vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My account has not been reported to all 3 credit bureaus since XXXX. And in these 5 months I paid down my Victoria 's Secret Credit Card and paid over XXXX $ on my Ulta credit card. The lack of reporting is affecting my credit score and I need this resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
At the end of XXXX I got XXXX and had to miss XXXX  days of work so missed a full paycheck. I signed up for the forbearance plan and missed XXXX payment. I started making payments again and contacted the company every week for three months to get the payment moved to the end of the loan like I had been told would happen. After three months I was informed I only missed XXXX payment so I did not qualify and was instructed to go back on the plan and miss XXXX more payments in order to get the payments placed to the end of the loan. So I did what I was instructed to do. That was up at the end of XXXX. I called and thought I got the process started to move the payments, they told me they had submitted the paperwork. In XXXX I called to make the monthly payment and they refused to allow me to pay my regular payment. They say I have to pay a lump sum to catch it up. I sent in all of the paperwork and check stubs that they requested and still they have not done the modification to move the payments to the end of the loan and continue to refuse to allow me to resume payments. I need help to get this resolved before we lose our home.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: FL

Complaint narrative:
i opened a new cash app after they closed my 1st cash app i had for years uploaded id to get verified to use the platform and every time i have a issue with them i get the run around with no resolution this particular ( XX/XX/19 ) instance my XXXX is not working i inquired on the problem they tell me to verify i told them i have already whats the issue they inform me that to use that feature i have to be verified i informed them i have been using the feature can you not see my account they ignore that and say send in your information again. MY thing is if i already sent in the same information what are they doing with it i see alot of ppl accts get hacked because they want front back and selfie. they ignore that as well whos in charge of cash app where does our information go and why do we have to keep giving them our information. they always say they will email me i never receive an email this company just seem bogus and it seems like they just collecting peoples information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a smile generation card with Comenity Bank. They have not updated my credit report since XXXX and it is reporting the wrong balance. I have made two request to fix this, and nothing has been done as of yet I want the correct amount reflected so my credit score will be correct. They claimed it would be updated in XXXX, this is ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
Had a {$12000.00} payment transferred from XXXX to Mohela in XXXX. Was told it would take 90 days to process by both parties. After 90 days, XXXX stated they had no record of the payment and that it would have been forwarded directly to Mohela, and Mohela does not respond to email requests re this payment, and has me on hold over 2 hours to try to speak to a representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As of XX/XX/2022 credit reporting agency Experian continues to violate my federally protected rights under the Fair Credit Reporting Act 15 USC 1681 by reporting fraudulent consumer credit transactions that are due to identity theft. 15 USC 1681c-2- Block of information resulting from identity theft states that except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days after the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Having this knowledge Experian needs to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy by immediately blocking the accounts that are a result of identity theft from my Experian consumer credit file and report. The purpose of the Fair Credit Reporting Act is to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681. I have attached all requested proof of identity, a copy of identity theft report and notarized identity theft affidavit, identification of the identity theft information that appears on my Experian consumer credit file, and a statement by me the consumer that the information is not information relating to any transaction by me. 

I AM A VICTIM OF IDENTIY THEFT!

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 2022-10-19 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: MO

Complaint narrative:
On or about XX/XX/XXXX, I XXXX XXXX looked at my XXXX XXXX XXXX  credit monitoring and found that XXXX XXXX is frivolously reporting " inaccurate information '' as derogatory this account is closed and was paid via settlement in civil litigation in XXXX XXXX  court their attorneys filed satisfaction of judgement over a year ago case : XXXX and this should have stopped being reported even saying I have a balance due when it's been paid! We will be looking at filing a lawsuit against XXXX XXXX for this frivolous reporting innacurate info and hurting my credit score. They say it's a charged off account I owe {$290.00} for as seen attached from 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 2022-10-19 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I don't know the specific date or the specific amount of the transaction all I know is that there's an auto loan on my credit on my credit report they're showing under experience because XXXX and XXXX already removed it that I did not do I sent the police report on all proper documentation showing that this was fraud and they still don't want to remove it because they said that it's for documentation to prove to me to show me where it's been verified they have not been able to submit anything to me it's been over a year that I've been going back and forth with them with this issue and it's really annoying

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX I received a call from Key bank XXXX branch mgr. XXXX XXXX regarding my overdraft Credit line {$10000.00}. being maxed out. She supplied the phone # for Key bank - fraud dept. I immediately called and was advised to open a police report. Which I did within XXXX minutes with the XXXX XXXX XXXX XXXX. job ( XXXX ) with XXXX XXXX and proceeded directly to my XXXX branch with a copy for XXXX at which time she supplied with an affidavit to be filled out, notarized which i was able to do on the next business day XX/XX/XXXX and returned to XXXX. Sometime later within a few days the charge was removed from the account. At some point within a week or two the charge was put back through and placed back on my account. At that point I was told that Key Bank had taken the available credit and applied to a balance for my ex-wife, with the explanation that the accounts were still linked even though we visited the branch and filled out and signed all the documents they provided to separate all of our existing accounts, around XX/XX/XXXX and divorce was finalized XX/XX/XXXX. This issue was refered to XXXX office XX/XX/XXXX. Since that time I have been working with XXXX, ( XXXX ) case # ( XXXX XXXX XXXX ) with no resolution, and continue to receive collection letters and calls we are now past due more XXXX days and I am sure my XXXX XXXX XXXX is damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 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:
My account has not been reported to all 3 credit bureaus since XXXX. And in these 5 months I paid down my XXXX XXXX XXXX Credit Card and paid over XXXX $ on my XXXX credit card. The lack of reporting is affecting my credit score and I need this resolved promptly.

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 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am a wellsfargo custumer since 1997, last XXXX I got charged XXXX dollars to my atm debit card wich a never did, I called wellsfargo they opened a claim and later came with conclusion that all the transactions was made by myself, and they closed the case, I tried several times with the same results

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 2022-10-19 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: PA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 explanation
Consumer complaint received 2022-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2022 someone engaged in the attempt to open a new Capital One card in my name, I was alerted via email a credit alert review. I contacted Capital One as well as all reporting agencies to investigate and correct the issue but nothing happened. Capital One assured me that the inquiry would be removed within a week from incident but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
Paid off debt collection XXXX to Credence. Did not recieve a receipt until XXXX. Original creditor XXXX did not agree the debt was resolved nor would acknowledge receipt and finessesed consumer for a payment XXXX yet did not ever disclose the details of the payment nor a receipt only referred consumer back to Credence XXXX. Issued a refund on XX/XX/2022 and again XX/XX/2022 yet did not recieve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX is a fraudulent account not belonging to me. I have disputed this account with all 3 credit bureaus and Equifax will not remove this account after submitting identity theft report and police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: TX

Complaint narrative:
Request for refund of student loan payments ( eligible under Biben 's student loan forgiveness act ) made during the pandemic have not been process in over 30 days compare to other servicers at 7-14 days. 

Company : ED Financial Services Requested refund on XX/XX/2022 : was told " {$23000.00} will be refunded '' Followed up on XX/XX/2022 - status " still waiting for processing '' Followed up on XX/XX/2022 - status " still waiting for processing ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2022-10-19 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
I made a {$74.00} purchase from XXXX on my account on XX/XX/2022 ( transaction # XXXX ). I canceled the ticket with the company. I was meant to receive a refund of 80 % of my purchase ( {$59.00} ). I have not received the refund. I contacted PayPal and filed a dispute. They replied with a very confusing message about requiring more information by XX/XX/2022. I replied saying I did not understand but sent them the information contained here ( in the form of a copy of the transaction information from their website and a receipt from the company ). 

They closed the dispute in the seller 's favor because I did not reply as requested ; however, their own website shows I replied on XX/XX/2022 and the documents I attached. I have been trying to contact PayPal via telephone as I am not able to resolve this online. This weekend I spent several hours on the phone. PayPal 's automated system is geared toward not allowing consumers to speak to a person. When I did get through ( after holding for many minutes, I was disconnected once, told I needed to speak to another department and then transferred back into the same queue I had just left. 

I was finally able to get someone to help me and I was told I needed to speak to someone in another department. I begged not to be transferred and received the telephone number. Today I have called this number but again it is geared toward getting me to go to the website ( this does not help as they have closed the dispute ). Once I did get placed in a queue to speak to someone, the message states it will be 45 minutes to over an hour. I waited for 30 minutes and was disconnected. I can not resolve this issue without speaking to a person who is both competent and properly trained. 

PayPal is a large financial institution that is not behaving as an ethical and responsible financial institution. While I understand that I can not be dealt with immediately, I should not be left to feel that I am dealing with a man in a back alley buying black-market currency. I should be able to contact a person without having to deal with a electronic system that is either poorly designed or designed to shield PayPal from being accountable for their mistakes or poor customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Email received from XXXX XXXXXXXX XXXX purporting to be PayPal. The body of the email contains this text ( below ) and a PDF attachment. I DID NOT OPEN THE ATTACHMENT. It is attached. 

This is fraudulent. I rarely use and owe nothing on PayPal.

Company response to consumer: Closed with explanation