vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I would like to file a complaint against Target XXXX for two issues, not applying payments fast enough and processing auto payments for the account balance yet I have specified to pay off the Statement Balance only.

I have had this issue with Target for years and I've raised the issue with them, but nothing has changed and nothing will change, but it's unfair for them to take money out of my Bank account right away, but I have to wait for over two weeks for my available credit to be updated. 

For example, in the most recent incident, I had a statement balance of {$1500.00} that was due XX/XX/XXXX. On XX/XX/XXXX, I paid {$1200.00} towards my Statement balance, Target took out the funds out of my account right away on XX/XX/XXXX, however my available credit wasn't updated until XX/XX/XXXX or XXXX. And this has always been the case, where they take the money out of my account right away, but the payment is not applied fast enough and I have to wait for over two weeks to be able to use the credit.

Another issue I've had with my Target Credit Card is although I have specified that I want to pay off my Statement Balance monthly, if I make any payments towards the Statement Balance they then draft whatever my account balance is on the payment due date instead of the balance that's remaining on my Statement Balance. 

For example on XX/XX/XXXX, instead of them taking out the {$270.00} that was left of my XXXX XXXX, they took out {$420.00}, which was my full account balance, including balances incurred after the statement cutoff date. I was furious and called them & the explanation I was given is that if one is on auto pay & they make any payments towards their balance prior to the due date, then their system will automatically take out the full account balance. 
This is unacceptable and UNFAIR as I have asked to pay my Statement Balance only and not my full account balance. I asked Target to only keep {$270.00} that was what was due XX/XX/XXXX & refund the difference of {$140.00} as that amount is not due until XX/XX/XXXX. I was told they couldn't put the funds back into my account and that they will send me a check in the mail in about 10 days, and I was okay with that. 

However, I just logged into my Account today and discovered that what Target has done instead is reverse the entire {$420.00} payment they took out on XX/XX/XXXX. I will be LIVID if they charge me any interest or fees for the {$270.00} that was the remaining Statement Balance and due by XX/XX/XXXX. This is too much and Target hasn't been much help at all. I should be able to pay money towards my monthly statement balances without being punished or inconvenienced, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute a number of errors, discrepancies, and unfamiliar accounts that have recently surfaced on my credit report. Upon a thorough review of the information provided by your agency, I have identified several inaccuracies that require immediate attention.

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 2024-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I requested PayPal refund the {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX deposited to the " XXXX '' PayPal account on XX/XX/23. PayPal 's refund policy indicated there would be no charge for the refund. Instead of refunding the deposited money sitting in the PayPal account, PayPal withdrew money for the refund from the connected XXXX XXXX  account on XX/XX/23 and charged a {$280.00} fee. The XXXX deposit was not for a service provided to XXXX. It was a transfer of funds XXXX was holding for me. I contacted PayPal customer service and they refused to give back the fee. 

Since I did not accept the funds from XXXX which are still sitting in the PayPal account and did not authorize the withdrawal of money from the XXXX Bank account, PayPal should not have charged a fee. Furthermore, because the transaction from XXXX to the PayPal account is not associated with a good or service, no fee should have been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
CAVALRY PORTFOLIO SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX I SEND THE THIS .Be advised this is not a refusal to pay.But a notice sent pursuant to the FAIR DEBT COLLECTION Act,15 USC 1692g stating your claim is disputed and validation is requested this is NOT a request for 'verification ' or proof of mailing address BUT a request FOR VALIDATION MADE XXXX THE ABOVE- NAME TITLE AND SECTION.I REQUEST YOUR OFFICE TOO PROVIDE ME WITH COMPETENT EVIDENCE THAT I HAVE ANY LEGAL OBLIGATIONS TO PAY YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against CAINE & WEINER or egregious violations of my consumer rights, as protected by the Consumer Financial Act. It has come to my attention that CAINE & WEINER placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with CAINE & WEINER, including txt messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that CAINE & WEINER provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If CAINE & WEINER is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with CAINE & WEINER is blatantly false. I neither received any services or products from CAINE & WEINER nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 

Moreover, it has come to my attention that CAINE & WEINER is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. 

The actions of CAINE & WEINER constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ,12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 

Please keep me informed about the progress of this complaint, and I appreciate you attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: IL

Complaint narrative:
Upon reviewing my three credit reports recently, I observed that XXXX and Equifax are still indicating a collection account that I have no recollection of applying for. Fortunately, XXXX has addressed this issue and removed the collection from my credit report. After contacting XXXX and Equifax I was met with push-back even though I expressed the collection in question did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: Open Dealer Exchange, LLC
State: AZ

Complaint narrative:
MY CREDIT WAS RAN ON XX/XX/2023, I DID NOT AUTHORIZE FOR MY CREDIT TO BE RAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I HAVE INQUIRIES ON MY CREDIT REPORT I DID NOT AUTHORIZED MOST OF THEM ARE ON HE SAME DATE XX/XX/XXXX  LIKE THEM REMOVED PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I HAVE INQUIRIES ON MY CREDIT REPORT I DID NOT AUTHORIZED MOST OF THEM ARE ON HE SAME DATE XX/XX/year>XXXX  LIKE THEM REMOVED PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Asset Recovery Bureau LLC
State: TX

Complaint narrative:
This company called my ex husband and provided him with my contact information. We have not been married for XXXX years and there is a protective order in place. Giving him my phone number gave him the ability to contact me. Ive asked them not to contact anyone outside of myself but can not get a response and can not get them on the phone. 
They should not be giving out my personal information and in fact put me in danger!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was trying to open an checking account with Wells Fargo I currently have no issues with them as of in now they sent me a rejection letter stating that I should check my credit report which I did and It has nothing on it that is suspicious on it that should raise a red flag on all of my reports I also check XXXX XXXX I have no bad checking accounts on file with them I had or any other banks. I had checking account with them in the past when I closed it was in great standing also as far as I'm concerned when applying for a checking account they should not be checking my report I did not volunteer that for that especially if it is checking account that is unethical business practices they can't even gave me a clear reason as in why my checking account application can't not be approved.

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 2024-02-20 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NCA reporting a debt against me that a ) never sent proper notice of my rights and b ) clearly depicts incorrect social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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:
These inquiries was not authorized. 
please remove these inquiries from my report ASAP. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries should not be on my file i am sending a FTC and proof of ID aswell.

The companies are not complying with my request

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 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had some charges coming through that I was doing, someone from the company called to verify with me after sending a text to inquire if I was trying to make said transportation. He access my account once I logged in, he then said he would have to limit the account access so that they couldn't do any more transactions. In reality he locked me out of my account transferred the money I had in my savings and sent himself XXXX. I disputed it several times and have yet to receive my money back but I got the charge he done from XXXXXXXX XXXX returned to me but not my XXXX dollars. They keep acting like their trying to dispute it and send stuff to my email but don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: FL

Complaint narrative:
These inquiries was not authorized. 
please remove these inquiries from my report ASAP. 
Equifax 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries should not be on my file i am sending a FTC and proof of ID aswell.

The companies are not complying with my request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: GA

Complaint narrative:
This account is showing in error. I dont have any debt dated with that balance im asking for a removal of this account asap. As this is a form of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Hello greetings so i settled with the auto loan i have been told different things about when the account status will reflect closed i don't understand what is the hold up i received the settlement letter stating one the transaction post which it did the account will close i need to reflect that status there are other financial things i need to take care.

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 2024-02-20 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: MA

Complaint narrative:
There are unauthorized hard inquiries from list below, I did not apply for their credit cards, and called Experian XX/XX/XXXX to file a dispute, but they ignore my complaint, and the hard inquiries remains. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX - XXXX XX/XX/XXXX Experian 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 explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had disputed a credit account in XXXX regarding a credit card account. The dispute updated the information but the Credit reporting agency continued to report the inaccurate information. I had called them to get access to my online account which continues to be unsuccessful to once again dispute the information that they have verified and updated ( which they confirmed over the phone today XX/XX/XXXX by representative XXXX ). I told them I had already submitted a dispute and their company continued to furnish incorrect data after they did the original dispute in XXXX. They told me they would again try to dispute the information with the furnisher and I told them their company had already disputed this and continued to report inaccurately after the verification occurred and at this point I want the inaccurate information removed. I have bank statements that prove that the information was and is still being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I had a {$5000.00} limit on my credit card on XX/XX/XXXX with out notice they brogth it down to {$2000.00} XXXX call spoke with XXXX difrent people, ask as to why my limit was decrese they could not tell me they keep saying i was getiting a letter as of today XX/XX/XXXX i havent recived a letter. fyi I have XXXX ot more cards and none of them lower my limit only sams credit card. kkep in mind i have never been late or going over the limit.

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