vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 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: MA

Complaint narrative:
I am writing to formally dispute certain inaccuracies present in my Experian credit report. On XX/XX/XXXX, I contacted Experian regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 

Account Information : Account Identifier : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} The account labeled as XXXX with Account # XXXX XXXX is not mine, and I kindly request its immediate removal from my credit report. 
Account Identifier : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} The account labeled as XXXX with Account # : XXXX is not associated with me, and I respectfully request its removal from my credit report. 
Account Identifier : XXXXXXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} The account labeled as XXXX XXXX XXXXXXXX with Account # : XXXX is not mine, and I kindly request its immediate removal from my credit report. 
Account Identifier : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} The account labeled as XXXX XXXX with Account # : XXXX has never been late, and I kindly request the correction of this inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
On XX/XX/2023, my credit was hit with two amounts at the charge of {$2000.00} and {$2200.00}. I am contacting yall because I know this was fraudulent charges and other people have experienced from the same company. The company name is ( XXXX XXXX XXXX ). I have never had credit in my life and I have never tried to get credit at any amount especially like this. My contact number is XXXX for any further information of mine needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: SD

Complaint narrative:
On XX/XX/XXXX I attempted to pay my bill by debit card, it failed with an error that my account doesn't accept payment from debit card, so I attempted another time, attempted a pay through direct debit, cancelled the direct debit, received an email it was cancelled, figured out my card has the wrong expiration date, that went through no problem, now I'm being charged {$30.00} for the ALREADY cancelled direct debit that even though it was cancelled they still took out, sent back to me, and charged me for it, I attempted to talk to a guy named XXXX through their customer service and he talked to me like I was stupid and did everything aside from close chat to avoid answering why I was being charged for a cancelled payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX on XXXX credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am the victim of identity theft and I dont recognize one or more of the accounts on my report. Also I am a victim of data breaches. I did not authorize or conduct an inquiry for the above company. Please investigate and remove. FTC REPORT # : Report number : XXXX, Report XXXX XXXX, Report NumberXXXX

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 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I was trying to pay my XXXX bill and for some reason it kept telling me there was a problem with my card. I knew there was enough money in the bank to cover the transaction so I called the bank or so I thought what it was the bank. I looked up the customer support number on XXXX and I doubt it they answered. I told them that problem that I was having and they said they needed to verify my account. They had me download an app which I didnt understand and they suddenly had all of my information, my bank account number my my home address my phone number they knew how much money was in my bank. They knew which credit cards I had and which other banks I banked with, and they ended up having me do a bunch of stuff from The XXXX XXXX saying that they were verifying my account and then they had me hit a button when I hit that button. All of my money disappeared. I ask what happened to it and I asked her to put it back and she said give me five minutes your account. It will be back in your account in five minutes. Im simply trying to verify your account so I can fix the problem. I didnt understand it I figured she knew what she was doing so I waited well within less than five minutes. She hung up the phone when I called back a man answered. I told him what happened and he said OK I see it heres what were going to do and he hung up I called back three or four times and they would not answer the phone. They kept hanging up on me and then finally I think they blocked me because my car with no longer go through it I went back to XXXX, looked up the number again and found a completely different phone number. I called it and it was the real chime bank. I told them what happened and they said they would check with the fraud department. They came back and said the fraud department refused to give me my money back if they said that I authorized the transaction I did not And I told them that and they said that was too bad and I asked them to at the very least, give me a new account and a new account number and new cards because these people had all of that information they said once I close the account I could not get a new account and they would, but they would gladly sent me new cards will new cards would not do any good on the XXXX these people have the account number, routing number and all of my information. I needed a whole new account and they refused to give it to me so I close the account out entirely whatever money I had left in there they did not give me that back either. It was only pennies, but they still did not send it back to me and I am very disappointed because I think that they couldve at least taken the phone number that I called and investigated the whole thing and found out that I was scammed Im very disappointed very sad that Im on a fixed income and thats all the money I had to my name to pay my end of the month bills and now this is going to totally throw me off course

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please know the information on my credit report is not correct. I've listed name and inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: Upstart Holdings, Inc.
State: CA

Complaint narrative:
This is my complaint for UPSTART NETWORK INC. I believe that my information is being misused and reported as inaccurate. In my credit report from XX/XX/2023, I found some derogatory items that I was not aware of. I found fraudulent charges and account with inaccurate information, such as payment history, status,, balance, and date of last activity. According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank closed both my checking accounts and my line of credit along with my credit card! Asked for Reason why and the lady was very rude and kept talking over me! Considering I have over XXXX XXXX XXXX dollars worth of vehicle loans with them! My phone was stolen and I exercised my federal right of reporting Fraudulent transactions. Shortly after this they begin closing all my accounts saying I was a high risk!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I went into lost mitigation with Santander Bank N.A. in XXXX due to COVID-19. I started making payments in XX/XX/XXXX and signed and notarized loan documents in XXXX XXXX, My mortgage statements do not reflect the loan modification and they have reported me to the credit bureau twice saying I am behind on my payment, when I am not. They have corrected these mistakes, but it keeps happening. 
I signed new loan documents XXXX XXXX because they said there was an error on the last one signed in XX/XX/XXXX. 
Since then I have been working with the assistant manager, XXXX XXXX, but they have still reported me to the credit bureau yet again saying I am over {$20000.00} past due on payments when I am not. 
I still can not sign into my online banking and have the correct mortgage amount listed as well as the correct interest rate, monthly payment due, and term dates. 
I have not yet received monthly statements, reflecting these changes either. 
Something needs to be done. This has been going on for two years now.

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 2023-08-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
My savings account was restricted, and XXXX of the transfers I made was cancelled without any explanation. The bank warning stated that if the issue with the restircted account is not resolved within 90 days it will close the account. I tried to contact the bank but the bank does not have any phone service, only online chat and email. I sent a couple of emails and also tried chat but had not had any response. It has been over 5 days now. The bank does not have any willingness to resolve the issue but only wants to close the account. I don't understand this kind of customer service.

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 2023-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I have attempted to make payments on my loan in advance because I use my home as rental income property and I never know when a tenant might not pay. I attempted to pre-pay my loan on two occasions and the mortage company promised to apply my extra payments to future months but they didn't. I have called and open at lease 10 cases for them to correct the issue and they always promised to correct the payments but they never did. They keep using the payments for principle payments, which, i didnt request. After spending months calling back and forth, finally after 60 days for them not doing it, they now tell me, its been 60 days and now we can't remove a principle payment to a monthly payment. They basically lied to me. The last time I did the extra payment, they told me since my mortgage payment had increased, I needed to make another additional payment of {$270.00} in order for them to apply my extra payment to a future month. I made the additional payment and they took that and applied it to principle also. Now they tell me there is nothing I can do.

XX/XX/XXXX - regular payment made of {$2500.00} XX/XX/XXXX - Additional payment made of {$2500.00} ( They applied to principle and refuse to correct it ) XXXX regular payment made of {$2500.00} XX/XX/XXXX - Additional payment made of {$2500.00} ( They applied to principle and refused to correct it ) When I called them in XXXX still inquiring about why they didnt apply the XXXX payment correctly, they told me it was because the monthly payment increased to {$2800.00} and I would have to make an additional payment of {$270.00} in order for them to apply the payment to a future month. On XX/XX/XXXX, I made the additional payment and once again, they took the {$270.00} and applied it to my principle. Now when I call them, all they say is. its been past 60 days, nothing we can do help you. This is a total scam because I have called them over 25 times ( within the 60 day period ) and requested the funds be applied to future months. When I requested they send me the phone conversations between myself and their agents, so that i can prove they lied to me, they refuse to do it. I have requested a supervisor 11 times and no one will return my call or speak to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: P&B Capital Group, LLC
State: FL

Complaint narrative:
As of XX/XX/2023, P & B Capital Group LLC, has been reporting inaccurately and violating my consumer rights. First, I do not have a signed contract with P & B Capital Group LLC. My consumer rights were violated which states per 15 USC 6802 ( b ) ( 1 ) ( B ) that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. No consent was provided by this company. P & B Capital Group LLC also violated consumer law 15 USC 1681b ( a ) ( 2 ) Examples of permissible purposes include subpoenas or court orders, written instructions from the consumer, credit transactions with a consumer, employment purposes with written authorization from a consumer, insurance underwriting purposes, tenant screening, and national security investigations. Again, no consent was given to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Complaint against GE Financial for Reporting Inaccurate Information on My Credit Report Dear Sir/Madam , I am writing to file a formal complaint against GE Financial regarding inaccurate information that has been reported on my credit report. I have diligently followed the necessary steps to address this issue, including disputing the account in question and requesting verification of ownership through a written instrument with a signature which does not belong to me along with details of the alleged debt amounting to {$5800.00}. Despite my efforts, I have not received proper verification or documentation that validates the debt 's legitimacy. My interactions with GE Financial have been ongoing, and I have submitted multiple disputes regarding this account. On XX/XX/XXXX, XXXX received a response from GE Financial in which they mentioned " verify '' without providing any conclusive evidence to support their claim of my indebtedness. I find this response unsatisfactory as it fails to address my request for concrete proof of the debt 's validity. It is crucial for me to stress that I am confident that I do not owe the alleged amount to GE Financial. Their inability to provide the requested documentation only reinforces my belief that the reported information is inaccurate and unjustly affecting my credit report. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervene and initiate an investigation into this matter. I believe that my rights under the Fair Credit Reporting Act are being violated, and I seek resolution and rectification of this issue for the protection of my creditworthiness and financial integrity. Enclosed with this complaint, please find copies of all relevant correspondence, including the dispute requests I have submitted to GE Financial and their response dated XX/XX/XXXX. I am hopeful that the CFPB 's intervention will lead to a fair and accurate resolution in this matter. Thank you for your attention to this pressing matter. I eagerly await your response and guidance on the appropriate steps to take in order to address and rectify this inaccurate reporting.

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 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
complaint about paypal : : : purchase made at XXXX XXXX XXXX transaction reported after no delivery purchase through paypal via salvation XXXX store on or around XX/XX/2023. After no information regarding delivery and not being able to contact store, I contacted PayPal regarding a refund. fFirst report XX/XX/2023. XXXX subsequent calls ... .both transferred to debit card payment departments. Was given update on processing refund first time. XXXX call occurred today and after transfer to department again, agent picked up, said hello and after I responded, they hung up. As of today, I have tried to contact store directly again to no avail, ( by phone and XXXX message, per paypal instructions ) nor have merchandise been delivered. below is information regarding dispute with paypal : : Case details Case ID : XXXX XXXX XXXX : {$48.00} USD Date reported : XX/XX/2023 Transaction reported S* SQ XXXX XXXX XXXX XX/XX/XXXX, Payment - XXXX  XXXX XXXX ID : XXXX Amount {$48.00} USD

Company response to consumer: Closed with monetary relief