vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I opened a credit card with XXXX, which they offered with FNBO bank. I've made all my payments timely. This past summer we were advised that the partnership with the XXXX parties would be ending. I received an email that advised that I would have to call and make my payments directly to bank as the feature was being removed from the greenlight app. My first payment amount that I needed to pay was on the APP. 
I called to make my first payment, and I asked the representative about how the card being closed would affect my credit- I was told that the credit bureaus were informed of the situation and that my credit would not be affected. I was also told that statements would be going out with balance & payment amount due for the following month. I have not received that information. I received 2 emails from the loss prevention/collections department from the bank stating I am behind- I have made payments to them each month since the closure of the card. I've called in payments, so I am confused by these emails. I called and spoke with a customer service rep and then a supervisor named XXXX because I now being told that the payment structure, fees, etc have changed and my monthly payment is now over {$500.00} a month. I never received any paperwork from the bank stating these changes. When I called to make my {$320.00} payment, I was not informed that I was underpaying or that my payment had changed and they moved my account into collections. This is unfair to me as a consumer- I've paid them timely every month but to now almost double my monthly payment is just wrong.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone got an auto loan and credit cards under my name. This person recently also used my personal checking account without my consent. When I try to contact Capitalone customer support now, they either flat out refuse to acknowledge the fraudulant loan and fraudulent credit cards, or refuse to help with my checking and savings account issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My wallet was stolen with my ID and social security card I checked my report and noticed multiple fraudulent accounts. 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

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 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 explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I used paypal to put a deposit down on a hotel room in XXXX of XXXXXXXX XXXX During that process paypal offers a choice between converting at their exchange rate or sending the foreign currency charge to your credit card. Their exchange rate was XXXX XXXX - way below the bank rate of XXXX. Therefore I selected to charge me in XXXX  Paypal ignored that and charged me in dollars using their artificially low exchange rate. The overcharge is {$43.00}. i suspect they pull this trick on everyone but I'm the kind of person who doesn't want to let them get away with it. I saved screen shots just in case and submitted them to paypal when I disputed their scam. The denied my claim and when I called them XX/XX/year> they handed me off among four representatives over 50 minutes and in the end just said they would not do anything about it. This despite the representatives looking and noting the correct exchange rate that I should be entitled to if they sent the XXXX charge to my bank rather than their higher dollar charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
Shellpoint Mortgage Servicing bought my mortgage debt. They are a third-party debt collector. When I found out that the mortgage was fraudulent and deceptive XXXX XXXXXXXX, meaning that the initial " lender '' of my mortgage, XXXX XXXX XXXX XXXX located in XXXX XXXX, never lent me money ( I lent myself money ) I realized that this loan had already been paid the minute I signed the promissory note at the closing table. XXXX weeks after the closing of my property ( roughly XXXX of XXXX  ) my loan was sold to XXXX XXXX. Shellpoint Mortgage Servicing keeps saying that my loan is with XXXX XXXX. I called XXXX XXXX, and they said, " This loan is no longer in our system. '' For your convenience, I have included my current credit report proving that my mortgage loan is no longer in XXXX XXXX  's system. The account is closed. A company called Specialized Loan Servicing bought my mortgage debt after it was with XXXX XXXX. Then Shellpoint Mortgage Servicing bought the debt from Specialized Loan Servicing. I have told Shellpoint numerous times that I do not consent to contract with their company. I have NO contract with their company. I have gotten the IRS - UCC Contract Trust Department, the IRS CID and the Better Business Bureau involved in this dispute. For a contract to be valid, there must be equal consideration. There was not equal consideration on the part of the first " lender '' at the closing table. I was the only one bringing money to the table, and the only person that was lending me money was my UCC contract trust account. The fraud and deception that was perpetrated against me at the closing table nullifies the mortgage contract. I do not owe anyone money for this mortgage. As a matter of fact, I will be suing to get back my down payment and ALL of the mortgage payments that I have made thus far.

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 2024-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was on track to paying off a promotional charge to get emergency dental work. I had {$330.00} left to pay off when they charged me {$1200.00} in interest. This was unexpected because I hadn't missed a payment and have always paid over the minimum amount due so I should have paid it off with in the 18 months. 

I contacted them to see if I could negotiate and pay what I owed and have that ridiculous interest charge taken off. Their standard help line couldn't help me so I asked to be transferred to collections hoping they could work with me. My call was dropped when transferred. I called back and asked to be transferred tot he same department again, they gave me a number that was supposed to be a direct line but it takes me right back to the main automated service. After many calls in and more time than I have available on hold, I have not been able to reach any one above the initial support who keep saying they can't help me. The last guy said my account was closed and that I had closed it today. I did not close and am just trying to reach someone who can negotiate this with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Complaint is against XXXX Bank : Customer Service, XXXX XXXX XXXX, XXXX XXXX, FL XXXX, Tel : XXXX Loan is paid in full. Received letter from XXXX Bank stating paid in full. Telephone recording states the loan is paid in full. Received released title for vehicle from XXXX Bank. However, XXXX Bank has reported 3 times that the account is delinquent with a remaining balance of {$160.00}. XXXX continues to send statements showing a remaining balance of {$160.00}. These statements are inaccurate. The account is paid in full and XXXX has provided the documentation of such. 

Discovered the delinquent account reporting XX/XX/year>. Contacted XXXX XX/XX/year>, spoke with XXXX ID # XXXX, he found an internal discrepancy, but found that the loan was paid in full with a XXXX balance. He opened a ticket # XXXX to resolve the discrepancy and correct the delinquent reporting. He stated it would take up to 30 days to resolve. Discovered XX/XX/year> " Delinquent account '' reporting for same loan again on XX/XX/year>. Contacted XXXX XX/XX/year>, spoke with XXXX ID # XXXX. He also found internal discrepancy, and also found account to be paid in full and that a XXXX XXXX had been entered into the system to " XXXX out '' the account within 60 days, which was approved on XX/XX/year>. All delinquent reporting was to stop and be reversed with all XXXX credit agencies. Received a letter dated XX/XX/year> from XXXX stating that the issue had been resolved and the account had been adjusted to address the payment concern. Discovered XX/XX/year> delinquent account reporting yet again, on XX/XX/year>. 

This has caused my credit score to plummet XXXX points since XXXX. I am a business owner and finance equipment, loan refinancing and new project loans on a regular basis. This has had a negative impact on my personal and professional ability to conduct business. This is without a doubt both fraudulent and malicious credit reporting by XXXX Bank

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Complaint is against XXXX XXXX  : Customer Service, XXXX XXXX XXXX, XXXX XXXX, FL XXXX, Tel : XXXX Loan is paid in full. Received letter from XXXX XXXX stating paid in full. Telephone recording states the loan is paid in full. Received released title for vehicle from XXXX XXXX. However, XXXX XXXX  has reported 3 times that the account is delinquent with a remaining balance of {$160.00}. XXXX continues to send statements showing a remaining balance of {$160.00}. These statements are inaccurate. The account is paid in full and XXXX has provided the documentation of such. 

Discovered the delinquent account reporting XX/XX/year>. Contacted XXXX XX/XX/year>, spoke with XXXX ID # XXXX, he found an internal discrepancy, but found that the loan was paid in full with a XXXX balance. He opened a ticket # XXXX to resolve the discrepancy and correct the delinquent reporting. He stated it would take up to 30 days to resolve. Discovered XX/XX/year> " Delinquent account '' reporting for same loan again on XX/XX/year>. Contacted XXXX XX/XX/year>, spoke with XXXX ID # XXXX. He also found internal discrepancy, and also found account to be paid in full and that a Fee Waiver had been entered into the system to " zero out '' the account within 60 days, which was approved on XX/XX/year>. All delinquent reporting was to stop and be reversed with all 3 credit agencies. Received a letter dated XX/XX/year> from XXXX stating that the issue had been resolved and the account had been adjusted to address the payment concern. Discovered XX/XX/year> delinquent account reporting yet again, on XX/XX/year>. 

This has caused my credit score to plummet XXXX points since XXXX. I am a business owner and finance equipment, loan refinancing and new project loans on a regular basis. This has had a negative impact on my personal and professional ability to conduct business. This is without a doubt both fraudulent and malicious credit reporting by XXXXXXXX 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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact pay on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint. Im now requesting you investigate this accounts and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact pay on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint. Im now requesting you investigate this accounts and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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