vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: PA

Complaint narrative:
WAS A VICTIM OF ID THEFT/FRAUD AND A CREDIT CARD WAS OPENED IN 2018 FROM XXXX XXXX  XXXX CREDIT CARD AND I HAVE BEEN DISPUTING THIS SINCE 2018 AND FILED FTC ID REPORT AND POLICE REPORT BACK IN 2018 BUT RECENT TRAGEDIES FIRE TO HOUSE, HEALTH ISSUES, XXXX XXXX AND MOVING AND LOSE OF JOB DUE TO HEALTH ISSUES. I CALLED EXPERIAN AND ASKED THEM MANY MANY MANY TIMES TO REMOVE THE CHARGE OFF FROM MY CREDIT REPORT AS IT IS NOT MINE, I SENT THEM LETTERS FROM THE CREDIT CARD COMPANY SAYING IT IS NOT MINE AND ALSO CALLED OTHER AGENCIES THAT I WAS TOLD SOLD IT TOO THEM ( ANOTHER COLLECTION COMPANY ) KNOW ITS XXXX XXXX XXXX WHO CLAIM THEY HAVE IT BUT WHEN I CALLED THEM AND VERIFIED MY INFO THEY SAID THEY HAVE NO INFORMATION ON ME. SO I ASKED THEM TO CONTACT EXPERIAN AS THAT IS THE ONLY REPORTING AGENCY THAT HAS IT ON MY CREDIT REPORT, XXXX AND XXXX HAS REMOVED IT BUT EXPERIAN WONT AND I AM FRUSTRATED BY ALL THIS AND THEY WILL NOT HELP ME. THEY ARE RUDE NASTY UNPLEASANT TO DEAL WITH AT EXPERIAN I SENT THEM MANY DOCUMENTS BUT OF COURSE THEY HAVE BEEN LOST BY THEM IN RECENT MONTHS. THE CREDIT CARD IS NOT MINE.

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 2023-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Remex, Inc.
State: CT

Complaint narrative:
I have never received any bill for the XXXX XXXX on my credit report. I have disputed it several times have only received a response stating this account is verified as yours how if I never received a bill prior to collections because my insurance paid the bills to the original providers at the contracted rate they have in place. You dont send someone to collections because you want the difference that what my insurance & the provider agree upon. I never received any bills from XXXX XXXX or XXXX XXXX . 

XXXX XXXX : XXXX XXXX XXXX ( {$110.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: TX

Complaint narrative:
Hello, XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. I have contacted the PayPal customer service representative many times and the problem has not been resolved. Please help me, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: CO

Complaint narrative:
Hello, XXXX XXXX, my PayPal can not be linked to the bank and withdraw cash, please help me, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: CO

Complaint narrative:
Hello, XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. I have contacted the PayPal customer service representative many times and the problem has not been resolved. Please help me, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
I wanted to purchase a refrigerator from XXXX. Because I seen the refrigerator for {$600.00} less at XXXX, I contacted XXXX, and asked them if they do price matching. The XXXX agent told me yes. I also asked the agent if XXXX was also doing the 10 % off entire purchase promotion if the consumer purchased four XXXX XXXX from different departments. The XXXX agent also told me yes. 

The agent told me to make the purchase, and after the purchase was made, contact XXXX and theyll assist me with the price match. So I went and purchased the refrigerator from XXXX, as I was instructed. 

When I contacted XXXX with the the proof that XXXX was selling the same exact refrigerator for {$600.00} less, XXXX refused to honor the price match. In order to make it appear as if they was giving me the price match, XXXX told me that the price was substantially lower due to the 10 % off of the entire order. Such response from XXXX wasnt a valid defense because at XXXX I would have STILL received that SAME EXACT 10 % discount off of my entire order, and the refrigerator would have STILL been {$600.00} cheaper. 

When I contacted Discover to dispute the charge, although I provided them evidence to support my claim, they refused to uphold the dispute. 

I received two responses from Discover, one response when I called them ; and one via mail. Over the phone, I was told that Discover couldnt honor the dispute because although XXXX did tell me that they were gon na price match, they never agreed to a specific dollar amount. Thats ridiculous because XXXX told me that they price matched, they didnt tell me that they price matched with certain conditions. What does it matter what the dollar amount is, either they price match or they dont, and they promised me that they were gon na price match. 

The second response I received via mail had literally nothing to do with my claim. XXXX responded to the dispute by confirming that they did deliver my refrigerator, and that they did replace it with a different one because the first one they sent me was broken. I dont quite understand such response, as I never contested receiving or not receiving the refrigerator. 

XXXX sent me {$200.00} for keeping the refrigerator, but I never told them that I agreed with such resolution. Such {$200.00} for the inconvenience, doesnt resolve not honoring the price match that they promised me. 

I am disputing {$600.00} that I was defrauded out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: CO

Complaint narrative:
Hello, XXXX XXXX, my PayPal can not be linked to the bank and withdraw cash, please help me, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14 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: NJ

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act Section 609 A 1 A, you are required by federal law to verify through physical verification of the original signed contract for any and all accounts you report on credit reports. I demand to see a verified proof for any and all accounts on my credit report. If you fail to validate, remove from my account immediately. 


Sincerely, 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 explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Within the past 24 hours my ability to use my debit card has clearly been frozen. I tried to call the number on the back of the card but no options could assist me. There's clearly money in my account and my attempts to use it have been declined by SEVERAL MERCHANTS. THIS ISN'T EVEN THE FIRST TIME its happened. XXXX keeps freezing my debit card seemingly every month or so for no reason .... last time I called and they told me XXXX was a suspected fraud merchant ... .its not. it's XXXX 's entertainment, the XXXX largest employer in the state of Nevada. 

This credit union is frivolously blocking people from accessing their OWN MONEY, for seemingly no reason!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: NJ

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act Section 609 A 1 A, you are required by federal law to verify through physical verification of the original signed contract for any and all accounts you report on credit reports. I demand to see a verified proof for any and all accounts on my credit report. If you fail to validate, remove from my account immediately. 


Sincerely, 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 explanation
Consumer complaint received 2023-01-14 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: NJ

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act Section 609 A 1 A, you are required by federal law to verify through physical verification of the original signed contract for any and all accounts you report on credit reports. I demand to see a verified proof for any and all accounts on my credit report. If you fail to validate, remove from my account immediately. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have bought gold jewelry from XXXX XXXX XXXX XXXX and I paid with my XXXX XXXX XXXX card which is provided by Synchrony Bank on XX/XX/2022. I paid XXXX dollars for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but what I received from XXXXXXXX XXXX XXXX was a gold plated XXXX gold bracelet that is also XXXX inch in length instead of XXXX inch and XXXX mm thickness instead of XXXX mm so the item I received was NOT as described on the seller XXXX website and it is NOT XXXX solid gold but only XXXX plated gold so XXXX XXXX jewelry sold me an item that is NOT what I paid for and not as I ordered and has a lot less gold in it and different length and thickness. I contacted XXXX XXXX XXXX to return the item and get a full refund but they never responded to my issue and never resolved the issue. I disputed the charge with synchrony bank but synchrony bank has not credited my account and has done nothing to resolve the dispute. I was scammed by las villas jewelry for XXXX dollars and synchrony bank should give me a permanent credit for the amount of XXXX dollars but they never did. I was sold an item that is NOT what I ordered but is XXXX gold instead of XXXX gold and different length and thickness. I want a full and permanent refund to my XXXX XXXX Master card for XXXX dollars .and synchrony bank is not resolving this dispute to my favor and has done nothing and never refunded me. The charge is from XX/XX/2022 for XXXX dollars from 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 monetary relief
Consumer complaint received 2023-01-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX  : # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX / XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 to any 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 2023-01-14 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: CA

Complaint narrative:
I have reported this issue to the credit bureaus by sending certified letters to each credit bureau. My attorney has sent documents and second notices to the credit bureaus and no response from either credit bureau. It has been longer than 60 days no response. my attorney has been working to resolve this issue but has been unsuccessful. The credit bureaus falsely updating information without investigating

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 2023-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Palisades Funding Corporation
State: NY

Complaint narrative:
I when to buy a car on XX/XX/2020 at XXXX XXXX In the XXXX New York XXXX made a down payment of {$22000.00} for a used XXXX XXXX. ..the price of the car was {$33000.00}.. I was told I need to finance the rest rest .. the salesman come back with a loan for {$25000.00} palisades fund co . I ask why so much. When I ask why. only have about XXXX left on the car he said after I pay it the rest would go back to the company. So I sign a 2 year deal to pay the balance. After 2 year I receive a paper say thank you for you service my title would be in The mail. I got a call about a week after saying it was a mistake and I still owe on the car. I went on vacation and was late on the payment by 4 days. They towed away my car and force me to pay XXXX to get it back. I need help .. because I believe they have broke some consumer laws

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2022 I paid {$150.00} to Capital One. This was to close the account ending in XXXX for a lesser amount. The account was closed but yet to be charged off. Capital One had emailed me with the offer and I took it. Upon payment, I was no longer able to access account or details within the app, it now stated charged off after I paid the agreement amount. It was then put on my credit report as charged off. I was in a pre-approval stage of buying a home. After the incorrect entry on my credit report, I lost approved status. I can now possibly face homelessness with my family. I was trying to do the right thing and it back fired. I believe this is predatorial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Hello! 

I received several emails from Bank of America yesterday ( XX/XX/2023 ) regarding the opening of a new account in my name, in which I did not apply for. It seems to be fraud and that someone has my information and is attempting to open an account in my name. 

I am currently on hold with Bank of America in an attempt to file a fraud complaint and close the account. I was told I should file a complaint with the CFPB 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 non-monetary relief
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ENTERPRISE FINANCIAL SERVICES CORP

Complaint narrative:
Enterprise Bank & Trust XX/XX/2023 my bank debit card was " skimmed '' and unauthorized access used on account. I contacted as soon as bank opened next morning and was passed around via phone. I went to the XXXXXXXX XXXX XXXX branch where I was treated very poorly and talked to like I was lying. Come to find out a MAJOR data breach with skimmers in this area and many many people affected. I continue to reach out after 2 weeks to get funds back or the NSF charges reversed and they say " we will '' but NEVER do. 
XXXX ) Why have the bank customers been notified of the breach? 
XXXX ) Why did the bank not have security in place to notice accounts taken to XXXX balances? 
XXXX ) Why did they judge me because I am not " pleasing '' to the eye and have a southern draw? 
XXXX weeks with a KNOWN issue to customers to issue refunds or notify customers of issues. 
The bank is Enterprise Bank & Trust. IMO the worst bank ever. People are rude and mean but 200 percent better than calling the toll free number. I am not going to get into the online banking down 8 hours a night or the old school take out before deposits to get the NSF fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2023 - I reviewed my free annual Experian credit report information - none of my current or past account information is viewable or disputable via this company. Despite Experian 's acknowledgment that they do not have any information regarding my current or past account information, Experian has created and is sharing an erroneous credit score that is impacting my reputation and creditworthiness. There are no online options for me to dispute the missing information, by phone or fax. It is unacceptable that this company and others are willing to report unverified erroneous information that is impacting the lives of customers 24 hours a day/7 days week but they are not required to maintain viable dispute processes 24/7. Please note that other credit reporting companies XXXX and XXXX both have the information that Experian is missing- perhaps Experian should pay for and use their respective credit monitoring services to maintain the integrity of their consumer credit reports.

Company response to consumer: Closed with explanation