vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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 2024-02-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: WV

Complaint narrative:
Hello, I contacted direct express back in XXXXXXXX XXXX XXXX  about a purchase on my account thats wasnt me nor authorized by me. They gave me a temporary credit until they went into my account and took the money back out my account and was told that the company has time to send in any evidence or facts of it being my purchase. I was given a date that I would receive my funds back to my card which was suppose to been XX/XX/XXXX but instead I was told that my information came back from the merchant, I requested those documents by emails which took direct express 3 weeks to send after requesting the documents twice. Once I seen the documents it had none of my information for purchase just my address. I also contacted the merchant that charged my account and was took that none of my information is in their system and that my card is not on their file but I was charged from that company. Direct express has poorly investigated the fraud on the investigation made his own discretion to not reverse my fund back into my account because of what he personally feels not because the company gave them actual facts of my making the purchase. I already have a police repost for identity fraud on a person I believe maybe took funds for my account. They refuse to return my money without a good explanation. Next step lawsuit with all my evidence that I have to clear my name but I will like to resolve this matter without the extra leg work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
Called Experian XX/XX/2024 requested they send me information as it to who verified the accuracy of the bankruptcies on my credit report and they hung up on me called back the other agent said XXXX however there is no public record of a bankruptcy na me submitting the information from XXXX XXXX  is not enough to remove it. Refuse to provide information.

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 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Hello, my Name is XXXX XXXX. I bank with Wells Fargo on the XXXX of XXXX someone stolen my debit card & stolen {$1100.00}. From my bank account. I reported to my bank on the XXXX due to pending transactions & the weekend that department is not open. So I called Monday. Thursday come the outcome is no error. I dont know how its no error when the name & addresses dont match mines. Doesnt make sense. One of the transactions is a part for a car? I dont even have a car. So thats how I know this investigation is a lie & they really didnt do their job.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are XXXX Loans on my report that are not 100 % accurate. These are continuing to report on my credit report in violation of the FCRA. I am being ignore as a consumer and now my report keeps showing this false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-02-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
This is the second request for the account to be closed as first requested at this site in 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This complaint is against Paypal and Paypal Credit ( operated by Synchrony Bank ). 

Paypal Credit is charging me a {$30.00} penalty fee since I could not pay the minimum amount due on the due date.

Paypal had all the banking information, and because of an online issue, my bank account details were lost by Paypal. I have tried to call Paypal several times since XX/XX/2023 and tried to resolve the linked bank account issue. The Paypal Credit is only accessible from the Paypal App / Website, and Paypal Credit ( synchrony Bank ) does not have a separate screen where we can add our bank account details. 

Paypal Credit inherits the bank details from PayPal and has the same branding as the two websites. I have tried to talk to Paypal and Paypal Credit at length to resolve the issue, but Paypal Credit says it is a PayPal problem and vice versa.

This increases my burden on payment processing and dispute resolution as I have to contact two companies to resolve the same issue. It also feels like a very deceptive business practice as PayPal owns my transaction relationship, not PayPal credit.

I want PayPal and Paypal Credit to reverse the transaction and credit the inquiries they have made. I also want a written letter from Paypal and Paypal Credit that this issue has been resolved and that they are implementing harmonized business practices that do not harm hapless customers moving from one call center to another.

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 2024-02-01 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: VW Credit
State: CA

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 also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have 2 issues I have reported to sezzle that this account doesnt belong to me and that it was fraudulently opened. But they only closed the account at first. Then it was removed off of all 3 credit reports and few days later they wanted to report again a closed account that doesnt even belong to me. SO AGAIN ACCORDING TO THE FCRA I DID NOT GIVE PERMISSION FOR MY INFORMATION TO BE USED TO OPEN THIS ACCOUNT LET ALONE GIVE WRITTEN CONSENT FOR THIS ACCOUNT TO BE REPORTED ON MY CREDIT REPORTS!!! IT NEEDS TO REMOVED AT ONCE OR ILL WILL BE SUEING BOTH THE CREDIT BUREAUS AS WELL AS SEZZLE. THIS IS CRAZY AND RIDICULOUS I LET YOU KNOW THE LAW YOU ARE VIOLATING AND YET THEY REFUSE TO DO THEIR JOB

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 2024-02-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have 2 issues I have reported to sezzle that this account doesnt belong to me and that it was fraudulently opened. But they only closed the account at first. Then it was removed off of all 3 credit reports and few days later they wanted to report again a closed account that doesnt even belong to me. SO AGAIN ACCORDING TO THE FCRA I DID NOT GIVE PERMISSION FOR MY INFORMATION TO BE USED TO OPEN THIS ACCOUNT LET ALONE GIVE WRITTEN CONSENT FOR THIS ACCOUNT TO BE REPORTED ON MY CREDIT REPORTS!!! IT NEEDS TO REMOVED AT ONCE OR ILL WILL BE SUEING BOTH THE CREDIT BUREAUS AS WELL AS SEZZLE. THIS IS CRAZY AND RIDICULOUS I LET YOU KNOW THE LAW YOU ARE VIOLATING AND YET THEY REFUSE TO DO THEIR JOB

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: CO

Complaint narrative:
I received a notification from the 3 credit reporting agencies of a collection on my credit report. However, the collector has never reached out to me or made contact of any kind. Isn't this against the law? My credit is very important to my job and now I will have job issues because of this. I have perfect credit. Never missed a payment in my life. How can they just put something on my credit report without making any attempt to collect the dept? 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: IL

Complaint narrative:
I recieved a notification from XXXX about a change to my credit score. WhenI checked i noticed a collections for a company or loan i have no knowledge of. I disputed the entry with XXXX. they are upholding the entry on my creidt file with the folling statement MRS BPO LLC Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I dont know who this company is or what the debt is for

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 2024-02-01 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: FL

Complaint narrative:
Fraudulent inquires below XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX Important dates Inquiry date XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Thursday, XX/XX/XXXX, I made a digit error and charged {$47000.00} instead of {$470.00}. I have XXXX, and although these occurrences are becoming rarer, they can still happen to me. I promptly contacted Bank of America Merchant Services to rectify the error, and they instructed me to process a refund. Despite complying, I was still charged {$1600.00}. During my numerous attempts to resolve this, well over ten calls were made to their customer service. Despite confirming the refund 's effectiveness and no corresponding deposit into my account, they adamantly refused to provide any written notice regarding this issue. 

Subsequently, on XX/XX/XXXX, I received a call stating that " their colleagues '' at Bank of America had decided to refund us {$420.00} as if it were a favor. This amount greatly differs from the {$1600.00} charged earlier, leaving us perplexed. I emphasized my confusion over being charged a fee for money I never received and requested a written notification via email, to which they claimed inability to provide. 

As a nonprofit, this financial discrepancy significantly impacts our operations. While acknowledging my initial mistake, I promptly contacted Bank of America Merchant Services within a short time frame ( less than 15 minutes ), followed their instructions, yet was still charged erroneously. Therefore, our organization is earnestly requesting a detailed written explanation or a complete refund to rectify this situation promptly.

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 2024-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
An account that is not my personal account was placed on my credit report in XX/XX/23. I disputed said account with XXXX and was notified a week later stating that the account was verified. The FCRA states that they have to provide a signed original consumer contract t show proof of this account being personally mine. That was never provided to me. This is a 3rd party collection agency that claims to have both this account from another 3rd party collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
On XXXX/24 I called Cash 1 to speak about my account that is very past due. I spoke to a rep and she was really helpful and stated she would be able to modify my account and drop my payments down as well as credited my account from fees etc. On XXXX/24, I agreed on a recorded line with the agent to a post dated payment of {$28.00} on XXXX/24 via a new debit card. On XXXX/24 I accessed my bank account and found a charge of {$57.00} from Cash 1. I called Cash 1 on XXXX/XXXX/24 and asked what happened since I have the copy of the agreement via email and never authorized the {$57.00} on my new card. I spoke with an agent and she stated that she saw the notes and can see the modification however for whatever reason the person whom submitted the modification never put my account into a protective status, and so they just took the amount that was agreed upon originally since they now had new banking information. She then spoke with her supervisor and the options were : 1. Leave the payment as it is, and they could move the funds to my next payment and not be due until the next month. 2. They could refund me the {$57.00} that would take up to 7 business days and they are not able to refund only a half amount they can do it all or nothing, with the exception that I would still need to pay the {$28.00} by XXXXXXXXXXXX/24 in order to keep the modification, despite it being their error by not protecting the account properly and thus making my bank account go into a negative amount, making it impossible to make the payment of {$28.00} by XXXX/24. I asked to speak to the supervisor and despite her being able to reply and speak to her rep, she stated that she was going into a meeting and would call me back this afternoon. Its currently XXXX and I have not received any calls in regards to my account. She specifically asked the rep is she refunding or waiting? Before stating whether or not she would take my call. When I stated that I would be refunding, she then said she was too busy to speak to me and would call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, TX XXXX Wrong address

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp.
State: NJ

Complaint narrative:
We sent XXXX + XXXX ( transaction fee ) on XX/XX/XXXX at XXXX XXXX  and since we sent this transaction ; the company has not responded to our inquiry, customer service representatives place us on a very 45 minute hold and disconnect our calls. 

The agent where we sent the funds from has been very helpful and has called several times to get updates and refund details. We were told that the transaction was cancelled the next day by the payer in XXXX and since we processed this transaction on XX/XX/XXXX ; we have been unsuccessful in reaching an English speaking representative or getting our money back. 

We don't know who else to turn to as the agent can't return the money as Sigue 's online money transfer system has been offline since XX/XX/XXXX. We need your help and oversight to get our funds back from sigue for a problem they created and refused to help us. 

money was not available when promised transaction was mishandled customer service doesn't help to direct this complaint and refund We need our full payment with our fee provided along with any other remedial action deemed as appropriate as we sent the funds on XX/XX/XXXX and its been 15+ days and counting and status is the same Payment should be sent overnight in the form of a certified check, ( 3 ) they should be fined for refusing assistance ( 4 ) they should be fined to failing to communicate cancellation and lastly, fined for not giving our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted opening an account with Marcus By Goldman Sachs, I was made aware that my application was declined because my Social Security Number ( SSN ) matches with one of their customers and as a result I'm UNABLE to open an account with the bank. The same suspect who used my SSN at other financial institutions I reported in XXXX, is still using my SSN at Marcus By Goldman Sachs. I've called and spoken with multiple staff at Marcus By Goldman Sachs including XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX left a voicemail, attempted calling back and spoke with XXXX who advised me to reapply, and I did reapply. On XX/XX/XXXX, I called again and spoke with XXXX, spoke with XXXX on XX/XX/XXXX, spoke with XXXX ( Supervisor ) at Marcus By Goldman Sachs, including XXXX from their fraud unit informing them that the SSN belongs to me and provided all information needed for verification purposes. I also requested for them to do due diligence in investigating and that I was ready to provide any form of documentation to help with investigation. They promised to create a ticket to investigate and give me a call with any updates. Up until today XX/XX/XXXX, I've not received any feedback from Marcus by Goldman Sachs. In addition, I created a Federal Trade Commission Identity Theft report, and sent my FTC statement ( attached ), FTC drafted letter ( attached ) dated XX/XX/XXXX with copies of my SOCIAL SECURITY CARD AND MY DRIVER 'S LICENSE on XX/XX/XXXX to Marcus By Goldman Sachs DISPUTING THE FRAUDULENT ACCOUNT and requesting that ALL ACCOUNTS opened using my SSN be CLOSED. It's been 20 days and yet no response from Marcus By Goldman Sachs. I've requested a CONSUMER DISCLOSURE REPORT from XXXX stating I'm a victim of identity theft, results came in that my SSN was matched with someone else and an investigation was set up. In the next 3 days, I received the result of the completed investigation, confirming that the SSN in question belongs to me and my file with XXXX has been cleared of the other individual 's information. Furthermore, I've placed a freeze and a security alert on my file at XXXX. This is in addition to the freeze and fraud alert I've placed on all my files with the 3 credit bureaus- XXXX XXXX XXXX XXXX AND XXXX XXXX

Company response to consumer: Closed with explanation