vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Balance {$480.00} Inquiries : XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 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 2021-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T Bank charged over draft fees in the amount of {$38.00} on XX/XX/2021 and XX/XX/2021 totaling {$77.00}. I had direct deposits on the same days they charged me over drafts fees which covered my balances and I should not have been charged over draft fees. 
XX/XX/2021 direct deposit amount sent for {$50.00} XX/XX/2021 direct deposit sent {$42.00} XX/XX/2021 direct deposit sent {$60.00} M & T purposely held me direct deposits as the last transction on my checking account to arbitrage over draft fees. 
On XX/XX/2021 I sent an electronic communication via my online banking requesting my 2 overdraft fees of {$38.00} be waived which M & T did not respond or acknowledge my request. 
Also I never received a overdraft fee notification from M & T Bank via mail, e-mail or phone call.

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 monetary relief
Consumer complaint received 2021-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: TN

Complaint narrative:
Letter received verifying the new application for a US Bank checking account on XX/XX/XXXX. 

We called the number on the card to dispute the opening of the account. 

No good resolution was reached.

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 2021-12-12 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XXXX XX/XX/2021 I placed an online order with XXXX for a for a 21700 battery. The 21700 describes the batterys physical dimensions : 21 millimeters in diameter and 70 millimeters long ; similar to the c cell, or d designator for standard battery size in the past. The 21700 battery I received however was 75mm long, and would not fit the device I purchased it for. When I contacted XXXX for a refund they told me there would not be able to provide a full refund, to exaggerate to make a point : 30 % open package charge ; 30 % restocking ; 40 % shipping charge, so in the end, after returning the product, I would owe them an additional 10 %. 
I thought this was unreasonable and contacted my credit card companies to dispute the charges. My first contact was by phone, explaining in detail the above mentioned problems, they sent me a physical letter asking for the same details, which I provided the same day. I then recieved a letter from the credit card company instructing me to return the product to the company with detailed information about the return ( and the complaint information AGAIN ). The dispute on the charge was removed until the return was complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been trying to contact Regions by phone, email, and mail. Requesting a good will adjustment regarding my late payments on account # numbers below. 

XXXX XXXX XXXX XXXX Ct XXXX, GA XXXX Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Account # : XXXX Account # XXXX XXXX XXXX : I have been customer since XXXX and during that time, I have enjoyed my experience with Regions Bank greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a late payment on the above referenced account XXXX from XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. I also have a late payment on the above referenced account XXXX from XX/XX/XXXX and XX/XX/XXXX. 
Because of my previously exceptional past payment history, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of finding gainful employment after the pandemic. During the pandemic, I did a great job of maintaining a good payment history with using funds from my savings. After depleted is when I started to have issues. I have reached out since I say that not to justify why the payment was late, but rather to show that the late payment is not a good indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports. 
I have been a very happy customer in the past and hope to continue a long relationship with Regions Bank. With todays credit industry being so competitive, I know how important it is to maintain good relationships with customers. Regions Bank has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Regions Bank is head and shoulders above the rest. I look forward to your reply.

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 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I got an unrequested credit card, and I tried to place a freeze on my credit information with the XXXX credit bureaus - while I could easily freeze my credit and place a fraude alert on XXXX and XXXX, the same is not true for Experian. I am not able to place a freeze, neither a fraud alert, their numbers all have automated service and do not allow me to talk to a representative, and I will need to do the process by mail, and thus, extend the time my identity might be used fraudulently. The ONLY way to have any control of my credit report online in Experian is by paying for their services- which is illegal. The service can be offered free and efficiently by the other XXXX credit bureaus, in compliance with the law.

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 2021-12-12 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: WI

Complaint narrative:
On XX/XX/21 I filed a dispute with Experian ( certified mail ) about a bankruptcy/Reference # XXXX on my credit file that Experian maintains XXXX my Social Security Number. On XX/XX/21 I called Experian and spoken to a woman who stating that the bankruptcy verified as accurate. On XX/XX/21 I certified mailed XXXX more documents, ( 1. ) A RE-INVESTIGATION/METHOD OF VERIFICATION letter and to inform Experian that I was execising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). ( 2. ) A document from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  stating they DO NOT report/verified to Experian or any credit bureau for that matter. ( 3. ) A document informing Experian that their original response of them verifying the item with the court was either an error or a lie, and that either way the reporting requirements do not comply with the FCRA section 611 ( 15 U.S.C. sectection 1681 ) and that the information must be deleted immediately. On XX/XX/21 I checked my Experian credit report and Experian only replied to those documents " verified as accurate and unchanged ''. I immediately called Experian and spoke to a guy named XXXX, I informed XXXX of they ( Experian ) DID NOT respond to my request for the METHOD OF VERIFICATION. XXXX went to inform me that it was against their policy to give me their METHOD OF VERIFICATION. I then moved forward to inform XXXX that they ( Experian ) are in full violation of my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) by denying my request for the METHOD OF VERIFICATION. I also inform XXXX ( Experian ) that the item in queustion is inaccurate and represent a very serious reporting error. XXXX than said hold on for a minute, I was on hold for an hour and 37 minute until a lady picked and said " We can not give you our METHOD OF VERIFICATION and as he told you its against our policy and have a great day now '' and hung up.

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 2021-12-12 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: PA

Complaint narrative:
In trying to obtain funding for a real estate need, I was turned down because of information shared by Experian with the potential Creditor. I obtained a copy of my Credit Report and discovered that Experian is reporting multiple errors on my Report so I contacted them multiple times seeking to have them delete negative information that they are providing potential Creditors but they refused. I believe that if the information on one 's Credit File is incomplete, incorrect, unauthorized, it must be deleted upon the request of the Consumer. 

The errors ranged from : XXXX incorrect SS # ( Experian has XXXX ). mine is XXXX. 
XXXX incorrect name : Experian has XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX incorrect address of Bankruptcy XXXX. 
XXXX multiple unauthorized hard inquiries by companies that had no Permissible Purpose, I had not given consent to and I have no business with. They are marked with *. 

I have written and called Experian about these but they just don't care and continue to report the errors. I am soliciting the intervening power of CFPB to have Experian show respect for the law : CFPB, FCRA, Federal, State, Local ; and delete all negative entries they are reporting on my Credit file with so many errors. Experian collected, used and shared my personal information without my knowledge or consent. 

Long live CFPB. I think help has finally come! Please note the highlighted concerns as well as those marked in * in the attached document.

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 2021-12-12 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: Credit Karma, LLC
State: NC

Complaint narrative:
CreditKarma.com I have a XX/XX/2021 inquiry on my credit report. I have not requested any info from them nor given them consent to pull any info and They have made it impossible for me to get in touch with them and report it. Not able to contact them by phone. When I email them they push me back to their nonworking website. They have made it impossible to report misconduct if you are not a current member which I am not ( I am not a member of this company ). I want any and all information they have concerning who supplied them with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I have a high-yield saving account with Goldman Sachs Marcus Online Banking XXXX I was trying to use the funds on this account as the down payment for the purchase of an apartment. I initiated the wire transfer to the title company four times via phone call with customer services as they do not have physical offices, Marcus Bank 's personnel failed every time due to execution errors, e.g., transposing recipient 's account number and entering the incorrect beneficiary information without confirming with me. Each time, the funds had to be returned by the recipient 's bank as they can not reconcile the information. Without access to my own funds and so much time wasted waiting for the funds to kick back to my account, my house closing was in jeopardy and it was already two days after the supposed closing date. Despite numerous follow-up phone calls and escalations, Marcus Bank 's personnel showed a lack of training and professionalism, and they do not have any additional ways to fix the problem. I had to borrow emergency money from friends and family, and wire them from other banks. Conversely, other banks made such wire transfers ( with the exact same information I provided ) very easily and timely. 
Details of the four failed wire transfers initiated from Marcus : 1 ) XXXX, {$50000.00}, due to incorrect recipient account number ; 2 ) XX/XX/2021, {$20000.00}, wrong beneficiary information, 3 ) XX/XX/2021, {$50000.00}, Marcus cancelled the transaction without noticing me, 4 ) XX/XX/2021, {$50000.00}, wrong beneficiary information. 
Goldman Sachs Marcus Bank presented XXXX to provide consumers with normal financial services, lack of internal controls, and a pattern for making the same error by multiple personnel. As a consumer, this wasted lots of my personal time, limited my access to my own funds, made me have to borrow from other people, and most importantly almost costed me the opportunity to purchase my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Paypal account on XXXX XX/XX/XXXX was locked for 180 days due to Acceptable Use Terms of Violation. I contacted Paypal customer service and stated can you please tell me what transactions were in violation of the agreement? I said I am reading over the agreement and I do not see any transactions. Paypal stated no we can't tell you what transactions. I said so you are telling me I am in violation and your company can't elaborate? I said can you get me in touch with a representative that can assist me. She said no you can withdraw your funds in 180 days. I said ok I will wait. Fast forward to XXXX XX/XX/XXXX I checked my Paypal account and they took XXXX of my money. They transferred the my whole balance back to themselves. I called Paypal support and she stated XXXX in damages. I said what damages can you show me some documentation. She stated no. I said can a supervisor please call me back. I believe this is poor customer service and basically theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX booked a flight using XXXX for AA. I was not allowed to board due to XXXX  XXXX. I attempted to rebook with AA but I was denied because I booked with a third party ( XXXX  ). Contacted XXXX to be told that my ticket is nonrefundable and they can not rebook my flight. So far I am in red for {$470.00}. On XXXX contacted Chase and opened a claim against XXXX. All supporting documents were provided to Chase. On XXXX received a letter from Chase stating that my Claim is denied because my transaction was authorized. My claim was never regarding authorized or not. My claim is for fraud perpetrated by the merchant. I contacted Chase for more information and was informed that XXXX won the dispute!!!! I did request supporting documents submitted by XXXX. I was told that I should get them within 15 days by mail. Today is XXXX I still do not receive any document from Chase. Why : 1. No such documents exist. Chase can not be an arbitrator since has a financial interest in the transaction. 3. That is the predatory practice by bank institutions. 4. This violates The Federal Arbitration Act ( USA ). Title 9, US Code, Section 1-14.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: Stevens Business Service, Inc.
State: NY

Complaint narrative:
Issue : Collections account is in violation of the statue of limitations. Reported incorrectly or not at all : date of first delinquancy, serviced utility address. 
Disputed with XXXX and XXXX multiple times in the last XXXX years. 
XXXX amount : {$280.00} XXXX : file accessible : XX/XX/2021 XXXX : XX/XX/2021, XX/XX/2021 Actions taken by reporting agencies : Disputed information accurate. Reported incorrectly. 
Not sure what to do anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: FL

Complaint narrative:
Experian. XXXX and XXXX has XXXX inquiries on my credit report I dont recongnize. I sent letters to all three asking them to remove from 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 2021-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I just received my credit report, and noticed unauthorized items reported on my credit profile. My identity was stolen and someone went out of town and fraudulently used my identity. 
I happen to get an email also verifying the information.

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 2021-12-12 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: DISCOVER BANK
State: PA

Complaint narrative:
In trying to obtain funding for a real estate need, I was turned down because of information shared by XXXX with the potential Creditor. I obtained a copy of my Credit Report and discovered that XXXX is reporting multiple errors on my Report so I contacted them multiple times seeking to have them delete negative information that they are providing potential Creditors but they refused. I believe that if the information on one 's XXXX XXXX is incomplete, incorrect, unauthorized, it must be deleted upon the request of the XXXX. 

The errors ranged from : XXXX incorrect SS # XXXX XXXX XXXX XXXX  ). mine is XXXX. 
XXXX incorrect name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX incorrect address of Bankruptcy XXXX. 
XXXX multiple unauthorized hard inquiries by companies that had no Permissible Purpose, I had not given consent to and I have no business with. They are marked with *. 

I have written and called XXXX about these but they just don't care and continue to report the errors. I am soliciting the intervening power of CFPB to have XXXX show respect for the law : CFPB, FCRA, Federal, State, Local ; and delete all negative entries they are reporting on my Credit file with so many errors. XXXX collected, used and shared my personal information without my knowledge or consent. 

Long live CFPB. I think help has finally come! Please note the highlighted concerns as well as those marked in * in the attached document.

Company response to consumer: Closed with non-monetary relief