vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Home Loan Center, Inc.
State: VA

Complaint narrative:
The website took me to lenders who have a history of stealing people 's information and don't intend on approving the percentage of applicants they say they approve. They recommended websites with ads and cookies I didn't want that were also spam. I now have a hard inquiry on my report because of their falsehood. I was told a soft pull. They lied multiple times. The lenders took my information and kept contacting me for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: DE

Complaint narrative:
XX/XX/XXXX i was sent a text message from affirm alerting me that they had not received my payment so i logged in and made a payment. Unbeknown to me the payment i had previously scheduled to pull on XX/XX/XXXX also went thru in the amount of {$150.00}. so i made XXXX payments totaling {$300.00} on XX/XX/XXXX which is a XXXX. i notice right away on my bank account that both payments had pulled from my checking account and saw they were pending. I contacted Affirm on XX/XX/XXXX XXXX business days from XX/XX/XXXX and they advised me that they do no submit refunds of payments that are more than 3 days old. I escalated the call knowing as i work in American banking for a private lender that this is not accurate, and XXXX XXXX stated that no they would not give me a refund because it was more than 3 days. well if you are counting XX/XX/XXXX is XXXX business days from XXXX exactly and nowhere in the XXXX do people refund payments while the payment is pending, typically you have to wait XXXX business days until the payment posts before you can request a refund well not in affirms policy they refuse to refund me and now i am unable to maintain my financial obligations with my other bills this month in XX/XX/XXXX because affirm wants you to request a refund while they payment is still pending. I will never do business with affirm again, i am so upset that they would treat customers this way. i did my due diligence and made my payment by scheduling it for when i got paid, affirm took that payment and then asked me the same day for the same payment again so i complied and when i ask for the 2nd payment back they state they refuse. Shut them down. How are we as consumers supposed to survive while we are constantly being exploited by these corporations. Knowing this is not typical business practice i advised them of such and asked them for an employee id they refuse only giving me the name XXXX, this is how a supervisor acts?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Over the past 4 months, I have acquired 7 overdraft fees. Each fee is {$36.00}, totaling {$250.00} in fees. 
It was verified by an employee on the phone that i spoke with on XX/XX/23 that I never approved overdraft protection services. These fees and the associated transactions that triggered them shouldnt have happened. 
In addition, the policy is that you have until XXXX the day the overdraft occurred to add money to avoid a fee but nearly every time I have experienced this, the fees happen OVERNIGHT when Im sleeping. I go to sleep and my account is in good standing, in the morning it is negative with Multiple Overdraft fees. I was denied any refunds because of an error they did/corrected back in XXXX that resulted in a refund of an overdraft fee. So because they corrected an error, I am not eligible to request a refund of overdraft fees for a year. 
I asked how do I avoid Truist approving transactions when my account is low and I was told some things may be approved regardless. 
I check my account on the app often and ensure I have money before I spend it. Transactions dont display the same day sometimes. It is hard to manage your money with this bank. 
I feel this is incredibly unfair and confusing and I am eager to get my money back, switch banks and tell everyone about my experiences with Truist.

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 2023-10-11 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: AL

Complaint narrative:
You opted to not respond to my dispute letter and, therefore, you failed to verify that these accounts belong to me before the end of the 30-day period beginning on the date that you received my dispute letter.

Now, under 15 U.S.C. 1681i, of the FCRA, it states that all unverified accounts must be promptly deleted from my credit file. The files listed below are inaccurate and unverified and I am requesting that you delete all of them from my credit report immediately.

You are also required to send me a copy of my credit file showing that these items have been removed.

Please provide me with a copy of an updated and corrected credit report showing these items removed. 
account name account number XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES I DID NOT APPROVE 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 explanation
Consumer complaint received 2023-10-11 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: AL

Complaint narrative:
You opted to not respond to my dispute letter and, therefore, you failed to verify that these accounts belong to me before the end of the 30-day period beginning on the date that you received my dispute letter.

Now, under 15 U.S.C. 1681i, of the FCRA, it states that all unverified accounts must be promptly deleted from my credit file. The files listed below are inaccurate and unverified and I am requesting that you delete all of them from my credit report immediately.

You are also required to send me a copy of my credit file showing that these items have been removed.

Please provide me with a copy of an updated and corrected credit report showing these items removed. 
account name account number XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES I DID NOT APPROVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WI

Complaint narrative:
Aidvantage said I had to recertify my income before it was necessary. They said I needed to recertify by XX/XX/XXXX but according to information from the Federal Student Aid Website the earliest that I would need to recertify is XX/XX/XXXX. This in turn will cost me about {$2500.00} in payment that I did not need to pay. Additionally, information on their website should be factually correct instead of deceptive in nature. Please see the attached documents for the conflicting information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
COLLECTION ACOUNT POSTED ON MY CONSUMER REPORT, VALIDITY OF THE COLLECTION ACCOUNT. I NEVER SIGNED A CONTRACT WITH CREDENCE RESOURCE MANAGEMENT NEITHER HAVE I DONE ANY BUSINESS WITH THEM. NEITHER HAVE I SIGNED ANY CONTRACT WITH XXXX XXXX XXXX. I DO NOT OWE THIS DEBT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I spoke to them in XX/XX/2023 and Im not able to pay {$87.00} at all due to XXXX from XXXX XXXXthey still wanted me to pay even though the amount was smaller i still can not pay!

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 2023-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo suddenly closed my account for " inactivity '' on XX/XX/XXXX, despite being active with the last transaction taking place on XX/XX/XXXX, only a month before. constantly checked my email to confirm I was being paid via Venmo as well. 

I constantly checked my email to confirm I was being paid via Venmo as well. Was told " After a period of inactivity, Paypal/Venmo will send the User an email ( sent from XXXX ) explaining that the account has been inactive for too long, and give a timeframe for transferring the funds out of the account. '' They claimed they send notifications on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

NONE of this is true. I tirelessly searched through my inbox and archives, there was not a single notification and " XXXX '' does not exist otherwise it would have shown up. The closing of my account in XXXX was sudden and Venmo dismissed it completely. Escheatment laws define dormancy as inactivity of three of five years, not one month. I even send a screen shot of my inbox searching from XX/XX/XXXX to XX/XX/XXXX and there was not a single notification other than who I paid or who paid me. 

Also was informed there are no unclaimed funds as of now and they are asking for a Proof of Delivery letter ( XXXX ), which I forwarded to Venmo. Still no response. 

Venmo pretty much pocketed my money and ignored me possibly in an attempt to avoid any liability for their scam. I am not convinced otherwise. 

They just took {$160.00} from me and now there is currently {$140.00}, so I am down {$300.00} total for no reason. They will will not let me add a card or bank account to claim any funds, nor will they let me refund it back to people who tried to pay me. I am pretty sure XXXX is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

This accounts and Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: FL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: UT

Complaint narrative:
XXXX  XXXX XXXX began calling me in XX/XX/2023 in regards to an account I supposedly had with them. I have never opened any accounts with this bank. I thought I had resolved the issue in XXXX. XX/XX/2023 this account shows up on my credit report and drops my report by XXXX points. I have since been in contact with XXXX  XXXX XXXX XXXX XXXX XXXXe account has been closed and I am still waiting for documentation to be sent through postal service. They said it will take XXXX business days from XX/XX/XXXX. I have disputed this through the credit agency and am trying to get this removed as it is hurting my credit report tremendously.

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 2023-10-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Description of the Incident : Over the course of the past year, unauthorized transactions were detected on an XXXX account associated with our business. This was discovered during a quarterly audit, where it became evident that these transactions blended with our legitimate XXXX activity, making them initially challenging to detect. 

Dates and Amounts : The exact unauthorized transactions spanned the duration of the last year. Specific dates and amounts were not mentioned, but the frequency of these transactions increased noticeably over time. 

Actions Taken : Upon realizing the anomaly, we liaised with XXXX customer service for clarification. XXXX then confirmed the existence of a fraudulent secondary account created under our identity. They provided us with a REFERENCE number : ticket number XXXX and acknowledged the issue. 

Subsequently, we raised the matter with Bank of America ( BOFA ) by filing a claim ( Claim # XXXX ). Despite presenting the evidence, BOFA declined the claim. The bank 's reasons for denial seem to revolve around the extended duration of the unauthorized transactions. We suspect an oversight on BOFA 's part, as a representative may have misfiled and misunderstood the scope of the fraudulent transactions. 

Current Status : We are in a precarious financial situation due to the Covid pandemic, trying to manage SBA loan repayments. With BOFA being an SBA partner, their lack of support during this ordeal has exacerbated our financial woes, pushing our business closer to bankruptcy. 

Request : We seek a thorough investigation and resolution from both XXXX and BOFA, hoping for a refund of all unauthorized 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 monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX there was a withdrawal of {$200.00} on an ATM in XXXX in XXXX XXXX and another one of {$800.00} in XXXX XXXX XXXX in XXXX, the scammer also transferred my savings to my checking account to add to the account. I called to make a fraud claim and they gave me a provisional credit until they saw it was fraud or not, so the provisional credit made the scammers bought stuff from the next day from pending to granted. On XX/XX/XXXX they also stole and bought {$950.00} worth of XXXX  in XXXX and then got gas for {$110.00} in XXXX. All of this was pending but the provisional credit that the bank gave me, approved the payments of all that the scammer bought, they said it wasnt fraud because the card was used physically even though I had my card with me and I have a XXXX XXXX, there was no reason to go to one ATM to another.

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 2023-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Dear XXXX, XXXX AND OR XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are not accurate for the following items : Party Owed : XXXXXXXX XXXX Amount : {$13000.00} Account Number : XXXX Party Owed : XXXX XXXX Amount : {$2000.00} Account XXXX Party Owed : Bk of America Amount : {$60000.00} Account XXXX I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS " CONSUMER '' ACCOUNT. IT IS FRADULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim.

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