vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I reached out to PayPal and ( subsequently Venmo since PayPal uses that as well ) to find reason as to why my accounts were frozen. 

Earlier this XXXX, after I had gotten back from vacation, I had to contact PayPal via email and multiple phone calls as to why my account was frozen and how I could proceed with reinstating my account. After overtly long phone calls with the representatives, they outright denied further assistance with finding out why it was closed ( and directing me back to disputes -- even though that wouldn't help ) Earlier today, I had a similar cycle with Venmo, both in email and phone form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
Transactions were made from my XXXX XXXXXXXX XXXX checking account that I did not make. 
I received a text message with XXXX XXXXXXXX XXXX header asking if I made those transactions to which I replied no I immediately received a call from a man posing as a XXXX rep. They walked me through steps which lead to me sending a XXXX  transaction of XXXX. 
XXXX XXXX  XXXX is denying reimbursement saying that I initiated the transfer so I am not entitled. 
It was the fraudulent charges that were initially made that allowed the criminal to gain my trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I received an alert from XXXX XXXX XXXX XXXX XXXX that there was a collection debt on my XXXX account {$680.00} on XX/XX/2022. I immediately disputed it with the credit Bureau XXXX on this same date. I also wrote and sent a certified dispute letter to the collection agency where the dispute came from on XX/XX/2022 asking for an accurate validation of the debt this agency stated I owe and their right to collect this debt from me. I received a bill from identifying my name and that this agency states that they are in receipt of verifying the referenced account I inquired about. The account was not verified correctly as requested. Credence Resource Management has enclosed to me a XXXX XXXX dated in for a bill period of XXXX XXXX- XXXX XXXX with an account number and amount of the bill in question with and address that I never has lived at. I currently have an account with XXXX so my personal information must have been used to obtain an account in my name. Credence took advantage of this matter and is now trying to collect this amount from me without a proper validation. I believe I have been a victim of identity theft for a charge I did not authorized in my name and the address on the XXXX XXXX is not on my XXXX credit file. There are no signatures stating I made this account valid for collections with this agency. This request is being made in pursuant to the Fair Credit Billing Act Amendments to the Truth in Lending Act. 15 U. S C 1666-1666b, 12 C.F.R, 226.13. I'm requesting for this to be made fair and remove from my credit report because it is damaging to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 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: TN

Complaint narrative:
Equifax has been listing me as deceased on my credit report despite multiple phone calls and certified letters informing them that XXXX XXXX and XXXX XXXX  have mixed my deceased fathers accounts with mine. These accounts are : XXXX XXXX # XXXX and XXXX XXXX # XXXX. I have sent them proof of life including my current XXXX passport, social security card and my current utility bill but they have failed to remove these XXXX inaccurate accounts. I have attached a photo of these XXXX accounts from my most recent credit report ( XX/XX/XXXX, Confirmation # XXXX ) along with XXXX of the past certified letters sent XX/XX/XXXX. Despite my requests and evidence to prove this is a mix file and I am not dead, Equifax has ignored me, continued to list me as dead and violated my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Hi I made a purchase on XX/XX/2022 off XXXX XXXX I tried to reach them with no success. I found out it was a fraudulent company through another company. I never received the item so a called in XXXX before the 90 day cut off. I never received a provisional credit for the purchase. I was told it would take XXXX to investigate the dispute. I called after the 90 days because I was never credited. I was told they are still investigating. I spoke to several people including XXXX supervisors XXXX, XXXX, XXXX and XXXX and got no where. I am on the phone with yet another supervisor XXXX  and getting no where again. He wants me to put in another dispute and wait another 90 days. I just want my {$140.00} back. This is ABSOLUTELY UNACCEPTABLE. How many times do I have to call to get my money back. He put another dispute through this time someone gave me a reference number XXXX. I have not receive any mail or emails regarding the dispute. I sent several message through my online for the credit card and also did not get any where with them. Please help me get my money back it is not a lot of money, but it is my money. This company has made so much money on me for finance charges and I was always a good loyal customer that was never late. 
Thank you XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hard inquiries on my credit report I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-17 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: NC

Complaint narrative:
Hard inquiries on my credit report I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
Since two years ago I have been on the debt relief program with Freedom Debt Relief, paying a fee for legal representation in case a debt escalates to a lawsuit. One of the enrolled debts escalated to a XXXX, on XX/XX/XXXX, I sent the summons to FDR and they confirmed by email they retained an attorney for me as part of their services, which I have been paying. I Signed a POA. The attorney never answered or appeared in court, and I got a XXXX XXXX XXXX  on XX/XX/XXXX, and the other party is asking for summary judgment. I have called FDR to ask why the atty did not anything and they are asking me for money to deposit in the account with then to send information to the law firm to take care of the case if I don't pay FDR they will not send the information to the Atty. I have explained the situation to several agents in FDR and they keep saying I need to pay FDR to send the info to the Atty. FDR prevailed me to retain another attorney because they offered me legal representation and they retained an attorney for my case as part of what I paid, and they did not do anything about my case. Now I am one step behind a summary judgement without legal represation cause FDR is kind of blackmailing me to make deposit more than I should. I consider this an scam and black mail. The debt is more than XXXX and the damage this situation can cause me is terrible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
Remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2023 or provide proof in writing within 30 days.

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 2023-01-17 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: Paypal Holdings, Inc
State: MO

Complaint narrative:
PayPal charged {$140.00} onto my XXXX XXXX XXXX shown as a transaction from XXXX. I have handled this with both PayPal and XXXX to no avail. Both PayPal and XXXX is trying to cover-up this charge as the file will reflect. I am attaching a letter address to Consumer Financial Protection Bureau explaining all of the handling I have given this problem. I have also attached 3 Exhibits that supports everything I am contending regarding this fraud. Neither PayPal nor XXXX can explain what the charge is for nor can either provide any information on this charge. I have not made any transactions with XXXX for a number of years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17 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: IL

Complaint narrative:
I have contacted the court and they verified that they do not report bankruptcy to you all therefore this information is not verifiable and must be removed. it's clear they do not report to you XXXX, Transunion or XXXX or to any Credit Bureau for that matter therefore your Original response verifying the item with the court was either a lie or an error either way the reporting requirement Do Not Comply with FCRA and FTC laws and the be deleted immediately.

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 2023-01-17 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: IL

Complaint narrative:
I have contacted the court and they verified that they do not report bankruptcy to you all therefore this information is not verifiable and must be removed. it's clear they do not report to you XXXX, XXXX or Equifax or to any Credit Bureau for that matter therefore your Original response verifying the item with the court was either a lie or an error either way the reporting requirement Do Not Comply with FCRA and FTC laws and the be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOPENED A FRAUDELENT XXXX XXXX  CREDIT CARD ACCOUNT ON XXXX XXXX XXXX WITHOUT MY PERMISSION.
I HAVE CALLED THE SPECIALIST FRAUD DIVISION ON THE ABOVE TELEPHONE NUMBER  WHO ADVISED ME TO FILE A REPORT WITH YOU.
NO LETTER WAS SENT AND NO CONSENT WAS TAKEN

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened an account with capital one bank. 
I have deposited checks that are in total of {$130000.00} they tried to verify the checks, and they were able to verify all check except for one I tried to work with them to help them get in touch whit the congregation that gave me this check for about {$21000.00} in the meantime, I got an email that my account is closed, and they told me that they are holding my money until they end the investigation on the checks ( that includes checks that they verified already )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
recently pulled a copy of my credit reports and have noticed that some of the accounts on my reports do not belong to me. These fraudulent accounts are the result of my identity being stolen in the past and personal information being compromised.

I was referred to create an official police report about the incident and situation to document the accounts and details. Any help I can receive will be extremely helpful as I will forward any evidence and information your department can find out to the appropriate credit bureaus and agencies. Please take note of the following accounts and information that does not belong to me and has been created fraudulently : 1. 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 XXXX XXXX XXXXCAPITAL ONE ; 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
There was a package that was temporarily lost I ordered via XXXX back on or aroundXXXX XXXX  XXXX for XXXX in total, XXXX for the transaction and the remainder for exchange fees. 

The recipient initially told me the package was lost and not delivered to the right location. This was in error. I had reported the package lost to Amex, who dispuited the charge. They reached out to XXXX, who placed a block on the sender, XXXXXXXX XXXX XXXX XXXXXXXX. 

XXXX has been unable to conduct business effectively because AMEX claims that their system was not sending automated communication to XXXX the issue is resolved. The dispute was rescinded on or around XX/XX/XXXX. Payment was made to AMEX on the accurate charge back on XX/XX/XXXX. This money is still not sent to XXXX via XXXX. AMEX is either intentionally or unintentionally keeping the funds. 

I have called weekly about this issue and spoken with a supervisor most recently on XX/XX/XXXX saying a technical issue never seen the cancellation to XXXX. 

This is well beyond unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2022 or provide proof in writing within 30 days.

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 2023-01-17 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX the XXXX 2022, I was unaware of a credit check from SYNCB that resulted from a hard inquiry. I purchased an item through the agency XXXX XXXX XXXX. As I purchased the item with the cashier they signed me up for me to take out a card and I agreed, I later declined and the cashier told me that she canceled my transaction. At the time I did not worry about it since I thought this will not affect me. I later then find out through XXXX XXXX  that XXXX shows I have a hard inquiry and this could impact my credit. I immediately call XXXX XXXX XXXX to get this disputed and they can't seem to find any information under my name or by social security number, and they say I am not even a customer as if I do not exist. At this moment I would like to file a complaint for inaccurate information on my credit report towards SYNCB. 


Thank you for your time and consideration.

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 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
Recently seen a late payment on my credit report from fortivia that I do not recognize. According to the FCRA transactions are not supposed to show on a consumer credit report. I know that this an billing error and I just would like for it to be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX charged {$2300.00} for auto renewal of 3 season passes. As soon as saw the charge, on or about XX/XX/XXXX called XXXX requesting the season passes be CANCELED. This charge was 275 % over the previous years charge. The XXXX invoice was emailed XX/XX/XXXX AFTER the charge hit my American Express. 

Tried to resolve with XXXX via email and phone calls, no avail. Reached out to American Express to dispute. This dispute has come back a 4th time with a partial charge. 

Since both XXXX and American Express were notified within days of the charge, the request for cancellation and the passes have not been utilized with no intention of utilizing the passes. This billing and rebilling has been going on for over 4 months and over half the ski season is over at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
A man saying he was from Truist Bank fraud claim some one was trying to open an account in my name then he tried to get personal information from me. He called from XXXX. He hung up when I refused. 4 minutes later a woman called saying she was from Truist Bank XXXX XXXX XXXX. I told I was calling law enforcement. Her Name on the caller ID is XXXX XXXX. I call the Real Truist Bank but you can not get a live person on their fraud line.

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 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account genesis credit managementXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account, has violated my rights. 
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

Company response to consumer: Closed with explanation