vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX, Transunion is verifying a bankruptcy falsely. 
Companies have been verifying through thrid party agencies in which XXXX XXXX have sent myself and each reporting agency copies of my report verifying that i have no bankruptcy. I also have documents directly from court house. 

My question is who is holding these credit agencies responsible when they break these laws in place. 

FCRA laws every consumer reporting agency must have the written consent of the consumer to furnish information and they do not have any written consent form me to furnish anything to their systems this problem keeps gettin ignored despite my evidence being presented which in turn s make me resubmite everytime it gets closed out.

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 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I got off the phone with both Chexsystems and XXXX XXXX They have stated that they have verified this account as accurate. However, they clearly have not conducted their own independent investigation because of a blantant errors on my reports with each of 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 explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2021, I was a victim of a phone scam. Some person pretended to be Navy Federal Credit union and asked for a pin that they were about to send me from their fraud Department. After getting a pin I relayed it to the representative and the phone hung up. A few hours later Navy Federal called me and said I was a victim of fraud. I proceeded to file the fraud claim and was told I would be reimbursed within 10 business days. As of today it has been over a month and I have reached out over 30 times requiring about my reimbursement and the only thing I was told is that it is pending. This has cause me severe XXXX in which I literally had to get medication for and this is not the treatment that I think a war vet would get from his own credit union

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 2021-11-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I filed a claim that my card was stolen & XXXX was withdrawn & transfers out my account but not at once on the XXXX & the XXXX, i ask them to check the cameras and everything to show that it wasnt me that withdrawal the money out my account and before this happened they told me my card wasnt working it was under review but all of the sudden my card getting stolen and money getting withdrawn out my account in the middle of the night. I filed the dispute in the XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code XXXX681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Comerica
State: NY

Complaint narrative:
Staff at The Non FOR Profit I live at ; XXXX XXXX XXXX XXXX. CLAIMED THAT THEY STOLE MY SSI MONEY AND REDIRECTED MY SSI FUNDS TO A DIFFERENT CARD. THEY PUT IT IN DIRECT DEPOSIT IN ANOTHER ACCOUNT. I DO NOT KNOW WHAT ACCOUNT. SO IF IT IS TRUE, MY SSI PAYMENT WILL NOT BE IN MY DIRECT EXPRESS ACCOUNT CARD ENDING IN XXXX. THE STAFF AT XXXX XXXX XXXX XXXX LOCATED AT XXXX XXXX XXXX XXXX, XXXX, NY XXXX, NUMBER IS XXXX XXXX. THEY ARE JUST CRIMINALS, THAT IS ALL. PLEASE CHECK WITH THE SOCIAL SECURITY ADMINISTRATION AND GET BACK TO ME AT XXXX AND LET ME KNOW IF THEY HAVE REDIRECTED MY SSI?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021, a dispute letter was submitted via mail and fax to Transunion, XXXX and XXXX in reference to the Bankruptcy listed which is inaccurate on my credit reports. I have allowed substantial time to resolve my concern due to the pandemic. I have also contacted the Courts as well and they advised me they do not report to the Credit Bureaus. If the Courts do not report to the Credit Bureaus, how is this listed on my credit report? By FCRA law, all Credit Bureaus are required to validate/verify information BEFORE it is added to a consumer credit report. The Bankruptcy listed is in violation of FCRA not only because the courts do not report information to the Credit Bureaus but by law the Bankruptcy must report City, State and Court Name which it doesn't. This Bankruptcy is negatively impacting my ability to secure new credit and or purchase a home. I request full removal and an updated copy of my credit report mailed to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Hello, I've been a customer of Venmo for years. 

I recently made a transaction for {$1000.00} of which they covered. 

Today, XXXX @ approximately XXXX XXXX I tried to pay them with their service, XXXX. 

Although I entered the right credentials to pay them thru a US bank... it was declined. 

I then called them and noticed that the debit card they have on file for me is wrong b/c the bank issued me a new one. 

I tried to pay it in whole but Venmo insists that I must provide them a Drivers License. 

How is this possible? 

Other merchants ... XXXX, XXXX, XXXX don't ask me for this. 

Again, I've been their customer for YEARS and they've already done XXXX on me. 

Is it b/c I'm XXXX ( non-white ) that they're doing this to me? 

Thank you for your time, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I have attached an account that is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached circled pictures of the account with the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a phone call at XXXX XXXX  PT on XX/XX/XXXX. My phone showed the call to be from Wells Fargo Bank ( XXXX ). The individual identified himself as an employee of the fraud department at Wells Fargo bank ( where I have my checking and savings accounts ) and that he was calling to alert me of a possible fraudulent transaction of a XXXX transfer of funds out of my savings account. He identified that the funds had been sent to 'XXXX  ' at XXXX XXXX. He questioned me about whether I had initiated various transactions form my bank accounts, showing that he had accessed my banking accounts at Wells Fargo. He never asked, nor did I volunteer, any personal information. He provided a name ( bogus ) and an employee ID number ( also fraudulent ). 
He indicated that the way to restore my funds was to do a reverse XXXX transfer back into my account. Over the next XXXX minutes, he walked me through the process to 'restore my funds ' -- this involved setting up a XXXX transfer with me as a recipient through my email address. At the end of the call, he stated that the funds were now back in my account and he thanked me for being a loyal Wells Fargo customer over the past 30 years ( only something he would know by accessing my accounts ). .He told me that he would call me back the next morning to assist me in changing my ID and password to protect my accounts. 
When he did not call me, I contacted Wells Fargo and learned that there was no employee under the name and ID number that the scammer had provided and also learned that the {$3000.00} had actually been transferred out of my savings account to XXXX XXXX where I believe that the scammer had an account. I have two claims open at Wells Fargo bank as of XXXX XXXX. To date, there has been no investigation initiated by them in response to my claims, no temporary credit provided for my {$3000.00} loss. Every time I call the bank, I receive conflicting information. On XX/XX/XXXX I was told that my claim was expedited up to the executive level due to the nature of the fraud alleged by me, but today I was told that was not the case since there has been no assignment of a case manager and absolutely no investigation started. I spend 2-3 hours a day speaking to various Wells Fargo employees who are rude, incompetent and useless in assisting me to get my stolen funds returned. 
I believe that this theft was committed by a current or former Wells Fargo employee with access to my bank accounts. I desperately need the funds that were stolen from me. Please help.

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 2021-11-18 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 THE WEST
State: CA

Complaint narrative:
Dear CFPB : Bank of the West ( BOTW ) hit me with a NSF fee on XX/XX/XXXX ( a {$35.00} fee ). The transaction should have simply been stopped, but BOTW pushed the funds through. I, wrongfully, incurred an additional {$30.00} on XX/XX/XXXX ( due to my account being more than {$200.00} overdrawn ). The transaction was an online EFT, BANK to BANK, " one time '' checking account transaction to a savings account. The transaction of XX/XX/XXXX was overdrawn due to a keystroke error. When I learned of it, on XX/XX/XXXX, I had the funds returned to BOTW by XXXX XXXX XXXX XXXX XXXX on the same day. However, the funds did not post in time to stop the second NSF fee of {$30.00} for XX/XX/XXXX, or so says, BOTW. 

I believe that BOTW was being abusive by allowing the overdraft to go through on XX/XX/XXXX. I complained to the bank managers in person, online by email and by telephone, but I was told that the fees are correct. Bank of the West has been treating my account as if I signed up for overdraft protection. Even insisting that I was automatically signed up when the account was registered online. However, when I opened my BOTW account online ( # - XXXX ) on XX/XX/XXXX, I never once signed up or designated an alternate account to cover any overdraft protection. 

Under the overdraft protection law enacted XX/XX/XXXX it is illegal for banks to automaticaly sign up new accounts for overdraft protection. Again, the H.R.1261 " Overdraft Protection Act of XXXX '' - Amends the Truth in Lending Act to prohibit a depository institution from engaging in unfair or deceptive acts or practices in connection with overdraft coverage, or in acts designed to evade the provisions of this Act. ... ( 1 ) the consumer 's transaction may be declined if there are insufficient funds in the related transaction account, and ( 2 ) the consumer will not be charged a fee if such transaction is declined. ... Prohibits an overdraft coverage fee if the overdraft results solely from a debit hold amount that exceeds the actual dollar amount of the transaction. ... 

The US Treasury makes a direct deposit for my SSI payment into my Any Deposit Checking account on/or before the first of every month. BOTW was well aware of my direct deposit history and decided to take advantage by transferring the full amount to XXXXXXXX XXXX XXXX XXXX XXXX where my XXXX. fund is managed, even though it would put my primary checking account in a negative balance. If I were unable to return the funds back to BOTW I would have continued to incur NSF fees every five days until XX/XX/XXXX. 

In closing, I am requesting that the CFPB audit all my BOTW transactions for the months of the XX/XX/XXXX through XX/XX/XXXX. Please advise. 

Sincerely, 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 2021-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
As evident in the attached agreement, in which I was under much duress at the time of signing on ( XX/XX/XXXX ), the alleged creditor, Exeter Finance, denied me of my right to rescind as pursuant to XXXX XXXX XXXX, considering that this was a consumer credit transaction. This is shown under the section titled No cooling off period. 

I as the consumer am also being charged outside of the finances charge which is presumed to be the SUM OF ALL CHARGES. To charge me anything other than the finance charge ( e.i. Interest ) is a violation of XXXX XXXX XXXX. The finance charge is also to include an insurance premium which I was not given full disclosures of or offer. If having comprehensive and collection is a requirement for Exeter Finance, then it makes sense as to why it is supposed to be included in the finance charge. 
The agreement is very false and misleading ( XXXX XXXX XXXX ) as the alleged amount of the final sale is in a positive balance. If I am in debt to another, I would better make this assumption if a negative balance were shown. It is also false and misleading as Exeter Finance is not listed on the agreement as the seller or buyer. XXXX XXXX XXXX XXXX is listed as the seller/creditor on the agreement. If I didnt know any better I would assume I am in an agreement with XXXX XXXX XXXX XXXX and not Exeter Finance just by looking at the signed agreement. 

I spoke with a representative of Exeter Finance for almost 2 hours trying to resolve the matter on XX/XX/XXXX. The representative agreed with my arguments but the only resolution offered was to surrender the automobile. 

I also have a copy of a XXXX Certified Search Report from the Georgias Secretary of State. This XXXX is proof that I am not legally obligated to this debt. In order for an alleged debt to be valid it must be recorded with the XXXX of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: UT

Complaint narrative:
I have sent debt validation letters and dispute letters on XX/XX/2021 and XX/XX/2021. These letters are regarding to a debt said to be owed to NATLCRSYS. The Date Last reported is inaccurate. according to the XXXX XXXX XXXX XXXX, a consumer has the right to dispute this matter. I have even tried disputing this account through XXXX online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: FL

Complaint narrative:
I have been harassed by Sallie Mae the past XXXX months causing me to Go into a high risk XXXX I have asked numerous times please wait until I return to work they are calling my grandmothers XXXX XXXX, etc. this is becoming ridiculous and I am Overwhelmed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XX/XX/2020 I had owner XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX, XXXX Arizona, come to my home to measure to install new vinyl plank flooring in my house. XXXX didn't leave anything in writing with me stating that he would get back to me with a solid price and let me know if I am approved for a no interest credit card from Synchrony bank. The next day XXXX called to let me know I was approved for the credit card and quoted me a price or {$9500.00} which he said included materials and labor.. I was interested in moving ahead and gave XXXX the information and XXXX of the flooring I was interested in to check stock. XXXX informed me that to begin the job I would need to come in and sign a contract. I told XXXX that I would be in within a few day to sign. 3 days later my work began furloughs due to covid-19. I called XXXX to tell him I would not be doing any work at this time due to my work furlough. He informed me that he ordered the flooring and that it can not be returned because it is discontinued, which he never disclosed prior to this. I explained that him ordering flooring without a contract was his decision and was out of my control. The XXXX XXXX closed right after that for 4 months due to Covid lockdown. But, 2 months later in XXXX of XXXX I received a bill from Synchrony Bank for {$9500.00} that XXXX billed to my credit card without my authorization and the XXXX XXXX was still closed due to lockdown. I've made numerous attempts to contact XXXX XXXX regarding these charges and have not received any communication to date from him or any itemized statement of what I was charged for. I contacted Synchrony Bank on this matter. They have sided with the merchant in 3 disputes despite the merchant actually uploading a copy of an unsigned contract that I have never seen. My credit is ruined going from XXXX to low XXXX due to Synchrony Bank 's credit reporting against me. I currently have an open fraud investigation with Synchrony Bank stating that this merchant has used my credit card without my authorization. Recently, I tried to refinance my home and that is how I found out how bad my credit has been damaged by this incident. The lender gave me CFPB info to file a complaint.

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