vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Paypal Holdings, Inc
State: MA

Complaint narrative:
Dear Sir/Madam, I am writing to formally request your assistance with a matter concerning a fraudulent transaction that occurred on my PayPal account in 2019. The transaction in question was initiated by XXXX XXXX, and despite my efforts to dispute the transaction through PayPal, they have denied my dispute and are now attempting to send me to collections. 

On around XX/XX/2019, I noticed an unauthorized charge on my PayPal account for {$300.00}. I immediately reported the transaction as fraudulent and initiated a dispute with PayPal. Despite providing all the necessary documentation and evidence to support my claim, PayPal denied my dispute, citing insufficient evidence of fraud. 

Since then, I have attempted to resolve the issue by contacting XXXX XXXX and providing them with the same documentation, but they have been unresponsive and uncooperative. As a result, the unpaid balance remains on my account, and PayPal is now threatening to send me to collections. 

As a consumer, I have made every effort to resolve this issue directly with both PayPal and XXXX XXXX, but my attempts have been met with resistance and denial. I am requesting the intervention of the Consumer Financial Protection Bureau to help me resolve this matter, as I firmly believe that I am not responsible for this fraudulent transaction and should not be held liable for the associated charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: PA

Complaint narrative:
In late XXXX, State Farm XXXX XXXX transferred my and my husband 's joint CD, as well as each of our individual Traditional IRA CDs to US Bank. Prior to this transfer, we received quarterly communications from State Farm and had a local person to speak with about issues. After the transfer, US Bank sent us virtually no communication on balances, renewal dates, or interest rates. There is no branch within XXXX miles of my home, so we could not visit them in person for this information. The only thing that we saw regularly ( annually ) was our IRA required minimum distributions. When I finally had my daughter help me gain online access to these US Bank accounts ( I'm XXXX XXXX XXXX and not computer literate ), I saw that my IRA CD had been renewed in XXXX at a 0.05 % interest rate with no communication of that renewal whatsoever. 

My husband has been in a XXXXXXXX XXXX since XX/XX/XXXX, and I have very limited financial resources given the bills I am paying for his care. My IRA, valued at approximately {$36000.00}, is one of the few assets I still have. However, given the paltry interest rate I was receiving from US Bank, I transferred the IRA to a financial institution closer to home so that I could better manage it and get a better interest rate. I was appalled to see that when the transfer occurred, the balance was reduced by over 3 %. I called US Bank twice to understand why. The first time, XX/XX/XXXX, I was not given much information other than that it was a fee they charged for transfers outside of the renewal period. I asked to speak with a manager. He - XXXX XXXX- was not available but I was promised he would call me back within 24 hours. I still had not received a return call as of today, XX/XX/XXXX, so I called US Bank again. All I was told is that the 3 % fee is not able to be waived and that they would log feedback for XXXX XXXX since he did not call me back. I can understand losing a few months interest, but losing 3 % of the entire balance with zero communication from US Bank about their fee / penalty structure is outrageous. For an older person with limited means, it's robbery with no warning.

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 2023-03-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC
State: FL

Complaint narrative:
Acra Lending has created issues with the closing of my residence XXXX XXXX XXXX XXXX XXXX Fl XXXX since I first started working with them to purchase the home. They first did not abide by closing date and changed terms a few days before closing, knowing I had {$80000.00} in deposit that I would lose. The loan XXXX and terms and points changed before effective date. This left me with very little cash on hand for the construction on the home, based on the draw requests work must be paid for and completed before draws take place to obtain funds to pay for repairs/remodeling. They held funds multiple times due to inspection delays and due to the work not being completed according to their guidelines causing several delays in the construction process. Once all draws permitted ( 8 ) which they were not flexible extending were completed the home was listed for sale on XX/XX/XXXX. The loan maturity date is XX/XX/XXXX. The home did not sell and I lowered the price three times due to pressures from the lender on repayment. I asked for Acra Lending to provide an extension and they denied it, based on the note default rate would be 20 %. I asked to extend with points and fees and received threats of primitive foreclosure and harassment from the company. I had a contract on the home at the time that I shared when I requested extension and sent this to them and they still threatened with foreclosure. I had to refinance with another lender for just 45 days from my maturity to loan closing date and paid {$98000.00} in total fees. Their lack of transparency and willingness to work with the consumer cost me hundreds of thousands and almost put me out of a place to live and my entire life savings. This company is taking advantage of personal information provided on sales contracts to coerce buyers into higher rate and terms, and attempting to foreclose companies/clients that have not even missed a payment with the purpose of taking their asset.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: LEXISNEXIS
State: TX

Complaint narrative:
LexisNexis recently closed Complaint # XXXX indicating that they removed all unverifiable information from my consumer report, however upon reviewing my uploaded consumer report all the items LexisNexis indicated was unverifiable and removed still existed with different variations of some information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently found out i had some fraudulent accounts on my credit report. i contacted the police dept as instructed by the bureaus. then i sent them proof, but they still wouldn't take these accounts of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a XXXX XXXX credit card in XXXX. All the information I gave was correct. I never received the card. Citi bank started calling about the account. I got an email from them that said I had an outstanding debt. I called them and spent over an hour explaining I never received the card. The card they had listed had my divorced name which I haven't used in 28 years! I told them this. I was transferred to their fraud dept., then to their security dept. and 2 more departments. Each time I explained I never received the card, the last name they had wasn't my legal name, and if I didn't have a card how could I incur a debt? 
They call me 3-5 times a day everyday to go online, put in my account number, to remedy the debt! I don't have a card, an account number, or the name they have listed. This is harassment and I please want it to stop. Please help me. 

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 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Privacy and account information compromised.

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 2023-03-28 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
A person claiming to be with Ally Financial, who currently holds the loan on my XXXX  XXXX XXXX, has been calling me at my work despite being repeatedly told to stop calling me at this number. The debt in question is not delinquent and is paid current. The number appears in the phone system as " XXXX Number '' but the actual number calling in is ( XXXX ) XXXX. A simple XXXX search shows that others have dealt with this as well.

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 2023-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
Beginning or about XXXX of 2022, Progressive Management Systems received three medical debt accounts with balances less than {$500.00} each. Progressive Management Systems did not wait the required 12 mos prior to reporting the medical debt to credit bureaus. Further, Progressive Management Systems combined balances from different dates of service for the purposes of reporting debt that is not yet eligible for reporting, and for reporting debt that does not meet the greater than {$500.00} threshold for reporting. This was done to damage credit in an effort to coerce payment of low balance medical debt. This agency has failed to respond to requests for removal of the prematurely reported balances and continues to report one large balance instead of the individual accounts that they received with balances that resulted from different dates of service. They are abusing loopholes in the law and have failed to substantiate the debt amounts despite requests to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: MI

Complaint narrative:
I was notified by Americollect that I owe XXXX dollars. When I asked for proof, they gave me no proof of me actually owing the debt. Instead they attempted to get me to give them info to " confirm the debt '' I would not, they have contacted me too many times without giving me information that confirms my debt. They are not licensed to collect in my state, they therefore have no right to even collect the alleged debt that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: TX

Complaint narrative:
At this point I am being completely taken advantage of as a consumer. My accounts have been able to be deleted from XXXX due to inaccurate reporting and other errors on their behalf but Experian and XXXX refuse to correct their mistakes and remove the items. It is against to law for them to report inaccurately on my behalf and for them to all be reporting information that does not align with each other this is ridiculous and holding me back from moving forward in my life and business deals. I am suffering because of their disrespect for consumer law! The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. These are the accounts XXXX XXXX  : XXXX Past due balance reporting incorrectly under XXXX XXXX guidelines. 
XXXX XXXX  : XXXX Past due balance reporting incorrectly under XXXX XXXX guidelines. 
XXXX XXXX  : XXXX Past due balance reporting incorrectly under XXXX XXXX guidelines. 
This is a violation of the FCRA 15 U.S. C 1681i and is also in violation of requisite METRO 2 Compliant reporting Standards.

According to the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) I have the right to a fair and accurate credit report, and you are required to promptly delete, and remove any information that is not true, accurate, and verifiable.

Someone needs to hold them accountable for this. The accounts reporting inaccurately need to be deleted immediately this process has taken too long!

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 2023-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Between XXXX and XXXX Called to get payoff wasnt what I expected

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 2023-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 States I have the rights 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 mt written instructions.

15 U.S.C 1666B : A creditor may not treat a payment an a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-03-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 Section 602 States I have the rights 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 mt written instructions.

15 U.S.C 1666B : A creditor may not treat a payment an a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
About a week ago I saw my credit score had reduced. XXXX shows this hard inquiry fromSynchrony Bank, who service some types of Amazon credit cards : Name : SYNCBAMAZON Requested on : XX/XX/2023 Location : XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type : Individual I haven't requested credit cards in years, and have not made any new requests. I didn't make this one. I called Synchrony Bank, who confirmed that they have NO data at all for my name, phone number, or SSN, and have nothing that can confirm I ever made a request. They declined to provide any written confirmation of this fact. 

I then called XXXX, who claims that is impossible, and that if the hard inquiry exists, it was from Synchrony Banks systems. The rep straight-up said Synchrony Bank is lying about this. This alone puts it well out of anything I could deal with myself. 

I even got an email, supposedly from Synchrony, about the " status '' of my " request ''. It was this that made me call them, and they said no such request exists. Yet there is the hard inquiry, which XXXX says absolutely did come from them. Here 's the main part of that email : -- -- -- -- -- -- -- -- -- -- -- -- -- Your AMAZON STORECARD online credit request. 


Hi XXXX, Thank you for your recent AMAZON STORECARD credit request. Please click the link below to view our response to your credit request via our secure site. 
View Details Reference Number : XXXX AMAZON STORECARD Credit Services -- -- -- -- -- -- -- -- -- -- None of this could be verified in my call to Synchrony bank. They insisted there is absolutely nothing in systems about this.Again, XXXX says that if there's a hard inquire from them, then they DID make it, and they should have records.

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 2023-03-29 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewedit. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate theseaccounts ( A ). It is not permissible to fail to validate these reporting accounts as unverifiedinformation without providing any proof within the time frame specified by law. My creditreport includes the following erroneous information that needs to be investigated andcorrected : XXXX XXXX Balance : {$8.00}, XXXX Balance : {$35.00}XXXX XXXX XXXX XXXX Balance : {$5000.00}, XXXX XXXX XXXX Balance : {$51000.00}, XXXX XXXX XXXX XXXX Balance : {$5700.00}, ATTYGENERL XXXX Balance : {$2200.00}

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 2023-03-28 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: NC

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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2023-03-28 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: TX

Complaint narrative:
Ive submitted complaints XXXX and XXXX on XX/XX/XXXX for Acct. # XXXX that is with XXXX The results from both complaints were verified. In the complaints i stated Equifax is reporting XX/XX/XXXX for date of last activity while XXXX is reporting XX/XX/XXXX. This is over half a year difference. I pulled my credit report XX/XX/XXXX and the same information is reporting. Id like to know how is the account verified when the facts are directly from my credit report??? Ive pointed out the inaccuracy, gave the company an opportunity to cure by deleting the account and the company refuses to do so while falsifying information in the company response. I demand the account be deleted due to the reporting of inaccurate information and given I have been denied an extension of credit due to this account which has caused my family severe harm, I demand a monetary settlement of XXXX dollars under 15 U.S. Code 1681n - Civil liability for willful noncompliance. Ill provide documentation how both XXXX and Equifax verified the accounts and how thats impossible given my credit report still reflects the inaccurate information stated above.

Company response to consumer: Closed with explanation