vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: DE

Complaint narrative:
On Sunday XX/XX/2024 at XXXX PM, I used SendWave ( XXXX Remittance ) app to {$340.00} to my nephew in XXXX. This is supposed to be an instant money transfer. The transfer kept showing processing for XXXX hours. So I decided to contact SendWave. I tried both their chat box and phone call. 

Each person I chat or talked to told me I should allow XXXX hours and even that they are not sure. " Even that they are not sure '' part concerned me so I told one to called my transaction so that I can get a refund. As I report this, the transaction is still showing processing, meaning that they have not cancelled the transfer because I never got any notification from them as well. 

What I read in their FAQS on how do I cancel a transaction says that " If the funds have not yet been delivered to your recipient 's mobile wallet, you can call us to get a refund for the transfer. '' At this point I don't it as if all my request to let SendWave cancel my transfer has fallen on deaf ears. I have read in their reviews where some customers complained they gave up on getting their money back after several frustrations. 

All I want is my money back from SendWave.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Apple Card with Goldmen Sacs has closed my card effective XXXX I have had the card for approximately 6 months made on time payments with no issue and multi payments in a month with over {$6000.00} in payment. 

I received a generic response via email stating-There was a failure to comply with the terms of the Customer Agreement. 
When I called apple card support, they are not able to provide any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: MD

Complaint narrative:
EXPERIAN BUREAU IS REPORTING XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - PAID OFF BUT AN AMT OF {$1500.00} XXXX. XXXX XXXX  OPENED XX/XX/year> - I HAVE A PROVIDED THEM WITH MY POLICE REPORT SHOWING I WAS A VICTIM OF IDENTITY THEFT AND FRAUD. THEY STILL HAVE NOT REMOVE FROM MY ACCOUNT XXXX XXXX IS REPORTING XXXX. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX FRAUD 2. XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX  XXXX FRAUD 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - PD OFF BUT AN AMOUNT OF {$1500.00} XXXX XXXX IS REPORTING XXXX. XXXX XXXX XXXX  HITTING MY ACCOUNT BOTH IDENTITY THEFT. WAS REMOVED ONCE AND PUT BACK. ONLY SHOWING XXXX CARD ON XXXX OTHER CREDIT BUREAUS XXXX XXXX  XXXX SHOWS XXXX CARDS ON THIS BUREAU ONLY - IDENTITY THEFT/FRAUD

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 2024-06-05 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: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/XXXX the charges started on my card that were fraudulent. I was contacted on XX/XX/XXXX that there was activity that was suspicious. A full XXXX days that somebody else was using my card for XXXX XXXX, XXXX XXXX memberships, and lots of XXXX dinners, where nobody ever has to sign or see anybody. I was rescinded {$1300.00} and that was great. Unfortunately Citibank now is telling me that I owe late charges and interest fees. I call them weekly for updates and never get anywhere. I am passed between Security Operations and Customer Service. They also re-charged charges that are XXXX ( which I don't use ) and a virtual fitness club. This is an absolute nightmare that just will not go away. The late fees and charges are {$130.00}. They have reported to the credit bureau a complaint that I have not paid my bill. I have had the card since XX/XX/XXXX. I have never missed a payment and and have always paid my bill in full. They have ruined my credit because of this. 
I have also filed a complaint with the XXXX Police Case number XXXX. 
I have no way of uploading all of the statements.

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 2024-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I am filling a complaint against this company because I have written this company on three different occasions requesting a copy of the purchase agreement and or any other documents bearing my signature showing that I have legally binding contractual obligation to the alleged amount they claim that I owe. This company has not provided me with a purchase agreement or any other type of documentation bearing my signature. If this company can not validate this debt or produce documentation proving their claim, they are required Under Section 809 of the FDCPA to stop all collection and remove this account from my credit. 
Additionally this account is not a valid debt, as the debt collection agency listed on my credit report, LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES does not have a license to operate in the State of Arkansas, where I reside. As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), a debt collection agency must be licensed in the state where it operates and the state where the consumer resides. 
Given that LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES does not have a license to operate in California, I request that you immediately remove this collections account from my credit report. If you are unable to verify the legitimacy of this debt, I request that you remove it as well, as it is in violation of the FDCPA and the RFDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In XXXXXXXX XXXX XXXX XXXX Bank of America is showing a 30x late on my CC. I not only had automatic payment set up at this time but it shows refunds of any and all late payments and interest charges. I was told by Bank of America its inaccurate and to dispute with all XXXX credit bureau agencies and they would put notes in the system and it would be resolved. Unfortunately it wasnt resolved. Now Im fighting with Bank of America directly to resolve and it is still showing on my report. Its affecting my credit, its inaccurate and I want it resolved ASAP. 

In the last year the service has been awful and I have been with them for 20 years!! Spending hundreds and thousands of dollars with them and always paying my balances in full every single month. They accidentally took duplicate CC payments from me and it took them 2 months to give the money back. They take hours to answer calls now and after 20 years- this is so disappointing.

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 2024-06-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Village Capital & Investment LLC
State: PA

Complaint narrative:
The VACP program started XX/XX/XXXX. My lender was supposed to get me applied for it. I havent heard back but I need this to keep my house

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have taken immediate action by reporting the incident as I have become a victim of identity theft. It is crucial to address this matter promptly, given its detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-06-05 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

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 2024-06-05 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: FL

Complaint narrative:
I've noticed some unfamiliar items on my credit report, indicating potential identity theft as I haven't authorized these accounts. This situation has been previously discussed, and I'm now requesting expedited removal of these accounts from my report. Their presence is causing considerable stress as they inaccurately reflect my financial history and management. Addressing this issue has proven challenging, and if resolution isn't achieved promptly, I'm prepared to seek legal recourse to safeguard my rights and seek a resolution. 

These erroneous entries on my credit report pose a significant obstacle, hindering my ability to achieve important financial milestones such as homeownership and supporting my family. I'm hopeful that we can swiftly rectify this matter and restore accuracy to my credit profile.

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 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2024-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Effective Type Amount 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  navient was the loan servicer for this loan servicer. Also as you can see that my XXXX XXXX was taken and I was not notified that these garnishments were taken out of my check and also the XXXX XXXX were also in my late husbands name as well as mine. XXXX XXXX XXXX. I did not know that our XXXX XXXX was going to be taken from me as this XXXX XXXX was in both me and my late husbands name at the time of the garnishments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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 2024-06-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an Amex Gift Card from my employer This is the second card I have received that does not work anywhere. I have tried to use it in store and online, and it is declined everywhere. I called the customer service number and they said that they couldn't help and that I needed to go back to my employer and ask them to fix it. I am unable to fix this and Amex is unwilling to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
The representative informed me that HE could record me but I was not allowed to record HIM at which point I told him to email me..there was never any more correspondence.

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