vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear Sir/Madam at CFPB, I would like to file a complaint against PayPal, which has accused me of violating their financial policies, even though I am simply a seller of virtual goods from games and cryptocurrency. Due to this accusation, PayPal has confiscated my funds from two separate email accounts. The amounts taken were {$1200.00} from the email address XXXX and {$1200.00} from XXXX. I humbly request that you, in your esteemed authority, help provide justice for me and my family, so that PayPal will return my total amount of {$2400.00} to my XXXX  account with the email address XXXX. I am deeply grateful for your assistance. 

Thank you very much. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: COMMERCE BANK
State: TX

Complaint narrative:
Commerce Bank illegally and continues to break all fair crediting acts they were served with the season desist to where they couldn't sell my credit to anyone they couldn't sell the debt to anyone this car was not mine to begin with I was authorized user and I never use the card and they know it it was from my deceased Aunt the account was opened up XXXX XXXX of 2024 that's the first time that it showed up on my credit report with XXXX we are now in XXXX of 2024 by the Fair crediting act they can not have this on my credit history and 2024 this is over XXXX XXXX XXXX this is illegal and they know it they've been contacting more than a hundred times in the last XXXX XXXX to remove this from my credit report and I want all negative remarks from this company removed from my credit report now

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: TX

Complaint narrative:
XX/XX/year> purchased a brand new generator for {$1500.00} Approximately XX/XX/year> generator arrived with clear shipping damage, tested generator same day and contacted reseller They refused refunding or replacing citing the generator was powered on despite it not arriving originally in the condition purchased, offered only {$150.00} as credit. This resolution was not acceptable and advised against by manufacturer approved service centers local to me ; who advised that the generator part that was damaged can create a safety risk in operating it and reseller should be able to fix/replace regardless of use.

Opened credit card dispute around XX/XX/year> after still getting an unsatisfactory resolution with Paypal dispute. Paypal policy for refund requires return shipping, received quotes for {$1200.00} to ship generator which makes this unfeasible.

Approximately XX/XX/year> got notification of digital letter from credit card company and noticed reverse charge {$1500.00}. The portal to manage the credit card does not allow digital letters to be viewed as it has not been implemented yet by Paypal. Spoke with credit card customer service who advised a paper copy should also be coming shortly and asked for reasoning of dispute being cancelled. Rep cited that the seller showed proof the generator was sent to us, I advised that the dispute was not for none receipt but for damaged product being sent. Rep apologized and advised to reopen dispute and advised they will make the reasoning more explicit.

Approximately XX/XX/year> dispute was closed again, spoke with customer service rep who advised they can not speak about the reasoning and I should be receiving a paper copy. I advised that I have yet to receive any paper/mailed information of the first dispute cancellation. They advised to be patient and it will arrive for both eventually.

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 2024-10-19 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: TX

Complaint narrative:
XXXX XXXX  illegally and continues to break all fair crediting acts they were served with the season desist to where they couldn't sell my credit to anyone they couldn't sell the debt to anyone this car was not mine to begin with I was authorized user and I never use the card and they know it it was from my deceased Aunt the account was opened up XX/XX/XXXX of 2024 that's the first time that it showed up on my credit report with XXXX we are now in XXXX of 2024 by the Fair crediting act they can not have this on my credit history and 2024 this is over XXXX years old this is illegal and they know it they've been contacting more than a hundred times in the last 10 years to remove this from my credit report and I want all negative remarks from this company removed from my credit report now

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 2024-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX illegally and continues to break all fair crediting acts they were served with the season desist to where they couldn't sell my credit to anyone they couldn't sell the debt to anyone this car was not mine to begin with I was authorized user and I never use the card and they know it it was from my deceased Aunt the account was opened up XX/XX/XXXX of 2024 that's the first time that it showed up on my credit report with TransUnion we are now in XXXX of 2024 by the Fair crediting act they can not have this on my credit history and 2024 this is over XXXX XXXX XXXX this is illegal and they know it they've been contacting more than a hundred times in the last XXXX XXXX to remove this from my credit report and I want all negative remarks from this company removed from my credit report now

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 2024-10-19 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: GA

Complaint narrative:
Recently I looked a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy Here is the Item I am asking you to verify as accurate 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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
I would like to file a formal complaint against XXXX and Freedom Mortgage Company regarding their refusal to remove an inaccurate mortgage account from my credit report, despite both XXXX and XXXX having already done so. This unresolved issue has caused me significant stress and hardship, and I believe XXXX failure to remove the item is unjust and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The mortgage account in question, Freedom Mortgage, has been disputed for inaccuracy. Following my dispute, both XXXX and XXXX investigated the matter and promptly removed the item from my credit reports after determining it was indeed incorrect. However, despite my repeated requests and providing all necessary documentation, XXXX has yet to take the appropriate action and continues to report this erroneous information. 

This prolonged inaction by XXXX has resulted in undue stress and has negatively impacted my ability to manage my credit. As an individual who has taken great care in maintaining responsible credit practices, the presence of this inaccurate item is unfairly damaging my credit profile. I believe it is only fair and reasonable that XXXX follows the same course of action as XXXX and XXXX and removes this item from my report immediately. 

I am requesting that the CFPB intervene and hold XXXX accountable for failing to resolve this dispute in a timely and fair manner. The resolution I seek is simple : the immediate removal of the Freedom Mortgage item from my XXXX credit report, as has been done by the other two credit reporting agencies. 

I trust that the CFPB will investigate this matter thoroughly and ensure that XXXX complies with their obligations under federal law to provide accurate and fair reporting. Thank you for your time and attention to this important matter.

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 2024-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: GA

Complaint narrative:
I applied for this loan on XX/XX/year> It did not clearly state that it was a payday loan and the interest is 435 % on {$1100.00} far above what should be allowed in Georgia I would like to pay it back but it's affecting every area of my life! this is predatory and should not be allowed. this company is not licensed with 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 2024-10-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: AL

Complaint narrative:
On XX/XX/XXXX i had cancelled my account with XXXX to switch over to XXXX. XXXX offer to pay out my contract with XXXX since Im switching over. XXXX paid the remain balance which was XXXX dollars. But XXXX keep billing me after XXXX paid it off and the devices was returned back to them. I paid the XXXX XXXX XXXX XXXX XXXX in month payment of XXXX each month because they said if i pay XXXX it will be considered the account paid in full. Now i have this collection agency Jefferson capital calling saying i owe XXXX for the XXXX bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I took out loan from Navy Federal Credit Union and decided not to pursue purchase of a vehicle so called and canceled the loan with them. Everything was cleared up. Later I requested that they remove the open account from my credit report that showed a new open account in the amount of XXXX dollars. As of today 's date no action has been taken to restore my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: VA

Complaint narrative:
FTC Report Number XXXX Amount stated is not valid.. please provide physically proof. I don't owe possibly someone with a similar name.. Bankruptcy - The courts do not report to credit bureaus this information is unverifiable and inaccurate/ invalidated account. Removal from all credit agencies as soon as possible.

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 2024-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As of XXXX ; My balance and debt to child support in the form of a loan that shows on my credit report has been terminated and now has a balance of " zero ''. I sent notification to the credit companies to show that I no longer owe this debt. I have uploaded the court order and its findings In its entirety showing that the account Is indeed closed and the balance is no more. on XX/XX/year> I receive notification that the balance has been validated and there will be no changes made. 
This to me is why no one can truly trust these companies. I have done my due diligence and taken care of the matter and supply a legal court document showing that the matter is concluded so simply get told that the matter is validated and it will remain when I get a document from the source itself.

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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 I have the right to privacy. 

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

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

Company 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 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
This account does not belong to me and should be removed immediately. I have no signed contracts with this company and have requested documentation to no avail from this company

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CO

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo overdrafted my account on XX/XX/XXXX for one charge bringing me into the negative. 2 days later the organization allowed another charge of {$27.00} to process on XX/XX/XXXX and stated I had one more extra grace day period to cover this charge by XX/XX/XXXX XXXXXXXX XXXX EST, I deposited funds to cover the charge of {$27.00} before the date/time provided. However, Wells Fargo still applied a charge because the account remained negative even though I deposited funds within their time frame to cover the specific transaction per their instructions : which is predatory and unjustly charging my account multiple times ; even though I followed their guidelines. I contacted Wells Fargo and they could not clarify their legal jargon in correspondence and have been uncooperative in assisting me with this matter

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 2024-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When I attempted to cash in my CHASE Bank XXXX, at my CHASE bank, both the manager and another " account specialist '' at that CHASE bank ( in the cubicle directly next to him ) decided they were going to play a mean-spirted trick on me. 

I went into the CHASE bank to cash-in mXXXX XXXX, instead of renewing. And was issued a check for the balance, plus interest, of {$120000.00}. 
For the next few days, I mulled over what I should do with the money ; cash it, cash part of it, invest it back into another XXXX  with a bit higher rate... I then decided to cash it, deposit it, and give myself time to think. I went to an even more nearby XXXX XXXX. The teller at that XXXXXXXX XXXX informed me " This is a paper, " dummy '' check. It looks like a XXXX XXXXopy. We can not cash it. '' Just about beside myself with a case of shock, I walked to the CHASE bank where the manager had issued me that check, and stood in line to cash the check. The teller told me the same thing the teller at XXXX had told me, " This is a dummy check, I can't cash it. '' So there I stood, dumbfounded. I asked to speak to the manager who had issued me the check. He came over, and with a sly grin, said " Sorry sir, that is a fake check, it is just a " XXXX XXXX  check. '' And that account is closed. There is nothing we can do. Again, I'm sorry. '' I was livid. And described in detail, and very audibly, for all to hear, that I was was just in this bank, days before in your cubicle. You issued me this check! And I'm not leaving until I get my {$120000.00}! The manager insisted on playing his trick out further, even though the line behind me was getting longer, and everybody was now listening intently. He said " You are getting too loud, I am going to ask you to leave ''. I said " Are you accusing me of theft? Of copying a check on a copying machine, and asking you to cash it? I'm not going anywhere. And besides, you know if this check had been cashed, and when, and where, and by whom. '' He relented. And issued me a " real '' check. I then walked back to XXXX and deposited it. 

This trick was beyond anything XXXX, or anyone, should ever have to put up with. It was a horrific experience. And worse of all, was done for amusement. 

Here are the details : XX/XX/year> CHASE BANK XXXX XXXX XXXX. 
XXXX XXXX, Ca. XXXX XXXX and issuer of the " XXXXXXXX '' check for {$120000.00} : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 non-monetary relief