vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am submitting this communication to Comenity Bank under the Provisions under FCRA 623 ( a ) ( 8 ) ( E ) .I am requesting once more the actual Date of Last Payments that you have on file regarding accounts ending in 7940. 
Again, I do not care that you sold this account that has nothing to do with the fact that I believe you may be complicit in RE-AGING this account and I find it hilarious that you continue to state the month and year in which you charged off the accounts. This is interesting because you refuse to provide XXXX that I requested. 
Since you state accounts belong to me but in all actuality they DO NOT. You say you charged off account then give me XXXX. 
Again, the Date of First Delinquency is what triggers the 7 year reporting period. I do not care when you say they were charged off. 
Under FCRA 623 you have 30 days to respond or I will take note of your illegal failure to reply in a timely manner and add that to my list of your violations that you have committed thus far. 
The basis of my dispute is that this account DOES NOT BELONG to me in the first place and is too old to be reporting DELETE It and or send the TRUE Date of Last Payment on account ending in XXXX that you alledgedly have on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I disputed an account with TransUnion about inconsistencies regarding an account on my credit report with TransUnion and XXXX. The reporting account details differ significantly between the XXXX agencies, including variations in account type, payment status, and inconsistent dates. The reported date of last payment also varies between agencies TransUnion : The account is reported as " Collection/Chargeoff, '' suggesting different stages of delinquency or debt resolution that do not align with the true status of the account. 

XXXX : Reports the account status as " OK '' consistently, which contradicts TransUnion 's derogatory status.

TransUnion insist that the accounts information is verified as accurate.

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 2024-07-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX we purchased ( from XXXX- we still have the receipt ) a XXXX XXXX XXXX satellite dish and receiver for our RV. This was set up as a pay as you go account - meaning we would call when we wanted service, it would be activated for a month and then service would expire. We used the service off and on for several years. The last time that we activated service was XXXX of XXXX. In approximately XXXX of XXXX I received a request to return our equipment. I contacted XXXX XXXX and explained that we purchased the equipment. At this time they also turned me over to a debt collector for the {$16.00} fee. After several phone calls I was informed in XXXX of XXXX that the issue was resolved. Then in XXXX of XXXX I received a letter from a different debt collector for the same {$16.00} and now additional fees. I once again contacted XXXX XXXX. My last conversation with Dish was with XXXX XXXX XXXX XXXX who stated that she has reversed the charges. I requested a letter or email confirming this. She asked for my email, which I provided, and stayed on the phone with me. No email ever arrived. At this point XXXX was frustrated with my requests to have something in writing and told me something to along the lines of i cant get you anything for XXXX hours and until the account is updated and shows a {$0.00} balance. As you can imagine, I simply do not trust that this issue has been resolved and I am requesting something in writing to support their claims and prevent further erroneous attempts to collect a debt that I simply do not owe. Your assistance would be greatly appreciated. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: VA

Complaint narrative:
Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
When I went for make a deposit ATM machine took my {$4000.00} XXXX couldnt pay my payments I called customer service they said I have to wait XXXX XXXX business days for get credit to my account how we can trust to bank like that I will get late fee my payments XXXX atm number

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 2024-07-03 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: Paypal Holdings, Inc
State: VT

Complaint narrative:
After attempting several times to transfer my funds ( {$400.00} ) stored in Venmo to my bank account, they suspended my account on XX/XX/XXXX. I had it reinstated by sending them my valid photo ID. After trying again to transfer my funds, they suspended the account again on XX/XX/XXXX. Rather than requesting to have my account reinstated, I filed a complaint to the company asking for them to allow me to receive my funds, as I no longer want to use their services. They responded to my request with a generic email on XX/XX/XXXX that didn't address any of my requests. As instructed, I responded to the email saying I needed further assistance. I also called their help phone number on the XXXX in an attempt to contact a real person rather than an automated, generic response. I was unsuccessful. On XX/XX/XXXX, a so-called " account XXXX '' emailed me informing me that my account had been permanently deactivated because it was not eligible for reactivation, even though I had specifically stated that I was not requesting reactivation, rather, was only requesting my money to be returned. They also stated that no future inquiries would be addressed. In this email they said " The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. '' I can not wait 180 days for my funds to be potentially delivered. Any help would be greatly appreciated. I feel exploited and frankly disgusted by Venmo 's actions and lack of customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
First I am XXXX and have banked with Wells Fargo since XXXX ( 55 years ). I will five dates and what occurred. 
I have transaction history from XXXX. 
on XXXX there was a transfer I never made of {$9000.00} from savings to checking and a transfer back to checking of {$9000.00} on XX/XX/XXXX and the same amount from savings to checking. I saw this XXXX and thought it was odd and questioned its odd behavior which i did not do, yet ignored it as I didnt lose anything.Later i realized someone probably did this to verify they had control on my a/c and then the next morning my email sjowed a large banner taking full screen that said my loan was approved for XXXX. I never asked for a loan and knew something was amiss at this time ( i was a finance major, stock broker and later XXXX office manager. ) Immediately there was a deposit of XXXX to checking. and a check for {$9800.00} went to XXXX XXXX, I had leased a car from them but paid them back in full at the end of XXXX. I did call XXXX and was told they closed the file and never received that money. there was a {$9800.00} transfer to checking and a transfer of XXXX to checking My original balance in checking was {$9800.00}, and XX/XX/XXXX {$8500.00} goes to checking on XX/XX/XXXX $ {$9800.00} goes out to XXXX XXXX XXXX i called them they necer heard of me nor had I heard of them ( when i called them ). 
At this point i had been to Wells talking to XXXX a banker there as i was clearly scared. 
At this point Wells closes my checking and savings accounts, The new account currently is negative {$890000.00} and I am honestly broken financially I do not have a dollar to my name. 
To help me out my cousin opened an account at XXXX and will pay my rent, usility bills and food until we can get this fraud accounted for and hopelfully get my money back and take me back to my {$9000.00} total combined balance I had on XX/XX/XXXX. 
Bottom line there was a balance is now negavive in a new a/c at Wells money moved around by WHO KNows probably a foreign indivisual my bank a/c has been robbed of {$9000.00}.

I have zero IT skills so all of this is shocking. It seems what Wells wants to do is say I did all of this I would have no idea how this was performed .Yet it seems there must be an account maybe foreign and phon numers somewhere XXXX could get. Sincerely 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 2024-07-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
Dear Chime Support Team, Good morning, My name is XXXX XXXX XXXX XXXX, and I am urgently requesting the refund of funds left in my Chime account, which was closed on XX/XX/year>. The abrupt and unethical manner in which my account was closed without prior warning has caused significant distress and hardship, particularly as I am a senior citizen relying on these funds. 

As a compliant account holder, I have provided all requested documentation and evidence to Chime to demonstrate my adherence to your policies. Despite this, my request for a refund of the remaining balance in my account has been denied without justification. 

The sequence of events is as follows : On XX/XX/year>, I alerted Chime XXXX via phone about a suspicious ACH transaction. Your representative advised me to check with my XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ). XXXX subsequently confirmed their responsibility for the error in an email communication. 
Following the closure of my account without notice on XX/XX/year>, I contacted Chime Support immediately. Initially, I was denied information regarding the closure. However, upon escalating the matter to a supervisor XXXX XXXX XXXX, I was provided with the necessary steps to address the issue. 

Ref # : XXXX The documentation requested by XXXX, Supervisor of the Chime Member Protection Team, included : Front and back copies of my drivers license. 
A bank statement from XX/XX/XXXX to the present. 
A letter from XXXX addressing their ACH error. 

I have complied with these requests and provided all required documentation. The total amount left in my closed account is {$1000.00}. 

Given the urgency and the impact of this situation, I demand the immediate refund of the remaining balance in my account. This matter has caused undue stress and financial instability, which is unacceptable and must be rectified without further delay. 

I expect a prompt resolution to this issue and a confirmation of the refund process. Should this request be ignored or further delayed, I will have no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-03 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: IL

Complaint narrative:
On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were inaccurate because they were furnished without my written signature. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the i nformation. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code1681b Permissible purposes of consumer reports Inever gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of ALL DELETIONS on my credit report.

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 2024-07-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: NOTE SERVICING CENTER, INC.
State: OH

Complaint narrative:
Note Servcing Center is servicing a land contract ( rent-to-own ) on our home at XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX 

The property is now paid in full ( in fact early ) and all remained owed funds are sitting in escrow. There is no balace due on the property. 

Instead of releasing the title, Note Servicing Center is fraudulently claiming we are in default and has initiated foreclosure against our home. 

In short, the company refuses to release title and is now trying to take our home.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint and demand immediate action regarding the inaccurate reporting of a bankruptcy on my credit report by credit bureaus. Despite repeated attempts to rectify this issue, the credit bureaus have failed to provide verifiable proof of the accuracy of this entry. According to information obtained from the court, they do not report bankruptcy information to any credit agencies. Therefore, the credit bureaus ' assertion of accuracy lacks credibility and violates my consumer rights.

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 2024-07-03 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, I deposited {$3300.00} worth of checks into a Chase ATM. The ATM gave me an error message once I deposited the checks and claimed it did not process any of the checks I put into the machine. I then called Chase and filed a claim. On XX/XX/year> I heard back from Chase regarding my claim. The first person I spoke to notified me that all the checks had been lost and none of the deposit would be put in my account. I asked to speak to a supervisor, and he stated that " XXXX checks have been found for {$2600.00} ''. There are XXXX different Chase employees stating different values and I am still short {$670.00} from my initial deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-03 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: MA

Complaint narrative:
Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.

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 2024-07-03 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 non-monetary relief