vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 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: Paypal Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/2023 I sent {$130.00} to XXXX XXXX for a downpayment for goods that was supposed to be delivered to my house. That was the name in the email and XXXX told me it was her grandson 's email. When that didn't happen, I asked for the address to pick the items up myself and was given an incorrect address over an hour away from me. I ended up at XXXX XXXX 's house and he even said I wasn't the first one who had gotten scammed. He had never heard of any of these people before. XXXX XXXX sent me the wrong address on purpose and then claimed I must have went to the wrong address and sent me a picture of her house and camper the stuff was in. He even told me to file a police report because I was not the first person who had showed up to pick items up that he had no clue about. I tried but the police came to my house and said they could do nothing about it. XXXX also texted me recently again and told me she had sent more people out there to his house! He said if I needed him as a witness, he was more than willing to be one. If needed, I can send in the communication thru XXXX XXXX that I have between us.

The other two transactions was sent on XX/XX/XXXX to a XXXX XXXX. I was told that was her granddaughter and to send the money to her. I sent two payments equaling {$120.00}, so {$70.00} & {$50.00}. I never received the items I purchased and was never given a refund. Paypal told me although it was fraud, they could do nothing about it and is not willing to give me a refund although in my paypal account when I look it up, the {$130.00} says transaction refunded which it wasn't. I did speak to them over the phone and they didn't know why it said that but said they'd send me an email with an explanation that I still have not gotten. I paid a lot of money for items I never received and all I want is my money back. I even sent an email to a XXXX XXXX asking for my money back and never got a reply. 

Are you willing to help me get my money back?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am a customer of Ally Bank ( FDIC # XXXX ). On XX/XX/XXXX I enrolled for an offer from Ally. The offer stated that I would receive 1 % cash bonus on new money moved into my selected Ally savings account by XX/XX/XXXX. I was required to keep the new money in the selected account until XX/XX/XXXX. The cash conus was supposed to be paid by XX/XX/XXXX. 

On XX/XX/XXXX I transferred {$50000.00} in new money into the selected Ally savings account from an external bank transfer. I left the entire balance, plus an existing {$8.00} which was already in my selected Ally account, through and including XX/XX/XXXX. In fact, this transferred {$50000.00} in new money remains in that selected Ally savings account to this day. I have not made a single withdrawal, debit, or transfer out of the selected Ally savings account since moving that {$50000.00} into the account on XX/XX/XXXX. 

I never received my 1 % cash bonus ( which should have been {$500.00} - the maximum amount allowed by Ally 's offer ). I have written to Ally several times and I have called twice I believe. I was first told I did not sign up for the offer and so I did not qualify, but I then sent Ally an email I received from them which confirmed that I had enrolled in the offer. That confirmation email contained the rules for the cash bonus which I have summarized above. 

Ally agreed that I signed up for the offer only after I sent them their confirmation email, but they still have not paid me the {$500.00} bonus. They have advised me that there are many people who did not get paid the bonus and they are trying to work through the problem. It is now XX/XX/XXXX - two months since they were supposed to pay me {$500.00} and I have gotten nowhere with Ally. I have wasted a lot of time on this problem, and I have kept {$50000.00} in my Ally account which could have been put to better use elsewhere. 

Ally must pay me the {$500.00} they owe me, and any fines or other compensation that I am lawfully entitled to. I have the email confirming I signed up for the offer which I can send you upon request. I also have messages from Ally with their comments. 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 monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
XXXXXXXX XXXX sent my account to XXXX XXXX XXXX. still reporting to ChexSystems and that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to ChexSystems. This is literally the example of holding my banking privileges XXXX and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.

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 2023-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC
State: MI

Complaint narrative:
Receivable Management Services placed a debt of {$220.00} on my credit profiles with XXXX, XXXX and XXXX. I sent a certified letter on XX/XX/2023 to Receivable Management Services asking for a copy of the contract I signed with them requesting services. Receivable Management Services has failed to send me any type of signed contract between myself and their company. But, they are still reporting to XXXX, XXXX and XXXX that I owe them {$220.00}.

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 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In 2013, I XXXX XXXX entered Into a consumer credit transaction XXXX XXXX, bank of America NA which became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this XXXX XXXX has violated many laws according to truth and lending & fdcpa .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I attached my invoice and my license.

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 2023-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens Bank lied to XXXX about reasons for denial of mortgage loan. See attached. It was due to my developing a XXXX. This caused my income to shift from teaching to XXXX XXXXXXXX. The amount was not drastically different. They wouldnt consider my XXXX income. They stated failure to disclose student loan debt and failure to provide XXXX income. 
The XXXX debt is clearly shown on their XX/XX/XXXX disclosure attached. This loan was never late or in any state other than good standing.This was also when we applied for the loan that was denied in mid XX/XX/XXXX. There was obvious delay of processing WAY beyond the 30-90 days as told to XXXX. 
I was told by XXXX XXXX by email that there was no way to move forward with the loan with me on it after I let her know that my income would be shifting XXXX XXXX that month. Rather than waiting just a few days for that confirmation info, the loan was denied right away. We had been waiting since XX/XX/XXXX fir a decision and they couldnt wait a few days for some updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In XX/XX/XXXX, we closed our accounts with XXXX XXXX XXXX XXXX which included a car loan and a secured credit card. XXXX has consistently reported inaccurate information on our credit reports which we closed XX/XX/XXXX, as well as included in our Bankruptcy plan which XXXX didn't file a proof of claim on. Since XX/XX/XXXX, XXXX has manipulated our credit reports by " re-aging " debt on closed accounts, showing credit card usage on closed accounts consistently reporting this since XXXX, reporting us XXXX/XXXX days late on closed accounts and ignoring our request for a cease and desist from such misconduct. 

We requested in XX/XX/XXXX via certified mail ( # XXXX ) received XXXX, XXXX  refrain from such misconduct, advising of the FDCPA and FCRA violations. ( can not upload letter ) We contend XXXX violated. Apparently our request fell on deaf ears, and XXXX is above the law and can subject us to credit defamation at their will and leisure,

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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In XX/XX/XXXX, we closed our accounts with XXXX XXXX XXXX XXXX which included a car loan and a secured credit card. XXXX has consistently reported inaccurate information on our credit reports which we closed XX/XX/XXXX, as well as included in our Bankruptcy plan which XXXX didn't file a proof of claim on. Since XX/XX/XXXX, XXXX has manipulated our credit reports by " re-aging " debt on closed accounts, showing credit card usage on closed accounts consistently reporting this since XXXX, reporting us 90/120 days late on closed accounts and ignoring our request for a cease and desist from such misconduct. 

We requested in XX/XX/XXXX via certified mail ( # XXXX ) received XXXX, XXXX  refrain from such misconduct, advising of the FDCPA and FCRA violations. ( can not upload letter ) We contend XXXX violated. Apparently our request fell on deaf ears, and XXXX is above the law and can subject us to credit defamation at their will and leisure,

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 2023-04-13 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 asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-04-13 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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
XXXX Bank still reporting to ChexSystems and that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to ChexSystems. This is literally the example of holding my banking privileges hostage and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.

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 2023-04-13 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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these 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 non-monetary relief
Consumer complaint received 2023-04-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these 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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
My identity was stolen to open a account. I have disputed this to be blocked from my credit report. It is not being blocked so please block this immediately. FTC fraud report and police report included.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: NV

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Name : XXXX XXXX XXXX Name : XXXX XXXX -> I need all three bureaus to report my name accurately as the full name on my Social Security Number is XXXX XXXX XXXX XXXX. The following personal information is incorrect, I never lived there. Please delete it from my credit report Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect. I never lived there. Please delete it from my credit report Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THERE ARE ADDRESSES ON MY CREDIT REPORT THAT ARE INACCURATE AND MUST BE REMOVED AS THEY ARE HINDERING ME FROM PROPERLY FILING FOR FURTHER CREDIT.

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 2023-04-13 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: MD

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. Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXl # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX XXXX Account XXXX XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX XXXX XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX XXXX Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX # XXXX, : Public Record 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 response to consumer: Closed with explanation