vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/2022 I received a bill from Capital One for {$39.00} for a charge I did not make. 
I also contacted the vendor, who agreed with me. 

On XX/XX/2022 I mailed a cover letter with pertinent bill copies to Capital One c/o " Disputes '' ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX XXXX. 
( Copies Attached ). 

On XX/XX/2022, I received a bill again, this time with a late fee, now totaling {$65.00}. I immediately sent another cover letter with pertinent bill copies to Capital One c/o " Disputes '' ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX XXXX. 
( Copies Attached ). 

On XX/XX/2022 I also sent a personal check for {$65.00} to Capital One in order to maintain my excellent credit rating ; done under duress. 

I was informed today that they did not receive my check. 

Capital One has ignored me completely on this issue, with nary a word or correspondence from them whatsoever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2022-06-15 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: PA

Complaint narrative:
On XX/XX/2020, my PayPal account received XXXX deposits of {$240.00} from the state of Arizona and then was used to purchase a XXXX gift card for {$480.00}. It also used the bank account associated with my PayPal account to purchase {$100.00} of bitcoin at the time. This was done by someone without authorization to my PayPal account. I reported this suspicious activity to PayPal and they came to the conclusion that my account was permanently compromised and decided to close my account with PayPal. While I did not understand why my account would be closed if I myself didnt do anything wrong, I understood that after 180 days I would receive a link to transfer my funds from PayPal to my bank account. It has now been 9 months since the 180 day period has passed and I have not received any update from PayPal. I have called their support line, emailed their support team, chatted with a support agent online, and have received the same canned we have no information at the time on your account and to please wait for the email from us. I used my PayPal account for my partner to send their part of the rent and I still have my funds on my account. PayPal is just sitting on my funds for no discernable reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV aka Resurgent Capital Service a company from South Caroline filed a civil lawsuit against me in XXXX XXXX NJ ( XXXX, NJ ) without contacting me or verifying the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im simply disputing my credit scores that have been grossly deflated by the Credit Reporting Agencies and have been reported that way for over 2 years by these same Credit Reporting Agencys. They have been reporting grossly inaccurate information that has caused great HARM to my family and I and continue to do so. Theyve done nothing to fix this.

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 2022-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
XXXX XXXX have restricted my Apple Card since XX/XX/22 and have refused to let me know why or rectify the situation after multiple calls. I'm unable to use my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, DEPT OF ED/XXXX  Account # XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To whom this may concern, I would like to address my concern also my concern also addressed to the CEO XXXX XXXX. Over 1 month ago Target red card sent me a letter on XX/XX/18 saying my account is closed which is so mind bothering I did nothing wrong I submitted my payment now they closed my account and this going to affect my credit score and become a very badly. I even made means right, I returned the items I bought to get back to my balance even made a payment at the store the other day please open my account back OR Make means right either offer an arrangement or settlement. Target red card has truly impacted credit and lied serval times they so call state As a result, your account was closed per the terms of your credit card agreement due to multiple returned payments. When I only authorized one payment why would I make 2 payments in a month .... please help me to understand how fraudulent your system works and send out a arrangement saying multiple payments returned accounts can be closed.I requested this over 1 month ago and still nothing received expected for being lied too your Reps are not trained and they are no help they told me to upload my bank letter which I did and still never heard anything back its kind of sad this is the way a credit company treats their customers. I heard nothing but from them back on.. I SPOKE TO XXXX  AND STILL NOTHING RETURNED. TARGET HAS ALOT OF EXPLAINING AND I WANT THE CEO TO CONTACT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I have a vehicle back in 2018 in my name that the payments was backed up from my understanding the car was repossessed an sold at auction it been reporting on my credit report ever since an I no longer have the vehicle because of repossession an by it being reported late every month it been nothing but a major set back it was financed thought Credit acceptance I think its all fair that we get this problem corrected this been a major set back in my life.Thank you so so much my ex wife was trying to destroy my life now this catching up to me after all these years 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 explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since XX/XX/2022, my personal bank and XXXX companies I pay to monitor my credit scores ( XXXX  and XXXX  ) have been unable to pull my Equifax credit report. This has largely affected my ability to ascertain personal loans as well as a mortgage. I have made several calls to Equifax with no resolution to this major issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/2022 at around XXXX my fiance sent me {$30.00} to my CashApp and I hadn't realized that I did not activate my card. I tried to log into my account to activate the card but was unable to do so as my phone had been stolen just a couple days before. I tried to make a new CashApp to get the money back and told CashApp customer service the issue. They will not help me to gain access to my previous account, despite having verified my identity several times using my full name, date of birth, social security number, and address. They even refuse to help get the funds sent back to my fiances account. Also, They have not refunded the transaction despite it showing canceled on my fiances transaction receipt. They are denying us our money and refusing to help correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: FL

Complaint narrative:
I sent two rounds of dispute letters in thirty day increments to the bureau with the first round being the initial letter that included the dispute of XXXX alleged collections/charge-offs accounts which was signed for on XX/XX/2022. I did receive a response of a generalized validation of those alleged accounts within the proper thirty days requirement. However, a second round dispute letter was sent and signed for on XX/XX/2022 which requested a more in-depth validation such as original contract, wet signature, and itemized debt. Unfortunately, more than thirty days has past without a response, thus per both letters the credit bureau has a legal obligation to delete any and all alleged debts that are not validated within thirty days under the FCRA XXXX provisions.

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 2022-06-15 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: DISCOVER BANK
State: CT

Complaint narrative:
I filed a charge dispute for XXXX with Discover on XX/XX/22 for services that was never provided from a lawyer. XXXX XXXX took my retainer and ghosted me refused all my calls. 

I submitted supporting documents online to Discover XX/XX/22 support my dispute On XX/XX/22 I received email from Discover finding in my favor and refunded charge back to my account On XX/XX/22 I received call from a man name XXXX from the executive office of Discover telling me that he will be billing charges back to my account because he received signed agreement from this lawfirm with my signature. XXXX at Discover executive office never gave me a chance to review these " documents '' he received from lawfirm before making this horrible bad decision. 

I filed complaint with Mass Board of Bars Overseers and after reviewing my case they're investigating this lawfirm for lying misuse of funds code of ethics. 

I am not responsible for any charges from this merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
For the last two years, Ive requested claim documentations from Truist bank. Ive filed claims for purchases to vendors or businesses that didnt render services or faulty product that was received or damaged. Suntrust would file claim over phone but no documentation would be provided not online/ not in mail/ not over phone. I would call months later or see on my online statement that the claim was denied with no documentation of why or what transpired. I have made multiple attempts to retrieve and resolve these through phone/email/social media communications with the company and just with response enough to look as resolution is being made. Ive lost money and resources because of this and also wrote to the Fdic because since small claims can only go so far and other consumers are complaining and results on web search engines is providing recent complaints and stories from other consumers from Truist/suntrust with similar issues.

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 2022-06-15 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: DE

Complaint narrative:
I have been requesting the credit bureaus Equifax, XXXX and XXXX to remove outdated accounts from my report now for over 12 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Delaware. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Roosen, Varchetti & Olivier, PLLC
State: GA

Complaint narrative:
I currently have loans in forbearance with XXXX. Sometime last year I was served by the XXXX XXXX police department for a suet filed against me for the loans with XXXX XXXX Plaintiff Bar number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Roosen Varchetti & Olivier law firm, the law firm that represents them ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been aware of having any loans with XXXX XXXX. During the trial they provided loans they ( XXXX XXXX XXXX XXXX XXXX XXXX ) alleged were purchased by XXXX XXXX  XXXX which they claim included loans that were made to me from XXXX XXXX  XXXX I am not able to verify this loan ( XXXX XXXX XXXX XXXX XXXX ). Although I have no knowledge of this loan, the judge ruled in favor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX During the trial they had erroneous documents with redacted information that could not be verified by me. Now I am being sued again for two other loans, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in which I do not know the origin of these loans ( they are also being represented by Roosen Varchetti & Olivier law firm in XXXX XXXX XXXX in XXXX Georgia XXXX ) XXXX The Attorney is XXXX XXXX for XXXX XXXX XXXX XXXX XXXX, she works in the law firm Roosen Varchetti & Olivier law firm. I have seen where XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX was sued by the CFPB for fraudulent loan collection activity and I am confident this is the case with these loans they are claiming I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act these accounts have violated my rights : Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a 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 2022-06-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2022-06-15 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:
In accordance with the Fair Credit Reporting Act : XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I initiated wire transfer of {$250000.00} from my Ally Bank savings account to my XXXX XXXX savings account for a home purchase deposit at XXXX PST on XX/XX/2022. Later that morning, I received an email saying my Ally online account has been suspended and my account has been flagged for a fraud investigation. Per the instructions in the email, I called Ally 's fraud investigation department and was treated like a criminal undergoing an interrogation. The Ally representative needed me to upload a bank statement from my previous bank, which I complied to. 

I did not hear anything until the next day, where I received another email from Ally asking to call them to provide more information, and to call the same fraud investigation department phone number. When I called Ally, I was met by another rude representative on the other end, who continued to interrogate me with questions on why I'm making the wire transfer. I asked when the money would be transferred and when I can regain access to my account, to which the representative basically said they didn't know. 

Today, I called them again to obtain a status update. Again, no updates were provided. When I asked again when they expect the investigation to be complete and when my account will be restored, the representative said it could take up to 30 business days, and to call back in 7-10 business days for another update.

Now my home purchase and closing is at major risk and it's likely I will lose out on it. Not only that, but I have no idea where my {$250000.00} is and when I will be able to recover it.

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 2022-06-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to 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 non-monetary relief
Consumer complaint received 2022-06-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to 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 response to consumer: Closed with explanation