vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 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: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
I purchased an event XXXX XXXX XXXXXXXX on XX/XX/year> for {$100.00}. I never received an receipt, a confirmation email, or any communication through XXXX. I reached out to XXXX via their help center and was instructed to reach out to the third-party event organizer. There was nothing XXXX could personally do. Even though I have bought tickets before via XXXX and received them. 

The event was hosted by a company called " XXXX, '' which is the third-party organizer. They had no email or way to contact other than a " Contact '' tab on their website. I filled out the information and sent a message of my issues, attempting to receive my ticket. I never received a response or an automated email that it was received. I attempted twice. 

This is when I escalated to the credit card company. Apple Card. They have been unhelpful, unwilling to listen, and are consistent on that I am not providing enough evidence and that their investigation claims I am at fault here. I have provided what I have. 1 ) an automated email from XXXX. 2 ) a picture of my ticket inventory. 3 ) the contact form at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: MS

Complaint narrative:
A predatory lender, XXXX, showed up on my credit report as being in collections. They apparently sold the debt to DRS who has my phone number because they have tried calling me and have sent one text offering to settle for half of the amount XXXX and DRS claims is owed. 

I've never taken out a personal loan in my life, I've never applied for a loan with XXXX, I never received any paper bill or statement, no email, or phone call for this loan, and never received any money from XXXX. This is fraudulent and has functionally turned into extortion with a debt collector reporting me to credit bureaus and demanding repayment. 

The credit bureaus, and others, would like supporting documentation which is impossible for me to provide since I never applied for this loan, never received any money, and never had this listed on my credit before DRS reported this as being in default. So no documentation exists. Someone used my identity to get money and now I'm stuck with trying to clear it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have been a customer of wells fargo for almost 20 years, I have their XXXX Banking product which includes certain features. The features that are pertinent to me are a free safety deposit box and no minimum for my checking account. 

They have been trying to get me off this account for almost 10 years, over the years they have tried numerous shady methods but I have been quite vocal about not changing unless i can get the same or better service. 

I got a notice that my account is changing in XXXX to an account type that will cost me money and I raised an exec complaint where WF basically told me that there is nothing I can do and I will be paying for these services that I previously was not paying for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient reported to my credit bureaus a late-payment during the Presidents " On-Ramp '' program timetable. I have paid off the loan in full once they did that, but the reporting of missed payments has significantly impacted my credits. I filed disputes with the credit bureaus, but that did nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
After completing all the requirements for the {$400.00} promo below, Valley decided to close my account, presumably to have to not pay out the promo bonus. They say the reason is due to information from XXXX, but they had that information when they allowed me to open my account. I met the terms for the bonus, and I am owed {$400.00}. 

" Valley National Bank is offering a sign up bonus of {$400.00} when you open a new Valley All Access Checking+ and completing the following requirements : Receive two or more qualifying direct deposits with a cumulative total of {$7500.00} or more within 90 days of account opening. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I placed an order on XX/XX/year> with XXXX XXXX ; I received my order and the majority of my order was missing. I tried to call, and was told I couldnt speak to anyone had to email. My order was supposed to consist of XXXX items. You all sent me XXXX items. XXXX out of the XXXX items were damaged. I didnt realize that there was shattered glass in the box ; only to end up with glass on my bed, trying not to cut myself. Frustrated is an understatement ; I paid you all almost XXXX weeks ago.. and I still dont have my product. I reached out to my bank for help recovering my funds. I was told because it was an ACH I wont be able to recover my money. Now I have no product and my money is gone according to chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Deinde Online Services, LLC
State: MS

Complaint narrative:
A predatory lender, XXXX, showed up on my credit report as being in collections. They apparently sold the debt to XXXX who has my phone number because they have tried calling me and have sent one text offering to settle for half of the amount XXXX and XXXX claims is owed. 

I've never taken out a personal loan in my life, I've never applied for a loan with XXXX, I never received any paper bill or statement, no email, or phone call for this loan, and never received any money from XXXX. This is fraudulent and has functionally turned into extortion with a debt collector reporting me to credit bureaus and demanding repayment. 

The credit bureaus, and others, would like supporting documentation which is impossible for me to provide since I never applied for this loan, never received any money, and never had this listed on my credit before XXXX reported this as being in default. So no documentation exists. Someone used my identity to get money and now I'm stuck with trying to clear it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
On XX/XX/year>, I sent certified letters to XXXX XXXX XXXX, LVNV Funding, XXXX XXXX and XXXX XXXX XXXX requesting verification of a debt they claim I owe. In the letter, I specifically asked them to provide : 1. **Proof that the debt is mine**, including a signed agreement or contract with my signature.

2. **Evidence that they are legally authorized to collect this debt in XXXX** XXXX such as proof of their licensure in the state XXXX XXXX XXXX. 

Despite this formal request, XXXX XXXX XXXX, LVNV Funding, XXXX XXXX and XXXX XXXX XXXX has not provided any of the required documentation. I have not received any proof that I owe this debt, nor have they demonstrated their legal authority to collect in XXXX. Without this information, I believe the collection efforts are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I am now seeking assistance from the CFPB to resolve this matter and ensure that XXXX XXXX XXXX, LVNV Funding, XXXX XXXX and XXXX XXXX XXXX complies with their legal obligations to verify the debt and their right to collect it and if they are unable to remove the debt from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant anxiety and distress they are causing 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 non-monetary relief
Consumer complaint received 2024-09-26 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: IL

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant anxiety and distress they are causing 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 non-monetary relief
Consumer complaint received 2024-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: IL

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
1. Clients Personal Information : - Full Name - XXXX XXXX - ID NO. / Driver License - XXXX - Date of Birth - XX/XX/XXXX - Country - USA - Address - XXXX XXXX XXXX XXXX. XXXX, FL XXXX - Phone Number - XXXX - Email Address - XXXX XXXX. Information About the Fraud : - Fraudulent Entity ( ies ) Name ( s )- if any - Company name " Goway '' - Fraudulent Entity ( ies ) Domain ( s ), or simply : scam website- if any - gowayagents.com ( I will attached the screenshot in this email ) - Total Amount Lost and Currency - $ XXXX - Payment Method ( s ) ( Wire Transfer / Credit Card / Debit Card / ACH / XXXX ) - XXXX XXXX XXXXXXXX XXXX  ) - Credit/Debit Card ( s ) Type ( XXXX / XXXX / XXXX ) - Debit - Number of Transactions ( the transactions to the scammer or the scammer 's wallet, and NOT from a client 's bank to an intermediary ) - 17+ - Date of First Transaction - XX/XX/XXXXXXXX XXXX  Date of Last Transaction - XX/XX/XXXXXXXX XXXX Financial Institutions Involved - Wells Fargo ( I have withdraw money from XXXX and put it to Wells Fargo and also I have transfer money from XXXX XXXX XXXXXXXX to Wells Fargo as well ) =========XXXX XXXX XXXX XXXX XXXXXXXX {$100.00} XXXX {$100.00} XXXX {$500.00} XXXX {$3600.00} XXXX {$7400.00} XXXX {$80.00} XXXX {$3200.00} XXXX {$2500.00} XXXX {$3000.00} XXXX {$1500.00} XXXX {$7300.00} XXXX {$3500.00} XXXX {$42.00} XXXX {$3500.00} XXXX {$1100.00} XXXX {$7400.00} XXXX {$3400.00} Total : {$48000.00} ================= XXXX transfer from XXXX to WellsFargo XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} Total : {$11000.00} XXXX from XXXX to WellsFargo XXXX {$1500.00} XXXX {$600.00} XXXX {$250.00} Total : {$2300.00} =========================== Online Web Transfer from XXXX to WellsFargo XX/XX/XXXX {$2500.00} ========================== XXXX  to XXXX XXXX {$1000.00} XXXX {$54.00} XXXX {$150.00} XXXX : {$1200.00} ======================== Bank transfer XXXX XXXX XXXXXXXX cash credit card to WellsFargo XXXX {$10000.00} XXXX= Cash Withdraw from XXXX XXXX {$2500.00} XXXX {$9000.00} XXXX {$6000.00} XXXX {$4000.00} XXXX {$1000.00} XXXX {$8000.00} XXXX {$8000.00} XXXX {$1000.00} XXXX {$1000.00} Total : {$40000.00} ================================ Cash deposit to WellsFargo XXXX {$8100.00} XXXX {$1200.00} XXXX {$3900.00} XXXX {$2000.00} XXXX {$3800.00} XXXX {$150.00} XXXX {$900.00} XXXX {$100.00} XXXX {$8000.00} XXXX {$3900.00} XXXX {$3900.00} Total : {$36000.00} ============================ XXXX ATM XXXX {$5100.00} XXXX {$5500.00} XXXX {$520.00} XXXX {$520.00} Total : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited a {$250000.00} check into my Bank of America account on XX/XX/year> at a branch. They placed a hold on the check of 7 business days until XX/XX/year> even though the funds have already been withdrawn on XX/XX/year> from the account from which the check was drawn. They plan to hold my funds for 7 business days before giving me the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-26 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: TN

Complaint narrative:
On XX/XX/year>, I mailed a letter to Experian, XXXX, and XXXX requesting them to remove inaccurate information from my credit report. They did not respond, so an additional letter was mailed out on XX/XX/year>, to Experian, XXXX, and XXXX requesting that the debt be validated and to send me a copy of all original contracts validating the debt. All but one responded ; however, they did not validate the debt, and the inaccurate information remains on my credit file. Experian and XXXX responded

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: NM

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked over my credit report and saw that I have many hard inquiries on my credit profile that I don't recognize. 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 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: FL

Complaint narrative:
I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These issues include inaccurate account listings, multiple unauthorized inquiries, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am done paying off car I have the pink slip in my possession yet Capital One continues to try to collect money even though I am in possession of the pink slip making me the official owner of my car they are aggressively violating my rights by trying to collect on a debt that is paid off in full they are trying to nibble and get thousands more.

Company response to consumer: Closed with explanation