vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 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: Lincoln Educational Services Corporation
State: NC

Complaint narrative:
The credit bureaus continue to allow Lincoln Tech to report a {$3600.00} collection account on my credit report, when the debt does not exist. I have contested the debt with Lincoln Tech and demanded documentation to show that I have any debt with their institution. Despite multiple requests, they have yet to provide any of the documents requested. Meanwhile, I continue to contest the debt with the credit bureaus, but they just keep verifying the debt to them. I sure would like to see what they're sending to the credit bureaus to verify this bogus debt, because they refuse to send me anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: NC

Complaint narrative:
on XX/XX/2022 i spoke with XXXX on behalf of equifax Id # XXXX. she refused to accept my passport card and ftc report to have fraudulent accounts removed and said she would only do so if i sent my social security card in to them which i said was personal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Accordance with the Fair Credit Reporting Act XXXX  Account : BankruptcyXXXX  : XXXX /XXXX  XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have previously filed complained complained against the company regarding accounts that were deactivated and Response came back from PayPal saying the reason for closure my account was accessing via VPN ( a behavior unacceptable by the company ). I would like to note that my my usage of VPN is not for the purpose of anonymity but for the rather due to my access from foreign countries as I travel a lot and I was advised actually by member PayPal support to use VPN when accessing the account which seems to work fine for more than two years ) and yet it is claimed to be suspicious activity and reason behind account closure, I can't seem to wrap my head around this! 

I have reason to suggest the actual cause for account closure to be ( retaliation ). 
Days prior to this incident, I received a notice of a dispute by a buyer of my services and upon opening the dispute I noticed the buyer name to match my own name for a transaction between my own personal and business accounts, I was told that I have filed a dispute against myself and money was later removed from receiving account and not credited into the sending account, clearly suspicious action and suggestive of XXXX XXXX. 
I XXXX  About the incident and expressed mistrust in the PayPal dispute system/process and questioned legitimacy of previous disputes I had gone through and that involved thousands of dollars I lost. 

My account got restricted and later permanently closed following this XXXX so I feel strongly that the actual reason behind closure was retaliation against my action and not because of XXXX because I have used XXXX for more than 2 years without issues in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
My bank card was used fraudulently on XXXX. I called PNC on XXXX to report it, dispute it and cancel the card. There were 11 transactions but only 9 could be disputed at the time, the other 2 had to wait until posted. 2 disputes were filed. On XX/XX/XXXX I filed the dispute for the remaining 2 transactions. On XX/XX/XXXX the provisional credits on my account were reversed, charging back my account. I called and was told I was unreachable and they closed the disputes. I received 2 letters from PNC shortly after XXXX but that is all. No phone call, email, text, voice mail or message on my account. I also questioned why I was never asked anything on XX/XX/XXXX about the disputes when I called if there was information needed. No answer and oh well for you was the basic sentiment given. I reopened the disputes and asked when the credits will be applied since this is fraud and they are to protect me as a consumer with their bank. I was told no credits will be issued and I have to wait 45-90 days until the investigation is concluded to see if I will receive my money back. It was at that time I also noticed that one of the disputes I filed on XX/XX/XXXX didn't have a credit either. It was a new dispute at the time. The person couldn't answer and said, you will have to wait for that as well. This bank let someone use my money and is holding me responsible for it, is what their actions say. I have fraud protection on my account and they are not owning up to it, as they should as a financial institution. I was told that I can call the merchant and ask for the refunds myself since these purchases were not made by me. This is just criminal to me that a bank isn't protecting me from fraud on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-26 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: GA

Complaint narrative:
I wrote a dispute letter, waited 30 days and no respond. Then I wrote a letter asking for validation and no response also I sent in two forms of ID as well as as proof of address. 

Letter that was sent : XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities. I noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong, I'm just saying that Im not 100 percent sure if they are. I also read the Fair Credit Reporting Act, which said that by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me I have never heard of which made me write to you all. 

I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this. Could you please send it to me? Also, please let me know who had access to my files as well. I want the investigation outcome to be sent to the address I put on the form area. 

Thank you for your time and help in this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Our company, XXXX is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Due to the nature of our business model and the typically larger size of our goods, clients are required to pay cancellation and restocking fees if they decide to cancel an order late ( for instance when it has already been shipped out ) as is the case for the client I will describe below. This fact is made clear in cancellation section of our terms and conditions page which I will link here : XXXX XXXX XXXX # cancellation Regarding the client in this case, the made a purchase ( XXXX XXXX ) through our website on XX/XX/2022 and paid by American Express. The order was shipped out on XX/XX/2022 and delivered on XX/XX/2022. However, upon the delivery by XXXX, which we do have tracking for, the client refused the shipment and it was, therefore, sent back to the warehouse of our supplier. At that point, XXXX incurred shipment and re-stocking fees from the supplier. 

Then, on XX/XX/2022, the client filed a chargeback against XXXX for the full {$2100.00} order amount. On XX/XX/2022, XXXX requested a reversal but was denied. XXXX has also tried to contact the customer in this case to resolve this issue amicably to no avail. 

Our company 's concerns with this process, and specifically with the actions taken by American Express, are the following. 

1. How is it not a conflict of interest to have a consumer and their credit card provider deciding whether or not they should be able to take money out of the account of a 3rd party/business? Of course American Express is going to side with their client. 

2. We provided tracking documents by XXXX as well as our cancellation policies to the chargeback center who communicates with American Express on behalf of customers and merchants and, American Express apparently did not even consider this information. 

3. In this matter and similar matters, a credit card holder can, apparently, dispute the transaction time and time again in case they lose but, after a client wins the first round of a dispute, the matter is closed and the merchant needs to pursue other avenues of resolution. Why is this so one-sided? 

In conclusion, I will attach the supporting documents which we provided to American Express by way of the chargeback center ( as American Express and all of these credit card providers refuse to actually talk with anyone themselves ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
They try to collect money from me for something is not belong. I want them to provide me with 2 pieces of information 1 ) Original Contract with my signature on it 2 ) Proof of ownership

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My mortgage company XXXX XXXX XXXX  closed their doors abruptly. They turned over payment history to XXXX. I paid XXXX XXXX Mortgage through their company all the way to XXXX. Then started making payments to XXXX XXXX XXXX XXXX in XXXX. I was never behind on my payments. Due to reporting only until XXXX and I making my payments through XXXX, XXXX XXXX reported me as delinquent and I wasn't. 

When I contacted them about the discrepancy, they told me because I was in Bankruptcy my payments are posting late. They told me I wasn't behind it was my bankruptcy. Then they reported me 90 days due when I was not past due. Not only did I have to pay three mortgages I already paid to keep my house over their errors, they are reporting me as derogative on my credit report now XXXX of XXXX. I haven't been with this company since before the pandemic started in XXXX. 

On top of that, XXXX XXXX is listing my debt as discharged due to bankruptcy on XXXX. My home loan was never in the bankruptcy.

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 2022-08-26 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My mortgage company XXXX XXXX XXXX  closed their doors abruptly. They turned over payment history to XXXX. I paid XXXX XXXX XXXX  through their company all the way to XXXX. Then started making payments to XXXX XXXX XXXX XXXX in XXXX. I was never behind on my payments. Due to reporting only until XXXX and I making my payments through XXXX, XXXX XXXX reported me as delinquent and I wasn't. 

When I contacted them about the discrepancy, they told me because I was in Bankruptcy my payments are posting late. They told me I wasn't behind it was my bankruptcy. Then they reported me 90 days due when I was not past due. Not only did I have to pay three mortgages I already paid to keep my house over their errors, they are reporting me as derogative on my credit report now XXXX of XXXX. I haven't been with this company since before the pandemic started in XXXX. 

On top of that, XXXX XXXX is listing my debt as discharged due to bankruptcy on XXXX. My home loan was never in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My mortgage company XXXX XXXX XXXX  closed their doors abruptly. They turned over payment history to XXXX. I paid XXXX XXXX XXXX  through their company all the way to XXXX. Then started making payments to XXXX XXXX XXXX XXXX in XXXX. I was never behind on my payments. Due to reporting only until XXXX and I making my payments through XXXX, XXXX XXXX reported me as delinquent and I wasn't. 

When I contacted them about the discrepancy, they told me because I was in Bankruptcy my payments are posting late. They told me I wasn't behind it was my bankruptcy. Then they reported me 90 days due when I was not past due. Not only did I have to pay three mortgages I already paid to keep my house over their errors, they are reporting me as derogative on my credit report now XXXX of XXXX. I haven't been with this company since before the pandemic started in XXXX. 

On top of that, XXXX XXXX is listing my debt as discharged due to bankruptcy on Experian. My home loan was never in the bankruptcy.

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 2022-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureaus continue to allow XXXX XXXX to report a {$3600.00} collection account on my credit report, when the debt does not exist. I have contested the debt with XXXX XXXX and demanded documentation to show that I have any debt with their institution. Despite multiple requests, they have yet to provide any of the documents requested. Meanwhile, I continue to contest the debt with the credit bureaus, but they just keep verifying the debt to them. I sure would like to see what they're sending to the credit bureaus to verify this bogus debt, because they refuse to send me anything about 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 2022-08-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The credit bureaus continue to allow XXXX XXXX to report a {$3600.00} collection account on my credit report, when the debt does not exist. I have contested the debt with XXXX XXXX and demanded documentation to show that I have any debt with their institution. Despite multiple requests, they have yet to provide any of the documents requested. Meanwhile, I continue to contest the debt with the credit bureaus, but they just keep verifying the debt to them. I sure would like to see what they're sending to the credit bureaus to verify this bogus debt, because they refuse to send me anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The credit bureaus continue to allow XXXX XXXX to report a {$3600.00} collection account on my credit report, when the debt does not exist. I have contested the debt with XXXX XXXX and demanded documentation to show that I have any debt with their institution. Despite multiple requests, they have yet to provide any of the documents requested. Meanwhile, I continue to contest the debt with the credit bureaus, but they just keep verifying the debt to them. I sure would like to see what they're sending to the credit bureaus to verify this bogus debt, because they refuse to send me anything about 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 2022-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I received a notice in the mail around XXXX of XXXX stating that I was to appear in court because I was being sued by a debt collector called XXXX  Funding, original creditor XXXX, after I had recently attempted to dispute the negative account multiple times with all 3 credit bureaus.

I submitted my answer letter to both the court and the debt collector, requesting validation and proof of the debt. I received a notice from the court stating that they needed more information from the debt collector before they could proceed with the case and allowed so much time for the creditor to submit proof. LVNV FUNDING Corp. failed to provide this information and the case was dismissed by the court in XXXX of XXXX failure to prosecute with due diligence. In my initial response I requested that this negative debt be removed from my credit reports. As of XX/XX/XXXX it was still showing up. I went back to the courts to make sure that the case was actually dismissed and closed and they assured me at that time that it was. I then contacted all 3 credit bureaus and initiated another dispute against the creditor and mailed the debt collector a certified letter with copies of the court papers received showing the dismissed case and again requesting the removal of the account from my reports. A few days later I began receiving multiple letters in the mail from the debt collectors own debt collector and the whole thing appears to be reopen again under the creditor name of Resurgent/LVNV FUNDING Corp .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 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: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
on XX/XX/2022 i spoke with XXXX on behalf of XXXX XXXX XXXX XXXX she refused to accept my passport card and ftc report to have fraudulent accounts removed and said she would only do so if i sent my social security card in to them which i said was personal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
A company contacted me about student load debt forgiveness and consolidation. They said they were affiliated with the Department of Education. They sounded legit and were even able to pull up how much student load debt that I had. I decided to go ahead and do it. After 8 months of paying I realized that I had been scammed. I tried logging into my Student Aid account on this site but could not. I had my password reset. I then accessed my account and found my name and info but the security questions and some of the other info was in the name of the person that had scammed me. I was defrauded out of {$1400.00}. I contacted my bank but they were not able to contact them to get the money bank. All they could do was put a stop payment on them. The company first went by the name XXXX XXXXXXXX XXXX. Then they changed their name to XXXX XXXX XXXX. Again, they defrauded me out of {$1400.00}. I have since had a child and am in the process of building a house. This money would really be very helpful. I wish I could get it back but the bank said they can not help me. Even though this person that defrauded me was impersonating a company and said they were affiliated with the Department of Education. I hope they get shutdown so they can not defraud anyone else.

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