vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
I received an email on my computer, saying I needed to check or acknowledge something. When I clicked on the email, it was for approval of a charge for a XXXX XXXX called XXXX XXXX. The bill was for {$450.00} for this XXXX XXXX service. I didn't request this product and was not intending to buy it. The receipt had a number to call, so I called the phone number, and a person answered from Paypal. They claimed this product was purchased through my Paypal account. I ask them how that can be because I told them that I didn't have a Paypal account. I had not had a Paypal account for at least 5 years, which I dropped for fraudulent charges in my name. The person on the phone then told me about several other charges on this account in various places. He even had my social security number, which I don't give out. He said, that there were several in amounts of {$6000.00} dollars and other such large amounts. He then ask me to go to a gas station in XXXX XXXX to get some sort of card that I could make charges on to verify I didn't make those purchases. I thought this was strange so I hung up and called my bank to block charges on my band debit card. I worry about this because I am on retirement and can't afford a lot of legal expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is being sent today in order to formally contest some errors found on the credit report. Some discrepancies were discovered during a recent review of the credit report, which has caused my credit score to suffer. 

A prompt response to look into these inconsistencies and make the necessary corrections is expected given how serious this problem is. The credit system is made to accurately reflect consumers ' financial circumstances. However, the appearance of these errors raises concerns about the efficiency of that system. 

Dealing with these errors is difficult despite efforts to keep finances in order. It is doubtful whether this important financial document is accurate, which could have an impact on future financial decisions and the credit score. The potential effects of a system-generated report on one 's financial situation demand serious consideration. 

The seriousness of the situation is highlighted in light of the current circumstances, and an immediate conclusion to this dispute is urged. We need your help to solve this problem and deliver a credit report that accurately reflects fiscal responsibility. 

A timely response to this important matter is desired. A correct credit report can be obtained with your help.

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 2023-09-27 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:
This letter is being sent today in order to formally contest some errors found on the credit report. Some discrepancies were discovered during a recent review of the credit report, which has caused my credit score to suffer. 

A prompt response to look into these inconsistencies and make the necessary corrections is expected given how serious this problem is. The credit system is made to accurately reflect consumers ' financial circumstances. However, the appearance of these errors raises concerns about the efficiency of that system. 

Dealing with these errors is difficult despite efforts to keep finances in order. It is doubtful whether this important financial document is accurate, which could have an impact on future financial decisions and the credit score. The potential effects of a system-generated report on one 's financial situation demand serious consideration. 

The seriousness of the situation is highlighted in light of the current circumstances, and an immediate conclusion to this dispute is urged. We need your help to solve this problem and deliver a credit report that accurately reflects fiscal responsibility. 

A timely response to this important matter is desired. A correct credit report can be obtained with your help.

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 2023-09-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I notices in XX/XX/XXXX of XXXX, a two transactions in one of my accounts of Bank of America, one for the amount of {$850.00} and the other one for the amount of {$350.00}, immediately I proceeded to call them and the customer service representative help me to discover that they are been taking little amounts of money since XX/XX/XXXX through XXXX merchant from IL, NY, CA. We proceeded to cancel that debit card and sent me a new one and The bank opened a claim a return the amount in my account until they concluded the investigation. Last week XX/XX/XXXX they took all the money bank and they statement is that according to the merchant they probed with a email that doesnt belong to me and an old address that they transactions belong to us. That email never belong to my husband or my person, and I dont leave in that address more than 3 years ago of course they stole personal information and identity. My account is not been related to XXXX since XXXX of XXXX. I have many business and personal accounts with this bank and this personal account wasnt checked by us daily but I noticed it when I saw my balance reduced one day for more than {$1000.00} dollars in one day. I can provide you with anything you need to probe that this is a fraud against us through identity theft and debit are fraud for more than {$2800.00} dollars since XX/XX/XXXX. to XX/XX/XXXX, I really need the bank to solve this matter to a loyal customer instead a company that provide false 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 monetary relief
Consumer complaint received 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
For months now Ive been trying to get information and asked them to investigate this collection ( ( XXXX credit Bureau ) ) on all XXXX credit bureaus. 

The credit Bureaus told me that all the information was verified but with trans union dates were wrong from the beginning and also much different with different addresses. Also the last date updated on all XXXX bureaus are inaccurate, last date accurate not reported.

They also violate my rights under 15 U.S.C 1681 section 604 A The law is stated that a consumer reporting agency cant be furnish a account without my written instructions I havent given those accounts written permission to furnish that account on my credit report as well I started this with CFPB for investigation on XX/XX/2023. 
It hasnt been updated since 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 2023-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: IA

Complaint narrative:
I called Edfinancial to exit an income driver repayment plan that the auto enrolled me in. I only filled out an application and it was not completed and then did not give me the option to opt out. Now my payment amount is almost {$500.00}. I asked them to remove me from the plan and they we unable to do so. They said it would take 30 days and a different department has to do that. I asked to speak with someone from that department and they said I could not. I did not want to be in the income driven plan. Now I am being forced to pay a ridiculous amount or I become delinquent. The wait time to talk to anyone is over 11 hours and who I talked to did not seem to understand the situation nor know what to do to fix it. I am not able to pay this amount but I have no choice. They are not willing to help make the situation right when they enrolled me in a program incorrectly and without me wanting to be in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: TX

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 USC 1681. 

Account Name : 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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than 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 2023-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
XX/XX/23 4 phone calls and they would only say this was for XXXX XXXX XXXX and no other info. It was for a location in Colorado and we are in Arizona

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 2023-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
THIS COMPANY HARASSED ME. IVE ASKED THEM MULTIPLE TIMES TO REMOVE ME OFF THERE CALLER LIST AND I DO NOT OWN THIS DEBT AND NOT FAMILIAR WITH THE COMPANY. I PROVIDED THEM DOCUMENTS. I KEEP GETTING HARASSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Zenith Financial Network Inc
State: VA

Complaint narrative:
The debt in question is over twelve years old. This debt is time barred and Wall pass the statue of limitation for the state of Virginia.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
The collection was removed from my report and then added back. This removal should have been permanent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a checking account with Chase to take advantage of the bonus of {$300.00} if you have a payroll direct deposit. I am working with XXXX and part of my paycheck is directly deposit to Chase Bank. Currently, Chase has not given me the bonus because per representative the deposit was not showing as payroll check, instead it is showing as a transfer. I offer to send a copy of my paycheck as a proof it is my paycheck, but they declined. I felt they are not giving me a chance to prove it was a payroll check and is not willing to give the {$300.00} bonus. I spoke to several representative & manager, who advised someone will call me back in 2 hrs. I waited 48 hrs but nobody called me back. After calling them 4 times someone advise the case is closed. I conference the rep with XXXX XXXX, and our XXXX  confirmed it was a payroll deposit, but they still did not accept the verbal. Please help. This is a false advertisement of Chase Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I responded to a XXXX XXXX for a piece of scuba gear for sale. The sellers name was XXXX XXXX. He gave me Zelle information for the payment using the number XXXX and name XXXX XXXX. It verified and I sent the agreed upon {$200.00}. He then blocked me. Zelle and my bank refused to refund. I subsequently found that the number provided for Zelle belongs to someone named XXXX living in XXXX who had no clue what I was talking about. Additionally there have been multiple accounts found with the same person under different name of XXXX XXXX. I have opened a police report and filed with FTC. I have screenshots and proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARS Acquisition, LLC
State: NM

Complaint narrative:
I received my credit report the beginning of XXXX and it showed a drop XXXX points. When I looked into this I found out that XXXX XXXX XXXX Who I bought my 2007 XXXX XXXX through, had falsely reported to the credit Bureau that I had missed a payment in XXXX I sent them bank statements and receipts and still they refused to remove or change it. I disputed this twice with credit karma and once with XXXX XXXX directly, I still have had no luck despite providing all the proof even receipts from the car financial that they received payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: TX

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 USC 1681. 

Account Name : 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  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: TX

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 USC 1681. 

Account Name : 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  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than 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 2023-09-27 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: TN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: SC

Complaint narrative:
Hi I financed a vehicle through US Auto Sales in XX/XX/XXXX  and I am scheduled to make XXXX payments of {$190.00}. All of my payments are up to date, however I recently was notified there was a change in loan servicer to Westlake Portfolio. After an accident, the vehicle was repossessed by Westlake. 

The car is currently being evaluated for a total loss. During my time with US Auto Sales, I was charged extra insurance premiums and had to come out of pocket for repairs that should have been covered under the warranty. 

To be honest, Id like to have a vehicle that is covered under a solid warranty, that is within my budget. US Auto Sales offered me an upgrade after paying {$10000.00} of my loan and it seems that is no longer the case. If possible, feel free to reach out to me for any additional information or solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Check n go is accusing me of taking out a loan back in 2019. No proof has been giving. They are trying to take me to court and get me fired from my job

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried to sign up for insurance for my new car i just got they asked for XXXX XXXX down so i gave them my card, they pushed it in the machine made me put my pin number, it got declined. Then the insurance lady said we can try the card again but before i wanted to try again i checked my account to see if i got a message from citi ( i usually do when my card gets declined ), it turns out the XXXX XXXX  was sucessfully tooken out of my account but it was declined on insurance card machine. So im thinking where the XXXX did my money go IF my bank ( CITI BANK ) doesnt have it and i can not get a receipt cause my card was DECLINED and i disputed it 5 minutes later with my bank, they declined 2 claims and im on my third claim from this dispute, citi bank is not helping me at all to get my money back they wont even send a agent to check out the scammy insurance place but if they dont have my money im assuming its my bank.

Company response to consumer: Closed with explanation