vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
So basically after I literally put all my money into another bank account, its only been 1 week since the switch happened.I literally was just about change my direct deposit and they just completely kicked me out of my own account with no warning. Bank of America is closing my account and wont explain why. I never did anything illegal with my account its literally my work checks direct deposited every 2 weeks. I feel like they are discriminating against me because of my race. Its no other options, because I legit work everyday I have my money deposited into the account. Its in my account records you can see how many checks from work has been deposited. Im very upset and I think its unprofessional of them to not even warn me or even explain why. Its sneaky and a easy way to discriminate.

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 2022-08-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I have XXXX charges on my Apple Card account which is managed by Goldman Sachs. Each are in the amount of {$4.00}, charged on XX/XX/2022, XX/XX/2022, and XX/XX/2022. I have made several attempts to contact Goldman Sachs to explain that the associated products were returned to Apple store and therefore the charges need to be refunded. Over XXXX months later, the charges were not refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
My Loan is with Fay Servicing ( wwwfayservicing.com ) loan number XXXX. In XXXX my payment jumped from $ XXXX a month to $ XXXX. I went ahead and paid the full amount. Since then I have been calling them for 40 days trying to get an escrow analysis and itemization of the credits and debits on the escrow balance. I have literally spoke with 6 different representatives that have provided no information nor documentation. Further, since I didn't receive and answer nor any documents, I went ahead and paid the XXXX payment as well in the amount of XXXX. All I am requesting are these documents to see why the payment went up and to make sure the payments were made correctly to the insurance company and county. I am requesting all documents since the conception of my loan. I know that they are violating some law due to the timeframe that is mandated by servicers to provide information to their clients. Your assistance in this matter would be greatly appreciated. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Incidence Date : XX/XX/XXXX Company : Express credit card XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Re : XXXX request for reversal of XXXX payment Made via mobile app. ( Overpayment account is now in negative XXXX ) Called again XXXX for refund Called XX/XX/XXXX for refund that has still not been received no help with representatives *I also tried through XXXX bank but was unsuccessful

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: FL

Complaint narrative:
I asked for Discover to dispute a charge of {$1200.00}. Discover said the merchant didn't send any documents to support the charge and Discover said I needed to pay anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am writing to inform you of a phishing attack. They originated in these email addresses and telephone number. 

XXXX - is the address of the scammer. 

XXXX XXXX - is the phone number of the scammer XXXX - is the address used for PayPal. 

This party is a fraud. I provided a service, namely recorded music for a wedding. They paid me with a check, and then wrote back that it was much larger than the correct amount. So, they wanted me to reimburse the difference, and send the money through PayPal. 

He or she had trouble receiving the money. So I called PayPal customer service, who told me that this account had " bad restrictions '' on it. The party then wanted a screen shot of my notification, so that PayPal would provide the funds. 

This evening I received a notice from my bank that the check they sent bounced. 

Obviously, this is a scam. The fraudster sends a check to someone ( like me ), says a mistake has been made, and wants a reimbursement for the excess money. The victim sends the money through PayPal, and in the meantime the check that the fraudster sent bounces. The fraudster pockets a tidy sum. 

Please, help shut down these crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has reported fraudulent information on my credit report and will not attempt to remove it. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights by reporting fraudulent account history. I would like the account to be removed from my credit report immediately. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting a fraudulent account history. According to the FCRA, I would like the account to be removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my HAND written instructions.

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 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX XX/XX/2022 RE : PERMISSIBLE PURPOSE LETTER To whom it may concern. 

I, ( XXXX XXXX ) never gave ( EQUIFAX, XXXX, OR, XXXX XXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : Name of Account Account Number Provide Verification XXXXXXXX XXXX XXXX XXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV FUNDING LLC/RESURGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/2022 RE : PERMISSIBLE PURPOSE LETTER To whom it may concern. 

I, ( XXXX XXXX ) never gave ( XXXX, XXXX, OR, LVNV FUNDING LLC ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : Name of Account Account Number Provide Verification XXXX/LVNV FUNDING LLC XXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a debt collection letter in the mail from Designed Receivable Solutions for an unknown creditor. The letter did not indicate any creditor information but gave a phone number to call. I called the number and they immediately asked for my personal information- my birthday and my social security number for " verification '' purposes despite my providing the account number assigned to me on their letter. I asked the agent who the creditor was, and she replied that she couldn't provide me with that until I gave her my personal information- which I did not. I ended the call and looked up their payment website. The website either did not exist or had an issue as it did not show up in my browser.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Made a {$100.00} purchase at a website that i realized was fraudulent. I was unable to contact the store to cancel the order so i turned to Goldman Sachs/Apple card to cancel the payment. They originally refunded me, but then came back to let me know that things had been delivered to me and that i was responsible. I let them know that this was not the case and that the merchant had provided a fake tracking number. This was also given to me on print so small that I had to use a magnifying glass to read it. They then rejected my claim for a final time. I lost {$100.00} to a fake store.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have reported the information to Equifax and XXXX they are both reporting inaccurate information.I am entitled to fair and 100 % accurate reporting. XXXX is reporting this was included in a bankruptcy snd Equifax is reporting charged off with last activity date of XX/XX/XXXX. I have requested an investigation of this reporting as well as method of validation. This information was submitted on XX/XX/XXXX as of today XX/XX/XXXX I have not received any update or response from these companies. XXXX was not able to verify this Information and has since deleted it from my credit report but the other companies have not. I have called as well as submitted a letter regarding this and have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
their are 5 inquires on my report that are fraudulent. the inquires for transition are, ( XXXX XXXX ), ( XXXX XXXX ) and ( XXXX XXXX ) the inquires for Experian are, ( 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 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: MI

Complaint narrative:
All 3 bureaus contiue to report Great Lakes which is a student loan servicer as an open account that has been closed for 9 years and 9 months. I've contacted Great Lakes, disputed this account for YEARS on all of my accounts. It needs to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC 1692g I clearly sent, '' Experian Information Solutions Inc. " a Cease and Desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the major credit bureaus this action may constitute fraud under both Federal and State laws.Pursuant to 15 USC 1681. I the consumer have 30 days to a reinvestigation. I am submitting this complaint to make sure I receive my proper investigation within these 30 days.

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 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have submitted a dispute to the credit bureau requesting an investigation into the item listed as a collection on my credit report. I did not receive any updates or response to my request for method of verification. I have sent a follow up to the company as well as called. I am curious to know if XXXX as well as XXXX has deleted this account due to inaccuracies as well as not being able to verify how can Equifax? The representative I talked to on XX/XX/22 name XXXX ID # XXXX stated it is not Equifax job to tell me what methods were used to verify this information and that it is accurate. I am entitled to know the methods this company used to report information against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
All 3 bureaus contiue to report XXXX XXXX which is a student loan servicer as an open account that has been closed for 9 years and 9 months. I've contacted XXXX XXXX, disputed this account for YEARS on all of my accounts. It needs to be removed 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 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
All 3 bureaus contiue to report XXXX XXXX which is a student loan servicer as an open account that has been closed for 9 years and 9 months. I've contacted XXXX XXXX, disputed this account for YEARS on all of my accounts. It needs to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
All 3 bureaus contiue to report XXXX XXXX which is a student loan servicer as an open account that has been closed for XXXX  years and XXXX  months. I've contacted XXXX XXXX, disputed this account for YEARS on all of my accounts. It needs to be removed 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 explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This company continues to violate my consumer rights as i show proof with the attached documents showing how this company does there investagation without proper prodcures. Then they come an tell the CFPB that they either need more time or they did a correct investagation on a consumer dispute. I have asked this company to show mr proof of what they verified and who they verified it from but i yet have not gotten anything that clears that what i have asked for as a consumer. I continue to explain the US law 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A. It also state a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-10 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: Nelnet, Inc.
State: MD

Complaint narrative:
Based on information I was provided by the Nelnet agent XXXX on XX/XX/XXXX ( see attachment ) two payments of {$2600.00} on XX/XX/XXXX and XX/XX/XXXX were made. I was told these payments would be applied to future minimum payments due. 

I am now being told that those payments would not be applied to future minimum payments due, and that I was given wrong information. I did this to get ahead on my student loan payments, and had I known these payments would not be applied to future minimum payments due, I would have held onto the money and paid it when it was due. 

I made these payments based on false information provided by Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I mailed off letters to transunion disputing a few things and they send back a letter that is actually illegal according to a fcra lawyer. I am attaching copies of that letter a long with the letter I sent to transunion that they claim looks like it didn't come from me. The letter they sent to me was dated XX/XX/2022 so that means they have until XX/XX/2022 to investigate or delete it this is a law. I am a consumer and the law states I have the right to dispute anything on my credit report and transunion has to investigate it. Enough with the games, what is it going to take to make them do their job? Again if this is not investigated and completed by XX/XX/2022 then again by law it has to be removed. The first letter is the illegal letter transunion sent me and the second letter is the letter I sent transunion

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