vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I made a purchase online with XXXX XXXX in the amount of {$280.00}, on XX/XX/2021. I then made a payment of {$160.00} that posted on XX/XX/2021. On XX/XX/2021 a Finance Charge of {$3.00} was applied. On XX/XX/2021 a refund for a partial return in the amount of {$110.00} posted back to my account, which left a remaining balance of {$7.00}. That balance was paid on XX/XX/2021, prior to the billing cycle ending. So, at that point the account was paid in full. On XX/XX/2021 a Minimum Interest Charge of {$2.00} was applied to my account, although there was no balance it could be applied to, since the previous balance was paid prior to the end of the previous billing cycle. I contacted Comenity via their internal online Secure Message Center on XX/XX/2021 and the rep refused to remove the incorrectly charged fee. That fee is now in dispute with Comenity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-30 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the inaccurate info being reported from XXXX XXXX -- XXXX In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank 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 2021-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1300.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$520.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX  XXXX XX/XX/XXXX {$1800.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX {$2900.00}, XXXX  XXXX XXXX XX/XX/XXXX {$4000.00}XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XX/XX/XXXX {$6100.00}, XXXX XXXX  Bankruptcy XXXX XX/XX/XXXX {$0.00}. XXXX : XXXX XXXX XX/XX/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 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I received an email today regarding an open bank account with Citizen Bank. The date is XX/XX/2021 at XXXX. I was sleeping at that time. And I have my own bank, on top of it, Im not working to open a new bank account. I reported and filed a complaint with Citizen Bank. Now Im afraid that someone knows my social security and my Date of birth and will use my information to open accounts under my name. And the bank representative also advise me yo report this matter to this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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 — Problem with personal statement of dispute
Company: ProCollect, Inc.
State: FL

Complaint narrative:
On XXXX my daughter signed a lease agreement with the XXXX XXXX XXXX XXXXXXXX XXXX apartment complex in XXXX FL, I cosigned the agreement for her at that time, even though I realized that the contract was very uncomfortable. My daughter was supposed to move in on XX/XX/XXXX to start the school year at the XXXX university. Covid 19 hit the country by the end of XXXX and then on XXXX XXXX suspended the in person classes for the XXXX due to the Lock downs in the state. We tried to contact the complex by all means available but they did not respond until after the lease began on XX/XX/XXXX. By this time, they sent a letter saying that she was supposed to move in, we tried to negotiate the lease by giving them different options like to pay 3 months in advance and get rid of the contract, to be allowed to posponed the lease for XX/XX/XXXX and thus my daughter will live it for the agreed time, 1 year lease. We also offer them to allow us to pay up to 5 months by monthly payments to get rid of the contract, but none of these was good for the management. As a result, when the contract year ended on XX/XX/XXXX, they send the total debt to collection as expected. The company named PROCOLECT, INC contacted me to collect the debt on XX/XX/XXXX. I sent them a letter in which I requested time to get into an agreement and in less that 10 days they reflected the negative account on the credit bureau which I believe is a violation of the Fair credit reporting act and the consumer financial protection. 
I disputed the account with the XXXX bureau but they found the dispute valid.

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 2021-12-30 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/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 2021-12-30 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: NC

Complaint narrative:
I have sent in letters on numerous occasions to Transunion and they are still reporting false information on my credit report. I have wrote this company In XXXX, XXXX, XXXX, XXXX and XXXX but that will not take action on the accounts I told them that do not belong to me. I have wrote the collection agency as well.

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 2021-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I am on a bi weekly payment schedule, as such my payments are a month ahead. In addition every month I make an additional principle payment of {$500.00}, i do this under the Principle payment option. every month I have to call later, and have them properly credit the account, as they put the extra payment into " unapplied funds '' when I call they tell me they dont know why that happened and will fix it ( this takes about a week ) On the first of XXXX, i had a long conversation with a manager who assured me the issue was fixed. money was taken from my account on the second, they did not apply it until the XXXX, and once again out into " un applied funds ''. This happens so regularly I have to question that it is accidental each time. They sit on my money until I ave it corrected. I have spoken to several " escalation '' team members who assure me it has been fixed. It has not, nor do they respond to why my funds sit in their account for so long before they even post ( even though they post incorrectly to un applied funds ). I know more than the average customer as I am in this business. the response is always " escalated '' but never fixed. I have asked if i should just call it in and told i would be charged each time if I do that, why should I have to pay a fee because they cant figure out how to apply payments??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: IL

Complaint narrative:
Received a phone call from a locator who asked if they were speaking with me. When I answered yes, they immediately asked for my address. No forms of verification, just wanting my address. When I asked for what, he answered that I had a claim and gave me the number to XXXX XXXX ( XXXX ) and a claim number ( XXXX ). The representative went about trying to use scare tactics to get me to pay a debt that I was unaware of. I have received no credit reports for this debt, I have received no documentation of its past due payments or even any information that it would be sent to a collection/claims agency. Ive been threatened with a fraud charge and jail sentence. The XXXX XXXX  is using harassing and scare tactics in attempts to collect a debt. When asked for documentation, they refused, saying I could call the loan agency and theyll verify that they are now in charge of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: OneMain Finance Corporation
State: NC

Complaint narrative:
I have sent in letters on numerous occasions to XXXX and they are still reporting false information on my credit report. I have wrote this company In XXXX, XXXX, XXXX, XXXX and XXXX but that will not take action on the accounts I told them that do not belong to me. I have wrote the collection agency as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing regarding a loss of {$5000.00} from our personal bank account at chase bank. 
All our efforts to get a reimbursement from Chase bank until now were rejected although we feel that Chase bank is responsible for our money loss. 
We hope you can help us get our money back from Chase bank. 

In XX/XX/2021 at XXXX XXXX, I received a text to my cell phone from Chase Bank phone ( XXXX ) XXXX Stating that there is an attempt to transfer {$5000.00} out of my Chase account through XXXX. 
At XXXX, I got a phone call from another Chase phone number ( XXXX ) XXXX, the person on the other line, said he is a chase representative and that someone transferred {$5000.00} out of my XXXX account and he will try to help me reverse it. 
After a long conversation ( over 50 minutes ) in which we supposedly tried to reverse the transfer, he had me transfer the {$5000.00} to XXXX account ( XXXX ) XXXX as a last resort to save the money. Then, the line got disconnected. 
At XXXXXXXX XXXX I called back Chase to the same number I got the call from ( XXXX ) XXXX in order to continue the conversation. I was then told that Chase has no records of such a call with me and that this is probably a fraud. 
We talked to our branch manager about this, He contacted the Fraud department which called us few days later. As we did not get any solution from them, we asked to talk to a higher manager which called us few days later. Still, none of these people helped us. They just said they cant do anything! 

We see Chase responsible for this money loss, since all communication with us was through Chase phone numbers ( text and voice ) and we had no means to know it is not done by Chase. 
I want to emphasis the following : 1 ) All phone numbers which connected with us through text or voice were recognized Chase bank phones that we got calls from in the past, so we had no reason to suspect. 
2 ) The conversation with the Chase representative was similar to many other conversations we had with chase representatives over the years regarding fraud suspensions. 
3 ) We understand there is a {$500.00} limit to first time transfer from XXXX, how come CHASE allowed a {$5000.00} transfer to a new number? 
4 ) In the past, chase called us to verify transaction much smaller than this, how come they did nothing on this one? 
5 ) The {$5000.00} went somewhere, the bank knows where the money was transferred to. They should trace it and bring it back to us and not just tell us they can do nothing.

6 ) We understand from the talks to chase people, that this is not the first time something like this happens. Why does Chase not act to eliminate the possibility for this type of fraud? 
We see CHASE bank responsible to trace the money and bring it back to us, or if they can not trace it, than Reimburse us from their own funds. 
We ask that you help us get the money back from Chase bank. 

Best Regards, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
Credit management placed an old XXXX account # XXXX on my credit report. I spoke to credit management in XXXX of 2021 and explained the account wasn't mine and that I have a current XXXX account. The rep told me that she would place the matter in dispute and that no further action is needed on my end. Then Credit Management called XX/XX/2021 regarding the same matter. I explained to them that I already disputed the matter they said it was never submitted and resolved and that they would resubmit the dispute and no further action needed to take place. Then several days later the place this matter on my credit report while I'm in dispute.

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 2021-12-30 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: MD

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days later and I have not yet received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) of the Fair Credit Reporting Act states that a failure to investigate these items within 30 days provides a reason to immediately remove those items from my credit report it has been over 60 days as a result they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-12-30 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: MD

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days later and I have not yet received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) of the Fair Credit Reporting Act states that a failure to investigate these items within 30 days provides a reason to immediately remove those items from my credit report it has been over 60 days as a result they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I made a donation to a charitable organization on XX/XX/2021 for {$900.00}. It is now XX/XX/2021 ( over 4 months later ) and the payment is still pending. PayPal refuses to process or cancel the transaction. They took the money from my bank account but have not moved the money to the organization 's account. PayPal claims that the payment is under some kind of regulatory or compliance review. I haven't had issues with any other payments I made and the organization has not had issues with any other payments they received. Even if this transaction was arbitrarily selected to be reviewed for whatever reason, it should not take four months. It is completely unacceptable to hold my money indefinitely. I have called and emailed at least 5 times over the past 4 months and the representatives claim there is nothing they can do to resolve this. If PayPal does not have enough people or resources to review transactions in a reasonably timely manner that is their problem, not mine. This is fraud and theft. They are probably doing this to thousands of people and holding millions of dollars for long periods of time and earning interest or investing that money for the company 's benefit. I should get my {$900.00} back, plus interest and penalties for the 4 months they have been holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am a woman owned automotive repair company. I am here by myself. I hire people to work per day. For some reason, TD bank will not give my financial partner snd I separate usernames for online and we keep getting locked out of our account. One month i see a charge from XXXX XXXX. Knowing ive only uses that like once a long time ago, I call to inquire. Turns out there are many small transactions in total of 1300 dollars. I am sick to my stomach but td says they will look into it and as long as it wasnt me, everything would be fine. Fast forward a few weeks I am attempting to make a business purchase and my card is declined. They reversed the credit with no reason or letter or warning. Then the overdrafts start. i tried to call them snd go to the branch they do nothing but argue with me. Ive heard TD does not have their customers backs when they get scammed. I dont have time to chase a huge corporation like this, it isnt fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-30 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

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 2021-12-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021, I submitted a FTC report along with a copy of my identification card and social security card. I called on XX/XX/2021 to see why i haven't received updated documents. I was informed that they never received my documents although they were certified and I explained that the receipt states it was delivered on XX/XX/2021. They still stated they do not have the documents and that I should resend them by mail again. They also stated that they didn't receive any documents from me since XXXX. Ok on XX/XX/2021 I resent the documents again by certified mail. The delivery date shows it was delivered certified on XX/XX/2021. I called today XX/XX/2021 to only be told ( by a SUPERVISOR ) that my documents still weren't receive and to the only thing I can do is resend them via mail. This company is playing with my credit profile but are also contributing to the identity theft that is already happening to me. How can a company be so careless with people important information. They constantly keep telling me that the documents weren't received, but I have the proof that they are being delivered to the correct address. So how exactly aren't you guys receiving these documents. If you aren't receiving them then who are? I feel that this company is being malicious and are not adhering to the FTC rules.

Company response to consumer: Closed with explanation