vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CashRepublic Holdings, Inc.
State: KS

Complaint narrative:
per the FCRA as a federally protected consumer, am now opting out any & all authorization i the consumer may have given OMNI FINANCIAL OF NEVADA written, unwritten, verbal & non verbal with regards to trading, selling or reporting my personal information per XXXX XXXX XXXX Obligations with respect to disclosures of personal information. I also exercise my rights as a consumer under XXXX Form of opt out notice to consumers ; opt out methods, XXXX CFR XXXX ( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a non-affiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 
( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer. 
( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with XXXX. 
( XXXX ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
( g ) Duration of consumer 's opt out direction. 
( XXXX ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 



OMNI FINANCIAL OF NEVADA DID NOT SEND PROPER FORM OF OPT OUT NOTICE FOR I THE CONSUMER BUT I HAVE ATTACHED PROOF OF NOTICE TO OPT OUT TO OMNI FINANCIAL OF NEVADA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I have no contractual obligation with this unknown company. I have not given consent for them to have any of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I signed up for a free trial with XXXX XXXX. Within about XXXX min of signing up, I decided to cancel. There is no way to cancel via the app or website, so I filled out the support form requesting to cancel, and heard nothing from XXXX. XXXX then charged my card and now claims that I did not cancel the service. On top of that, the charge is for more than the cost of the service. And lastly, the trial should have been for a month, and the charge went through after a few days. 

Goldman Sachs ( Apple Card ) refuses to acknowledge any of this, and is insisting that the charge is valid despite a mountain of evidence. This has been going on now for seven months. 

There are literally hundreds of reviews that tell this exact same story. XXXX XXXX is a complete scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-04 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: AZ

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 U.S.C. 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My Name XXXX XXXX i am HOlding my Business checking account in BANK OF AMERICA.. They always doing wrong with me last time take out double payments every month name of my credit card when CFPB is involved then they did something otherwise No.. my ACCOUNT NUMBER is XXXX ..a/c Name XXXX XXXX XXXX nAME OF progressive XXXX XXXX XXXX take out payments i don't have any relation with progressive insurance i went to 5 branch business bankers last 2 months no anyone listen to me no anyone help me i need my money back Even i called many time bank department XXXX XXXX no anyone help me txn.. amount XXXX {$650.00} XXXX {$160.00} XXXX more txn XXXX i am very upset with this bank my PHONE NUMBER ARE 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 2024-02-05 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: MI

Complaint narrative:
I submitted this complaint to update this suspicious information. Transunion and XXXX Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX  XXXX Balance Owed : {$2900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: PA

Complaint narrative:
I received an unsolicited email from someone named XXXX XXXX saying that they were from True Accord. I did not recognize anything about what they claim was owed. There was an address listed for them so I drafted a letter requesting specifics of this alleged debt and sent it via XXXX certified mail on XX/XX/XXXX. The tracking informed me that the letter was received on XX/XX/XXXX. I have not received anything in response via mail as was requested yet I am still being contacted by this individual, the last communication being what has prompted this complaint. The email address sending these email is XXXX. I feel the need to bring this to someones attention to get this to stop. If they are breaking some type of law, I would like to know that and whether or not damages can be pursued. 
This complaint was sent to the company on XX/XX/XXXX. No validation of supposed debt has been mailed to me to view. Since filing complaint and requesting proof/validation of debt, I have received numerous emails in relentless fashion from the company and the same individual, appx. XXXX. These are all identified as SPAM and harmful by my email client, they dont even have my name correct. I demand that these emails stop. Surely a legitimate request would come via bill, invoice, letter by mail rather than some scam type email.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: AZ

Complaint narrative:
I had self prepaid credit builder account. My credit score started at XXXX and I built it up to XXXX. After two years of paying self, i paid off a XXXX dollar loan which was not actually a loan because Im using my own money. Finally when I got it down to a XXXX balance and wanted to close my account it dropped my credit score back to XXXX. Where I started from. I was deceive thinking it will build my credit and when I finally closed my account down it took my credit score below XXXX. 
I spent 2 years paying self for no reason and I even asked a self representative, A XXXX lady from the XXXX if my credit score would drop and she said for sure NO. I was lied to and did all of this work for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Please Reinvestigate the inaccurate reporting on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX, a deduction of {$61.00} was deducted from my Bank of America checking account, cited as a charge from XXXX. I did not recognize the charge and logged into my XXXX account. It was not from an order placed by me or placed using my account. 

On XXXX, I disputed the charge with Bank of America and requested a new card. I called XXXX customer service and spoke with an associate, who confirmed the charge was made by another " unverified '' account. I asked them to reverse the charge. I also asked for a destination city, but the associate said she didn't have that information. I received no email confirmation of the call from XXXX, however, I also updated my password that day and received a confirmation of that. 

On XXXX, Bank of America issued a statement that they would not cover the charge. They FALSELY alleged I authorized the charge. I DID NOT. It is not in my XXXX account - period. I chatted with XXXX again, and they told me they would not refund the charge unless I disputed the charge with my bank. I told them probably 8 times by chat that I did this, but the agent ( or bot? ) just kept repeating the instruction. My bank never contacted me for more information or for evidence and there is no way to appeal their finding. 

My account is insured and my bank says I have fraud protection. They, together with XXXX 's opaque " customer service '', have skirted the system and effectively rubber stamp this fraud on my checking account. 

Attaching XXXX charges on MY account before and after the fraud activity. Attaching chat screenshots from XXXX customer service, confirming my bank never contacted them,

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please re investigate the inaccurate information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
LOWES ADVANTAGE CARD reported an inquiry on my consumer report without fully disclosed information related to such reports being made upon our initial communication. they also failed to provide me with the option to opt out of my information being shared.

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 2024-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I used my XXXX debit card to purchase from the merchant, XXXX XXXX for {$150.00}. 
After a few days, I returned the merchandise to the merchant via XXXX or XXXX XXXX. The merchandise was received and credited to the original form of purchase, the XXXX debit card ; however, the card was closed due to what I perceived as fraud from another merchant. 

I have been issued a new card from XXXX that connects to my original checking account with Regions Bank. After multiple attempts, Regions has refused to transfer the credited funds to my existing account.

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 2024-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I had an medical emergency on XX/XX/year>, I used an ambulance company named XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX I received a bill for this service in the amount of XXXX} in XX/XX/year>, since I realized Insurance had not been billed I reached out to XXXX at their number on bill and provided them my insurance information. That is the last I heard on the issue until I started receiving collections calls from Wakefield and associates. 
I have a form of XXXX so usually by mid year I have usually met my max out of pocket with my insurance provider. Therefore, I would not have incurred any financial responsibility for this bill. I kept being told that they are going to bill my insurance ( I have emails to provide ), but they never did. 
I have sent a letter from my work attorney service to remove from my credit report.. they will not. 
My employer insurance will not cover it since its now over a year, but I do not think its fair when no one even reached out to me before turning this over to collections, and I had provided them my information to bill them for the service. 
I have documentation from my employer that they did not submit any claim for this transport. 
I have perfect credit, with no negatives in 20 plus years.. this has adversely affected my credit report, they could have been paid had they submitted bill to insurance. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
please re investigate the inaccurate information being reported on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: MOHELA
State: FL

Complaint narrative:
I sent multiple complaints including on XX/XX/23, XX/XX/23, XX/XX/23. I have approximately {$170000.00} in one loan, and {$43000.00}, {$40000.00}, {$47000.00}, and {$47000.00} in 4 other loans. I have requested consolidation back in XX/XX/23 and then again more recently on XX/XX/23. The incompetence of Mohela has resulted in me missing 6-7 PSLF payments , with more to come, as I only have 1 PSLF payment counting towards my {$170000.00} loan that is reflected on the Mohela website. 
My full ( approx ) {$340000.00} in loans are still not reflected on Mohela, and my monthly payments have not been counting towards PSLF. This quite frankly is costing me thousands of dollars and time. My tax document from Mohela reflects {$14000.00} in " student loan interest received by lender '' yet none of my payments are going towards the SAVE plan. 
This is beyond frustrating and no doubt illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit 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: Paypal Holdings, Inc
State: NC

Complaint narrative:
Fraud charge appeared on my PayPal account through my XXXX XXXX XXXXXXXX card that was connected. The fraud charge is for a recurring charge of {$110.00} to vendor XXXX. I attempted to dispute the transaction but PayPal said that no fraudulent behavior was found and that the spending aligns with the rest of my account. The only true activity on my PayPal is receiving money after buying a friend dinner in XX/XX/2023. 
The dispute number is XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-05 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: NJ

Complaint narrative:
I received an XXXX XXXX prepaid gift card as a gift for XXXX, the amount was for {$500.00}. 

I called the number on XXXX ( XXXX ) at XXXX EST on XX/XX/2024 and raised the concern that my card was being denied at every merchant I tried using it at. They gave me some script about holds placed for security and that it would take some time to release them. I shared the card number and expiration date so the rep could look at the account. Less than an hour later I was called by another number and the person on that line explained that my case was routed to him and he READ BACK the card number and expiration date to me ( he already had it, presumably from whoever answered my first call ). 

I assumed that he would only have that information through legitimate means so I provided the XXXX digit code when he asked. He explained the holds would be lifted. I checked back later and saw a transaction for a merchant I have never known about or done business with based in XXXX ( XXXX XXXX ) for the entire remaining balance of my card, which was {$490.00} - XXXX cents was on hold from the previous attempted transactions. 

Someone who works in the servicing department seems to be running a scam and sharing card info with a third party so they can call customers and trick them into giving the XXXX digit security code. 

I had raised a dispute with them, which they denied. I called again and explained that it was not acceptable and they re-opened the case today. They said it would take another 45 days to continue researching. 

This seems to be some combination of business with XXXX XXXX or one of it's subsidiaries and something called " XXXXXXXX XXXX '' or " XXXX XXXX XXXX. '' I've attached a pdf of a dispute case they sent to me today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: MA

Complaint narrative:
I am writing to file a formal complaint against XXXX, Equifax and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation