vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I reported to Venmo that my account had fraudulent activity and received an email in the middle of the night and I was told my account was frozen and I needed to send in a copy of my ID again. I did this just to get a response saying thank you for sending that but we are closing your account due to fraudulent activity. The said they were closing my account they have not closed it and still keeps accepting funds I was told IF I can get my money back it would be in 180 days and they still havent closed my account. I have emails as proof they stated they were going to close it and the have it open with me not being able to access anything. I have told them and was told the account would b closed and they wont respond back to me now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: MD

Complaint narrative:
There are multiple fraudulent accounts and inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times and they're still reporting on my credit report. 
I'm reaching out regarding these fraudulent accounts and inquiries and for assistance to remove these fraudulent accounts and inquiries from my credit report 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 non-monetary relief
Consumer complaint received 2022-12-16 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: MD

Complaint narrative:
There are multiple fraudulent accounts and inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times and they're still reporting on my credit report. 
I'm reaching out regarding these fraudulent accounts and inquiries and for assistance to remove these fraudulent accounts and inquiries from my credit report 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 non-monetary relief
Consumer complaint received 2022-12-16 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act the following credit reporting agencies, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose They are reporting late payments on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: FL

Complaint narrative:
There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report 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 non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Thanks for the response, however I did not receive the check reissued in my name, dated XX/XX/2020 in the amount of {$3800.00}. All checks were reissued with the exception of this one, check number XXXX. It was returned to escrow when that check should have been reissued in my name, XXXX XXXX. Please assist. Why was that check not reissued to me? Please refer to complaint # XXXX where this was never addressed and resolved.

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 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Pavilion Payments US BuyerCo, LLC
State: NJ

Complaint narrative:
Maybe the CFPB has some authority here. The credit card processor for my small business has adopted XXXX  noncompliance fee policies and procedures that are causing harm to the small business community. Hopefully I can upload the full explanation, but in short, my card processor, Global Payments Inc., charged my small business {$16000.00} in punitive non compliance fees. These fees amounted to over 5 % of card receipts at one location, and .8 % of card receipt across 8 locations. The fees have no relationship to any meaningful measure of risk, like card receipts, customer volume, my companies polices and procedures, it's legal structure, or whether my company even retains customer cardholder information. To put the size of the fees into perspective, the XXXX XXXX XXXX permitted processors to charge a fee of XXXX of transaction volume for debit card processing, inclusive of XXXX XXXX 's for fraud loss, and .01 % per transaction for fraud prevention costs. Global Payments PCI non compliance fees alone are four times than the total fee for processing a debit card payment. The fees are XXXX times higher than the risk related fees allowed by the XXXX XXXX XXXX for debit card processing. 
Global Payments charges duplicative fees, one for being non compliant, and one for not completing the compliance process. Moreover, consider this example, XXXX 's fee structure is such that my small business, with it's annual {$1.00} XXXX in credit card receipts, pays penalty fees that are 8 times higher than a company with {$400.00} XXXX in annual credit card receipts but a single merchant number. 
XXXX gave little warning of it's fee policy, listing it in small print in it's XX/XX/XXXX statements. It initiated charges in XXXX of XXXX. It's first outreach to me, by email, was in XXXX, 18 months after it started charging. 
XXXX says it has hundreds of thousands of small business customers. If they had XXXX small business customers, and charged them the same way they charged my company, XXXX would generate {$130.00} XXXX in revenue a month, or {$1.00} XXXX a year. These fees are a tremendous disincentive to XXXX to support it's small business customers to help them become PCI compliant. The timing of their first outreach to me is further evidence of this conflict.

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 2022-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC
State: AZ

Complaint narrative:
Sunlight Financial is our lender for solar panels. When trying to create an account to monitor and review progress of our loan we received the following, " XXXX XXXX has not opted-in to offer consumer XXXX XXXX XXXX XXXX customers. '' That response seems intentionally un-transparent that they would " opt out '' of allowing consumers to view their account standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: IN

Complaint narrative:
On XX/XX/XXXX, my PayPal account was permanently locked with {$38.00} in pending funds. I called PayPal customer service, and they could not provide a reason for the lockout or any support in remedying the issue. To my knowledge, there is no behavior on my account that should have caused this. My PayPal account reads, " We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Transworld Systems is attempting to collect a debt and they a. are not licensed to collect debt in Illinois b. Refused to send verification of debt I requested verification of debt XX/XX/22 to Transworld Systems XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX and the letter was returned to sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/2022 XXXX Acccount XXXX Your company is in clear violation of the law. Under XXXX5 USC 168b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) and consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( XXXX  ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, The FCRA 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( XXXX ) Exclusions -- Except as provided in paragraph XXXX, the term consumer credit report include -- ( A ) Subject to section 1681s-3 of this title any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Delete the above late payments from my consumer report this agency is in violation of 15 USC 1681 ( 2 ) ( a ) ( i )

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 2022-12-16 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXX XXXX XX/XX/XXXX {$27000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXXriginal Creditor : XXXX XXXXXXXX ) XXXX XX/XX/XXXX {$520.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$790.00} XXXX XXXX XXXX XX/XX/XXXX {$260.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
On or about XX/XX/2022 Regions Bank allowed scammers to make 3 withdrawals from our business account totaling {$120000.00}. Before the withdrawals were completed Regions Bank called me on the phone to alert me that some fraudulent activity was in progress. I immediately let Regions know that I was not in the process of doing any withdrawals at that time. I went to the local bank within 10 minutes. However, Regions allowed the funds to leave my account. It's been about a month and Regions has not returned the money. We are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We have bounced checks and are in need of the funds to meet payroll.

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 2022-12-16 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have spent almost a month trying to discuss my concerns with Barclays by calling the customer service department. I first reported a dispute claim # XXXX for {$75.00} sometime around XX/XX/2022. My concern is I made a purchase of {$150.00}, this was for two pairs of jeans. One pair was returned to the store and I got my refund of {$75.00}. I had to send the other jean through the post office however to date I have not received my refund from the merchant XXXX for the remaining balance of {$75.00}. My claim was closed because the claims processor immediately assumed that the one credit of {$75.00} I had already gotten was what I was disputing, but they are wrong with the choice they made and did not understand this claim at all. Since then I have been trying to explain to Barclays that my claim was closed in error and was not looked into accurately or even understood accurately by fax and by calling customer service. I spent numerous amount of time calling XXXX but there is an extreme amount of time that I have to be on hold then when you finally get someone you either hear kids in the background yelling or the call just disconnects. I really need someone serious and respectful to help me with my concern. My patience is exhausting and it is getting to the point where I might just cancel and close this account. The customer service for the Barclays Aviator is terrible.

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 2022-12-16 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: AL

Complaint narrative:
I am submitting this without any influence and this is not a XXXX  party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2022-12-16 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: GOLDMAN SACHS BANK USA
State: PR

Complaint narrative:
so on XXXX XXXX i bought an item for XXXX and i quickly wanted to be cancel cause i dont want it as its my right to refuse the item, well this company ignore my request and told me that i couldnt do it and told me that just to sell the item on there website, i told them many times i dont want the item and please just to refund me they still denied me and sent the item either way, i received the item and i return it back to its sender, after i told them that they still refuse to give a refund so i went with my credit card company which is ( apple ) i submitted every single evidence in my part and with that i was calm cause i know i was in the right, i received my email today XX/XX/2022 saying that i lost the dispute and the reason that i lost was because supposedly The evidence we received confirms that all sales were final at the time of purchase like that doesnt make any sense it doesnt matter if there were final i returned the item and they refuse the item so what i am my supposed to do i did everything but they still refuse to give me a refund, other that just sketchy to tell your customers to sell it in your website that just the worst place i resubmitted the dispute and will provide the same evidence i did and the worst of all i need to wait 2 billing cycle to get answer which is really disappointing, please i need your help with this apple is not doing its part as a fair credit card company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased a new XXXX XXXX XXXX XXXX in XXXX of XXXX. It took a bit longer in paying off the vehicle. The principle was Satisfied XXXX of XXXX with Regional Acceptance Corporation the finance company. XXXX XXXX hurricane Ian happened the car was destroyed. I've been trying to get them to wave the excess fees because the principle is paid. They are ruining my credit predatory with this loan. I even asked to eork a deal out or settlement. They aren't willing, to comply. I lost everything including all my other possessions my home. I've asked for my principle satisfaction and they won't provide it to me. XXXX has never given any money for the vehicle. Insurance nothing. I've shown proof of loss yet they aren't willing to comply or settle with me.

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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-16 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXX XXXX XX/XX/XXXX {$27000.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX  XXXX ) XXXX XX/XX/XXXX {$520.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XX/XX/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 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 non-monetary relief