vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
The report contains inaccurate information and company failed to provide the information I requested. XXXX experienced a major data breach which means everything on my consumer credit report was breached. Please remove these items from my XXXX report due to inconsistent and inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hi my name is XXXX XXXX, I am the owner of my Venmo acct, with routing XXXX ; an account XXXX. I have recently made a complaint ( complaint XXXX ) that was responded to ; however the response at XXXX point said " we weren't able to successfully validate the tax return document you uploaded in order to verify the legitimacy of the deposit. This could mean it was altered, expired, missing information, or doesn't match your Venmo Account. However I was never asked to send in any documents regarding my tax refund amount or authenticity of my return. So how can you just LIE an say that?? I have all the proof you need to show my tax return amount, as well as my proof of identity. 


the response also said my funds would be released after 180 days ( 6 months ). This is too long of a wait to not have my funds, as I have to pay rent, child support, my phone bill, ect... I understand they have a policy, but this is just holding my funds for no reason other than to hold them. I've seen numerous reports online about " venmo '' sending XXXX automated responses to people an then holding their funds. It should not have to take 180 days to realize if funds were fraudulent or not, let alone to return them to a consumer who is verified on your platform. I NEED my money sooner than 180 days, I am going through financial hardship an I cant afford court. 

I ATTACHED screenshots of our conversations an not once was I asked to provide a tax document to verify the legitimacy of my deposit... I also attached a screenshot of my tax return status off the irs website " wheres my refund '' So whats the excuse now, other than holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: PA

Complaint narrative:
Dear Credit Agency, I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2023-12-06 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-06 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: LEXISNEXIS
State: NY

Complaint narrative:
I am a prey of identity theft. I am writing to appeal that you block the following false information from my credit report. 
I have no knowledge how the theft took place. I also have no awareness of any suspects. 
I did not obtain any money, goods, or services as an outcome of identity theft. 
Please remove the following accounts : XXXX & XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$200.00} XXXX XXXX Date Opened : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX BANK OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$3800.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Trans Union lowered my credit score for by XXXX points for PAYING OFF A CREDIT CARD!

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 2023-12-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company
State: HI

Complaint narrative:
In mid XX/XX/2023 I submitted an initial request to Freedom Mortgage to have my VA home loan assumed by my spouse who is also eligible for a VA home loan. The company did not respond and I called on XX/XX/XXXX at which point I was advised that I had incorrectly filled out the form. The company would not have told me otherwise. 
On XX/XX/XXXX I resubmitted the form and when I called on the XXXX, was told it had been submitted correctly but it was not processed or added to their que until the XXXX of XXXX. After that I called them numerous times to follow up but each time was told that I had to wait. On Wednesday XX/XX/XXXX, I missed a call from the company and immediately called back. But they have a policy, we'll call you, don't call us. I was advised that I was put back on the 'call back ' list but would have to wait. On XX/XX/XXXX I finally received a call from them. They said they would schedule for a loan adviser to call me on XX/XX/XXXX at XXXX so I now waited for this call. To discuss my spouses finances and mine. But of course, XXXX has come and gone and I have not received a phone call from Freedom Mortgage or anyone that works for them. It has been three months and my family can not move forward until this process is complete. I have searched for other way to accomplish our goals and unfortunately we are dependent on Freedom Mortgage to do their job. This company has been unresponsive and unhelpful and in fact harmful to its veteran clientele. I have also called the VA home loan department which reached out to FMC regarding my case but with no results.

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 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
Venmo has frozen my account in XX/XX/2023 ever since they keep me in email loops or just ghost all my requests! I want my money! this is a scam where they keep fooling you around in order not to pay out customer funds!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC
State: OH

Complaint narrative:
This year my home was in foreclosure and I applied for help through Save The Dream here in Ohio. I was approved for the assistance through the state. In XXXX of this year ( XXXX ) the state of Ohio sent the first payment of {$9600.00} to the mortgage company and a week or two later sent in another payment for the actual monthly mortgage. I moved back into the house on XX/XX/XXXX. Later on in XXXX the mortgage company called me and stated that they were short on the monthly payment and were only getting a partial payment, which isn't true. The mortgage company was taking the monthly payment and taking half of it and sending towards " other fees ''. I asked what those other fees were and they said Property Preservation and changing out the locks. I told them the property had not been maintained and that the grass had not been cut at all. there was trash in the driveway and in the yard. I then called Save The Dream here in Ohio and they told me to get a dollar amount from the mortgage company and that they ( Save The Dream ) would send a check for any fees or late charges that were due. I then called Village Capital and Investment LLC, which is the mortgage company and told them to give me a dollar amount that was owed. Now, before I go any further, back in XXXX when the state of Ohio sent the first check of {$9600.00}, Village Capital told me that I was CURRENT, and could move back into the house. Apparently CURRENT means something different to my mortgage company. So once i got the dollar amount from the mortgage company I called Save The Dream back and gave them the dollar amount and I was told by Save The Dream that they would send the check for the remaining balance. Now several months later, in XXXX ( XXXX ) I get another phone call from Village Capital stating that once again they only received a partial monthly payment. The mortgage company stated again that part of my payments were being used towards other fees. I told them that this was a situation that I had already handled several months prior in XXXX. So Village Capital is claiming that {$400.00} and some change is owed towards XXXX and I can't make a XXXX payment until Village Capital send the proper paperwork to Save The Dream Ohio. I reached out to Village Capital through email and told them it was their job to relay this information to Save The Dream. From XXXX till now, XXXX ( XXXX ) Village Capital has not once communicated with Save The Dream Ohio. And the motrgage company is always sure to make sure that they wait long enough to contact me so that there is ALWAYS late charges. I'm waiting on Save The Dream to get the paperwork from Village Capital so that Ohio can pay anything that is still owed from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I took XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, New York to XXXX XXXX, XXXX on XX/XX/2023, and I returned to New York by taking XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. On XX/XX/2023, I went to Bank of America branch located at XXXX XXXX, XXXX XXXX  NY XXXX, and tried to use ATM in the branch but my debit card did work. Therefore, I reached a representative in the branch to inquire about my BOA account. He told me that theres a new BOA debit card, so the old one can no longer be used. At this moment, I felt something wrong because my old BOA debit card did not expire, and I did not receive a new debit card. Then I asked the representative to inquire about my account balance, he told me that I owed {$44.00} something. I told him that I had balance more than {$20000.00} before I went to XXXX, and how come I owed you {$44.00}. 
Therefore, I further reached out to a client manager in the branch in person to check my account details. The client manager, she told me that therere six unusual transactions under my old BOA debit card in total amount of {$18000.00} in XXXX. She also told me that on XX/XX/2023, someone applied for a new BOA debit card to replace my old one at BOA XXXX branch. And therere two transactions under the new debit card in the amount of {$5900.00}. Moreover, she also informed me that my address had been changed to another location. The client manager told me that I will receive updates on my claim, and I may receive my money back on XX/XX/2023. 
On XX/XX/2023, I went to Bank of America branch located at XXXX XXXXXXXX XXXX XXXX, NY XXXX for an update. The client manager told me the claims were not approved and closed, she helped me open the claims again. 

I neither initiated any transactions nor authorized anyone else to access my BOA account during my vacations. 
I also neither applied for a new BOA debit card to replace the old debit card, nor authorized anyone else to do it for me. 

As of XX/XX/2023, I have not yet received any update related to my re-opened claims. 

In addition, I do not understand how a identity theft can transfer all my money in my BOA account and change my address within 2 days with no restriction and any suspection at BOA end. And my first claims related to amounts of {$18000.00} and amounts of {$5900.00} were denied by BOA. I dont understand how BOA internal investigation justified these unauthorized and suspicious acvitivites and denied my claims.

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 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My cleaning lady tried to cash a check I wrote to her at Wells Fargo Bank. The bank claimed that they could not locate the account. The reason was that their automated check reader missed the last digit of the routing number. The check image they sent to her clearly showed the correct routing number at the bottom of the check. This is the 3rd time this has happened in the last 2 years at XXXX XXXX The deposit attempt was made at the branch in XXXX, CA. In all cases they have refused to rectify the issue. no other party receiving my checks has experienced issues with scanning them.

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 2023-12-06 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: CA

Complaint narrative:
About XXXX months ago I wrote an email to experian XXXX telling them to close my account. At that time I had discover card and XXXX XXXX in their system. Today I looked at it and those XXXX accounts were the only ones reporting. I looked at my credit report and saw self reported XXXX bill of {$130.00}. On my credit account even tho I have a credit of {$34.00} I filed a separate complaint about that. This complaint is reporting that EXPERIAN WILL NOT ALLOW ANYONE TO CANCEL THEIR XXXX ACCOUNT ONLINE EVIDENCED BY THE ATTACHED PHOTO. AS YOU CAN SEE THE SUBMIT BUTTON IS GREYED OUT AND INOPERABLE. IT SAYS TO CALL XXXX to cancel. There is a robo voice that will not let you cancel instead it spins you around and around. I have today removed the XXXX XXXX and the XXXX XXXX accounts manually while in their system. 
I am furious they reported wrong information about an account that was not even on my experian boost account to the credit companies!

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 2023-12-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: WA

Complaint narrative:
I was an XXXXXXXX XXXX at XXXX XXXX XXXX in XXXX. I was awarded a Washington XXXX need grant and a XXXX XXXX XXXX. During the last quarter of the semester, I was told by my XXXXt counselor that the math class was not needed to finish my degree. I was dropped from full-time to part-time. This was well into the semester. He withdrew me from the class, and I completed my XXXX XXXX XXXX in XX/XX/XXXX. 
As a result, XXXX XXXX XXXX  wants part of the grants paid back. I set up a payment plan, and have been able to pay {$970.00} at {$50.00} per month. Unfortunately, I lost employment in XXXX, became severely XXXX XXXX XXXX XXXX and had not been able to make the payments. 
On XX/XX/XXXX, I received an email extending a payment plan from XXXX XXXX XXXX  giving me until XXXX to enroll. I sent an email to XXXX XXXX on XX/XX/XXXX, the Account Specialist at XXXX XXXX XXXX XXXXXXXX XXXX requesting to restart the payment plan. I was informed that my account had been sent to the Williams and Fudge collection agency.

I have requested proof of the amount that is owed, which is incorrect. On XX/XX/XXXX I received an email from the collection agency with an incorrect amount being owed. XXXX XXXX XXXX and Williams And Fudge are charging me twice the actual amount of the grant that was awarded in XXXX and refuse to provide proof of how my payments were applied to the debt. XXXX XXXX XXXX sent out a system-wide email stating that an error had occurred, and students were accidentally being charged double what they owed. I never received confirmation that the issue had been corrected, so I'm being required to pay double. 
I want an investigation done on XXXX and Williams And Fudge collection agency for fraud. I do not owe this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit karma has been giving me false information about my credit report leading me to make so devastating financial decisions I applied for a number of different purchases because credit karma misled me into believing I could obtain those purchases

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 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX the XXXX they bank closed my account without notification and kept XXXX they will not return it. XXXX of this money was transferred from my XXXX XXXX XXXX  account to this account, and the rest is personal loans from friends and family for a XXXX XXXX XXXX. I don't owe any money to them yet they closed my account and will not return my money. On XXXX I went to the bank to withdraw money and was told they were unable to give me the money as my account was locked. XXXX I called bank of america customer service they say they are unable to give me money or information because the account is closed. The bank stole my money and I need it back. I have XXXX children to take care of. 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 monetary relief
Consumer complaint received 2023-12-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Never I take the credit cards and I have like XXXX balance for different credit cards.

Company response to consumer: Closed with explanation