vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have a navy federal checking account. Navy federal offers customers the option to deposit cash funds into a coop network ATM being that I do not live close to any navy federal branch. The nearest navy federal branch is at least XXXX hour and XXXX minutes away from my home. I searched the coop network ATM website for the location most convenient to me. Before I deposited funds of {$100.00} into thXXXX XXXX XXXX I called their customer service today, XX/XX/XXXX at XXXX XXXX and the rep confirmed that my cash deposit would be available immediately in my navy federal account. After depositing the cash funds into the ATM, after about 5 minutes I did not see the funds in my navy federal account. I then called navy federal today, XX/XX/XXXX at XXXX XXXX to speak to a rep and a supervisor to inform them that I did not see the deposit and I was then informed that they saw the cash deposit but there was a 5 day business hold placed on the cash funds. I explained that I was informed by the schoolfirst fcu rep that the cash funds were to be available immediately and also that I deposited the funds to have cash available to deal with an emergency situation. I was not made aware that by using a coop network ATM that there was a potential of cash deposited would be placed on hold. This process has been completely misleading, absolutely inconvenient and traumatizing! The reason for ATM cash deposits is so that funds will be available immediately. Not to be placed on hold like a check deposit! Now to be left with absolutely no money in an emergency situation is unacceptable and outrageous! I was not able to retrieve my funds from schoolfirst fcu. There was no resolve and I am left was an emergency situation that leaves me completely distressed! All of these banks are allowed to treat customers any type of way without any consequence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One sent a grotesquely false email stating I needed to pay a balance and was not able to use my card when I already had paid the balance. This type of casual and cavalier misaccounting of funds is unconscionable and has directly harmed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
My credit card score was close to XXXX and I pay all of my bills on time and have had a 100 % payment history for years. PayPal Credit has a rating of XXXXXXXX XXXX the consumer affairs websiteXXXX XXXX XXXX XXXX  I purchased a product from the XXXX website with PayPal Credit XXXX It never came to my address, but it showed delivered on their end through XXXX. I never received the jacket that I had purchased or a refund. 
I have tried several times to correct this issue opening several cases and contacting XXXX, PayPal Credit, and Synchrony Bank. XXXX never responded to the last messages, and PayPal Credit reimbursed the account for the charge then added the charge back to the account. When asked why, they said over the phone that they readded the charge ( {$280.00} ) because the dispute was for a mischarge rather than an item not received. I handled the mischarge with XXXX without an issue, so I am not sure how that was mishandled. I was reassured by PayPal Credit that I would receive a refund to my account. 
I requested PayPal Credit to lower the credit limit on my account while the issue is still open, as they have been charging me interest on an item that I never received. I asked them to lower the limit to {$300.00}. They lowered it to {$3000.00}. My credit score is now XXXX. My first card I opened had a credit limit of {$750.00} when my credit limit was that low. I would like a refund and the interest taken off of my account, which I owe a - {$60.00} balance on. I had financed some gold rings as an investment that I had purchased on XXXX and had overpaid for the charges. My credit is being extorted and interest is piling up for an item that I never received, and I need to get in contact with a member of congress to help myself and others that are being victimized by PayPal Credit. I have not done business with Paypal, Paypal Credit, or XXXX XXXX and only shop online from vendors I trust and have had several XXXX  cameras installed since this incident has taken place.

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 2024-02-03 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that I had XXXX to XXXX late payments on accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for these accounts, so I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I am demanding these payments be updated to paid as agreed on time, as well as updated in the monthly account history, because I was never late. 

Thank you! Please see the screenshots attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my consumer reports and noticed that I had XXXX to XXXX late payments on accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for these accounts, so I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I am demanding these payments be updated to paid as agreed on time, as well as updated in the monthly account history, because I was never late. 

Thank you! Please see the screenshots attached.

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 2024-02-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed XXXX accounts that was not reporting accurately. I had XXXX late payment on XXXX of my accounts that I was in fact paid on time. The consumer reporting agencies have and need to report all information with complete accuracy.these account has not been late on payments.Ive attached a copy of my credit report to this complaint on the following dates XX/XX/2023 and XXXX XXXXIm now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified. I demand these payments to be updated as paid on time immediately. Thank you for your understanding and prompt action

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 2024-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: CA

Complaint narrative:
I requested a deferment from MOHELA and provided XXXX letters from my physician and my mental health professional at the Department of Veterans Affairs certifying my unemployability due to XXXX. To date, MOHELA never provided me with a decision on my request for deferment. Instead, MOHELA responded with repeated demands for payment by email, robocalls, and collection calls. 

When no decision on my request for deferment was received, I followed up with another letter asking for a decision on my deferment request and asking for the harassment to stop, attaching my first letter along with the accompanying physician and mental health professional notes. 

Several months after my initial request, MOHELA sent me a letter suggesting that I apply for deferment and did not acknowledge my outstanding request for deferment or the letters from my health professionals. It was clear that MOHELA does not intend to actually take action on any requests for deferment but only pretends to provide that option for lenders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: PA

Complaint narrative:
See the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: NY

Complaint narrative:
I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 


XXXX : XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

TransUnion XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XXXX XXXX XXXX XXXX I received via spam email an " Invoice '' purportedly from PayPal. I did not recognize the amount of {$650.00} or the merchant, XXXX XXXX XXXX, a cryptocurrency exchange. I called the number provided on the invoice, and it was quite obvious the number was a call center in XXXX. I could hear in the background numerous people claiming to be " such and such '' company, none of which was PayPal. When the " PayPal representative '' asked for my person information to " verify the account '', I knew it was a scam and hung up. On XX/XX/24 I spent numerous hours on the phone trying to contact PayPal, but the " customer service '' automated system is non-user friendly and convoluted and I was unable to reach a real live breathing human. On XX/XX/24 I sent them a letter explaining the fraud and requested a PDF, via email, be sent to me to make an official report. I also sent my bank a letter regarding this and they are as difficult as PayPal to reach. However, today I did get a number to the fraud department and spoke to a real person. No charges have hit by account and a fraud alert has been set in place. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I believe the person responsible for this is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was advised today, and I am awaiting any follow up that may occur. Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: GA

Complaint narrative:
I reported identity theft and they wont remove anything from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX and Transunion continues to report information they know is incorrect. XXXX XXXX was transferred the contract which does not give them full rights furthermore the contract is the security that is being sued in this credit arrangement which entitles me to equitable relief since it is traded for profit. XXXX XXXX cnnpt produce the ORIGINAL contract or collateral security because they are not entitled to any of it's profits and holding the security without a meeting of the minds violated my contracting right in commerce. Is XXXX XXXX forcing performance? XXXX XXXX is selling this alleged information to Transunion and they are reporting the information to damage my consumer report. All of this is done for profit which makes their investigation biased as they have monetary gain.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance : {$49000.00}.

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 2024-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Business Factors
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX send a bill to debt collector " National Business Factors , Inc '' to intended to collect a bill with incorrect billing coding due to the billing company 's fault. I already attempted to communicate with the billing company several times to request them update the billing in accordance to my medical insurance company 's requirement, but they refuse to correct the error even if it does not change the amount they can receive. 

I should have owned XXXX since my insurance will cover the full amount if they submit the bill in accordance to the insurance company 's claim billing code requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mendelson Law Firm
State: MS

Complaint narrative:
I've already contacted you about this matter with XXXX XXXX I, XXXX and Mendelson Law Firm nothing has been done and I do not have nor ever had any dealings with either company. Both have sent mailings. 

I've never requested any information from them and the letters are saying I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: PA

Complaint narrative:
CashApp wrongfully closed my account and took my money with it this morning, XX/XX/year>. They stated I violated several terms and conditions, I have not. I have been with CashApp for several years, use it all the time for simple purchases and paying friends. This morning they stated I was involved in wrongful CashApp transactions and shut me down for violating their terms. The only things Ive used it for in the past few weeks was to pay one friend, get gas, and get dinner. They took my money that was in the account, that I saw in there THIS MORNING, and then told me I actually had no money and I was lying about that part. They made me submit both a verbal and written appeal to get my account back and only possibly see my money again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: OH

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-02-03 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: OH

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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