vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 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: FL

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: MI

Complaint narrative:
I made 4 payments last month in XXXX and they posted NONE of them to my account and say I'm past due. The first phone rep I talked to was not helpful at all ( I can understand her disbelief in my payments not getting posted, because I couldn't believe it myself but STILL! ) I submitted my bank statements through their " upload '' feature and they disappeared. I emailed : no response. I submitted a customer satisfaction survey ( VERY unsatisfied ) and EVEN THEIR SURVEY wouldn't work and let me submit it! I called back and talked to a different phone rep and they told me it could take 90 days to verify my payments. I asked about my having my bank reverse the payments and resubmitting and the first rep said, " well, then you'll be late. '' So I guess I have to wait around with a past due notice hanging over my head and the equivalent of two mortgage payments basically stolen from my bank accounts. Funny thing is that I was paying DIRECTLY THROUGH THEIR WEBSITE because I had issues with my payments being credited to my account when I used other payment methods ( bill pay from my checking account ). If I had used one bank account, well maybe I mistyped my account number, but this happened with 2 different accounts ( a checking and a savings ) from 2 different financial institutions ( a bank and a credit union ) and the money came out of my account as expected -- at this point, I basically feel like EdFinancial stole my money. And unlike a car loan or other type of loan, a student loan is not so easy to switch loan servicers! I feel trapped and abused and dismissed and BROKE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I sent my mother {$330.00} on XX/XX/ via Venmo. The money came out of my bank on XX/XX/. Then on XX/XX/ Venmo removed a second {$330.00} with XXXX verification. Does not even show up on Venmo transaction history. I contacted the company and they told me it was an engineering glitch and that is all they would tell me. Acknowledging that the money was taken but no refund. And no timeline on when money will be refunded if at all. I am not the only person this happens to. They stole thousands soon thousands from people and will not give any answers besides it is an engineering glitch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

dispute_item_and_explanation } LVNV FUNDING LLC XXXX XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Violating the Equal Credit Opportunity Act and Consumer Credit Protection Act by discrimination due to good faith exercising my rights under the Consumer Credit Protection Act and withholding my access to my securities which constitute Securities Fraud! This is unlawful and unethical activity being carried out involving discrimination and securities fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX  and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I have a PayPal account which got limited for 6 months, after that PayPal sent me an email saying that I can withdraw my funds but didn't allow me to link my bank account. Today I found that PayPal transferred the balance to itself and don't answer to my emails and contact. 
The amount taken is {$2300.00}. 
PayPal is a total scam, I heard of it, now I can testify. 
Please help. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
hello! 
I am writing to you since I have a couple of unacknowledged charges from you. The first is a transaction that did not take place and they made it VOID, but they charged me and the money was never returned to my card. The position is from XX/XX/2023. I didn't use the car, they generated the contract and 30 minutes later they canceled it. The record number is : XXXX. I would be very grateful if you would return my money please. 

XXXX And the second charge occurred last XX/XX/2023, I spoke because they had not renewed my contract and they charged me, the next day ( XX/XX/2023 ) they automatically charged me again. so they charged me double the same week. The contract with the record number is : XXXX, it lasts 5 weeks and they charged me with 7 charges. 6 for {$320.00} and 1 inexplicable for {$73.00} XXXX I appreciate your attention and I hope you can help me. 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 2023-12-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: IL

Complaint narrative:
Flagstar bank is improperly collecting property taxes from a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  They have been unprofessional, rude, and untrustworthy for the past several months.

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 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CATHAY BANK
State: MA

Complaint narrative:
I am the sole trustee of XXXX XXXX XXXX XXXX, I opened a business account in Cathay Bank in 2018 when we purchased the property in XXXX. XXXX  had ups and downs over the years, however we have a good will and put effort into a good relationship with Cathay bank. This year we paid off the XXXX bank loan and the bank issued satisfaction letter to us. 
Today I went to the Canthay bank branch located in XXXX XXXX XXXX, XXXX, asked the bank to issue a debit card for the business account, first the bank clerk said : did you lose your card? We have record that you already have a debit card? I answered I have never received an ATM card for this business account. I am here requesting one for this business checking account. Then the clerk said : there are notes in the account said not issuing ATM card for there are non business related activities. I asked whose mark was that? The clerk gave no answer. I said thats nonsense, all the activities are within business. 

I demand Cathay bank investigating this no notifying fraud notes in my account. A bank can not put such wrong notes in a business account without even communicating or proper process with the business owner/representative. 

This will invoke federal law on discrimination on small business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account : XXXX Public Record Bankruptcy, 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 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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Hello Looking at my credit report and disputing with the 43 bureaus which have gone nowhere and now no correspondence from them, I still have discrepancies that must be removed immediately.

These discrepancies are majorly impacting me from providing a house for my family.

According to 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 : XXXX XXXXXXXX Account # XXXX Violating 15 U.S.C 1681 section 602 A. and 15 U.S.C. 1681s-2 ( A ) ( 1 Account XXXX XXXX Account # XXXX Violating 15 U.S.C 1681 section 602 A. and 15 U.S.C. 1681s-2 ( A ) ( 1 XXXX XXXX Bankruptcy Reference number XXXX, XXXX This has been on my credit reports for 9 years violating 15 U.S.C 1681c. ( a ) ( 5 ) I am asking for these accounts that are reporting incorrectly to be removed immediately. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Hello Looking at my credit report and disputing with the 43 bureaus which have gone nowhere and now no correspondence from them, I still have discrepancies that must be removed immediately. 
These discrepancies are majorly impacting me from providing a house for my family. 
According to 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 : XXXX XXXXXXXX Account # XXXX Violating 15 U.S.C 1681 section 602 A. and 15 U.S.C. 1681s-2 ( A ) ( 1 Account XXXX XXXX Account # XXXX Violating 15 U.S.C 1681 section 602 A. and 15 U.S.C. 1681s-2 ( A ) ( 1 XXXX XXXX Bankruptcy Reference number XXXX, XXXX This has been on my credit reports for 9 years violating 15 U.S.C 1681c. ( a ) ( 5 ) I am asking for these accounts that are reporting incorrectly to be removed immediately. Thanks

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
I am writing to express my dissatisfaction with your failure to furnish the requested documents and complete the debt validation process, as stipulated in my previous correspondences via mail. Given these circumstances, I insist on the prompt removal of the account you reported from XXXX. The fact that this is just being reported to only once by the credit bureau means that this collection account is definitely unverified and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: CA

Complaint narrative:
I have disputed the negative payment history of 2 accounts being reported by County of XXXX XXXX. I have supplied proof of on time payment history over the past several years. The information provided is directly from the County of XXXX XXXX and shows payments being made on time, bi-weekly, without ever missing a payment. My dispute was not handled correctly as the lates were " Verified '' despite the obvious proof of on time payments. This erroneous, inaccurate, account needs to be removed from my credit file. Continued reporting of this account demonstrates wilful non-compliance, defamation of character, and violations of several laws under the FCRA. 

I have included the original disputes and also proof of payment history

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 2023-12-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, after looking over my credit report I am upset. All these inquires where not permitted by me. Not only are they incorrect, by them reporting and being visable this is commiting aggravated identity theft. These are unathorized and were not verified by me. I have called the credit bureaus send over 13 letters. Please remove these inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello, after looking over my credit report I am upset. All these inquires where not permitted by me. Not only are they incorrect, by them reporting and being visable this is commiting aggravated identity theft. These are unathorized and were not verified by me. I have called the credit bureaus send over 13 letters. Please remove these inquires.

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 2023-12-13 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:
This is on Transunion I have filed many complaints on them since XXXX for not removing inquiroes and two collection and 3 closed charged off accounts that arent mine I have called them and spoke to them as well i have mailed them the fdic indentity report wth a letter and still nothing

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 2023-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WF, I trust this letter finds you well. I am writing to formally request a comprehensive review of my denied claim, involving unauthorized transactions totaling {$150000.00} on my account. 
I recently received notice from the claims department that my claim was denied on the grounds that the transactions were authorized by me. I wish to emphatically state that I did not authorize these transactions, and I have substantial evidence to support my claim : 1. Police Report and Suspect 's Confession : o Attached, you will find a police report detailing my victimization through identity theft. The suspect has confessed to using my identity to deceive bank staff into wiring funds without my authorization. 

2. Proof of Work Attendance : o Additionally, I have attached documentation proving my presence at work during the time of the unauthorized transactions, further confirming that I did not initiate these actions.

3. Wells Fargo Authorized User Policy : o Finally, I have attached the Wells Fargo policy stating who is considered an authorized user. The suspect was never an authorized user and I never gave him my banking information to wire money. As a matter of fact, Ive never made a wire in my life. 
I am seeking a fair and thorough review of the evidence provided. It is my firm belief that the circumstances surrounding this case warrant reconsideration and prompt resolution. 

Id like to stress I DID NOT make these transactions and I am asking Wells Fargo to pay me back for the unauthorized transactions. Wells Fargo has a duty to reimburse me for the unauthorized transactions by law and my customer agreement. 

I am available at XXXX or XXXX to provide any additional information or clarification required for the mediation process. 

Thank you for your prompt attention to this matter. I look forward to a swift and fair resolution. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation