vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
From XXXX XXXX, XXXX  to present my identity was looked up 94 times. Experian says they have submitted reports to remove the exposures- it has been more than 45 days and only 3 have been removed from the sites. 


Unauthorized Inquiries are showing on my credit from : XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not have permission to run my credit with these corporations and needs to remove these inquiries from my credit report - I did not give them permission to send my credit to these companies. Instead of removing the inquiries XXXX XXXX of XXXX XXXX denied wrongdoing and threatened me. 


There is Dark Web Compromised Information Found From Websites and I was never compensated : thecreditpros.com - put my SSN on dark web XXXX  - breach occurred in XXXX, XXXX  - never compensated me for damages chegg.com - breach occurred in XXXX, XXXX, XX/XX/XXXXXXXX  with my old XXXX email poshmark.com - Date : XX/XX/XXXXXXXX  with my old XXXX email chronicle.com - Date : XX/XX/XXXXXXXX  with my old email : XXXX homechef.com - Date : XX/XX/XXXXXXXX  with my old email XXXX myfitnesspal.com - breach occurred in XXXX, XXXX and XX/XX/XXXXXXXX  with my old email : XXXX gonitro.com, Date : XX/XX/XXXXXXXX  with my old email : XXXX I am NOT related to any XXXX- that is my XXXX XXXX, dishonorable XXXX, XXXX XXXX XXXX I am NOT related to any XXXX- that is XXXX XXXX XXXX ( XXXX  ) XXXX XXXX I am NOT related to dishonorable XXXX, XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX XXXX dishonorable XXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX is my, XXXX, XXXX, half cousin who should not be looking up my information at all I am NOT related to XXXX or XXXX - don't even know anyone with these last names Several times I have put in request to have my information deleted from : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX and it keeps showing back up on their sites ( Disrespectful and illegal ) I have been dealing with RICO practices- with threats to me and my children 's life Duty The agent had a duty of care towards others Breach of Duty The agent failed to live up to the duty of reasonable care Causation The breach of the duty of care is the cause Damages the victim ( myself and children ) suffered damages.

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 2023-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NC

Complaint narrative:
My account was compromised and they detected fraud so they locked my account I submitted my documents I had they still keep requesting the same documents I talk to support they all say the same, theyre no help I have a legit job and get paid weekly so I still have yet to receive my check I have kids I have to feed they dont care I dont care about getting the account back I just want my funds sent back or a check

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My information was used incorrectly to open credit cards. I reported indentity theft to my police department but nothing got resolved as far as getting thing removed from my report. There is a total of 5 accounts that are fruadulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
One 3 separate dates in the past year One Main Financial has placed hard inquires on my account. They have also sent me emails stating that I need to call them to finish the loan approval process. I have not tried to open a loan with One Main in over 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
Information sent to Mohela with no response You haven't answered the questions that were asked. You have breached your contract with the Department of Education. 

Title 15 Chapter 41 Issues 1 ) ~~1692g. Validation of debts You were asked to validate all debts and failed. You provided a note about a consolidation but you are required to validate those debts before attempting consolidation which was predatory as you could ONLY be approved for PSLF with a consolidation. 


2 ) ~~1692e. False or misleading representations You listed an incorrect payment schedule based on a hypothetical tier system that does not exist The tier system is not in any legal context you made that number up. 

3 ) ~~1681i. Procedure in case of disputed accuracy You did not fix incorrect information submitted to CRAs 41 U.S. Code ~~ 6503 issues Still incorrect on All CRAs 1 ) You breached the contract with DOE and didn't report to DOE or the contracting official as required FOIA request show XXXX didn't report information adequately and you used this inaccurate information in your reporting 2 ) You breached the contract with me concerning fair practice, communication, validation of debt, PSLF , negligence gross and and standard by providing false information that is part of a contractual agreement Fair Debt Collection Practices Act You attempted to collect debts either forgiven/ with incorrect values/ false number at multiple points in time.

1 ) XXXX  XXXX  2 ) XXXX  A and B This does not include state and local jurisdictional issues. I suggest you meet with the DOE and get your act together promptly As of XX/XX/ you still have Inaccurate information on your website/ written mail/ PSLF calculations/ and reported inaccurate information to CRAs this amount to negligence and is now gross after months of you doing nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
One 3 separate dates in the past year XXXX XXXX XXXX has placed hard inquires on my account. They have also sent me emails stating that I need to call them to finish the loan approval process. I have not tried to open a loan with XXXX XXXX in over 5 years.

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: FL

Complaint narrative:
One 3 separate dates in the past year XXXX XXXX XXXX has placed hard inquires on my account. They have also sent me emails stating that I need to call them to finish the loan approval process. I have not tried to open a loan with XXXX XXXX in over 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Grain Technology, Inc.
State: FL

Complaint narrative:
My information was used incorrectly to open credit cards. I reported indentity theft to my police department but nothing got resolved as far as getting thing removed from my report. There is a total of 5 accounts that are fruadulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I purchased a shelving unit for a total cost of {$190.00} on XX/XX/XXXXXXXX   the next statement I paid {$60.00} which was posted on XX/XX/XXXX. The next statement I paid it off which consisted of the balance for {$130.00} plus interest of {$2.00} totaling {$130.00} which was paid on XX/XX/XXXX. On XX/XX/XXXXXXXX  I receive a statement in the mail for a late charge for {$30.00}, I immediately pay it thinking was I late back then? I than check my statement & realized I paid that off on XX/XX/XXXX. Per my statement an interest charge of {$2.00} was added on XX/XX/XXXXXXXX  after the loan was paid off. They continued to charge me monthly for interest & late fees which is how that {$30.00} was accumulated. I called & after several attempts I finally got customer service. I immediately requested my account to be closed & I was told they would send me a refund for the overpayment of {$30.00}. A week or so later I received a check for only {$8.00}!!! I did not bother calling them for the {$22.00} they still owed me as my account is now closed so I wrote it off as a loss. Its now XXXX & suddenly I now owe them {$62.00}!!!! I believe that when they only refunded me the {$8.00} dollars they kept the {$22.00} as a balance owed on my account which allowed them to accrue charges on my account that I am no way responsible for. This is XXXX XXXXXXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: FL

Complaint narrative:
My information was used incorrectly to open credit cards/pay debt. I reported indentity theft to my police department but nothing got resolved as far as getting thing removed from my report. There is a total of 5 accounts that are fruadulent.

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 2023-09-10 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: TN

Complaint narrative:
I report that the information was not accurate on my credit report has payment history and the balance

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 2023-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Navy federal credit union, restricted my entire membership and restricted my checking my savings and my credit card that is a secured card without prior notice a month after opening the account due to info reported it to them by XXXX XXXX XXXX My rent is going to be due soon. I have other lenders that I have to pay Im a student I live alone in a different state by myself and I rent month-to-month.Im about to be homeless and on the streets thanks to this horrible financial institution with no heart

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 2023-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
So my bank account was closed cause I tried transferring money to my Citibank account. It was taking long to get deposited so I just took the money out cash and deposited the money cash in to the Citibank account, So they thought it was fraud and froze my account at the end of XX/XX/. I told them if they can close my account and just give me my money cause I needed to pay bills, they said it was handed over to the fraud company there connected with and gave me there number I called and they said they will send my money through the mail in 30-60 days its been over 4 months going 5 I call once a week and they just tell me the same thing.

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 2023-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ever since XXXX  and the ending of XXXX  before establishing my self owned business and investments I also filed my taxes and was overwhelmed by credit report. Stolen passport, medical fraud, mail fraud, social meetings to belittle my character and invasion of privacy. Bank fraud, wire transfer fraud and want the phony people put away

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently attempted to check my credit report. It can not be accessed.

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 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Ref : XXXX Account ending : XXXX To whom it may concern ; I opened an account with AMEX credit cards, -around XXXX XXXX- in fact I upgraded one of my AMEX cards to another card offer. 
If you spend {$1000.00}, they will pay you {$150.00} as a cash bonus, in 3 months. I agreed on that, and they sent me the new card. 

Afterwards; during Summer XXXX, I had a visit to XXXX and XXXX ( around XX/XX/XXXX  ). I called them, asking if they apply foreign transaction fees for expenses abroad, and they said Yes. Regarding this, I canceled my card. They did not inform anything at that time. 

After one month ( Around XXXX or XX/XX/XXXX  ) they sent me a bill, regarding my canceled account, that I owed them {$150.00} since I had not completed my 1 ( one ) year with AMEX card, and I had to refund that money. Ive refused that. They sent me another bill for next month with some 20 % interest {$170.00}. 
This is a fraud ; since I did not agree, to sign or to refund of the cash bonus. Also, I used this card for at least 7-8 months, and also I spent {$1000.00} to get this promotion. 
Also, I asked them to re-open the account, and they refused. 

What can I do? If I do not pay, they will charge me another 20 % interest to this amount. In fact this was not a credit, just a promotion. 

What can I do against American Express Corporation?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-10 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act WF/DILLARDS Acct XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
loan was taken out on XX/XX/XXXX   ( 6 mos ) XXXX XXXX XXXX AMOUNT XXXX $ I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been paying back a vet bill for about a year now, I inquired about a card security fee that was never advertised when I swiftly applied for this program due to an unforeseen emergency with my animal. I asked the reasoning for this charge with the following response, and then after paying my bill in full asked to cancel this fee, as I never agreed to an additional charge knowingly. I am nervous they will continue charging me for something I dont want, and I do not want to cancel this service and have my credit impacted in some shape or form.

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I found the account on my XXXX report, XXXX XXXX, I have no knowledge of this account. I have no knowledge of the original creditor. I have never been contacted by the collection agency nor the original creditor. According to the FCRA act I should have been contacted by the creditor. I have sent certified letter to the debt collector asking for validation which I have not had any communications from the debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: IL

Complaint narrative:
I found the account on my XXXX report, XXXX XXXX, I have no knowledge of this account. I have no knowledge of the original creditor. I have never been contacted by the collection agency nor the original creditor. According to the FCRA act I should have been contacted by the creditor. I have sent certified letter to the debt collector asking for validation which I have not had any communications from the debt collector

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 2023-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
PennyMac is refusing to make payment on our homeowners policy. I sent them the XXXX XXXX documentation showing we had a policy and they were supposed to make payment. They keep writing to us saying no payment has been made yet they are the ones who are supposed to pay it! We finally paid it in full ourselves to avoid a problem but PennyMac is still sending us notices that we dont have coverage HELP!!! 

This is an email we sent them on XX/XX/XXXX : TO : XXXX Hello. It was our understanding that the lender pays the insurance company and included in our monthly mortgage payment. 

Since PennyMac for some reason does not pay the homeowners insurance police and instead requires the mortgagee to pay up front, we did. See screenshot below. 

Please update our monthly payment to delete the portion that covers the insurance since we have paid it directly ourselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act COMENITY CAPITAL BANK/ULTAMC XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation