vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I noticed on my online banking account that XXXX was moved fromy savings account to my checking account I didn't do it I called the online banking support number and told them they saw it and said they put the money back so I looked again on the XXXX and all the money was gone I called back on the XXXX of XXXX and opened a claim XXXX XXXX later I got a denial letter in the mail without ever speaking to anybody from the fraud department this is citizens bank so I called number on the letter for XXXX days being on hold for at least XXXX each time before hanging up I went to the branch office and changed all my accounts I asked the customer relations person to reopen my claim she said she did this and I would receive a call from the fraud department a week went by I tried to call her back and emailed her and got no response so I called the online banking service number again they told me that the claim wasn't reopened! so I reopened it and had it expedited I spoke to a person and her supervisor who told me I would receive a call within XXXX and she would personally calle back to make sure they called me back they didn't call and neither did she I called back and reopened my claim again on XXXX the XXXX it's been over a month of getting the run around and not getting my money back this despite being told that it was blatant fraud someone hacked into my online bill pay account and sent checks to a different bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: PA

Complaint narrative:
As a Consumer that is protect by the Laws of the FDCPA and FCRA Ive notice several Violations on my Consumer report that I would like removed. Violation consists of Right to Privacy, Permissible Purpose and Identity 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 non-monetary relief
Consumer complaint received 2022-11-06 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: MI

Complaint narrative:
Bankruptcy that i didnt file was not removed i been disputing this for a while. Dates in clued XX/XX/2019 XXXX XXXX, 2019

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 2022-11-06 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: UPGRADE, INC.
State: NC

Complaint narrative:
I have never been late or missed a payment on this XXXX XXXX credit card ending XXXX. This company has repeatedly turned card off or suspended it for their system errors. Spoke with Upgrade Supervisor and they apologized and stated that Upgrade back office removed payments and then re allocated them due to XXXX adjustment. Their computer system showed me as missing payment because of this yet, I have never missed a payment! Their faulty illegal system also wouldnt let me pay extra towards card ( proof attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: FL

Complaint narrative:
Hello CFPB, I am XXXX XXXX and I am writing this complaint against " PayPal Inc '' since they permanently limited my PayPal account without any further notice. I have my PayPal account registered under : XXXX I remember having a temporary limitation on my PayPal account back then and I was being asked to submit info to have the limitation resolve but when I speak to one of the Support Agents from PayPal, he deliberately said that the document I submitted is invalid, and I was left speechless as I was not able to prove my identity as I was on the other side of the call. 

Coming today, I was being placed with a Permanent Limitation stating that I can no longer do business with PayPal as there are potential risks involved, and to be honest I dont know what sort of risks are involved. However, Since I am also a human being and mistakes always happens from human being, it was never my intention to do something that is against the policies of PayPal and I can assure them this will never happen again! 

I am attaching my " Passport '' for better understanding of PayPal and to review the limitation again for me and I will be more than appreciatable to have this limitation uplifted for me as there is amounted balance in my PayPal. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # 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.

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 2022-11-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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:
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 fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: 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 fil ing 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 explanation
Consumer complaint received 2022-11-06 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: 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 fil ing 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 2022-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Multiple times since XXXX of 2022 I have been reaching out to XXXX XXXX to get assistance in resetting my online password, since each time I attempted it myself online I was given an error message. Whenever I called, the representatives only gave me a link to the home page and were unable to provide me further assitance. They even said that they were having " intermittent '' issues with the site and that there was nothing further they could do. I have had my bills for this card set to XXXX, so that I would go paperless and receive statements. This caused me to be unable to receive my statements, thus making me unable to see my transactions for accuracy, know when my bill was due, and then via the online portal properly schedule a payment. Today I have received a notice from the company that my card has been closed, yet the only reason this has happened is because I have not had access to my account since XXXX and have attempted to rectify the issue multiple times. I am now worried about the impact on my credit score this will have, since prior to this issue i have been making payments on time and consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello. In continuation of your response to my complaint about Wells Fargo through CFPB. 
You, instead of giving me an actual answer and resolving the issue, you are doing a training course. I do not need your guidance. 
You advertised in my account that I was pre-approved for a card, so I filled out the request and submitted it, and you told me that you would let me know through mail about your response. 
Approximately a week after that I received a letter from you regarding the application, saying that my credit was frozen with XXXX and that I needed to unfreeze my credit and call you to let you know. In order to remind you, on XX/XX/2022, I called you and told you that I unfroze my credit so you could check it. You indeed checked it, and after you had checked, and to my question, you gave me a response to freezing my credit. On that same day, XXXX points were taken from my credit. I do not need your training course and do not tell me stories or excuses. 
On XX/XX/XXXX, I told you that I was not interested and was not going to unfreeze my credit for a second time because I did not my credit score to go down again and hurt my credit because this is very important to me ( you don't check 15 times, you only check credit once, you do not have the right to request from the client to open his credit in the first place for a card that he was pre-approved for, for a second time and endlessly after that ). On your mistake that you did not check my credit as you were supposed to, I do not want reconciliation, I just want my credit score back, because I do not want your card at all, and I already told you this on XX/XX/2022, that I was no longer interested in the card. 
Thus, I demand, in a clear-cut manner, that you cancel what you did on my XXXX account so that my credit score goes back to how it was prior. 
And don't keep telling me stories and legends, only relevant answers. 

Attached is a screenshot of my XXXX account, showing my credit score went down by 16 points on XX/XX/2022. 

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 2022-11-06 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 XXXX  Account # XXXX XXXX XXXX XXXX, Account # 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 XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I, XXXX XXXX XXXX XXXX, a natural person, am competent and of age with facts regarding the transaction herein stated, and I am currently under XXXX XXXX XXXX XXXX from NAVY FEDERAL CREDIT UNION, I affirm and state that the following are true complete and accurate to the best of my abilities and do declare the following : 1. On XX/XX/XXXX I sent a Billing error notice and refusal to pay, certified mail return receipt requested ( see EXHIBIT XXXX AND XXXX ) and requested explanation for the erroneous misrepresentation on the statement ; 2. On XX/XX/XXXX XXXX issued Report # XXXX for XX/XX/XXXX ( SEE EXHIBIT XXXX ) claiming that The item remained unchanged from processing my dispute. This is a violation because the item failed to show that they were dispute at that time ; 3. On XXXX XXXX XXXX issued Report # XXXX for XX/XX/XXXX ( SEE EXHIBIT XXXX ) which appeared to show adverse information regarding the amounts previously refused due to irregular billing practices. The account still was not updated to show that I disputed the information until after the adverse information had been added. 

4. As of XX/XX/XXXX NAVY FEDERAL CREDIT UNION has violated my privacy and used XXXX like tactics to violate the integrity o my information, ignoring request to only communicate about my account via the U.S. mail to avoid any misunderstandings the company has ignored requests from my Attorney General Office and when I asked them to clarify what type of balance, they never tell me, it is my opinion and belief this balance is a credit balance and I have asked for refund but did not receive any valid response. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 
Executed on XX/XX/XXXX /s/ XXXX XXXX XXXX XXXX XXXX XXXX natural person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The years XXXX, or XXXX my things were stolen from a house I room mated with a friend. Her name is XXXX. I had a application filled out with the XXXXXXXX XXXX XXXX XXXX XXXXXXXX license that was taken during the time my things had disappeared. I believe thats how my identity was stolen. I had past addresses, history of work, along with all my personal information on that application. She met a man named XXXX, they are now married, he started having things showing up on his credit, and thru the XXXX XXXX. We gradually put it together and now come around present. I think my credit had already been being monitored by someone with the phone calls, and things I would see on XXXX XXXX. XXXX, XXXX  I purchased a XXXX XXXX. Then I really started seeing activity on XXXX XXXX Around XX/XX/2022 thru XX/XX/2022. XX/XX/2022 I purchased XXXX thinking I would feel a little relief. I did momentarily. I disputed a XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Tx. XXXX, XXXX XXXX, credit cards, late payments with no relief. I cant access XXXX to freeeze it. XXXX  or XXXX XXXX. We believe the suspect to be XXXX XXXX XXXX. The XXXX XXXX XXXX department is now working on it, along with XXXX XXXX XXXX XXXX Ive been a victim of identity theft and Im looking for relief. Thanks

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 2022-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The years XXXX, or XXXX my things were stolen from a house I room mated with a friend. Her name is XXXX. I had a application filled out with the XXXXXXXX XXXX XXXX XXXX XXXXXXXX license that was taken during the time my things had disappeared. I believe thats how my identity was stolen. I had past addresses, history of work, along with all my personal information on that application. She met a man named XXXX, they are now married, he started having things showing up on his credit, and thru the XXXX XXXX. We gradually put it together and now come around present. I think my credit had already been being monitored by someone with the phone calls, and things I would see on XXXX XXXX. XXXX, XXXX  I purchased a XXXX XXXX. Then I really started seeing activity on XXXX XXXX. Around XX/XX/2022 thru XX/XX/2022. XX/XX/2022 I purchased XXXX thinking I would feel a little relief. I did momentarily. I disputed a XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Tx. XXXX, XXXX XXXX, credit cards, late payments with no relief. I cant access XXXX to freeeze it. Clarityservices.com, or XXXX XXXX. We believe the suspect to be XXXX XXXX XXXX. The XXXX XXXX XXXX department is now working on it, along with XXXX XXXX XXXX XXXX Ive been a victim of identity theft and Im looking for relief. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The years XXXX, or XXXX my things were stolen from a house I room mated with a friend. Her name is XXXX. I had a application filled out with the XXXXXXXX XXXX XXXX XXXX XXXXXXXX license that was taken during the time my things had disappeared. I believe thats how my identity was stolen. I had past addresses, history of work, along with all my personal information on that application. She met a man named XXXX, they are now married, he started having things showing up on his credit, and thru the XXXX XXXX. We gradually put it together and now come around present. I think my credit had already been being monitored by someone with the phone calls, and things I would see on XXXX XXXX. XXXX, XXXX  I purchased a XXXX XXXX. Then I really started seeing activity on XXXX XXXX Around XX/XX/2022 thru XX/XX/2022. XX/XX/2022 I purchased XXXX thinking I would feel a little relief. I did momentarily. I disputed a XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Tx. XXXX, XXXX XXXX, credit cards, late payments with no relief. I cant access Experian to freeeze it. XXXX XXXX XXXX XXXX. We believe the suspect to be XXXX XXXX XXXX. The XXXX XXXX XXXX department is now working on it, along with XXXX XXXX XXXX XXXX Ive been a victim of identity theft and Im looking for relief. Thanks

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 2022-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Requested a refund check for payments made on my student loan accounts at the end of XXXX. Was told after approval it would take 4-6 weeks. Refund was approved on XX/XX/22. The balance of my loans updated on my XXXX  on XX/XX/22. I have called once weekly inquiring about my check and was told its in the hands of the dept of treasury and that it should arrive soon but that the timeline has changed to 10-14 weeks from approval. They keep changing the timeline. Please help me because Aidvantage has not provided me with any correspondence other than when i inquire. Thanks

Company response to consumer: Closed with explanation