vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I paid my balance in full on XX/XX/23. The payment cleared my bank on XX/XX/23. Apple Card through Goldman Sachs would not apply the payment and release the credit so I can use the card. They have the money and refuse to allow me to use the card until XX/XX/XXXX. The will not give me a reason other than the funds will be released on the XXXX. They will not allow me to escalate to anyone. They have taken my working XXXX for 15 days for no reason al all. I can't use the money that I paid the balance with, I can't use the credit card and now my auto pays venders I have set up for that card are all declining, because I paid my balance off early. The best part is they are doing this over XXXX!! As of this complaint, they have still not released my credit so I can use the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Applied for the Wells Fargo active cash visa credit card. Explain that I have security alerts due to identity theft with major credit bureaus and would not be instantly approved. Call to provide additional information. Wells Fargo gives a default denial and refuses to properly reconsider on a case by case basis. The decision made is based on incorrect information. All three major credit bureaus have the same information, above XXXX XXXX XXXX, long-term credit history, no defaults are delinquencies, no late payments. Despite providing this information, Wells Fargo refuses to approve or consider the application.

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 2023-12-22 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: NC

Complaint narrative:
XXXX XXXX XXXX has been reporting non-verified information to the credit reporting agencies without my consent. I have not given XXXX XXXX XXXX MY written expressed consent to report anything to the credit reporting agencies. XXXX XXXX XXXX has failed to procure documentation ( Sworn statement of verification or judgment ) that I, XXXX XXXX, owe an alleged debt to XXXX XXXX XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: VA

Complaint narrative:
XXXX XXXX who is the parent company of Lexis Nexis has comprised my personal information by selling my identity and personal data to third parties for their financial gain. I have received my entire credit profile from Lexis Nexis who works for XXXX and there is information being shared and misused on MULTIPLE levels. I did not authorize my info to be used in this manner. 

I want to file a suit of identity theft and securitizing my data without my permission in Violation of the Patriot Act And Privacy Act of 1974. Also, against all those third-party companies for violations of the Privacy Act of 1974 and Patriot Act and misusing my information for their gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: SC

Complaint narrative:
Made a call to Mohela on XX/XX/2023 to advise them my loans have been forgiving and my credit report and account need to be updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: NJ

Complaint narrative:
My information was impacted by the XXXX XXXX XXXX and many items in my Experian credit file are from unauthorized use of my social security number and card. All accounts are being investigated by the FTC. i did not authorize these accounts to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. 

Fraudulent Item & Explanation : XXXX. XXXX - XXXX Service- {$3800.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) 2. XXXX XXXX- {$12000.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX- {$5500.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$600.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX - {$21000.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX - {$910.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) 7. Avant - {$360.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX - {$390.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX XXXX XXXX XXXX - {$1000.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX - {$1200.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX XXXX {$410.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX- {$1200.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX XXXX {$1300.00}

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 2023-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2023, I called XXXX XXXX to fully paid my XXXX XXXX credit store card and I was quoted the payoff for the amount of {$91.00}. With a surprise that I have been charged after that fee of interest of {$1.00} on XX/XX/2023 and late fee on XX/XX/2023 {$4.00} and on XX/XX/2023 {$1.00} on XX/XX/2023 {$10.00} XXXX {$1.00} XXXX late fee {$22.00} a late fee on XX/XX/2023 for amount of {$35.00} and interest charge on purchase {$1.00} which I did not make any other purchase at all on the XXXX XXXX credit store XXXX XXXX From {$1.00} interest charge purchase now, I owe a total of {$82.00}. This is unfair that I need to pay a balance amount that I didn't use at all. These are charges over charges to my account from interest over interest and fees. 

I need your help with this matter this totally arm robbery to a consumer that pay off the balance on the credit card and was told by a representative that was the total and I paid the amount of {$91.00} on XX/XX/2023. The call needs to be heard since it states all calls are recorded. 

My credit report should not be affective at all for wrong information provided from your staff.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-12-22 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: TX

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION! under 15 U.S Code - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing this letter to Synchrony Bank and enclosing evidence to show The negligence of Synchrony Bank. I am experiencing a double charge to which Synchrony refuses to fix. I have worked along with ParkWest galleries to try and fix this issue. and Parkwest issued a letter stating I was double charged and will be working on it with SYnchrony. Thus far, nothing. They did say however, It is a Synchrony Bank issue. My following proof is numbered by me and circled in every top right corner of the page. Highlights are in my notes, with each piece of document that I have presented to you. 

1. my invoices of my paintings that I purchased on XX/XX/2023. Since this date I have not made another purchase with ParkWest or use a Synchrony Credit Card.

i. I put on a loan with Park West, nothing to do with Synchrony Bank. 
ii. the remaining balance was {$24000.00}. 
1. {$20000.00} To Synchrony Bank credit card 2. {$4100.00} to my XXXX XXXX XXXX XXXX 2. my Loan contract with Park West that has nothing to do with Synchrony Bank . 
3. financed paperwork minus my downpayment. 
i. {$60000.00} purchase price ii. Minus my downpayment of {$12000.00} iii. Equals My debt with Park West not Synchrony {$48000.00} 4. Another breakdown sheet and my credit card payments to Park West Debt, not Synchrony. 
5. I highlighted my payments. 
6. My credit card statement ( s ) that show exactly what I paid. 
7. As my paintings were received by me I received my first portion of Parkwest Synchrony Bank debt of {$7600.00}. Date XX/XX/2023. 
8. My last payment to my Parkwest Synchrony Credit Card of {$12000.00}.

a. If you add the two amounts, guess what, it comes out to {$20000.00}.

b. Look at the bottom of the page, under payment summary, it matches the total of {$20000.00}.

9. I was charged again for {$12000.00} taking my Synchrony Credit Card to a {$32000.00} debt. This is an erroneous charge. I was charged twice for the same painting.

10. I have called several times and even changed my card and called and had my account reviewed over and over and Synchrony refuses to fix the issue 11. I have made some payments in the process as you can see. From your webpage 12. My sales draft and promotional terms for my Synchrony Bank card, {$20000.00}.

13. Some emails that I am in communication with Parkwest. If you read their letter, It shows once again that I was charged double for a piece of art at the total disputed amount of {$12000.00} After my emails with Parkwest, I received an email from Synchrony sees this as a unique and not a duplication. This is absolutely ridiculous. I would like to receive a courtesy phone call to discuss this matter further. 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 monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
Dynamic Recovery Solutions sent me a text without the required collection notice information. It simply stated that I owe money, doesn't say who they think I am, and propose a payment plan with a link to pay. This is not a proper collection notice. And it seems like they are trying to trick strangers to pay their collections accounts owed by somebody else. I am attaching a copy of the text msg.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
My WF Account was transferred to another bank then I had issues with my account.

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 2023-12-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2023 Bank of America, N.A., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear Bank of America , N.A , I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 
Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Visa Signature Account Number : XXXX XXXX XXXX XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 
If you have any questions or need additional information, please contact me at XXXX. Thank you for your prompt attention to this matter.

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 2023-12-22 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: CA

Complaint narrative:
On my Credit Report, I saw a collection account from a debt collector acting on behalf XXXX XXXX XXXX. I was able to retrieve the lease which was active at a time. I had my own lease with a different leasing company. Also, the email used to sign for the lease is not mine either. I wrote to the debt collector who has not responded and refuses to remove this debt off my credit report. I reminded them it is illegal to report accounts on my credit report for which isn't mine. XXXX, Transunion, and XXXX have not responded to my disputes and requests for the account to be removed off my credit 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 2023-12-22 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: CA

Complaint narrative:
On my Credit Report, I saw a collection account from a debt collector acting on behalf XXXX XXXX XXXX. I was able to retrieve the lease which was active at a time. I had my own lease with a different leasing company. Also, the email used to sign for the lease is not mine either. I wrote to the debt collector who has not responded and refuses to remove this debt off my credit report. I reminded them it is illegal to report accounts on my credit report for which isn't mine. XXXX, XXXX, and Equifax have not responded to my disputes and requests for the account to be removed off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
My wife and I were denied a personal loan because my wife, who has XXXX, could not sign loan documents even though I have Financial POA on her. Why is this not discrimination against the XXXX XXXX XXXX. XXXX XXXX  told me the same. This type bank policy forces some XXXXXXXX XXXX XXXX  to seek service from private loan companies who charge ridiculous interest rates that XXXX recipients can not afford.

Company response to consumer: Closed with explanation