vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 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:
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX - Account XXXX I don't recall having late payments on this account XXXX XXXX XXXX  - Account Number : XXXX I don't recall having late payments on this account

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 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge 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: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
This claim is to reference XXXX XXXX AS I WAS ABLE TO FIND THE OTHER TRANSACTION THAT OCCURED TO THIS SCAM COMPANY. As stated I have fraudalent transaction that have cause me to suffer i have reached out to my bank to allow them its fraud yall did resolve the ach. I need help with resolving these transactions and recovering my funds XX/XX/2021 XXXX {$1000.00} XX/XX/2021 XXXX {$10.00} XX/XX/2021 XXXX {$990.00} This money was added to XXXX  to fund XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I need these inquiries deleted because i did not authorize these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/XXXX - My bank sent the full payment due {$2600.00} ( full statement balance ). 
XX/XX/XXXX- Payment received and the due date by Citibank Best Buy XX/XX/XXXX - called to validate payment. they claim they did not receive. said I have until XXXX and not late fees or interest. It may take 7-10 business days. 
XXXX - called and spoke to XXXX in the XXXX. He said that it may take XXXX business days. He confirmed that he would credit back the {$29.00} late fee. He did not and lied to me. He said that by Monday XXXX it would be resovled. 
XXXX - got a call from Citibank from XXXX. I thought that she was calling to validate our discussions on Friday XXXX with XXXX. She had NO record of any of the notes ( per above ) and she calling to COLLECT as I was late .... really? Ended up paying {$110.00} via bank ACH to resolve while I called my bank to put a stop to the check sent. 
XXXX - call my bank to put a stop payment on check. They indicated it would put a stop on it right away. 
XXXX - called back to Citibank and paid the full remaining balance ( less late fee and interest ) - which came to {$2500.00}. Paid this via ACH. 
XXXX - My bank sent notice that XXXX cashed the original check ( {$2600.00} ) -- -- WOW. They posted the date as XXXX - interesting right!! 
XXXX - called Citibank and spoke to XXXX XXXX who was very helpful ). She said, yes, they owe me a credit now. Request ACH deposit back to my bank- NO can not do. Requested PRIORITY mailing of my refund. She said she would request but it is not in her control. Asked to speak to manager. Got XXXX. Advised him that they have no controls there. Something needs to change. I have had the card since XXXX and never had an issue in making payments. 
XX/XX/XXXX - Still no check. No follow-up on check. My account showed {$0.00} balance and check was credited on XXXX. Called back. Luckily got XXXX again. He said check was cut on XX/XX/XXXX and sent. It will take until XX/XX/XXXX to get it. Well XX/XX/XXXX is a holiday. No tracking number. No verification that I will get it. So, recheck on XX/XX/XXXX. 

This is deceptive practices. This company needs oversight and an investigation. I have impeccable credit. I sent HOURS working with them to resolve and they have no regard for the customer no really care. They take and hold your money with no regard to get it back to you timely.

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 2024-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Dear PayPal Support Team, I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this restriction is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in unauthorized activities. 

Being a devoted PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is of utmost importance to me. I am fully committed to addressing any issues or concerns that may have led to this unfortunate situation. 

I kindly request a comprehensive reevaluation of my case, urging a meticulous examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will uncover an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to resume using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. Should specific documents or details be required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: FL

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had a fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2024-02-16 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies

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 2024-02-16 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: MA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
About a month ago, I had to do an emergence move. Because I had no liquid currency, I did a hardship withdrawal from my employer, XXXX XXXX through their future builder program. I took out a total of about {$3400.00} to be able to pay for moving costs, apartment deposits, and some type of a down payment on a car. 

A week later, they sent the payment in 2 checks. One check was about {$1800.00} and the other was about {$1600.00}. i mobile deposited both checks to JPMorgan Chase Bank, my primary bank. Back in XXXX I had deposited a similar check from the same employer and program, so I expected no problems. 

All of a sudden, ALL access to my Chase bank account got restricted for suspicious activity. All monies in my checking and asset account that I started to build got frozen. After numerous calls to Chase customer service, ( in which they have records of ), I was told the bank was going to release my funds on the XXXX of XXXX. This meant that I had to go borrow money from other places and exhaust my other bank accounts to cover payments for moving as well as living costs. 

I waited till the XXXX of XXXX and heard nothing, next thing I noticed was them pulling my card which was linked to XXXX XXXX. This meant they had closed my account and I had just lost all the money I worked hard for. 

I went physically to their branch, and they could not help me. As a matter of fact, the lady that was helping me at their XXXX XXXX, was frustrated on my behalf because Chase customer service could not assist me even after providing all necessary documentation for verification of the check. I provided chase with different numbers to verify the issuer of the check, I provided them everything they asked for, even tax documents. 

Chase had paid the money to my account and shut it down for suspicious activity. They have put me through emotional, financial, mental and physical stress as I have debts that I have to settle in other ways. 

Till today, I have heard no communication from the bank even after they said they were going to escalate the situation. This is almost forcing me to enforce legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
The Company is sent me a pre-legal notice, when this is the first notification I received from them. They sent it to me via Email, and I never even received a piece of physical mail or a written notice. They claim to be the current creditor of which is a debt is owed. However, the total alleged balance due in the email they sent to me is different from the balance of the original creditor who is claimed to have assigned them the account.They sent me 3 separate pre-legal notices all within a week of each other from two different email addresses : XXXX XXXX I replied to their email and requested that all forms of communication be done through physical mail instead of electronic mail and have yet to receive any notice. I also mentioned that they would be receiving a debt validation letter from me with this being within 30 days of my first point of contact. 

XXXX XXXX XXXX is attempting to collect said alleged debt on the behalf of another company. They claim that I owe Velocity Investments LLC a total Balance Due : {$1100.00}. 

However, The account in which they have been assigned is from, XXXX XXXX XXXX XXXX of XXXX XXXXXXXX XXXX XXXX At the time of discharge The Balance due for this account was in the amount of {$980.00} I will provide statements from my account with XXXX for proof, as well as a screenshot that will show you the final balance once discharged. 

Some of my rights were violated under : 15USC 1692 Congressional Findings & 15 USC 1692d : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

This Company has used obscene language and threatened to take legal action, through a pre-legal notice. 

XXXX XXXX XXXX XXXX is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle was the common-law basis for the assumption of the risk doctrine. 

If this company is the " new '' valid creditor of this alleged debt they also knowingly purchased bad debt, which may also be a predatory pattern for them. 

They assume the risk of taking on said " bad debt '' Many complaints on the XXXX website suggest this as well. A member of Velocity Investments LLC stated in response to a complaint. " Velocity purchased this account in good faith and for value. '' Good faith is a broad term thats used to encompass honest dealing. Depending on the exact setting, good faith may require an honest belief or purpose, faithful performance of duties, observance of fair dealing standards, or an absence of fraudulent intent.

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 2024-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
Someone opened a fraudulent account in my name with XXXX Ive already issued police report on this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
In XXXX of XXXX I made payments as required on my student loans serviced by Mohela. Because Mohela was having difficulty timely processing IDR recertifications, the company placed my account in forbearance without my knowledge or consent. I called the company as asked that the forbearance be removed before I made my XX/XX/XXXX payment. 

On XX/XX/XXXX, I made the full payment due under my IDR plan at the time in the amount of {$1000.00}. Because my account was in a forbearance status, Mohela is not counting the payment as an eligible payment under the PSLF program. I contacted the company on in writing via the online consumer portal on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to get this corrected. To date, the full and timely XX/XX/XXXX payment is still not being credited as an eligible payment. I also called in and spoke to customer service in late XXXX. I was assured on that call that the payment eligibility would be updated. I want my payment correctly counted as I should reach XXXX qualifying payments later this year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: CA

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.

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 explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CCF Intermediate Holdings LLC
State: NV

Complaint narrative:
Since XX/XX/year> till present present time Rapidcash has lied about not receiving payment of my loan. Proof was sent many times to many different emails provided by Rapidcash managers. Bank statements sent via email were confirmed received by Rapidcash via phone directly after emails sent. Copy of receipt showed paid in full also sent and confirmed received. They have harassed me, lied, and caused my XXXX XXXX due to severe stress. I'm due monitory compensation for the extreme abuse and health issues they caused me.

Company response to consumer: Closed with explanation