vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I was the cosigner on a loan for my daughter 's XXXX XXXX XXXX that was traded in for a new leased vehicle in XX/XX/XXXX. The loan was supposed to have been paid by the new creditor for the new lease arranged through the dealership that she leased the new vehicle with. Neither my daughter nor I have received any bills from the creditor attached to the XXXX XXXX XXXX since it was supposed to have been paid off in XX/XX/XXXX. Now the company has put an alert on my credit report saying that the loan is over 30 days past due effective XX/XX/XXXX. I have requested statements showing the balance before and after the payment in XX/XX/XXXX and have not received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Fidelity Services, LLC
State: NJ

Complaint narrative:
I received a letter in the mail from XXXX XXXX XXXX XXXX around early XX/XX/XXXX stating that I owed debts to XXXX  and XXXX XXXX XXXX XXXX. I had visited this practice in early XXXX. However, shortly after the visits to this practice, I paid any money owed to them using my insurance provider and private payments via XXXX on XX/XX/XXXX. I have receipts for all transactions, and XXXX confirms these payments went through. 

I requested a verification of said debts. I also called and emailed the practice to determine how this could have possibly happened. The practice is now closed and my email and phone calls went unreturned. XXXX XXXX XXXX XXXX has simply mailed me a printed copy of the bill that I have already paid, and indicated that they will continue to pursue the debt. I am beginning medical leave from work right now. I do not appreciate the stress at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year>, I was traveling on vacation and received an email alert from Chase Bank thanking me for my recent application for a Chase Freedom Flex Card. At my earliest convenience I contacted the bank to let them know that I did not apply for this card and that the inquiry needs to be removed and I would like paperwork on this fraud case so that I can file for more information to see who may have filed for this card in my name. They said not to worry and that the card was denied because the address didnt match the address they had on file for me. 

My main issue with the company now is that its almost been 2 MONTHS and I have yet to receive any documentation on this incident and the inquiry is still on my credit report. Ive spoken to 3 different representatives and all of them have said I would receive paperwork in two weeks. Its the same message every time. I need these inquiries removed from my credit report immediately and Id like paperwork for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America recently removed the online option that allowed the consumer to direct an overpayment of their monthly mortgage payment toward their principal balance. According to Bank of America agents, in order to pay extra toward our mortgage principal balance we now must wait until the initial payment has cleared and then make a second payment otherwise it will be allocated automatically to the next month 's bill, therefore not reducing interest accrual. The delay they are causing means consumers will pay more in interest and we believe that many people will not bother to make the second payment meaning the bank makes more money and the consumer loses a valuable tool to pay less. Bank of America should not be allowed to circumvent the consumer 's right to prepay their mortgage most efficiently. We hope that the Consumer Financial Protection Bureau can intervene on behalf of Bank of America consumers.

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 2024-08-10 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: MA

Complaint narrative:
Recently checking my credit report i noticed iv been a victim of fraud and found numerous credit inquires on my credit report that i have no knowledge of here are the inquires i found : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXXPlease remove all of these fraudulent inquires from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: GA

Complaint narrative:
Fraudulent accounts or charges appear on 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 2024-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I purchased a program named XXXX which upon payment they where supposed to send a debit card which will allow members to purchase discounted items and travel amenities, the cards never arrived they kept delaying launch and finally they changed the mane of the company to finmore, a couple of weeks after that a letter was emailed that the company was shutting down. I payed {$490.00} dlls per membership. 
Upon receipt of the letter I called Wells Fargo in order to get my funds back since services where not rendered, they kept ignoring my requests. I received the letter from XXXX XX/XX/XXXXXXXX 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 2024-08-10 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: MA

Complaint narrative:
On XX/XX/year>, my " friend '' XXXX XXXX sent me a payment for {$80.00} through PayPal. He was under the influence of alcohol and drugs, which I found out later down the line. I received the money and withdrew it from the ATM using my PayPal debit card. He, for some reason, proceeded to call PayPal customer service and reported that I had not received the money. He filed a dispute, calling me a " seller '' and said that he did not receive his goods that he paid me for. This was a payment for assistance as he had done SEVERAL TIMES in the past. PayPal did not give me the option to dispute his claim and they gave him back his money. They have put my account into the negative by {$91.00} and have sent it to collections, known as XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: VA

Complaint narrative:
I was reviewing my credit report and noticed that I some authorized accounts and inquiries

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 2024-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I am a class member of the Sweet v. Cardona Borrower Defense to Repayment lawsuit. I was notified via email by the U.S. Department of Education on XX/XX/XXXX that I was granted a discharge of all federal student loans used to attend a for-profit school. I learned in XXXX of XXXX that Navient, holder of my private loans, offered a possible relief program if a borrower attended a school where misconduct was committed or a lawsuit was brought against the school. I owe about {$7000.00} on XXXX private loans and submitted the XXXX XXXX XXXX application, following all of Navient 's instructions. I also submitted all the documents I had to support my claims and complete all sections of the application. I received an email notification on XX/XX/XXXX that my application had been received and was under review. On XX/XX/XXXX, I received XXXX emails from Navient and each one stated that the " XXXX XXXX XXXX application is denied ''. I contacted Navient by email and asked for an explanation as to why my application was denied and how soon I could reapply. I was told I could submit other supporting documents, but I already submitted all that I had, including the letter from the XXXX Department of Education stating that my federal loans had been XXXX. That letter included the name of the school I attended, which matches the name of the school on all three loans held by Navient. I received a letter from Navient dated XX/XX/XXXX that was vague and did not give a reason why my discharge application was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
Prosper XXXX XXXX  reported my account thirty days late to XXXX on XX/XX/2024. I contacted prosper to ask them was I thirty days late. Prosper informed me that I made a payment on XX/XX/2024 and that I was only 22 days late due to late fees added on my account ( See attached ). The prosper representative informed me that they would create a ticket and they would remove the thirty day late on my XXXX credit report. I disputed the information with XXXX and once XXXX contacted Prosper about the incorrect reporting they informed XXXX that the information was correct. I have attached a copy of the statement which shows I paid Prosper on XXXX XXXX, 2024. To make matters worse prosper retaliated and falsely reported that I was over my credit limit to further destroy my credit with XXXX. My credit limit with prosper is XXXX and my balance is XXXX. I contacted Prosper and the representative refused to remove the information and later reported in XX/XX/2024 that I was over my credit limit which is incorrect. My credit limit with Prosper is XXXX. My current balance with XXXX is XXXX ( see attached ) I have attached my current statement which shows my balance is only XXXX. Prosper acts like loan sharks. I XXXX be paying a few days late because of a financial hardship but Prosper is retaliating against me and reporting me as if I am thirty days late and reporting that I am over my credit card limit when in fact I am not. Prosper acts like loan sharks. Prosper was calling me over twenty times a day becuase they had charge me two late fees of XXXX which is almost half the amount of my monthly payment. Prosper is refusing to remove the thirty day late and now they have retaliated and reported that I am over my limit even though I am not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Spring Oaks Capital SPV , LLC # XXXX, for committing identity theft. I have never given Spring Oaks Capital SPV , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. XXXX legally refusing to pay this debt pursuant to 1692c ( c ). Im demanding a cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until SPRING OAKS CAPITAL SPV , LLC XXXX can provide me with sufficient documentary evidence such as a trilateral contract, that I have any legal obligation to pay them .15 U.S.C . 1692e ( 12 ). The false representation or implication that accounts have been turned over to innocent purchasers for value. 

If this documentary can not be produced and Spring Oaks Capital XXXX XXXX # [ XXXX ] continues its collection efforts, I will file for ligation for actual damages caused and SPRING OAKS CAPITAL SPV , LLC XXXX will be held criminally liable for aggravated identity theft pursuant to 18 U.S.C . 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the documents herein and of this notice.

You are here by notified Pursuant UCC 1 - 202f. 
Your Prompt Attention and response are both requests and required. XXXX XXXX XXXX XXXX. # ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
CREDIT REPORT/FILE IS NOT BEING INVESTIGATED PROPERLY AS REQUIRED UNDER THE FCRA AND 15 UNITED STATES CODE . I have provided all the documents required on my end and these accounts are still being reported inaccuratly with fraudulent charges attached.

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XX/XX/XXXX i sent in a dispute asking Transunion and XXXX to delete collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A debt validation was done by XXXX and the account could not be verified so therefore XXXX deleted the Collection account. Since then i have sent multiple disputes to Transunion and XXXX for this collection to be deleted.

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 2024-08-10 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: HI

Complaint narrative:
I am writing to formally dispute the information reported by your company to the credit reporting agencies regarding an alleged late payment on my account, referenced under Account Number [ Your Account Number ]. Specifically, I dispute the claim that a payment was made late on [ Date of Alleged Late Payment ]. 

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that creditors must maintain accurate records and provide sufficient evidence when reporting information to credit agencies, particularly in cases of disputed information. In light of this precedent, I request that you provide me with the following : Copies of all internal records and documents that demonstrate the payment in question was, in fact, received late.

Detailed payment history of my account, including the dates and times when payments were posted to my account.

Evidence of notification sent to me regarding the alleged late payment.

Please provide this information within the timeframe prescribed by law. If your investigation concludes that the payment was not late or if you are unable to provide sufficient evidence, I request that you immediately correct the inaccurate information on my credit report and notify all credit reporting agencies to which you have reported this information.

Failure to comply with this request may result in further action, as inaccurate reporting can have significant consequences on my creditworthiness and overall financial standing.

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this dispute. 

Sincerely, [ 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 2024-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MA

Complaint narrative:
I have a checking account with Chime Bank. A few days ago, I logged into my account and noticed a XXXX balance. I looked at the transactions and saw that they took all my money, {$1500.00}, on XX/XX/XXXX, marked it as an adjustment, and closed my account on XX/XX/XXXX. The bank has a policy to close a customer account if you are inactive for XXXX months. The last time I logged in to my checking account was XX/XX/XXXX. So basically, XXXX months after I logged in to my account, they closed my account and kept my money. I tried to contact them over XXXX times, and every time they told me a different story, the last representative I spoke to said they would not return my money without providing me any reasons. I need help to get my money back. They dont explain what happened and why they closed my account. I did not get any email or letter from the bank telling me they would close my account. 
This is a real steal, XXXX cant believe the bank could do that. I tried to send them a message through XXXX and they immediately.blocked me. When I called the bank over the phone and no one could explain why it says adjustment under that transaction everyone was guessing what it XXXX be. Please help me to get my money back. 
Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Based on, 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate.. This section requires that if an item is disputed, the credit reporting agency must promptly update the item in accordance with the results of its investigation. I request that you conduct a thorough investigation and update or remove the disputed items as necessary.

15 U.S.C. 1681e ( b ) : This section mandates that a credit reporting agency must follow reasonable procedures to ensure maximum possible accuracy of the information in the consumers credit report. The information currently reported is inaccurate and, therefore, does not comply with this requirement.

Pursuant 15 USC 1681 section 602 A states I have the right to privacy.15 U.S.C . 602 ( a ) : This section obligates credit reporting agencies to use their services for the purpose of credit reporting and to maintain reasonable procedures to ensure that their reports are accurate. The inaccurate entries on my credit report indicate a failure to comply with these procedures.

Pursuant 15 USC 1681 section 604A section 2 : It also states a consumer agency can not furnish accounts without my written instructions I am requesting the original copy of agreement, terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the listed items on the attached document. You are required to do what I am asking and black these transactions from my consumer report within 4 days.

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ba

sed on, 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate.. This section requires that if an item is disputed, the credit reporting agency must promptly update the item in accordance with the results of its investigation. I request that you conduct a thorough investigation and update or remove the disputed items as necessary.

15 U.S.C. 1681e ( b ) : This section mandates that a credit reporting agency must follow reasonable procedures to ensure maximum possible accuracy of the information in the consumers credit report. The information currently reported is inaccurate and, therefore, does not comply with this requirement.

Pursuant 15 USC 1681 section 602 A states I have the right to privacy.15 U.S.C . 602 ( a ) : This section obligates credit reporting agencies to use their services for the purpose of credit reporting and to maintain reasonable procedures to ensure that their reports are accurate. The inaccurate entries on my credit report indicate a failure to comply with these procedures.

Pursuant 15 USC 1681 section 604A section 2 : It also states a consumer agency can not furnish accounts without my written instructions I am requesting the original copy of agreement, terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the listed items on the attached document. You are required to do what I am asking and black these transactions from my consumer report within 4 days.

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