vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
Problem is with TransUnion. They won't/ca n't UNFREEZE my credit report. 
I called TransUnion numerous times in the past two months, had two case numbers assigned. I also wrote a letter with all pertinent data asking to UNfreeze account until XX/XX/XXXX. But, the Reply I received XX/XX/XXXX was " non responsive '' to my problem. Got simply a credit report XXXX letter defining a credit freeze. 
They claim for months they have updated my account to unfreeze as I request but when I go to my account online I can't access my account. TransUnion keeps saying they have a technical issue XXXX to just wait. How long??? 
When I requested an XXXX credit card, XXXX responds that TransUnion shows a credit freeze and to contact TransUnion to resolve. I've tried over and over. 

I may be because my address is XXXX XXXX XXXX??? zip code XXXX? 
The other XXXX credit companies unfroze my account with no hitches.

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 2023-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
Our account with Venmo has been suspended and they keep giving us the runaround. We cant access our payment from a customer and Venmo wont do anything to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PLAID INC.
State: MD

Complaint narrative:
The company is called : Plaid. They do money transfers and payments like XXXX, I think. What I do know is, Plaid is only one security breach away from being utterly destroyed and will take out the financial lives of all their customers. They are incredibly irresponsible, and I wonder how Plaid hasn't been shut down. As a customer you have no recourse if something goes wrong. The TOS of their online banking says that if you disclose your username and password to any third party then you have no liability and yet they are asking for customers ' banking username and password in order to have an account! 

This company breaks 2 fundamental internet security rules : 1 ) never give credentials to a third party. The standard is to redirect the user to a login page on the website of the service providing the login, but Plaid doesn't do this, instead they provide the login form on their own website. Even worse Plaid allows services to embed the form in their website ( as a frame ), and it is impossible for casual users of the internet to tell the difference. This is an unsecure form, so is encouraging bad security practices. 2 ) even worse, Plaid provides a login page that looks very official showing the bank logo and using the bank 's color scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Since, XXXX, I've been having problems logging into my online Bank of America account via the app or XXXX. It seems I'm blocked from the app ( see images ) ; and online everything pops up in html format. 

So, I walked into the XXXX, FL branch and brought this issue up to XXXX. She is my witness that I had to uninstall my BOA app, download it again, use the Branch 's wifi. Initially, it wouldn't even work with the Bank 's " secure '' wifi ; and then it worked. 

Now it does not work again. It didn't work yesterday either, XXXX. Therefore, I'm submitting this complaint. Please have the Bank 's IT department fix this problem. I don't want think this is premeditatedly being done to me. I just want to believe it's a network glitch. Either way, please have this online problem fixed. Part of banking with BoA is having the ability to manage my account online ; and I am the real account holder. 

Thank You, XXXX XXXX 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 2023-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Credimatico LLC
State: TX

Complaint narrative:
Crediterium claims that I have a loan thats approved. However I can not get into review the contract. I am unaware if this is true or a way to attack my XXXX XXXX XXXX plus XXXX  or not. If it was a real offer I could easily open it to make an educated decision. I will be reporting all the companies who are not loan brokers that send the same information to the same people, which is intentionally forcing people into extreme high interest rates on purpose. This is not only to drive your credit report down but also destroy your XXXX score to ensure higher interest rates which the federal government refuses to regulate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
i have closed this account with talking to company and settled. but its still showing i am owing amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the persistent harassment I have been experiencing from New Rez Mortgage Company. Previously known as Green Tree, they have disregarded my explicit instructions to contact me exclusively in writing, as stated in a letter on file from the time when the company was still Green Tree. 

Despite my repeated requests during phone conversations for them to refrain from calling me, New Rez Mortgage Company continues to ignore my requests and cause me significant stress by persistently contacting me regarding my mortgage. This behavior is in direct violation of the letter in my file, which explicitly states that they should only communicate with me in writing.

I strongly urge New Rez Mortgage Company to thoroughly review my file, where they will find not only the aforementioned letter that they are blatantly violating but also my impeccable payment history. This payment history clearly indicates that my mortgage payments are consistently made on the last working day of each month. 

I trust that the Consumer Financial Protection Bureau will take appropriate action, as you have done in the past, the complaint number for the former complaint is XXXX, in that complaint is where I also provided a letter to the mortgage company to contact me only in writing. I have also paid my mortgage by phone during the first quarter of 2023. When asked by their agent, if they could use my phone number to contact me I said no, they are not to contact me by phone, and if that call is recorded that is further proof that they are in violation of the no contact by phone request and is thus harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Inquiries XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX These donot belong to me! 

15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells fargo bank placed XXXX insurance on my truck then applied it to the loan and charged me interest on top of insurance I had zero need for. When I called they told that it was insurance that was required but it raised my payment more than I could afford. They repossessed my truck and never sent a letter about a auction. By there own admission when trying to get a fair settlement from them they sold the loan to a overseas company and never sold the truck. They shorted me so bad on this it is wrong. I waited XXXX plus years to get XXXX out of XXXX that they owed me. Thats again making me a victim and there laughing.

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 2023-06-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
ok I have been with this principle only HELOC line of credit for many years its been paid back several times for XXXX not to my knowledge this was a principle only loan. Well 3 years ago this loan had matured and I was told they wanted the whole XXXX dollars in which I didn't have .for three years I have been sending countless loan modifications to them in which they tell me '' my paperwork is complete and we will get back to you after its been reviewed. " this has been going on and on in which I get a letter two weeks later and they tell me its incomplete again.I have probably sent sent 10 loan modifications in 3 years to them and the same results every time they run me arouind in circles to get this paperwork to them, and when I call them on the phone they tell me yes your paper work is complete just wait again same results. How come nothing is negative on my credit report yet this company will not accept payments from me .And on top of it all I have now recieved XXXX dollars in interest added to my balance? .I have read several negative reviews on the XXXX from them running other people around the same exact way then denying them thier modifcations as well. I am XXXX to these lenders I cant refinance my home to pay them back so I sit with a high interest rate and constantly am worried about wheather thier going to forclose on my home or not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, Experian and XXXX all protect the business not the consumer, nor do they educate the consumer on the fake fico score the report to the councumors. What ever credit report should be notified to the consumer so they know the false derogatory statements presented buy fico and the three agencies. My complaint is against revamping the three credit reports to show true time fico scores others get not a feel good worthless score that does nothing for the customer. Under the privacy information act we are entitled to information you share with other companies as to the tack report you provide the cunsumer.

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 2023-06-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
My Bloomingdales credit card was used for fraud. The first time I saw the charges on my statement, I disputed the charges on line, I called the Bloomingdales fraud department, and I filed a report with the credit bureaus. This was XX/XX/2023 the first time the charges appeared on my statement, the charges were made in mid XX/XX/2023. My card continued to be compromised with fraud on line purchases and I continued to call and report on line. This happened despite being issued new credit card numbers. In XX/XX/2023 I received a notice that my claim was denied and the total charges of {$3800.00} plus {$250.00} interest were added back to my credit card balance. I have record that a rep told me that the items were shipped to XXXX. I live in NJ. I want these fraud charges taken off my account. I will appeal the resolution. Please help me in anyway you can to resolve this theft. Bloomingdales credit card is a XXXX XXXX credit card.

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 2023-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Capital One sold the account to XXXX XXXX XXXX on XX/XX/2021, illegally, without authorization and without having arbitration. The debt collector has posted the illegally obtained debt on my consumer report as a collection, in the amount of {$400.00}. This has directly affected me receiving new credit that was applied for, a {$10000.00} credit card and a {$50000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: NC

Complaint narrative:
On XXXX XX/XX/2023 I filed a complaint with Trans Union in reference to double reporting on the same account. They are listing an error which is causing issues with my credit score. They came back to me on my dispute XXXX XX/XX/2023 stating they contacted the reporting party and that the information is accurate. Ive advised them it is the same account with two different information being listed as two separate accounts, which should only be 1. In addition, Ive reported to them my name is incorrect. The other 2 credit bureaus have my name correct and accounts.

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 2023-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Auto Finance calls me several times a day regarding a delinquent auto loan that is not mine. 

Capital One call back numbers are automated and require a loan number to gain access to problem resolution. 

I have no loan number, so the automated system bumps me out. It will not allow me request a person. 

Attempts to contact Capital One Auto via other phone numbers result in bumped calls, disconnects, and no resolution.

Capital One Auto continues to harass me even though I do not owe them money, and I have never had an auto loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX saying that I owed $ XXXX dollars on a bank account I closed in XXXX. They threatened to sue me and to destroy my credit if I did not pay them, even though the statue of limitations had passed by over 7 years. They lied and said that this was " not on ( my ) credit report because they haven't sued yet, and the statue of limitations is not for FDIC backed bank account is unlimited '', all of which is total lies. I begrudgingly and out of fear, payed about {$3800.00} to " settle the debt ''. I contacted a lawyer and was advised that their tactics and what they told me is illegal and a complete lie and to refund my money back. I called XXXX and they refunded my money, but not before giving me the same set of lies to coerce me into paying a debt I no longer owed. Finally, on XX/XX/XXXX, I called and they reversed my payment withoute having to contact the bank, but it seemed they feared that I was going to mess up the operation so they gave my money back. Overall, though I was refunded, XXXX 's use of illegal tactics to coerce people to comply with their bogus " debts '' is unethical and against FTC regulations. They can not illegally threaten to sue you when they know it is not possible, they can not threaten your credit rating as a means of intimidation, and they can not misrepresent the law to coerce you to pay.

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 2023-06-15 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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-06-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax, XXXX and XXXX all protect the business not the consumer, nor do they educate the consumer on the fake fico score the report to the councumors. What ever credit report should be notified to the consumer so they know the false derogatory statements presented buy fico and the three agencies. My complaint is against revamping the three credit reports to show true time fico scores others get not a feel good worthless score that does nothing for the customer. Under the privacy information act we are entitled to information you share with other companies as to the tack report you provide the cunsumer.

Company response to consumer: Closed with explanation