vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
On case number XXXX XXXX I returned some items to the merchant. The package weighed 4.40lbs and was confirmed as delivered, yet the seller claims it was empty and refuses to issue a refund. 

I attempted to dispute this through PayPal 's system, but unfortunately, the process is very flawed, and I encountered several issues. 

Despite providing all necessary documentation, my initial claim was denied on XX/XX/year> due to supposedly missing supporting details. 

My subsequent appeal was rejected on XX/XX/year>, because the case was incorrectly categorized as " Item not as described '', which apparently didn't meet PayPal 's criteria for significance. 

During a follow-up call to appeal again, my claim was denied yet again on XX/XX/year>, seemingly due to another misunderstanding/system error PayPal believed I claimed the seller agreed to issue a refund, whereas the issue was with the seller not honoring the return. 

This lengthy dispute resolution process has exhausted my ability to pursue further attempts at reaching a solution, like with my credit card. 

Considering the weight of the evidence and the documented return receipt I submitted, a case closure in my favor would constitute a fair and reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MS

Complaint narrative:
I am filing this complaint because I am providing additional information regarding XXXX accounts that is showing up inaccurate in my consumer reports. DO NOT MARK MY COMPLAINT AS FRIVOLOUS. I HAVE ADDITIONAL CONTEXT ATTACHED BELOW. The company is NELNET and I have disputed with them multiple times about unresolved issues in my consumer reports with XXXX, XXXX, and XXXX. I have disputed with the CRAs regarding this matter and each of the XXXX accounts continuously comeback " verified '' instead of corrected. The company does not see it as an issue, and I have provided more than enough evidence to show that it is. This company is not updating the consumer reporting agencies with the correct information as the FCRA requires leaving my credit worthiness damaged, inaccuracies unresolved, and my proof of claim overlooked. It was stated by NELNET that NELNET 's system had correct information, I am not denying that, but I was trying to direct their attention to the fact that my reports contradict their statement per the payment history information the CRAs are providing me with from each CRA. My factual points are being regarded as irrelevant and even said to have no basis. I believe their claim to be statutorily inaccurate and in violation of the FCRA. I was told to file a complaint regarding the issue only when I have additional information regarding the account, and I recall when the CFPB prohibited Furnishers from demanding such things. The furnisher already has efficient evidence given to them directly from the consumer reporting agency 's websites and not pulled from a third-party credit report provide by companies like XXXX XXXX '. I have provided them evidence from the source of whom they furnished the information with, and they have still denied my claims that the accounts are reflecting inaccurately. Within the evidence I provided, it contained the erroneous information highlighted, circled, with supporting facts direct from the CFPB and even the FCRA statutes that supported such yet they still seem to be turning a XXXXXXXX XXXX to the current issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against XXXX XXXX. for multiple violations of federal laws and regulations, as well as against Equifax, XXXX, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX XXXX XXXX XXXX in their knowledge that the debt in question was XXXX. Despite this knowledge, XXXX XXXX XXXX continued to furnish information related to my account to Equifax, XXXX, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

Furthermore, XXXX XXXX XXXX unlawfully attempted to collect on a XXXX debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). The IRS defines a charge-off as Gross or Ordinary income, and it clearly states that income can not be reported on a consumer report. Therefore, the reporting of this account as a debt is factually incorrect and does not align with IRS regulations. XXXX XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt, which is required for filing as ordinary income according to IRS guidelines XXXX This lack of documentation further supports the inaccuracy of reporting this account as a debt. Attached is a copy of the 1099-C for which I personally filed for XXXX XXXX XXXX 

Moreover, XXXX XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by Equifax, XXXX, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX XXXX immediately delete the account related to me from their records and cease all further reporting to Equifax, XXXX, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX XXXX Equifax, XXXX, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission XXXX XXXX XXXX XXXX XXXX file no. XXXX ). 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against XXXX XXXX. for multiple violations of federal laws and regulations, as well as against XXXX, Experian, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX XXXX XXXX XXXX in their knowledge that the debt in question was XXXX. Despite this knowledge, XXXX XXXX XXXX continued to furnish information related to my account to XXXX, Experian, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

Furthermore, XXXX XXXX XXXX unlawfully attempted to collect on a XXXX debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). The IRS defines a charge-off as Gross or Ordinary income, and it clearly states that income can not be reported on a consumer report. Therefore, the reporting of this account as a debt is factually incorrect and does not align with IRS regulations. XXXX XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt, which is required for filing as ordinary income according to IRS guidelines XXXX This lack of documentation further supports the inaccuracy of reporting this account as a debt. Attached is a copy of the 1099-C for which I personally filed for XXXX XXXX XXXX 

Moreover, XXXX XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, Experian, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX XXXX immediately delete the account related to me from their records and cease all further reporting to XXXX, Experian, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX XXXX XXXX, Experian, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission XXXX XXXX XXXX XXXX XXXX file no. XXXX ). 

Thank you for your prompt attention to this serious matter.

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 2024-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
the goldman sach apple card support team or customer service team his hard to work with, they have a very high interest rate and the principal balances does not go down the interest rate has variable movements. pay more less interest rate pay less high interest rate. they have no team in place to help customer get back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Please send me all original transactions and documents stating this debt in balance XXXX XXXX XXXX  Account # XXXX I have filed a police report pertaining to this debt and information that you were not able to provide Report # XXXX Report type : Fraud Officer : XXXX Badge # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
Late Payment Date : XX/XX/year> Account Name : XXXX Account number : XXXX Late PAyment Date : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX I am writing to dispute the following inaccurate information that appears on my credit report. Under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. Additionally, if an open-end consumer credit plan provides a grace period during which the obligor may repay any portion of the credit extended without incurring an additional finance charge, such a charge may not be imposed unless a statement including the amount upon which the finance charge is based was mailed or delivered to the consumer not later than 21 days before the date specified for payment. In accordance with 15 U.S.C. 1666b, I request that the credit bureau conduct a thorough investigation of these items and correct or remove the inaccurate information from my credit report.

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 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Discrepancies in Recent Account Statement Dear BOA Customer Service, I hope this message finds you well.I am writing to bring to your attention XXXX errors in my recent account statement dated XX/XX/2024. The details are as follows : XXXX. Autopay Error BOA Confirmation # : XXXX autopay setting for BOA credit card account XXXX processed a payment despite an ending balance of XXXX as of XXXX XXXX XX/XX/XXXX statement for BOA credit card XXXX shows an ending balance of XXXX. Despite this, an autopay transaction was processed. I called customer service on XX/XX/2024, to request a refund due to this system error XXXX XXXX. Human Error in Transaction Fees Reference # : XXXX incorrectly used my credit account to process a refund related to the error mentioned above. Shouldn't deduction of XXXX was made on XX/XX/2024, confirmed by # XXXX. transaction type as fees.? BOA let customers pay for their mistakes. Such errors should not occur and are concerning. 

XXXX. Unresolved Issue at Local Branch On XX/XX/2024, I visited my local BOA branch. one bank staff member assisted me in a conversation with the person responsible for the error, but he insisted there was no mistake. Additionally, I have found it challenging to file a complaint through the BOA online " Help and Support '' system, which only caters to merchant transaction issues and does not address internal system or employee errors. I kindly request a review and correction of these discrepancies. 

Thank you for your attention to this matter. Sincerely, XXXX XXXX Email : XXXX Phone/Text : 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 monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I found a police report concerning this matter. Please remove this information at once. Its as its inaccurate you have yet to send me exact trans actions that calls this debt in the first place. 

Report # XXXX Report : type : fraud Officer : XXXX Badge # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: MOHELA
State: FL

Complaint narrative:
XXXX XXXX XXXX I signed for a loan of XXXX XXXX  with taxes included to a XXXX program. they said this on there program description : Get placed in a XXXX XXXX  tech job through our done-for-you training and job placement system in as little as 90 days!. whitch in fact is a complete scam. Ive been doing the program for XXXX  months now and ive gotten no help or emails back from the company. i asked for help a million times. they did not provide anything they said they would.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
On XX/XX/year> I faxed a debt validation to this company and never received a response. Since it has been more than 30 days, I'm requesting this alleged debt ( account ) be deleted from my credit report and all collection activities stop. In addition to filing a complaint here, I've also faxed the attached documents to the company again and provided a fax confirmation receipt dated for today XX/XX/year>.

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 2024-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
On XX/XX/XXXX I received my direct deposit from XXXX in my Venmo account that I had made and completed the identification verification and everything else required to open the account. The same day I received my first payment of XXXX immediately Venmo suspended my account and will not allow me to access the money unless I give them a bank statement on which the money came from. The fact that it was direct deposit from the state of New Mexico workforce XXXX XXXX prevents me from providing a statement. So now Venmo has completely froze my account and will not allow me to close my account or access my money it is now XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: OH

Complaint narrative:
My mortgage company said my escrow was short so my payment went from {$700.00} XXXX XXXX per month which I called them and said Im on a fixed income and youre putting me in financial hardship and can you extend the escrow loan over a three-year period and they told me youre not delinquent youre not in foreclosure we cant help which yes they can. This is not right, so I am contacting you to make a complaint with this mortgage company/bank dissatisfied

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 2024-06-02 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:
There is a collections company by the name of XXXXXXXX XXXX XXXX XXXX who has been calling me for the last two years regarding a debt for a school named XXXX XXXX XXXX XXXX. Stating that I owe them Money for XXXX. Which that is incorrect. I have no knowledge of this and I asked the collections agency to provide documents to show proof this is my account and I have yet to receive it. They are XXXX  my credit report by making derogatory remarks and its effectively damaging my credit. They have been harassing me for the last two years saying they are going to garnish my wages and suspend my license if I dont pay. I have spoken to the school and still nobody can give me an answer but yet its on my credit. I have fraud alert on my credit for years because I am a victim of identify theft. I just need this to be resolved quickly because this is hurting me and my credit and its been very hard for me to try and get a house with this on my report and especially when I have No proof this belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: GA

Complaint narrative:
There is a collections company by the name of XXXXXXXX XXXX XXXX XXXXXXXX who has been calling me for the last two years regarding a debt for a school named XXXX XXXX XXXX XXXX. Stating that I owe them Money for XXXX. Which that is incorrect. I have no knowledge of this and I asked the collections agency to provide documents to show proof this is my account and I have yet to receive it. They are XXXX  my credit report by making derogatory remarks and its effectively damaging my credit. They have been harassing me for the last two years saying they are going to garnish my wages and suspend my license if I dont pay. I have spoken to the school and still nobody can give me an answer but yet its on my credit. I have fraud alert on my credit for years because I am a victim of identify theft. I just need this to be resolved quickly because this is hurting me and my credit and its been very hard for me to try and get a house with this on my report and especially when I have No proof this belongs to me.

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 2024-06-02 00:00:00
Product: Credit reporting 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: PA

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 confidentially under 15 U.S.C. 1681 has violated my rights 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. 

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

15 U.S.C 1681 section 604A 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 ) sections states. No consumer reporting agency may make any consumer containing any of the following items 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 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