vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I placed an order on XXXX and returned the items because they did not fit. XXXX provided me with a return label and the return was requested and shipped back within the 30 day return period. In addition, the return tracking # shows that the items were DELIVERED BACK TO XXXX and if you see in the attached photos of my chat conversation with XXXX and my emails, XXXX even CONFIRMED the packages were received. They said in the chat photo attached that it takes 14 business days to process the refund and to reach back out if I still do not receive my refund by then. It had been longer than 14 business days so I reached back out to them and they said that yes, they received my return, but now they can not find it in their warehouse so they cant process my refund. This is NOT my problem. I did what I was supposed to do, return the items. They can not steal my money like this because of a failure in their warehouse! 

XXXX then denied the claim saying they can't load XXXX XXXX tracking numbers which is very easily done on XXXX. They said they can only do XXXX, XXXX and XXXX which is false. In addition, they denied my claim and NEVER informed me of the denial. I reached out to XXXX on NUMEROUS occasions and they said they were still working on it when in fact they already had denied the claim. Now they are saying its been 35 days since the claim has been denied and I am screwed and if I want my money then I should " hire a lawyer and 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 2022-11-08 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: FL

Complaint narrative:
Woke up this morning to a XXXX score drop. Reason for the drop is due to account remark/comment that were added on a XXXX XXXX credit card account account that was closed 6 years ago! I called Equifax to fix this, they said the previous rep I spoke with a week prior to remove account comments on my XXXX XXXX credit card ended up submitting a dispute on my XXXX XXXX account instead. So I asked them to undo the dispute or remove the account comments/remarks on the XXXX XXXX account since I never request for it, they were not able to. 

I've noticed with Equifax and only Equifax, when you dispute a negative account and remarks are added after the dispute, it often results in a significant score drop. It's as it re-age the negative payment/status to recent. So although that account was closed 6 years ago as a charge off, once a dispute is submitted and account remarks are updated it looks as if the delinquency is recent. This practice should be illegal! It happened before on XX/XX/XXXX, when a dispute remark was added to my HD account and it resulted to a XXXX points scored dropped. Called Equifax immediately to remove the account remarks, my score went back up XXXX points the next day, Go figure!. Credit is a very important thing to one 's livelihood, Credit bureaus like Equifax should not be able to toy with people 's lives like this. I'm in the process of purchasing a home and a car and now I may not be able to after this XXXX point drop for no reason. This nation has truly FAILED it's people by allowing these credit bureaus like Equifax with their inconsistency and inaccurate reporting to get away with all they do to ruin people 's lives with little to no accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Navy Federal is reporting to the credit bureaus that I have an outstanding debt of {$5600.00}. I received a letter from Navy Federal stating that they would settle my account for {$1900.00}. I reached out to Navy Federal Credit Union today XX/XX/2022 and I tried to make a payment of {$1900.00}. They refused to accept payment from me, they told me my account was sold. However ; there is no collection agency reporting this debt to the credit bureau. I called the collection agency XXXX  to make the payment of {$1900.00} and they told me I needed to pay more although Navy Federal sent me a letter showing I only had to pay {$1900.00}. Navy Federal is reporting a debt to my credit but not accepting my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, TRANSUNION, AND XXXX ARE IN VIOLATION FCRA SECTION 623 ( a ) ( 3 ) OR FCRA SECTION 807 ( 8 ). I DISPUTED XXXX BANK ON XX/XX/2022 THE DISPUTE END XX/XX/2022. THE COMMENT SECTION OF THE ACCOUNT IS BLANK. ATTACHEMENTS SHOWS THE DISPUTE ALSO ATTACHMENTS SHOWS THE ACCOUNT ON MY UPDATED REPORT DATED : XX/XX/2022.

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN, XXXX, AND XXXX ARE IN VIOLATION FCRA SECTION 623 ( a ) ( 3 ) OR FCRA SECTION 807 ( 8 ). I DISPUTED XXXX XXXX ON XX/XX/2022 THE DISPUTE END XX/XX/2022. THE COMMENT SECTION OF THE ACCOUNT IS BLANK. ATTACHEMENTS SHOWS THE DISPUTE ALSO ATTACHMENTS SHOWS THE ACCOUNT ON MY UPDATED REPORT DATED : XX/XX/2022.

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XXXX XXXX XXXX is mistakenly reporting on my credit. I settled the balance with the original creditor XXXX XXXX XXXX and they advised me that the collection will be removed. Please find proof of payment attached to this complaint.

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 2022-11-08 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XXXX XXXX XXXX is mistakenly reporting on my credit. I settled the balance with the original creditor XXXX XXXX XXXX and they advised me that the collection will be removed. Please find proof of payment attached to this complaint.

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 2022-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have contacted Discover credit card starting last summer of 2021. I got the erroneous and fraudulent item removed from my credit files with XXXX credit bureau. I then tried to contact XXXX and XXXX, to do the same but there was no deletion. I still contacted Discover to remove the item, letting them know I never applied for or recieve any card, that showed up on my files. I even asked the representative to send me verification of my wet ink signature or any information with my identifying marks and they never respond, either by email or regular mail. This erroneous and fraudulent information is hindering me to get a better paying job, to support my family, and be a more productive citizen of this great country.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: FL

Complaint narrative:
These companies are reporting my information without my consent. I sent them notice that I am aware I'm of the fraudulent reporting. According to my federal laws 15 U.S. Code 1681b - Permissible purposes of consumer reports they need my permission to report my information and I haven't given them my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These companies are reporting my information without my consent. I sent them notice that I am aware I'm of the fraudulent reporting. According to my federal laws 15 U.S. Code 1681b - Permissible purposes of consumer reports they need my permission to report my information and I haven't given them my permission

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 2022-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I sent a payment to a man named XXXX XXXX with PayPal. The pay again icon in my PayPal account was used. I paid XXXX XXXX a year ago for hosting a website. XXXX said he did not receive the payment and was about to take down my website so I paid him again. The second time I entered his email to pay and did not use the pay again icon. 

XXXX received the second payment. Upon trying to get the first payment refunded PayPal said I must ask XXXX to refund me because the transfer was personal and completed. 

XXXX said the email that was associated with the first payment was not his. PayPal 's database had used another XXXX XXXX email as recipient. Not the email I sent a payment last year. PayPal refuses to credit back the payment and the wrong person will not answer my emails or refund the payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
For the last year I have received over 100s of calls from Portfolio recovery ( the collection company who bought the debt ). They continue to call me from a multitude of phone numbers.In 2021 I disputed the account with XXXX and requested that they validate the debt. XXXX XXXX XXXX  never sent me documents verifying the debt they just sent an email saying that the company verified the debt, but I was never able to view the documents to validate the debt for myself. Furthermore, the debt has continued to report even though it is over 7 years old, and without me having the documents to verify I owe the debt which I rightfully believe I do not owe this debt, under perjury of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: WI

Complaint narrative:
The number they are calling is XXXX XXXX XXXX. This is a business phone, not a personal. XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: NY

Complaint narrative:
am a natural person. i am a living human being, i have rights under 15 usc 1681 equifax, XXXX, XXXX  is govern by 15 usc 1681 and they violated my right numerous of times. i demand the accounts listed below be remove because accoording to 15 usc 1681 : i have the right to privacy and i did not give any of these financial institutions written permission to furnish these accounts you also violated 15 U.S. Code 1681n - Civil liability for willful noncompliance sent your companies a copy of my ftc report, YOU NEED TO TRAIN YOUR REPRESETATIVES BETTER HOW IS IT 6 REP SAYS THEY GOT IT AND YOUR SUPERVISORS SAY THEY CAANT SEE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have this complaint against TD Bank - Account Mor Furniture For Less, my Monthly payment are {$170.00} every XXXX. I had set up automatic payments through TD Banks Website at XXXX had another account on the same Website through XXXX. I received a call from TD Bank saying that I was late with my payment due to wrong Bank account number I had provided I told her if she was sure because I had another account through XXXX maybe she got mixed up. So I paid {$170.00} didn't say anything about late charges or nothing. I contacted my bank and ask if there was any attempt by any Bank making a transaction on my account, my Bank said none was attempted or it would of shown up. I set up automatic payments for the XXXX of every month through my bank. I got a call on XX/XX/XXXX saying I owe {$25.00} late fee for my account to be current I asked him if that was all he said pay the {$25.00} and your account is up to date I said ok. On XX/XX/XXXX I got a call saying I owe {$40.00} late fee, so I told her I had paid {$25.00} on the XXXX and that my account was up to date the Rep said if I had a dispute go to their Website and fill a Billing Dispute Form so I did. I talked to Supervisor XXXX and XXXX who played part of the phone call recorded on XX/XX/XXXX, on that recording we both heard TD Banks Rep say for me to pay {$25.00} and my account will be current Til this day I'm still been getting calls and letters about being late with my payments charge {$40.00} late fees. I tell XXXX Reps my Bank sends the payment every XXXX he said they don't process the payment till 4 day later I told him does the system show that payment on time he said yeah maybe that's why I'm being charge late fees so I changed it to the XXXX. I filed a complaint with XXXX in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Fax XXXX XXXXXXXX XXXX close the file nothing solve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX, XX/XX/2022, my husband and I received a call from XXXX XXXX, or so we thought. The person/company used a XXXX XXXX XXXX ID number which made us believe we were really speaking with a XXXX representative XXXX The party advised us that they had sent us a certified letter regarding our account dues and that we were needing to pay for the replacement of our meter. If we did not make payment immediately, the technician was on their way to our home and we would be without services until Monday. We ended up paying them {$3700.00} ( {$440.00} ; {$1400.00} ; {$990.00} ; {$390.00} ; and {$390.00} ) before realizing it was a scam. The initial {$390.00} and {$990.00} were supposed to be deposits that would be returned to us by XXXX. While my husband was making the last XXXX transfer I was calling XXXX to confirm to which the true XXXX representative advised it was a scam and that several other customers were scammed into making payments. 
We immediately called JP Morgan Chase bank to stop the funds and were directed to their fraud department. We did not receive a letter from Chase bank denying us any adjustment to our funds until XX/XX/2022 by letter dated XX/XX/XXXX. We made numerous inquiries over the course of that time period with Chase bank via telephone and in-person and were pushed back with a " letter is coming '' response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
Requested refund for loans paid off during Covid-19 on XX/XX/2022 via support representative at Aidvantage. Total refund came to a total close to but under {$10000.00}. Was told to expect update to accounts in 10 days and expect a refund in full in 4-6 weeks. 

Called Aidvantage to check status of refund on XX/XX/2022 as theres been no change to accounts. Support representative told me that balance on Aidvantage would update when I get my refund in 4-6 weeks from submitting request. This information is completely different from what I was told when I put in my request on XXXX, XXXX, XXXX. At that date, I was told my account would be updated in 10 days from request. 

Called Aidvantage to check status of refund on XX/XX/2022 as theres been no change to accounts or communication. First aidvantage representative said my request was still processing and to expect refund in 10-12 weeks from request. This information was completely different from past calls which all told me to expect my refund in 4-6 weeks. I told current representative about conflicting information and they transferred me to another representative because they said they cant access specifics on my account. Second representative told my request was processing and that I should receive my full refund in 2 weeks. I was instructed by this representative to keep checking aidvantage accounts for any updates. I was also told by this representative that my account would update before I receive my refund which is completely different from what representative told me on XX/XX/2022. 

Called to aidvantage to check status of refund on XX/XX/2022. Representative told me that refunds take 10-12 weeks to process despite being told I would receive refund within 4-6 weeks. Representative also said that Department of Education hasnt made any updates to accounts requesting refunds. 

Today is XX/XX/2022, exactly 6 weeks since I made my initial refund request. There has been no changes to my accounts during this time. I am unsatisfied with the incorrect/always changing information I receive from aidvantage. At this time, it is unclear if I will receive the refund I requested at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX my address is XXXX XXXX XXXXXXXX XXXX  XXXX XXXX NC XXXX. I am a XXXX XXXX  XXXX veteran the credit reporting company 's like Transunion, XXXX and XXXX have misused my credit report. My identity has been misused and they haven't removed or deleted any inaccurate information from my credit report. i have sent them proof of my address and i have sent them my police report and bank statements. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.

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 2022-11-08 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX Apt XXXX XXXX NC XXXX. I am a XXXX XXXX XXXX veteran the credit reporting company 's like Transunion, XXXX and XXXX have misused my credit report. My identity has been misused and they haven't removed or deleted any inaccurate information from my credit report. i have sent them proof of my address and i have sent them my police report and bank statements. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.

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