vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: SoLo Funds Inc.
State: SC

Complaint narrative:
I was approved for funding on XX/XX/year>. The funds were bot available. I reached out that evening and was not able to make contact. I selected email as a way for them to contact me. I never received a reply. I reached out again on XX/XX/year>. I waited for someone for 30 minutes and they said they are working on the issue. She gave me some ways to troubleshoot that did not work. I responded to the email follow up for that conversation three times and they closed it saying I had not responded. On Sunday, XX/XX/year>, received an email stating the loan was due in 5 days. I reached out again on XX/XX/year> and they told me they escalated my case so that the loan could be closed out. I was told I would hear back in a day. I reached out again this morning, XX/XX/year>, to find out what was going on. I got the same generic responses and was told they are working on it. 8 hours later the loan is still active.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive sent multiple letters & disputes to Experian to correct my credit report as they are still reporting inaccurate information from creditors on my report. They refuse to conduct a proper investigation & provide me with their methodology. Ive disputed items with letters directly from creditors to assist me however Experian refuses to take in account or conduct a proper investigation. I have been a victim of identity theft & they will not help me.

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 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
Date of Transaction : XXXX Charge XXXX My source is the XXXX of XXXX 's # XXXX sent to me on XXXX XXXX  Transaction # XXXX Card # XXXX Approval # XXXX Reference # XXXX The XXXX 's XXXX sent this information to me via a text from XXXX I have an image of the " Ticket Copy '' via text on my phone. 

*I do not remember his name. 

Barclays stopped a second attempt to use the cards XXXX miles away. 

I was notified by Barclays & locked my 4 accounts/cards I have with Barclays.

I was under the impression that the charge would be removed by the Customer Service person. 

The charge was removed, but was reinstated this month.

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
There were identity theft on my TD credit card and my XXXX checking accounts. The charges were from XX/XX/XXXX to XX/XX/XXXX. The fraudster requested {$XXXX0} from my checking amount to make payment to my TD credit account after he/she has XXXX out my credit card which had a credit limit of {$XXXX}. At the time of the fraud my balance on the credit card was {$XXXX}. I made check reversal claim to both bank for the returning of my {$XXXX}. XXXX has return my money and TD has also sent me a check in error of the of {$XXXX.00} and was made it as a purchase charge against my credit card on XX/XX/XXXX. I have contacted the bank several time and I was told that they could do a check reversal and closed out the balance on my account. I received a call from XXXX of the managers at XXXXXXXX XXXX on XX/XX/XXXX. I was also told by this XXXX to destroy the check and shouldn't cash it. The check reversal was not done and the balance was still on my account accruing interest. I made several calls to TD since then I was told me that it was the bank will correct the account. Since they I have accrued interest and my account is there in house collection section. After the fraud I was given a new credit card number but my old credit number is still active and being accruing interest. I received the check and was advised on XX/XX/XXXX by XXXX customer representative to deposit the check which I did but was given a manual receipt Since my credit card limited has decrease from {$XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Someone used my name and social security to open an account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: MO

Complaint narrative:
$169
Open balance

WAYPOINT RESOURCE GROUP
Original creditor

Opened
XXXX XXXX XXXX (1 yrs, 1 mos)

Account status
Open

Original creditor name
WAYPOINT RESOURCE GROUP

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have on numerous accounts attempted to correct a typo that has been created by an agency. They have the incorrect social security number that has now been placed as mine and causes rejection as well as hindrance and sometimes even suspicion flags when being pulled. This has been an issue for years and I am told the only way is to send the original documents which I simply refuse to do. I am now reaching out to this service to seek help.

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 2024-05-28 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:
Can you delete these inquiries? I have no knowledge of this, and the company did it without my agreement.

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 2024-05-28 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: ID

Complaint narrative:
I am a consumer by law. My credit report has false and unfair reporting that is damaging my ability to get an apartment for my kids. Of course I am upset about this so I ask that this false information get removed from my report.

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 2024-05-28 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: FL

Complaint narrative:
According to FCRA 605B, we should remove any incorrect accounts from my credit report. Can you review the documents? Some of the listed accounts have errors in reporting, including inaccurate amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I never lived in XXXX and i never got arrested for identity theft or charged with a crime.

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 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a credit card in the mail on XX/XX/year> that I did not apply for at Capital One banking. I immediately reached out to their customer support number to get some answers. The first operator I talked to said she would not be able to help me unless I gave her my SSN. I refused to give that out because I dont even bank with Capital One nor have I ever had an account with them. She then referred me to her supervisor. I gave her the card numbers that was on the card I received in the mail and asked to see if she could tell me at least what date it was requested or how it was requested ( phone, email, etc. ) She said she could not provide me with any answers since I didnt want to give me information out therefore she couldnt see the account. I again stated that I do not have an account with them to begin with. She said the only thing she could do is file a report which then she asked for my name, DOB, address, phone number. I gave those to her and she then mentioned that I should file a police report and also report it here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

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 2024-05-28 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: GA

Complaint narrative:
Get rid of these inquiries, as I have no information about them and the company acted without my authorization.

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 2024-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
Applied for consolidation of student loans to work toward XXXX. Loan was paid in full through consolidation on XX/XX/XXXX. I verified my loan details and account through Mohela which supported a XXXX balance. I received notice that my loans would be going into repayment in XX/XX/XXXX but my account balance is still XXXX. I received a bill in the mail today, XX/XX/XXXX, stating a payment of {$460.00} was due on XX/XX/XXXX. This was a first notice. The letter was dated XX/XX/XXXX but not delivered until today. Even considering the XX/XX/XXXX date it is not a 21 day notice. My online account still shows an XXXX balance as of XX/XX/XXXX. Additionally the account number on the letter is not associated with my established Mohela account or my XXXX when trying to navigate their call center. I tried calling the customer service number within stated business hours and have been unable to connect with a representative. The current wait times are not compatible with daily life requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: TX

Complaint narrative:
I was advised by a Transunion and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these Fraudulent Unauthorized inquiries on my report. 

Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help, this is hurting my credit card and reporting false information to future creditors. 
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 XXXXXX/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 2024-05-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XX/XX/XXXX, I opened a XXXX bump-rate certificate account with an advertised 5.1 % APY and an initial deposit of {$25000.00}. On XX/XX/XXXX, I had the rate " bumped '' to the new advertised 5.15 % APY. On XX/XX/XXXX, the account reached term and closed, and I was credited with {$1200.00} in interest, which is only an effective APY of 5.03 %. ( The expected APY, taking into account the bump, should have been about 5.11 %. ) Upon discussing with the company, they told me I selected an annual compounding frequency resulting in the discrepancy. This was not my intention and I acted according to their wording at account opening. At account opening, I was asked to select a " Dividend payment account '' ( the options for which included an external account ) and " Dividend payment frequency '' for which I selected " at maturity. '' My understanding given these options and the wording which included the term " payment '' was that a more frequent schedule would remove ( " pay '' ) funds FROM the account ( especially given the option of an external account ) and thus make them ineligible to earn interest. Hence, I selected " at maturity '' assuming this would result in monthly compounding. 

Furthermore, the Rate & Fee Schedule states the following, which support my argument : " The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. '' ( The funds did remain on deposit until maturity. ) " Dividends for all accounts will be compounded and credited monthly. '' ( This directly contradicts what happened. ) I spoke to the company about this approximately 30 days ago and was promised a follow-up, which I never received. I spoke with them again today, XX/XX/XXXX, and was told there was nothing they could do since I am the one who made the selections. I feel as though I have been defrauded by the poor wording ( they could have easily instead used the clearer term " compounding frequency '' ) as well as the contradictions to their own terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: VA

Complaint narrative:
Documentation was sent to Equifax to remove the 120+ late day posted in XX/XX/XXXX. At that time I was on the SAVE program and was not required to make any payments. Also my student ; oans were forgiven in XXXX of XXXX by the government so there should have been no late payments posted to equifax at all and they will not remove them immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear CAPITAL ONE, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws specific to XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that CAPITAL ONE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, specifically in XXXX XXXX, underscores the necessity of consumer consent for credit reporting. The identity theft and fraud provisions in Missouri 's Revised Statutes Sections 570.223 and 570.224 emphasize the severe repercussions for unauthorized use of personal information, which includes credit reporting without explicit consumer consent. 

I assert with unwavering certainty that I have not provided consent for CAPITAL ONE to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CAPITAL ONE immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws against identity theft and fraud. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CAPITAL ONE will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On multiple occasions, Wellsfargo has wrote me in regards to security breaches and also they have charged multiple overdraft fees with no explanation. After going through the pain and suffering for years, I eventually closed my account with them.

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 2024-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, 3 credit cards were opened and purchases made in my name without my consent or knowledge. One was Comenity/Kay with a charge in the amount of {$9100.00} charged in XXXX, FL per the representative that I spoke with named XXXX. The second account that was opened and purchases made without my knowledge or consent is XXXX XXXX XXXXXXXX XXXX XXXX amount of {$490.00}. The third credit account that was opened without my consent and purchases made was XXXX in the amount of {$380.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
These inquiries were done without my consent, and I have no knowledge about them, so please remove them.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc.
State: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: FL

Complaint narrative:
According to FCRA 605B, we should remove any incorrect accounts from my credit report. Can you review the documents? Some of the listed accounts have errors in reporting, including inaccurate amounts and dates.

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