vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I received payment for work I did in my PayPal account at the address, XXXX. They have placed a hold on the money for no reason. They have stolen my money. I have no access to my money. I demand the immediate ability to transfer my money as I see fit. They need to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: EQUIFAX, INC.
State: NM

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit 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 explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FinCo Services Inc DBA Current
State: IA

Complaint narrative:
When opening the account, I was promised {$50.00} and 4 % APY savings. After transferring over {$1000.00} into the savings account, within three days, the APY was dropped to a mere 0.25 % APY. Nowhere in the emails received on setting up the account does it say a direct deposit was required for the 4 % APY. However, I received a direct deposit of over {$400.00}, but still, the APY was not reverted to 4 % nor did I receive the {$50.00} bonus payment. I contacted their customer support who continually treated me disrespectfully, and refused to listen to what I was trying to tell him. The entire thing seems like a scam, bait and switch advertising, but I can promise I will end up taking my business elsewhere as soon as I receive what I was promised.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I done paid collections and theyre still on there. I also have inquiries on my credit that I have no idea about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
usaa received money va direct deposit form va i sent 4 request no respond to date usaa want tell me who the paid nor how much usaa allowed some to put their name i need to know ther pa history is wrong the amount is tooly wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My check card was used out of state at XXXX XXXX restaurant in the amount of XXXX and XXXX back to back on the same day. I disputed the changes through Bank of America and received a temporary credit in those amounts and the credit was reverse stating that a chip was used. 

The amounts are almost exactly the same.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I ordered a my XXXX report and noticed a unauthorized hard inquiry from Capital One on XX/XX/. Prior to applying for a credit card with Capital One, I called and spoke to a representative. I was informed that a soft inquiry would be ran. I explained that I wanted to verify before applying because I don't want any hard inquires ran. I was reassured that it would not be hard. I was shocked when I viewed my XXXX report to see that it was a hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: CA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-28 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: PENNYMAC LOAN SERVICES, LLC.
State: OK

Complaint narrative:
PennyMac Financial Services has erroneously reported a mortgage on my credit report. I disputed the account through XXXX, and PennyMac responded by removing the account. However, PennyMac relisted the account without explanation. This has prevented me from purchasing a new home- XXXX denied my mortgage application in XXXX due to this account. I only purchased one home in XX/XX/2019 through XXXX, where I still reside. It's a three-bedroom home. My wife is XXXX  with our XXXX child, and the due date is expected in XXXX. We're running out of time to purchase and move into a suitably sized home. Please help and contact me with any questions or requests. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: TX

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-06-28 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: CA

Complaint narrative:
I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant XXXX. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these creditors Wells Fargo Cards Services, XXXX XXXX XXXX XXXX, The XXXX XXXX, and XXXX Card have violated my rights. Under 15 USC 1681 section 602, it states that I have the right to privacy. Furthermore, 15 USC 1681 section 604a, section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Lastly, 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.

Please update my credit file in accordance with sections prescribed above. 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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these creditors XXXX XXXX XXXX XXXX, One Main Financial Corporation, The XXXX XXXX, and XXXX Card have violated my rights. Under 15 USC 1681 section 602, it states that I have the right to privacy. Furthermore, 15 USC 1681 section 604a, section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Lastly, 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.

Please update my credit file in accordance with sections prescribed above. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: M.A.R.S., Inc.
State: KS

Complaint narrative:
I was called by a debt collector M.A.R.S in XXXX, Ok. I had asked what would happen if I couldn't pay off the debt, the man responded " it'll stay on your credit & you'll never be able to rent another apartment '' the reason why I even have an {$800.00} debt from XXXX XXXX in XXXX Ok, is due to them charging me for rent that " didn't get paid '' since they put more money on my XXXX from XXXX XXXX ( called refund prepayments ) that they should've but I'm the one being held responsible. I'm being charged {$300.00} for rent, and a prorated move out fee I shouldn't be, I was told that I would only pay {$30.00}, not {$70.00}, but somehow I owe both those costs. I initially got a debt letter XX/XX/2022.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My closed accounts are being included in the credit score calculization. It says that the utilization of. Reset is based on how much credit is being used out of the available open accounts. They are including closed accounts in my score and it is not calculating my score properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX  credit card for {$2000.00} is from over 10 years old. Also a XXXX XXXX card for {$400.00} is more than 10 years old. I have said they are byond the statue of limitations and collection is to be ceased. They continue to call and harass me. They try to get me to login to see what the debt is for without communicating it to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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:
In XXXX I received a XXXX XXXX from XXXX XXXX. Sometime in XXXX, I was expected to repay this loan. I contacted XXXX XXXX  and informed them of my being totally XXXX and unable to repay this loan. But I was going through the process to have the Government repay this loan on my behalf, through XXXX. 
I was ultimately determined to be 100 % XXXX and this loan was paid off by XXXX. 
( See Enclosed ). 
Just recently I applied for a Mortgage loan. And to my surprise, on my Credit Report was this XXXX XXXX  XXXX being in COLLECTIONS... 
I contacted XXXX, and was informed by them that this loan had been paid off in XXXX. 
Thus, after further review of my Credit Report, I found that ALL OF MY STUDENT LOANS were indeed paid off through XXXX. And the only negative on my reports is this XXXX issue. 
It seems that XXXX XXXX has taken the issue that whether or not a student is XXXX or not. If they do not personally repay their loan, XXXX will make sure their credit is destroyed for the ensuing future. This is an unfair practice implemented by this college, If a person is deemed XXXX, they should not be penalized for that XXXX. 
Al of the other student loans treated this writer fairly and the credit reporting for these loans are not reported negatively, as XXXX should not be allowed to treat this writer any differently for my 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 2023-06-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In XXXX I received a XXXX XXXX from XXXX XXXX. Sometime in XXXX, I was expected to repay this loan. I contacted XXXX XXXX  and informed them of my being totally XXXX and unable to repay this loan. But I was going through the process to have the Government repay this loan on my behalf, through XXXX. 
I was ultimately determined to be 100 % XXXX and this loan was paid off by XXXX. 
( See Enclosed ). 
Just recently I applied for a Mortgage loan. And to my surprise, on my Credit Report was this XXXX XXXX  XXXX being in COLLECTIONS... 
I contacted XXXX, and was informed by them that this loan had been paid off in XXXX. 
Thus, after further review of my Credit Report, I found that ALL OF MY STUDENT LOANS were indeed paid off through XXXX. And the only negative on my reports is this XXXX issue. 
It seems that XXXX XXXX  has taken the issue that whether or not a student is XXXX or not. If they do not personally repay their loan, XXXX will make sure their credit is destroyed for the ensuing future. This is an unfair practice implemented by this college, If a person is deemed XXXX, they should not be penalized for that XXXX. 
Al of the other student loans treated this writer fairly and the credit reporting for these loans are not reported negatively, as XXXX should not be allowed to treat this writer any differently for my XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XXXX I received a XXXX XXXX from XXXX XXXX. Sometime in XXXX, I was expected to repay this loan. I contacted XXXX XXXX  and informed them of my being totally XXXX and unable to repay this loan. But I was going through the process to have the Government repay this loan on my behalf, through XXXX. 
I was ultimately determined to be 100 % XXXX and this loan was paid off by XXXX. 
( See Enclosed ). 
Just recently I applied for a Mortgage loan. And to my surprise, on my Credit Report was this XXXX XXXX  XXXX being in COLLECTIONS... 
I contacted XXXX, and was informed by them that this loan had been paid off in XXXX. 
Thus, after further review of my Credit Report, I found that ALL OF MY STUDENT LOANS were indeed paid off through XXXX. And the only negative on my reports is this XXXX issue. 
It seems that XXXX XXXX  has taken the issue that whether or not a student is XXXX or not. If they do not personally repay their loan, XXXX will make sure their credit is destroyed for the ensuing future. This is an unfair practice implemented by this college, If a person is deemed XXXX, they should not be penalized for that XXXX. 
Al of the other student loans treated this writer fairly and the credit reporting for these loans are not reported negatively, as XXXX should not be allowed to treat this writer any differently for my 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 2023-06-28 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Despite being protected by the Servicemember 's Civil Relief Act ( SCRA ), American Express ( AmEx ) has erroneously assessed renewal fees onto my account twice this year. 

The first instance was on XX/XX/XXXX, in the prorated amount of {$31.00}. I contacted AmEx and explained that I was a XXXX XXXX who served on federal active-duty orders ( Title 10 ) for over 30 days in length, from XX/XX/XXXX through XX/XX/XXXX. I further explained that XXXX eligibility extends one year beyond the end of the eligible service. So, my covered period would've been extended to XX/XX/XXXX, which contains the date in question. Instituting a renewal fee is therefore a violation of the XXXX. I opened a case with AmEx for them to review the situation, and after numerous follow-ups, I was incorrectly told that I was not protected under the SCRA. 

The second instance was on XX/XX/XXXX, in the amount of {$95.00}. I'm a XXXX XXXX currently serving on federal active-duty orders ( Title XXXX ), which began XX/XX/XXXX. Since I'm currently serving on federal active-duty orders over 30 days in length, I'm protected under the SCRA. It's indisputable that I should not have been assessed this renewal fee, and that the fee was applied in violation of the XXXX.

Company response to consumer: Closed with monetary relief