vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Michel Law, LLC d/b/a Level One Law
State: FL

Complaint narrative:
On XXXX I called to close my account from XXXX XXXX  or XXXX XXXX XXXX XXXX. After several weeks waiting to receive my refund, I called again on XX/XX/XXXX the customer office said that they have to do something manually, so they closed the account. In that time, they said my refund will be send directly as a transfer to my check account no by check. Again, I wait almost two weeks and nothing I called again they said that I will receive my refund of XXXX by check. I told them that is impossible because I paid almost XXXX dollars for 9 months. I requested who was the accreditors that they paid, and which was the honorary that they took. The customer officer says : " is in the contract ''. I asked for the contract again and nothing. I sent two emails with my frustration ; they said that I have to call because they can not resolve the issue through email, so I called again yesterday XX/XX/XXXX. I requested again to the customer officer which was the accreditors that they paid. The customer officer said : " the name of the company and was XXXX. So, I responded and the rest of the money? which was the amount of the honorary : the customer office said : " I don't know is in the contract that you signed '' " but I saw these 4 charges : XXXX, XXXX, XXXX, XXXX ''. 
This still unacceptable and XXXX XXXX didn't respond to me in a fair and accurate manner. 
For at least 9 months they deducted at least XXXX dollars from my account. 
Im very dissatisfied and disappointed about this service from XXXX and Im requesting the fair and accurate reimbursement from my money that I put with a lot of sacrifice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
Received email XX/XX/XXXX  stating that " You recently added the account ( s ) : XXXX XXXXXXXX XXXX Checking XXXX account '' with instructions to log on to FNBO Direct at a specific URL and Activate the external account in this " FNBO Funds Transfer '' service. 

This was my only alert or notification that something was wrong, and I do subscribe to XXXX for credit monitoring. 

I called FBNO Direct today XX/XX/XXXX  XXXX XXXX XXXX, and spoke to a woman who confirmed that the person initiating this fraudulent transaction has my name, email, social security number, address, and date of birth, and that I should report the fraud on ftc.gov, which led me here. 

There is nothing else that the government can or will do to help me, or to stop this type of thing from happening. I am not reassured at all. You can't even protect my SSN.

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 2023-11-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 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.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

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 2023-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
My father died XXXX of this year XXXXand he left me and my sister the house and going threw probate and court to get things changed over they wouldnt help me and know Im in foreclosures and I cant get them to work with me been trying since my father passed away

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: MD

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I was told that this card was open back in 2017 for the amount of {$300.00}. by XXXX XXXX CARD. THIS debt was bought and sold to Spring Oaks Capital LLC. I have repeatedly asked them for a copy or proof that I have sign for anything, something. Spring Oak has not provided me with a copy of my signature on anything. without my signature there is no proof that this card belongs to me because I have never opened this credit card. I have sent written note and mail to them but to no avail. this is still on my credit report, and I would like to have it removed. this is affecting my everyday life of applying for a loan of lower rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked XXXX XXXX this morning and it shows that my score went down XXXX POINTS - the reasons why : " Collection Removed '' and " First Premier Balance Decreased. '' THESE ARE POSITIVE OCCURRENCES. I CALLED EQUIFAX AND THEIR FOREIGN CALL CENTER ADVISED I CALL A CREDIT COUNSELOR TO FIND OUT WHY MY SCORE DECREASED XXXX POINTS. 

THIS MUST BE CORRECTED IMMEDIATELY. MY SCORE SHOULD BE IN THE HIGH XXXX IF NOT XXXX!!! FOR SOME REASON THESE BUREAUS WANT TO KEEP CONSUMERS CREDIT SCORES LOW TO CAUSE HIGHER INTEREST RATES. IT'S A WIN-WIN SYSTEM FOR THE CREDIT SYSTEM AND A NOTHING BUT BS SYSTEM FOR THE CONSUMERS. 

I SUGGEST A CLASS ACTION LAWSUIT BE BROUGHT ON TO DESTROY THE STRUCTURE OF THE CURRENT CREDIT BUREAUS AND CREATE THEM WITH INTEGRITY AND CONSUMER PROTECTION IN MIND AND NOT CONSUMER DEFAMATION OF CHARACTER BY CREDIT SCORE. MANY PEOPLE HAVE THIS ISSUE WITH THEM, NOT JUST ME. 

I WANT THIS CORRECTED ON MY REPORTS IMMEDIATELY AND FEEL THAT ANYONE THAT EXPERIENCES THIS NONSENSE BE ISSUED AN APOLOGY LETTER ALONG WITH FINANCIAL COMPENSATION FOR THE WASTE OF TIME AND MONEY THAT THESE BUREAUS CAUSE OUR LIVES. 

THE SYSTEM IS RIGGED AND MUST CHANGE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: HI

Complaint narrative:
Dear PayPal Support Team, I hope this message finds you well. I am writing to contest the permanent limitation placed on my PayPal account, linked to the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, I have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is of utmost importance to me, and I am fully committed to addressing any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I have confidence that this review will uncover an error or misunderstanding. I am prepared to provide any necessary documentation or information to substantiate my appeal. Reinstating my PayPal account would not only relieve my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process expeditiously. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: VA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc
State: GA

Complaint narrative:
This bank charged an account in XX/XX/23 its showing last payment made XX/XX/23 also showing open on XXXX along with missed payment reported today, This is a violation. Also showing late payments for the last 8 month when they had the vehicle in their possession, also a violation. I will be reporting this to FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: NC

Complaint narrative:
XXXXnotifed fraudulent charges on account at approximately XXXX and called WF to cancel card. Further charges were attempted later that day. 
Called XX/XX/XXXX for update-claim was denied Went to local WF on XX/XX/XXXX and claim was escalated to resolution team Called XX/XX/XXXX for update-claim continues to be denied. Requested documentation used to make this decision. 
Received documentation XX/XX/XXXX. XXXX XXXX phone was used to make charge to a bank in Florida. ( I live in NC, have a XXXX phone, and do not bank with the credit union in Florida ) The IP addresses documented do not match my phone or home computer. 

Wells Fargo continues to refuse to credit my money back despite having documentation to prove the charge was NOT authorized.

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 2023-11-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: IN

Complaint narrative:
NetSpend didn't provide provisional credit. 

I followed NetSpend dispute process, after my debit card was stolen and unauthorized charges were made.

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 2023-11-22 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: IL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

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 2023-11-22 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: Guild Holdings Company
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency canot furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

The late payment of {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX, XXXX has violated my rights. 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. 

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

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 2023-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-11-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT CREDIT 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 non-monetary relief
Consumer complaint received 2023-11-22 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: FL

Complaint narrative:
I HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT CREDIT 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 2023-11-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: DEBT 0, INC
State: TX

Complaint narrative:
I signed a contract with them on XX/XX/2023. They started debiting me from XX/XX/XXXX until XXXX and they never gave me a response and my card balances kept going up and they kept charging me without doing anything. In 7 months they did not negotiate my card balance with the bank, they debited me {$1500.00} and when I canceled with them they returned only {$860.00}. They damaged my credit irreversibly for 6 years or more by not paying or negotiating I have proof of the money debited. The company is deuda cero in XXXX XXXX XXXX, XXXX XXXX  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Barclays Bank of Delaware mistakenly claims that I requested online statements in lieu of paper statements. Lacking a paper statement, two payments were missed in XXXX and XXXX, XXXX. Barclays error has led to a massive reduction in my FICO score from XXXX to XXXX, which will impact my ability to borrow and the cost of any future borrowings. The account was opened in XXXX  and until Barclays ' error, had years of a perfect payment history. 

I have pursued this matter directly through Barclays who is unwilling to accept my explanation. Despite this, Barclays has been unwilling or unable to support their claim that I personally requested online billing as opposed to paper. The most likely explanation is an internal error at Barclays led to coding my account as preferring to receive online as opposed to paper statements. 

I have also pursued this matter directly through XXXX, XXXX and XXXX. Their automated complaint system is not sophisticated enough to address my complaint properly and my complaint to each resulted in no change to my record. 

Barclays error has unfairly harmed me and my outstanding credit record. I would be grateful for any help you can provide. Thank you. 

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