vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I had no late payments with these accounts. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I was charged a {$39.00} membership fee in XX/XX/XXXX. And {$39.00} membership fee in XX/XX/XXXX. I was told in both occasions I would be able to upgrade card to a non membership fee card. This has never happened. I'm now forced to close the account and lose credit age and also available credit. Card companies should not be able to lie customers and I was lied too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Company purchased an account which I do not owe. I DISPUTED THIS MULTIPLE TIMES IT IS NOT A VALID DEBT, THEY DID NOT PROVIDE A SIGNED APPLICATION SHOWING I OPENED THIS ACCOUNT WITH THEM LEGALLY HAS TO BE REMOVED UnDER THE FAIR CREDIT REPORTING ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX continues to report the consolidated loans to the credit bureaus, while the loans are continuing to accrue interest and the balances continue to increase which is negatively impacting my credit scores and credit profiles. My latest credit bureau reports state that the balances on that consolidated loan balance has increased again. That solely decreased my credit score.

Here is what the US. Department of Education is saying about forbearance and interest on borrower defense approvals.

" Title 34, Subtitle B, Chapter VI, Part 685, Subpart D, Section 685.406 ( 1 ) Approval of a Borrower Defense Claim. If the Secretary approves the borrower defense claim ( i ) The written decision states the Secretary 's determination and the relief provided as defined in 685.401 on the basis of that claim.

( ii ) The Secretary places a borrower 's Direct Loans associated with a group borrower defense claim into forbearance until the Secretary discharges the loan obligations under 685.212 ( k ). If any balance remains on the Direct Loans not associated with the borrower defense claim, those loans will return to their status prior to the claim process. The Secretary resumes collection activities on those Direct Loans not associated with the borrower defense claim no earlier than 90 days from the date the Department official issues a written decision. No interest will be charged on the loans during the forbearance period. " Those consolidated loans are a part of the Borrower Defense to Repayment approved application and they are supposed to be discharged and the tradelines deleted from my credit profiles. While in forbearance and awaiting discharge they should not be accruing interest. Why is interest still accruing? 

XXXX 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 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Mercury Technologies, Inc.

Complaint narrative:
I recently became a user of Mercury 's banking services and was in the process of exploring their features when I unexpectedly encountered an issue. Just under five days into using the service, my account was suddenly restricted. This was particularly alarming as I was unable to log in or access the {$25000.00} in funds, which are crucial for my business operations.

In an attempt to resolve the issue, I reached out to Mercury 's customer support, inquiring about the reason for this sudden restriction and requesting the return of my funds. Despite my efforts to contact them, I have not received any response or explanation from Mercury. The lack of communication and the unexplained restriction of my account have left me in a challenging position, impeding my ability to manage my business finances effectively. 

The situation has caused significant distress and inconvenience, and I am in urgent need of a resolution. I am seeking clarity on why my account was restricted and the immediate return of my funds. The resolution of this issue is critical for the continuity of my business operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I closed two of my PayPal accounts last year. I closed the first account, which was a normal PayPal balance account, in XXXX XXXX XXXX I closed the second account, which was a PayPal business account, in XXXX of XXXX. I expected to be able to either access my final statement online through the PayPal website, or to be sent a paper statement through the mail. After I had closed my accounts, I could no longer access the website, which was fine. However, I never received a final mailed statement for either of these accounts. I attempted to contact PayPal on XX/XX/XXXX to see if I could have them either mail or email my final statements for these accounts. The representative XXXX XXXX XXXX from PayPal stated that I could no longer access these statements as my accounts had been closed. XXXX also stated that no one at PayPal could access my past statements as when I closed my account it was " good as deleted in our system. '' I am unsure why PayPal as being told this, as generally financial institutions are supposed to keep records for 5-7 years for tax purposes? I could be mistaken but it seems odd that PayPal would wipe someone's financial history because they've closed their account. I would like my last statements from these two accounts as there was no way for me to access them prior to my account closing, as PayPal doesn't generate statements until the following month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FISERV FINXACT CORE
State: CT

Complaint narrative:
I am filing complaint against Fiserv, XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX In XXXX of XXXX, I signed a no annual fee contract with the company for merchant service. In XXXX of XXXX, I found an annual fee security bundle of {$290.00} charged against my account. I called the company on XX/XX/XXXX, a sales named XXXX called me back. He said on the XXXX Statement, there was such a wording : " The security Bundle Fee of {$290.00} will be charged to your account on or after XX/XX/XXXX, and will appear on your XXXX XXXX month-end statement. Continuing your merchant account with us or using your account after 30-days following the date of this notice will confirm your acceptance to these terms. ". I told him I never agreed to this term, and want to close my account and get money back. XXXX promised me to send me a written message, stating if I continue to use the account, I will get the refund within 60 days. As of today, XX/XX/XXXX, I never got his email, and called him again, he said even I want to close my account, there is no refund for the annual fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Just like other negative records, XXXX XXXX XXXX should be scheduled to be automatically removed, or purged, from our credit reports after a specific time-period. 
Furthermore, for a XXXX XXXX XXXX case, the time frame is seven years after you file for bankruptcy. That means you can expect the record to be removed from your credit reports at the seven-year mark without any effort on your part. My bankruptcy was actually dismissed on XX/XX/XXXX XXXX XXXX 
Ive already challenged this with XXXX and, thankfully they recently removed this item. 
Please delete this item ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you in advance for your assistance with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
This company is trying to collect a debt that was NOT validated upon request by XXXX. 
XXXX then sold the " uncollectable '' debt to this collector. By virtue of laws and statutes, the failed validation by XXXX carries for the debt itself, and is DOES NOT become collectable because is was sold or purchased by a third party debt collector. The debt is still uncollectable, may not be reported, and is no longer subject to litigation by Federal laws. This company has been noticed and given 72 hours to remove any and all derogatory information from reported trade lines. failure to do so will lead to litigation by myself, the claimant, against the collector and XXXX. 

Under the guidelines and Federal laws supporting validation of debts, and the companies failure to meet the standards, I demand the derogatory information be removed with prejudice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paramount GR Holdings, LLC
State: WA

Complaint narrative:
On XXXX XXXX I was told the heating system was {$150.00} a month for 15 months same as cash Then on XX/XX/XXXX I received a bill for {$29000.00} but I have never applied for a loan and have yet to see any paperwork that Ive filled out for a loan or signed and the system that is in my home, still does not work. I have no heat. The system has not passed final inspection. I refuse to let them back in my home because they wanted to put another hole in my roof. They said they made a mistake the first time. I would just like to see them come and get their system out of my home and cancel the loan agreement that I never applied for this all started for XX/XX/XXXX and have been trying every since to get out of this mess

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I made a purchase on XXXX using Affirm on XX/XX/XXXX for a mini computer and a blanket. I experienced issues with XXXX with this order and XXXX fully refunded the order on XX/XX/XXXX. The loan shows as having been obtained on XX/XX/XXXX, so the order was fully refunded before the loan was even fully processed. 

The order total from XXXX was {$400.00}, and Affirm required a {$100.00} down payment. I noticed in the loan agreement that Affirm actually financed a purchase amount of XXXX for a loan amount of XXXX. They are currently insisting I owe {$100.00} after professing the refund on their end. The math here does not make sense to me. 

I reached out to address the discrepancy and received a letter confirming the above. I obviously disagree that I owe anything on this loan because the purchase was fully refunded. 

I contacted their customer service help desk on XX/XX/XXXX to address my concerns and have the situation resolved. The matter is still not concluded because their representatives continue to rely on canned responses and apparently have not been reviewing the support Ive provided and the clarification Ive provided. The most recent clue that something inappropriate could be happening here is that a rep wrote me somewhat more recently that the remaining balance is actually connected to a completely different, separate loan & purchase. They didnt explain how this is possible and I certainly did not communicate that I wanted my loans adjusted in this way. 

I want Affirm to fix this. I believe they should adjust the amounts to accurately reflect the transactions that actually took place, and acknowledge that a fully refunded order means the loan must be cancelled or deemed fulfilled or whatever terminology ultimately means that Im not paying a loan for an order that essentially no longer exists. I also think Affirm should be discouraged from whatever practices led to all of this mess in the first place ; this feels predatory and intentional.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a fraudulent transaction for {$22000.00} on my credit card, which I later learned from Chase was a watch from the vendor XXXX ( XXXX ). I reported this transaction immediately, and my card number, ending in XXXX, was canceled- also, my XXXX account was bombarded by newsletters from all over the world. Scammers do this to prevent the user from noticing alert emails. I received a text message from Chase, where they stated the transaction was declined. 

According to XXXX, a replacement card ( ending in XXXX ) was issued and sent to my home address in XXXX XXXX, NY, on XX/XX/XXXX. On XX/XX/XXXX, I noticed a suspicious transaction in my credit card activity. I called Chase immediately to report this again, and as I was talking to their team over the phone, a fraudulent transaction was being executed in XXXX for {$250.00}. That card was canceled again, and a third card was sent to my home ( XXXX ), which I received. 

The Chase team told me that the XXXX card was delivered, according to a XXXX proof of delivery, to my XXXX home on XX/XX/XXXX at XXXX XXXX, and it was being used in XXXX, GA, the next day. I have cameras at home, and that card was never delivered- it was stolen and not from my mail. In the end, XXXX transactions for {$360.00} were done with that credit card - all of them reported to Chase in a timely manner and removed. When you check the delivery details, it says it was delivered to XXXX, NY- not my house in XXXX XXXX, NY. 

On XX/XX/XXXX, all the transactions, a total of {$23000.00}, were re-billed to my Chase credit card. Chase is saying that I received the benefit for all of these transactions. The merchant, XXXX, is showing proof of delivery to my house, which never happened. My signature is not a match to any occupant of my home. It is important to mention that the proof of delivery of both packages is dated on the same day with a two-minute difference. As for the credit card XXXX  delivery, when you check the details of the delivery, it says it was delivered to XXXX, NY- not my house, which is in XXXX XXXX, NY. 


As a consumer, I did everything in my hand to stop this fraud, reporting everything in a timely manner and still being charged {$23000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
So, this account transitioned from Dell Financial Services to Comenity Bank three months ago. On my credit report, I see this card been reported twice. I have contacted both Dell Financial Services and Comenity Bank by phne or email. Both says that there is not there doing reporting twice the same account, but the problem persists. 

In been reported twice, it is affecting the debt to income ratio.

Company response to consumer: Closed with non-monetary relief