vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On or around XX/XX/2020 I wrote a letter to Experian credit reporting agency to inform them that they are reporting inaccurate information on my credit report of accounts that do not belong to me. XXXX, XXXX XXXX XXXX ( Plz see Ex-A ). I also informed them that they have 30 days to complete their investigation as per Fair Credit Reporting Act sec 611 ( a ) ( 1 ) ( A ). 

On or around XX/XX/2020 I sent a XXXX letter informing Experian that they are still reporting incorrect items on my credit report ie,. XXXX XXXX XXXX XXXXXXXX, XXXX acct # XXXX and XXXX XXXX cc acct # XXXX. ( Plz see Ex - B and Ex b ). 

On XX/XX/2020 I made a 3rd attempt to resolve the ongoing problem with Experian from their continuance with reporting fraudulent information on accounts that do not belong to me. Plz see Ex-C, Ex ( c ) and Ex-D ) Too date, they havent VERIFIED any of the above accounts, however, they claim that they have completed their investigation and came to the conclusion that the accounts belong to me. This is impossible when the so-called creditors cant verify the debt ( s ) themselves. They are relying simply on a copy of an made up statement and my SS #. According FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document DOES NOT constitute verification.

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 2022-09-28 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: UT

Complaint narrative:
Hello, I submitted a request for my Edfinanical Student Loan repayment and was told it is taking up to 150 days while other loan servicers are getting the reimbursement back to their patrons in 4-6 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
File a claim XXXX  back in XXXX case # XXXX back in XXXX XXXX XXXX was past 90 days wells fargo with {$600.00} on XX/XX/XXXX they sent me a cashier check it's been 106 days and I still haven't received my check wells fargo broke rules and regulations it said 90 days until your claim be resolved it took them 106 days before my claim resolved I still haven't received my cashier check.

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 2022-09-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX, XXXX, and EXPERIAN as they are all corporate constructs which are incapable of contracting with me are falsely reporting inaccurate information without my consent, without a mutual contract, nor written agreement documented on paper under wet ink by XXXX parties, ( full disclosure-is the united states securities and exchange commissions ( SEC ) requirement that publicly traded companies release and provide for the free exchange of all material facts that are relevant to their ongoing business operations. 
Full disclosure also refers to the general need in business transactions for both parties to tell the whole truth about any material issue about any transaction. 

by utilizing my information and distributing to various other entities their Continuing financial crimes enterprise ( XXXX ) under 18 U.S.C. 225 committing FRAUD, Fraud under 18 U.S.C. 1341, 15 U.S. Code 1611- Criminal liability for willful and knowing violation, 15 U.S..code SEC. 2 monopolizing trade a felony : penalty

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 2022-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I received an email from PayPal alerting me to an invoice for {$500.00}. 
I immediately contacted PayPal. 
They told me theyre aware of this scam. 
Yet, I received this charge. 
I can forward the email to you upon request. 
XXXX hours after speaking to PayPal, I received a text message thanking me for the gift for XXXX XXXX, I dont know a XXXX XXXX XXXX I didnt open the text, I have a screenshot of the phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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 — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: OK

Complaint narrative:
On XX/XX/2022 my Avant credit card was either lost or stolen. Someone used it to make various purchased up to the maximum limit of the credit card. On XX/XX/2022 I realized the charges had been made and noticed the card was no longer in my possession. I reported the card lost or stolen to the Avant credit card at XXXX. Several days later I received a letter informing me that there was a case number assigned ( XXXX ) and asking me to call the investigator name " XXXX '' at XXXX XXXX. 

Calling XXXX XXXX reaches a voice mail asking to leave name, claim number, and call back number with a promise that the call will be returned in 24 hours. Similarly, calling XXXX and trying to go through an operator results in the same message and promise, except there is no name attached to it -- only " Fraud ''. 

Each day for XXXX consecutive business days, I called and left messages, and there was never anyone who returned a call. 

Eventually, I began to also call the original number where I had reported the card lost/stolen ( XXXX ). There I was informed that " XXXX '' had closed the investigation with the conclusion that the charges are valid. 

Now, with my latest statement, Avant is insisting that I pay the $ XXXX in fraudulent charges under threat of penalty and credit reprisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: UNITED BANKSHARES, INC.
State: NC

Complaint narrative:
My father XXXX XXXX XXXX passed away in XXXX I was told he had opened a cd account in my name XXXX XXXX. And I need to know if there's any other accounts in my name.and I need to know all the activities on the accounts. Thank you

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 2022-09-28 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: SC

Complaint narrative:
whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} ( inaccurate please delete )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Before I begin, I want to be clear that I am not requesting a " pay-for-delete. '' I am arguing that I was never responsible for the balance that they reported to all three credit bureaus. 

Back in XXXXXXXX XXXX XXXX, I had reached out to XXXX Bank in regard to some auto pay items charging my account, in which I was not actively monitoring because I had an alternative bank account. These XXXX auto pay debits totaled {$19.00}, but resulted in {$64.00} in overdraft fees. I had a friend give me {$19.00} so I could give XXXX their money back. 

When I reached out to their customer service explaining that I was unemployed and could not possibly pay the predatory charges, they said they can automatically waive one charge, but for the additional charge they'll have to escalate the issue. Once everything was resolved, my account would have to be closed though. I said that's perfectly fine because I am not even using it. 

The daily overdraft fee continued to be charged for over a month, including on the XXXX when I went hungry because my XXXX money was accidentally deposited into the overdraft fee cursed account. At that time, I reached out to them again and they said they were resolving the fees as we discussed. 

When the account was eventually closed, I had assumed they finally resolved everything. There was NO communication telling me my account was going into collections. Yes, my address had since changed, but my family still lived there, and I was never told I received mail from them either. 

Fast forward to XXXX of this year when I paid the past due balance, the only reason I paid it was because I got a great job, so I had to get a local checking account because I did not want to deposit XXXX checks into an online bank account. I was not paying them because I agreed with the balance and wanted a pay-for-delete, I was paying them so I could get another checking account. Every time I go into their branch about the problem, they just say they don't do pay-for-deletes, but that's literally not what requesting. I was supposed to never have been responsible for the balance, which was entirely XXXX bank electronically generated fees. 

I will attach a file explaining what I meant by being charged overdraft fees only because of the initial overdraft fee as well as the official statements they provided to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28 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: IL

Complaint narrative:
Before I begin, I want to be clear that I am not requesting a " pay-for-delete. '' I am arguing that I was never responsible for the balance that they reported to all three credit bureaus. 

Back in XXXXXXXX XXXX XXXX, I had reached out to XXXX Bank in regard to some auto pay items charging my account, in which I was not actively monitoring because I had an alternative bank account. These XXXX auto pay debits totaled {$19.00}, but resulted in {$64.00} in overdraft fees. I had a friend give me {$19.00} so I could give XXXX their money back. 

When I reached out to their customer service explaining that I was unemployed and could not possibly pay the predatory charges, they said they can automatically waive XXXX charge, but for the additional charge they'll have to escalate the issue. Once everything was resolved, my account would have to be closed though. I said that's perfectly fine because I am not even using it. 

The daily overdraft fee continued to be charged for over a month, including on the XXXX when I went hungry because my XXXX money was accidentally deposited into the overdraft fee cursed account. At that time, I reached out to them again and they said they were resolving the fees as we discussed. 

When the account was eventually closed, I had assumed they finally resolved everything. There was NO communication telling me my account was going into collections. Yes, my address had since changed, but my family still lived there, and I was never told I received mail from them either. 

Fast forward to XXXX of this year when I paid the past due balance, the only reason I paid it was because I got a great job, so I had to get a local checking account because I did not want to deposit XXXX checks into an online bank account. I was not paying them because I agreed with the balance and wanted a pay-for-delete, I was paying them so I could get another checking account. Every time I go into their branch about the problem, they just say they don't do pay-for-deletes, but that's literally not what requesting. I was supposed to never have been responsible for the balance, which was entirely XXXX bank electronically generated fees. 

I will attach a file explaining what I meant by being charged overdraft fees only because of the initial overdraft fee as well as the official statements they provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: IL

Complaint narrative:
Before I begin, I want to be clear that I am not requesting a " pay-for-delete. '' I am arguing that I was never responsible for the balance that they reported to all three credit bureaus. 

Back in XXXX of 2020, I had reached out to XXXX XXXX  in regard to some auto pay items charging my account, in which I was not actively monitoring because I had an alternative bank account. These two auto pay debits totaled {$19.00}, but resulted in {$64.00} in overdraft fees. I had a friend give me {$19.00} so I could give XXXX their money back. 

When I reached out to their customer service explaining that I was unemployed and could not possibly pay the predatory charges, they said they can automatically waive one charge, but for the additional charge they'll have to escalate the issue. Once everything was resolved, my account would have to be closed though. I said that's perfectly fine because I am not even using it. 

The daily overdraft fee continued to be charged for over a month, including on the XXXX when I went hungry because my XXXX money was accidentally deposited into the overdraft fee cursed account. At that time, I reached out to them again and they said they were resolving the fees as we discussed. 

When the account was eventually closed, I had assumed they finally resolved everything. There was NO communication telling me my account was going into collections. Yes, my address had since changed, but my family still lived there, and I was never told I received mail from them either. 

Fast forward to XXXX of this year when I paid the past due balance, the only reason I paid it was because I got a great job, so I had to get a local checking account because I did not want to deposit XXXX checks into an online bank account. I was not paying them because I agreed with the balance and wanted a pay-for-delete, I was paying them so I could get another checking account. Every time I go into their branch about the problem, they just say they don't do pay-for-deletes, but that's literally not what requesting. I was supposed to never have been responsible for the balance, which was entirely XXXX bank electronically generated fees. 

I will attach a file explaining what I meant by being charged overdraft fees only because of the initial overdraft fee as well as the official statements they provided to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/22 I noticed that {$5000.00} and then {$7500.00} had been transferred from one savings account at HSBC bank. I notified Bank Security and all my accounts 2 savings and 1 checking were locked so that no money could leave any of my accounts. On XX/XX/22, I went to the bank and spoke with an officer. In looking at my accounts, he saw that a check in the amount of {$9400.00} had been drawn and cashed against a second savings account. This fraudulent check had been written against a savings account and cashed while the account was locked. I was told that the back office was dealing with the problem. There were no other responses to how this could happen. All monies have been restored to me, with no notification to me from the bank. Additionally, XXXX reward points were stolen from my credit card with HSBC. This too, has been restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have a 1 inaccurate missed payment that's Reporting on my credit. PLEASE properly investigate this missed payment and remove it from my credit report XXXX XXXX XXXX XX/XX/2021 2021

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 2022-09-28 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: MS

Complaint narrative:
I have a 1 inaccurate missed payment that's Reporting on my credit. PLEASE properly investigate this missed payment and remove it from my credit report XXXX XXXX XXXX XXXXXX/XX/2021 2021

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 2022-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Predatory Billing Practices of SPS Select Portfolio Servicing , Inc . This mortgage company, I believe, is illegally charging fees for monthly mortgage payments to be made both over the phone and online on their site. In addition, they do not accept electronic transfer payments through XXXX 's Bill-Payer system.

My previous loan company XXXX XXXX XXXX never charged fees for their online service, by phone fee was nominal. SPS charges {$10.00} online from the XXXX XXXX ( there is a XXXX day grace period ) {$15.00} after & phone. 

The loan is FHA and according to research I've done, the illegality is collecting fees for a specific payment method where the mortgage agreement stipulates that charging a fee based on payment type is not allowed they are in violation of their own agreement since they've bought this loan from XXXX XXXX. 

It is noteworthy that, circa XXXX, XXXX, XXXX & XXXX XXXX have all in the past got in trouble for these practices. I was with XXXX who sold to XXXX who became XXXX XXXX who now sold to Select Portfolio Servicing , Inc. Shady goings on if you ask me! 

If there was no fee to use online with XXXX and XXXX XXXX, then SPS should have followed suit. 

The resolution I am looking for : eliminate all fees for making payments or force SPS 's hand to set up with XXXX and every other bank out there as a participating vendor for electronic drafts on the Bill-Payer system. People have the right to handle their own money and pay their bills as they see fit and as they are able to NOT when the SPSs of the world dictate. Yes by all means, please allow me to pay you to pay you ... Ridiculous!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: PNC Bank N.A.
State: AL

Complaint narrative:
According to Title 15USC 1611 PNC Bank did deny me credit with my Social Security Number used in Application Process in this Consumer transaction discriminating against my unlimited full faith and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, amounts of XXXX, XXXX, and XXXX ; XXXX XXXX XXXX XXXX in the amount XXXX ; XXXX in the amount of XXXX ; XXXX XXXX XXXX in the amount of XXXX ; and The XXXX XXXX XXXX in the amount XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 


[ If you have a lawyer, state that you have legal representation and provide that persons contact information ]. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 7 days.

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