vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-05 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: MA

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$9700.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am permanently banned from using PayPal and I am extremely dissatisfied with this decision. I have been a loyal customer for several years and have never had any issues with my account. I believe this ban is unjustified and I request a thorough investigation into the matter. Furthermore, I demand that my account be reinstated immediately, as this ban is causing significant financial harm to me and my business. I look forward to a swift resolution to this matter. My Paypal Email Address : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland funding, keeps reporting different amounts to the credit reoprting agency 's every month to show activity on the account. One month they report XXXX then the next month they report XXXX. This action keeps the account showing activity. I've tried to advise them they can't keep doing this and they fail to stop or correct the problem. Midland Funding, reports the same two amounts every other month with the two amounts showing activity. They also report different balances to each credit reporting agency, to show activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Bought an engagement ring from XXXXXXXX XXXX XXXX XXXX XXXX and financed through a promotional offer ( XXXX XXXX interest ) through getting the XXXXXXXX XXXX XXXX XXXX XXXX from Comenity Bank. 

I at XXXX set up automatic payments ( XX/XX/XXXX ) to prevent myself from needing to check the account and ensure payments were made on time. 

XXXXXXXX XXXX later, I received paper mail stating my account was past due and was delinquent. I logged into my portal to find out that the automatic payments were creating returned check fees. 

No email, no call, no immediate communication was given that the account information provided was not correct ( they do not let you copy & paste account numbers when setting up autopay but type and apparently I missed a XXXX in the account number ). 

No system controls in place were used by Comenity to confirm account number or reach me when their systems were resulting in return check charges. 

After an unsuccessful call to Comenity to try to resolve the dispute, I messaged using their portal ( which failed to transmit multiple times ) the following dispute ( they have still not provided communication or feedback on resolution ) : Disputed Amount & Transaction ( XX/XX/XXXX Interest Charged On Purchases : {$6.00} XX/XX/XXXX Minimum Interest Charge : {$2.00} XX/XX/XXXX : Return check charges {$30.00} XX/XX/XXXX : Return check charges {$41.00} Reason for dispute. Please see attachments where I have explained and tried to resolve the fact that the billing system WAS NOT actually conducting auto-payment resulting in the - {$240.00} deductions followed by " adjustments ''. There were no emails XXXX calls that return check charges were being conducted ( check your system ). 

In addition on XX/XX/XXXX being so annoyed that YET ANOTHER automatic payment was made with a returned check fee ( even though I haven't had automatic payments since the original dispute, AND have only XXXX bank on file which was making manual payments without error ) that I decided to link another bank account to just pay off this XXXX thing. When trying to make THAT payment ( XX/XX/XXXX ) their system threw an error saying it was unable to make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
This complaint involves receiving a phone call at my phone from Focus Receivables Management , LLC, on XX/XX/2022, the lack of any formal letter following the initial communication on that date, and the repeated calls that have ensued after that date. Attached to this complaint are images of my call logs and the Letter of Intent to Sue which I have prepared in hopes of resolving this complaint amicably. I would like the CFPB to look into this company 's unscrupulous business practices and take appropriate action to stop future XXXX  by telephony.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I XXXX XXXX sent a dispute letter to Transunion in XXXX disputing accounts being reported. XXXX, 2023 I received dispute results from Transunion report # XXXX and all the accounts came back verified. XXXX XXXX, 2023 I sent a request for proof of verification of all the accounts verified from Transunion dispute report 15USC 1681i. Transunion has failed to send me the procedures they took to verify these accounts, names of persons who verified accounts, employee/badge numbers and direct phone numbers of who verified the accounts from the furnishers. XX/XX/2023 In Transunion response they stated they were unsure of my request. I XXXX XXXX am simply asking for proof of verification from Transunion dispute report to ensure accuracy on report # XXXX XXXX XXXX XXXX XXXX a ) ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description

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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I sent two letters for validation to Lvnv Funding LLC on an account posted to my credit report. First letter sent XX/XX/22 with NO response. Second letter sent on XX/XX/22 again NO response with validation. 

After no success with the collection company, I then sent two letters of validation to XXXX credit bureau to have the account validated. First letter sent XX/XX/22 No response. Sent a second letter XX/XX/22 NO response with validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC advertised a XXXX  % interest rate savings account, which can only be opened online. I opened a savings account expecting to get the XXXX  % interest rate. The online information does not state the interest rate. After XXXX month, I saw that the interest applied was XXXX %. I called PNC and they said that I do not qualify for the XXXX  % rate. But there was no transparency as to how to qualify or whether I qualified. XXXX reason PNC stated for not qualifying is that I live in XXXX. But when I enter my zip code in the PNC website, the same offer appears.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-02-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I XXXX XXXX submitted a dispute to Equifax in XX/XX/XXXX. In XXXX XXXX I received a response from Equifax stating Equifax needed to verify my identity before disputing any account. I have disputed accounts reported by Equifax several times from the same address the past two years. Accounts have been reported by Equifax on my consumer report and Equifax has never contacted me the consumer to verify any account reported before they report. 

I have attached my dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: MD

Complaint narrative:
YOU HAVE VIOLATED THE RULES OF THE LAW Pursuant to XXXX XXXX ( a ) ( XXXX ) The banking system is dependent on my consumer report being fair and accurate. After looking through my consumer report I noticed that my report is inaccurate, and this inaccurate information is unfair for me because I was never notified of inaccurate information being furnished and I was never notified during this corporations initial investigation whether this information was true or not. Pursuant to XXXX usc XXXX ( a ) ( XXXX ) - This grave mistake has undermined my confidence in your companies line of action, and because of this I will not be extending credit any longer and if this information is not removed, I no longer want my information reported in your companies records. Pursuant to XXXX usc XXXX ( a ) ( XXXX ) Your corporation is a XXXX XXXX XXXX  This mistake your company has caused has destroyed my reputation and this has adversely affected my credit worthiness. Pursuant to XXXX usc XXXX ( a ) ( XXXX ) - Your company has assumed this role. You were never given permission by me the consumer, so not only did you fail in the initial investigation for this information. You also assumed this role and assumed this information was valid. Which is a XXXX of my consumer rights. Pursuant to XXXX XXXX ( a ) ( XXXX ) You did not make sure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You were XXXX XXXX  XXXX side of the story and never consulted with me to find out if this transaction actually took place. As a result of this XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to XXXX XXXX ( a ) This consumer reporting agency has been verifying most of my disputes with no proper investigation. What is the method of verification? The XXXX XXXXXXXX XXXX XXXX XXXXt on my Equifax consumer report is inaccurate because there is no witness to partake who was there during the transaction. In pursuant to XXXX XXXX ( XXXX ) To have a proper investigative consumer report there has to be an individual who is being interviewed witnessing the transaction. I also need to know if this information being verified is factual information. I need all of the details knowing that I am involved in these investigations. If there is no individual that was interviewed, and the verification is inaccurate then this is fraud and this account must be removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a Wells Fargo checking account from when I was XXXX  until I was in the middle of completing my XXXX XXXX and routinely had my withdrawals structured and delayed so that they would overdraft my account and ensure a fee. 

I attempted to contact Wells Fargo to dispute the late fee and was told by customer service that despite all of the charges being put into in a relative order to ensure the funds were present they directly restructured the payment schedule and I was unable to request the late payment be forgiven because I had requested too many be forgiven in the past.

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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
XXXX XXXX ( Bank ) XX/XX/20XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2022 received advertisement for application, applied and was denied and reported! 

XXXX XXXX ( Bank ) XX/XX/2022 I don't recognize this application.

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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: OH

Complaint narrative:
I keep trying to apply for an installment loan from Klarna. I made several purchases with them and have paid them off early or right on time with no issues. I have been trying for 3 years to make a new purchase but with no avail I cant create a new card. The reason I am given by a pop up is that I maybe missed a payment. When I called customer service they tell me my payment history is good every thing paid on time and in full. I know I have good credit so it cant be that either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent two letters for validation to XXXX XXXX XXXX on an account posted to my credit report. First letter sent XX/XX/22 with NO response. Second letter sent on XX/XX/22 again NO response with validation. 

After no success with the collection company, I then sent two letters of validation to transunion credit bureau to have the account validated. First letter sent XX/XX/22 No response. Sent a second letter XX/XX/22 NO response with validation.

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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have hard inquiries appearing on my XXXX report that are fraudulent and are not mine. 
XX/XX/XXXXXXXX JPMCB card services 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 2023-02-05 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: TransferWise Ltd

Complaint narrative:
https : //wise.com/ this is a website, and this is the email to make the account : XXXX. I sent to them all documents then they closed my account. i want to reopen my account but they are not replying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was calling to report my card as lost and was told that they could not give me a replacement because my account was closed. They said my account was closed because I have an outstanding balance of {$500.00} from a check that was cashed 2 years ago which is impossible because I was XXXX XXXX XXXX at the time and I have never had a job. I used my account to receive money through XXXX and send money through XXXX. I seriously need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was charged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and more from various bank accounts, as well as accounts opened under my name. Please help me. Furthermore, XXXX  tried to take XXXX XXXX from my account but was blocked due to suspicious activity on all my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX  ( Bank ) XX/XX/2022 received advertisement for application, applied and was denied and reported! 

XXXX XXXX XXXX Bank ) XX/XX/2022 I don't recognize this application.

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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
XXXX XXXX ( Bank ) XXXX XXXX, 2022 XXXX  XXXX ( Bank ) XX/XX/, 2022 received advertisement for application, applied and was denied and reported! 

XXXX XXXX XXXX Bank ) XX/XX/, 2022 I don't recognize this application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
During COVID Carrington would not allow me to do a forbearance because they stated I did a loan modification in 2019. Then I was finally offered me the opportunity to do another loan modification however they are still trying to proceed with foreclosure even though I have submitted all required documents for the loan modification multiple times via their website portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX ago a Wells Fargo banker fraudulently opened a credit in my name. I called and spoke to someone in customer service and the card was closed and an apology was extended.

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 2023-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act 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

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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I have hard inquiries appearing on my XXXX report that are fraudulent and are not mine. 
XX/XX/XXXX XXXXXXXX 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