vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I sent this company a settlement letter and they agreed to the terms and condition by cashing the cashiers check. Now they will not remove the items off my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it reflect in my credit report that can harm my credit credentials. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX/ {$930.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX / {$610.00} / XX/XX/XXXX XXXX XXXX XXXX {$760.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$1200.00} / XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WY

Complaint narrative:
PayPal has held our Money multiple times starting from XXXX XXXX, 2022. Unfortunately do to this we have suffered financial hardship. We are indeed a new business PayPal holding our funds has negatively impacted our business.this past Thursday we spoke to XXXX a supervisor with PayPal. This supervisor lifted the restrictions after seeing that we had provided everything that was requested of us. Not even 3 days went by before another restriction was placed making it impossible for us to receive our funds. PayPal is very much aware of the nature of our business as we receive multiple payout from XXXX. We also have business coaching program and products we help get people started in XXXX as well. Our business has grown. It seems as if we are being punished for the growth. I just called in this morning and spoke with XXXX regarding the newest restriction. The case ID # XXXX XXXX XXXX we need access to our funds ASAP. Please make this right

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it reflect in my credit report that can harm my credit credentials. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  / {$4100.00} / XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX / {$3900.00} / XX/XX/2022 XXXX XXXX XXXX  {$2100.00} / XX/XX/2022 XXXX XXXX XXXX {$760.00} / XX/XX/202XXXX XXXX XXXX XXXX  {$1200.00} / XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
In XXXX of XXXX, I reviewed the new waiver for the XXXX XXXX XXXX XXXX program. Part of this new waiver stated the following : " If you have XXXX XXXX XXXX XXXX ( XXXX ) Program loans, Federal XXXX Loans, or other types of federal student loans that are not Direct Loans ( e.g., those from older loan programs, such as Federally Insured Student Loans [ FISL ] or National Defense Student Loans [ NDSL ] ), you must consolidate those loans into the Direct Loan program by XXXX XXXX, XXXX. '' ( XXXX XXXX XXXX ) In XXXX of XXXX, of my XXXX loans, XXXX of which were consolidated years previous when I switched loan servicers, were forgiven as a result of the waiver. 

However, I have since learned that had I consolidated all of my loans together, the highest payment count would have been applied and my entire debt would have been forgiven. 

As of today, XX/XX/XXXX, XXXX now has addressed this specific situation in the " Question and Answer '' section of their site. This information was not available in the fall and has been continually updated as the DOE and XXXX servicers continue to work through this process. The initial reference to their Q/A portion of the DOE website was first announced on XX/XX/XXXX ( reference attached ). 

Regardless, I and countless others were misled into thinking Direct loans did not need to be consolidated. This lack of clarity is on the DOE and student loan borrowers such as myself should not be a victim of it. 

*Attached are all of my records of emails and complaints filed with the DOE and FedLoan as well as their responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian credit company reported incorrect negative information about my credit to XXXX XXXX when I applied for an XXXX credit card, causing XXXX to deny my application for a card. 

Early XXXX, 2022 : I Apply for XXXX credit card XX/XX/2022 : XXXX denies credit card citing negative report from Experian due to negative comment from XXXX XXXX XXXX XXXX Approx XX/XX/2022 : I Call both XXXX and Experian and complain that my credit file DOES NOT contain any negative info, and I have never done business with XXXX XXXX XXXX XXXX I report that someone has made a serious error. All my entreaties to both companies to correct the misinformation are ignored. 
XX/XX/2022 : I write to both Experian ( via letter ) and XXXX ( via email ) repeating my claim that the negative reporting about me is incorrect. XXXX ignores my email, Experian sends me a copy of my outstanding credit report ( XXXX + ) and ignores my request to fix the error in their reporting. 
XX/XX/2022 : I send 2nd letter to Experian ( copy attached ) demanding that they correct the misinformation that they have reported about me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: NCP Holdings, L.P.
State: TX

Complaint narrative:
I WAS SOLICITED BY QUICK CREDIT CONNECT VIA US MAIL WITH A PREAPPROVED CHECK IN THE AMOUNT OF {$2600.00} IN XXXX OF XXXX WITH THE UNDERSTANDING THAT THIS WAS AN INSTALLMENT AGREEMENT. I MADE MY FIRST PAYMENT OF {$210.00} ON XX/XX/XXXX. XXXX XXXX XXXX IN TURN CONTINUED TO DEBIT MY ACCOUNT EVERY XXXX FOR {$210.00} AND THAT WAS NOT OUR AGREEMENT INITIALLY!!! ACCORDING TO THE ORIGINAL DOCUMENT. THE PAPERWORK, UPON FURTHER REVIEW IS NOT AT ALL WHAT WAS ORIGINALLY MAILED TO ME. ( SOMETHING IS ROTTEN IN XXXX ) THIS COMPANY APPEARS TO BE SWINDLING CONSUMERS WITH WHAT APPEARS TO BE A BAIT AND SWITCH TACTIC IN MY OPINION!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 2288984 Ontario Inc.
State: LA

Complaint narrative:
I have submitted several disputes about the XXXX Money Key line of credit which should have never been reported to credit bureau XXXX there was never a 30 day missed payment, the loan amount inaccurate, payment % inaccurate, account never been updated since XXXX XXXX showing incorrect information as if no payments were made on account. This information Should not be on account if company is not going to accurately report information consistently. No one at the company is reporting this matter correctly or trying to fix their error. Which shoes I owe an amount that is inaccurate. Refuse to take off credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have an LL Bean XXXX with Citibank. Back in XXXX they sent a notice in the mail that you could earn $ XXXX for the 3 months of XXXX, XXXX and XXXX if you spent a certain amount ( say {$200.00} ) on groceries each month. I promptly activated the offer and more than fulfilled my purchase requirement each month to earn the {$25.00} in Bean Bucks or {$75.00} TOTAL. When I called in XXXX to ask when I would see my XXXX Bucks applied to my account they said it could take XXXX billing cycles. Well that has not happened and I have called XXXX times now to discuss with a rep or even team leaders and no one can give me an answer as to why my Bean bucks have not been applied. I just got off the phone this a.m. ( XX/XX/22 ) with another supv. ( XXXX- # XXXX in XXXX XXXX ) and was told someone would get back to me. That is the XXXX time now I have heard that. I do not know where to turn to get this resolved and get my earned bean Bucks credited to my account. Please HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF THE WEST
State: AZ

Complaint narrative:
I applied for credit on XX/XX/XXXXXXXX  to buy an RV from Bank of the west/ Essex XXXX  . I had recently purchased a new home in XXXX on XXXX to which my brother and I pay half the mortgage. My loan was denied I called many days Ina row and left many voicemails for the person who was supposed to be my loan officer and never got any response on why it was denied. I also sent many emails that went unanswered as to the denial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Razor Capital, LLC
State: MI

Complaint narrative:
I just received a random Garnishment on my new personal bank account. 
I did research and found out it's from a debt im unaware from XXXX ( XXXX XXXX XXXX ). 
The debt was garnished by a company named XXXX XXXX XXXX Razor Capitol . 

I have no knowledge of this debt which is from 2009 when I was XXXX XXXX  of age with no apt/home in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Someone stole {$13000.00} out of my Chase checking account. I live in XXXX, and during a period of 2 days, there were several ATM transactions that wiped out my money. 

XX/XX/XXXX : 3 ATM transactions in XXXX XXXX ( a 8-hour drive from me ) : {$3000.00} {$500.00} {$500.00} One non-Chase ATM fee for {$2.00} XX/XX/XXXX : XXXX XXXX withdrawal in XXXX, CA ( 8-hour drive from me ) : {$2500.00} Non-ATM cash fee : {$75.00} ATM withdrawals : {$500.00} {$2500.00} Non-Chase ATM fees : {$2.00} {$2.00} {$2.00} {$2.00} {$2.00} XX/XX/XXXX : ATM withdrawals in XXXX XXXX ( 8-hour drive from me ) : {$3000.00} {$500.00} I contacted Chase on XX/XX/XXXX and notified them that I had not authorized those transactions, that I had the ATM card in my possession. I rarely used this card, and the last time this card was used was midXXXX at XXXX. I live 8 hours away from where transactions took place, and I was home during this entire time. My PIN number is not written on my card and I still have it. 

I received notice from Chase that my claim is denied because the transaction was authorized. The letter said I can call Chase " to request the information used for our research ''. I called Chase customer service and was told that the pin that was used was mine, there were no repeat attempts to pull the money, and that the money was taken out in my geographical area ( apparently Chase thinks that being within an 8-hour drive is the same geographical area ). The customer service rep said I can submit proof that I did not give my pin to anyone. When I requested the information they used in making the decision to be sent to me in writing, she said : " Your pin code was used. Do you want to write it down? '' She refused to send me any information in writing. 

I was in XXXX the entire time. I also have personal accounts with Chase, and I used my personal ATM card on XX/XX/XXXX in XXXX XXXX, CA. I couldn't have been in both XXXX and XXXX XXXX on the same day. 

Chase is refusing to take responsibility for a fraudulent withdrawal that wiped my money and refused to provide me with documentation, even exact locations of withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent this company a settlement letter and they agreed to the terms and condition by cashing the cashiers check. Now they will not remove the items off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
Hello I had previously submitted a compliant against Indigo/ Genesis FS Card Services regarding fees and interest in excess and their unwillingness to work with me. Since my last complaint filed I requested for them to no longer call me because I was receiving multiple calls from different numbers all the time and they knew my situation. I am currently the only one employed in my family and sole provider. I have not made a purchase on the credit card in years and the balance continues to go up because it was over the limit and behind. Due to Covid and family illness my Husband lost employment and we fell behind on several bills. The fees keep pushing the balance up and making it harder to pay them anything to stop the increase each month. They will not stop over limit fees or late fees if you do not pay at least the minimum payment. I can not afford even that. At this point I am trying to avoid a charge off hurting my credit even more so I continue to try and make small {$40.00} payments but this does nothing to help reduce the balance. 

Further more I received a letter from Genesis FS Card Services dated XX/XX/2022 and it states they will waive two late fees and they will discontinue further calls per my request. Since this date I have still received multiple phone calls voicemails. ( Number - XXXX ) While they are waiving two late fees, if they total the fees on this balance one would see most of what is owed is ALL fees. This is beyond abusive to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Capio Partners, LLC
State: PA

Complaint narrative:
A Collection Account was reported by Capio Partners without any notification of attempt to collect a debt. I have Medical Insurance & payment is done via copayment. So this is not fair at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My account and or card was compromised. Funds were fraudulently stolen from me. i opened a fraud claim with my bank TRUIST, they've credit my account of the missing funds. On few weeks later i receive a negative balance of XXXX. I am confused because i believe my bank failed to protect me as a consumer and my consumer rights werent protected. I cant afford to lose any funds in a dire time like this. At this time I would like TRUSIT to uphold its commitment to the Electronic Fund Transfer Act or ( REG E ). This federal law protects me as a consumer against such claims. Thankyou

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/2022 I received an email from Wells Fargo congratulating me on opening a new account which I hadn't. I then received a separate email verifying that my contact information had been changed which it had not been. I contacted Wells Fargo in which they terminated the account and opened a cyber security investigation into the 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 explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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