vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 an 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 orAny 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 of 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 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Prosper Marketplace, Inc.
State: MD

Complaint narrative:
I initiated a balance transfer with my XXXX credit card to transfer from my Prosper credit card to the XXXX card in XX/XX/XXXX. The transfer posted to my XXXX card XX/XX/XXXX and was advised to allow 8 days for everything to reflect on my Prosper account balance. I emailed Prosper services on XXXX to confirm that they received the balance transfer initiation from XXXX and get an estimate of when my balance would reflect the deduction. I still have not heard back from Prosper regarding my inquiry. 
Called several times to have reps say they dont have anything in their system showing a pending balance transfer. Finally call back today XX/XX/XXXX to have them say the same thing. I did not accept that response and asked more questions because now it appears I have more credit card than I actually do which in turn also results in lower credit ratings. The reps inform me that although they dont see a balance transfer request, they dont allow transferring balances to other cards. Shock to me as Ive read through my terms and conditions more than once and nothing states they dont allow balance transfers. She insisted that its showing in her terms and she cant help me any further. Prosper has many shady financial and reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I bought a car Mercedes Benz XXXX XXXX XXXX from Mercedes Benz of XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) on XXXX XXXX. In the process of buying the car, I purchase the following : - 1. GAP insurance {$1000.00} 2. Mercedes Benz maintenance {$2800.00} 3. Mercedes Benz Tire and Wheel {$2400.00} 4. Mercedes Benz Extended Limited warranty {$5700.00} 5. Mercedes Benz Windshield protection {$1100.00} 6. Total of {$13000.00} of extra service On XXXX XXXX The car was involved in an accident which is 100 % could of the other party and my car was totaled, I went and file the cancellation of the extra service and requested a refund however I am still waiting for the refund and haven't received any money that I have paid. Please advise if you can resolve this issue Best regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Dear COMENITYBANK/VICTORIASSECRET ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2022 during the time i was XXXXXXXX XXXX XXXXXXXX. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, and being XXXXXXXX XXXX XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me. Ive communicated these scenarios several times with your banking institution representatives and over the phone on several occasions and the answer was that late payments would never be removed from my account, I tried to explain my situation to continue being a LOYAL client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am the author of this complaint and the attached letters associated with this complaint I recently checked my credit report and I noticed that I had numerous inaccuracies and unauthorized inquiries I tried reaching out to the credit reporting agency but they did not fix the issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 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: NJ

Complaint narrative:
Below the following inquiries were pulled without my knowledge : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Below the following inquiries were pulled without my knowledge : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC BANK phone number # XXXX The bank is charging fees on usage with debit cards while the company reduces the amount of branches therefore forcing clients to access funds from debit machines and charging customers and making it inconvenient. Also, recently the debit card I was issued is not working properly ( 30 % of the time the card worked ) When I requested a new card I was assured my card would still work until the new card arrives. But the company put my card on hold until the new card arrives causing financial hardship not accessing my funds. After repeated attempts XX/XX/23 of calling in. I was constantly sent to other departments that were not able to help. The 2nd attempt with the customer service rep said the dept. that handles this is busy and I can't be helped, when I asked to have a supervisor get on the phone I was again transferred to a different department that couldn't help to avoid the transfer to the supervisor. I have contacted for the 3rd final time to get a supervisor, and the female service agent got me in touch with her supervisor ( XXXX XXXX who did nothing to resolve the issue and said she is not able to help me and again that she would have to transfer me. She said my card was not on hold that it's another issue making it more confusing and not explaining the reason. As i asked her why when I put my card and pin in the PNC debit machine that it did show my account but not let me access my cash. I told her I also tried to use my card with a purchase and was also declined. I told her this needs to be resolved before the weekend to access my money as there call center is terrible on the weekends. I explained to her this is unacceptable to contact them and have the issue resolved and she said that's not how it works. I told her to have someone fix it and call me back and nothing has been done. I am still unable to use my card. The mismanagement starts from the top all the way down to the service agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted Experian and have not received a response regarding inaccuracies on 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 2023-02-10 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: NY

Complaint narrative:
I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX : XXXX... 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX : XXXX... 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I opened a small business account with Pay Pal in XX/XX/2022 and they have put a hold on my money ( {$10000.00} ) and are holding it hostage. They will not allow me to transfer any of my money to my linked bank account. I have a business to run and need the revenue. 

They never mentioned that there will be limit of any currency over {$2600.00} and that they would hold for 30 days and only release portions of it every 30 days. These are all credit card transactions that have already cleared with our various customers. So in reality they there is no reasoner for them to hold it. It could take up to 6 months for me to receive my total {$10000.00}. 

I have tried to resolve and they denied me. 

The person who helped me set up the account and works for Pay Pal is XXXX XXXX ( XXXX ) XXXX XXXX. He has also tried to help me get my money but unfortunately was unsuccessful with the higher ups. 

Please Help! 

Thank You! 

The Business is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had a mortgage through Wells fargo that I had in the early XXXX 's, when the economic downturn happend in XXXX I called Wells fargo to try to modify my loan to keep my home, they advised me that I had to miss mortgage payments before they would look into a modification for me, I followed their advise and over the next year or more I would continue to contact them and try to work on a modification, they continually denied me becasue I was and still am a commissioned employee same job as when I secured the loan, thei went on for some years, finally in XXXX I was able to short sale the house but for all those years of working with Wells fargo I lost enormous amounts of money including my original XXXX down payment, affects to my credit, affects to my marriage, losing my home, and draining my savings. I thought I would be included in the class action lawsuits that came about recently with Wells fargo specifically named, I called them to confirm and they said I was not included in it. I feel like my situation was exactly what those lawsuits were about, Wells fargo advised me to act and I did what they said, constantly sending them documentation, and being constantly denied in the process. Please let me know if there is any guidance or information I can do to have this wrong righted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX Care Credit Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX RE XXXX XXXX XXXX XXXX HAIR LOSS EXPERT Credit my account with {$2200.00}. This is fraud. I do not care what they are saying. I have used your credit card in the past for my dental with no problems. The customer is always right and should be respected. 

The process is unfair. It is also unclear. I made one appointment on Thursday, XX/XX/2022. When I left the office, a day later I noticed the office generated a host of appointments for the entire fees charged. Without even consulting me and my schedule. XXXX. 

My Care Credit account was charged the full amount of {$4000.00}. XXXX consultation. XXXX me {$2200.00} after credit. No treatment just appointments. It was mentioned the products. 

The cancellation policy was not stated in the beginning. It is not included in the initial paperwork. I have attached the original document. The appointments were in the XXXX. I have included in the attachment. 

My current balance is {$3400.00} of that I only owe {$1100.00}. The {$2200.00} is still XXXX XXXX responsibility. I have been so disappointed with this situation. I have place Care Credit out of my thoughts. I have worked hard to maintain my credit. As a result, I have incurred late fees. 

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 explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I placed calls to XXXX XXXX and Equifax trying to obtain help in removing certain inquiries that I had not authorized. The unwillingness to assist in removing bad or erroneous information by the staff members was nothing short of deplorable. Also, these hard inquiries have caused damage to my being able to obtain certain things.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XX/XX/2023 at approximately XXXXXXXX PST, I received an email from Experian about a change to my account. It stated that a vehicle was added and that this was NOT a marketing email. I logged into the Experian dashboard which led me to the " XXXX '' products section and confirmed a XXXX was added to my account. I clicked the " manage '' button to remove the vehicle. 

I called support the next day ( today, XX/XX/2023 at XXXXXXXX PST ) and asked why that was added to my account ( worried it was fraud ). Support told me it was just a marketing email, however, the email specifically says its NOT a marketing email but an actual account change. Support refused to help me remove it on their alerts system and said " someone will contact you about it but there is no ETA ''. I asked to speak to the dispute department where I was next transferred to. 

Dispute department said since it's auto related, they can't help and only member services can. So she routed me back to the member services team. Member services said it was a new product that experian was promoting by trying to alert certain customers, so that they can generate product costs and see if we were ultimately interested. I asked why they would intentionally and unlawfully add a vehicle to my account and claim its a marketing email, when the email specifically states its not marketing. She had no response and said they would try to remove the car from my alerts and account. 

Experian is intentionally manipulating and adding false information to my account in order to trick me into buying products from them and claiming its not actually happening ( gaslighting ). This is absolutely unacceptable on top of illegal and I believe they are sharing my info to third party businesses to rope me into their unethical and illegal sale tactics. Please 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 explanation
Consumer complaint received 2023-02-10 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: FL

Complaint narrative:
in accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my right.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: FL

Complaint narrative:
in accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my right.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation