vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Hello Digit, LLC
State: UT

Complaint narrative:
On Thursday XX/XX/XXXX I attempted to make a {$25.00} transfer from my XXXX XXXX account to my XXXX account. However a system error caused the transfer to be processed twice. 


I waited a few days to see if the transaction would fall off my account as it was " Pending '' in my Spending account. However, on XX/XX/XXXX the transaction was still shown as pending on my Spending account but my investment account showed it had been returned for XXXX, insufficient funds. I contacted Digit regarding this requesting that they investigate and my case was escalated with their engineering team. 

To this date I still do not have access to the {$25.00} that has been pending since XX/XX/XXXX at XXXX PM. I have made numerous follow-ups requesting additional information and on XX/XX/XXXX I received the following : I '' do want to assure you that we have been partnering with our engineering team to see what was going on. To explain a bit more, the transfer from XX/XX/XXXX has been returned correctly. The funds from that transfer should be back in your account. In addition, you created a manual transfer of {$25.00} later in the day on XX/XX/XXXX, and that transfer was successful. This means that the amount you are seeing in your account should all be correct. '' This is incorrect. My Digit XXXX account currently shows a {$0.00} balance, a pending {$25.00} withdrawal to my investment account, and does not allow me to make a transfer of {$25.00} as it shows my available balance is {$0.00}. I've forwarded a subledger for my account showing all of my transactions minus the pending {$25.00} withdrawal to Digit and it shows I still should have {$25.00} in my account. This needs to be corrected immediately, it's been nearly a month that this has remained pending and I have not been given access to my funds. 

While {$25.00} isn't a lot of money it's the equivalent of a credit card payment for many folks and the fact that a system error has caused my money to be unaccessible for over a month and for their engineering team to say that it's all fixed and my balances are correct is troublesome to say the least. 

I don't want system errors to cause others to be out of money, potentially even more than just {$25.00}, and Digit has failed to properly address the situation within a reasonable time, thus I have no choice but to seek the help of regulators like the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: CA

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2022-09-01 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: CA

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00}, XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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:
MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.

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 2022-09-01 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: NY

Complaint narrative:
MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: CA

Complaint narrative:
In XX/XX/2022 I had written all 3 credit reporting bureaus because I had found some improper inaccuracies on my credit report and if they could please conduct a full review of my file. As of XX/XX/2022 and the completion of their reviews, pulling my credit report myself the inaccuracies are still present. XXXX # XXXX inaccuracies still present, ( dates inconsistent ). XXXX XXXX  # XXXX inaccuracies still present, ( dates inconsistent ). XXXX XXXX XXXX XXXX  XXXX Inaccuracies found, ( condition of account inaccurate ). XXXX XXXX XXXXXXXX inaccuracies still present, ( reported dates, date opened unavailable XXXX XXXX XXXX XXXXXXXX inaccuracies still present, ( dates wrong ). XXXX XXXX # XXXX inaccuracies still present, ( dates inconsistent ). XXXXXXXX XXXX XXXX XXXX # XXXX inaccuracies still present, ( pay status ) XXXX XXXX XXXX XXXX inaccuracies still present, ( pay status, condition inaccurate ) The fair credit reporting act states, If after any investigation under paragraph 1 of any information disputed by a consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency should, ( 1 ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: CA

Complaint narrative:
In XX/XX/2022 I had written all 3 credit reporting bureaus because I had found some improper inaccuracies on my credit report and if they could please conduct a full review of my file. As of XX/XX/2022 and the completion of their reviews, pulling my credit report myself the inaccuracies are still present. XXXX # XXXX inaccuracies still present, ( dates inconsistent ). XXXX XXXX XXXX XXXXXXXX inaccuracies still present, ( dates inconsistent ). XXXX XXXX XXXX XXXX XXXXXXXX Inaccuracies found, ( condition of account inaccurate ). XXXX XXXX XXXXXXXX inaccuracies still present, ( reported dates, date opened unavailable ) XXXX XXXX XXXXXXXX inaccuracies still present, ( dates wrong ). XXXX XXXX # XXXX inaccuracies still present, ( dates inconsistent ). XXXXXXXX XXXX XXXX XXXX XXXX XXXX inaccuracies still present, ( pay status ) XXXX XXXX XXXX XXXX inaccuracies still present, ( pay status, condition inaccurate ) The fair credit reporting act states, If after any investigation under paragraph 1 of any information disputed by a consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency should, ( 1 ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the investigation.

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 2022-09-01 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: NY

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
This account was included in bankruptcy. the amount owed is being posted on my consumer report incorrectly and is causing me to have issues obtaining new credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NY

Complaint narrative:
On Wednesday, XX/XX/XXXX, I contacted Edfinancial to request a refund on all payments made throughout the payment pause that started in XXXX which is allowed under the Cares Act. 
I was shocked when they notified me that the processing times would be a minimum of 150 days. I called them again the next day to inquire about the refund submission process and from everything they told me made it clear that Edfinancial is the culprit in delaying the Refund request submissions to the Department of Education. 

It is clear as daylight that edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and people that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart, and their recent transgressions and shady practices in which they were fined very heavily leaves me to wonder why do they still have their federal loan servicer status. 
PS : CFPB should investigate this company again for their very anti-consumer practices and have their license revoked as a federal loan servicer if found guilty.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-09-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My personal information was stolen in XXXX of XXXX  since then I've been seeing a lot of unauthorized inquiries and accounts from Equifax credit profile. I've attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized inquires have been found on my credit report please investigate and Remove all inaccurate inquires I have listed immediately, the following includes : XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XXXX : XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/2022 XXXX - XXXX XXXX : XX/XX/2022 XXXX - XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX XXXX, XXXX XXXX - XXXX XXXX  : XXXX XXXX, XXXX XXXX : XX/XX/2022 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 an account without my hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, XXXX and TransUnion all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over 100 points. This company XXXX has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans

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 2022-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc.
State: TN

Complaint narrative:
XXXX XXXX bought my loan and my first payment was to be in XXXX. They reported two late payments in a row to all three credit agencies and one of them was even for XXXX. When I initially disputed this and said it was paid they refused to fix it. It took almost two months. There was only one late payment at first then they added another one during the process. They eventually took it off but massive damage has been done to credit that can not be reversed. My XXXX card was closed when Im in the midddle of remolding my house, other cards lowered my credit limit. My score dropped over 100 points even after they fixed it its still almost down 100 points from there negligence. Now I cant get Heloc, a refinance, or a new card to help cover the cost of the massive repairs of this house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am a PayPal customer. My email is : XXXX On XX/XX/XXXX, I received an email stating that I can no longer use PayPal. No specific reason was given. After a review, we decided to permanently limit your account as we found potential risk associated with it. 

I was quite surprised because I have never had any issue with my paypal account. I checked the terms of service / service agreement and can not find any action the would constitute a violation. 

I called paypal customer service that day. The agent who took my call looked at my account and agreed that nothing at all in my transactions looked suspicious. He put in a request to have my account get a second review, as he thought this may have been a mistake. The ticket number on that is : XXXX. I have not since been contacted by anyone at PayPal about my issue. 

Since your email informing me that I can no longer use PayPal does not specify the reason why you believe there is a potential risk, I can not address the issue. But I can say that I have never had any problem with my PayPal usage. I can only guess that perhaps my usage internationally caused a concern. However PayPals own website promotes and encourages international usage. From your web page : We get where youre coming from. 
We are available in more than 200 countries/regions and support 25 currencies. Send and receive payments easily over borders and language barriers. Were here for you, wherever you are. 

I am XXXX XXXX XXXX and after retiring last year I am now able to fulfill my retirement dreams of traveling. Ive used paypal to pay merchants accepting paypal for such typical travel needs as airline tickets, airport car service, and internet access providers. Both countries Ive used PayPal in are listed as accepted countries on your website : ( XXXX and XXXX ). Ive never had a dispute with any merchant, never asked for a refund, never violated any conditions of use. 

I find PayPal to be my preferred method of payment for merchants who accept PayPal because it is convenient, safe and secure. 

What have I done wrong to have my account limited and not longer able to use your service? 

I would like very much to have the limit on my account removed so I can continue to use PayPal to pay for services. I assure you that I have done nothing wrong and my usage poses absolutely not risk at all. 

Thank you for your consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 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: NY

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-09-01 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: NY

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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