vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
I disputed my phone bill debt with XXXX XXXX for XXXX XXXX i spoke to someone on the phone with jefferson capital systems XXXX XXXX XXXX XXXX XXXX, MN XXXX about a debt from XX/XX/2018 but she resolved it over the phone & on credit karma its not showing but on other bureaus it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I made an online payment for a XXXX credit card balance of {$32.00} from my Wells Fargo checking account. The amount was deducted from my account per my monthly statement. XXXX claims to have not received the payment snd proceeded to charge increasing late fees and eventually cancelled the credit card. This has now resulted in a substantial drop in my credit score. Three months of trying to get Wells Fargo to investigate snd resolve the problem has been completely ineffective. All Wells Fargo has done is assign " case numbers '' to three separate attempts to get this resolved but no one has done anything.

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 2023-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TrueAccord Corp.
State: MO

Complaint narrative:
Email received on XX/XX/XXXXXXXX  : Hello, XXXX XXXX XXXX. We're TrueAccord Corp, a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX. We will use any information you give us to help collect the debt. 

Our information shows : You have an account with XXXX XXXX XXXX. The original creditor was American General Financial Services with an account number ending in XXXX. The address on file for you is XXXX XXXX XXXX XXXX 
As of XX/XX/XXXXXXXX  you owed {$370.00} Between XX/XX/XXXXXXXX  and today You were charged this amount of interest + {$54.00} You were charged this amount in fees + {$0.00} You paid or were credited this amount toward the debt - {$0.00} Total amount of the debt now $ XXXX- This debt was settled in bankruptcy and is no longer owed. They attempted to have me sign a document that is from the lender but I refused. Please assist me in any way you can to make this stop. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: NJ

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX-XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 USC 1681 section 602. States I have right to privacy. 

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not without my written instructions. 

15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: IL

Complaint narrative:
I am writing to bring to your attention a matter of utmost gravity pertaining to the unauthorized sale and acquisition of my personal information, which transpired as a consequence of my unfortunate status as a victim of the XXXX data breach. It has come to my attention that certain items, resulting from this breach, persist on my credit reports. In light of this, I am hereby formally demanding the immediate removal of these deleterious entries. 

I have taken the liberty of appending incontrovertible evidence that substantiates XXXX 's acknowledgment of my victimhood in the aforementioned data breach. Despite this acknowledgment, regrettably, no corrective action has been taken on the part of XXXX to rectify the impact on my credit history. 

It is imperative that you extend your expertise to rectify this matter with utmost urgency. I seek your professional assistance in expediting the expungement of these illicit accounts from my credit report, in alignment with my rights and the laws governing consumer data protection. 

Your prompt attention to this matter is not only imperative but also anticipated, and I trust that your legal acumen will serve to address this situation with the gravity it demands. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: IL

Complaint narrative:
I am writing to bring to your attention a matter of utmost gravity pertaining to the unauthorized sale and acquisition of my personal information, which transpired as a consequence of my unfortunate status as a victim of the XXXX data breach. It has come to my attention that certain items, resulting from this breach, persist on my credit reports. In light of this, I am hereby formally demanding the immediate removal of these deleterious entries. 

I have taken the liberty of appending incontrovertible evidence that substantiates XXXX 's acknowledgment of my victimhood in the aforementioned data breach. Despite this acknowledgment, regrettably, no corrective action has been taken on the part of XXXX to rectify the impact on my credit history. 

It is imperative that you extend your expertise to rectify this matter with utmost urgency. I seek your professional assistance in expediting the expungement of these illicit accounts from my credit report, in alignment with my rights and the laws governing consumer data protection. 

Your prompt attention to this matter is not only imperative but also anticipated, and I trust that your legal acumen will serve to address this situation with the gravity it demands. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: NC

Complaint narrative:
Requested admin forbearance, waited the 21 business days, no documents or notes have been updated to my account, made 4 payments, two are not showing at all ( not even as processing g ) money came out of my bank on XX/XX/23. Contacted EdFinancial and rep state it could take 4 business days which would have been XX/XX/XXXX, but it's still not reflecting my payments nor a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My account received an email notification from PayPal allowing withdrawals on XXXX XX/XX/2022, but I can't link new bank with the withdrawal, and I've contacted the customer service representative by phone several times and the problem hasn't been solved, can you please help me, thank you! 
Attached is the email notification from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lewis, McDonnell & Associates
State: MD

Complaint narrative:
XX/XX/XXXX  noticed an entry on my credit report from Lewis McDonnell & Associates for a Flexshopper account in the amount of {$1700.00} XX/XX/ contacted Lewis McDonnell & Associates via phone to request debt validation XX/XX/ mailed a debt validation request to XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX  called Lewis McDonnell & Associates to inquire about letter XXXX still have not received debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I ask for proof of the debt like a contact that I signed with my signature they didnt respond I ask several times for this no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I sent West Lake Porfolio, who took over US Auto car loans, a copy of my credit report showing the car had been paid off since XX/XX/2022, ( well before they received US AUTO ACCOUNTS ) no response from them after several emails to them explaining such. They have repeatedly called requesting payment and has added the account back to my credit report. Further I told them to stop calling me, for I had an attorney who referred me to you. They repeatedly called me. US AUTO was involved in a lot of fraud being investigated by the TRUSTEES OF THE BANKRUPTCY COURT FOR SUCH. I do not owe this debt, and I would like this matter resolved. W.L.P. is asking for proof that it was paid off. However, it was 2 years ago and US AUTO NVR GAVE ME ANYTHING- just a call stating it was taken care of, and removed from my credit report as they stated they would. This car was stolen, totaled and sold at an auction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing a formal complaint against TD Bank for their mishandling of a dispute related to a charge on my account. This dispute involves a transaction dated XX/XX/, for an amount of {$760.00}, charged by XXXX XXXX XXXX for a vehicle repair service that was never completed. 

Initially, TD Bank issued a credit to my account while they investigated the charge. However, they failed to conduct a proper investigation and prematurely reversed the credit. Upon contacting TD Bank, they acknowledged their error in not investigating the claim and incorrectly closing it. They apologized and reopened the claim, reissuing the credit and promising to follow up with the necessary form for me to submit video evidence supporting my claim. Despite this assurance, the form was never sent, and I was later informed that it was not dispatched because the claim had been closed in my favor. 

Today, I discovered that TD Bank had once again reversed the charge, despite the investigation still being incomplete and without any communication or resolution of the issue. This series of mismanagements by TD Bank has caused significant financial and personal distress. 

I am seeking a resolution in the form of a credit for the disputed amount and appropriate action from TD Bank for their failure to handle this dispute correctly and in accordance with the rights and protections I am entitled to as a cardholder. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On. XX/XX/28 XXXX XXXX XXXX XXXX CA charged me {$5500.00}. Services were never rendered and I am currently in a law suit against the comapny for fraudulent charges and defrauding 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 2023-12-02 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: NJ

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXXXXXXT Account # XXXX, XXXX-XXXX XXXX # XXXX, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 USC 1681 section 602. States I have right to privacy. 

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not without my written instructions. 

15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: NJ

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX-Retail Account # XXXX, XXXX  XXXX XXXX  Account XXXX XXXX has violated my rights. 

15 USC 1681 section 602. States I have right to privacy. 

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not without my written instructions. 

15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
I don't know how to start this other than by saying that I am extremely sickened by it and that I am having to do this process because of what has happened facilitating overdraft on my checking account. 
I will say that this was not due to bank error, but something going wrong elsewhere. 

I was on my phone managing notes when a notification about an email notice received from BOH alerting me that my balance dipped below a certain threshold or was negative. 
Upon logging into my account immediately to see what happened and confirm the validity of the error I saw, to my extreme dismay, that my account was in the negative almost {$70.00} because of an unexpected {$40.00} annual membership fee. I had calendar notices set for this for that I've been using the past few years to avoid this exact situation. Something XXXX those alerts and alarms and I did not receive them to make sure that I had the funds in the account. 
I am so disgusted that I have to bother you about this to seek reversal of the {$30.00} NSF fee because I absolutely can not afford to pay the fee. I am going to try to pay the {$40.00} balance as soon as I can to mitigate the situation, but I absolutely can not afford anymore expenses and fees at all at this time and ask that you reverse the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-02 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I went on my credit report and I have some. Unauthorized hard inquiries that I did not authorize. I called the company they say they didn't see where I applied for any loans, but didn't take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I contacted Synchrony Bank about fraudulent charges that showed up on my XXXX 's card. i called their dispute line and disputed them. They refused to work with me, saying i benefitted from the purchase. I called them several times and spoke with different reps, disputing the charges and they have still refused to remove the charges. They have also put XXXX, XXXX, and 90 days late on my credit reports, causing my score to decrease.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: IL

Complaint narrative:
I am writing to bring to your attention a matter of utmost gravity pertaining to the unauthorized sale and acquisition of my personal information, which transpired as a consequence of my unfortunate status as a victim of the Equifax data breach. It has come to my attention that certain items, resulting from this breach, persist on my credit reports. In light of this, I am hereby formally demanding the immediate removal of these deleterious entries. 

I have taken the liberty of appending incontrovertible evidence that substantiates Equifax 's acknowledgment of my victimhood in the aforementioned data breach. Despite this acknowledgment, regrettably, no corrective action has been taken on the part of Equifax to rectify the impact on my credit history. 

It is imperative that you extend your expertise to rectify this matter with utmost urgency. I seek your professional assistance in expediting the expungement of these illicit accounts from my credit report, in alignment with my rights and the laws governing consumer data protection. 

Your prompt attention to this matter is not only imperative but also anticipated, and I trust that your legal acumen will serve to address this situation with the gravity it demands. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FlexShopper, Inc
State: MD

Complaint narrative:
XX/XX/ noticed an entry on my credit report from XXXX XXXX XXXX XXXX for a Flexshopper account in the amount of {$1700.00} XX/XX/ contacted XXXX XXXX XXXX XXXX XXXX phone to request debt validation XX/XX/ mailed a debt validation request to XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/ called XXXX XXXX XXXX XXXX XXXX inquire about letter XX/XX/ still have not received debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: MS

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
missed a flight due to weather delay. XXXX XXXX told me to repurchase a ticket and i would receive a refund. After speaking with XXXX I was told to dispute with credit card company. I did that. Credit Card company told me I did not send enough info. I submitted XXXX refund policy along with flight details, the rebooking, and new flight details. I also submitted the emails between me and XXXX. They refunded me for the missed flight when they were supposed to refund the rescheduled flight. which is why they told me dispute with card company. All information and a detailed account of the events was mailed and emailed to card company.

Company response to consumer: Closed with monetary relief