vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Yes I hope this message finds you in the best way you can be, God bless you.

I've recently opened a new account with American express on the date of XX/XX/XXXX, I moved in the mist of the cards getting to my old address. I therefore had a death In my family. Well I used my digital form that was sent to me and purchased XXXX dollars in items well after not receiving my new cards and my statement I called in to make a payment ask about my cards I was appalled buy the news I received from the agent first she said my balance was XXXX dollars. If that's not gut wrenching she then tells me my account is closed and in collections and that multiple deposits where returning on my account I became very concerned and made a fraudulent charges claim It was accepted my the globel fraud department at American express and was told under the FDIC I was coverd and I should receive new cards with a new account number I spent 5 hours clearing up all this and I was told to call back following day to get information about my new account my credit score was XXXX when I applied it has dramatically dropped to XXXX this ihas dramatically impacted my life my everyday ways of being able to provide for me and my family so I call in and I was now livid by the way I was told lie after misleading lies and more lies I have spent over 1 week trying to get my new cards and account information from every department from amex I have litterly soent over 4 hours every time I call being lied to being hung up on being told to call back and they have changed my account information and will not send me my new cards and will not provide me with my statement or information to make a payment for the charges I have made this is outrages and I can't let this fraud law breaking bank treat me as if Im not a paying American consumer this needs to be addressed how can they file a claim give me credit and then open a new account and put XXXX dollars on my statement and therefore not give me my account number or cards and say they cancelled my account because of collections this is concerning I have yet to receive my statement my cards and my credit is negatively been sabatoged please help and I know I have faith in you guys I appreciate your help and thank you in advance they must be reprimanded for not only breaking the laws of banking but fraud and scaming a customer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/2022 I did business with an individual that consisted of one transaction. I sent him XXXX  digital credits through a peer to peer trading service called XXXX and he paid for those credits by sending me XXXX USD via PayPal. The transaction concluded once myself and the individual had confirmed recept of funds. Months later, around mid to late XXXX that said individual filed a fraud claim with his financial Institution claiming it was an unauthorized transaction and he was not the one who sent those funds to me. Paypal then charged back my account making it XXXX once the final decision was made without ever notifying me that this was even taking place. I had no chance to defend myself or provide evidence that undoubtedly proves that the transaction was deliberate and authorized. I have records of the conversation, he followed the instructions given by XXXX such as labeling the paypal payment as a " gift ''. Dispite all of this, paypal refused to return my funds because I did not pay the protection fee. Regardless of a fee paypal is expected to handle funds with atleast some level of care. This was worse then reckless handling and negligence, they flat out aided an individual with comiting fraud and told me about it once it was finalized. I have been since harrased by paypal on a daily basis ( several times a day ) to pay my account balance to a positive state even though they are the reason for it. They have reported to credit that has hurt my score and even sent this to collections which I am currently disputing because that debt is not my debt, it is paypals. Lastly, when communicating with the fraud department in regards to why they did not think to ask me about the transaction before making their decision, they responded with " this case did not require your input ''. From what I understand, paypal believes this individual took two months to realize he was missing XXXX USD and reported it as fraud. I was apparently a random individual that just happen to receive his XXXX USD?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I sent in a dispute letter addressing the information that on the credit report. The agency sent me a letter in return stating the information was correct and in fact according to The Fair Credit Reporting Act Section 609 ( a ) ( 1 ) says they are require by FEDERAL LAW to verify, THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU POST ON A CREDIT REPORT. They have FAILED to mail me proof of the investigation or delete the negative information. 

I asked them be specify on how the item was verified. I went on to ask to Please do not provide me with the generic response on your e-Oscar procedure but the FACTS of how was. the item verified since there verification by law. 

I asked the agency to provide evidence of their authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

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 2023-03-16 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: KY

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights according to Act 15 U.S.C 1681 section 602 states I have the right to privacy. 15USC 1681 section 1604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under any open consumer credit plan as late for any reason. 

Agents at TransUnion XXXX XXXX All have accounts that are open that are consider late. I have disputed several items and been lied to and told it can not be removed while they are breaking the law Late payments on XXXX XXXX account number XXXX LATE PAYMENTS ON AN OPEN ACCOUNT Department of education XXXX LATE PAYMENTS ON AN OPEN ACCOUNT Ive been told that I can not remove inaccurate information including names address and phone numbers My Identifying information is not correct 1 name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Ky XXXX XXXX phone number XXXX Inquiries could not be removed form Even though I let it be known that the inquiries were fraudulent The only inquiries I should have are only tied to open accounts

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 2023-03-16 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: KY

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights according to Act 15 U.S.C 1681 section 602 states I have the right to privacy. 15USC 1681 section 1604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under any open consumer credit plan as late for any reason. 

Agents at TransUnion XXXX XXXX All have accounts that are open that are consider late. I have disputed several items and been lied to and told it can not be removed while they are breaking the law Late payments on XXXX  XXXX account number XXXX LATE PAYMENTS ON AN OPEN ACCOUNT Department of education XXXX LATE PAYMENTS ON AN OPEN ACCOUNT Ive been told that I can not remove inaccurate information including names address and phone numbers My Identifying information is not correct 1 name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Ky XXXX 1 phone number XXXX Inquiries could not be removed form Even though I let it be known that the inquiries were fraudulent The only inquiries I should have are only tied to open accounts

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 2023-03-16 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: MN

Complaint narrative:
In accordance with The Fair credit reporting act. The list of accounts below has violated by federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX. 
Account one XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account two XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX Account three XXXX XXXX XXXX XXXX Open XX/XX/XXXX Account f o u r XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account five XXXX XXXX  Account number XXXX XXXX Open XX/XX/XXXX Account six XXXX XXXX Account number XXXXXXXX XXXX  Open XX/XX/XXXX Account 7 XXXX XXXX  Account number XXXX XXXX Open XX/XX/XXXX. 
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 account without my written instructions 15 you. S. C 1681 c. ( 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 attend dates the report by more than 7 years 15 u.s.c 1681 s-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 explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist explained to me that payments were applied to my mortgage. I was reading it wrong. 

However the payments I made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX do not appear on my payment history. I'd think Truist would notice 1/3 of the year missing. But this wasn't mentioned. 

I also asked for check copies between XX/XX/XXXX and XX/XX/XXXX. Not one image was provided to 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 explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Coradius International LLC
State: TN

Complaint narrative:
I received mail from USPS from American Coradius International LLC about the following : Creditor : XXXX XXXX XXXX XXXX 
Account holder name : XXXX XXXX Reference # : XXXX Account number : XXXX Account balance : XXXX I do not have this account and would like further information regarding this matter. It says I have until XX/XX/2023 to respond. 

I have reached out to XXXX directly and they do not have any account number listed presently or in the past. I currently have an account with XXXX and it is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid 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: Klarna AB
State: GA

Complaint narrative:
I placed an order with XXXXXXXX XXXX online for a {$800.00} pair of XXXX shoes. I used Klarna to pay for this purchase. When I placed an order with XXXXXXXX XXXX, I requested for signature required when sent by XXXX and paid extra for the service. XXXX delivered the package to an incorrect address which we do not where it was delivered to. I reached out to XXXXXXXX XXXX to advise we did not receive the package and they are refusing to refund the money back, or replace the product. I have sent pictures of my front door compared to the front door that XXXX took, Ive sent screenshots where I placed the order for signature required, and a screenshot on XXXX  showing no signature required. Since I could not get a resolution with XXXXXXXX XXXX  I contacted Klarna. Klarna has reached out to XXXXXXXX XXXX and states that XXXX XXXX shows that a product was delivered even though its the incorrect address and they are refusing to refund. Klarna is only going by what XXXX XXXX is stating even though Ive sent them the same screenshots proving that I did not receive the product and they are refusing to take the product off of my credit. I am currently paying this to keep it from going on my credit score But I need a refund for a product I did not receive

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2022 I disputed a debt with all three credit reporting agencies requesting that they update the balance as {$0.00} and remove this debt from my credit report with XXXX XXXX to go balance of {$4000.00}. All three credit reporting agencies ( Experian, XXXX, and XXXX XXXX ) did not remove this debtXXXX XXXX XXXX to go was settled on XX/XX/2022 with payment confirmation number of XXXX. XXXX XXXX also confirmed that this debt would be removed from my credit reports. Experian, XXXX, and XXXX XXXX never did what I requested ; which is update my balance as {$0.00} and remove this from my credit reports.

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 2023-03-16 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: Atlanticus Services Corporation
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16 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: PA

Complaint narrative:
Greetings, I recently sent a letter asking Experian, XXXX and XXXX to investigate some accounts on my credit report. Here are the tracking numbers : ( 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 XXXXXXXX XXXX / Re : XXXX XXXX requested on XX/XX/XXXX It has now been over 30 days, I believe these consumer reporting agencies are in violation. 

According to15 USC 1681i- Experian, XXXX and XXXX have 30 days to investigate and send me the results. They also never recorded the current status of the disputed information, which is another violation. 

I have all of the evidence attached below.

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 2023-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
Company in question ( XXXX XXXX ) is claiming I have a debt with them for a loan that I did not request nor receive ( sometime in 2020 ). I assume this is as a result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: Chime Financial Inc
State: IA

Complaint narrative:
I opened a checking account with chime in XXXX. Decided recently to close account to use a local bank instead. Chime has since reported to the credit bureaus that I had a credit card account that was 90 days past due and the account was closed due to XXXX XXXX bankruptcy with a balence of XXXX All of this is completely false. I filed for bankruptcy in XXXX of XXXX and listed having a checking account with Chime. That is the only thing they were listed for on my bankruptcy.. Is it normal practice for a financial institution to report false info to Credit bureaus when customers decide to bank else where? Why would they just now report this if not?? I had a checking account that's it. No line of credit was ever issued to me. I had no credit cards, personal loans or anything else i owe them no money. I have never been 90 days past due on. I'm a single father with XXXX kids. I have worked extremely hard trying to improve my credit since bankruptcy. They have now maliciously destroyed my credit. On XX/XX/XXXX my score was XXXX It's now XXXX and that drop is solely due to them. Do they not have to prove anything before being able to destroy my credit? When did I apply for this credit card? What was its limit? What was interest rate? How about transactions? This is absolutely ridiculous and disgusting. 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Hi I had a Wells Fargo account an I would have money inside of my savings. I would transfer the exact amount of money from my savings every time I made a purchase. But when I look up Wells Fargo would charge my card for the purchase and then a couple days later my account would go negative. It got to the point they overcharged my cart {$200.00} and I was in the negative.

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 2023-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2023 I send in disputes letters to experian, TransUnion, and XXXX. It is XX/XX/2023 I still have not heard anything from the credit companies and it been over 30 days. I also send a 30 day demand letter.

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 2023-03-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2023 I send in disputes letters to XXXX, XXXX, and Exquifax. It is XX/XX/2023 I still have not heard anything from the credit companies and it been over 30 days. I also send a 30 day demand letter.

Company response to consumer: Closed with explanation