vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 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: NV

Complaint narrative:
Account number XXXX with XXXX XXXX XXXX XXXX is reporting as a charge-off on my consumer report. Per the 2021 IRS publication, any cancellation of debt over {$600.00} must be reported as gross income gained in the year that the event occurred. Income should not be reported on a consumer report. I have yet to be sent a 1099-C form for the cancellation of the debt. Delete this account from reports immediately as it is no longer considered debt, it is considered income.

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 2022-09-02 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: NY

Complaint narrative:
The credit bureaus ( equifax, XXXX, XXXX ) were notified and were given a chance to verify and correct bankruptcy information in my credit report. They responded that the information was provided by XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and was given a report that had no information regarding any bankruptcy. I sent the credit bureaus a copy of the report showing that there was no bankruptcy on my file and they still haven't changed this information. I provided the documentation sent and the updated consumer report for someone to follow up. Please have someone manually review my file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: FL

Complaint narrative:
I have asked XXXX XXXX XXXX to validate a debt they allege that I owe, as it is my right to do so under 15 USC 1692 GXXXX XXXX XXXX has refused to provide the supporting documentation needed for me to properly review the alleged debt. I also have requested they provide me with my wet ink signature on a document that gave them permission to report this information to my consumer report and they have refused to do so at each request which is a direct violation of my privacy as a consumer under 15 USC 1681. They did NOT exercise their grave responsibility, they have been unfair, and were patrial in the matter under 15 USC 1681 a 4.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: Lendmark Financial Services
State: NC

Complaint narrative:
I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
For over 2 years I have been using Venmo services to send and receive money. My personal account is @ XXXX. And on XX/XX/2022 I decided to open a Business account too. The XXXX XXXX  account has been created. But along with that, Venmo automatically created another personal account for me ( @ XXXX ) without my asking. This caused a big problem. I started to have 2 simultaneous personal accounts, which the system characterized as fraud. As a result, my main account @ XXXX was frozen on XX/XX/XXXX. And I'm still today, 16 days later, trying to solve this problem and I can't! On the same day I received an email asking to upload my ID, and that my account would be unfrozen within 3 days. I did and nothing was done. I can't move my money and this has caused me a huge problem! I have already called support 3 times and opened 2 tickets. All they do is apologize and ask me to wait. " Sorry '' doesn't solve my problem! I don't want " excuses '', I want the solution! THEY caused the problem when they opened, I don't know why, a new personal account for me. This has been extremely frustrating and I no longer have the patience to wait. I need a solution and your help as it is being impossible to solve through Venmo Support channels. I want my @ XXXX account unfrozen so I can move MY money. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have been trying to change my name since I divorced in 2018. I have provided my decree with restoration of name. I have waited for a particular firm to be sent via us mail and not received it on multiple occasions. They refuse to send via any traceable means. I was instructed to go to a branch and the branch was not allowed to download the form for me. I filed and executive complaint as did the branch on my behalf and was told to wait for the form and this is all they can do. 

I have been with this bank for approximately 40 years and want to go back to my maiden name in which the account was initially established.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
Today, XX/XX/XXXX, I received an email from my bank that something had gone to collections. I am unaware of any bills I have not paid, so I filed a report about it. Then, this evening, I received this email from XXXX : Dear Valued Customer, At XXXX, security is a top priority. We are reaching out to inform you that XXXX recently discovered a cybersecurity incident that affected some of your information. 

In late XX/XX/XXXX, an unauthorized third party acquired information from some of XXXX 's U.S. systems. On or around XX/XX/XXXX, we determined through our ongoing investigation that personal information of certain customers was affected. 

We have taken actions to secure the affected systems, and have engaged a leading outside cybersecurity firm and are coordinating with law enforcement. We want to assure our customers that the issue did not impact Social Security numbers or credit and debit card numbers, but in some cases, may have affected information such as name, contact and demographic information, date of birth, and product registration information. The information affected for each relevant customer may vary. 

At XXXX, we value the trust our customers place in our products and services trust that we have built up over many years. By working with industry leading experts, we will further enhance the security of our systems and your personal information and work to maintain the trust you have put into the XXXX brand for more than 40 years. 

We regret any inconvenience this may cause you and appreciate your trust in us. We have set up an FAQ page on our website for additional questions and answers along with recommended actions. 

If you'd like to check your credit report, you are entitled under U.S. law to one free credit report annually from each of the three major nationwide credit reporting agencies. More information can be found below. 

If you have any questions regarding this issue, please visit our website at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My social security information was exposed. These three accounts are not mines : XXXX, XXXX, and XXXX. I have attached documents that show I have a new license number and two reports that show where my information was exposed. Someone used my information to oprn these accounts.

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 2022-09-02 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My social security information was exposed. These three accounts are not mines : XXXX, XXXX, and XXXX. I have attached documents that show I have a new license number and two reports that show where my information was exposed. Someone used my information to oprn these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2022 I received in the mail a new PenFed Debit Visa Card that I never applied for and do not want. I called the number on the back of the card and was asked for my DOB and SSN at which time I hung up. I then went to the internet and found the PenFed website and reached out to their customer service. I was informed that there was no account associated with the card number and expiration date I provided. The card looks very real and even has a hologram and chip.

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 2022-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MA

Complaint narrative:
I have called twice on XX/XX/XXXX and XX/XX/XXXX to EdFinancial in regards to requesting a refund for all student loan payments I have made during Covid or XX/XX/XXXX. First call after requesting a refund and providing dates and amounts, I was told it was going to take up to 5 months to process. I thought okay, maybe there's just so many people requesting it. Later that day, a few friends of mine with different servicers stated they were quoted 30-45 days to process. I decided to call EdFinanciaXXXX again next day. I requested a refund once again, but the CSR didn't even mention my previous refund request from the day before. This made me highly skeptical that my refund request was even placed. The 2nd CSR did not ask for dates or amounts of my payments. She only told me it will take 150 business days to process. I asked if I could get some sort of confirmation letter or email. Nope, I was told I have to trust her that she will submit the refund request. Because of the fact she didn't not even mention anything about the first refund request being submitted already, I'm worried my request is just being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
The Moneygram company canceled a transfer and did not return the money, they say it will take many days to give me an answer. 
Financial institution : XXXX transfer # XXXX My name : XXXX XXXX ID : XXXX, California Address : XXXX XXXX XXXX XXXX CA XXXX email : XXXX Phone : XXXX Note : This company keeps people 's money for many days and until many claims are made, calls, until then they program it to return them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: Fidelity Properties Inc.
State: OH

Complaint narrative:
Credit reporting dates are absolutely wrong on my credit report Date last active and the date last reported are 2 different dates and that means its a violation and in my legal rights I can take legal action this is why Im making a complaint for inaccurate items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: SC

Complaint narrative:
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 : Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report. Please remove Inaccurate from all three Credit Reporting company. 

{ Inquiry Creditor Name, Inquiry Date ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX CARDS XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Reporters XX/XX/XXXX Experian XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand that under 15 U.S.C. Sec.16811 ( a ). You must complete this this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notices of the corrections to anyone who received my credit report in the past six months.

Thank you for your time and helping this matter.

Sincerely

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 2022-09-02 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: NY

Complaint narrative:
EQUIFAX CLAIMS ON HIS PLATFORM TO BE A FAIR CREDIT REPORTING AGENCY FOR CONSUMERS HOWEVER IN DEALING WITH THE AGENCY ON XX/XX/2022 ABOUT A LACK OF UPDATE ABOUT XXXX VEHICLE LOAN I TOOK WITH XXXX XXXX AND PAID IT OFF ON XX/XX/2022 BOTH XXXX XXXX AND EQUIFAX STILL NOT ACCURATELY REPORTING THAT THE ACCOUNT IS PAID OFF AND CLOSE ..EQUIFAX STILL MAINTAINED THAT THE ACCOUNT STILL HAS ABOUT {$1000.00} TO BE PAID EVEN AFTER I SUBMITTED A DISPUTE ( MEANT FOR CONSUMERS TO HAVE A SAY ON THE STATUS OF THEY CREDIT HISTORY ) TO DOCUMENT THAT THE ACCOUNT IS NOT ACCURATELY REPORTED TO- DATE.THE REASON OF MY COMPLAINT AGAINST EQUIFAX IS THAT THEY RENDER THE DISPUTE PROCESS FOR CONSUMERS SO DIFFICULT ( YOU SYSTEM SET UP TO UPLOAD DOCUMENT FOR EVIDENCE NEVER ACCEPT FILE TO BACK UP ONE 'S CLAIM, AND EQUIFAX OPERATE BASED ON CORPORATE ANECDOTE THROUGH THEM NOT ALLOWING CONSUMERS EVIDENCIARY DOCUMENT EVEN THE ONE PROVIDED BY THE COMPANY THE DISPUTE IS AGAINST, AND IN MY CASE THE DISCHARGE LIEN DOCUMENT PROVIDED BY XXXX XXXX AND THE STATEMENT LETTER THAT THE ACCOUNT PROVIDED TO IS PAID IN FULL ) WHILE MAINTAINING THE SIDE OF ARGUMENT FROM CORPORATE AGENCIES .THIS DISPUTE PROCESS WAS NOT DIFFICULT THRU XXXX AND XXXX SO SIMPLE THAT AN OLD PERSON CAN DISPUTE WITH NO ISSUES.HOWEVER EQUIFAX TECHS IS NOT CONSUMER FRIENDLY OR LEAST INEXPENSIVE ( TIME, MONEY, SPEED ) TO CONSUMERS BUT HIGHLY INEXPENSIVE TO CORPORATE ENTITY THUS NOT FAIR IN TREATMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lendmark Financial Services
State: FL

Complaint narrative:
Lendmark Financial Services has not provided me with and document with my wet signature giving them permission to report ANY information to my consumer report. I, XXXX XXXX am enforcing my rights to privacy as a consumer under 15 USC 6803 a 1. They did NOT exercise their grave responsibility, they have been unfair, and were partial in the matter under 15 USC 1681 a 4

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells fargo bank close my account did not want sent money is back to me. wait for 6 months after letter wells fargo bank send in XX/XX/2022 now XX/XX/2022 well fargo bank still hold my money did not want sent to me amount {$2100.00}.

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 2022-09-02 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: American Cycle Finance, Inc.
State: NY

Complaint narrative:
Hard inquiry on my XXXX  report from XXXX XXXX XXXX  ) XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: MI

Complaint narrative:
To Whomever Concerned Please Please understand that XXXX has misused my consumer credit report in multiple ways without any consent. Causing a deformation of my character, in which Im denied credit by multiple companies. XXXX  claim an account using my personal information was opened online. In XX/XX/XXXX XXXX claimed the account went into negative causing them to add a derogatory mark on my credit report per in XXXX in which doesnt makes sense. In without my permission. Upon further research, on XX/XX/XXXX I asked the company XXXX in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. After the 30 days I than demanded for this account to be removed from my credit report, due to the that XXXX  has sold this debt to a collection agency by the name of XXXX XXXX XXXX XXXX  XXXX. Again without any permissible purpose. XXXX- continues to tell lies and refuses to remove the account they can not verify. XXXX XXXXXXXX XXXX XXXX IS CLAIMING THAT XXXX  HAS SOLD THE DEBT TO THEM. IN WHICH IS ON MY CREDIT REPORT AT THE MOMENT XXXX  IS IN Violation of MY RIGHTS AND BROKE MULTIPLE laws. THEY HAVE SOLD THE DEBT TO ONE COMPANY AS ANOTHER COMPANY CLAIMING THEY HAVE SOLD TO THEM. THIS ACCOUNT NEEDS TO BE PERMANENTLY MOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I applied and received American Express credit card in XX/XX/2022. The promotional offer on card was 0 % interest for 15 months. As soon as I received card, I called customer service and confirmed that I had interest free card for 15 months. The representative confirmed that I did, but when I checked my statements after couple of months, I found out that I was being charged interest rate. I called in XX/XX/XXXX to discuss this matter but I was told that my card offer was declined. Amex never informed me about it by email, paper mail or phone and infact, they continued to assert that my card did not have promotional offer. I filed the official complain and I was asked to wait for 4-6 weeks. I called again in end of XXXX but I was told to wait for couple of days. I called again on XXXX XXXX and I was told to wait for 2 more weeks and the issue is not yet addressed. 

There are three facts of this complain : 1. I was offered a promotional offer of 0 % interest and was confirmed by AMEX on phone.

2. I was told my offer was declined later, but I was not informed about it.

3. Amex continued to charge interest for three months until I found out about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: CA

Complaint narrative:
XXXX acct XXXX this account was opened in XXXX  but shows up on my credit report as balance updated XX/XX/XXXX XXXX this account should be shown as closed and no late payments should appear in my recent late payment status. because this account still shows late payments and it still hurts my credit now. i believe that the account is closed and no late payments should affect me now. please remove from my 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