vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I recently was denied my claim of Unemployment Insurance fraud concerning the use and spending of the amount of {$2900.00}. This amount was to be paid to me during the XXXX outbreak where citizens were ordered to stay home and and no non essential travels in the state of Nevada. My Unemployment check was hacked by an unknown user and my funds were never received. Their claim is that I activated the card, so therefore I'm responsible for the charges to this card, of which was never used! The Fraud department hung up on me when trying to dispute their findings!

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 2023-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( 281 SW 715,719, I presume that no proof of the allege a debt, nor therefore any such debt, in fact therefore exists

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: AR

Complaint narrative:
I have tried to get information that isnt mine removed. Im a victim of identity theft and yet this major bureau refuse to remove it.

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 2023-10-09 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: AR

Complaint narrative:
I have tried to get information that isnt mine removed. Im a victim of identity theft and yet this major bureau refuse to remove it.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have requested the removal of false addresses and phone numbers and names from experian which hold a false account from XXXXXX/XX/XXXX in my experian system and this is not in my XXXX account XXXX XXXX account is accurate and up to date

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX Account Number : XXXX Reason : Account is closed Instruction : This account is closed, please investigate why it is not being reported as such or remove it from my credit report because it is reporting inaccurately

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 2023-10-09 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: FL

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Charge-Off Account, Account Number : XXXX XXXX XXXX Dear XXXX, I am writing to formally dispute the charge-off on my credit report for the account with the number XXXX, as reported by Commonwealth Financial. I believe this charge-off is in violation of the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( C ).

According to 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( C ), creditors are required to report accurate and complete information to credit reporting agencies. In my case, I contend that the charge-off reported by Commonwealth Financial is inaccurate and incomplete. 

I kindly request that you investigate this matter promptly and provide me with documentation verifying the validity of the charge-off. Specifically, I would like you to provide the following : 1. A complete account history and transaction log for account number XXXX. 
2. Any documentation proving that the debt in question is valid and legally owed by me.

3. Evidence that all required notices and disclosures were provided in accordance with applicable laws and regulations. 

I am committed to resolving this matter promptly and am willing to cooperate fully to ensure its resolution. I believe that a fair and accurate representation of my credit history is vital for my financial well-being. 

Please acknowledge the receipt of this dispute letter within 30 days, as required by law, and inform me of your progress in investigating and rectifying this matter. Failure to comply with these legal obligations XXXX result in further action on my part.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested that a few accounts on my credit file be investigated with TransUnion, starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent XXXX follow up letters on XX/XX/XXXX and XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

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 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: SC

Complaint narrative:
I have been incorrectly over-charged for my student loans almost every month since starting payments in XXXX. I call Sallie Mae every month to complain. After calling in XXXX due to being double-charged, one customer service representative hung up on me in, so I called back and they refunded me {$350.00} on XX/XX/2023 for overpayment. On XX/XX/2023 I received a phone call that I owed {$89.00}. I made the payment over the phone and asked the CSR to be 100 % sure that I was up to date with payments and I didnt owe anything until my next payment was due, to which he assured me I was even score with them on payments until XXXX payment was due. On XX/XX/2023 I was charged {$530.00} for my student loans. The monthly payment is supposed to be around {$330.00}. I do not have extra money to throw around every month and wait for a refund because of their poor payment practices ; and I cant mentally, and financially handle this issue monthly for the next 12 years. If legal action is what it takes, then so be it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The U.S. Dept of Education is reporting a fraudulent debt of {$2900.00} from 41 years ago.

The Dept of Education created a fraudulent payment history. 
I am writing to correct this inaccurate information. 

The account number reported is : XXXX This is FRAUDULENT. This ALLEGED DEBT is misleading to the extent that it has affected my credit report, decreased my credit score and it is patently incorrect.

This is not my account.

This is a FAKE PAYMENT HISTORY furnished.

There should not be a payment history because this is not my account and I have never made a payment.

This account is beyond the Statute of Limitations. 



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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2023-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I purchased a product from XXXX XXXX using PayPal pay in 4 financing. The transaction was cancelled by XXXX XXXX per my request and I never received the items. I have direct confirmation from XXXX regarding the cancellation including email. PayPal is rejecting to provide any refund and after multiple phone call and messaging communication with the proofs of the purchase cancellation, continuing to provide any resolution for the issue. The merchant XXXX directly informed PayPal pf this cancellation but Pay [ pal is being denial. The last two conversation I had with PayPal messaging system, the representative reopened the case for my issue and informed that I will be notified regarding any case update via email. However after 1-2 weeks wait, PayPal just closes the case without notifying me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On XX/XX/23, I scheduled an transfer of {$2000.00} to be transferred to my personal credit union checking account on XX/XX/23 ( this was to cover payments, including a large payment to a credit card, to be made several days after the transfer was to occur ). I received an email notification 1 minute after scheduling the transfer confirming the transfer would happen on XXXX. 

This transfer never occurred ( I was entertaining out-of-country guests the month of XXXX ). Due to my company and workload, I did not discover this failure until I received a letter via USPS on XX/XX/23 from both my credit union that I had an NSF and the credit card company for whom a large payment was scheduled. I contacted Marcus immediately and have spoken with 6 representatives ( including 3 supervisors ) on XX/XX/23, XX/XX/23 and XX/XX/23. The first said they would " look into it '' and call back, which they did but said they " just didn't see the transfer ''. None of them would research the matter further OR thoroughly and just kept saying " they didn't see the transfer '' and " at least I still had access to the funds ''. See the attached letter to Goldman Sachs Bank dated XX/XX/23. 

I am very upset that not only could this have caused damage to my credit rating, but that they can not find ANY evidence that I scheduled the transfer in spite of the fact that I have a printed confirmation with the date and time I scheduled it ( and a very long confirmation number ) and the fact that I received an email confirmation within 1 minute of scheduling the transfer. 

I was told I could only write a letter ( which I have done ) to have fees reimbursed and mail it via USPS. They have no means of of emailing or uploading my confirmation and email. In addition, my letter requests a thorough investigation into this matter. 

I believe that Marcus by Goldman Sachs has something wrong in their system that cause a transfer not to go through. I feel certain I am NOT the only person to whom this has happened and I feel a full investigation needs to be launched to determine what happened and why the transfer did not take place ; as well as what happened in order to correct the matter. As a XXXX XXXX in the XXXX XXXX I am quite upset at the poor customer service and handling of this matter, ESPECIALLY in light of the fact that they can not locate a transfer THEY CONFIRMED VIA EMAIL!!!! 

I am also very concerned with the poor attitude of all 6 staff members and their 'inability ' to launch a more thorough investigation. This is an online savings account that they advertise the ability to make a {$100000.00} same-day transfer to external banks, yet they couldn't do it with over 3 weeks notice. 

I have filed a complaint with the Federal Reserve but was referred to the CFPB for further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Incorrect information on numerous accounts are still showing up in my consumer profile. I've sent in numerous complaints and the information is still not being update or removed. All XXXX credit reporting companies do not respond to certified mail nor properly handle calls. I have recorded calls and conversations with these companies on how they mistreat my personal information and me as a consumer. I have fraud alerts that have been ignored as well by these companies and my personal information is being sold for their profit and gain. I want all late payments reporting negatively amongst all XXXX credit reporting companies, Experian, XXXX and XXXX to be removed asap! I have supporting documents that's been mailed certified to all XXXX companies that have been ignored for almost 2 years now. My next step will be seeking leg action and compensation from active parties including the CFPB.

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 2023-10-09 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I ordered an item on swappa on XX/XX/XXXX. The item I received was not the item I ordered the wrong item and the device malfunctioned. It was not new as described and had been repaired with XXXX party parts. I requested to return the item on XX/XX/XXXX. I used PayPal credit as my payment method. I am disputing the purchase with PayPal so I can return the item. PayPal has given the seller to XX/XX/XXXX at XXXX TO RESPOND which they have not. I called PayPal on XX/XX/XXXX to see why XXXX XXXX received any updates or response. They verbally gave me an address and told me to return it but the address has not been verified with the seller. I chatted with PayPal and they told me Not to return the item until the address has been verified with the seller. The seller it seems has not responded. If I do not receive an email with the correct address and is verified to return the item, I can not return something that has not been verified. I want a refund!

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 2023-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has imposed a limit for transfers to outside Bank accounts 2 business days Daily Maximum {$10000.00} 30-Day Maximum {$15000.00} Due to which I am not able to transfer out more than XXXX XXXX  per month. Called Wells Fargo how I can get this limit increased - I was told that they won't

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 2023-10-09 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am absolutely furious about my transaction with XXXX on XX/XX/2022! They have flagrantly and erroneously charged me a higher price, blatantly disregarding their purported price match policy. It is an utter travesty! Their abhorrent reputation for running a price match policy scam is widely documented online, and I am just one of the countless victims of their deceitful practices. 

I've gone the extra mile by initiating a dispute with Chase Credit card, but to my profound dismay, they have proven utterly useless in this matter. I have tirelessly submitted a barrage of letters to them, only to be met with indifference and inaction. It's patently clear that they are firmly in the pocket of the unscrupulous merchant, completely disregarding the interests of the paying customer. I am forking over an exorbitant annual fee to maintain my account, and yet, they treat me with nothing but contempt. 

This whole ordeal is nothing short of infuriating! I implore you to step in and rectify this egregious injustice. Your assistance is not just desired ; it is absolutely imperative!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
I was just made aware that I debt had paid off with Portfolio Recovery Service previously was readded to my credit report, with the status going from " paid '' to " derogatory. '' As of XX/XX/2023, it was reopened. 

They are also reporting an old account as collections in the amount of {$300.00} as an open balance, which is illegal and a violation of my rights under the FDCPA. You can not have a bill in with a collection agency that has an outstanding balance, as per 15 US Code 1618i.

In the past, when I requested validation of this debt, they only verified it. I was never provided with the documentation of how they verified it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: MI

Complaint narrative:
I keep asking XXXX, Equifax, XXXX to provide proof of why or how they claim the collection agency is accurate. I keep asking for what they used to investigation the collection agency is accurate. No one can provide the information because it does NOT exist. The collection agency is lying and Manipulating the system. The keep sending a copy of the lease. But fail to abide by the XXXX  district court judgment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 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: MI

Complaint narrative:
I keep asking XXXX, XXXX, Experian to provide proof of why or how they claim the collection agency is accurate. I keep asking for what they used to investigation the collection agency is accurate. No one can provide the information because it does NOT exist. The collection agency is lying and Manipulating the system. The keep sending a copy of the lease. But fail to abide by the XXXX district court judgment

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I need to dispute previous address that appear on my credit report there is a telephone number that also appears on my credit report XXXX XXXX XXXX does not belong to me I need to dispute this

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