vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 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: MI

Complaint narrative:
Hello CFPB & Experian & XXXX. 

I did have a XXXX bank account and what happened was is there was multiple fraudulent activities on the bank account, a " Stand by Cash was open '' with the account, I told XXXX I did not open this and they told me well someone had to use your phone number, I even told them on multiple phone calls 1. I replaced my cell phone because I was in a car accident and my phone was done, 2. I went into a XXXX branch and had the bank account put on hold because of all the transactions for example there were multiple instacart orders and shoes sent to Kentucky, I do not live in Kentucky. 

The only reason why XXXX is holding my LIABLE is because of the app it was accessed with my phone number, that's why I told them multiple times i replaced my phone, I PUT A HOLD ON THE ACCOUNT even with a hold on the account transactions were still being made.

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 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: WA

Complaint narrative:
On the XXXX of XX/XX/2023, I received a email from the bank that my pin has been changed. But I didn't initiate this action. And I sent a message to the bank immediately. The next day, I noticed that online automatic payments I had scheduled were being returned for insufficient funds. But l provided for these payments in my account. When I finally got access to my bank app, I noticed XXXX withdrawals totalling {$1500.00} had been made from my checking account. I didn't initiate these withdrawals. The statement showed that this activity was done at XXXX, XXXX XXXX XXXX XXXX. When I contacted the merchant, they identified these charges on their system. But said, my bank atm associated with my checking account at Chime Bank was not the card used in making the transactions. The last XXXX digits of my card which I provided the merchant did not match the card on file used for the purchase. I contacted Chime bank the first few days after noticing these charges. Chime initiated a investigation. But within XXXX hrs, Chime returned with a verdict that no error occurred and as such, I will not get a temporal credit or a full refund of the debited charges. I called Chime again, stating my displeasure with the first complaint. And they reopened the investigation for the second time which is ongoing as at the time of my making this report. Chime failed to secure my funds in its care. The Company through recklessness allowed thieves to gain access to my funds even without using the debit card it had issued me. This was evident after l had called the merchant in XXXX XXXX XXXXXXXX, the location of the theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: Summit A*R, Inc.
State: FL

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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not received any result of the investigation and my complaint was closed. Again these are the account appearing negatively on my report and I demand that you do an investigation and delete these Items from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am inquiring about the settlement claim that I was not included in. I had a savings and checking account with Wells Fargo bank for many years and have not received any compensation for the settlement claim- I tried to contact Wells with no help with this matter. Please help 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 explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: MO

Complaint narrative:
XXXX Refuse to update my Credit file to XXXX XXXX on my accounts and also refuse to update my acct violates my right i provided info on my XXXX XXXX they stated we receive but will not update also World Finance will not update my file also to XXXX XXXX i also reached out to them i am Discharged and they will not update my acct that i included in bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Hello I have multiple reports on my credit that were not verified or not mine. I have disputed it with all three credit bureaus and they removed it from some beuras but not all there is a collection account for collection services that was not me for {$190.00}. Also there is a credit card that was opened while I was in Virginia and was not me with XXXX  XXXX. These need removed. I disputed them and then XXXX and XXXX said it was verified correctly but when I asked for verification method and sent to me that I have a right too by federal law in 30 days they sent nothing. They were not me and they wont remove it if this doesnt work I will be sueing them. And no I do not need you to mark fraud I will freeze my credit myself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
XXXX I deposited a {$4900.00} check at my bank. The teller tells me the check will be on hold a few days and I could not withdraw from it till it cleared. XXXX Monday XXXX I go online and see the check has cleared. Later that day, I make a payment of {$4300.00}. Tuesday morning XXXX, I go to my account to pay a bill and see I am overdrawn more than XXXX bucks. I take {$3000.00} out of my business and make a deposit to cover the overdraft and pay a bill until I can find out what happened. Next day I called the bank and they told me the check was no good. How could that be I ask because it showed in the plus column. Their answer was, the teller who took the check never put it on hold. XXXX prevention calls to question the check. I tell them the same people had written a check to me XXXX weeks prior and there were no issues with it. As a result of that, they have put my account on hold waiting to see if there is going to be a problem with a check that has cleared. I can't pay bills, buy food nor gas and I'm out {$4300.00} of my hard earned funds because of their mistake.

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 2023-05-10 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: DISCOVER BANK
State: MI

Complaint narrative:
Ive talked to your billing department and they can not help me process the remittance coupons that were sent to me by your company. I have sent in the remittance coupons according to the bills of exchange act and usc and ucc laws. They are not giving remedy and are trying to force me to double pay them. They have reported incorrect information regarding all of this and have damaged my ability to use my credit to support my family. They have defrauded me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Collection account was added to 3 reporting agencies on my credit report by LVNV FUNDING LLC. I sent two [ 2 ] debt validation letters on XX/XX/2023 and on XX/XX/2023 to LVNV Funding LLC. / XXXX XXXX XXXX. The company failed to validate the debt and instead sent me a drafted statement claiming I owe in the amount of {$1800.00}. LVNV Funding LLC. is still being reported on the 3 credit reporting agencies ( XXXX, XXXX, and XXXX ) after two debt validation letters were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: OR

Complaint narrative:
Dear PayPal Customer Service Team, I am writing to submit a formal complaint regarding the permanent limitation placed on my PayPal account. I believe this limitation was placed by mistake, and I would like to appeal this decision. 

Firstly, I would like to stress that I have not violated any PayPal policies or terms of service. Therefore, I find it unfair that my account has been permanently limited without any justification or explanation. 

I understand that PayPal 's policies are in place to ensure the safety and security of its users, but I am confident that I have not engaged in any behavior that would warrant such a drastic action. I have always followed PayPal 's policies and have conducted all transactions in a transparent and honest manner. 

I am requesting that PayPal re-investigate my case and review my account 's activity once again. I hope that this will lead to a reversal of the decision and the restoration of my account. I would also appreciate it if you could provide me with more details about why my account was limited and what specific policies I have violated, if any. 

Lastly, I would like to confirm that the email address associated with my PayPal account is XXXX. I kindly ask that you contact me using this email address for any further communication. 

Thank you for your time and consideration. I look forward to hearing back from you soon. 

Sincerely, [ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: OR

Complaint narrative:
Dear PayPal Customer Service, I am writing to submit a complaint regarding the permanent limitation placed on my PayPal account. I believe that this limitation was placed in error, and I respectfully request that you re-investigate my case and restore my account, if possible. 

Firstly, I would like to emphasize that I have not violated any PayPal policies, nor have I engaged in any activity that would warrant such a severe consequence. I have always used my PayPal account in good faith and in accordance with your terms of service. Therefore, I am confident that this limitation was a mistake. 

Secondly, I am aware that PayPal has strict policies and procedures in place to ensure the safety and security of its customers. However, I strongly believe that my account has been unfairly targeted, and I would appreciate a thorough investigation of my case. I am willing to cooperate fully and provide any necessary information to resolve this issue. 

Lastly, I would like to request that you restore my account to its previous status as soon as possible. As a longtime PayPal user, this has caused significant inconvenience and has impacted my ability to conduct online transactions. Additionally, the email address associated with my PayPal account is XXXX, which I hope will assist in locating my account. 

In conclusion, I respectfully request that PayPal reviews my case and considers reinstating my account. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, [ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The agency has been pursuing an alleged debt from 2007 that I disputed and despite my requests for validation, they have failed to provide proper documentation. 

I have previously requested that the debt collection agency provide me with written proof of the validity of the debt, including documentation that shows the original creditor, the amount of the debt, and any interest or fees that have been added. To date, they have not provided me with this documentation, and I am concerned that they are continuing to pursue collection activities without proper validation. 

I believe that this behavior is in violation of my rights under the FCRA and other applicable laws. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the debt collection agency complies with all applicable laws and regulations. 

Specifically, I am requesting that the agency cease all collection activities related to this debt until they can provide proper validation. I am also requesting that any negative reporting related to this debt be removed from my credit report until the debt can be properly validated. 

I appreciate your attention to this matter and look forward to your response. 

Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2023 To Fifth-Third Representative, XXXX XXXX , This is a response to a letter I received on XX/XX/2023, notifying me that my mortgage loan was to be paid in full. This letter is in direct conflict to the previous agreement crafted by XXXX XXXX XXXX representative and 5/3 representative XXXX. In that agreement, I was to pay around {$2300.00} by XX/XX/2023, at which time my mortgage would be reinstated at its original monthly payment. 
I am prepared to make the payment as agreed upon my XXXX XXXX XXXX and 5/3. I am open to speak with anyone to resolve this issue immediately. You may email me at XXXX or call at XXXX. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
After doing a deep dive into my credit report I noticed a significant amount of inaccurate information. There were multiple accounts that reported with different dates and amounts. I even noticed some accounts I didnt recognize. I tried disputing these negative items with all three credits bureaus directly, but Ive yet to get any progress toward getting these items removed from my credit report. According to the 15 U.S.C 1581 Law there should not be any negative damages to my credit report, this is setting me back time to start my business. Back in XXXX of XXXX I noticed some of these items were on my XXXX XXXX and XXXX accounts so I disputed them online, if given the option to. However, every item was said to be verified by each company, some of which were collectors at that point. So I asked for the information used in the investigation to come that conclusion, in which that was never provided. On XX/XX/XXXX I contacted Equifax, XXXX and XXXX by phone to update my information on file and I provided them with my most up to date address and phone number. After this I pulled my full credit report and asked each bureau to deleted each negative item still reporting on my credit report, in which they still have not done so or provided information used to determine their decision. Ive prepared a letter of each item, the date and reason it needs to be removed. Ive also attached screenshots of my credit report where the information is inaccurate. I hope this information is helpful to you in the process of helping me getting these items removed. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 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: MI

Complaint narrative:
After doing a deep dive into my credit report I noticed a significant amount of inaccurate information. There were multiple accounts that reported with different dates and amounts. I even noticed some accounts I didnt recognize. I tried disputing these negative items with all three credits bureaus directly, but Ive yet to get any progress toward getting these items removed from my credit report. According to the 15 U.S.C 1581 Law there should not be any negative damages to my credit report, this is setting me back time to start my business. Back in XXXX of XXXX I noticed some of these items were on my XXXX XXXX and Experian accounts so I disputed them online, if given the option to. However, every item was said to be verified by each company, some of which were collectors at that point. So I asked for the information used in the investigation to come that conclusion, in which that was never provided. On XX/XX/XXXX I contacted XXXX, Experian and XXXX by phone to update my information on file and I provided them with my most up to date address and phone number. After this I pulled my full credit report and asked each bureau to deleted each negative item still reporting on my credit report, in which they still have not done so or provided information used to determine their decision. Ive prepared a letter of each item, the date and reason it needs to be removed. Ive also attached screenshots of my credit report where the information is inaccurate. I hope this information is helpful to you in the process of helping me getting these items removed. 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 explanation
Consumer complaint received 2023-05-10 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: BEACON FINANCIAL CORPORATION
State: NY

Complaint narrative:
Back when XXXX first hit in 2020 I had missed a payment of {$350.00} in XXXX. The company I worked for had cut everyones hours in half and I struggled to pay my bills on time. I have since payed off entire loan and otherwise have great payment history. I reached out to BERKSHIRE Bank to request missed payment forgiveness and even provided proof of my hours being cut. They said they do not have to forgive missed payment. Now its a few years later but its still on my credit and I have learned they the federal government had left it up to lenders to do the right thing. Unfortunately birkshire bank did not.

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 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
I have been called at least once a day from different phone numbers ( all from different area codes ) all tracing back to mercantile adjustment bureau. They never respond and always hang up XXXX seconds after I answer. I told the original caller that the information was incorrect and that it was in dispute, however they still call repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Greeting Team, LLC DBA Customer Care Global
State: MI

Complaint narrative:
On XX/XX/XXXX I received a call from customer care global a debt collection agency. They told me I took out a look in XX/XX/XXXX through withuloans for {$1200.00} and now have a balance of {$2200.00}. The representative had my dad 's email address on file, his mailing address, but my social security number and my phone number. The loan was deposited to truist bank with an account number ending in XXXX. I called truist bank to confirm i didn't have an account under my name which i didn't, also my Father also does not have an account through them and did not take out this loan.

Company response to consumer: Closed with explanation