vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions.

46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

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 2023-07-14 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: TX

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX XX/XX/XXXX financed through XXXX XXXX. All payments were made on time through the payment portal on XXXX XXXXer instructions from the dealership. 
When attempting to make the payment for XX/XX/XXXX the website for XXXX re-routed me to a website XXXX ; not knowing what this site was, I did not input any information. I began to reach out to the dealership and company to inquire about the website rerouting to find out the following. 
1- The dealership that I purchased the vehicle from was no longer in service and not at the location I purchased from when I attempted to visit the dealership for answers. ( I am unaware as to when the dealership closed. ) 2- I began to call the number and email the website listed on my Credit report for answers ( no other contact information was ever given for XXXX XXXX ), no response has been received. Currently the XXXX XXXX website is not an active website and emails for XXXX XXXX come back as undeliverable. 
I then filed a complaint with the XXXX XXXX XXXX  XX/XX/XXXX and their investigation yielded no response from the financial company XX/XX/XXXX. 
Someone called me on XX/XX/XXXX stating they were a representative of XXXX XXXX and I allowed a one-time payment over the phone, no receipt was ever received. However, I have my bank statement to show the transaction. Then without consent or communication, they processed a payment without authorization on XX/XX/XXXX to my credit card. I attempted to contact the company again, as well as attempted to log into the XXXX account to pay my XX/XX/XXXX bill, but the system does not recognize my information and again I began to reach out to someone at XXXX XXXX for assistance, I have yet to receive a response. I also called the XXXX website provider for assistance, and they have no record of my account or vehicle information in their system to assist with access and payment. 
I was never given any communication about the dealership going out of business or any changes that were being made to the payment system or website as well as instructions for the new platform or reporting structure. I have never received any communication from XXXX XXXX after several attempts. I have never received any communication from the company. I am requesting the company to send all information related to my vehicle lease. As well as instructions on how I am to obtain the title information once payments are completed. 
It has also just come to my attention that the company is now reporting negative late payments in my credit report. XXXX XXXX has not provided any information for customer support. XXXX XXXX has yet to respond to any communication attempts from myself or XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
I received a copy of my credit report from Equifax. The credit report showed credit inquiries that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

I would like for them to remove these inquires listed below from my account : XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 
Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately. 
If you ignored this letter and do not delete the inquiry or do not provide strict proof of authorization I will have no other alternative than to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. Along with a litigation matter in my state court. 
Finally, under Sec. 609 Discloser to consumer ( 15U. S. C 1681g ) ( A ) Information file ; source : report recipients : every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) ( 16811h ), clearly and accurately disclose to the consumer. 
( 1 ) All information in the consumers file at the time of the request except thatA ) If the consumer to whom the file relates request that the first 5 digits of the social security number ( or similar identification ) of the consumer not be included in the discloser and the consumer reporting agency has receive appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such discloser, and ( B ) Nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit score or any risk scores or predictors relating to the consumer. 
( 2 ) The source of the information : except that the source of information acquired solely for use in preparing an investigation consumer report and actually use for no other purpose need not be disclose. Provide, that in the event an action is brought under this title, such shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 

Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: CO

Complaint narrative:
Dear PayPal Support Team, I hope this message finds you well. I am writing to you regarding the recent blockage and limitation imposed on my newly registered PayPal account. I am reaching out to clarify the situation and request your assistance in resolving this matter. 

As a new user on the PayPal platform, I was excited to join and utilize the services provided. However, I was surprised to discover that my account has been blocked and limited, preventing me from fully accessing and utilizing the features and benefits of PayPal. 

I would like to emphasize that, as a newcomer, I have not yet had the opportunity to engage in any transactions or actions that could potentially violate PayPal 's terms and policies. Therefore, I am confident that there has been a misunderstanding or an unintended error in assessing my account 's activities. 

I kindly request a thorough review of my account to identify the specific reasons for the blockage and limitation. Understanding these reasons will enable me to address any concerns or issues promptly and rectify the situation accordingly. 

To facilitate communication and ensure a swift resolution, I would appreciate it if you could provide me with any necessary instructions or steps that I need to take. Additionally, please consider this email XXXX as the primary contact method for any updates or further correspondence related to my account. 

I am more than willing to cooperate and provide any additional information, documentation, or identity verification materials that may be required to confirm my identity and resolve this issue. I highly value PayPal 's commitment to maintaining a secure and trusted platform, and I assure you of my full cooperation. 

Thank you for your attention and understanding in this matter. I genuinely appreciate your prompt assistance in resolving the blockage and limitation on my account. Please feel free to contact me if you require any further details or if there are any additional actions I should undertake. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
This complaint involves Marcus /Goldman Sachs XXXX XXXX XXXX XXXX ) headquartered in NY . I had XXXX investments there. A savings account and a {$200000.00} CD 2 year term. 

On XX/XX/2023 I informed them ( By phone ) I wanted to close the CD and roll that balance into that savings account. I asked the customer representative what the CD early closing penalty was because they did not provide a copy of the CD or any other documentation when I opened it that would have provided that information. I was informed that the early termination penalty was {$1000.00} dollars and I agreed on the transaction. 

In 3 days I check my online account to discover that they penalized me {$1800.00} dollars instead of the {$1000.00} they told me. I called them several times trying to resolve this ( refund the extra XXXX dollars ) .They reviewed the telephone conversation and said " yes she made a mistake '' But refused to fix this saying theres nothing we can do. They refuse to give me access to the recording as well. Three supervisors were contacted and all they did was read me the case notes. I would not have made this transaction if they had provided the right information. I want to get a fair resolution to this as they made the mistake causing me to make this investment with bad information..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report accurate, consistent and up to date please " DELETE '' this item immediately : XXXX XXXXXXXX XXXX XXXX When the requested above deletions are made, please mail me an updated copy of my credit report. This account has been reporting on my credit report in over seven years it should have been dropped off, but still being reported as a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Scammers impersonating police called from XXXX extorting me with threats of arrest for missing jury duty. They had real officer names, locations, details about me and said it would be resolved through bail online payment system. 
They took {$6500.00} ( {$3500.00} through XXXX  XXXX XXXX XXXX ) ( {$1500.00} through XXXX, linked to XXXX  XXXX XXXX ) ( {$1500.00} through Venmo, linked to XXXX  XXXX XXXX, using Venmo ID XXXX  XXXX ) XXXX, XXXX, and Venmo have all been notified and claims filed. 
None are getting my money back presently. 

*Venmo is of particular concern because I successfully froze that {$1500.00} transaction before it went through, but then Venmo fronted the money to the scammers and is now demanding I repay them. 
Any documentation showing this XXXX XXXX is criminal, under investigation, etc would help me resolve this with Venmo. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14 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: NV

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-14 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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: VA

Complaint narrative:
The company originally only allowed payments via mail or bill pay. When I used bill pay, I could not confirm when the payment was received by the bank, and the bank would often claim the payment was received after the due date and charge late fees and report missed payments to the credit reporting bureaus. 

Sometime in the last year, their website allowed " direct pay '' where I could make the payment online using a checking account. I was very relieved to be able to prove when my payment was made. However, I made multiple payments via this method and would find that although it showed online that I made the payment, it would not hit my bank account, and record of the payment would drop off and then again, I would be charged a late fee and have a missed payment reported to the credit bureaus. 

I made multiple phone calls to Customer Service and they told me that direct pay " doesn't always work '' and to go back to using Bill Pay.

Over the last two months - I have used " direct pay '' AND Bill pay and both have failed to be credited to my account in a timely manner, resulting in late fees and reports to the credit bureaus of missed payments. I have documented my attempts to pay my bill on time over the last two months, and that proof is attached.

Additionally, the bank does not provide any confirmation of payment via email, etc, other than what shows online on their website. If I don't take a screenshot, I have no proof that a payment was made.

Attached documentation : 1 ) screenshot of online payment confirmation for payment made in XX/XX/XXXX using " direct pay ''. 
2 ) statement from XXXX showing that the payment was applied, as expected, with no late fee for that month. ( Also note on the statement the 'fees charged for this year ', because of all the payment issues. 
3 ) screenshot of payment made via " direct pay '' on XX/XX/XXXX, before my XX/XX/XXXX due date. 
4 ) XXXX statement, with no payment applied. Late fee was charged. No payment was ever credited, or presented to my bank. I didn't realize until after the late fee, of course. 
5 ) Screenshot of XXXX payment made via bill pay from my bank showing receipt by XX/XX/XXXX. 
6 ) screenshot of First progress account on XX/XX/XXXX. No payment shown, and I will incur a fee today and an additional report to credit bureaus. 


I believe this company is failing to take payments on time with the intention of charging late fees and additional interest. It has cost me hundreds of dollars in fees, interest, and has done significant damage to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: OCEANFIRST FINANCIAL CORP.
State: NJ

Complaint narrative:
I have a commercial account. I had previous overdrafts and corrected everything with the bank. I then told them to eliminate overdraft protections on the account and said, " If I don't have the money in the account, I'd rather just be embarrassed at the checkout. '' I do not remember their response, but had subsequent overdrafts. When I went to square up this 2nd time, I asked why did they pay my debts when I had no money and requested NO-OVERDRAFT protection. Bank personnel told me " I couldn't opt out of overdraft protection on a commercial account. '' They had no explanation for this policy. 

Is that legal? I tell them not to spend money I don't have, but they do and then charge me a fee and ongoing penalties for negative balances. 
Sounds like a form of extortion. 
For all this trouble, I could just open a credit line. I'm sure the interest would be much lower than the fees ( for a service I don't want and didn't request ). 

Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I have no knowledge of this account I am not liable for any debt with Midland credit Management inc collection system I do not have a contract with this company they did not provide me with the original contract as requested they continue to report negative and inaccurate information on my credit report which violates the FCRA

Company response to consumer: Closed with explanation