vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX I am writing to inform you that I am disputing the account being reported by your company on my credit reports due to potential inaccuracies and lack of completeness. I previously disputed this account with the credit reporting bureaus, but it was reported as verified and accurate. However, it is important to acknowledge that disputes are often handled using software, such as e-Oscar, which may lead to mistakes and limitations in conducting a thorough investigation of records. As the furnisher of information, I am directly disputing the following details with you and requesting that you conduct an investigation in accordance with the FCRA Section 623 as outlined under FACTA 312. This provision grants me the right to request a reasonable investigation of the information being reported to the credit bureaus. Should you be unable to perform a reasonable investigation or locate the necessary documents to address my dispute ( s ), the FCRA mandates that you remove the negative information from my credit reports. This may also entail the complete removal of the account. Moreover, in accordance with FCRA requirements, it is essential that this erroneous information is permanently blocked from any future re-reporting attempts by your company or any associated entities. If you have indeed conducted a proper investigation of the records for this account and have determined that the reported information is accurate and complete, kindly provide me with an explanation of the methods employed during the investigation and a detailed description of the records reviewed. I would appreciate receiving a copy of this information to conduct my independent investigation to verify the accuracy of your records and confirm the completion of a reasonable investigation. Additionally, I kindly request a copy of the 1099 that was issued. Please note that I have initiated this communication voluntarily, and any future correspondence regarding this dispute should be directed to the address provided above. This letter serves as an effort to rectify any false or misleading information currently being reported on my credit reports and to ensure the accuracy of your records. Thank you for your prompt attention to this matter. 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 non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX  XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on 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 explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX AND TRANSUNION REMOVED THE FOLLOWING ITEM FROM MY CREDIT REPORT IN RESPONSE TO AN FCRA VIOLATION I REPORTED. THEN, ON XX/XX/2023, XXXX AND TRANSUNION ADDED BACK THE ACCOUNT ONTO MY CREDIT REPORT WITHOUT NOTICE. THIS IS A SERIOUS VIOLATION OF MY RIGHTS UNDER THE FCRA. 

ABSOLUTELY, UNACCEPTABLE!

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 2023-10-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Installment loan. Late fees are extremely high and charge ON THE DATE PAYMENT IS DUE and not after. There is also no grace period to make payment without incurring a fee. Which is intentional. This product is essentially a buy now, pay later where if you pay off loan in predetermined time-frame there is no interest charged. It is clear that the intent of the product is to charge as many fees to the balance as possible ( Fees are {$40.00} ) so that they can run out the clock and begin to charge interest as ON TOP OF THE FEES. 
Predatory lending at its plainest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: VA

Complaint narrative:
On XX/XX/XXXX  I contacted Discover to inquire about my alleged scheduled payment of {$140.00} which should have been processed by my Financial Institution ( I didn't see any pending payments when reviewing my bank account which prompted the call to Discover ) The representative that I spoke with at Discover apprised me that I did not have an automatic payment set up nor did they see any pending payments, hence, I made an online payment for {$140.00} to avoid a late fee. Fast forward to XX/XX/XXXX  ; I went online and made a payment of {$140.00} to satisfy my XXXX payment. On XX/XX/XXXX  while reviewing my bank account to make certain the payment was processed I noticed there were 2 payments for {$140.00} so I contacted Discover and was informed that one payment was an automatic withdrawal which I did not authorize and the other I made online ( that also happened in XXXX but I did not catch it until the issue in XXXX ) I requested that one payment be refunded since it caused a financial hardship to me and I was told it would be processed. After checking back numerous times and being told it's processing I finally asked to speak with a supervisor to expedite the matter. On XX/XX/XXXX  a supervisor named XXXX ( no last name given ) advised me that I would not get the refund because my billing cycle started on the XXXX of XXXX and my next payment is due XX/XX/. Well this is XXXX XXXX and my initial request was before the new cycle started. I reached out to Discover to try and rectify the issue, however, the company 's representatives have been unfair, deceptive and abusive in their dealings. I would like to amicably resolve this issue and move forward. Thank you for the platform to convey my grievance. Caveat - be leary

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
They reported to credit bureau that I have an account in collections with them ( Wakefield and Associates XXXX ) from " XXXX XXXX XXXX '' in the amount of {$1700.00}. 
I called them when I found this on my credit report and they could not find an account in my name or with my social security number, so basically it did not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has not received written instruction to furnish a consumer report on my behalf in doing so Equifax is actively committing identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
U S Bank has now closed tree checking accounts of mine two personal accounts and one non- profit account endind in XXXX, XXXX  and a federal 501 ( c ) ( 3 ) ending XXXX. U S Bank is engaged in forcing the accounts closed by placing the in default then not allowing the accounts transferred to go positive. 
On XX/XX/23 Us Bank send messages to XXXXXXXX XXXX there was problems with my accounts so any money transfered to XXXX XXXX must be place on hold. XXXX XXXX then locked my account for the hold for one week..

US Bank paid an ACH of {$1400.00} then paid too the Cash reserve XXXX U S Dollars then closed it did the same to all the accounts mentioned in this complaint.

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 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/2023 at XXXX am, I stopped by this ATM at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to withdraw {$400.00} in cash on my Paypal debit card. The machine gave me a receipt and my card, but did not dispense any cash. On the receipt, it clearly states " Transaction Denied '', but I received an immediate notification from Paypal that the money had been debited from my account. I reported this immediately to Paypal and they opened up an investigation. I also called XXXX XXXX XXXX to report the malfunction, but was told that since I'm not a member of their bank, there wasn't anything they could or would do for me. They suggested I contact Paypal, which I had already done. Days later, Paypal made a temporary/provisional {$400.00} deposit, pending their investigation. Shortly thereafter, I received an email from Paypal telling me that XXXX provided logs of this failed transaction and they were satisfied with the verbal guarantee that the money was actually dispensed and the case was closed. I requested that the case be re-opened and that XXXX needed to provide an ATM log AND video of the transaction. Paypal re-opened the case, but immediately closed it, stating they were satisfied with the proof XXXX provided, although I have seen no proof at all and I have this little ATM receipt saying " Transaction Denied '', along with my Paypal log of the same transaction. I went to the XXXX location and asked to speak with a manager. Not only was I denied access to a manager, but they also declined to produce or provide ATM logs or ATM video of this transaction. After submitting a complaint to the XXXX, XXXX contacted the 3rd party ATM company and they both reviewed the ATM audio/video/logs of this transaction and, by their own admission in a letter to the BBB, found that the cash was NOT dispensed and their logs showed the discrepancy. They issued a refund to my card on XX/XX/XXXX, but that refund has not been credited to my PayPal account. I reached out to PayPal, but they insist they reviewed evidence to the contrary and are not only refusing to credit my account with this refund, but they have also deducted the original provisional credit amount of {$400.00} from my account, putting my account in the negative. When I asked the PayPal representative for the evidence they are referring to, he gave me an address and told me I have to request that information via a letter to their Billing Error Department, which I sent priority/signature confirmation through USPS. One of these banking establishments isn't being honest in this case, and since XXXX has responded with apologies and a refund, I can only surmise that PayPal is the culprit. How do I proceed from here? Please advise and help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-04 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: IL

Complaint narrative:
Hello, EdFinancial has failed to provide me with any written documentation concerning to my monthly statement for XX/XX/XXXX. I did not receive my monthly statement via email or XXXX ; it is not available on Edfinancial 's website. My payment due date was XX/XX/XXXX. The EdFinancial website states that borrowers will receive a statement XXXX ( XXXX ) days before the due date. I reached out on several times to obtain my statement, including a CFPB complaint on XX/XX/XXXX. I still have NOT received a statement from EDFinancial. 

Furthermore, my autopayment was scheduled to be transferred on XX/XX/XXXX in the amount of {$800.00}. This did not occur. The payment direction in my account settings directs : " Billing Direction : Bill me for my full monthly payment For your loans in Auto Pay, your Auto Pay payment will always be for the full Monthly Payment Amount, and will continue to be deducted monthly. '' I called EDfinancial to resolve this issue on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Wait times ranged from XXXX to XXXX minutes. I opted for a call back which I have NOT yet received. I also emailed EdFinancial and have not received a response. Foolishly, I believed that EdFinancial would do what it was supposed to regarding autopay so that my loans were paid. Instead, my monthly payment was not made, I continue to incur interest, and I can not contact ANYONE at EdFinancial to address the issue.

EdFinancial has been hiding behind " extremely high call volume and longer-than-normal wait times '' for months. This is no excuse to NOT following the laws ( Fair Debt Collection Practices Act ) when dealing with BORROWERS from whom they are attempting to collect a debt. Since EdFinancial has failed to provide me with anytype of monthly statement, I'm hereby requesting validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received a XXXX credit card in the mail that I never applied for. 

It was delivered to an address I am associated with through work, but I would never use that address for any reason of my own. Additionally, the address is missing the street number. I'm not sure how it was determined to send to the correct property that my colleague would bring it to me. 

The name on the card references my maiden name but it is spelled incorrectly. The company listed under my name is a company I have never heard of before. Additionally, the word " ghost '' is listed in the company name. 

This card is a XXXX  XXXX XXXX. 

I need this card removed from my records and for my reports to not be impacted by this.

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 2023-10-04 00:00:00
Product: 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: PA

Complaint narrative:
I received two AMEX gift cards as honoraria. I successfully used a portion of the first one once at XXXX 's online in early XXXX, but XXXX 's will no longer accept them. Every time I buy something online, I try to use these gift cards before using my personal credit cards and it never works. I honestly find I can't use these cards anywhere. 

These virtual cards are declined online everywhere ( from small merchants to XXXX to XXXX ). When I called and complained about this, I was told to print out the cards and take them to brick and mortar stores to use them, but no brick and mortar store will accept a card they can't swipe. I asked for physical cards to replace the virtual cards and was told that they could not be offered. I can not use the cards in XXXX wallet, at XXXX, at XXXX -- no one will take these cards. 

I have called AMEX customer service and they can not offer me any resolution. They insist that the cards are valid anywhere that accepts AMEX but can not give me examples of locations where I can use them. They say that they can not transfer my balances for my two unusable virtual cards to a physical card. They say that they can not apply the cards as payments to my AMEX credit card. They say they can not offer me a refund.

This system seems designed to skim dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service. 

I have been unable to use their cards all year. My money is inaccessible. All I want is the total balance on my cards in cash/check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: SC

Complaint narrative:
My IDR  application ( changing to SAVE plan ), submitted on XXXX has not been processed by Nelnet. I have been unable to reach a human at Nelnet with questions about the status of my application. I have received automated emails stating that I will get an email every 10 days -- that is the only communication I have received from the servicer. 

As of this moment, after repeated attempts, I have been on hold for MORE THAN XXXX HOURS TOTAL. Additionally, interest is accruing on my loans, which would not have occurred if my application was processed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Data furnisher 's accounts and inquires listed below, have certified to the Consumer Reporting Agency. Information that is misleading, inaccurate, incomplete, unavailable or a result of fraud and or identity theft. Metro2 compliance violations. Delete these accounts now. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Areas of these data furnishers reporting effected by this : Original Creditor Name, Creditor Classification, Term Duration, Portfolio Type, ECOA Code, Date of first Delinquency, Date Closed, Special Comments, Actual Monthly Payment, Payment Rating, Charger of Date, Date of last Payment, Payment History, Account Status, Account Type, Credit Limit, Highest Credit, Term Frequency, Segment Identifier, Account Number, Account Identification Number Change, Compliance Code, Consumer Information Indicator, Address, Name, Phone Number, Date of Birth, Social Security Number.

Company response to consumer: Closed with non-monetary relief