vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
During a period I was XXXX  my phone was stolen which all my financial information was stored in and used for a number of unauthorized transactions. I tried to resolve the matter by calling the merchants in which they advised me to contact. My financial institution. I found a formal dispute will navy federal then then after the investigation I filed several appeals but still wasn't granted a refund. Due to the matter it placed me in a real bad financial hardship situation. The dates and times that is took place are as follows : XX/XX/22 The Amount of {$13.00} XX/XX/22 the amount of a {$100.00}, XX/XX/22 the amount of {$440.00}, XX/XX/22 the amount of {$2.00}, XX/XX/22 the amount of {$14.00}, XX/XX/22 the amount of {$18.00}! XX/XX/22 the amount of {$230.00}, XX/XX/22 the amount of {$390.00}! XX/XX/22 the amount of {$260.00}, XX/XX/22 the amount of {$17.00}, XX/XX/22 the amount of {$18.00}, XX/XX/22 the Amount of {$35.00}, XX/XX/22 the amount of {$53.00}, XX/XX/22 the amount of a {$100.00}, XX/XX/22 the amount of {$16.00}, XX/XX/22 the amount of {$20.00}, XX/XX/22 the amount of {$40.00}, XX/XX/22 the amount of {$53.00}, XX/XX/22 the amount of {$69.00}, XX/XX/22 the amount of a {$130.00}, XX/XX/22 the amount of {$180.00}, XX/XX/22 the amount of {$350.00}, XX/XX/22 the amount of {$18.00}, On XX/XX/22 the amount of {$71.00}, XX/XX/22 the amount of {$11.00}, XX/XX/22 the amount of {$110.00} on XX/XX/22, the amount of {$400.00}, On XX/XX/22 the amount of {$1.00}, XX/XX/22 the amount of {$200.00}, on XX/XX/22 the amount of {$10.00}, On XX/XX/22 the amount Of {$1.00}, On XX/XX/22 the amount of {$980.00}, on XX/XX/22 the amount of {$24.00} on XX/XX/22 {$23.00}, XX/XX/22 the amount of {$1.00} on XX/XX/22 the amount of {$1.00}, XX/XX/22 the amount of {$4.00}, XX/XX/22 the amount of {$16.00} XX/XX/22 the amount of {$27.00}, XX/XX/22 the amount of {$80.00} these dates and amounts reflects 2 different checking accounts both within Navy Federal. Acct # XXXX and acct # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: TN

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : 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 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I keep trying to delete information that is not mine on my Experian credit report. I sent the requests off via mail a few times but it keeps getting ignored. I do not live in the State of Arkansas. I live in the State of Missouri and my address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I want the following addresses deleted from Experian : XXXX XXXX XXXX XXXX XXXX, AR XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. Please delete these addresses from my credit report and send me an updated copy of my credit report after deletion.

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 2023-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: KY

Complaint narrative:
I applied for a loan, and I was approved by Upstart. I was told to confirm my banking account information by using a system that Upstart uses called XXXX. I logged into my banking account and Upstart notified me that my account had been approved. I was told that my loan money in the amount of {$5000.00} with a XXXX loan fee would be dispersed to my account within 1-3 business days. The disbursement date according to my portal on Upstart was XX/XX/2023. 
I never received the funds. I contacted Upstart and they told me they released the funds. However, it for some reason went to the wrong account. I was told an investigation would be conducted. I have NEVER received any feedback about the process or what's going on. It's now XX/XX/XXXX, and I have not received a dime. However, the loan is listed on my credit report. The portal shows active payments coming due for this loan... 
I have called and emailed several times with no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal support is completely unresponsive. They have an irrelevant robot speaking but nothing gets done. They seem to be permanently closed- no one to speak to. They have my money but they are not sending it to me. They have stolen it. I've tried to verify my details online- I can't. I've tried to close my account- they've responded it can't be closed. They are completely evil and unresponsive. And they have my money. They should be shut down as they are completely incompetent and unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: AR

Complaint narrative:
On XX/XX/XXXX I noticed that there several hard inquires in my credit for XXXX XXXX XXXX. I also noticed that someone tried to apply for a mortgage as well.

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 2023-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Zions Debt Holdings
State: NC

Complaint narrative:
I had an account with XXXX in XXXX. I couldn't pay it and it went into collections. That was 10 years ago! 

This account dropped off my credit report after 7 years. Now they have teamed up with Zions Debt Holdings LLC to attempt to collect this debt. The effective date is XX/XX/XXXX. 
This is long after it dropped off my report. The amount they are trying to collect is {$1100.00}. They can not come back three years later and put it back on my credit report!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I opened an American Express Delta Skymiles XXXX card in XX/XX/2023. I signed up using a promotional code for this card that included a welcome offer of XXXX Bonus Miles that would be credited to my Delta account upon spending {$3000.00} within the first 6 months of having the card. Upon meeting this spend threshold on XX/XX/2023, I was told it would take up to 6-8 weeks for the miles to be reflected on my Delta account . When the miles weren't credited to my account after 8 weeks, I inquired with American Express, who told me it could actually take up to 12 weeks. Upon the end of the 12th week I had still not seen my miles. I then called American Express to complain the miles had still not been credited to my Delta account, to which they told me there is a known glitch with the offer code, affecting a multitude of individuals that is causing them not to receive the miles and that I should receive them but it could take another 6-8 weeks. It is now closing on week 15 and I have not received my miles. American Express is not upholding their end of the offer and has taken weeks to adress the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: MA

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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

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 2023-05-19 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: EQUIFAX, INC.
State: MA

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I had total XXXX XXXX on XXXX XXXX. My state XXXX insurance allows for XXXXXXXX XXXX sessions. I went to XXXX XXXX and the 3rd party billing was handled by XXXX XXXX XXXX XXXX XXXX ). I went to XXXX  2 times a week from early XXXX until mid XXXX and was told I didn't need to pay anything since my maximum out of pocket was hit. About 6 months later I received a bill for approx. {$3000.00}. I asked XXXX to provide a detailed record of visits and billing so I could reconcile with my insurance company. XXXX provided 3 separate bills indicating roughly 7 visits. I called XXXX again and asked for specific dates since XXXX couldn't reconcile properly. I never received the information needed. XXXX then sent my account to Medical Data Systems for collection. I spoke with them in XX/XX/2022 and they put one of the bills in Insurance status and I gave them the name of the person I spoke to at XXXX. Now they sent my number 2 of 3 bills out to collection ( all 3 for the same XXXX  provider ). I called Medical Data Systems and they can't do anything. I have not received paperwork from XXXX XXXX, just a phone call. I have been trying to clear this up for more then a year. Not sure what else to do. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
THERE ARE NO VALID REASONS FOR THEM TO SEND ME A CREDIT CARD THEN TELL ME THEY NEED ADDTIONAL INFORMATION ON AN ACCOUNT THAT I HAVE MADE NO PURCHASES ON SINCE I HAVE RECEIVED IT THERE ARE NO FRAUD JUST THERE CONSISTENT EFFORTS TO MAKE MISTAKES REFERENCE CAPTIAL ON LETTER DATED XX/XX/2023 CALL THERE FRAUD DEPARTMENT AT XXXX ANYTIME SEVEN DAYS A WEEK

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: NC

Complaint narrative:
XXXX XX/XX/XXXX, paid {$230.00} to XXXX XXXX through RIA from XXXX XXXX XXXX Direct deposit to his account ( Image RIA1 ) XXXX XX/XX/XXXX kept receiving a text message " Money is ready for pick-up. '' I called RIA to ask why the money was for pick-up since it was a direct deposit. ( Image RIA2 ) XXXX RIA explained that the transaction did not go through because I made the transaction from XXXX XXXX 
XXXX Wrong information through text all the time mentioning Money is ready for pick-up. All confusing. 
XXXX Canceled the transaction since my recipient did not receive his payment for 15 days. 
XXXX RIA process to refund the {$230.00} XXXX XX/XX/XXXX I paid XXXX XXXX XXXX XXXX {$230.00} ( Image RIA7 ) XXXX XX/XX/XXXX received an email from RIA saying that XXXX transaction was incorrectly refunded. ( Image RIA8 ) XXXX XX/XX/XXXX, I talked to them over the phone, saying I have to pay the {$230.00} back. I refused because I could not reach XXXX XXXX and I already paid him because of the transaction cancelation. ( Image RIAXXXX ) XXXX Ria emailed me saying they need my back authorization to withdraw the money from my bank account. They have access. I worked with them for more than 10 years. I denied the access ( Image RIAXXXX ) XXXX XX/XX/XXXX, they took the money from my account without my authorization. 
XXXX XX/XX/XXXX, I realized the unauthorized transaction and sent them an email. ( Image RIAXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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 — Investigation took more than 30 days
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information.

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history.

Please let me know if you would like any further revisions or if you have additional concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Concerto Card Company
State: AR

Complaint narrative:
I have a business card account with PayPal Business Mastercard Credit Card through XXXX XXXX. I have credit limit of {$15000.00} and currently an available credit of {$2600.00}. 

Today, XXXX card has been declined across multiple recurring online accounts. 

At XXXX XXXX today, I called the company 's customer service and was told " Due to a policy that we can not disclose, you will not be able to use the card until 20 days after the end of the statement close. We advise our customers to not make more than 1 payment every 20 days. '' So, it appears that they are applying a term that I did not agree to on making more than 1 payment within an 8 day period. 

After demanding to speak to a manager, I was told, " You can not speak with a manager because the policy can not be overridden. '' Now I have a card that my company relies on that is connected to numerous accounts that is locked down due to a term I did not agree to and a policy that they will " not reveal. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion has been reported as follows : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my right. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at the time the account was opened. XXXX XXXX XXXX XXXX XXXX 
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 written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX has violated my right. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time the account was opened. XXXX XXXX XXXX XXXX XXXX 
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 written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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