vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am in the process of getting pre approved for an home and while going through my credit report I noticed several accounts that are closed and still reporting. I have a XXXX XXXX account that was settled and paid in total amount of {$350.00} on XX/XX/2023 and was told by Transuion it will stay on my account for 7-10 years. I tried to dispute with all 3 credit agencies with no luck. I have two accounts with XXXX XXXX XXXX that started reporting in XXXX of 2023. The amounts for the two accounts are {$410.00} and {$3100.00}. I called XXXX XXXX  where they told me there was no account on file attached to my name. When I disputed the accounts were not removed. According to the 15 USC 1681 law, there should not be any damages on my report. This is a defamation to my character.

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 2024-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon checking my credit report a account by the name XXXX XXXX is reporting on my credit report that I do not own I have never had a account with company and never gave this company permission to report on my credit report.

15 USC 1681 c ( 2 ) A consumer reporting agency shall block the reporting of any information in the file that the consumer identifies as information that resulted in an alleged identity theft not later than 4 business days after the date of receipt. It has been passed that and you are in violation of this law because I am a victim of identity theft.

This account should not be furnished on my consumer report as they are in violation under 15 USC 1681 b permissible purpose of consumer reports ( a ) in general subject subsection ( c ) 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with WRITTEN CONSENT to report anything on my consumer report which violates my rights as a protected consumer. And I never gave any collection agency or consumer reporting agency consent.

15 USC 1681 section 604 ( a ) 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 

PLEASE DELETE IMMEDIATELY!!!!!

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 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ADP Inc.
State: OR

Complaint narrative:
On XX/XX/21 ADP debited my business checking account for {$9000.00} and {$8900.00} for payroll taxes. Only the {$8900.00} was authorized. The {$9000.00} was not authorized and has not been refunded.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Good evening, From XXXX of XXXX to XXXX of XXXX I have found 23 separate incidents of fraudulent charges totaling over {$24000.00} on my Chase personal checking account. These charges were made by a debit card that I was assured ( by Chase ) was cancelled or directly withdrawn from my checking account. Each one of these charges are from hotels all over the country that I have never stayed in, nor has a member of my family stayed in, nor have I authorized someone to stay in using my card. Each time this has happened I have reported the fraud to Chase and they have reversed the charges leaving me net neutral as of year end XXXX. 

Note that I never received a single alert, push notification, or phone call to alert me to any of these transactions prior to their approval even though they were highly irregular in my account as I rarely used my debit card for purchases. 

Recently, I found a new charge for {$2200.00} on XX/XX/XXXX with the details listed as " XX/XX/XXXX XXXX XXXX XXXX '' that was fraudulent. When I reported this to Chase 's fraud department on XX/XX/XXXX they stated that this was a direct debit to my account related to prior fraudulent charges I reported from the XXXX XXXX XXXX. This dollar amount does not match any prior charges or any logical combination of prior charges from any XXXX XXXX XXXX locations. I then visited a Chase branch in person with my husband on Saturday XX/XX/XXXX where the regional manager went above and beyond to try and help me resolve the issue. She suggested that I reach out to XXXX ( the owner of XXXX XXXX XXXX ). After spending 4 hours and three separate phone calls with the XXXX Fraud department, they stated that since I didn't have reservation numbers and didn't know the locations of the hotels that had billed my checking account that they could not take further action. 

I have spent countless hours of my time trying to remedy this situation to no avail and would love for any assistance the CFPB might be able to provide. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo for several years have given me misleading information the run around with incorrect information made statement they mailed documents to correct my mortgage servicing. See detailed chain of events attached.

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 2024-02-26 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:
I believe FCRA 605B means they should remove incorrect accounts from credit reports. Can you please check the documents? Some accounts on my report are wrong, and it's making me upset and sick.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: CA

Complaint narrative:
I requested that Nelnet fix my student loan balance to reflect the loans currently owed back in XX/XX/2023 after a change in balance. I followed up multiple times in XXXX, XXXX and XXXX regarding having the loan balances match ( my total amount due matching with the payoff amount matching with what is reflected on XXXX  ), for which nothing was done. As such, I am unable to make any changes to my student loans as they are not reflected properly hindering my ability to apply for services offered through XXXX potentially missing time critical deadlines coming up for student aid relief, all the while making improper payments on amounts due while the nelnet company prolongs this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
In XXXX, I traded in my XXXX XXXX that was having connectivity issues with XXXX Retailer at the XXXX XXXX in XXXX, PA. The phone was still not received by the company and did not receive the credit. On XX/XX/2024 I noticed charges on my PayPal and Venmo accounts from a XXXX XXXX XXXX. I did not have an account with XXXX XXXX XXXX, therefore I knew it was fraudulent. Venmo was able to verify the fraudulent transactions and updated my account. I contacted XXXX XXXX XXXX who also closed the account. PayPal refuses to consider this a fraudulent activity as I have used online casinos in the past which is bias. They are requesting {$700.00} and ceased my account. I am unable to pay my PayPal Credit and PayPal MasterCard as I do not have access to my account. 
XXXX has acknowledge unauthorized use of my phone traded in and has disabled the phone from future use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently made timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
unauthorized inquires in which in I never applied.

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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I took a call from American Express and agreed to sign up for a Membership Rewards program for Corporate Account. The problem was that the agent on the phone applied the service charge of {$40.00} to a XXXX XXXX ( an American Express card ) that I didn't have in my possession and unbeknownst to me, had an old address. ( The card hadn't been used for nearly 9 years. ) In XX/XX/XXXX I started getting text messages that one of my accounts was overdue. So I opened the mobile app and was confused by that XXXX  as my accounts weren't overdue. So I assumed this was a fraudulent text message. Later I got another text message. I logged onto AmericanExpress.com and the same story : all of the accounts were in good standing. ( Note that for some reason the XXXX XXXX wasn't attached to any of my online portals. This is a mistake on American Expresses side. ) In XX/XX/XXXX my mobile app started notifying me that an account was delinquent, which was really strange since again, all of the accounts it showed were in good standing. 

It happened again in XX/XX/XXXX so I called AMEX. The person on the phone told me about the XXXX XXXX ( which I hadn't seen in almost 9 years ). The next day they would try to autopay from a bank account that didn't have enough money in it, and it was too late to stop the payment ( maybe it was less than 24 hours ). So he said I should correct my address information, get a physical card sent to me, and then fix the payment information before the next month. I did all of that. I paid the card so the account is in good standing. But for a {$40.00} service ( which I later canceled because it was going to cost more than the value it was going to create ) all I got was a XXXX point drop on my credit score. 

I've been a customer for a long time, since XXXX. I called customer service on XX/XX/XXXX and she said I would need to call a specific department on M-F during normal business hours at XXXX. I called on XX/XX/XXXX and she said their department couldn't do anything about it. I called general costumer service on XX/XX/XXXX and that fellow said there was nothing to do other than wait for the credit score to increase over time. So he's basically saying I need to suffer for 18 months for a {$40.00} service his company suggested that I purchase. 

It's unfair for this company to damage my credit score and say I should be accountable for an account that was invisible to me since XXXX, the last time I lived at that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: GA

Complaint narrative:
I believe FCRA 605B means they should remove incorrect accounts from credit reports. Can you please check the documents? Some accounts on my report are wrong, and it's making me upset and sick.

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 2024-02-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
As I knew it would be, in a futile effort to resolve the issue I previously complained about, I contacted them again on XX/XX/2024, @ XXXX, CST. The first call was on hold for XXXX, XXXX before it was disconnected by them. I called back @ XXXX, finally reaching XXXX after pressing '0 ', which by the way, WAS NOT listed as an option to reach a live CSR! I explained why I was calling and read part of the response I rec 'd regarding the last complaint. ( I am unable to add funds using my bank account because I can't add my bank debit card to Bluebird, as it was previously ) Their letter stated : We understand your concerns about the status of your account. In order for you to be able add funds to your Bluebird by American Express account using the debit card that you referenced in your correspondence, you must contact us to perform a 3-way bank verification with your bank. Please call us during your banks business hours for us to assist you further. You may reach us at XXXX. 

XXXX seemed clueless as to what I read meant and ultimately after placing me on hold many times, told me the only way for me to add funds to my card would be to go to a physical location because of 'suspected fraud ' on my account. Excuse my XXXX but is total XXXX! There was/is no fraud and I voiced that! This is all a ruse to make my use of this card as inconvenient as possible because they think I will go buy their new fee-based card! I ultimately wasted XXXX in another unless and conversation with them yet again!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-26 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:
FCRA 605B says they should remove incorrect accounts from reports. Could you please look at the documents? The accounts on my report are wrong, and it's upsetting and worrying 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 non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Customer service, foreclosure dept has not communicated during, the servicing of my mortgage assistance requests. I have listed the chain of events.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: GVA Holdings, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX, I received an email letting me know that a payment was coming for a payday loan. I immediately called Cash Advance Now and told them I did not have anything to do with taking a loan out. The representative told me he saw that the money went to another account that he could not identify ( after I identified the name of my current bank ). I asked him to email and mail me the contract that I supposedly signed, in which he stated he would. I never received the documents. 

On XX/XX/XXXX, I received a collections notice from them stating that the account was past due. I replied back to the email and spoke with a representative on XX/XX/XXXX and he informed to disregard as it had been taken care of. I asked for a letter telling me that it was taken and no other action needed before hanging up. 

On XX/XX/XXXX, I received another notice that said I was past due. I called customer service again and was told that I didn't need to worry and the letter will follow in 7-10 business, as soon as the account was closed. 

On XX/XX/XXXX, I received another email letting me know the account was still delinquent. I called and spoke to XXXX and he informed me that they never received the forms needed to research the account. I told him I'd never receive anything, in which he forwarded me the steps I needed to take, including creating and filing a complaint with ID Theft, which I completed on XX/XX/XXXX ( delay with the holidays, travel, and work ). I also sent a letter to them asking for details on the loan and proof that I signed it. I never heard back from them so I called them on XX/XX/XXXX and was told that they never received the documents requested. They resent me the email, in which I resent the documents to them. 

I emailed the team at Cash Advance and didn't back so I called them on XX/XX/XXXX and left a message. I have yet to hear back from them on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
PROSPER MARKETPLACE IS ILLEGALLY REPORTING DEBT WITHOUT VALIDATION OR PROOF OF HOW LATE ACCOUNTS WAS VALIDATED. 

PROSPER MARKETPLACE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT:XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our XXXXredit score. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice.

Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

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 2024-02-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: IL

Complaint narrative:
I am put on collection and I do not know why I never took a loan from them. I dont know who they are. They are claiming theyre gon na send me my original loan documents, but I never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed several unauthorized inquires on my TransUnion credit report I contacted TransUnion on XX/XX/XXXX and spoke with XXXX. 4 XXXX XXXX XXXX XXXX, 6 - XXXXl XXXX, 1 - XXXX XXXX XXXX, 1 - XXXX XXXX, 1 - XXXX XXXX 4 - XXXX XXXX XX/XX/XXXX - XX/XX/XXXX. After XXXX took note to dispute the unauthorized inquires, she stated that I should be in this complaint and mail it to TransUnion Dispute.

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