vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request the removal of a debt from my credit report due to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to comply with the provisions of Law 1006.34. This law protects consumers by establishing specific guidelines for debt collection practices and granting consumers certain rights and remedies. After thorough review of my credit report, I have discovered that an invalid debt is listed on my account. The debt in question is associated with XXXX GEORGIA XXXX XXXX. Pursuant to Law 1006.34, debt collectors are required to validate a debt upon request within a specified timeframe. Failure to provide proper validation or demonstrate that the debt is valid and enforceable renders the debt invalid and unenforceable, as well as necessitates its removal from the consumer 's credit report. This company has failed to respond within the specified timeframe or provide any evidence validating the debt. I kindly request that you remove the invalid debt from my credit report immediately. It is important to note that any negative reporting or reference to this invalid debt on my credit history is inaccurate and unjustifiable. I trust that you will handle this matter with utmost diligence and in accordance with the laws governing credit reporting. Thank you for your attention to this matter and for upholding the consumer rights. I look forward to a swift resolution. Sincerely, 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 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a bill for {$13000.00} from Wells Fargo due XX/XX/2023. On XX/XX/2023 I submited to XXXX XXXX bank to pay the amount in full by XX/XX/2023. On XX/XX/2023 Wells Fargo cashed the check charging me {$340.00} in interest + {$29.00} fee. 

In talking with Wells Fargo they state they cash checks on the day they receive them so they are not responsible. 

In talking with XXXX XXXX they say that they mailed the check on or around XX/XX/2023 and it is not their responsibilty. They have provided me a letter to that effect. Also for some reason it is their policy to mail a check when the amount is over {$10000.00} instead of doing a transfer. XXXX XXXX states they are not responsible because they mailed the check in plenty of time to get to Wells Fargo. 

I have requested from both banks that they provide the postmark date. Both banks say they are not willing/able to do that. 

I requested from XXXX to pay Wells Fargo in a timely manor. I followed all of the rules outlined and made the request in a timely manor. Neither bank is willing to take responsibility for this error, and I can not determine who is at fault. Did Wells Fargo misplace the check and cash it late or did XXXX send the check late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-18 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My mother recently voluntarily surrendered her drivers license and now needs to apply for a XXXX ID. 

I contacted the XXXX XXXX XXXX XXXX Citizens Bank regarding the hours when there is access to safe deposit boxes, to retrieve items needed for my mother to apply for her Real ID. My mother and I are both listed on the safe deposit box for access and signatures. 

I was told that the XXXX XXXX XXXX discontinued having safe deposit boxes in XXXX, and the contents of the box had been sent to Citizens in XXXX. My mother received no notification that this was the case. My mother had moved in XXXX ; however she also has an IRA with Citizens Brokerage. Her representative for this account is also based in the XXXX XXXX XXXX. My mother visits the branch typically once per year to make an IRA withdrawal. Citizens XXXX is very aware of her current address and contact info. My name and contact info was also listed on the safe deposit account. I have not moved and received no notification of the boxes being discontinued. 

When I met with a representative on XX/XX/XXXX at the Branch she mentioned that two previous customers has also received no notification of the safe deposit boxes closing. She said retrieving the contents would take approximately thirty business days. I requested that this be expedited since my mother has an appointment with the XXXX on XX/XX/XXXX to get her Real ID. The representative has since confirmed that this can be expedited. Ironically my mother can not set up another safe deposit box until she has her Real ID.

Yesterday I received a phone call from the same representative requesting a signed letter from me stating the safe deposit box number, its location, and where I want the contents to be delivered. The letter should also release Citizens from any liability above their {$1500.00}. Insurance limit. 

I have since written this letter, but why was this requirement not mentioned when I met with her last Friday? Why does Citizens not have a form available that can be filled out to help expedite the process? 

The closure of these safe deposit boxes has not been handled well by Citizens on several levels, first and foremost by not providing notification to owners of the boxes closing. Alumni associations and similar are very capable of locating people when they have moved ; it appears Citizens did not make a concerted effort to contact either my mother or me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Army and Air Force Exchange Service
State: WI

Complaint narrative:
I was contacted by the company XXXX XXXX XXXX XXXX about a Military Star Card ( appears to be some sort of revolving credit account card ) with an inquiry about a recent new account opening and transaction. I stated that I had NOT opened an account with them and that I did NOT make any purchases. 

They noted their files that this was fraudulent activity and immediately closed the account. However, the purchase was still made and the debt remains outstanding and is reflected on my current credit reports. 

I am noting that this account and transaction was FRAUDULENT and that I did NOT open an account or make a purchase with the company XXXX XXXX XXXX XXXX : and their Military Star Card. 

Please resolve and note this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: NH

Complaint narrative:
XXXX I went out to make arrangements for my vacation, using my credit card of a {$2500.00} limit. First step was to put down a trip deposit of {$1500.00}. This was done in person at XXXX 'XXXX XXXXXXXX. Next step was to buy my airline ticket which would put me to my max credit limit. When doing this online we would get up to the part where we would put my cc information, but the computer would say that it would not process. So we had to attempt it again. We tried this 7 times every time it would take the credit information but nothing more- it would never confirm purchase, never allow me to pick a seat, never asked for a name of passenger, never gave me a confirmation number, no email to say any went through. So I finally called the airlines and made my flight. Then I got a confirmation number and on the website could see all the flight itinerary. A month later when I got my cc bill I was charged 8 times for the same amount {$840.00}. This is well over my limit- why did it go so high? And why didn't the cc question fraud purchases from XXXX? I have been trying to work with credit card for the past few months but they are only working with airlines saying I bought XXXX flights. I have been trying to clear this with the airlines but they aren't responding. The day before my flight I found out they suspended my flight- after I had paid for in full. I ended up having to book another flight last minute. I still am being charged for all XXXX flights! But I had no flight to take when I traveled???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX I disputed a XXXX $ late payment on my credit card on a card I barely use. I paid it after they hit my credit score about it and it was on my credit report as unpaid and missed. I paid it, then I tried to talk to the creditor about the accident and I did setup payment reminders on that card but they were unable to update the payment from missed or forgive the remark. XXXX $ XXXX time missed payment is not indicative of how trustworthy I am with making payments over my going on 10 years of making payments on time. It should be able to be removed and not drop my credit score XXXX points. 

The creditor is discover credit card. Overall theyve been my worst creditors out of the 2 credit cards I have open in how helpful they are and how their benefits work is hard to understand. To me it feels a little more personal because I use the card in instances I have no other option just in case so I barely use their services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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: FL

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the permanent limitation placed on my PayPal account, which is associated with the email address XXXX. I believe that this limitation has been imposed on my account due to a mistake or misunderstanding, and I kindly request that PayPal re-investigate my case in order to rectify this situation. 

Firstly, I would like to emphasize that I have not violated any PayPal policies or engaged in any activities that are in contravention of the terms and conditions outlined by PayPal. I have always been diligent in adhering to PayPal 's guidelines, and I have used the platform responsibly for both personal and professional purposes. 

I firmly believe that there has been an error in the assessment of my account, leading to the unjust imposition of this permanent limitation. I have reviewed my account history thoroughly, and I have not identified any suspicious or unauthorized transactions that would warrant such a severe action. Therefore, I kindly request that PayPal conducts a thorough re-evaluation of my account activity to uncover any potential misunderstandings or errors that may have contributed to this decision.

It is of utmost importance to me to have my PayPal account restored, as it plays a significant role in facilitating my financial transactions and XXXX XXXX activities. The services provided by PayPal have proven to be invaluable in enabling me to conduct secure and efficient transactions with customers and vendors alike. The permanent limitation on my account severely hampers my ability to continue my business operations smoothly and efficiently.

In light of the aforementioned points, I respectfully appeal to PayPal to reconsider their decision and undertake a diligent review of my case. I sincerely request that you investigate my account thoroughly, taking into consideration my long-standing history as a responsible and compliant PayPal user XXXX If any mistakes or misunderstandings are identified, I kindly ask that you rectify them promptly and reinstate my PayPal account to its full functionality. 

I have always appreciated the convenience and reliability offered by PayPal, and I am confident that this matter can be resolved through a fair and just re-evaluation of my account. I sincerely hope that you will give due consideration to my appeal and swiftly respond with a positive resolution. 

Thank you for your attention to this matter. I eagerly await your prompt response. 

Yours faithfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: 2288984 Ontario Inc.
State: WI

Complaint narrative:
Here is a transcript of the call. I have not received documents they are referring to. 

XXXX Deposited a new message : " Hello. Unfortunately, our office has been retained at this time to file for a levy and a garnishment in regards to the individual by the name of XXXX XXXX. M O N E Y K E Y, our client has sent several pieces of documentation in the mail offered several ways to handle the matter, amicably. They've also sent several offers via email to the email address that's listed on the contract with them at this point in time. Nothing 's been done and our client is asked. So we contact the employer right away. Our office line here directly is XXXX. We need a return call right away. Thank you for your time. Have a good day. M O N E Y K E Y XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Medical Collection ; XXXX XXXX XXXX in the amount of {$490.00}. 
Per new law, medical collections under {$500.00} should not be reporting. This collection is in violation of that law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
I transferred my account from XXXX to Robinhood by using an ACATS transfer. XXXX charged me a {$75.00} transfer fee. 

This transfer request was submitted to Robinhood on XX/XX/2023. Robinhood clearly states that ACAT transfer fee is reimbursed. On the Robinhood transfer " Terms and Conditions '', I do not see any limitations about reimbursing the transfer fee. Please see the screenshots attached ( 1-3 ). 

The limitation of reimbursing transfer fee was not clearly mention in the transfer request. Had I known of such limitations, I would not have transferred my stocks to Robinhood. 

I talked to numerous Robinhood representative on XX/XX/2023. Until that day, the ACAT transfer has not been completed. The representative I talked to did not mention anything about the ACAT transfer fee reimbursement as well. Please see the screenshots attached ( 7-8 ). 

This seems dishonest disclosure from Robinhood about the ACAT transfer fee. They mention the transfer fee on this link : https : //robinhood.com/us/en/support/articles/transfer-your-assets-in/ However, that link is not public and could not be viewed properly without having a Robinhood Account. Please see the screenshots attached ( 5-6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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: PA

Complaint narrative:
Under the provisions of the Fair Credit Reporting Act, I assert that the list of accounts mentioned below has infringed upon my federally protected consumer rights to privacy and confidentiality, as outlined in 15 USC 1681. 

1. Account name : Bankruptcy # XXXX XXXX. Account name : XXXX XXXX # XXXX 3. Equifax Mortgage Services In line with the Engelhardt v. Gravens ( Mo ) 281 SW 715,719 case and the doctrine of estoppel by silence, it can be reasonably deduced that the lack of evidence presented by me suggests the absence of the alleged debt. 

According to the US Bankruptcy Court, it has been established that they do not report or furnish information to credit bureaus or agencies. 

I kindly request Equifax to remove the XXXX XXXX account from my credit report due to its inaccuracy. Despite multiple attempts on my part to have this account removed, it has been consistently denied, even though other agencies have acknowledged its invalidity or inaccuracy. It is crucial that Equifax takes immediate action to rectify this discrepancy. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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: TN

Complaint narrative:
FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIVED ANY GOODS OR SERVICES FROM THESE FRAUDULENT INQUIRIES AND ACCOUNTS

Company response to consumer: Closed with non-monetary relief