that you provide me with a copy of the investigation results and any actions taken to rectify the errors. Please be advised that failure to comply with the Fair Credit Reporting Act may result in legal action. I expect a prompt resolution to this matter and appreciate your immediate attention to rectifying these inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: ID

Complaint narrative:
I went through a drastic change financially and did not expect it and usually if you see that I constantly pay my dues every time that's why there's so many closed accounts with this loan place but I have gotten to a point of having trouble even paying most bills right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.

Complaint narrative:
I moved out of the XXXX many years ago, but still have an old bank account with Citibank, which I left open as it wasn't charging me anything to keep it and it might be useful. They recently started charging me for keeping it open. I didn't know about this change, as when I tried to log on to their website to access my documents, I was effectively locked out as they needed to verify with my disused telephone number, so I didn't know it was coming. I tried calling them to get access, but they require me to provide them with my debit card number ( which I don't have, likely due to my address being out of date ) - my account number and other proof of my identity is insufficient. After talking on the phone, they said the only way I could get access is if I had my debit card number. 

I'm thus left with no way to prove my identity to them so I can access my accounts to stop them from continuing to charge me money.

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I first called New Rez ( XXXX XXXX XXXX XXXX and requested that my PMI be removed. At that time, the phone representative told me to go to the above website and make that request in writing as that was their process. I did so and the website ( as listed above ) said I'd receive a response within XXXX business days. I was also told at that time by the phone agent that my first request would be rejected because they base the first appeal off the original loan value. Once that appeal is rejected, they stated I could appeal and apply for a BPO to have an appraisal agent come to my house and give me an up to date evaluation of my homes value. 

Considering she told me they were going to make the first appeal based off when I purchased the home ( in XXXX for reference ), I agreed with her and already knew they would reject said appeal, but in that time my house has gained over 50 % of its original purchase value. Even based off the original loan, we are currently only about 3 % off the required 80 % XXXX value to remove the PMI. Taking this into account ; I asked if we could simply schedule the appraisal now and get the process rolling. They refused to do so until the initial rejection of my request had come back. 

I tried calling back at 5 business days and it was not ready. Again I called at 7 business days and the response was not ready. When I called at 7 business days, I was told it was " escalated '' and sent to their PMI team and that it may take up to 10 business days for a response. At 10 business days I called once again and they told me that the initial request, while escalated, could still take up to 20 business days.

Every time I call these people they push the initial response to their request further and further down the curb. They told me that request will be rejected and refuse let me appeal with an appraisal until they reject the initial response which they keep moving the goal post for when they will reply to it. 

My house was purchased in XXXX for {$300000.00} and appraised for as much then. At this time, we currently owe {$250000.00}, but a XXXX search on XXXX XXXX puts the estimated value at XXXX XXXX Since PMI removal is based off the current home appraisal value and not the original loan, there is no universe where we aren't under the required 80 % value. New Rez knows this ; however, they are dragging their feet in response time and refusing to answer any questions in hopes I'll get frustrated and forget about trying to get my PMI removed. 

I don't intend to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I started a dispute with Transunion on XX/XX/year> & as of today XX/XX/year> it still has not been completed. Dispute code 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 2024-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
this account was opened fraudulently under my name. i dont even reside at this address. i checked my credit report and had not idea i owed this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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