vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
On XX/XX/2023 I logged into my online account at Wise Bank and requested a domestic transfer of {$1600.00}. The transfer was being sent to a XXXX XXXX account that was previously 'Trusted ' by Wise and added to my list of trusted accounts. This is a transfer request that I make every month on the XXXX of the month. I have do so for a year without any issues. However, after submitting my transfer request, I was notified by Wise that my transfer has been paused while they verify my documents. Meanwhile, the {$1600.00} was subtracted from my checking account. I was not notified by email and was not given any details related to the type of documents that needed to be verified. I immediately used Wise support to create ticket XXXX XXXXXXXX. Two days later I received a response with instructions on how to login and cancel the transfer. The instructions provided were not able to be completed because the option to cancel was not available. I reported this to Wise support. I have since called twice to try to get the transfer either cancelled or completed. On XXXX XXXX, the customer service rep spent 15 minutes looking into why the transfer was paused. The representative told me she could not find a reason why the transfer was paused and verified that there were no documents that needed to be verified. She also told me that she did not have the ability to cancel the transfer or return the money to my account. She said after my previous conversation with a Wise representative that my ticket was being escalated to another department. I have not heard back from Wise or received any emails since XX/XX/XXXX. The {$1600.00} that is being held by Wise is not disposable income! I need depend on this money to pay bills which are not in jeopardy. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally requesting this letter to update this account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am formally requesting this letter to update this account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XX/XX/2023 I ordered a XXXX lb bucket of chlorine tablets from an on line company at XXXX. I received an order confirmation for {$61.00}. On XX/XX/XXXX I received an email with the tracking number for the order. The order was supposedly delivered XX/XX/XXXX. Since I was expecting it that day I paid careful attention, and nothing was delivered to my house. I contacted the post office and found out that that tracking number was delivered on the day it said, but to an address across town, and the weight of the package was XXXX oz., so it could not have been my XXXX lb bucket of chlorine tablets. I contacted my credit card company and filed a dispute. I was required to fax the info to them as they would not accept it by email. They denied my claim and told me to contact the company I had ordered it from. I tried multiple times to email them but received no response. I tried to explain to the credit card company that the company I ordered from was fraudulent and that the tracking info they sent me was fraudulent. I sent then a copy of the email from the post office showing the address it was delivered to and the weight but they still refused my dispute. I have refused to pay them the {$61.00} and they have added a late charge each month and reported the account as delinquent and will soon turn it over for collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-12-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I am a XXXX man who XXXX XXXX, there is this lady who came to my store said she needs to buy something and said her husband wants to send {$100.00} for what she got and I gave her my PayPal for the transaction, now its getting to my notice they disputed the transaction and I think they want to steal my money or goods PayPal just dropped me the notification and I think I want talk to help me out, Transaction id XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been a Citibank client for 11 years and I had 2 Citibank credit cards, at some point I added an additional external bank where I had some funds to pay off my credit card. 
I mostly use Citibank app to manage my account and from the app is impossible to remove a bank while its pretty easy to add one. Well, I accidentally used the wrong bank to pay the credit cards 2 or three times cause the wrong bank would be randomly selected by the app as a payment option. Every time I ratified the payment by paying from my Citibank account where I had the funds.to be clear I never owed credit card debt with Citibank in at lead 6/7 years. The payment request from a bank without funds is treated as an uncovered check, implying a XXXX $ penalty, so you are already been punished for the innocent mistake. Because of these incident Citibank decided to close my credit cards even though my record in impeccable besides this silly fact, after numerous calls and explanations my appeal was denied. Now, I dont mind about the closure of my credit cards, I have great credit and several others but I do mind about years of credit card points worth XXXX if not XXXX of dollars that have been unilaterally stolen by the bank. Id like to do everything it takes to bring justice to a clear malpractice. I hope I can receive assistance on this. 
Thank you. 
Best, 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 2023-12-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paradigm Assets, LLC
State: LA

Complaint narrative:
Debt has be settled and documentation signed by creditors legal representation confirms. Creditor reporting inaccurate & false information contrary to settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: AP

Complaint narrative:
After making the last complaint about XXXX XXXX and having them fix the issue, they instead processed a payment that was not made by me. Instead they made the payment on my behalf without permission. When I called to have it corrected the customer service rep stated that it wasn't fraud for them to pull money not authorized from the account. When I asked for a supervisor she informed me I could talk to one at a later date as she was not willing to transfer me over. She refused to identify herself and ended the call stating she processed a refund in the amount the basically stole from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My personal data was used in a attempt to get credit and/or loans. This occurred between XX/XX/XXXX and XX/XX/XXXX. I am reporting inquires on my credit report as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I trust this message finds you well. I am writing to bring to your attention a concerning incident related to an order I placed with your company. On [ date ], I ordered two identical items, both of which contained lithium batteries. Regrettably, upon delivery, one of the items displayed a significant puncture, likely incurred during the manufacturing process, as it was inadequately packaged without proper secondary protection. 

Given my professional involvement with lithium batteries and the associated risks, I made the decision to refuse the delivery promptly. This was an unprecedented situation for me, and I sought guidance from the delivery driver on the necessary procedures. According to the driver, obtaining documentation during the return process was not advisable. 

Approximately one week later, I reached out to your customer service department to inquire about the status of my return and refund. To my dismay, I was informed that, according to your records, the package had been delivered successfully. Despite providing photographic evidence of the damaged package and a detailed explanation of the circumstances, the response I received indicated a lack of acknowledgment and understanding of the issue. 

I am genuinely interested in resolving this matter amicably and am open to your suggestions on how we can proceed. However, it is disheartening that the responses thus far have not reflected a proactive approach to addressing the concerns of a valued customer. 

In an attempt to seek resolution, I pursued a charge-back with my bank, submitting evidence of the damaged package and a comprehensive explanation. Regrettably, my dispute was denied on two separate occasions, further complicating this matter. 

I implore you to reconsider your stance on this issue and take the necessary steps to investigate the mishandling of the delivery and subsequent lack of cooperation. As a consumer who values the integrity of the products and services received, I am puzzled by the apparent indifference to my situation and the challenges encountered during the resolution process.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My information with Equifax has been breached and they refuse to delete these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: DE

Complaint narrative:
Im currently still in school, therefore my loans arent yet due. However, trying to keep the unsubsidized loans from accruing too much interest Ive been trying to make payments each month. So I make a payment in XXXX for {$200.00}, with {$100.00} each going to my 2 unsubsidized loans with the highest balances and interest rates. I get a confirmation and I think everything is fine per usual. Only to find out nearly a month later that only {$100.00} went thru ( not to mention something strange went on with the interest/principal ). I call EDFinancial and am told that I was refunded the other {$100.00}, & theyre not sure why. Only thing is I was never refunded the money. In my bank account the {$200.00} is gone & I have a confirmation number from edfinancial that it did go thru. So wheres my other {$100.00}? And why did the {$100.00} that did go thru, not seem to process correctly at all? I ask the rep and she has no explanation or proof that there was evidence of a refund. She asks for a moment to check on things then immediate comes back asking me if Id like a refund on the amount, or if shed like me to have her reprocess it back to the loan it was supposed to go to. I ask her for a refund, and for a confirmation number or some kind of proof of actually get itshe still suggest there is none and tells me to simply wait while it processesso here I am trusting EDFinancial, who I already have had several XXXX dollars mess ups with, all of which was have been there fault, at the expense of adding thousands to my debt. 

First, in XXXX EDFinancial switches websites, and upon switching websites ; they conveniently add loans that I had already paid off back to my balance, as if I had never paid them at all. I call them for this and the man assures me this would be corrected. This added approximately {$3500.00} to my balance that I had already paid off. 

Next, instead of showing those loans as paid off, they instead remove them altogether ( so as to appear as if I hadnt made any payments ), negatively impacting me for the various programs I could be eligible for. 

If I hadnt been paying attention they would have added who knows how much to my account, and straight up stolen money in paymentsI can only imagine what theyre getting away with for people who dont pay attention as much. WHAT THEY ARE DOING IS HIGHLY ILLEGAL. People dont have time to keep track of this type of stuff and theyre purposely stalling and making mistakes they hope people wont notice, while piling on extra debt. Lawsuit incoming I can assure you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I Do not recognize these credit inquiries. I've ask and pleaded with Experian to have them removed. I did not get any kind of help. I am also providing a copy of a Identity report attached with my FTC Report number. I am requesting that the Inquiries be removed because inaccuracies and not mine. 

Inquires 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 FTC directed me to CFPB being that I have a file active..

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX IS VIOLATING MY FCRA RIGHTS FOR ALLOWING THIS ACCOUNT TO CONTINUE REPORTING ON MY CREDIT REPORT. XXXX XXXX XXXX  THIS ACCOUNT HAS BEEN CHANGED MULTIPLE TIMES, DUE TO MULTIPLE REPORTING ERRORS. THE FCRA CLEARLY MENTIONS ALL INCORRECT ACCOUNTS BEING REPORTED MUST BE REMOVED. THE FOLLOWING ACCOUNTS ARE BEING REPORTED INCORRECTLY AGAIN AND MUST BE REMOVED : XXXX XXXX XXXX XXXX XXXX EQUIFAX CHANGED THE INFORMATION 5 TIMES AND IT STILL NOT CORRECT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Ally Bank regarding the sudden and unwarranted suspension of my checking account access. On XX/XX/XXXX, I deposited a check via electronic means, which subsequently led to the suspension of my account due to suspicions of fraudulent activity. 

Its crucial to note that I immediately took steps to clarify this matter. On XX/XX/XXXX, I reconnected with the third-party brokerage agent involved in cutting the check. The agent unequivocally confirmed the authenticity of the deposited check. Despite this validation, Ally Bank has persistently refused to disclose any specific suspicions or provide an estimated timeline for the ongoing investigation. 

This lack of transparency and the prolonged denial of access to my funds are causing substantial inconvenience and financial hardship. I urgently request immediate clarification on the alleged fraudulent activities and a clear, definitive timeline for the resolution of this issue.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation