vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WEBULL PAY HOLDINGS (US) INC
State: NY

Complaint narrative:
I opened a new account with Webull Pay, with an intent to invest in cryptocurrency. However, given the surge in cryptocurrency prices recently, I no longer want to invest and I want to transfer my funds out of Webull Pay. Webull Pay has informed me that they are not allowing me to transfer my own money for XXXX  days. 

This " XXXX  day '' rule was messaged to me as a " updated security measures ''. It is completely unacceptable to acknowledge that the money is mine but do not allow me to withdraw it. XXXX  days means loss in other investment opportunities that I have. 

If they have security concerns, they should give customers a way to submit supplementary materials like a letter of good standing, not disallowing customers to have access to their own money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This is a smile generation financial card. It offered a XXXX no interest. The dental procedure was done on XXXX XXXX but they charged me almost {$3000.00} interest saying that I didn't pay it full on last week of XX/XX/XXXX. I needed up payment {$10000.00} plus and I am still paying until now. This caused so much financial strain. I didn't noticed this until XXXX week of XX/XX/XXXX and I requested for leniency to waive percentage of the interest charged but they didn't budge at all. I was willing to pay it full and pay partial of the interest but they did not agree even though I am still within XXXX days from due date. The company showed no mercy. They insisted that the credit was opened on XXXX. This is not clear to me when I agree with their financial agreement that it is not XXXX  months from the service was done when the clock starts. I disputed it being that though the credit card was opened on XX/XX/XXXX the procedure was not done until XXXX due to rescheduling due to unforeseen event. I asked and requested on several occasions to be clear that the XXXX  months is when the procedure was done the dental assistant said yes just call the smile generation which I did. I paid my remaining balance on XX/XX/XXXX and still paying the {$3000.00} interest but until now this bothers me and over and over again caused me anxiety on how unfair the matters took. 

They rushed me that I needed the dental procedure have me sign the paperwork as it is an emergency nothing was explained clearly. If I would have known that they started it when the credit was opened and not when the service was provided I would have not agreed to it. They even not willing to work with me on decreasing the interest they charged I was transferred from XXXX person to another multiple times with rep with XXXX accent I could barely understand and just keep transferring me and dropping my calls until I gave up as it was causing me so much stress at that time and just started paying for the interest. They didn't even gave me a grace period. I paid my balance in full on XXXX week of XXXX they said it was due on XXXX XXXX. I want this investigated and return what ever is due to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed this student loan with equifaz stating that the account is older than 7 years and should not still be reporting on my credit report. I have yet to hear a response from Equifax nor received any documentation responding to my request. I ask that this account be removed immediately. Please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
Someone got my virtual card number on my Apple card. They tried to use the card but apples fraud protection stopped it, which is great. I spoke to Apple Goldman. And they gave me a new virtual card number. 

But, who ever had my old card number continues to try and use it. I haven't lost any money. But I keep getting all of the notifications from my old card number. Its been happening for a week straight now. I have spoken at least 15 different reps from Apple and Goldman Sachs nobody can or will do anything. I no longer no if the notifications from Apple card are real or accurate. This is causing me a lot of stress and duress and effecting my mental health. Im starting to believe this may be a legal matter since Apple is continuing to send my fals fraud notifications from a card number that is no longer mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: MD

Complaint narrative:
According to the FCRA the account named, MOHELAXXXX has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of accurate debt if valid ; ( 2 ) the debt owed is a culmination of what alleges to be fraudulent charges ; retained deposits, were not returned, were undisclosed and unaccounted for.

Name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or
any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: OH

Complaint narrative:
Received random letter from American Coradius International LLC to collect a debt on behalf of XXXX, XXXX that I do not nor have ever owed. 

The claimed amount owed is {$220.00} as of XX/XX/XXXX, and I verified electronically and by voice that : 1 ) I have not owed XXXX, XXXX any money since XX/XX/XXXX, and that amount of {$57.00} was paid in full. 
2 ) My balance is {$0.00} and has been for two years 3 ) I have never made a purchase on XXXX for the amount the " Collector '' claims is my debt. 

Additionally the account number listed is not correct for either my XXXX cash account or the credit card account. It isn't even close. 

As with all scam spam, they provide various links and avenues for me to question or dispute them, but only after I provide them with information, most likely my SSN, my actual XXXX account # 's, etc. I don't even want to call them because if they have my number, I'll be dumped into some spambot outgoing scam call file. 

Checked them against XXXX, and it is a similar scam to others who have left warning reviews. Reporting here to make sure more than just XXXX  knows who these scam artists are.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: WA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Submission Re : Unresolved XXXX Transaction Reversal Dear CFPB, I am writing to file a complaint against US Bank regarding an unresolved XXXX transaction. 

On XX/XX/year>, I initiated a XXXX transaction in the amount of {$2000.00} to XXXX as XXXX with XXXX number XXXX. Subsequently, the recipient initiated a reversal of the transaction, resulting in the funds being deducted from my US Bank account without being returned. 

Despite multiple attempts to resolve this issue with US Bank, including filing a formal dispute, I have been unable to recover the funds. I have received confirmation from an unnamed individual at XXXX XXXX  that the funds were indeed deducted from the recipient 's account. 

I believe that US Bank has failed to adequately investigate this matter and take appropriate action to resolve the issue. 

I request that the CFPB investigate this matter and take appropriate action to compel US Bank to return the funds to my account. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-11-17 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: PA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: PA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Ii contacted original creditor, they state the account being reported came up at an address unfamiliar with me, someone elses names and said they would investigate. The collection company refused to provide any information requested and refused to remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
Very confusing the way they are applying the payments and calculating the interest, something is wrong this balance should be lower and we do not feel we owe more than half of the loan now. I think this is a scam and they are not calculating the interest rate correctly. We will talk to an attorney is needed. The payment schedule is so confusing, and I really believe they do not know what they are doing. Attached below is the payment schedule. The payment is not being applied correctly, and interest is not being calculated correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I received ( what I know now ) was an email from Synchrony Bank, in regards to my recent Sam 's Club Credit Application. I followed the link and entered my personal information, pressed submit, but it led to a blank page. I then looked up Synchrony Bank contact number and called to inquire about the email, they and the Sam 's Club Representative they transfered me to said they don't send emails and it was fraud. So to contact you.

I contacted and placed an alert on my credit bureaus right before contacting you.

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Reporting late for XXXX. XXXX payment made on XX/XX/XXXX. XXXX XXXX  refuses to update the information even though they have proof and I hve requested an investigation multiple times. I have also sent proof to the reporting bureaus multiple times.

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 2024-11-17 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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this 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 2024-11-17 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: TX

Complaint narrative:
On XX/XX/XXXX I mailed a certified letter requesting the XXXX items that are turned into charge offs on my credit profile, but I never received a 1099-c. I requested the 1099-c to be mailed to my address .I explained that I had a hardship that prevented me from making payments and kindly requested a copy of the 1099-c for both accounts reporting on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
According to the FCRA the account named, JEFFERSON CAPITAL SYSTEMS LLC has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of accurate debt if valid ; ( 2 ) the debt owed is a culmination of what alleges to be fraudulent charges ; retained deposits, were not returned, were undisclosed and unaccounted for.

Name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the d
ebt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Financial Resources, Inc.
State: ME

Complaint narrative:
On XX/XX/year> talked with XXXX XXXX XXXX about modeling representation. 
Company proceeded to say that any income i received from model bookings would deduct that amount from XXXX XXXX balance which was stated to be XXXX with a collection fee of 40 %. I never received any model bookings and asked with in the 30 days to void partnership. 
Now four years later the XXXX XXXX XXXX is trying to collect a debt of XXXX $ which I do not have and unable to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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 a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this 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 non-monetary relief
Consumer complaint received 2024-11-17 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this information from my credit report.

Company response to consumer: Closed with non-monetary relief