vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-28 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: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
XXXXXXXX XXXX card recently sent me a bill after my account has been closed with them via a legal means. I submitted a dispute to XXXX card and which XXXX of representative responded that the trade line has been removed. Its been over a month and XXXX  seem to not remove the item but rather when I submit a dispute to show the account has already been deleted. XXXX card service keep verifying a trade line that they said has been deleted which is false representation. Kindly attend this matter as matter of urgency as the account is still on my credit report and hurting it even more. Attached is documents which stated our previous conversation with XXXX and how untrust they can be. Delete this account as stated in our previous dispute via CFPB. Please provide document of deletion to make sure it was confirmed to be deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: NJ

Complaint narrative:
I recently disputed a bankruptcy with Equifax. They came back and " verified '' it with XXXX XXXX. Problem is I have never given XXXX XXXX any permission to house a report on me let alone disclose any info to any 3rd party. If the US Courts don't share this information who has given Equifax or XXXX the authority to do so. I am demanding Equifax ceases and desist of this reporting or I will exercise ALL of my rights under the FCRA. XXXX XXXX has been sent this same communication since they are partners

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Filed my taxes through XXXX and at the end of filing it stated I could receive my funds early, a refund advance if I used Credit Karma Money. They made it incredibly easy to open an account and get my advance sent there. Within an hour of receiving my money, my account was locked. They stated I could use my virtual card to make purchases and I made two purchases before it locked. I attempted to chat online with Credit Karma Money and said it was unavailable. The next day I sat on hold for over an hour to finally be told on the phone that there is an account hold and they need to verify information I told her thats fine I can verify whatever they need and she told me they cant do it over the phone. I chatted with 3 people during my call wait time, one ended the chat immediately after I state my problem, two told me they couldnt do anything and left the chat. The only way to fix my account is via email which Im not 100 % comfortable with but I am left no other choice. In my opinion, XXXX and Credit Karma Money are using predatory practices to get people to open a Credit Karma Money account but have no full intentions of allowing people to access that money. And give no solution as to how to fix the problem. Ive now been told I have to wait at least 24-72 hours for my problem to be resolved via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: NC

Complaint narrative:
I sent a letter to Equifax at XXXX XXXX XXXX, XXXX GA XXXX, stating that the below inquiries were reporting on my consumer file and I did not authorize this company to access my consumer file. 
XXXXXXXX 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 XX/XX/XXXX Equifax responded on XX/XX/XXXX stating that " INQUIRES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY ''. 

This response does not include any record of documentation proving that they are in factual bearing my signature formally requesting these accounts to view my consumer file. These are fraudulent inquiries and need to be immediately removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Beginning XX/XX/2023 there was fraudulent activity on my credit card. I contacted capital one after they reached out to me through the fraud department to verify your transaction that I did not authorize. 

After filing the disputes and receiving my new card, the representative said, I would be receiving temporary credits that I can utilize on my card while the investigation was in process. 

I contacted customer care because it shows I have zero dollars for available credit when they were supposed to be the credit applied for those fraudulent transactions. 

However, an agent is saying now I need to wait 90 days to have access to those funds. Thats completely not fair. Someone else goes shopping with my credit card and I get to lose the opportunity to spend the money I was granted? Not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
over charged fees penalties a lot for years

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 2023-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
Our mother died, who lived at the address where services were bundled : internet, phone and TV were provided from XXXX XXXX. She died XX/XX/XXXX. My name was on the account as she was XXXX. I kept the service till XXXX of XXXX, as our brother XXXX brother still lived at the home and we were resolving their affairs. I attempted to close XXXX XXXX services over phone and then online the amount in question. I have the proof of the paid debt through bank and billing - statements that they were paid. I was assured that they would pro-rated and returned their equipment, XXXX, XXXX. I also went to XXXX XXXX XXXX, who also called XXXX XXXX on my behalf. But over the years they have kept changing my billings to different debt collectors. I am being billed {$350.00}. and now it is through a collection agency, TSI. I also have the correspondence from XXXX XXXX, where they credited me with a minus - {$110.00}, and no action required, sorry to lose you as a customer XXXX have several letters of correspondence to XXXX XXXX and their collectors, yet nothing has helped.I am XXXX XXXX XXXX and I feel this is a financial harrassment As I have tried to show that the debt was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRANSCARD, LLC
State: AL

Complaint narrative:
My account was closed by bank for suspicious activity but there wasn't any fraud or anything as they say. I have proof of what happened and proof I am the sole owner of both bank accounts. There is {$730.00} in the account they will not give it to me the supervisor there told me if I called again he was pressing harassment charges on me please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
It says I have a XXXX credit limit on my Best Buy card But then says I have no available balance & have spent XXXX on it. 

When I called to ask what it was about, the account was conveniently closed today & they can give me no reason behind it. I have been sitting on the phone for almost an hour waiting for a supervisor to answer & tell me whats going on but they keep saying they cant for privacy reasons.

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 2023-01-28 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: FL

Complaint narrative:
Paypal is refusing to release my funds after properly providing all documentation asked for by the company. 

I am requesting I have assistance in following up with paypal to have them release my funds immediately and close my account so no further funds will be going into the account. Then, I would like to also be compensated for wages lost and money lost from going through this process of obtaining my money that belongs to me. 

I have lost {$400.00} following up with paypal to gain my access and communicating with them in order to receive my funds. 

If I do not receive a response from paypal within the next 15 days, I will filing several motions to sue this company for loss of funds and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
Barclays reported my credit card payment delinquent for XX/XX/XXXX for a missed payment on XX/XX/XXXX. On XX/XX/XXXX the reported to credit bureaus that I was 30 days late on my past due payment for XX/XX/XXXX. This was not 30 days, it XXXX. Further XXXX, XXXX and XXXX XXXX the 30 day delinquent pay for XX/XX/XXXX when we are still currently in the month of XX/XX/XXXX. Thus, this does not indicate the payment being 30 days past due. Further more on my XX/XX/XXXX statement, there is no indicated past due amount. Furthermore on my XX/XX/XXXX Statement it reflects my past due payment amount is due XX/XX/XXXX. If I have until XX/XX/XXXX why was my account marked as 30 days past due? And why did XXXX, XXXX and XXXX allow for something to be reported 30 days late in the same month that the payment is late in?

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 2023-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: FL

Complaint narrative:
Loan # XXXX The servicers is FCI my mortgage payment is XXXX They are getting the payments on time. now they said I have to pay them XXXX I pay my own insurance and my taxes are only {$120.00} per month {$1500.00} per year, they are not my principal and interest is {$530.00}. If my taxes are only {$120.00}, why are they putting on escrow {$370.00} These people are crooks. This loan was originally with XXXX XXXXXXXX XXXX XXXX loan # XXXX. this was a bad FHA loan from the beginning that XXXX XXXX was never able to sell. Finally on XX/XX/2022 Patriot lending assigned this loan to XXXX XXXX XXXX XXXXXXXX XXXX XXXX, with address of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL, XXXX they converted this loan from FHA to a conventional loan I guess. I never signed no documents, the terms of my loan was 30 year fixed. I have try several times contacting you regarding this matter, this people at this point are doing whatever they want with my loan, withouth no repercussion from the government agencies. XXXX XXXX is a foreign company transacting mortgage businesses in the state of Florida. They are not registered with HUD, nor FHA. I need you to please help me with my case, this has put a lot of stress on me and my wife. The loan is up to dated, except for this additional moneys they say i have to pay, which are not part of my original mortgage contract. I have not modify, nor refinance my loan and I believe HUD and FHA should be contacted on this matter as well. If you have any questions, please feel free to contact me at XXXX. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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:
The following companies have appeared on my credit report without me having filed for them. 
XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

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 2023-01-28 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: MI

Complaint narrative:
I have made two payments on my XXXX student loan account. I made a {$1000.00} payment in XXXX XXXX XXXX and a second payment of {$1000.00} in XXXX XXXX XXXX. All three of my credit reports show different information such as no payment history, no data, or the balance is incorrect. I have addressed this with each of my creditors and XXXX. Bank statements can be provided only if necessary as it has personally sensitive information but it does show payments that were made.

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 2023-01-28 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: MI

Complaint narrative:
I have made XXXX payments on my XXXX student loan account. I made a {$1000.00} payment in XXXX XXXX XXXX and a second payment of {$1000.00} in XXXX XXXX XXXX. All three of my credit reports show different information such as no payment history, no data, or the balance is incorrect. I have addressed this with each of my creditors and XXXX. Bank statements can be provided only if necessary as it has personally sensitive information but it does show payments that were made.

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 2023-01-28 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was scammed by a man asking me for a jump start outside a mall in the XXXX Florida area while on vacation in late XXXXXXXX XXXX XXXX  He asked to use my cell phone and while doing so accessed my XXXX wallet to send XXXX dollars to an unknown number. XXXX of this was from my apple wallet itself, and the other XXXX was charged to my Navy Federal Debit card. I immediately called XXXX to claim fraud, and they began an investigation into their part of the money ( the XXXX ) and instructed me to call navy federal to begin a claim regarding the other part of the money ( the XXXX ). I did just that and Navy Federal began their investigation while crediting the money back to me for the time being. A few days later XXXX contacted me telling me they had found the charge to be unauthorized and returned the XXXX to my account. In late XXXX of this year, navy federal contacted me stating they had concluded that no unauthorized transaction occurred and removed they temporary credit from my account. When I contacted them, they refused to give me a reason why my claim was denied.

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 2023-01-28 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: Nelnet, Inc.
State: MI

Complaint narrative:
I have made two payments on my Nelnet student loan account. I made a {$1000.00} payment in XXXXXXXX XXXX XXXX and a second payment of {$1000.00} in XXXXXXXX XXXX XXXX All three of my credit reports show different information such as no payment history, no data, or the balance is incorrect. I have addressed this with each of my creditors and Nelnet. Bank statements can be provided only if necessary as it has personally sensitive information but it does show payments that were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: CA

Complaint narrative:
On XX/XX/2023 I called XXXX XXXX XXXX to resolve an issue of XXXX of my XXXX accounts showing a closed status on Transunion when only should be a suspended status and talked to several agents and no resolution came up. This is a violation of FCRA and I'm willing to seek monetary resolution as well.

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 2023-01-28 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: TX

Complaint narrative:
I sent a letter out to Equifax Customer Relations Department on XX/XX/XXXX I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Payments on Time/Never Late XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have made two payments on my XXXX student loan account. I made a {$1000.00} payment in XXXX of 2021 and a second payment of {$1000.00} in XXXX of 2021. All three of my credit reports show different information such as no payment history, no data, or the balance is incorrect. I have addressed this with each of my creditors and XXXX. Bank statements can be provided only if necessary as it has personally sensitive information but it does show payments that were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FISERV FINXACT CORE
State: NV

Complaint narrative:
On XXXX, I issued a check to XXXX XXXXXXXX XXXX XXXX XXXX XXXX for auto body work. My wife and I left with the car only to be called back by XXXX for a " problem '' with the check. The check was " not accepted '' due to a report from an outfit called TeleCheck. My wife immediately paid with her debit card on the same account that the check was issued.

I called TeleCheck to find out why they were behind the declination only to be asked a series of personal and probing questions before they would answer my question. I refused to give them the info based on advice by the government not to give out such personal info over the phone due to frauds and scams. On XXXX, I went to TeleCheck 's website and, as instructed, filled out a form to find out what the problem was. After submitting the requested info all I got back was a " thank you '' response. 
The declination issued was defamatory and caused us undue embarassment with a local business. There was nothing wrong with the check or our account which had more than enough funds to cover the bill.

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