vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I was buying concert tickets. Was in conversation with women who said she would send tickets through ticketing website. I sent funds never received tickets and now have been blocked. This happened on XX/XX/2022. I sent {$150.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: EdFinancial Services
State: OK

Complaint narrative:
On Tuesday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in payments. 

It appears Edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and Edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So, seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: CITIBANK, N.A.
State: NC

Complaint narrative:
MACYS/CITIBANK, N.A. did Hard Inquiries on XX/XX/2022 without my notice

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 2022-09-12 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have two private student loans that have been settled in full with Navient who continue to inaccurately report their balance and status. I had two Navient private loans go to one of their own collection agencies, XXXX XXXX XXXX. I settled this debt in full for both accounts. Navient still reports one account as open, both as still having a balance, and also have reported new late payments after the account was already settled in full. 

Both accounts were settled on XX/XX/2022. 

Both accounts settled in full with lender/collection agency letter verifying accounts settled in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Previous complaint in file with Comenity/Victoria Secret . Issue not resolved and creditor continues to bill with late fees and interest on a closed account. Extremely predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
XX/XX/2022 XXXX - XXXX ( XXXX XXXX  ) Venture XXXX Capital One Card, down grade to avoid the annual membership fee I called today to avert the annual fee of {$95.00} the original customer service transfer me to retention department. The retention customer service name was XXXX XXXX Emp. ID XXXX - provide by her superior ). 

XXXX told me I could down grade - although they call it upgrade. To a card earns 1.25 miles per every dollar instead of earning 2 miles per every dollar now. This could avoid the annual fee. After simple disclosure she stated I will receive my card in the mails. As we are near end I told her what about the {$95.00} dollar just posted which prompted my phone call. She then tells me she can't waive that fee. I told her why would I pay the fee then down grade myself? The whole purpose of the my phone call was to avoid this fee. If your intent to still charge the fee it defeat the purpose of the down grade. Then she tells me there is no way for her to waive the fee nor she could reverse the action of the down grade. 
She mentioned, all the details of the new card will be mailed yet she stated she satisfied her obligation explaning the details. It seems she didn't care if I closed the account and she was supposed to be in retention department. 

I requested to talk to her supervisor then she transfer me to XXXX-Emp ID XXXX from XXXX, Virginia. 
When I tried to explained the situation. The supervisor was indifferent and stated the same thing saying I am stuck with {$95.00} annual membership but still stuck with the down grade. She stated there is nothing she could do and seems eager to assist me to cancel my card. When I raised the issue about my existing point she tried to explain deeply discounted rate where I would be disadvantaged if I were to cash in unused XXXX points. It would worth over {$550.00} but wanting to give half of that amount in credt. 

I think I was being prejudiced because I had strong accent. I clearly, I explained why I wanted to down grade to avoid fee. And solution was down grade to no fee card. The supervisor indicated that's what other customer service did for me. 
But I told her whole purpose was to waive or get rid of this renewal fee that was charged. 

I would like to complaint there was inadequatly explanation of terms and condition of down grade. And misled waiving the fee for down grade. Once this was done blaming Capital One system not able to reverse the action nor making simple remedy to waive or credit the fee. It seems customer service are blaming the customer for inadequate understanding and same time blaming their system that they can't do nothing for the customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12 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: IL

Complaint narrative:
I have sent documents to all 3 credit bureaus that were notarized demand letters, and they did not comply with the 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 2022-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I sent {$25.00} to my relative in XXXX as birthday present through PayPal on XX/XX/2022. My relative 's bank is XXXX XXXX in XXXX, XXXX, XXXX. I called PayPal because the money was not posted to my relative 's account. She contacted the bank and they claim they do not do business with PayPal. 
I asked PayPal to stop the payment and refund the {$25.00} to my account. PayPal is asking me to verify my tax status in order to keep conversation going. The funds were taken from my personal checking account. I do not know why PayPal continues to request my tax status information. 
Furthermore, PayPal claims the transaction was completed and they can not do anything about it. 
I think PayPal should let U.S. customers know what is required to successfully transfer funds to an individual abroad. They need to disclose any fees upfront. None of this information was given to me. I need help with recuperating a refund for {$25.00} that is sitting in limbo. XXXX XXXX XXXX, email : XXXX did not receive the money from her bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIRST MERCHANTS CORPORATION
State: IN

Complaint narrative:
XX/XX/2022 I was selling a telescope on XXXX XXXX. XXXX XXXX messaged me and said he would buy if I would ship and pay using XXXX. I never heard of XXXX, so I told him I would have to check if my bank offered it. My banks XXXX page says " First Merchants has partnered with XXXX to bring you fast, safe and easy way to send money to family and friends, even if they aren't a First Merchants Bank customer. They only need to have a XXXX, XXXX  account. '' Instructions said to logon with my phone app and select the " + '' a bottom of page to setup XXXX. There were no warnings or fine print that I needed to agree to. I assumed if the other person had a XXXX XXXX  account. they had to be a confirmed customer. XXXX said he was sending me {$1100.00}, but I then received a spoofed email from XXXX say I needed to upgrade to a business account with {$1500.00}. XXXX said he would send {$1500.00} if I would send {$400.00} back. In the process I sent {$400.00}, but never received the {$1500.00}. While waiting for my {$1500.00}, I researched online and found out I had been scammed. I contacted my bank within 10 hours and told them of the scam. Thay said I could not dispute it until it cleared. The next day it cleared and I disputed it and the bank said it would take 10 days. After they investigated it, they denied my claim saying it was my error and they are not responsible. I have emailed customer service back and forth, but they refuse to refund my {$400.00} even though it was fraud. They could have stop it while in process, even not Regulation E should cover such a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: SC

Complaint narrative:
Credit Karma e-mailed me on 3 separate occasions telling me that my approvals odds were excellent for getting a personal loan and a new credit card. I applied to 3 different places for a personal loan that they recommended and said I had outstanding approval odds and got denied by all 3. I also applied to a credit card that they said I had outstanding approval odds for and again got denied. This has affected my credit score to drop because of them lying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2022, I paid off my credit card IN FULL. On XX/XX/2022, I received a {$4.00} interest charge on a XXXX balance. That is not how residual interest works. I took action and used the Bank of America app helpline and the automated system prompted me to call them and they gave me a number that led to NOWHERE three different times. Finally I got a different number for their credit card customer service line from XXXX and was put on hold for almost an hour. I am incredibly frustrated that this led to nowhere and it has only added more stress to my life and wasted my time. You can not let businesses get away with this. Its not about the amount they charged me, this is about principle. They are at fault for wrongfully charging interest on a XXXX balance, and even worse, they dont even have enough resources to resolve this in a timely manner for their customers. A multi-billion dollar financial institution! Why do we even keep our money 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 monetary relief
Consumer complaint received 2022-09-12 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 3. Unverified Inquiry XXXX XXXX Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 4. Unverified Inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 8. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Unverified Inquiry XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 2. Unverified Inquiry XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 3. Unverified Inquiry XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 4. Unverified Inquiry XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. Unverified Inquiry XXXX XXXX XXXX of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. US DEPT ED Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 11. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX, CO 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 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have tried disputing with these companies regarding my accounts. They don't wan na get them off. Can't get a house or car. Need 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 non-monetary relief
Consumer complaint received 2022-09-12 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: CA

Complaint narrative:
Someone has stolen my identity and placed 10 hard inquiries on my credit report. The credit bureau will not remove them. 

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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 2022-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Disputing a Charge for Bad Service at CareCredit SYNCHRONY BANK. Charge of {$740.00} on the date of XX/XX/XXXX plus fees getting in a total of {$1200.00} on XX/XX/XXXX. 
I called many times. I disputed the charge and the service many times. 
I already complained at creditcare many times about what happened. But all I had to deal with were some inappropriate questions, for example, if I tried to return the service? What? That is even a question for who got a service and not a product? Who returns services? I had to ask many times if the attendant remembered we were talking about a dentist service and not about a product. 
The questions kept on this level, like, did you use the service? 
I had to use a lot of my patience with these questions. 
The person was completely ignoring how I was treated at the dentist, how I didn't like what happened, and how the office was anti ethic and unprofessional. 
I went to this dentist for a {$39.00} service ( now day {$59.00} ). 
These back and forth calls wasted so much time of my life. 
Today I did my last call. I was on call for 45 minutes and I still didn't get any solution. All they did was trying to make me uncomfortable, keeping me in long holds, and embaracing me calling me delinquent. I am so tired and frustrated.

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 2022-09-12 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: EQUIFAX, INC.
State: MA

Complaint narrative:
So i sent a letter off on XXXX XXXX. Here is my tracking numbers : Equifax : XXXX XXXX : XXXX XXXX  : XXXX To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My mortgage loan and purchase contract is going to a breach because Equifax decided to put a fraud alert with a decades old number on my credit file. All alerts were removed and my personal information updated when I started this mortgage process. Of the 3 bureaus this incorrect information only reappeared on Equifax. Depsite overnighting the written request and ID to remove the friUd alert and update the telephone number to XXXX Equifax continues to loop me around when I try to call in

Company response to consumer: Closed with explanation