vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
Money is issued by the banks in return for government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances. This is because it is backed by the credit line of the nation, and our labor was pledged as collateral near the time of our birth. 

In XXXX we trust = Government XXXX XXXX, is this incorrect, if so, can you provide me information regarding any information of grantor trust begging with " 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 2024-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In accordancewitj fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666b a creditor may not treat a payment on a credit cardaccount under an open end consumer credit plan as a late for any purpose. 
Specifically, XXXX XXXX and Synchrony Bank. Unable to provide original documents and continue to record unaccurate information on credit report as recently as XX/XX/2024. 
I have sent out, Certified letters and mail, requesting documentation to XXXX, with negative results.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am at a loss of words. My credit reputation is being tarnished by this huge mistake on my credit report which is completely false and misreported. Experian is reporting this record mistakenly on my credit report. The record is also incomplete, which is also another reporting violation.

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 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: AZ

Complaint narrative:
On XXXX  XXXX XXXX I applied online for a second credit card with Discover. Discover denied my application which is a negotiable instrument. I have one credit card with Discover which is perfect standing. I have not missed any payments. I do not have any late payments. I do not carry a large balance. Yet Discover denied me access to credit. That ia a violation of several Federal laws such as the Fair Credit Reporting Act and the Equal Opportunity Act. I requested Employees of Discover to return my application to me but my request was denied. Discover has refused me to increase my credit limit in the open account I already have so I applied for a new credit line. Discover is reporting private transactions to third party non affiliates which is a violation of FCRA. Some codes violated are 12 CFR 1002.4 ( a ), 15 USC 1691a ( 3 ) This is Discrimination. I am exercising my right in good faith under Chapter 41, that right is evidenced in the ECOA and the TILA 1602 ( f ) credit. 12 CFR 1002.4 ( b ) it's rather discouraging to hear Discover thinks I don't qualify in a " consumer '' credit transaction without being provided a reason, which per 12 CFR 1002.9 ( a ) ( 2 ) ( i ) is required. To the " extent '' that Discover considered my creditworthiness it should've been done in a manner consistent with ALL qualified applicants for a similar type and amount of credit. Discover should also preserve MY original application I submitted per record retention LAWS. 

1 ) The application was a deposit of a negotiable instrument.

2 ) The deposit was done electronically.

3 ) The instrument contained a Power of Attorney that allows Discover to open accounts in my name.

4 ) I now demand for Discover to provide me proof that the actual instrument was denied/returned, Or 5 ) Discover needs to provide a satisfactory method for stopping the deposit from happening.

6 ) If they can not ( which I am positive Discover can not ), I demand Discover open the account and issue the card so I can track the accounting via monthly statements and monitor the account for fraudulent activity.

I will follow up with a certified letter submitting a complaint to the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I was a victim of identity theft and fraud. On XXXX 2023, I noticed a company kept appearing on my credit reports, Ally Financial. I have never heard of this company and immediately started investigating. I learned that this was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX I then knew this was fraud and immediately contacted the authorities. I currently have a detective on the case and he updates me on a regular basis. I also learned that this vehicle was repossessed from the individual and that this person also got a DUI in the vehicle. The detective has made out a police report and I also had a legal notarized affidavit done and sent to all 3 credit bureaus. I also contacted this Ally Financial and spoke to their fraud department, and spoke to a XXXX. She stated they would get this matter resolved but it would take 30 days. Since then, I received a letter from XXXX stating that they came to a resolution of their investigation and that they are in accordance with Ally Financial and that I am responsible for this auto loan. This is a nightmare. I want to buy my first home, but now I may not be able to do this. I am also going to submit the FTC Identity Theft 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 2024-02-09 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: CA

Complaint narrative:
I was a victim of identity theft and fraud. On XXXX XXXX I noticed a company kept appearing on my credit reports, XXXX XXXX. I have never heard of this company and immediately started investigating. I learned that this was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I then knew this was fraud and immediately contacted the authorities. I currently have a detective on the case and he updates me on a regular basis. I also learned that this vehicle was repossessed from the individual and that this person also got a DUI in the vehicle. The detective has made out a police report and I also had a legal notarized affidavit done and sent to all 3 credit bureaus. I also contacted this XXXX XXXX and spoke to their fraud department, and spoke to a XXXX. She stated they would get this matter resolved but it would take 30 days. Since then, I received a letter from XXXX stating that they came to a resolution of their investigation and that they are in accordance with XXXX XXXX and that I am responsible for this auto loan. This is a nightmare. I want to buy my first home, but now I may not be able to do this. I am also going to submit the FTC Identity Theft Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I opened an online PayPal Credit Account with PayPal Credit purchasing a laptop and printer in XXXX. Thereafter, I set up an online account to make payments online. In approximately XXXX, I requested that the account be closed and continued to try to pay account until I could get it to a XXXX balance. My payments were due on the XXXX of each month. As a Teacher, I requested that PayPal change my due date to the end of the month, which corresponds to my pay date so as not to incur late fees. PayPal has not complied, I also requested that my contact information be updated on XX/XX/XXXX so that I can continue to make online payments through my computer or cellphone. PayPal has limited access to my online account, by not updating contact information which prohibits me from making payments on the same day. Instead, they mailed me a statement to pay on the account which would take longer to get to them thereby incurring additional late fees. The account has been reported negatively to the Credit Bureau thereby negatively impacting my Credit Score. I have made repeated attempts to talk to : PayPal Credit/SYNCB XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX no avail. At this rate, my account is impossible to pay off. Please help 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 2024-02-09 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CO

Complaint narrative:
On XX/XX/XXXX I was terminated from my place of employment. They gave me a Skylight pay card and told me that my funds would be available the next day. Enclosed in the card package were XXXX skylight checks. The package states that the Skylight checks can be cashed for no fees at all XXXX locations. I went to the XXXX to cash the check and take it to my bank. Unfortunately, the tellers over there did not know how to cash a skylight check and it kept coming up declined. I had to call Skylight and they had to void that check and put my money back on my account, which would take XXXX business days. The following Friday, I went to a different XXXX XXXX and they knew what to do. I went ahead and got the approval number and they went ahead and got the authorization number. But when they ran the check thru their system, it kept coming up denied by skylight positive pay system. Again, I called skylight while sitting at the bank after XXXX minutes. I was told that a supervisor would call me in XXXX minutes to an hour. XXXX hours later I had still not received a call so I ended up calling Skylight again, and they are telling me the same thing that they would need to void the check and I would have to wait anither week for the money to be put back on my account. But I do not have any other checks to get my money out of the account and there is no guarantee that this will not happen again.

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 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
~ XX/XX/XXXX : I received an email offer to open a new Wells Fargo XXXX checking account by XX/XX/XXXX to receive a {$2500.00} bonus ( using offer code XXXX ) if more than {$250000.00} of new deposits were made to linked accounts within 45 days of opening account and maintained through day XXXX of opening the account. Payment of the bonus would be made within 30 days of satisfying these terms. 

~ XX/XX/XXXX : My wife and I opened a new Wells Fargo XXXX joint checking account ( using offer code XXXX ), and made more than {$250000.00} in new deposits to linked accounts within 45 days of account opening, and held the required balance through day XXXX of opening the account. 

~ XX/XX/XXXX : the bonus has not been deposited to our Wells Fargo XXXX checking account within the 30 day period subsequent to satisfying the bonus terms.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I called XXXX XXXX and asked to verify account # XXXX in XXXX they said another company had it so I send them a investigation request letter in XXXX and they said they didnt have it anymore so I opened a dispute with XXXX XXXX XX/XX/XXXX and it came back verified but with a repossession added to my credit card 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 non-monetary relief
Consumer complaint received 2024-02-09 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: OK

Complaint narrative:
I called XXXX XXXX and asked to verify account # XXXX in XXXX they said another company had it so I send them a investigation request letter in XXXX and they said they didnt have it anymore so I opened a dispute with XXXX XXXX XX/XX/XXXX and it came back verified but with a repossession added to my credit card report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
made two credit card payments to XXXX from my Chase account on XXXX XXXX and XXXX. Chase did not submit funds, yet the funds came out of my account. Coincidentally, I was a victim of fraud on my checking account. The fraudster convinced Chase Customer service to change my verbal password and security questions, then changed my address. My account was closed at the end of XXXX. The XXXX dept. at Chase found my money, but since my account was closed they mailed a cashier 's check. The fraudsters address was on my account. The check was mailed there and the fraudster signed my name and did a mobile deposit to her XXXX XXXX account. Chase will not return my funds and gave me contact info for me to call XXXX XXXX myself. I did nothing wrong. No one has told me why they did not send my payments to XXXX. Chase Customer Service allowed the fraudster to change my verbal password and additional security questions. WHY??? If the person didn't know my verbal password, what's the point of establishing these additional levels of security. Chase is the one who made several mistakes and they won't give me my money until they get it from XXXX. I shouldn't have to wait. This is not right. I am owed {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: OR

Complaint narrative:
Debt collection company TrueAccord Corp is contacted me on XX/XX/year> via email claiming that I have a debt of {$350.00} that was originally owed to XXXX XXXX XXXX XXXX XXXX 

The email address they used is a throwaway address that I do not use for official business. 

I have never had an account or debt with XXXX XXXX XXXX XXXX XXXX 

The physical address they say they have on file is not one I've ever lived at ( or even a state I've ever visited ). 

I informed them of this but they emailed me again, XX/XX/year> doubling down on their claims that I have this debt.

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 2024-02-09 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: MI

Complaint narrative:
My venmo account was frozen for no known reason. I have all my money in there and account unaccesible. I need food and gas, money unaccesible. 
Sent emails and called no help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: TX

Complaint narrative:
XXXX XXXX XXXX has a negative account reporting on my credit report, per the XXXX XXXX XXXX XXXX is NOT authorized to report or collect within the boundaries of my state of TEXAS. Please see the attached document from the XXXX website confirming XXXX XXXX XXXX is not licensed in Texas. I have sent XXXX XXXX XXXX numerous letters requesting debt validation and they just like Experian have failed to verify the method of verification of all disputes as requested. Experian nor XXXX XXXX XXXX can validate the debt. Experian is in violation of 15 USC 1681i ( 6 ) ( b ) ( iii ) and 15 USC 1681i ( 7 ) not providing the method of verification is a willful neglect of non-compliance of 15 USC 1681N. Since neither company Experian nor XXXX XXXX XXXX can provide the information request this is causing credit defamation by reporting false unverified information and proves both companies have failed to perform their due diligence to ensure they or reporting accurate information. Had the proper research been done Experian would have known XXXX XXXX XXXX is not authorized in the state of TX to collect or report a debt.

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 2024-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AK

Complaint narrative:
I initially called several months ago to ensure that I was on the SAVE plan and to have my loans put into repayment so that interest would not accrue. I have called 3 times since then to confirm that I am on the SAVE plan and that interest is not accruing as I keep seeing interest applied to my account. Every time I call them I get a different answer. Right now my loans are no longer in repayment, and I did not authorize this. Today on XX/XX/XXXX I have spent 4 hours on hold and when I do get a real person the line disconnects in the middle of the call. One thing the representative did tell me is that there is a problem on Mohelas side with loans being kicked out of repayment and back into deferment or forbearance, thus not qualifying for the SAVE plan, allowing interest to accrue. 

I have also sent several messages through my portal which take weeks to receive a response and often the response is like this one from XX/XX/XXXX : MOHELA 's Response : Thank you for contacting MOHELA, Our records indicate that you have already called and spoken to one of our Customer Service Representatives regarding this inquiry. We will assume the inquiry has been handled. 

If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX. to XXXX XXXX., Tuesday and Wednesday XXXX XXXX. to XXXX XXXX., Thursday and Friday XXXX XXXX. to XXXX XXXX. CT. 

Thank you, MOHELA '' Yet my questions are never answered and the interest continues to grow. At this point I have spent days on hold with Mohela, when I should be working on my job applications. This is an unacceptable use of government programs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been debited for an old acct that was closed and funds are debited from acct and caused my bills to be late. 

I have no idea how much is owed. They can take what ever amount they want without my knowledge

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 2024-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I received an order of service process of garnishment on XX/XX/XXXX for a loan dated XX/XX/XXXX. The company is credit acceptance corporation through an attorney XXXX XXXX XXXX XXXX. I never received anything to come to court or dispute it. I have lived at the same address since XX/XX/XXXX. Actually, the car was repossessed. The amount that stating I owe {$11000.00}. I can't even remember the type of vehicle it was or the amount since it has been many years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Johnson Mark LLC
State: UT

Complaint narrative:
I never received anything about this debt. They are garnishing my wages and the debt is from 2007 is what they said when I called I had to get contact information from my employer to who was garnishing my wages.

Company response to consumer: Closed with explanation