vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third 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 719transunion has me at a score around 590. 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 60 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 60days 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 21 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 XXXX  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 2022-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
XXXX was called by Toyota Financial attempting to collect a debt. Informed them I was not the person they were attempting to contact. Attempted to gain personal information about me ostensibly to verify this. Refused to provide them my information. They claimed they removed the number from their records and I would not be called again. 

XXXX was called again by Toyota Financial XXXX was called again by Toyota Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Hello, I have a major complaint against PayPal. My friend and I tried to use PayPal to transfer money to pay for personal use, and PayPal, without warning, cancelled our transaction, froze the money for 6 months, and permanently banned my friend 's account for reasons unstated. 

When we called PayPal to resolve the issue by offering to validate our account as not fraudulent, created by a third party, etc... they refused at multiple layer of customer service saying the decision was " permanent '' and there was nothing we could do. They have effectively stolen {$1000.00} USD with no way to claim it back. 

I tried to call again, but this time with both of us on the phone as two different PayPal users making the transaction to vouch for my friend. We waited through 4 layers of customers service, reauthenticating, being placed on hold, and after 2 hours, we were on hold and disconnected by PayPal. 

PayPal 's unfounded decision-making, lack of redress options, and ineffective customer service has left us no other choice. Typical Americans can not afford to access the legal system to hold a company like PayPal accountable for their decisions and they know this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX ABLTY RECVRY 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Unauthorized XXXX money transfers from my checking account for total of {$1400.00} in 3 different transaction on XX/XX/2022 reported to my bank but rejected the claim and closed case.

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 2022-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending
State: TX

Complaint narrative:
Supreme Lending advertised a 9 month rate lock as well as up to 3 rate lock extensions for a total of 12 months. 

Supreme Lending has refused to honor their rate lock extension offering with many buyers- including myself - despite having in writing that these options were on the table This is a deceptive practice and violation of UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Made an appointment with local Chase Bank to close out a checking account of a decent. 

1. Appointment with XXXX XXXX 2. Appointment address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX 3. XXXX 4. Provided XXXX with all necessary documents typically needed to close account 5. XXXX acknowledged all documents needed have been received with one exception 6. XXXX advised that Chase Bank requires. letter from the Social Security Administration stating that SSA has no intention to re-coup previous deposits 7. XXXX stated this is not a SSA requirement, rather a Chase Requirement 8. Spoke with local SSA office who stated Chase should not be doing this 9. Local SSA office stated Chase Bank is the only bank doing this 10. Local SSA office stated that SSA has spoken with Chase Bank multiple times regarding this issue 11. Local SSA office stated that Chase is aware this is not a requirement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
At the beginning of summer, our air conditioning and furnace stopped working properly. I contacted a local HVAC business and had them all replaced. To afford this, I had to take out a loan. The loaner is named EnerBankUSA. It took a couple of months, but I realized that some thing was amiss. The company sent me two ( 2 ) bills, and on each, the statement issue date was six ( 6 ) days AFTER the due date. On the XXXX bill the statement issue date was XX/XX/XXXX but the due date was XX/XX/XXXX. For XXXX the issue date was XX/XX/XXXX while the due date was XX/XX/XXXX. Consequently, both months I was required to pay a bill that was doubled up from {$150.00} to {$300.00}. The bill clearly states that I have ten ( 10 ) days to pay the bill after the due date, however it is impossible to pay a bill within ten days when it is issued six days AFTER the due date. I had concerns about this and tried to contact the loaner to address them. On XX/XX/XXXX at approximately XXXX XXXX  XXXX, I attempted to call EnerBankUSA to address my concerns. The automated voice said that I had a 15 minute wait.EnerBandUSA customer service ends at XXXX XXXX At XXXXXXXX XXXX  I hung up as I realized my call would not be answered at that point. At approximately XXXX XXXX. XXXX on XX/XX/XXXX I attempted to make contact via phone once again. The automated voice informed me that my wait time was 20 minutes. At approximately XXXX I a representative picked up and asked me hoe they could help. At the end of my explanation, the phone suddenly cut out. I suspect that they actually hung up on 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 monetary relief
Consumer complaint received 2022-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Avid Acceptance, LLC
State: GA

Complaint narrative:
The auto loan we have with avid acceptance has been in great standings from the first date of open. 
This month someone emailed me about the payment, I am still within my 10 days before it becomes late. 
I expressed to the representative that the car was being paid off and requested a 30 day payoff. 

This was their response. 
Thank you for getting back to me. The 30-day payoff amount is {$8400.00}, good until the XXXX of XXXX. While you are in the process of paying off the loan, we will still need the payment within the grace period ending Friday XX/XX/16. 

*I already explained my intentions. Several collection calls have been made since then. 

Then I got this email on XX/XX/16 Please reach out to me to discuss options for your account. If there is no communication, collection efforts will continue to escalate. The sooner we know what the issue is and what your intentions are, the sooner we can help. Contact me today to discuss options and deadlines. 

* I had already spoke with previous representative about my intentions so why am I being threatened with escalated collection efforts? 
I have never had missed payments on this loan. Yet I am being treated as if I am skipping out on my debt. 

My response was this. 
I have already explained to the first representative. The car is being paid off. There has yet to be a late fee on my account yet I'm being threatened with futher collection actions? The payoff will be paid within the next 30 days. Please make a note on my account so I do not continue to get threatening emails. I understand your " policy '' however this is the plan. 

* & this is what I received in return. 
I will notate this on your file, however, there will be a late fee assessed at end of business today. Until the payoff is received, you are still responsible for payments to be made on time. Accurate reporting and collection efforts will continue. 

*if I am in communication with the company about my intentions I do no feel it is right for escalated collections. This is not fair practice at all.

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 2022-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have been using Venmo for over 3 years now. I have always used it to transfer money from friends and family. On XX/XX/XXXX, Venmo froze my account for no reason. This was after they allowed my sister-in-law to transfer me XXXX XXXX They froze my account and did not allow me to transfer money to my bank account which was desperately needed to pay bills. Now they can hold my money for 180 days, yet there is no explanation of what I did wrong or which rules I have broken. I searched online and found out that this happens to a lot of people. As of today, they have limited my sister-in-laws account as well. I don't know what kind of business practice this is but freezing my account and holding my money with no explanation, this can't be legal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-16 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I accidentally made a double payment on my XXXX XXXX Credit Card. The week of XX/XX/XXXX, I called customer service to request a refund on the overpayment. They acknowledged my request and informed me that I will receive a check with my refund within 14 business days. 

14 business days passed and there was no sign of a refund. I called customer service and they recognized that no check had been sent in error. They apologized, and said that I should see a refund in 7 business days. On XX/XX/XXXX, my overpayment was credited against my account ( returning it back to a XXXX balance ) I waited until the week of XX/XX/XXXX for the check. Nothing had showed up, so once more I called customer service. Again, they apologized and recognized that no check or deposit had ever been initiated for some mysterious reason. The representative did not explain why, but told me they would escalate this issue and I should have my refund within 14 business days. 

14 business days passed without any sign of my refund. Once more, I contacted customer service on XX/XX/XXXX and they informed me that I needed to wait another 24 business days to receive my refund ; however, when I called a different representative, this agent told me that a check was actually in the mail for me and I should receive it by XX/XX/XXXX. 

It is now XX/XX/XXXX and I have no sign of the check. It has now been over 55 business days since I made this refund request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
My identity was stolen me and my family of XXXX  will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX CLOSURE DATE XX/XX/XXXX XXXX XXXX  XXXX CLOSURE DATE XX/XX/XXXX XXXX XXXX  XXXX CLOSURE DATE XX/XX/XXXX MY SSN XXXX DOB XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
iI have reported diffrent things appearing on my credit that are dealing with identity theft i have told the experian, XXXX, and XXXX and sent in police reports and im not able to get items removed the people were using my identity for alot of diffrent things

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 2022-09-17 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: NC

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 7. Validate Inaccurate/Reported Late payment XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 8. Identity Theft XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 9. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 10. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 11. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 12. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 13. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 14. Identity Theft Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 15. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I have notified both the collection agency and original practice that the debt was paid by insurance yet they told credit bureau that it was real and they still refuse to remove it from my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 6. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 7. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 8. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 9. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 10. Identity Theft XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 11. Identity Theft XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 12. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 13. Identity Theft XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 14. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 15. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC 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