vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
By law, I am supposed to be paid for everything that was erased from my credit report over the years, and I havent received not one payment. In the below video is what Im required to receive. 

Evidence : XXXX XXXX XXXXXXXX

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 2023-12-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: TX

Complaint narrative:
I bought 5 " NETSPEND '' Visa cards at XXXX in XXXX XXXX AZ to send to my grandkids and daughter for XXXX. 
After purchasing them and opening the packets the instructions looked complicated for a XXXX and XXXX XXXX XXXX. Thus, I tried to get them authorized, first online and then with multiple phone calls. The first took 30-45 min and several calls. They wanted my SS # which I did not think was necessary. After several minutes I found out if one were to use them at stores the SS # was not needed. This was difficult info to get from the reps who spoke poor English. 
It took approx. 3 hours to get these cards all authorized. I decided to spend them at XXXX where I'd gotten cards before. NONE OF THEM WORKED! LATER THE DAY I WAS ABLE TO USE ABOUT {$80.00} at a Resturant, but only 2 cards worked.I later called to get a refund but couldn't access that function on the phone menu. Disgusted, I quit. I spent about {$190.00} on the and was only able to use about {$80.00}. I think these are a scam. XXXX refused to give me a refund. the companies issuing these were " XXXX XXXX XXXX, licensed from Visa USA , Inc ( 4 cards ) and XXXX, also licensed from VISA,

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 2023-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
( Account under XXXX ) PayPal fraudulently withdrew funds from my bank account for an online order, even though the last page as well as an agent from the company confirmed that the order did not go through. I then disputed the charge with Paypal under I paid another way but my PayPal account was also charged with PayPal with detailed information and supporting documentation that a XXXX XXXX XXXX could figure out that I was double charged and PayPal was the one that didnt belong charging my account. But after everything I sent them, they had the nerve to respond and request a document showing that the item was paid for using another payment method. So I sent the documents to them AGAIN, and they actually had the audacity to close my dispute, stating that the transaction was processed correctly So, in a nutshell, PayPal knew that the merchant never billed them for the order, but they still took the funds from my account anyway, and will not give them back. They are frauds.. Scam artists. And this is a serious case of consumer fraud. This is worse than consumer fraud. They straight up stole my money and they need to be punished Funny thing is, they apparently think Im going to just let this go and not report it and they wont have to return the funds as well as not get in trouble. lol

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I setup auto-debit a while ago, but they didn't use it to take my payment and instead said my payment is late/missing. When I try to contact somebody about it, they say they are recieveing too many calls and can't respond, same via e-mail, chat, and phonecall.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
A fraudelent contract was birthed using my identity and sent to collections which is reporting many negative remarks. 
Security Credit Services is attempting to collect a charged off debt.

15 U.S Code 6802 15 U.S Code 6805 Charge offs are considered income and shall not be reported. 
Must be removed from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX - collection reported to XXXX  by Credit Management LP, XXXX, TX XXXX for XXXX {$370.00} delinquent as 0f XX/XX/XXXX. Phone XXXX. 
XX/XX/XXXX - collection reported to XXXX  by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, TX XXXX delinquent for XXXX {$1300.00} past due account XXXX phone XXXX. 
I reported dispute to XXXX  & XXXX restoration. Accounts are fraudulently opened and they are not mine. I have lived at my residence for 30+ years and have no association with these accounts reported under my name and social security.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On Friday, XX/XX/XXXX, I found my consumer banking accounts with JP Morgan Chase to be restricted, preventing payment of bills, including utilities, and leaving me without money or an explanation as to the reason for the account restriction. I called and waited on the phone for about an hour and very little information was provided. I have more than $ XXXX combined in those accounts, and have not been given any certainty on when I will receive my funds. 

I went to two branches and both branch managers were not helpful ; also, a gentleman named XXXX, JP Morgan Chase branch manager in XXXX XXXX, MI ( XXXX XXXX  and XXXX XXXX ), was extremely rude, violating my privacy by approaching me in a crowded lobby to explain details of my personal matter. Other customers were able to hear and even stare at me as those person details were being uttered. Extremely unprofessional. But this is not a customer service complaint. Its a complaint about Chase stealing my money temporarily and then closing my account and saying nothing other than they have a right to do so. After > three years holding multiple accounts ; all of my work-related direct deposits have been with Chase for nearly 3 years. 

The only thing the branches could tell me is that I may need to wait as long as 10 business days to receive the check, and that it would be sent as an overnight delivery. But it could be well into XXXX before I may receive MY money. Crooks. Thieves. 

I'm not sure who or what algorithm resulted in this crime, but this should not be allowed. If you're going to freeze someone's life savings, at least provide notice. Just because you feel you have the right does not make it appropriate to leave someone without money to live on. This is a crime. A crime. A crime. 

First, I demand accountability. I'd like MY money AND an apology. Regardless of their reasoning for not wanting to maintain a banking relationship with me, HOW they end banking relationships is was wrong. 

I earn money from the same employer for two consecutive years, and they've frozen the money of a person working for a living, trying to get by, and preparing to XXXX XXXX XXXX XXXX  in the Spring of XXXX, who was trying to building up savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company is reporting false information to the credit bureaus. I do not own this company any money because I never did business with this company. I have contacted this company multiple times and yet they can not provide me with proof of me owning them anything. Yet I do not owe this company anything they are continuing to report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

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 2023-12-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
To whom it may concern, I wrote you requesting validation of this alleged debt on the month of XX/XX/2023. As of today, I have not heard back from you. It has been 60 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically, the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for you collection of this alleged debt? 4. Please send evidence your authorization to do business or operate in the state of ( Texas ) 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Best Regard

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
I have requested a XXXX From XXXX XXXX XXXX, XXXX XXXX XXXX and kickoff XXXX XXXX so that I can file it on my taxes since they have written of the alleged debt and reported it on my credit report, however they wont send me the 1099c Document. XXXX is reporting my account to the consumer reporting agency but they sold my account to third party debt collector, this account is indisputable it must be deleted. Also I requested XXXX XXXX to validate the alleged debt and all they sent was statements. Theyre required by law to send me the validation procedure according to 12cfr 1006.34c section format and XXXX XXXX failed to do that. I am demanding these accounts to be deleted. Thank you.

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 2023-12-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural peerson and a consumer.

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 2023-12-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: BANKERS HEALTHCARE GROUP LLC
State: UT

Complaint narrative:
I have been repeatedly texted two to three times a week including an email was sent to me in XXXX XXXX stating the amount I owed. This emails, phone calls, voice mails and especially the text messages are extremely overwhelming to me as it doesnt stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Yes, I'm not sure how you guys have found my database or whatever it is but i got a phone call from this number asking me to XXXX XXXX if i want to sign up for the credit card or whatever it may be. i don't want you guys to call me and this needs to be reported to the IRS and I work for the government and I don't want to give out too much information about who am I but i wont answer your phone call ... only by email. 

Your phone number that I was contacted by : 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 2023-12-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), & XXXX XXXX ( XX/XX/XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 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: GA

Complaint narrative:
I resided in Wisconsin until XX/XX/XXXX, where I held a monthly car wash subscription ( XXXX 'XXXX XXXX XXXX ) billed to my Capital One Credit Card ending in XXXX. Upon relocating to XXXX, GA on XX/XX/XXXX, I took proactive steps by canceling the subscription in person with XXXX 's, which does not operate in the state of Georgia. 

The subscription started at {$22.00} and increased to {$26.00}. Despite canceling in person and disputing unauthorized charges with XXXX 's in XXXX and XX/XX/XXXX, their response was to direct me to dispute the charges with my credit card company. Consequently, I lodged disputes with Capital One for charges in XXXX, XXXX, and XX/XX/XXXX, resulting in resolved disputes and credited amounts to my account. 

Surprisingly, subsequent disputes were handled differently, with some closed and initial credits reversed, while others were denied citing the age of the dispute. I am perplexed by the inconsistency in the resolution process, given the identical circumstances. The charges only ceased when I acquired a new card. 

Regrettably, Capital One did not satisfactorily resolve this matter, prompting my request for an investigation by the Consumer Financial Protection Bureau ( CFPB ). I believe I am due credits for the disputed charges, and I seek a fair and comprehensive resolution to this ongoing issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 if 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 2023-12-25 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please see attached documents. Do not clsose this complaint stating it is not me. I am a natural person and a consumer.

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 2023-12-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
On XX/XX/2023, Citizens Bank sent me an XXXX Account XXXX statement alerting me that my monthly escrow payment is going to increase to {$4400.00} ( more than triple what it should be ). 

The home is a new build and the PIN is in process of being split by XXXX XXXX. The end of year escrow analysis done by the bank failed to account for this and I am now being asked to escrow more than what is supposed to be. As a result of this error, my monthly mortgage payment is increasing by over {$3000.00}. I can not afford this. They are asking me to escrow as if my yearly property taxes are {$51000.00} which is incorrect ; my yearly property taxes should be no more than {$16000.00}. 

I have spent several hours on the phone, over XXXX separate occasions trying to get them to freeze/undo the escrow increase. Each time I call, they give me a different timeline on when a resolution will be reached. I called Citizens on each of the resolution dates given, but each time, nothing changes. 

Every time I call, I end up talking to someone in their tax department and they seem to be incapable of following through and doing what they say they will do in order to fix the situation. They are fully aware of the situation and have told me that this increase is not my fault ; they have acknowledged that the escrow amount they are now asking for is incorrect. 

All I need is for someone over there to change my monthly escrow payment back to {$1300.00}. This situation is causing undue financial hardship to me and my family.

Company response to consumer: Closed with explanation