vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I deposited a check through my mobile app on XX/XX/XXXX. It showed as deposited in my mobile app on that day, but by XX/XX/XXXX I still did not have access to the funds. I spoke to ally ( both a XXXX, and then sent to a real person ) via the mobile chat function and that person repeatedly told me that the funds had been deposited and became available on XX/XX/XXXX. I explained how that wasnt possible, that the funds would not become instantly available, and also that I have proof from the sending bank that the funds werent released until XX/XX/XXXX. The agent in the app feature repeatedly told me there was nothing they could do, that the funds has been released, and wanted me to believe I had simply spent or lost {$5000.00} ( the check amount ). When I continued to explain how that was incorrect, their response didnt change and they continued to maintain that my funds had been made available. I asked for a phone number and spoke with an agent on the phone who initially gave me the same non-sensical response, later claiming the money had been made available XX/XX/XXXX ( which was also incorrect ) but when I explained that I am very thorough about balancing my checking account, and that I would ask CFPB to investigate, there was suddenly more information available and the agent acknowledged that I had in fact never gained access to the funds and that it would be up to XXXX more business days before I would have access ( which would now make a total of XXXX weeks before I had access to the funds ). I am extremely uncomfortable that XXXX different agents tried to either convince me that I had the money and spent it, or simply gave me varying information depending on how assertive I was, and also that to this day I still do not have access to the deposited funds.

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 2024-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CarMax, Inc.
State: SC

Complaint narrative:
I won't have my car payment until Friday. I have asked CarMax Financial to please hold off on trying for repossession of my car until Friday. I get paid this Friday and can make my payment. They said no and put out a repossession for my car. I was out of work and diagnosed with a XXXX XXXX This put me behind. I will get caught up and stay caught up if they give me this XXXX last chance. I really really need my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

I am also placing a FTC reference number- # XXXX  so that you can verify the inaccuracy of fraud that is placed on my credit report.

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-22 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: OH

Complaint narrative:
Made a purchase for {$340.00} on XX/XX/23 at XXXX  XXXX. Merchant delivered my order XX/XX/23. Upon inspecting order, it was not what I had ordered. I ordered 7 yards of topsoil. Per their website, the soil contains 50 % soil, 20 % compost, 20 % aged leaf fines, 10 % sand. What I received was mostly wood chips and trash. There was scrap metal, nails, and trash throughout all the soil. I contacted merchant and they didnt get back to me for days. All they said was that it was delivered. I contacted my credit card company to initiate a dispute on XX/XX/23 and I provided the relevant evidence and information. Numerous times they have not resolved the dispute in my favor, saying that I agreed to the merchants terms or service, when that has nothing to do with anything. Their product delivered was not what I had ordered and their terms of service state Im entitled to a refund and return, which the merchant would not let me go through with. Under the fair credit billing act, I believe that my credit card company is failing to confirm as the product I received was not what I paid for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: MA

Complaint narrative:
Received a letter dated XX/XX/ regarding an application for a U.S. Bank Credit Card that was denied. I did not apply for this credit card.

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 2024-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I have wrote this company several times about validating the debt have not received anything from them verifying that the debt is owed to me. I sent certified mailing with no response back from the company. It has been deleted several times but then they put it back on my credit with conflicting dates they are saying I owed the date. Now they say I opened this date XX/XX/XXXX but before that it was XXXX. I never opened this debt at all and dont even know this company at all.

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 2024-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Santander has sent a letter stating they are closing down my vault lockbox at the end of this month but i already paid in advance for the period of 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 2024-01-22 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: MT

Complaint narrative:
I have spent the last six months trying to get my legal name reported on my credit file and these credit bureaus aren't doing anything. There are so many AKA 's listed. I have requested them to remove and after four disputes I got nowhere. Please help

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 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Don't recall receiving the data. This was requested from Navy Federal Credit Union. There were unauthorized charges I had with this account. There are other accounts as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: NJ

Complaint narrative:
Best Egg Company doesn't allow the client to make an PRINCIPAL ONLY payment online. They required the client to call the company for principal ONLY payments. They withdrawal my monthly payment monthly without any issues but the company don't offer you the option to make principal only payments online. They do accept regular payments online but will not allocate the money to principal only. This isn't fair for the consumer. They only accept online payments that benefit them. When trying to make an extra payment online it clearly states that the extra payment will be applied to any fees, interest rate fees, etc. =This isn't fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed 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 2024-01-22 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-22 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-01-22 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: Global Lending Services LLC
State: VA

Complaint narrative:
I have report this matter over and over again and I do not understand why both of these Company is just destroying my credit profile I fine this very stressful I have file XXXX XXXX in United State Bankruptcy Court In XXXX Virginia back in 2019 and it is a fresh Start for me XXXX XXXX is filed and they and they reporting 13 collection with a one defaulted Loan XXXX XXXX and Globel Lending Services Defaulted Loan reported to XXXX XXXX which they using false statement to destroy in anyway they can I have been dealing with the lies and it cost me to not to go on with my life I XXXX XXXX  report to XXXX balance paid off with 15 negative remarks and Globel Lending Balance Paid off so which is it I am asking for both company to be removed from all my credit Reports reporting this has to stop this behavior how can Consumer Financial Protection Bureau is not protecting me How do I file XXXX  XXXX and still be destroyed do you all know my base score is under XXXX and I have paid all my bills on time since I file in 2019 is this because I am a XXXX women doing right because I have report this a lot of time and nothing changes

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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:
I'm deeply troubled by this matter and it's impacting my sleep. I've consistently made payments on time, so I'm requesting an immediate update to my account due to the distress it's causing me.

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 2024-01-22 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: PA

Complaint narrative:
Someone is applying for credit cards and its not me. Since XX/XX/2024.

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 2024-01-22 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Lie number 6 experian closes 3 while working on another 3 issues problem is there all the same which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I disputed inaccurate information for the account XXXX XXXX Credit XXXX of XXXX  with the creditor. Accordingly, as per the FCRA the creditor is required to conduct a reasonable investigation and modify or delete the disputed information as I requested before the end of the 30 day period of the date in which they received my original claim. Upon my dismay, the creditor failed to conduct a reasonable investigation for the dispute. As attached you can see the inconsistencies between the 3 credit bureaus. Experian is reporting a duplicated account for the same creditor and the same balance twice. However, theres several inaccurate information between the two reports for the same credit account. The account is reporting as potentially negative/ delinquent/past due 120 days when the account is currently positive and paid as agreed. The last active date reported was XX/XX/2023. The monthly payment is reflecting a monthly payment of {$250.00} and a balance of {$3000.00}. The creditor is in violation of my FCRA rights and is committing double jeopardy therefore negatively impacting my credit score.

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 2024-01-22 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I closed the Navy Federal Credit Union bank account checking and savings. However, they reopened the account only due to money i owe them on a credit card. The actual debit is at a credit and collection company. Little over {$11000.00}. This is causing me significantly issues with me receiving medical assistance. The institution will not provide me a letter of closure. And the collection company doesnt have that information to provide me. I closed the account around XXXX i dont have those records anymore. It exceeds the 3-5 years of documentation requirement for proof to the state for tax reporting. I am on XXXX and have been for over XXXX or more. The state of Colorado hasnt inquired about this account in the previous 5 years. I dont know why they wont give me my benefits that Ive had for the last XXXX years. They are saying i have to provide proof of amount in this account. I DONT have this - its not a open cash account- its only open because of the debit they are trying to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING LLC is reporting a Collection account. {$1.00}, XXXX past due as of XXXX XXXX this is not true. I have a XXXX XXXX XXXX : {$650.00}, I have disputed this with them and my credit agency and they won't change the balance. XXXX XXXX Customer Number : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: EdFinancial Services
State: OR

Complaint narrative:
Current email has the amount due up to {$350.00} due date XX/XX/24 We believe the account has been paid in full for years They won't talk to me or my daughter over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I opened a business PayPal account in summer of XXXX. I sold XXXX XXXX XXXX  of dollars worth of merchandise with PayPal, PayPal also takes a fee from every transaction. On XXXX I went to log into my account like ever other day and I received a message that I could not longer use PayPal. No reason to as why. I called several times and several days in a row and no agent could give me a reason to why they closed my account. On top of my account being closed they were holding several XXXX of dollars. I began calling again when I found out I couldnt transfer my money to my bank, and still no answer or when I will receive my money. This is horrible business practice and its been several months and Im still without my money. The money that they have made a profit on with all their fees. I also have several refunds from companies such as XXXX XXXX XXXX XXXX XXXX that have tried to refund my money and PayPal is claiming they dont have it, but I have proof they accepted the refunds to my account.

Company response to consumer: Closed with explanation