vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank Relicard has been nothing but trouble since receiving it. I usually get my direct deposit Government Benefits sent to US Bank XXXX XXXX XXXX after receiving them from XXXX. US Bank does not deposit my benefits early. Recently, I requested a payment from Texas XXXX XXXX on XXXX XXXX, 2023. This was processed and sent to US Bank XXXX on XXXX XXXX, 2023. I did not receive the funds, When I logged in today it tells me that my account 's are in ( Read Only ) Mode. When I spoke to a rep today from US Bank XXXX they told me that my account has been deactivated from XXXX and that I need to contact XXXX. XXXX does not issue debit cards and does not have control over enabling or generating or disabling debit cards. That is US BANK. I asked to speak to a manager who told me they closed my account on XX/XX/XXXX after receiving my payment and that I can't speak to anyone about it and he can't explain it to me. Even though, I never received any letters or notices from US Bank Prior to my account being ( Closed ) Without Explanation or resolution. Again he directed me to contact XXXX. I called XXXX Today and they told me they don't see anything about a account deactivation and that there is no errors on their side, They told me they will have to send an inquiry to their finance department but they already issued my payment and US Bank did not send it back. US Bank is obviously holding my funds ( My original email XXXX ) US Bank Relicard customer service refuses to give me any information and just keeps directing me to XXXX. XXXX tells me they do not issue debit cards, my account is not locked with XXXX and my benefits payments are in good standing. So Clearly this is an issue with US Bank Relicard. They are holding {$1000.00} of my money, and this is going to cause me to be evicted and not be able to pay bills. This is causing financial loss and monetary harm. US Bank Did not provide detail, and will not assist me. US Bank issues the Relicard and again they are all clueless as to what is happening. XXXX said Relicard may need to verify my identity but they have already done that several times now. I want a resolution as to how it is legally allowed for them to hold my government benefits without explanation. Closing the account the day they receive them seems oddly suspicious.

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 2023-07-05 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: DISCOVER BANK
State: MI

Complaint narrative:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and XXXX XXXX this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 explanation
Consumer complaint received 2023-07-05 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: UT

Complaint narrative:
I have a recurring monthly automatic purchase of {$100.00} to a vendor setup in Paypal. For the month of XXXX and XXXX the payment was charged to the Paypal XXXX, which was authorized. But for the month of XXXX, PayPal charged my Checking account instead of Paypal XXXX. 

I tried calling paypal to find out why the payment method was changed, and they claim that the payment was denied by the Paypal XXXX. However, Paypal XXXX claims that they do not see any purchase attempt or denial. 

I tried calling Paypal multiple times and was transferred back and forth between Paypal and Paypal XXXX services. Paypal did not provided me why the authorized payment method was changed from Paypal XXXX to Checking account on a recurring purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Goal Structured Solutions, LLC
State: OK

Complaint narrative:
On XX/XX/2023, my partner received an email to her email account from " XXXX XXXX, '' but the email was addressed to me. 
Email : From : Launch Servicing XXXX Date : Fri, XX/XX/2023 at XXXX XXXX  Subject : New Document from Launch Servicing  To : XXXX XXXX XXXX 's email address*****> Text : Dear XXXX XXXX There is an important document available for you from Launch Servicing , LLC for account number ending in ****. Please log in to your online account and select Manage Account, then Account Documents and Correspondence to view this important account communication. 

Please do not respond to this message. To respond, send a message from your online account or call us at ( XXXX ) XXXX. 

You are receiving this email because you signed up for electronic communication through Launch Servicing , LLC. If you would like to stop receiving email notifications and resume receiving paper copies of your account documents, you may change your delivery preferences once you are in your online account. 

Thank you, The Launch Servicing , LLC Customer Service Team ___________ I contacted my student loan service provider to ask about " Launch Servicing '' at XXXX on Wednesday, XX/XX/2023. They said they do not work with any 3rd party servicer. 

I checked the XXXX XXXX XXXX website XXXX XXXX XXXX XXXXXXXX XXXX  and " Launch Servicing '' is not listed as an official loan servicer for federal student loans. 

I looked at the XXXX XXXX XXXX and found a list of complaints of fraudulent accounts being set up without a person 's knowledge, and damage being done to credit scores. 

I believe that this is a fraudulent servicer, and that this correspondence was to set up a scam. The primary indicator is the wrong email-recipient pairing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: STATE BANK OF INDIA - NEW YORK BRANCH

Complaint narrative:
Hi sir/madam Am started to using SBI cashback credit card on XX/XX/XXXX Sales executive offer me 'The Cashback SBI Card has no application cost. But, beginning with the second year, you will be required to pay an annual/renewal cost of RsXXXX XXXX which is waived if you spend RsXXXX XXXX  lakh in the preceding year. so am applied. card deiliverd in XXXX 
Bill generated XX/XX/XXXX, am checking the statement its included annual fee XXXX, I have SBI delivered Envelopes, its inside Exclusive Benefits Letter Clearly Mentioned 'Renewal Fee of Rs. 999 + taxes is applicable from Second year onwards which can be reversed on reaching annual spends of RsXXXX XXXX lakh ' ( Referring image below attached ) I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
On XX/XX/3023, I discovered an inquiry on my XXXX consumer file from RADIUS GLOBAL SOLUTIONS. I have no account with them so this is an unauthorized inquiry on my consumer report. They have no permissible purpose to access my consumer file under the Fair Credit Reporting Act and the California Consumer Privacy Act. I have attached the inquiry section of my XXXX Credit report dated XX/XX/2023.

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 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I ordered a XXXX XXXX XXXX from American Express online and received it on XX/XX/2023. I made two initial deposits of {$15.00} and {$40.00} through electronic transfer from my checking account at another institution upon activating the prepaid card. The prepaid card account has been locked for no reason and the only explanation that I have received is call your financial institution. I am unable to access the prepaid account and use my money. I have submitted a dispute through my financial institution on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account has already been verified twice as inaccurate and previously deleted. Please remove this from my credit report in orderly manner. This is very frustrating and illegal that this reappeared on my credit report. 

Account : XXXX XXXX XXXX XXXX  ) - {$9000.00}

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 2023-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: OK

Complaint narrative:
On or about XX/XX/2023 Upstart sent me a offer for a new loan, then said use a different email, then said many other conflicting details. Eventually they denied this loan saying they could not identify me. I have a loan taken XXXX. I have never paid late, Upstart says I have paid XXXX of principal towards the XXXX original loan in 16 payments. yet they turn around and claim I owe XXXX, more than even the amount they have said I have paid towards the principal. Furthermore the total of my payments has been XXXX, the rate far exceeds the 35 % allowable interest rate for Oklahoma. When I contacted them on XX/XX/2023 they refused to respond. On XX/XX/2023 they responded via email saying they take my concerns seriously but OFFERED no resolution or even a hint of compromise or explanation. Compounding the problem, Upstart, after offering a second loan has sent some company they say they work with named Am One who hounds me to death about loans via calls and emails. I never asked for, nor authorized Upstart to have these people contact me ad nauseam. As of this date no resolve, or any actual viable response has come from Upstart.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: IL

Complaint narrative:
we informed XXXX XXXX this was a fraudulent account with no result, I sent information to the credit bureaus letting then know this was id, theft with no response. I sent a validation letter and keep getting verified with no explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
we informed XXXX XXXX this was a fraudulent account with no result, I sent information to the credit bureaus letting then know this was id, theft with no response. I sent a validation letter and keep getting verified with no explanation.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

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

Below are the negative account/accounts impacting my credit XXXX XXXX {$480.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$290.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$310.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$340.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$550.00} XX/XX/XXXXXXXX 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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. 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
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I signed a contract for Windows and Installation with Lowe 's Home Improvement. 

I signed a contract for 24 months NO INTEREST as long as minimum payments are made. 

The employee that completed the contract was ultimately terminated for fraudulent activities. 

I have made numerous attempts to resolve the promotional charge to Lowe 's Credit Card by Synchrony Bank. I have made numerous attempts to work with Lowes Home Improvement in XXXX NC. 

I have disputed the credit card charges due to the promotional charge not being correct in which I had over {$2000.00} in interest added to my account. I was told I was on a 6 month no-interest promotion for which the promotion had expired and could not be changed. 

I complained that the sudden interest from the wrong promotion has put me over my credit limit and is damaging my credit report. 

Synchrony Bank increased my credit limit while my account was passed-due in dispute to cover up this " mistake '' and now my credit report has recently dropped XXXX points.

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 2023-07-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: TX

Complaint narrative:
XXXXnot a duplicate* Dear US Bank XXXX I am writing to address an issue regarding the {$500.00} bonus that I was going to receive upon signing up for a business checking account with your institution. Unfortunately, it appears that the promised bonus has not been credited to my account. During a conversation with XXXX on XX/XX/XXXX regarding my US Bank Silver Business Checking account, she assured me that the {$500.00} bonus would be forthcoming. On XX/XX/XXXX, I funded my account with an amount of {$3000.00}. Subsequently, I encountered a situation where the agent failed to provide proper assistance in setting up paperless statements, resulting in a {$6.00} fee waiver. However, through a co-browsing session in XXXX, I independently discovered the requirement to enroll in paperless statements using my mobile device. I promptly completed the sign-up process, but the {$500.00} promotion did not appear in my account. I understand that oversights can happen, and I genuinely believe this issue can be resolved amicably. Therefore, I kindly ask for your help in rectifying this situation by applying the {$500.00} bonus to my account, as originally promised. For reference, the last four digits of my account number related to this matter are XXXX. I appreciate your prompt attention to this matter and look forward to a resolution. Please feel free to contact me at your earliest convenience.

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 2023-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Home Headquarters Inc
State: NY

Complaint narrative:
My Mortgage ( since XX/XX/XXXX ) is with Home Headquarters Inc. 
XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX They have not been reporting my mortgage and payment history for the length of my mortgage. 
When I call and email them, they state that they have been reporting it since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: IL

Complaint narrative:
we informed XXXX XXXX  this was a fraudulent account with no result, I sent information to the credit bureaus letting then know this was id, theft with no response. I sent a validation letter and keep getting verified with no explanation.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : DEPT OF EDUCATIONXXXX ACCOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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