vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I was looking to purchase a second hand XXXX for my girlfriends birthday, and came across many on XXXX XXXX. There were some individuals on there that raised my suspicion of potential fraud, however found a reasonable offer by XXXX XXXX that seemed trustworthy and had already sold an XXXX not long ago. Initially, I was planning on picking up the XXXX is person, but forgot to on saturday which opened the door to another customer. I spoke to XXXX via XXXX on Sunday XXXX and agreed to give a deposit of XXXX to hold the XXXX for me, so that I can pick it up the next day. I was given a rather trustworthy address and his mobile number - XXXX XXXX XXXX, XXXX XXXX, XXXX. I then send the original XXXX deposit to his friends PayPal account ( As his is not working ) ; XXXX and was told that it was received. Then I was asked if i would like to pay for the rest via PayPal to make picking it up easier the next day, and also avoid cash in these covid times, so I agreed. Once I sent it, he went to check with his mate and told me that his mate accidentally refunded the amount and will take 1-3 days for it to come back into my account. I gave it a day and no update on my PayPal, so I got in touch with PayPal and was told there is no visible refund being processed under my account on PayPal, and was advised that the individual has not pressed the refund button. I have now sent the initial XXXX deposit plus XXXX ( Totalling XXXX ), and have not received the XXXX XXXX XXXX XXXX. I am a current student at XXXX XXXX XXXX University XXXX and would very much apprecaite all the help you guys can offer in catching these scammers, robbing people off their money. 

Response from My Bank ( XXXX XXXX ) : The transaction that was made, was successful in reaching its intended destination, As the transaction was made through Paypal friends and family, this is a transfer of the funds to an account held by the individual involved. 
We have no valid chargeback rights to reclaim the funds through XXXX, as the service of transferring the funds was successful. 
Making a transaction of this nature for specific goods/services is made at your own risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Financial Group, Inc.
State: MD

Complaint narrative:
This is not done in error and/or third party. I consumer ( XXXX XXXX ) recently review a copy of my credit report and I realize that as a consumer Pinnacle Financial Group is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They continuously communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. This debt is false and misleading which is another violation according to 15 USC 1692e. Another violation is that this company is violating 15 USC 1692f. I have attached my ID to help identify me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XXXX/XXXX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XXXX/XXXX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On my pervious first second third reques, I wrote to you requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: AL

Complaint narrative:
I have been reaching out to Equifax for over 6 months because they are inaccurately reporting a XXXX XXXX Account on my Credit Report! 

The Balance Owed is Incorrect The Account is Reporting as an Open Collections Account ( 120 days late ) - Also inaccurate I have asked for verification methods several times and have simply been ignored. They responded once in XXXX and stated the information was verified but not once have they provided proof! They simply keep stating they do not have to provide such information and that they would no longer investigate this account. 

This is a Violation of my rights! Everything reporting on my report has to be 100 % valid r else it has to be removed. 

The account is also past statue of limitations!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the incorrect information regarding the amount of {$27000.00} on the year of XXXX, {$1900.00} that reported in XXXX, {$3300.00} also on XXXX, {$2600.00} in XXXX, {$1600.00} in XXXX, {$1100.00} in XXXX, {$9900.00} in XXXX, {$4000.00} in XXXX, {$5200.00} in XXXX, {$9500.00} in XXXX all of which are incorrect, have been reaged or duplicated. The XXXX credit bureau 's have also failed to respond within 30 days of my disputes in the past.

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 2021-12-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am submitting a new complaint as suggested by CFPB because XXXX was closed without having been addressed. It seems that Band of America thought for whatever reason that the complaint was submitted fraudulently and they claim to have been unable to verify my identity. That could have been accomplished had XXXX at XXXX x XXXX returned any of the voicemails I left for her in an attempt to address this complaint. She couldn't be bothered. 

The previous complaint was : An offshore transaction, which I've made previously, prompted a text message asking if the charge was recognized. I replied yes and the response was that the transaction was authorized. Several days later, I began a mobile withdrawal, which is available through the bank app, permitting you to input the amount you'd like to withdraw. I received notification that everything was in order, and I could go to the ATM to pick up cash. When I arrived at the ATM, miles away, the machine indicated that my card had been locked due to irregular activity. I called the bank, was told that they had the confirmation of the original transaction, and the card should not have been locked. They offered an apology for " the inconvenience. '' I asked which controls that were to have been in place to prevent this failed. Bank of America will submit XXXX and XXXX reports and this will clearly appear as a qualified opinion.

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 2021-12-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Hello, I am an individual realtor in XXXX, PA that was eligible for the XXXX 'S XXXX Loan. I applied through Citizens Bank and was approved for {$20000.00}. The documents submitted to apply included tax returns and other financial documents clearly outlining the income for the previous year ( s ). All funds were used as directed by XXXX to be able to apply for full forgiveness, such as payroll. Citizens has deemed that only {$9200.00} of the loan is eligible for forgiveness. 

After making MANY attempts to email and speak with Citizens I have not had emails returned, calls answered or any communication from Citizens. I have spent hours on hold, have been hung up on by representatives, emails for information and requests to have the Office of the Chairman call to sort this out have gone unreturned. I've requested several times to have the forgiveness about reviewed, to no avail. Citizens has been non-responsive and I am caught in a black hole. 

Citizens has unexpectedly debited my account at XXXX XXXX times without my permission. Taking well over a thousand dollars, twice without notice or approval. 

The XXXX has advised me that this lender is not registered with the XXXX 'S direct forgiveness system. The lender is not making any effort to review the forgiveness amount, they seem to be counting on benefiting from issuing the XXXX loan and not forgiving loans that are eligible for 100 % forgiveness according to the XXXX. Had I known about Citizens business tactics I never would have worked with them. Their business practices are unforgivable and should be better regulated. 

Citizens has sent a demand letter seeking full payment of {$11000.00} due within 10 days. I have emails, screen shots, and phone records showing many attempts to communicate with the lender, but they are non-communicative. A complaint has also been issued through The Office of Comptroller of Currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On my pervious first second third reques, I wrote to you requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

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 2021-12-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On my pervious first second third reques, I wrote to you requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

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 2021-12-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION
State: IN

Complaint narrative:
I received a call from XXXX and XXXX XXXX that I still owe Check n Go for a loan from XXXX. I paid this off in XXXX with a different collection agency in XXXX of XXXX. 

Please contact XXXX and XXXX XXXX and tell them I have paid this off. I have attached the paid in full letter. 

I am not sure where the disconnect is here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed the incorrect information regarding the amount of {$27000.00} on the year of XXXX, {$1900.00} that reported in XXXX, {$3300.00} also on XXXX, {$2600.00} in XXXX, {$1600.00} in XXXX, {$1100.00} in XXXX, {$9900.00} in XXXX, {$4000.00} in XXXX, {$5200.00} in XXXX, {$9500.00} in XXXX all of which are incorrect, have been reaged or duplicated. The XXXX credit bureau 's have also failed to respond within 30 days of my disputes in the past.

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 2021-12-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed the incorrect information regarding the amount of {$27000.00} on the year of XXXX, {$1900.00} that reported in XXXX, {$3300.00} also on XXXX, {$2600.00} in XXXX, {$1600.00} in XXXX, {$1100.00} in XXXX, {$9900.00} in XXXX, {$4000.00} in XXXX, {$5200.00} in XXXX, {$9500.00} in XXXX all of which are incorrect, have been reaged or duplicated. The XXXX credit bureau 's have also failed to respond within 30 days of my disputes in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My checking account with JP Chase Morgan was compromised and the second I discovered a fraudulent check was made for {$500.00}! On XX/XX/XXXX I made my bank aware of it. 
I reported it on XX/XX/XXXX. I went into my bank and opened a new account with the branch manager XXXX. Opening up a new bank account is never easy because I have to notify so many accounts that I have automatically deposited and withdrawn as you can only imagine because I have had this bank account for so many years. 
My funds were to be transferred over to my new account. The funds were never transfer to my new account and my old account now was frozen. I was without access to any money for a few days and I could not have it resolved over the phone. 
I then went back into my bank and after hours I finally had access to my new account. My old account which was compromised was to be closed and as of today I found out it was NOT closed as it still remains open because I was notified that I have two charges of {$34.00} of insufficient fund fees. 
After all this and waiting to hear a response regarding this fraudulent matter on my account I expecting a call or a letter which I did not receive neither ... .so I called Chase XXXX 
I was told that my dispute of this fraudulent check being made was not only not investigated it was simply DENIED??? 
The reason was because I did not report it in time? My cutoff date was the XX/XX/XXXX and I reported it on the XXXX. I then asked to appeal the denied response which they did and I called back in a weeks time and it was STILL not only NOT investigated it was just simply denied again and a representative by the name of XXXX said there was absolutely no way to open the claim back up. 
I have banked with Chase for many many years and as a valued customer I would have believed that I would have been protected of any fraudulent matters on my account. I respectfully request that they honor me a 4 day grace period of reporting this fraud because I contacted them the minute I discovered it and I ask that they help me get my {$500.00} back. 
I am reaching out to you the Consumer Financial Protection Bureau in hopes that you can help me protect the funds that I have lost. 

Sincerely XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-17 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: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
This sequium account has been erased from my report multiple times. And its just now back as of 30days ago. Please verify why this account is back after being removed 30 times.

Attached are my identity theft report, ID, SSN, and proof of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: Nelnet, Inc.
State: TN

Complaint narrative:
I am a natural person and federally protected consumer. I am responding to your email contact about a alleged debt you are attempting to collect. You contacted me by email on XX/XX/2021. You identified the alleged debt amount as {$11000.00}. 

In pursuant to 15 U.S.Code 1692a ( 3 ), the term consumer means any natural person obligated or allegedly obligated to pay any debt. The term creditor means any person who offers or extends credit creating a debt or to who debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. I am the natural person that extended the credit meaning I am the original creditor. 

In pursuant to 15 U.S.C 1692b ( 2 ), Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Great Lakes Services has violated federal law by stating that I owe an alleged debt. Im pursuant to 15 U.S.Code 1692g, I am demanding validation and documentary evidence of this alleged debt. 

In pursuant to 15 U.S.Code 1692c ( c ), Please stop all communication with me and with this address about this debt. I am demanding that you remove this account from all major credit reporting agencies. 

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit reporting agency ( or have already done so ), also report that the debt is disputed.

Company response to consumer: Closed with explanation