vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I spoke with a supervisor today XXXX XXXX at XXXX disputes. He informed me that they ( XXXX ) are just a middleman and that my issue is with the lender whom I am current with and have been for well over a year. Furthermore XXXX whom are not reporting to the XXXX major credit bureaus XXXX, Equifax, and XXXX my on time payments made. I recently sent in to XXXX official payment history from XXXX XXXX XXXX XXXX my payment history. Moreover, I have been current all of 2023 to date by their own ( SPS ) documentation. XXXX makes the claim that XXXX verified their current unknown payment status reporting is accurate. After filing this dispute my score was dinged XXXX points with XXXX. XXXX would not tell me why my score was dinged. However, I believe it was the doubling down by XXXX which further hurt my credit score. Under the law, the Fair Credit Reporting Act, all lenders reporting information to the credit bureaus, must report accurate information. If they are informed that something is not reporting properly, as XXXX, and Equifax did inform XXXX they are required to investigate my dispute and then update the reporting so that its accurate. An Equifax dispute in which XXXX is reporting me delinquent in XXXX of 2023 has still not been removed after I submitted proof directly from XXXX that it was paid on time. Bankruptcy does not change that requirement at all. Every payment I have made to XXXX, either before or after I filed for bankruptcy, must be reported to the XXXX major credit bureaus. By XXXX failing to report timely made payments, this lender is reporting that I have a much higher balance ( $ XXXX vs XXXX ) on the mortgage than I currently do, reporting of last payment made is inaccurate, reporting that the account is delinquent is inaccurate. The report already shows the bankruptcy in the public record. Repeat reporting by XXXX as delinquent is not the same as a bankruptcy and inaccurate. XXXX reports that the loan is closed which is improper if not illegal. Overall, XXXX is denying me the benefit of timely made payments to FICO, the company that creates credit scores. This can only hurt my ability to get jobs, cars, housing and other credit that I may need to live life. This needs mediation immediately. If the CFPB can not help resolve the issue I need to know A/S/A/P so that I may seek legal counsel as my rights have been and are currently being violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
This company did NOT give me any opt out disclosures as dictated by 15 U.S. Code 6801 through 15 U.S. Code 6805. In other words, Gramm-Leach-Bliley Act. Additionally, In their terms and conditions they stated that they CAN NOT and will NOT share my nonpublic financial information to nonaffiliated third parties, which they have. This is a breach of agreement and a violation of my right to financial privacy. Consumer reporting agencies such as XXXX, XXXX, and XXXX are NOT bureaus. The only XXXX true bureau is the Consumer Financial Protection Bureau. I have attached the consumer reporting agencies XXXX or XXXX form from the SEC to prove that they are financial institutions. I, as a federally protected consumer, am now exercising my right to opt out of any and all authorization that, I, the consumer may have given you, a financial institution, written, non written, verbal, and non verbal to furnish my nonpublic information to all consumer reporting agencies.

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 2024-03-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP
State: IN

Complaint narrative:
I had a Keybank debit card that was issued to me from Illinois XXXX XXXX XXXX XXXX ( XXXX  ) through Key2Benefits in XXXX. The card was never used because I signed up for direct deposits from the state for unemployment benefits. Apparently, the state sent my first unemployment payment of {$1800.00} to the card because I was sent a letter late summer of XXXX regarding unclaimed funds. It stated that if I filled out the letter with my information the money would be mailed to me in the form of a check within 90 days. I was unaware of unclaimed funds before the letter was issued and had discarded the card already, so I took the option of filling out the form and mailing it in. 

After 90 days I still received no check. When I called Keybank about the situation on XX/XX/XXXX, they stated that my account was closed on XX/XX/XXXX, the check had been mailed out in XX/XX/XXXX and I had not reached the 90 day limit yet which would be XX/XX/XXXX. Already this makes no sense but I called back XX/XX/XXXX after not receiving the check and they stated they couldn't do anything about it and the unemployment dept were responsible for it. When I spoke to the Illinois XXXX XXXX they stated that once the money is issued to a Keybank card, they have no access to it anymore and that I had to speak to Keybank about the issue. 

I've spoken to several Keybank agents, none of which were helpful or had an answer for my issue ( some even refusing to help and hanging up on me ) until I get to an agent that claims my account was closed XX/XX/XXXX and that the check will take another 90 days to be issued. This completely contradicts what I was told the week before and now they are asking me to wait another 90 days for a check that should have arrived over the summer. 

I made a complaint with the XXXX  and a XXXX XXXX XXXX, an employee at KeyBank, wrote me back stating the first agent I spoke to provided false information. She also stated that the funds were awaiting XXXX approval XX/XX/XXXX and the funds were received by XXXX XX/XX/XXXX and therefore I should contact them. I spoke to XXXX twice on XX/XX/XXXX and they had no record of what XXXX XXXX stated nor any funds that were supposed to be issued to me. They clearly stated multiple times that if the bank holds the money then it is their responsibility to return it. XXXX has no hand in the situation. Of course I was not satisfied with this but the XXXX  closed the case. I still haven't received my check and KeyBank continues to provide false information. So I am bringing the case here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I purchased a Western Union money order from XXXX ( XXXX XXXX, XXXX, NY XXXX ) on XX/XX/2023 in the sum of {$300.00} made payable to the Justice Court XXXX XXXX XXXX and immediately mailed it tothe Justice Court at XXXX XXXX XXXX, XXXX XXXX, XXXX. NY XXXX. On or about XX/XX/2023, I received a second notice that the fine was not paid and I immediately contacted the Court and Western Union to inquire. 

I eventually received a copy of the front and back of the money order which is enclosed herewith to find out that it was altered by someone by the name of XXXX XXXX. I filed a State Police complaint report. State Trooper XXXX went to the address listed on the money order. The person residing there was a XXXX policeman with the last name of XXXX. He informed XXXX XXXX that he had lived there many years and had never heard of XXXX XXXX. 

I then notified WU to being a fraud investigation. They sent me the paperwork which I immediately filled out and return via priority mail. They received it on XX/XX/2023 but they now claim that they never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc.
State: TX

Complaint narrative:
I AM UNAWARE OF THIS ALLEDGE DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEDGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVED IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING IVE RECEIVED IT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
As I was reviewing my credit report I came account fraudulent accounts that are not mine. 

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

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 2024-03-16 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: FL

Complaint narrative:
Equifax is continuing to break the law by giving incomplete and misleading information by reporting incorrect data. Ive Tried numerous time to get this issue resolved. The information is clearly Wrong and I believe that their response is automated generated, and no one is truly investigating the problem Also, I asked For Equifax to investigate the Because I believe that its it is incorrect and should not be on my credit report at all I can show proof to show that this company is showing incorrect and misleading remarks I will upload to show my proof of what is being reported on my credit report and you will see for yourself that the information is misleading

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Called Transunion and spoke with a female on XXXX. Indicated to her I'm requesting for all collections listed on my credit report removed as it serves no benefits to me whatsoever and damaging information. She informed me to call next day XXXX as XXXX stated he received no request and had to reverify my personal info 3 times to Transunion. He refused to do anything and said he cant. Very rude and didnt want to help I informed him According to TIL and FCRA my rights and privacy. Transunion did not have my authority to disclose these negative items nor did I sign or authorize any legal documents with such Collections companies, that I do not owe a debt to. Transunion did not obtain or receive consent or used for proposes that are not allowed by law. Collections 15 US. Code 1692c and Hard inquires 15 US.code 1602p must be removed. Mi also opting out of all secondary bureaus holding any negative information must come off reported by Transunion

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 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
Walmart credit card XXXX Was in debt paid rent for two months as got XXXX  and ended up in hospital and never knew about low income programs that help with rent and couldnt walk to be XXXX and was scared

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: CO

Complaint narrative:
My gift card information was stolen by a third party hacker before I was able to register the card online and use it. It was a {$500.00} prepaid visa gift card. I have the physical gift card, it was not stolen through any act of mine, somehow the gift card information was stolen before arriving in the mail. XXXX agreed it was fraud, and promised to send me a replacement {$500.00} gift card. This happened 6 months ago. Still no card after multiple times contacting the company.

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 2024-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Ive contacted Capital One just about everyday for about 3 weeks now. Theres a credit card account on my credit report that was opened fraudulently, wrong name and address, but they continue to say that they are verifying it. HOW? Thats not my name, and Ive never heard or lived at the address youre claiming to verify this account with. Also, the name and address does not even reflect on my credit reports. Capital One is practicing foul play against us consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX hard inquiries are reporting on my report. I did not authorize these inquiries at all. I dont have accounts with these companies. Please remove from my report immediately.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am writing to dispute an unauthorized inquiry listed on my XXXX credit report, which I believe is inaccurately affecting my credit score and profile. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681b, I am entitled to dispute inaccurate information reported in my credit file. 
Inquiry Details : - Creditor/Institution : JPMCB AUTO - Date of Inquiry : XX/XX/2023 - Reported By : XXXX - Creditor/Institution : JPMCB CARD - Date of Inquiry : XX/XX/2023 - Reported By : XXXX I have no recollection nor record of authorizing this inquiry, and as such, I consider it to be inaccurate. I hereby request a thorough investigation into this matter. According to the FCRA, all information reported on my credit report must be accurate, complete, and verified. If this inquiry can not be verified as accurately authorized by me, it must be removed from my credit report. 
Request for Documentation : Furthermore, I demand that all documents, contracts, or agreements that bear my original signature and purport to authorize the aforementioned inquiry be provided to me. If no such documentation can be furnished within 15 days of receipt of this letter, then in accordance with the FCRA, this inquiry should be promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: GA

Complaint narrative:
XX/XX/2024 XXXX XXXX XXXX This is a written notice of dispute, which gives me the ability to dispute any information on my consumer credit report. My initial dispute was due to the inconsistency of the information provided on my credit report, which was not in compliance with FCRA guidelines and violates my consumer rights. 

As a result of the dispute, I have received a response from each consumer reporting agency. 

Experian investigations results status remains as verified after XXXX reinvestigations. 
XXXX credit file dated XX/XX/2024, File number XXXX - deleted XXXX XXXX XXXX file dated XX/XX/2024, Confirmation # XXXX deleted XXXX & XXXX Supporting documentation : Included is a copy of XXXX and XXXX credit report that contains the investigation results. Experian and XXXX still remain inaccurate, incomplete, and unverifiable after the investigation. 

DEMANDED ACTION : Remove from my credit report pursuant to FCRA 623 ( a ) ( 1 ) ( B ) and 623 ( b ) ( 1 ) ( d ) ( e ) Account : XXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2024-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: KY

Complaint narrative:
Back in XX/XX/XXXX I got an email Sallie Mae Customer Service about an estimated payments from the repayment of my loans and it was a total XXXX dollars. Then I receive in with other email estimated payments XXXX dollars. I call Sallie Mae Customer Service to ask if there was another option of repayment or just income base payment paid. They replied with the response that the income base was not a option and that they was no way they could lower the payment. In XX/XX/XXXX a monthly payment came out of XXXX due to a a payment of a loan payment and then I was under the impression that my payment was going down. In XX/XX/XXXX there was a payment of XXXX taken out of my account.When called Sallie Mae Customer Service I told there was no way I keep taking this out account a month. they replied there let it go into a default they said that it would be 60 days that i could basically go without a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
ALLY BANK MADE ONLINE PLATFORM CHANGES TO THE FOLLOWING FOR WHICH I HAVE BOTH ACCOUNTS FOR. 
- SAVING ACCOUNT - AUTO LOAN ACCOUNT WHERE INITIAL ALLY BANK HAD TO SEPARATE APPS, AND LOGIN ACCESS FOR THOSE TWO BANKING PRODUCTS. 

ALLY BANK MADE CHANGES AND NOW I CAN NO LONGER ACCESS MY AUTO LOAN TO MAKE LOAN PAYMENTS, AND CUSTOMER SERVICE AT ALLY INSIST I USE A THIRD PARTY APP THAT CHANGES AN ADDITIONAL FEE, AND I DON'T WANT THE RISK OF FRAUD AND LIABILITY WITH USING AN UNKNOWN BUSINESS WITH MY SENSITIVE BANKING INFORMATION. 

I MADE COUNTLESS OF REQUEST TO HAVE CORRECT THE ISSUES OVER THE PHONE, BUT CONTINUTED TO GET OVERSEA REPS, THAT HAD LIMITED UNDERSTANDING AND RESOLVE FOR THE ISSUES. NO ONE HAS CONTACTED ME REGARDING THIS ISSUE IN MONTHS

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 2024-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
PayPal Credit charge {$140.00} ( Supported they charge a annual amount ) Under XXXX XXXX company in XX/XX/2024 I noticed this charge in XXXX XXXX. I email the company by the email what provide in PayPal account charge, the company not had Customer Service Phone number, Address or another information where you can contact them. Like i didn't find anything. I will do a case in PayPal they answer me recently in XX/XX/2024 and said the company is correct charge. But not!!! is a fraud company, they didn't exist for the consumers... they dint have customer service. I will go with the XXXX and with anywhere for report this company because when i XXXX them they have many fraud or charge disputes. Today i contact PayPal Credit they cancel my account and open a new account for they did not charge again. I need my full refund of {$140.00}. I keep my XXXX account with all the payment in time for not have a problem with them. 

Please your help XXXX XXXX is a fraud company!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase allows you to transfer any coins and funds into a XXXXXXXX XXXXXXXX. So XXXX in bitcoin was transferred I to this XXXXXXXX XXXX to now find out bitcoin is not supported by the XXXXXXXX XXXX and its an outside wallet that bitcoin is not able to recover and the funds are gone and not able to be retrieved. I do not understand why they would allow sending the bitcoin to this wallet to even be an option if its not supported by the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: FL

Complaint narrative:
There is a collection account reporting in my experian credit report. Ive asked for validation of this debt a few times and have yet to receive it. It just keeps saying, verified! Verified by who? I need documents with my signature on it. No one has verified this debt yet experian keeps reporting it on my report. Im sure they are aware its violation of the Fair Credit reporting act to report false unverified inaccurate information on my report. Please remove!

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