vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
XXXX XXXX XXXX  - I received a email from PAYPAL stating that my account has been Permininalty Suspended without notice or warning. I immediatelyinquired why and received absolutelyno reason. The person on the phone refused to offer any further explanation of why I was terminated. 
XX/XX/XXXX XXXX I received a similaremail from VENMO ( same company as Paypal XXXX Stating that my VENMO Account has been PERMANENTLY Suspended. They too offered no reason and would not answer my request for a explanation, I use both servicesvery casually for giving money to family members or paying for online purchases in an effort to protect my banking information. This type of action should be illegal, they still have my money and offer no easy way of retrievingit. I want a explanation as to why my accounts were flagged and suspended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 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: CITIBANK, N.A.
State: PA

Complaint narrative:
What a joke, CFPB does not help consumer at all. This is the 3rd time i have opened complaint about this issue and nothing is getting resolved. They allow the company to just close it with XXXX  documentation this is false. 

Dispute Details *Closed a case without it being resolved & charged me the incorrect $ amount *CC is not re-charging me for $ I already paid, Dispute Date XXXX  Dispute Amount {$9800.00} Dispute ID XXXX Related- They just keep closing this without resolving the issue. so this is the 3rd ticket for the same issue. They don't even to bother calling me once or reaching out. Just sticking with a {$9000.00} bill. I can't wait to i switch CC providers this is the worse experiences of my life. 

XXXX CITIBANK , N.A . CITIBANK INTERNATIONAL BANKING FACI XX/XX/XXXX Closed XXXX CITIBANK , N.A . CITIBANK INTERNATIONAL BANKING FACI XX/XX/XXXX Closed

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 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This issue is with Wells Fargo bank who is not following the law with the Consumer Financial Protection Bureau. My son XXXX XXXX was a victim of fraudulent activity on his checking and savings account with Wells Fargo. XXXX XXXX XXXX XXXX XXXX mobile deposits were made into each account which both were followed by {$400.00} XXXX transfers. Someone gained access into both of his accounts and made the XXXX payments. We had nothing to do with these transactions, they were unauthorized activity. We made contact with the bank on XXXX XXXX XXXX after I received notifications of overdrafts. The bank was able to identify it was clearly fraudulent activity but the complaints office with the bank made the determination that we initiated the transactions, but we did not. The electronic funds transfer Act protects those who have been victims of banking crimes which protects consumers even if its one 's fault if they had fallen for an online phishing scam. We have not been able to identify how they accessed his accounts and there has been no protection from our bank. The XXXX XXXX has written an article on the growing fraud with XXXX and how banks including Wells Fargo are trying to blame the customer and not follow the law. Wells Fargo has been in the news a lot in our local area for the same complaint. Wells Fargo also is XXXX of multiple banks that own XXXX. Thank you for your assistance.

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 2023-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Costner Law Office, PLLC
State: NC

Complaint narrative:
Breach of fiduciary Duties This is fraud, under the Color of State Law Its about them performing for these credits the was credit XXXX and the signed a promise note for XXXX it has interest you have to secure the secure party credit interest to them thats what this is going to come down to you transfer that interest to the note to them for them to give the face value which is the credit, credit is just a face value of the note for {$150000.00}, 10 % interest they entitled to the interest which is a share but they have to credited XXXX XXXX XXXXXXXX which is the face value That XXXX out the account however there were an assignment transferred in a State of Peonage under 18 U.S. code section 1581. 
Equity is about the performance. 
Costner Law Office PLLC XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/, the unknown suspect ( s ) used his name and social security number and address XXXX XXXX XXXX XXXX open up a mortgage/assignment with XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've filed several complaints with all three bureaus due to multiple names, addresses, phone numbers and employers listed on my credit report.. I've also sent XXXX forms of identification to support my claim. 
This is the second report i've filed with CFPB because for some reason the first complaint was lost or is not showing up. 
There were several letters sent at the begining of XX/XX/XXXX and after XX/XX/XXXX. These letters were also sent via certified mail, asking to verify all debts in collections and inquiries. I have yet to receive a response. 
All three bureaus refuse to remove the excess and inaccurate information on my credit report making it hard for me to verify myself if i have XXXX addresses listed and XXXX names that aren't mine.. some of the names were even misspelled. Below you will find all my supporting evidence including receipts of mail sent, the many names and address listed as well.

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 2023-02-22 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: FL

Complaint narrative:
The only collection on my credit report is a medical debt placed with all three credit bureaus in XX/XX/2022, dropping my score by over 60 points. To my knowledge the debt was not verified. Further the debt is less than {$500.00} and should be deleted. I've disputed the collection twice with Equifax in the month with the same result : the debt remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
The account with XXXX was sold to another company called XXXX as of XX/XX/XXXX. All payments were made timely to both companies without issue until I checked my credit score and the account had been reported as '90 days delinquent '. When I contacted XXXX to complain, I was told it was a " glitch in the system that they were aware of and they hoped to have it 'fixed ' by XX/XX/XXXX ''. I have never missed a payment on any account in my lifetime and this negative reporting has impacted 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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've filed several complaints with all three bureaus due to multiple names, addresses, phone numbers and employers listed on my credit report.. I've also sent 3 forms of identification to support my claim. 
This is the second report i've filed with CFPB because for some reason the first complaint was lost or is not showing up. 
There were several letters sent at the begining of XX/XX/XXXX and after XX/XX/XXXX. These letters were also sent via certified mail, asking to verify all debts in collections and inquiries. I have yet to receive a response. 
All three bureaus refuse to remove the excess and inaccurate information on my credit report making it hard for me to verify myself if i have 20 addresses listed and 15 names that aren't mine.. some of the names were even misspelled. Below you will find all my supporting evidence including receipts of mail sent, the many names and address listed as well.

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've filed several complaints with all three bureaus due to multiple names, addresses, phone numbers and employers listed on my credit report.. I've also sent 3 forms of identification to support my claim. 
This is the second report i've filed with CFPB because for some reason the first complaint was lost or is not showing up. 
There were several letters sent at the begining of XX/XX/XXXX and after XX/XX/XXXX. These letters were also sent via certified mail, asking to verify all debts in collections and inquiries. I have yet to receive a response. 
All three bureaus refuse to remove the excess and inaccurate information on my credit report making it hard for me to verify myself if i have 20 addresses listed and 15 names that aren't mine.. some of the names were even misspelled. Below you will find all my supporting evidence including receipts of mail sent, the many names and address listed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: MI

Complaint narrative:
Saks has charge a purchase to my account that I never received. Ive tried to resolve the issue with Saks Off 5th, but, no one has refunded me for a purchase that has not been shipped. They refuse to pay for the return shipping for a product that was never ordered by me. Please credit my account for this fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: NY

Complaint narrative:
XXXX XXXX correspondence was sent. Companies have not provided accurate information from their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Hello Ally bank has repossessed the car after me explaining the federal law that governs them. Me filing a 1099a and 1099c with the IRS with my taxes the illegal took a XXXX down payment and this morning I get ready for work they sent someone to illegal come on my property and take my car. These federal laws must be upheld. And they broke them. THANK YOU 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 2023-02-22 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: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
The XXXX XXXX XXXX  is the original account holder Spring oaks is attempting to collect the debt. The account is being reaged an the amounts are different on XXXX XXXX XXXX. The dates the account was opened & closed are different as well Also all different last date of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX  DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATIONXXXX  XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 604 A. States that a consumer reporting agency can not furnish an account 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 2023-02-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-02-22 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: NY

Complaint narrative:
XXXX XXXX correspondence was sent. Companies have not provided accurate information from their investigation.

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 2023-02-22 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: NY

Complaint narrative:
XXXX XXXX correspondence was sent. Companies have not provided accurate information from their investigation.

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 2023-02-22 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: MI

Complaint narrative:
The XXXX XXXX XXXX  is the original account holder XXXX XXXX is attempting to collect the debt. The account is being reaged an the amounts are different on XXXX TransUnion XXXX. The dates the account was opened & closed are different as well Also all different last date of payment

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 2023-02-22 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: MI

Complaint narrative:
The XXXX XXXX XXXX  is the original account holder XXXX XXXX is attempting to collect the debt. The account is being reaged an the amounts are different on XXXX XXXX Equifax. The dates the account was opened & closed are different as well Also all different last date of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: MI

Complaint narrative:
The XXXX XXXX XXXX  is the original account holder XXXX XXXX is attempting to collect the debt. The account is being reaged an the amounts are different on Experian XXXX XXXX. The dates the account was opened & closed are different as well Also all different last date of payment

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 2023-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I am writing this complaint towards XXXX XXXX XXXX in association with TD Bank N.A. I purchased an XXXX XXXX XXXX from XXXX early XXXX and am extremely disappointed with the mismanagement of these products and poor customer experience I face everytime I reach out to someone for assistance. 

The bike continuously buffers and crashes during rides, and I am still being obligated to pay for a membership and warranty that I can not even gain access to because whenever I call XXXX XXXX XXXX for support the hold times are constantly 20-30 minutes long. Chat support also refuses to assist accordingly when I seek them out as an alternative. 

I should not be responsible paying monthly payments for an installment loan tied to a product that I have since requested be returned and can no longer utilize. This has been a constant struggle with this company from Day One and they do not seem to care about customer experiences let alone the inconvenience these situations constantly create on the regular.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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.

Complaint narrative:
Date : XX/XX/2023 Failure to investigate Name : XXXX XXXX Current address : XXXX XXXX XXXX XXXX mi, XXXX SSN : XXXX Date of XXXX To : Dear Credit Bureau XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Your company Experian verified the below account. I looked at the FTC site, and they stated that you have to tell me how you verified this account. You have to tell me details and not a boiler point letter. Please tell me how. FAILURE TO INVESTIGATE, please re-investigate and DELETE ALL items lists below. 

( 1 ). Creditor : Account : XXXX XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( 2 ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( 3 ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( 4 ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE Please send me details on how this account was verified. 

Thanks!

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 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One Checking : On XX/XX/XXXX, I had a balance in my Capital One Checking account of {$2.00}. 
On XX/XX/XXXX, I received a wire in the amount of {$39000.00} thus making my balance {$39000.00}. 
On XX/XX/XXXX, my account was frozen leaving a balance of {$7000.00} As of XX/XX/XXXX my current balance is {$7000.00}. 
Ive called at least 20 times and each time was the same- under investigation. 
Capital One is claiming that a previous wire I received for {$22000.00} on XX/XX/XXXX was being recalled from a third party, ( not the party who sent it to me ) claiming fraud. On XX/XX/XXXX, my balance was {$.00}. 
Since XX/XX/XXXX, there were other smaller deposits. 
Since, the {$22000.00} was 100 % spent and since I have no way of knowing the senders source of funds and since it was a month previous, Capital One is essentially taking funds from my real estate closing from my XX/XX/XXXX deposit. 
They have no right to take my money from subsequent deposits. Where does it end? 
How far back are they allowed to go back? 1 year? 5 years? 10 years? 
How can it possibly be my responsibility to obtain the source or nature of others funds? This is ridiculous. 
Capital One is refusing to release my {$7000.00} from my recent real estate transaction. This is theft!

Company response to consumer: Closed with explanation