vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I received a money payment deposit through my Venmo account for a pending purchase from a woman, who I later found out was the mother of a minor male customer who attempted to make a purchase with me. I do not sell to minors and was unable to reject the funds or return the funds once received from Venmo back to the customer through venmo. After serveral attempts to contact Venmo to get help, I transferred the money to my bank and after 2 days funds were available for me to withdraw, which I did in the form of a cashier 's check made out to the woman who sent the payment. After conversing with the minor customer and finally the mother who sent me the funds, I notified them the funds were being returned as promised directly into the bank account they provided me, an outside institution. On the same day that the deposit was made and the funds were available in the customers account, the woman who send me the deposit funds made a complaint to Venmo for refund through Venmo. Venmo sent me a notification that the transfer was in dispute at which time I immediately submitted a copy of the deposit receipt and the front side of the cashier 's check showing the refund was already sent and complete to the customers mother. Venmo the next day declined my evidence and refunded the customer and debited my account a negative balance for the same. Over the next XXXX weeks I made numerous chats with their company reps, requested appeal of the return as they directed me to and submitted the same proof documents via email to their payment support team. After a month the issue has not resolved and Venmo has not responded to my numerous requests for update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: CA

Complaint narrative:
I have a I have had a PayPal prepaid XXXX for approximately the past 3 years. 
I recently got a new phone # and was unable to change it without help and can not sign in to my prepaid XXXX through my Paypal account ; therefore, I can not view my balance, debits, or credits. Basically, I am locked out of PayPal prepaid XXXX. I called prepaid, the agent also was unable to change it. He decided that I should delete my Paypal account and register a new one ; everything the same except the phone number. I did so despite my misgivings. I linked my prepaid XXXX. So far so good. From then on, even though I have transferred funds and paid a bill from prepaid to paypal, I CAN NOT LOG INTO PREPAID AT. ALL. Although it says they are linked it is not. I can sign into PayPal and transfer funds to my XXXX and pay bills from XXXX through PayPal, but I HAVE TO PAY FOR TRANSACTIONS FROM PAYPAL, and do not pay for them when using my prepaid card, AND I. CAN NOT. HAVE. ACCESS. TO. MY. BANK. STATEMENT. I have contacted PayPal prepaid XXXX, they send me over to Paypal.And vice versa. I have enclosed a screenshot of XXXX of many emails from both the companies and a screenshot of error message when trying to log into XXXX account. 
**IMPORTANT** PayPal prepaid has the option to log into the prepaid account ; however, I was never given the option to set up a user name with a password, so essentially I am denied access to my bank statement including balance, debits and credits

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 2022-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: TN

Complaint narrative:
This is not my debt. I have no knowledge of it. It says its a medical bill. I have no contract with this company and medical information is a clear violation of HIPPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hard inquiries and debts tied to a address is never lived at and when I reach out to trans union XXXX and Especially XXXX about the issue they say the debt or inquiries is valid yet the personal info such as social Security number and name and address is incorrect and it's like they don't care to clear it up hard Inquiries on accounts I already have so why would I apply for them again but they don't seem to see the issue it feels like a scam honestly

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 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hard inquiries and debts tied to a address is never lived at and when I reach out to XXXX XXXX Equifax and Especially XXXX about the issue they say the debt or inquiries is valid yet the personal info such as social Security number and name and address is incorrect and it's like they don't care to clear it up hard Inquiries on accounts I already have so why would I apply for them again but they don't seem to see the issue it feels like a scam honestly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received multiple emails from Bank of America yesterday, XX/XX/2022, around XXXX XXXX  EST stating my an account was created in my name. I didnt apply for an account there. I tried calling Bank of America to resolve this and have been on hold for 45 minutes without getting through to anyone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
FIRST ISSUE W/AMEX. Complaint is against AMEX. I am having XXXX possibly related problems w/this company. This is the first. About XXXX or XXXX years ago, I cancelled all my AMEX cards. I think I had XXXX, but I know I had at least XXXX. XXXX I never used. Immediately prior to trying to cancel XXXX of the cards, I had received a bill from AMEX for {$95.00}, which was described as the annual fee. At that time, I called them, informing them I wanted to cancel the card and asked to have the {$95.00} fee waived. I also told them the fee was the reason I was cancelling. They refused to cancel the card until I paid the {$95.00}, claiming it had already been billed, which is true, but this was the first billing for the fee, and I no longer wanted to pay the fee or use the card. I called several times with the same result and eventually gave up. I did not pay the {$95.00} either. What I did do was cut up and throw away that card and my other AMEX cards, vowing to never deal w/the company again. There was no balance other than the {$95.00} fee owed, and all balances on all cards were current and fully paid ( and always were ). I have used NONE of the AMEX cards I had since then b/c A ) I was so annoyed w/the company, and B ) I destroyed my cards ( I can't even tell you the account numbers anymore ). As recently as XXXX XXXX, they apparently billed me for this {$95.00}. I assume they still are, but since I'm in the process of moving, I haven't received a more recent bill. Obviously, I don't want someone else in the future getting my account number on this card which AMEX refuses to close because I refuse to pay their revolving annual fee for a card I tried to cancel and have not used in that time. My SECOND problem w/AMEX may or may not be related. I will submit it as a separate issue as it is a bit strange.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On Friday, XX/XX/2022 I opened a checking and a money market account with Huntington Bank and deposited {$1100.00}. The accounts were successfully opened. Then, today, XX/XX/2022 my accounts were closed without any notification and my {$1100.00} which I need immediate access to are missing. This is very scary for a bank to successfully open accounts and people deposit their hard earned money then for the account to be closed just days letter. This could cause financial ruins in low income households with money being missing. This bank should be investigated by the FTC!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-11-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency makes any consumer report containing any of the following items of information or any other adverse item 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 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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 U.S.C 1681 XXXXXX/XX/202 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency makes any consumer report containing any of the following items of information any other adverse item 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 explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Mortgage company : Mr Cooper My home was a total loss in the XXXX XXXX XX/XX/XXXX. My insurance company submits my claim payments to Mr Cooper, who should be reimbursing me. 

My builder bills monthly. Mr Cooper asks that I submit a letter to them every month asking for an exemption to their policy of only paying out quarterly ( which I did, XX/XX/XXXX ). As of XX/XX/XXXX, they are just submitting this to their 'corporate ' to request the exception. 

I do not have funds to pay my builder. There will likely be late fees. This is unfair practice- to have a payout structure that has nothing to do with the actual business of re-building a home. 

I am requesting that Mr Cooper release payments to me in a timely fashion, so that I can pay my builder every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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 explanation
Consumer complaint received 2022-11-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have # 3 XXXX Accounts that have been active since XX/XX/XXXX. All # 3 posted to my Experian as New Account on XX/XX/XXXX. This has caused a decrease of 70 points. 

Due to XXXX XXXX, we are still experiencing hardship. Payments have always been made on time. 

Just last month I received my first 30 day late report that was added to all # 3 accounts, that then was posted to my account on XX/XX/XXXX showing NO payment history for any of the # 3 accounts. 

Shows # 3 New Accounts with a 30 day late payment. I called asking for a resolution to these accounts and why did they report to my Experian almost a year later with no payment history listed. No response

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 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
I've reached out to these companies letting them know this is a violation of FCRA which ensures the accuracy and fairness and privacy of the information in consumer credit bureau files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NC

Complaint narrative:
I've reached out to these companies letting them know this is a violation of FCRA which ensures the accuracy and fairness and privacy of the information in consumer credit bureau files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Phone # ( XXXX ) XXXX XXXX, TX XXXX XXXX # Synchrony Bank ( PayPal Credit # XXXX ). 
In regards. Case No. XXXX for {$1500.00}. I purchased an item that turned out to be a forgery. I used the card issued by Synchrony Bank ( PayPal Credit # XXXX ). I asked PayPal to assist me in returning it to get my money back as per their money-back guarantee policy because I couldn't contact the seller and he no longer has a shop. PayPal refused to send me a printable shipping label so that I could print it and return the item. However, they sent me the seller 's address in XXXX and asked me to return the shipment to him with my own money, which I did, and after a month, the shipment was returned to me because the address they gave me was incorrect and they refused to compensate me. I called customer service seven times, and the hold times were unreasonably long and inexcusable for more than XXXX hour and XXXX minutes at a time, repeatedly transferring my call. There are numerous reasons for my dissatisfaction with unprofessional customer service that provides no solutions but insists on keeping my money.

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 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: MA

Complaint narrative:
I filed a complaint with Credit Karma on XX/XX/XXXX about numerous transactions that were done using my debit card. I had been admitted to XXXX XXXX earlier in XXXX  and was still an XXXX  there until XX/XX/XXXX. The person who took my card made many transaction. Credit Karma approved the smallest claims however when it came to these transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They refused to refund my money even though it was physically impossible for me to make these transactions while I was laying in a XXXX XXXX I have emailed and called Credit Karma numerous times and they will not get respond to me. The refuse to give me my money back even though I have even sent them supporting documentation that I was XXXX XXXX XXXX XXXX during the times of these transactions. I just want my money back and at this point money for stress and damages due to the fact that I collect XXXX and this is the only money I get a month.

Company response to consumer: Closed with explanation