vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
We have been contacted by a law firm / debt collector a lil over a year and a half ago to collect a debt. We have been paying this whole time.

With the prices on everything skyrocketing, we needed help. We requested that Hiday & Ricke work with us on dropping the payments. They very rudely declined to help us any. 
We ended up having to drop the amount of payment on our own. Since then, this firm has been threatening us with final judgement, now they threatening to get our personal info from XXXX XXXX XXXX. They have sent them XXXX commands to be sent my husbands private info. They have since locked us out of the payment portal. We want them to cease and desist all threatening communication. concern ; We are being threatened and harassed by a debt collector / attorney. 
We have been paying this firm, Hiday & Ricke PA monthly for a little over a year for a debt from XXXX XXXX XXXX XXXX. 
We have not missed any payments. But because of the rising cost of fuel, groceries, and utilities, we have become seriously strapped and had to lower the payments we were giving them. We asked repeatedly asked for help to have the payments lowered. They refused to help in any way. 
They have put us in final judgement stating we have to pay the {$8100.00} up front. If we can barely pay the monthly {$300.00} without drowning, we def cant pay that amount. Now hes threatening to take a vehicle we are still paying on. 
We want him to back down and let us do what we can. 
So in turn, we would like to put a cease and desist order on him so he can not continue to harass and threaten us. We want no contact at all from this firm. 
They have us, my wife, and myself so strapped and so stressed, that it is definitely weighing on us health wise. I have XXXX XXXX and the anxiety that comes with it. 
Hiday & Ricke have me stressed to the point that I can barely manage the XXXX. My wife has physical XXXX as well as anxiety and XXXX. XXXX has XXXX XXXXs and this is causing constant XXXX XXXX Jeff Ricke of Hiday & Ricke is making it exceptionally hard to function in day to day life. 
We DO understand that we have to pay this firm for this debt, we have been paying them without missing any payments. But we had to lower the payments so we could survive and pay for groceries, fuel and utilities. 
Therefore we would like to file a cease and desist order on this firm. 

Thank You XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Accounts first delinquency date is XX/XX/XXXX. 
Account was to be removed on XX/XX/XXXX according to Experian report as well as the customer service representative I spoke with in XX/XX/XXXX. Now account removal date has been removed the date of first delinquency is still listed as XX/XX/XXXX but the historical column show date of first delinquency as XX/XX/XXXX. XXXX I called Experian back on XX/XX/XXXX to inquire about this and request the account be removed in accordance with the reporting rules and the statement of the Experian representative in XXXX, the representative said that the account will now be removed in XXXX of XXXX because the first date of delinquency is XXXX of XXXX which is factually incorrect. The date of first delinquency clearly is and is listed listed as XX/XX/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 non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I never been late with this account I working so hard to pay this monthly and this is not acceptable.

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 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo over charges, Wells Fargo holding a check which was paid by my employer causing payments to not go through

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 2023-05-10 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: FL

Complaint narrative:
I am writing to follow up on a letter that I sent to Transunion on XX/XX/2023. I have not received any response or update regarding my request, and I am concerned about the status of my inquiry. 

I understand that they receive many requests and inquiries, but I would appreciate it if you could provide me with an update on my request as soon as possible. I have attached a copy of my original letter for your reference. 

Thank you for your attention to this matter. I look forward to hearing from you soon.

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 2023-05-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2023, I disputed credit report inaccuracies with several furnishers. Despite the FCRA, they didn't inform credit bureaus about my disputes. My updated credit reports still show the wrong information, impacting my credit score. 

On XX/XX/2023, I disputed federal student loan inaccuracies with DEPTEDXXXX, as I'm eligible for CARES Act relief. They wrongly reported late or missed payments, creating financial hardship and preventing me from buying a home. 

I request CFPB 's help in investigating these furnishers and XXXX for non-compliance with the FCRA and CARES Act, and to resolve these credit report issues.DEPTEDXXXX - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic - Update to paid as agree and remove late payments from payment history. 

DEPTEDXXXX - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic - Update to paid as agreed, never late. Remove the inaccurate late payment from my report. 

DEPTEDXXXX - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic - Update to paid as agree and remove late payments from payment history. 

XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy - Delete this account immediately XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy- Please Remove This From My Credit Report Immediately XXXXXXXX XXXX - XXXX - Under 15 U.S.C 1681b Permissible Purposes Of Consumer Reports- Please delete this from my credit report immediately XXXX - XXXX - 15 U.S.C. Section 1681i Paragraph 5 Treatment of Inaccurate or Unverifiable Information. - Please delete immediately XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy - Delete this account immediately XXXX - XXXX - Under 15 US CODE 1681s2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies ( a ) Duty Of Furnishers To Provide Accurate Information - Delete this account immediately. 

XXXX XXXX - XXXX - Under 15 US CODE 1681s2 Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies ( A ) Duty Of Furnishers To Provide Accurate Information. Payment Status Is Inaccurate. - Delete this account immediately. 

Incorrect Name - XXXXXXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, FL, 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 non-monetary relief
Consumer complaint received 2023-05-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2023, I disputed credit report inaccuracies with several furnishers. Despite the FCRA, they didn't inform credit bureaus about my disputes. My updated credit reports still show the wrong information, impacting my credit score. 

On XX/XX/2023, I disputed federal student loan inaccuracies with DEPTEDXXXX as I'm eligible for CARES Act relief. They wrongly reported late or missed payments, creating financial hardship and preventing me from buying a home. 

I request CFPB 's help in investigating these furnishers and XXXX  for non-compliance with the FCRA and CARES Act, and to resolve these credit report issues.DEPTEDXXXX  - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic - Update to paid as agree and remove late payments from payment history. 

DEPTEDXXXX - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic - Update to paid as agreed, never late. Remove the inaccurate late payment from my report. 

DEPTEDXXXX  - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic - Update to paid as agree and remove late payments from payment history. 

XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy - Delete this account immediately XXXX XXXX XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy- Please Remove This From My Credit Report Immediately XXXX XXXX XXXX XXXX - Under 15 U.S.C 1681b Permissible Purposes Of Consumer Reports- Please delete this from my credit report immediately XXXX - XXXX - 15 U.S.C. Section 1681i Paragraph 5 Treatment of Inaccurate or Unverifiable Information. - Please delete immediately XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy - Delete this account immediately XXXX  - XXXX - Under 15 US CODE 1681s2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies ( a ) Duty Of Furnishers To Provide Accurate Information - Delete this account immediately. 

XXXX XXXX - XXXX - Under 15 US CODE 1681s2 Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies ( A ) Duty Of Furnishers To Provide Accurate Information. Payment Status Is Inaccurate. - Delete this account immediately. 

Incorrect Name - XXXX XXXX  Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Address XXXX XXXX XXXX  XXXX, XXXX, FL, 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 2023-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX of 2022 I refinanced my house through XXXX. During this time the loan officer stated to not make a payment until the refinance is complete. I asked him to send me a e-mail so I had something in writing, and he did. I now see that my credit report is showing a late payment during the refinance period.

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 2023-05-10 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: GA

Complaint narrative:
In XXXX of 2022 I refinanced my house through XXXX. During this time the loan officer stated to not make a payment until the refinance is complete. I asked him to send me a e-mail so I had something in writing, and he did. I now see that my credit report is showing a late payment during the refinance period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear PayPal, I am writing this letter to appeal the permanent limitation that has been placed on my PayPal account. I believe that this limitation was placed by mistake, as I have not violated any PayPal policy. 

I have been a loyal PayPal customer for several years, and I have always made sure to comply with all of your policies and guidelines. However, to my surprise, I recently received a notification that my account has been permanently limited. 

I understand that PayPal has policies in place to protect both its users and the company itself, but I am confident that I have not violated any of these policies. Therefore, I kindly request that PayPal re-investigates my case and restore my account if possible. 

I believe that my account has been unfairly limited, and I am eager to work with PayPal to resolve this issue as soon as possible. I am willing to provide any additional information or documentation that may be necessary to help with this investigation. 

Please note that the email address associated with my PayPal account is " XXXX ''. I hope that you will consider my appeal and restore my account. I value my relationship with PayPal, and I hope to continue to use your services in the future. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: Experian Information Solutions Inc.
State: GA

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. Thank 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 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
This complaint is a carry on of the other XXXX complaints that i filed in XX/XX/2022 with cfpb about XXXX and XXXX XXXX in which the debt couldnt be found in either of their systems and verify the accuracy with original date of open on the contract with either Company, now Im receiving the same account just by JEFFERSON CAPITAL trying to collect the same debt as stated above. This debt isnt mine, it belonged to a deceased member. Also this account doesnt fit my current address or anything to verify as mine. Anytime i requested verification of debt actually belonging to me and not just opened in my name i never receive a proper response just about the debt matching my name and a random date to my current living address which has been for the past 3+ years and no XXXX information has ever been sent to me when the fraud happened, so incorrect date for the account opened because i didnt open such a account at my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I requested a wire transfer of {$240000.00} from my online saving account ending XXXX in Marcus by Goldman Sachs to my XXXX XXXX checking account in the morning of XX/XX/2023. Their web site says the wire transfer should be processed in the same business day if the request is initiated before XXXX that day. Because I did a wire transfer from the same saving account in Marcus by Goldman Sachs to the same XXXX XXXX checking account on XX/XX/XXXX and the transfer was processed on XX/XX/XXXX, I am expecting this wire transfer should be processed on the same day because the money is wire transferred to the exact same bank and account. But my wire transfer was not processed on XX/XX/XXXX. So, I contacted Marcus in the evening of XX/XX/XXXX and the agent has no idea and submitted an expedited request for me. In the morning of XX/XX/XXXX, a customer representative from Marcus called me and said they need verification of my ownership in another bank to process the transfer and another bank customer service representative is in the conference call already. I answered all the questions from another bank customer service representative in the conference call and they verified my ownership successfully. Then I ask the Marcus representative when my wire transfer will be processed since you already verified, and I need this wire transfer be processed asap. Then she asked me why you are moving this money to XXXX XXXX. This really made me feel not comfortable, but I still told her because XXXX XXXX has better rate and promotion to open an account and that is why I need this wire transfer to be processed asap so that I can meet the promotion deadline. Then she told me she can not tell when, the wire transfer will be approved by another group. 
Again, my wire transfer was still not processed by the end of XX/XX/XXXX. So, this morning on XX/XX/XXXX, I contacted Marcus again and the representative told me it is still in process, and they don't know when. 
This is ridicules. I chose wire transfer because I think this is the fastest way to transfer money from XXXX bank to another bank. I followed their procedures to initiate the wire transfer and verify my ownership in another bank account, but Marcus seems trying to hold my money and doesn't want to lose my deposit to another bank with no reason. The domestic wire transfer should be completed within 1-3 business days and normally within 24 hours. I already did a wire transfer before from the same account in Marcus By Goldman Sachs to the same account in XXXX XXXX and I even verify my ownership of another bank account with them again and told them to contact me if anything is needed and I just need this wire transfer be processed asap. But still my wire transfer is not processed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10 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: NY

Complaint narrative:
I constantly check my credit report and noticed that there are errors and false misleading information for individuals accounts and didnt meet the credit reporting standards of being XXXX correct. This information has effected my life and damaged my livelyhood. 

This is holding me back from getting approved for a house. I am demanding CFPB to enfore the correction and delete these items. I XXXX XXXX XXXX is authorizing this investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was charged XXXX times by the same check with return check fees to my navy federal account. in violation of the federal trade commision act, I should not have been charged XXXX single time for any low balance returned check fee because i even had overdraft protection on. It has been taken to my credit collections and effected my credit score illegaly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX You are in direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated several of my rights. 
15 U.S.C 1681 Section 602 A Clearly states that 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 an account without my written instruction.

15 U.S.C 16666 B. A creditor may not treat a payment on a credit card account und an open-end consumer credit plan as late for any purpose.

Remove these late fees payments and update this account immediately as you are in direct violation of several laws under The Fair credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX 1925 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX You are in direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated several of my rights. 
15 U.S.C 1681 Section 602 A Clearly states that 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 an account without my written instruction.

15 U.S.C 16666 B. A creditor may not treat a payment on a credit card account und an open-end consumer credit plan as late for any purpose. 
Remove these late fees payments and update this account immediately as you are in direct violation of several laws under The Fair credit Reporting Act.

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