vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
To brief you about what is going on, I received my federal income tax return as a direct deposit into my Venmo account on XX/XX/XXXX  it was for over {$20000.00} leaving my account total at {$20000.00} on XX/XX/XXXX  Venmo froze my account & asked me to upload my government issued photo ID. I did just that. The next morning I received an auto generated email saying that my account could not be activated & that Venmo would hold my money for 180 days ( 6 months ) I was not able to spend nor transfer a single dollar from my account before my funds became frozen & in the email it said that I violated terms of use, I have called multiple times & spoke with supervisors about my funds, they all review the transaction on my account and tell me the same thing that they cant see any unusual activity on my account that would cause it to be frozen, let alone my funds to be held for 6 months. Those funds were deposited to me from a notarized XXXX XXXX XXXX XXXX XXXX XXXXXXXX as you can see on my account. I have waited almost 2 moths to receive my funds, I have been gettin extensions on my rent & also bill payment & when I finally received the funds Venmo freezes my account and says its holding the funds for 6 months. Thats unfair to me as a consumer & totally unfair & unjust to me as a person. Every time I spoke with some one on the phone they tell me that the department that is handling my case does not take calls or direct emails, & when I receive an email it blatantly says not to respond because it wont be answered. Who am I supposed to speak to about my funds. It seems my money is being stolen from me by Venmo. They have not provided any details about a user violation that they claim took place on my account nor a clear line if communication about my funds they are being bullies. Please help me to get my funds. I have studied the terms and user agreement and as far as a direct deposit of a federal income tax return I have not violated anything. Its my same name XXXX social security # just like they stated in the user agreement. Before the deposit my account was fine now that funds have been deposited its frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NY

Complaint narrative:
On XXXX i downloaded an app with a free trial. I downloaded, signed up and canceled the app trial all within 5 minutes. I was then charged {$160.00} instead of receiving the free trial. The company of the app told me I need to have XXXX process the refund. XXXX denied the dispute so I went to my bank. My bank is telling me they have not received anything from XXXX and It doesnt not look like I will win. XXXX is telling me they have sent the notice to my bank to process the refund. As a result of this I have spent over a month trying to deal with it and XXXX refuses to release that proof to me or reach out to my bank. I will be more than happy to reorganize and send all the documents if wanted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SYNCB/AMAZONCML ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are showing on my credit report which I don't recognize. I tried to file a complaint before to these companies to remove it from my credit report, but no action was taken.

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 2023-10-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I had a Promotional Purchase from Home Depot for Refurbishing my bedrooms bathroom for {$10.00}, XXXX with no interest for 18 months. I had made total payments of {$5100.00} at the end of the promotional, which left a balance of {$480000.00} in XXXX XXXX  My problem is Home Depot is charging me the interest on the original purchase ( {$10000.00} ) instead on the current balance ( {$4800.00} ) as of XX/XX/. I have reached out to them on about 4 times trying to make a settlement, but each time, they have refused to settle.

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 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
This issue is with Capital One over a disputed charge. 

On XX/XX/XXXX  I booked a rental car from XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX. The charge was for {$440.00} on my Capital One Venture card. On XX/XX/XXXX I arrived in XXXX XXXX, and long story short - the company wasn't able to provide me with a rental car and they never refunded my money. There was some issue and they had accidentally overbooked cars. They added my name to a list of XXXX people so they could call me if one became available, and they never called. I ended up getting a rental car through a different company and when I was back from my vacation, I first tried calling XXXX XXXX XXXX gave it a few hours of being hung up on and being passed around via a non-human phone-tree before I gave up. I obviously wish I had read reviews of this scam company before giving them any money. 

On XX/XX/XXXX I called Capital One and they refunded the charge temporarily while they filed a dispute with the company. Just recently ( XX/XX/XXXX ) the refund was reversed and I was charged the full {$440.00}. I've called Capital One several times now and jumped through every hoop they've given me - timestamped phone calls with XXXX, names of customer service agents I've talked to, and as much proof as I can that I never got what I paid for and I was scammed. But ( as of XX/XX/XXXX and XXXX ) I keep getting a vague response about why the claim can't be processed and I need to take it up with the merchant myself. Which, of course, I am unable to contact the merchant, by design. 

Honestly, in 5 or so years I've never had any issues with Capital One before and I'm beyond surprised about this terrible customer service. It seems crazy to me that they'd risk a years-long customer over charging back a {$440.00} scam transaction. And as far as the one agent that kept pinning the blame on VISA  ... I work in the financial industry and I know that is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX account XXXX is a fraud account it supposed to be removed from my experian credit report my social security number is XXXX I filed a federal trade commission identity theft report on file please have experian remove the account in 24 hours

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX  Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I settled a payment arrangement with One Main Financial service. On my credit file they are reporting late payments which is inappropriate, fraudulent and inaccurate. XXXX has been keeping the same information on my credit profile which is hindering my score. XXXX keeps stating the profile is updated but no changes has been made. They have already been fined for reporting inappropriate and inaccurate data. Please delete this account or update my payment history to ND or paid/ settlement because I have not been late on payments so I should not have a negative payment history on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax removed XXXX credit cards accounts with XXXX XXXX XXXX XXXX  and XXXX Bank saying l filed for identity theft which isnt true. I disputed the balance only with them. Never Identity Theft. Also they sent something to XXXX XXXX Stating Identity Theft which isnt true. 

I reported identity theft for the XXXX close accounts with XXXX XXXX and XXXX 

I have XXXX accounts with XXXX XXXX XXXX card account # XXXX ( Card XXXX ) and # XXXX ( Card XXXX XXXX XXXX XXXX XXXX  opened XX/XX/ account # XXXX opened XX/XX/2014 XXXX XXXXCar loan These XXXX accounts are valid accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm so disappointed! Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
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 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
The most recent checking accounts that I've tried to open are unable to verify my identity. The credit bureau said the same thing when I applied for credit recently. The banks that I've tried were huntington, XXXX and XXXX. I keep getting revolving credit on my report and I have not recently filed bankruptcy. XXXX has cleared their report and have contacted them and noticed my check writing privileges hasn't yet been restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear CFPB, I disputed a charge of {$890.00} with Chase bank for the merchant XXXX XXXX XXXX, and got a denial. The original transaction date is on XX/XX/XXXX, and it got rebuilt to my account after the dispute denial on XX/XX/XXXX. I wrote a letter to appeal the dispute result, and got denied again on XX/XX/XXXX saying that the transaction is valid. 

I travelled in XXXX XXXX, and a person in spider man costume asked me to take a photo with me and my girlfriend. After taking the photo, he asked for a tip of {$9.00}. However, I was charged {$900.00}. He left already when I realized that I was charged the wrong amount. 

In the reply letter provided by the merchant for the dispute, they claimed that I bought XXXX paintings and they gave me additional XXXX for free. This is not true, because I just took some photos and never bought anything. In the receipt provided by the merchant, it does not have any itemization that shows what I bought. The address on the receipt is also wrong. It says XXXX XXXX XXXX, XXXX XXXX, California XXXX. This address is actually for XXXX XXXX XXXX from XXXXXXXX XXXX and it does not sell any paintings. The receipt also does not have my wet signature on it although it writes signature verified. I never put my signature for this transaction. 

In the appealing of the dispute denial, I also attached a copy of police report that I filed after I found that I was charged the wrong amount. I also attached the photos that merchant took for my girlfriend, but Chase bank did not look into these and just said they already reviewed all the information to determine the validness of the translation. 

Furthermore, in the whole process, I have experienced a lot of trouble communicating with Chase. They first said that I should reach out to Fraud department, and then Fraud said I should speak with Dispute department. After several correspondence, Dispute department finally agreed to open a case for me. There is no clear ownership from the different departments, and I feel confused on who should I reach out to. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: MS

Complaint narrative:
I have called several times in a days time. This was XX/XX/2023. Everytime I called, I've explained about identity theft and that someone used my social security number and pay card. The times I've tried to explain, I couldn't get a representative. I just want this removed from my report because I have a family and I am looking to buy a bigger home but this hurts my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i requested to the credit bureaus XXXX XXXX and transuion to remove the derogatory accounts that were not mine i submitted an identity theft report and the stated that the information was verified without and documented proof

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i requested to the credit bureaus equifax XXXX XXXX XXXX  to remove the derogatory accounts that were not mine i submitted an identity theft report and the stated that the information was verified without and documented proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo completely drained my personal savings account and applied it to a business debt on a business that was closed due to the pandemic.

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