vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I only should have one open account still from student loans. they were deferred and then consolidated. On this report, they show delinquent and negative/ derogatory.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: WV

Complaint narrative:
I been banking with Chime for over 3 years and I go to sign into my account last night and it says my account is XXXX XXXX XXXX. I email Chime support and the only thing they said was that I did not comply to the deposit agreement but I get my son 's XXXX check direct deposit into my Chime account every month plus get child support deposit into my account too. I even called Chime and they said the same thing that I did not comply to the deposit agreement and that I would get a check in 30 days if any money is owed to me and I did have money in there. I talked to a chime supervisor and she said the same thing and nothing else other than I needed to email chime support I told her I did already and they did not give me any answers. I even emailed Chime support again and so far nothing. The account was closed on XX/XX/2023 and I never got a phone call about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I contacted the company to ensure they received my tax bill notifcation and was advised it was received. The tax bill was due XX/XX/XXXX. Subsequently, the lender never paid my tax bill and when asked they were looking into it- this was on XX/XX/XXXX. My taxes were XXXX as the company did not pay them until XX/XX/XXXX. When they paid the tax bill they did not pay all of the late penalty fees and now my tax bill is delinquent again and being sent to collections. I have reached out to XXXX with no answer to a solution to this issue..They have become unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Albert Corporation
State: WA

Complaint narrative:
This complaint is about the banking app, Albert. XXXX XXXX  is, who runs the specific banking app, and like many others, it advertises the ability to take out instant pay advance as part of the many program incentives that it offers for customers to pick it over many others that are just like it like XXXX, XXXX, XXXX, etc. The specific app, though has me complaining because it offered me a {$40.00} advance based off of its systems income detecting algorithms on XX/XX/2023 which I promptly paid back on XX/XX/XXXX, which was early ( another factor that would allow you to get an higher advance according to their marketing ) but instead because I didnt take the instant {$40.00} offer that was available right after I re-paid the original loan, I logged back into the app later that night, and found that I was no longer eligible for any instant advance. One of the other requirements to get these advances is to pay a fee monthly of {$10.00} to what they called XXXX  genius which is supposed to be real people who help you manage your money, but when I look into that I find out that in order to get any time with a real person you will have to pay a fee anywhere from $ XXXX {$60.00} depending on whether you want an hour or half hour of the time. So there again is another hidden charge that they do not tell you ahead of time but instead after you sign up. Back to what Im originally complaining about. I was eligible for {$40.00} based off of the same income that they tell me now I am no longer eligible with us because they know decided they do not detect the income need to take it before I guess? I have attached the income details reported on the app, which I have not changed since they decided I was eligible the first time, and then decided I wasnt the second time. Ive also attached the conversation I had with their customer service or genius people in which they tell me basically that I am XXXX. The CFPB should look into these apps and really take a deep dive into what they say they offer on the XXXX XXXX compared to what they really end up offering when you sign up with them, theyre all the same when they are eligible the next day or not, they get to decide and they have nobody holding them accountable so they get to do whatever the XXXX they want and I am tired of it. They pray on people like me who have trouble getting a real bank account because of whatever reasons and because of that they take advantage and make sure that they get all the money they want before they follow through with any of their promises, which some and most dont ever do.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
On XX/XX/23 I filed a dispute for XXXX for a transaction from XXXX XXXX. I never authorized this transaction and told the agents this numerous times. They then stated it is not under regulation E, despite me stating it is in fact unauthorized. I am due for a provisional credit as it is now XXXX business days and they are refusing against the Regulation and code set forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the agency didnt make sure it was reporting 100 percent correctly. XX/XX/XXXX, I mailed out my concerns in regard to in accuracy and invalidated inaccurate information that I noticed on my credit report. I have disputed the following accounts and also mailed out letter and a dispute letter as to why this information is in accurate. As of XX/XX/XXXX, all three credit Bureaus have received my letters and copy of my identification. After the 30 days from the date, they all received my concerns that was giving, I did not receive any requested information asked to validate 100 % accurately any of the following accounts or any response as my consumer right to prove the accounts are mines. I mailed out a follow up letter after the XXXX of XXXX. In addition, not only did the credit report agency specifically Transunion and XXXX have not removed the in accurate accounts off my credit report. TransUnion specifically just mailed me a letter that I received XX/XX/XXXX which is more than the 30 days according to the FCRA laws to respond they stated the following accounts are VERIFIED AS ACCURATE. Accounts they are allegedly saying is accurate are XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I as a consumer have the right to understand how this came back validated and or proof of the following accounts such as original contract with my signature proof of identification and the actual thorough investigation on as to how did they find this accurate. My rights are being violated in many ways including the Credit Agency not responding within the designated days according the FCRA laws, also I asked for very descriptive information including again the original signed contract with my signed signature and to accurately prove and validate the accounts. The credit reporting agencies stated the accounts were properly investigated and came back as verified as accurate. However, how is this true when there are several inaccuracies showing on my credit report. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately. 
As a consumer, I requested to know all the steps the agencies took to insure these items were 1005 accurate under 15 U.S.C. & 1681i ( 7 ) Method of verification-description of reinvestigation procedure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Violation of my federally protected consumer rights as outlined by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 It has come to my attention that the following accounts, all of which carry negative information, have infringed upon my rights to privacy and confidentiality under 15 USC 1681 : Please remove this debt. 

Company name : XXXX  XXXX Account # XXXX Company name : XXXX XXXX  XXXX Account # XXXX According to the provisions stated in 15 U.S.C 1681 Section 602 A, I have an unequivocal right to privacy that must be respected and upheld by all entities involved in consumer reporting. 
Please be aware that failure to comply with my request may result in legal action to protect my consumer rights and seek approptiate remedies as provided for under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
At the end of XX/XX/2022, I opened an account with XXXX Bank and deposited a {$2500.00} check I had received from the United States Department of Education as a refund on a defaulted student loan, on account of the closing of XXXX XXXX The check was accepted but after XXXX week and before I could even receive my bank card, the account was frozen and my money denied to me on the grounds of supposed fraud. When I called to dispute the freezing of my account, I was asked by a member of the customer service team who were clearly not from the US over and over again as to " the name of the person who sent me the check. '' After explaining each time that it came from the United States Department of Education, they still refused to acknowledge my information. 

I later attempted to seek assistance from the banker who assisted me with opening the account and they told her that the issue was with my address on the account not matching the check. They later withdrew the money from my account and closed the account. I then called their support again and they claimed that the amount on the check was suspicious and thus why the account was close. But due to the account not having any money in it, then they could not give me any money back. 

I proceeded to seek further support from outside help and was advised to try their support line again and was told to provide information as proof of evidence that I was who I said I was. I called back the collections company who held my defaulted account, and they provided me with a copy of their letter indicating that I would be receiving a refund from the United States Department of Education on my student loan. This packet included my old address as well as my new address, and information that I was to receive the refund. XXXX rejected the evidence claiming that it did not show that I was entitled to the money. They are insisting that I provide account information from the United States Department of Education 's accounts in written form as the only proof of entitlement they will accept. That information I can not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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. 

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
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, Synchrony Bank, XXXX XXXXXXXX XXXX. Has reported inaccurate and illegal information to my XXXX credit file. I have never agreed to or given permission to any of these companies to share, report or use my personal information in any form. They have use my information to report inaccurate debt and balances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, Midland credit management, XXXX XXXX, XXXX XXXXXXXX XXXX. Has reported inaccurate and illegal information to my XXXX credit file. I have never agreed to or given permission to any of these companies to share, report or use my personal information in any form. They have use my information to report inaccurate debt and balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City Financial Solutions sent me a collection notice in the amount of {$65.00} the letter is dated XX/XX/2023. The original debtor is listed as XXXX XXXX with the account number XXXX once again Bull City Financial Solutions sends me no documentation to support this bill that has already been paid to XXXX XXXX. I need documentation along with itemized bill showing what my insurance has paid along with the payments that I have paid. I have disputed this with the company and still have yet to receive any documentation per my request and dispute. I want the documentation sent to me and also I would like collection efforts to cease since this amount has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Dear PayPal Team, I am writing to appeal the suspension of my newly created PayPal account. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. 

My PayPal account is registered under the email address XXXX. I kindly request that my account be reinstated and that you provide me with an explanation for the suspension. I have not had the opportunity to conduct any transactions or use any of the features of your service, so I am unsure of the reason for the suspension. 

I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

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

Complaint narrative:
Ive noticed some unauthorized inquiries and XXXX unauthorized account on my report. I am wiring to delete the following information in my file. The items i need deleted are listed in the report as well as this persoanl statement. I am a victim of idenity theft and according to the fair credit reporting act legally thrsd unverified unauthrized items must be REMOVED! first is the XXXX XXXX  XXXX account XXXX next are the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XX/XX/XXXX I received notice from XXXX XXXX cards that my credit line was being reduced due to information reported to XXXX by Bank of America ( BAC ). Upon viewing my credit report in XXXX, I learned that XXXX reported that I missed a payment in XX/XX/XXXX. I reviewed my online statements and bank receipts and they both show I made a payment of {$500.00} was received by BAC on XX/XX/XXXX and I was never 30 days late in XX/XX/XXXX as they reported. 

I have filed XXXX disputes with XXXX to get the information corrected and each time BAC send different payment information that is still incorrect as of XX/XX/XXXX XXXX dispute # XXXX. As of today, the payment history shows that my last payment before the XX/XX/XXXX statement ( Which was send XX/XX/XXXX ), was XX/XX/XXXX. This is incorrect since I made a payment in XX/XX/XXXX for the payment due ( see attached records ). I was instructed to call BAC and I did XXXX times spending a total of XXXX hours waiting on hold or talking to representatives. Each time they acknowledged a payment was received on XX/XX/XXXX but failed to send the correct information to the credit bureaus. I believe BAC is not acting in good faith and is trying to cover up an error that their transaction data reporting system made. I believe they have violated credit reporting regulations. 

This has ruined my credit and put me in financial risk as my XXXX XXXX and history prevented me from receiving a capital loan for my business as well as caused other creditors to reduce the amount of credit I had available. I am seeking restitution and for the correct payment history information showing my XXXX XX/XX/XXXX payment to be sent to all reporting credit bureaus asap.

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