vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX damaged my credit report by adding eternal insurance that I was not aware of till I seen it on my credit report they raised my payments from {$950.00} to {$1200.00} with out notifying me first about the adjustment they claim they sent the letter to XXXX XXXX XXXX XXXX but my address starts with XXXX this is an error on thier part I have never lived at XXXX XXXX XXXX XXXX I moved to XXXX XXXX XXXX XXXX Immediately after XXXX XXXX XXXX and because of that error in witch they refuse to fix and reverse the charge of {$7500.00} off for them purchasing the external insurance in witch by the way I had insurance on the loan the whole time through XXXX  they refuse to remove the {$7500.00} for that insurance with made my payments go up and make me struggle to get it and their change happened during the pandemic I had XXXX XXXX XXXX XXXX on the phone with my insurance company to prove to them I had insurance the whole time after detting off the phone with XXXX in touch still refused to change my credit and reverse the charge I made several calls to them even challenged the information through the credit reports still they refuse stating all what they say is true

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 2023-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: TX

Complaint narrative:
Company is receiver of scammed funds, and refuses to process complaint with evidence provided. 
XX/XX/2022 {$10000.00} USD converted into .XXXX XXXX Attempted to contact company and provide proof of transactions through XXXX audit but company would not acknowledge information provided. 
See attached complaint document in pdf format

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I bought a washer/dryer set from XXXX XXXX XXXX in XXXX, Texas. Originally I was going to pay cash, but the store individual asked me to " apply for credit '' through their stores finance company ( American First Finance ). She handed me her lap top and instructed me to complete the application on line. I was approved for XXXX, the set that I selected off the showroom floor was a Grey Whirlpool front loader for XXXX. I had to put a deposit down and when I requested copies of the contract, receipt and paperwork... the printer was down. I was told that the fiance company would e-mail me a copy of the paperwork... ..Part of this purchase was a free delivery of the set and the removal of my old set to be used as a trade in ... .Upon delivery, the installer notified me that both units had problems... so I contacted the seller, XXXX, she scheduled to have another set delivered. Same thing, the washer tub fell out, the dryer would not work correctly... Once again, through text, telephone messages, I talked with XXXX. They was to send out " their repair technician ''. They never showed. I requested a replacement set. The third set was a top loader washing machine, standard dryer and no pedestals. This was not what I purchased. This happened two more times. The 4th set was a XXXX front loader set. Upon delivery, the installer noticed problems. XXXX scheduled to have " a repairman '' to come and fix it. 
It was not fixed. I contacted the Finance company and issued a complaint. In addition, I filed a complaint with the XXXX XXXX. At the same time, the finance company contacted me by e-mail to " pay off my note '' to avoid interest and finance charges. I talked with their offices multiple times and no resolution. I paid my note off. I finally received a copy of the contract and a payment history. It all pertained to the original washer and dryer that I purchased. Basically I paid for something that I did not have. 
To date, the company has not repaired either my washer or dryer. In XXXX, I received a letter from American First Finance informing me that they was going to resume deducting payments from my account due to it not being paid off. I immediately filed a complaint with the company, I even showed them and gave them the transactions information from the bank showing where they deducted it from my account. 
To date neither company has resolved my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX I called fifth third to see if I could get any overdraft fees reversed because I had been told in XXXX when I called, I would be eligible after XX/XX/XXXX. Also to note I called in XXXXXXXX XXXX XXXXXXXX and was told I was eligible in XX/XX/XXXX which is why I called in XXXX. In XXXX, I was told I had to wait a whole calendar year before I could request one and the first one I received was in XXXXXXXX XXXX XXXXXXXX. ( Same thing I was told in XX/XX/XXXX but that the first one was in XXXXXXXX XXXX XXXXXXXX ). 

The rep i talked to on XX/XX/XXXX told me I was not eligible till XX/XX/XXXX and not sure why I was told differently. I asked to speak to a supervisor because all the calls are recorded and I wanted to know why I had been told wrong info several times. I was transferred to a specialist and not a super ( XXXX  She would not give me full name ) she was very rude and kept repeating herself and told me they would not review the calls because they only do when its an error on the bank. I told her this was, they gave me wrong info. These people should be at the least coached! I again stated I wanted to talk to a supervisor, she immediately transferred the call and cut me off. 

I then talked with a supposedly supervisor named XXXX ( would not release his last name ) he explained my first reversal was in XX/XX/XXXX which is why I had to wait till after that date to ask for any fees back. I had fees accrue in XXXX and XXXX but since I didnt ask for any of them to be reversed till my XXXX fees, they use that at the start date for the reversals. 

While I understand now I am completely appalled by how I was treated and how so many agents could tell me wrong things. This is deceptive and deceiving as well as does nothing to help the consumer who has banked with them for several years and paid several hundreds of dollars in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/2022, I mailed dispute forms to XXXX, XXXX, and Transunion along with a copy of my valid ID, social security card and a utility statement. In my letter I requested correction of my personal information as well as accounts with ownership and reporting errors. 

( Please see attached letter and dispute form. ) The three credit reporting agencies did nothing to verify, remove, correct or update to the correct information provided.

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 2023-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: LA

Complaint narrative:
Hello, I received my complaint response from RELIANT LLC, and I have read the information that was sent back to me in which I have questions. I see were it states that yes I did ask if there was an option to pay for delete, and you do no not offer that service. 

I also see were it states that Reliant is NOT reporting to the credit agencys. What do you mean exactly? Do I pay RELIANT, and then you report to the agencys that it is paid for?

Yes I did speak with a person who is a representative ( 1 ) time from RELIANT. When you say ( 3 ) times to my line from RELIANT in which I did say there were multiple calls to my line that is correct. More than ( 1 ) is multiple calls to my personal phone line. A recorded line should prove and indicate of one recorded phone call with a male representative on XX/XX/2022 like you stated. Only one call.

I have asked for ( 4 ) items to be sent to my mailing address you have one file. In this complaint, you have sent me ( 22 ) copys of paperwork from XXXX XXXX and also including RELIANT. I have yet to see a copy of my contract in which I have asked for. I see my billing statement, I see a copy of RELIANT LLC letter and it keeps repeating to the last page. Where is my contract that I have asked for more than once? 

I am trying to work with you to get this resolved in the best way possible. 

Can you tell me what I can do to make Mende meet to get this closed account off of my reports? Possible paying 50 %? Please help me get this resolved. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 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: CA

Complaint narrative:
I am writing to file a complaint against PayPal for wrongfully closing my account. I have been a loyal customer of PayPal for over 20 years and was recently informed that my account has been permanently limited. This has left me unable to use my account, which is a significant inconvenience. 

I started an online record store on XXXX marketplace in XX/XX/2022, and the only payment provider available to me was PayPal. I have been doing relatively well with sales, and every time there is a change in sales for the better, PayPal has issued a long hold on the funds, slowing down my business. Recently, PayPal requested proof of purchase, proof of fulfillment for six different orders, as well as a description of what my business does, which I willingly provided. 

However, to my surprise, I received a letter from PayPal stating that my account had been permanently limited due to potential risks associated with it. This decision does not make sense as I have a great reputation in the marketplace with my customers, which I gained quickly. I have 92 customer feedback ratings with a 100 % positive score, with many customers noting fast shipping, carefully packed orders, and records exactly as described. 

Moreover, I finally got back on my feet after being without steady work for almost 2 years due to the constraints caused by the COVID-19 pandemic, and I am now forced to completely close my XXXX store as PayPal is their only payment provider. I was on the way to opening a second store, but now my income has been cut. 

I have carefully read through all of PayPal 's documentation and could not find a single thing that I violated. Furthermore, all the orders that PayPal requested information on were fulfilled and delivered. 

I strongly believe that PayPal 's decision to permanently limit my account is unjustified and based on erroneous information. I request that you investigate this matter and take appropriate action against PayPal. I hope that my account will be reinstated, and I can continue doing business with PayPal in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: IL

Complaint narrative:
I filed several disputes notifying them that this debt is not mine and I have asked several times for the credit bureaus ( Experian ) to retrieve proof. All they come back to me with is a typed statement saying I owe the debt. They dont get proper validation.

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 2023-02-22 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I opened an online savings account on XX/XX/2023 in the amount of {$50.00}. 

This was the second savings account I have opened. 

A week later, Truist bank locked my online account access. 

I called the number provided and spoke with several people. 

They told me I would have to travel 2,000 miles from my home to close the newly opened savings account. 

RESOLUTION Change policy and procedures to best reflect online banking and not have a customer travel outside her home/state to do business. 

This defeats the purpose of online banking.

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 2023-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
They call everyday I have asked them to stop calling 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 2023-02-22 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: Self Financial Inc.
State: NJ

Complaint narrative:
Dear Self.Inc, I am writing to bring to your attention a serious issue that I have been experiencing with the processing of my credit card payments through your online platform named Self. As a loyal customer of your credit card service, I have noticed that payments made through this platform are not being processed properly, often taking more than 7 business days, and when they are finally processed, the credit is not being applied to my account. 

This delay in processing and failure to apply credit is causing significant inconvenience and distress. I rely on prompt payment processing and accurate accounting to manage my finances and maintain a good credit score. It is extremely frustrating to see that my payments are not being processed as they should be, and even more so that credit is not being applied to my account. 

I understand that issues can occur from time to time, but this problem has been happening consistently, and it seems to be a serious problem with your payment processing system. These bad practices can result in the accrual of late payment fees, interest charges, and other penalties that can be financially damaging to me and other customers. 

I urge you to take prompt action to address this issue and restore your customers ' confidence in your payment processing system. Please review your payment processing procedures and make the necessary improvements to ensure that payments are processed correctly and that credits are applied accurately and promptly. 

I appreciate your attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATIONXXXX XXXX {$4600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$400.00} XX/XX/XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/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 2023-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-22 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Abbott Osborn Jacobs PLC
State: MO

Complaint narrative:
I paid this debt 's judgment on XX/XX/22. They continued to garnish my wages and I had to wait over 30 days to receive the credit back of 4 payments. In addition, I was never sent a satisfaction of judgement. The representative tells me I can " pull '' it from the court site. I can not as I do not have a XXXX number in order to login to said court site. She sends me a screenshot where SHE can download the linked report - that is not available on my side. I repeatedly asked for a satisfaction of judgment to be sent to me, and it is now two solid months after I paid this debt. The inaction of the attorney to send me a copy of this judgment is holding up the title search of the sale of some property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: NV

Complaint narrative:
I applied for a credit karma account to receive my tax refund. This morning XX/XX/XXXX I log into my account and it states that its closed. I contacted credit karma and they stated they couldnt tell me why my account was closed and would forward me to they specialize team. Ive never reciprocated any information as to why its being closed.

Company response to consumer: Closed with explanation