vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: MO

Complaint narrative:
A company called first credit services is calling me daily every day about a debt with an unspecified amount. They call from a different state every day during my work hours. I am not entirely sure what the debt it for but I suspect it is for a gym membership from XXXX XXXX in XXXX, KS. I had a gym membership. They overcharged me, also were not submitting charges to an on file payment for two months and then notified with a large bill. I could not meet with them in person for XXXX  and they would not return my calls or address itemized charges via email. I made a payment towards correct charges so would continue the dialogue on incorrect overcharges and needed credits. They might have sold debt not with credit. Their online system would not show details of charges to review nor dispute. They cancelled account and sold debt w/in XX/XX/XXXX days of notification to try and resolve. I believe it was sold to this company. I had one conversation w/the First credit services in XXXX of XXXX and they have not provided written itemization of debt, debt total, who the debt is from, and the original contract as requested. I have not received any written notice to try and dispute the debt and they call everyday sometimes 2x a day. I will not speak to them until I get a written detailed notice as there is no point if I can not see the itemized debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: CA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am still having a very very difficult time with Equifax lowering my credit score now two times once in XXXX of 2022 and now the most recent time in XXXX of 2022 and each time the score dropped XXXX points each with no major changes to credit report. They are not being monitored for their unethical practices and calculations of individuals credit scores. There was nothing in my credit report to drop XXXX points Equifax just pulled a number out of the air and that was the number. This is why Equifax is in the national news for this very same reason about reporting individuals inaccurate credit scores, that I filed a complaint about in XXXX of 2022. The other two credit agencies did not lower my score by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

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 2022-08-08 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: GA

Complaint narrative:
XXXX is showing on Equifax credit report as not being paid.I have spoken ti Equifax several times, still hasnt updated XXXX Account ending in XXXX as Paid. Disputed and still not resolved. The account is listed as a charge off, and doesnt say paid. This account was paid, before going. Please see attached letter from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/2022 I have set up Discover to be a primary form of payment on my XXXX ( XXXX  ) account. According to the recent offer all XXXX transactions are pre-set to Discover as form of payment. However two transactions were not processed through Discover : XX/XX/2022 Payment to XXXX XXXX for {$450.00} XX/XX/2022 Payment to XXXX for {$100.00} The resulting loss of the bonus is {$27.00}. When I brought this issue to XXXX I was told that the Discover was responsible for not accepting these transactions so they went to the alternative form of payment : XXXX and the checking account. 
When I brought this issue to the Discover Card supervisor I was told that since these transactions do not show on its rejected transaction screen the issue is not their to address. She was not even interested in looking at the issue and even reviewing the data ( below ) since she told me she's neither authorized or equipped to deal with issue such as this. 
XXXX I find this way of thinking appalling. The DiscoverXXXX  offer has been a offered to me ( supposedly in good faith ) so it should be a responsibility of these two companies to address them instead of hanging the customer high and dry. I think Discover marketing should also get involved here as if for whatever reason the XXXX is a culprit why then it is lying to customers while automatically denying the benefit to the customers? 
Screenshots : 1 ) The XXXX account set to Discover as automatic payment. 
2 ) The XXXX transaction made to checking account instead 3 ) XXXX transaction made to XXXX instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
A credit card was opened in my name on XX/XX/2022 from Bank of America. I called on XX/XX/2022 when I noticed my credit score had dropped due to hard inquiry in my name.I was told I could close the account because I did not authorize or apply for the card, so I did. I have a XXXX point due to this fraudulent account. I need to get this removed and to no longer receive mail from Bank of America.

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 2022-08-08 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: GA

Complaint narrative:
I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

XXXX XXXXXXXX bankruptcy and XXXX  XXXX bankruptcy was verified to my account without being verified Account names XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX  Account number XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX Account number : XXXX In accordance with the fair credit reporting act XXXX Accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: GA

Complaint narrative:
I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

XXXX XXXX bankruptcy and XXXX XXXX bankruptcy was verified to my account without being verified Account names 1. XXXX XXXX Account number : XXXX 2. XXXX Account number : XXXX 3. XXXX XXXX XXXX Account number : XXXX 4. XXXX XXXX Account number : XXXX 5. XXXX XXXX Account number : XXXX 6. XXXX XXXXXXXX Account number XXXX 7. XXXX XXXX Account number : XXXX 8. XXXX XXXX Account number : XXXX 9. XXXXXXXX XXXX XXXX Account number : XXXX 10. XXXX XXXX Account number : XXXX 11. XXXX Account number : XXXX 12.XXXX Account number : XXXX In accordance with the fair credit reporting act XXXX Accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-08 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please investigate and delete from my credit report. As per the Bankruptcy court they dont report to the credit bureaus.

2. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 



* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, 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 2022-08-08 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: CO

Complaint narrative:
On XX/XX/2022 XXXX took XXXX out of my account when I had no services with them. I notified PayPal and was issued a temporary credit. Unfortunately for me, this action was reversed due to PayPal requiring me to provide proof of the fraudulent charge which is contrary to what Regulation e states, the burden of proof is on the debitor rather than the account holder. 

When informed about this PayPal doubled down and refused to reverse their decision and I have to start the whole process over again. 

Please inform PayPal that they need to give me my money back until XXXX has satisfied the burden of proof for the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: MS

Complaint narrative:
I am writing this in regard to recent findings and have called and sent letters in regard to Equifax Improperly sharing my information and reporting false and in accurate information on my credit report. they have continued to report these false and inaccurate information causing me stress and uncontrollably anxiety. What they are reporting is keeping me from getting a home for my family and a car. Pursuant 1681 ( a ) 3 the Consumer reporting agency ( EQUIFAX ) has assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Pursuant 15 USC 1681 ( A ) 4 they have exercised their responsibilities with unfairness, without impartiality, and with no respect for the consumers ( ME ) right to privacy. Pursuant 15 USC 1681 ( b ) 2 I did not give consent for them to furnish anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: VA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account # XXXX 30 days late in XX/XX/2019.

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 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX my credit card was charged for the full amount instead of the monthly installments that were set up. This was a mistake on my behalf and I reached out to Wells Fargo to get it reversed. 

They told me that it can take up to 11 business days to get my money back. 

Today is XX/XX/XXXX and I still have not received my funds of over {$3000.00}. 

Ever time I call they give me the runaround, and refuse to tell me when Im getting my money.

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 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/XXXX, a payoff payment was mailed to PayPal/Synchrony with a statement included. The check came from XXXX XXXX in the amount of {$2900.00} ( it was part of a cash-out refinance ). According to XXXX, the check cleared on XX/XX/XXXX. I've opened a dispute with PayPal/Synchrony and attached the check provided by XXXX. There was very little communication and my dispute was suddenly closed without any additional information. I sent proof of the check to PayPal/Synchrony . I've opened another dispute, but have little confidence it'll be resolved, as the customer support at PayPal/Synchrony is very poor. Also, I mailed 11 other payoff checks to various credit card companies and banks, and all were successfully received/applied. If you need to reach XXXX for further proof of the check clearing, they can be reached at XXXX. I'm at a loss, as the {$2900.00} was part of a cash-out refinance to clear up debt. 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 2022-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XX/XX/XXXX - Was double charged for TV, as when Best Buy agent canceled order, it did not reflect in Best Buy inventory. Never got that TV, but the issue at hand is, that charge is stuck. Called Citibank who services Best Buy card. They sent me back to Best Buy, and am stuck in loop. 

Emailed Best Buy Corporate XX/XX/XXXX, once new statement was out, and I saw charges. They contacted me with resolution about gift cards being used to pay off the incorrect charge. I have voicemails from XXXX at BB executive office with the above solution for reconciliation ( XX/XX/XXXX ). Weird way to reconcile errorcould this be XXXX compliant?? 

XXXX direct line at Best Buy Executive Office - XXXX. You can verify everything with him. Happy to provide you with emails to Best Buy, and voicemails from XXXX with supposed resolution. 

Today its XXXX, and my account is still double charged. I feel like Im held hostage at this point. This is impacting me credit utilization, and thus my XXXX. My XXXX is good, but logically would be higher, if it doesnt show an extra $ XXXX being used on account ( current total charges are ~ $ XXXX ). This should be illegal. 

I feel stuck, like XXXX against XXXX. Please help me with some guidance. Had the tables been turned, and I walked out with a $ XXXX tv, Best Buy would surely have locked me up immediately. 

Respectfully, 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 2022-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
I was notified at the end of XXXX that my account was on hold due to a balance I owed. The balance I owed was for a transaction Coinbase never received funds for. The amount was {$10.00}. I was notified to make a payment on their website or application. When I attempted to make the payment I continued to receive error messages or there wasnt even an area to pay. I received another message stating that after 5 business days they will automatically resolve the issue by taking funds from my current account balance. I have tried text/phone/email support over 10 times with no help. My complaints are being ignored and Ive been told Ill be in contact with a supervisor in a couple of days but its been over a month. My funds are locked and my ability to trade is restricted. I have the funds and have the ability to make a payment but due to a failure on coinbase I have lost those privileges and it is costing me money since I cant withdraw buy sell or trade. I want to file a law suit for monetary damages since I have been losing money for over a month and have been given no support from coinbase. They havent taken funds and all the troubleshooting methods have failed. The attachments included are screenshots of what Im seeing on my end. I can not click on make payment since it just brings me to the error message I have attached. Additionally the email link provided does not do anything for me its bring me to the same error message. On the web browser it does the same thing and tells me it will be automatically resolved in 5 days ( it has not ). I have tried different browsers, cleared cache and data, reinstalled the app, etc. this is coinbases fault and I need to be justly compensated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08 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: GA

Complaint narrative:
I've been disputing adverse information, non- public private information, and mixed file information with Equifax for years to no avail. I've also mailed numerous of written disputes to Equifax via regular mail, via certified mail, online via, Equifax 's website, and over the phone with Equifax to no avail. Pursuant to 15 USC 1681 ( a ) ( 3 ), Equifax assumed their role in assembling and evaluating consumer credit and other info on consumers, I never gave Equifax permission or consent to report anything about me on any consumer report. 15 USC 1681 ( a ) ( 4 ) states there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. Equifax 's consumer report about me is unfair & impartial because I was never consulted to verify if the information was accurate or if even wanted info reported at all. Equifax hasn't exercised their grave responsibilities as evidenced by hundreds of inquires they've allowed into my consumer report, the 2017 data breach, the recent revelation that Equifax has damaged millions of consumers by sending erroneous scores, as well as the continuous reporting of unverified accounts on my consumers report. Equifax has shown a complete lack of respect for my righto privacy, by reporting these accounts and inquires without my consent & written instructions. These actions by Equifa are also a violation of the XXXX XXXX, referenced by 15USC 6801and USC6802

Company response to consumer: Closed with explanation