vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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.

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 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 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was given a fake check PNc cleared it in a day. I sent funds to fraud people. I complained to PnC tried to get my funds back they said no. PNc should have not cleared the check so fast. I already have funds in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Applied for financing for dental work.. was approved up to {$3500.00} in which only {$2300.00} was used.. 
Loan remained in good standing not ever going past due. Till XX/XX/2024 remaining balance was {$200.00} when account was charged {$960.00} interest. I contacted Comenity/Bread and was told there was an interest free promotion that if not paid in time all interest would be applied ... ( It was never understood when applying for financing ).. I contacted Comenity/Bread Financial to resolve this issue even will to pay a portion of interest charged.. I was refused any help or solution and told by " XXXX '' rather rudely either pay or not that there was nothing he can do.. I was also told it is on my final few statements informing me that the promotions ending... however I signed up for paperless billing and never received a hard copy. I made all payment and checked balances via phone app. which never stated there was a promotion let alone i was going to end and interest would be applied. I have great credit score and my main concern if this account going to collections and affecting me in a negative way

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-31 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: TX

Complaint narrative:
IN REGARDS TO COMPLAINT ID XXXX FOR EQUIFAX, THE RESPONSE LACKS DETAIL AND COMPLETE EXPLANATIONS NECESSARY TO ADDRESS MY CONCERNS REGARDING THE ACCURACY OF MY CREDIT REPORT. MY REQUEST FOR PROOF OR EVIDENCE IS NOT EFFECTIVELY SATISFIED. THERE HAS BEEN NO FORM OF COMMUNICATION TO PROVE I OWE DEBTS OR OWN DEFAULTED OR NEGATIVE ACCOUNTS LISTED ON MY CREDIT REPORT. I NEED PROOF WITHIN 15 DAYS, IF NONE ARE PROVIDED I AM DEMANDING ALL NEGATIVE ACCOUNTS BE REMOVED WITHIN 15 DAYS OR LEGAL MATTERS WILL BE TAKEN. 
IN REGARDS TO COMPLAINT ID XXXX FOR XXXX, YOUR RESPONSE LACKS A DETAILED EXPLANATION OF THE FINDINGS OF SUCH REINVESTIGATION. YOU STATED THAT THE DISPUTED ITEMS WERE VERIFIED AS ACCURATE WITHOUT PROVIDING SPECIFIC DETAILS OR DOCUMENTATION SUPPORTING THIS CONCLUSION AKA PROOF OR EVIDENCE. YOU ALSO FAILED TO ADDRESS WHETHER PROPER AUTHORIZATION WAS OBTAINED. YOUR INFORMATION REGARDING CREDIT REPAIR LAWS COMES ACROSS AS DISMISSIVE BY STATING, " THERE IS NOTHING A CREDIT REPAIR COMPANY CAN DO FOR YOU. '' YOU FAILED TO OFFER POSITIVE ASSISTANCE OR GUIDANCE ON RESOLVING MY SPECIFIC CONCERNS. WITHIN 15 DAYS, I AM DEMANDING MORE DETAILED INFORMATION ON THE INVESTIGATION RESULTS AKA PROOF OR EVIDENCE SHOWING I OWE DEBTS OR OWN DEFAULTED OR NEGATIVE ACCOUNTS LISTED ON MY CREDIT REPORT! MY RIGHTS UNDER THE FCRA STATES THAT CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETE UNVERIFIABLE INFORMATION SO IF NO PROOF OR EVIDENCE IS PROVIDED I AM DEMANDING ALL NEGATIVE ACCOUNTS BE REMOVED WITHIN 15 DAYS OR LEGAL MATTERS WILL BE TAKEN. 
IN REGARDS TO COMPLAINT ID XXXX FOR XXXX, XXXX HAVE RECEIVED THE LETTER SENT WHICH WAS ONLY AN UPDATED CONSUMER REPORT. I EXPECTED MORE THAN JUST AN UPDATED CONSUMER REPORT I AM LOOKING FOR PROOF OR EVIDENCE TO SUPPORT THE INFORMATION ON MY CREDIT REPORT REGARDING ANY DEBTS OR NEGATIVE ACCOUNTS. AN UPDATED REPORT DOESNT ADDRESS MY REQUEST FOR VERIFIABLE EVIDENCE. YOUR RESPONSE DOESNT PROVIDE A CLEAR EXPLANATION OF HOW YOU ARRIVED AT YOUR CONCLUSIONS. I AM DEMANDING MORE DETAILED INFORMATION ON THE INVESTIGATION RESULTS AKA PROOF OR EVIDENCE SHOWING I OWE DEBTS OR OWN DEFAULTED OR NEGATIVE ACCOUNTS LISTED ON MY CREDIT REPORT! MY RIGHTS UNDER THE FCRA STATES THAT CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETE UNVERIFIABLE INFORMATION SO IF NO PROOF OR EVIDENCE IS PROVIDED I AM DEMANDING ALL NEGATIVE ACCOUNTS BE REMOVED WITHIN 15 DAYS OR LEGAL MATTERS WILL BE TAKEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
Attached is the statement from the bank accepting the error not to pay my mortgage I have contacted the servicer they told me to contact the cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: GA

Complaint narrative:
Attached is the statement from the bank accepting the error not to pay my mortgage I have contacted the servicer they told me to contact the cfpb.

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 2024-01-31 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2023 I opened a dispute with Chase Card Services stating that merchant XXXX XXXX XXXX XXXX XXXX cancelled partial legs of my international flight without processing a refund & not providing me a redressal even though continuously promising me that would be done. 
Chase card services decided to contact the merchant instead of opening a dispute with the credit card network, this caused precious time to be lost since credit card networks have a policy of allowing disputes only up to XXXX days after transaction/travel dates. 
Subsequently on XX/XX/XXXX I was told that dispute has been closed & Chase card services on subsequent phone inquiry told me that the actual dispute could not be submitted since more than XXXX  days have elapsed since cancelled flight dates. 

In this process Chase card services procedure for customer dispute processing was designed to waste time eventually rejecting customer dispute claim. 
Taking XXXX days running the clock to get dispute outside of XXXX ( credit card network dispute timeframe ) amounted to willful negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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.

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 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 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I'm not sure how long I've had a PayPal account, but haven't used it in over XXXX years. In XX/XX/2023, a fraudster successfully took over my PayPal account and began changing all manner of immediate contact information ( email, phone, etc. ). In XXXX, the fraudster linked someone else 's bank account and began conducting fraudulent transactions. XXXX of the banks involved charged back which resulted in a {$110.00} negative balance in this PayPal account in my name ( but again, not my contact info ). 

I found out about this when, in XXXX, I came across a collections notice at my in-laws house for {$110.00}. I worked with PayPal to clear the obligation and, to PayPal 's credit, they agreed that the debt wasn't mine. However, when they reconciled, they levied what was described to me as a " fee '' of {$35.00}. When I called to inquire about this fee ( they were threatening collections once again ), they agreed to reduce the fee to approximately {$21.00}. I reluctantly agreed, but was told that I would have to log into my PayPal account to pay off this fraudster 's debt. As I informed PayPal ( and as they confirmed in XXXX and XXXX ), I do not have access to this account. PayPal also indicated in XXXX ( and now, XXXX ) that they can't give me access to this account ( permanently restricted since XX/XX/2023 ). 

All in all, I have spent far too much time being punted around PayPal 's back office to defend against paying off a debt left by a fraudster. PayPal acknowledges that I have nothing to do with any payment transfers yet is sticking me with a reversal fee and threatening collections if I don't pay. I don't even know that it's actually a fee because XXXX  PayPal representative referred to it as a " double refund. '' I report this because I have to imagine that this is affecting a lot more people than just me. I can't imagine that this is anywhere near a reasonable or fair practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I applied online for a unlimited cash rewards card with Bank of America on XX/XX/2024 the representative told me I was approved and they would send the card out in XXXX business days on a recorded line, Bank of America had access to a passport on file from a old account which has my picture on it and the very next day blocked the new card from being sent out according to a customer service rep on a recorded line when i called on XX/XX/2024, Bank of America saw i was XXXX XXXX on the passport information and it triggered a manual review of XXXX form and income verification as if i were buying a vehicle, I was told I could not use my household income which i rely on with my spouse because im XXXX and that they can only use a check stub and income tax information which im not required to file to process the application, these actions by Bank of America are very discriminatory , after a hard pull of my credit I am eligible for this card but due to XXXX  I was flagged as if im a 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 2024-01-31 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: PA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 2024-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
I have received two distressing email marketing campaigns from Sephora Credit Cards ( Comenity & Bread Finacial ) that utilize misleading subjects and email body copy, encouraging consumers to increase their spending on the credit card. 

Example XXXX : Email Subject Line : " A message for XXXX : You have credit waiting on your Sephora Visa Credit Card '' Body Copy : Use your available credit from your Sephora Credit Card for shopping, more treats, and more fun. 

Why is this a problem? I am a marker by profession with a XXXX XXXX in XXXX XXXX XXXX XXXX This aids in using confusing language to make the consumer believe they have " a credit '' on their account, framing their credit card limit as seemingly money to " buy treats and fun '' With the rise in young consumers at Sephora, I am concerned that younger card holders will not be able to discern between this advertising and the truth behind their credit limit and what spending on a credit card means to their financial stability and future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hi goodmorning, my name is XXXX XXXX & today im reaching out to you due to a little problem im having. So i was given a state lawsuit, you probably would know about the XXXX  settlement lawsuit witch was recently given out around last week of XXXX. I was recently out the country getting XXXX XXXX XXXX XXXX XXXX i knew i was not going to be back so soon so i had my girlfriend send me the XXXX check with a relative who was soon coming, i signed the check and got a signed letter giving my girlfriend of XXXX  year relationship, permission for her to cash it for me. Okey so she was able to cash it for me i told her to Put XXXX XXXX XXXX XXXX aside so we could take care of things & move out then i told her to put XXXX XXXX away somewhere safe witch i would need to pay for my XXXX and im due for my appointment on XX/XX/XXXX witch would would be next thursday at XXXX XXXX. I dont have no family back in my country at the moment So i needed someone with me so i actually paid her flight to come take care of me, she lasted XXXX months and XXXX weeks, then i had to send her back last week to be able to go take out my money and send it to me. But unfortunately when she tried to get me my money witch was in her savings account cus she hasnt been working since she XXXX XXXX they mentioned something about some fraud being done on her account, witch we think its her older son but he hasnt yet admit to it. This is a really big issue now because i had the money exact for my XXXX. Thank you for taking the time and hearing me out today Godbless you and your family and have yaself a wonderful day as well. 

Sincerly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX, and this statement is being composed by myself. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX, and this statement is being composed by myself. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account.

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 2024-01-31 00:00:00
Product: Credit 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: NE

Complaint narrative:
I purchased a lead service and program from XXXX for final expense - the service was changed to a veterans program for leads ( They are two separate options to purchase ) In good faith I gave it a try and received half of the service - stopped the order because I wanted to not be on the veterans program. Arranged an alternative plan with XXXX on their account side via email and agreed to an alternative solution. 

This XXXX years later has still not been addressed. 

The amount of XXXX was originally spent to purchase this lead program - It did not work, It was the wrong program, and I to this date still have no received the entire amount. The original purchase was in XX/XX/year>, the complaints and email agreement to fix what was wrong was in XXXX with lead XXXX client. The dispute was filed in XX/XX/year>, and has been refiled monthly with documentation since to synchrony bank. 

I have disputed this case with synchrony bank/pay pal credit and they keep closing my case without sending me documents. I've faxed my documentation multiple times and it only shows up half the time. The merchant can digitally upload anything without all of the extra hoops to get information to Synchrony. Prior to Synchrony taking over Paypal credit this was never an issue. 

Synchrony keeps charging me interest and higher minimum payments for a service I did not fully receive. - I have contested this case monthly - provided any documentation they request- they send me mail saying I opened the case, never tell me when they close it, and will not send me the documents requested. This has been going on for almost 2 years now I would like to have this resolved as I STILL have no received the service from the merchant fully. 

I will happily provide any information needed.

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