vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: WA

Complaint narrative:
To whomever it may concern, With complaint is directed towards Banco Popular de Puerto Rico ( license from XXXX XXXX XXXX ) I had conversation on the phone with a few representatives and the outcome of that conversation was bazar as they can actually help anyone. They have to talk to the higher ups and you'll receive a letter in the mail with a response??!! 

Another year has passed and with Covid-19, it is not possible to travel, so I am unable to use my XXXX XXXX ( airline miles ) card as it was intended to be used. Travel is not possible right now with the pandemic, so i called to either cancel the card or have the annual fee waived for another year to give the world situation a chance to create a better travel environment. I was told that I am stuck paying the annual fee ( which had already been charged XXXX. I feel this is unfair as I have already paid the initial annual fee when I opened this card up, and with the inability to use XXXX because of COVID-19, I feel I do not need to pay another annual fee as I can not use the perks the card is intended to be used for. Just cancel the card and will be on my way. 

With that said, I would like the annual fee of {$140.00} to be waived as it is posted to my account as of right now, so i can cancel this card. When I reach out to the company they say they have no power I can not talk to anyone with this sort of power ... that I will just get a letter in the mail. It so unprofessional to not be able to talk to someone that can fix this problem. 

Thank you for your time,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
I received an email stating i was guaranteed a loan with reasonable monthly payments with monthly installments up to 12 months I applied was told i was approved for the amount of {$1200.00} Gave them the info needed for the deposit and that monthly payments would be withdrawn On the XXXX of every month This was in XXXX I never received any paperwork of any kind In XXXX they withdrew {$590.00} from my account I was taken back by the amount withdrawn I called XXXX at XXXX XXXX And questioned them about the amount withrawn i said it seemed high and was rhat what they were going to charge me every month for a year? 
They said yes I adked what ratevof interest were rhey charging snswwer 450 % Unbelievable! 
Is that legal? 
They said if i wanted i can pay it off early and all i had to do was pay {$1700.00} I have paid them monthly but i am on social security I cant afford this I have paid the amount borrowed almost three times over already I believe what they are doing is illegal there should be a limit on interest i need you help I have called them again And received the same response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: TX

Complaint narrative:
I've tried to correct this matter with reporting agency and have been denied of my rights numerous times. After initial communication on XX/XX/2021 of inaccurately information on my credit report. Company failed to even investigate. Stated Company reporting the information has made known over recorded lines that they did not receive permissible purpose or consent or nor did they investigate before hand of reporting information to my consumer report. I've recorded lines I have made it known to the reporting agency of the facts herein. Reporting agency refuses to remove these accounts from my report causing me stress and ultimately the right to extend credit as this is impacting and hurting my credit file during verification from lender 's. I have record of duration of calls and screen shots of account reporting to my credit file inaccurately without permissible purpose or consent. Holding company at fault for civil liability. 
I spoke with supervisor by the name of XXXX ( i.d # XXXX ) and also advised him of the injury stated company was causing me and the possible violations due to injuries. 
FTC HAS BEEN FILED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: NC

Complaint narrative:
I keep calling and I cant get anyone to help me. Im unable to access anything online such as file disputes, manage fraud alerts and credit freezes. Every time I call they tell me I need to speak to a certain department and that they will contact me within 3 business days but no one will ever cal me back. Ive been getting the run around for two months.

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 2021-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Earm LLC
State: CA

Complaint narrative:
This company has called me every day for the last week I've called every day right after and explained to them that I am not the owner of the set in and not in contact with the owner of this debt. I've also explained to them my wishes to be removed from this list. This was confirmed every single day but the following day I was called again. Today I called and before I could even respond I was called a XXXX, a XXXX and the caller refused to give me their information so that I can report it here he stood on the call mocking me calling me XXXX and XXXX over and over. This behavior is unwarranted as I am not the responsible party for this owner I'm not in contact with the responsible party for this debt. I was confirmed each time I called that my number would be removed it has not happened I do not wish to be subjected to any kind of bullish behavior for it that I don't owe. I spoke to Miss XXXX yesterday She confirmed that my information was noted to be removed but not taken off She removed it yesterday but today I was contacted again and called a XXXX and a XXXX. 

I I explained to the young man that I was recording all of this as it was exceedingly unprofessional rude and a bit threatening. The young man acknowledged the recording I have this for proof if needed

Company response to consumer: Untimely response
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XXXX XX/XX/2021 I initiated an instant transfer in the amount of XXXX dollars using XXXX from my XXXX checking account to my Chase checking account. Moments later I received a message acknowledging receipt of the funds from Chase and shortly thereafter the funds were shown as available in my Chase mobile app. 

The funds were also shown as available the following day, XXXX XX/XX/2021. On Wednesday, XXXX XX/XX/2021 I went to check my Chase checking account via the mobile app and noticed that my checking account was no longer showing in the app. I assumed this was some sort of error with the app but contacted Chase 's customer service department to be sure.

They informed me that the account had been closed due to lack of activity and that this was effective XXXX XX/XX/2021. I asked how this was possible since I had only 2 days prior made a deposit to that account. What follows was a tremendous run around. By the end I had been assured by no less than two separate representatives that the funds were currently being returned to the sending account, and that they would be available no later than the close of business that day, XXXX XXXX. 

The close of business came and went with out the funds showing up. As a courtesy I waited an additional 24 hours to see if the funds would appear. That time also came and went. On the morning of XXXX XX/XX/2021 I again contacted there customer service department. Again I was giving a very lengthy explanation as to why this banking institution had unilaterally, and absent any due process or prior communication, decided to close my account thereby revoking access to the funds which I had entrusted with them as a deposit. However the representative also stated the funds were currently " en route '' to the sending account and would be available by close of business. 

Out of an abundance of caution I reached out to the customer service team at XXXX to see if they could verify that there was a pending transfer of funds. They informed me not only that there was no pending receipt of funds from Chase bank but also verified that the funds had been successfully sent to and received by Chase bank. This is in stark contrast to Chase previous claim that the transfer was rejected and would be sent back. As of today the XXXX dollars that was in my Chase account is still nowhere to be found. 

This Tuesday morning I will be filing suit with my local small claims court for the return of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I have a Upgrade card line of credit # XXXX and the other day I tried to make a purchase only to receive a letter that I was not able to make a draw because they were not able to verify my identification. I am really concerned because I submitted the documents including a picture of myself and my Identification along with verification to my bank and income verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint on my own behalf, and there is no third party involved. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. Pursuant to 15usc 1602 ( l ) : A " credit card '' means " any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ''. Notice that Congress said ANY card. The " Credit Card '' that I used to Originate a Consumer Credit Transaction with CitiBank was my Social Security Number, as I am the Original Creditor- not them. I am demanding that these fraudulent claims that CitiBank is making in regards to me " owing a debt '' and them " validating that the debt is mine '' be investigated immediately and that these fraudulent charges be removed, as well as removed from my Credit report- pursuant to 15usc 1681a ( 2 ) ( B ). CitiBank is claiming to be the Original Creditor in this Consumer Credit Transaction, yet can not provide me with validation of the debt NOR the name & address of the Original Creditor. This is Identity Theft and Fraud, and is completely against my rights as a Federally Protected Consumer, under Title 15 Chapter 41.

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 2021-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Braviant Holdings, LLC
State: UT

Complaint narrative:
I noticed an email stating I had applied for a loan and that it was funding the next day to a bank account that I have never had before. The customer service rep said I had to file a police report first before she would just close out the account. I was bothered by that and asked why she can't just close the account out and she wouldn't answer the question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
There are inquiries on Equifax report that I did not consent to. 

Equifax Mortgage Ser Inquiry from XX/XX/2021 XXXX  XXXX Inquiry from XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I closed account immediately because they refuse to give me credit after taking my money for a secure account

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 2021-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
There seems to be a practice among credit card grantors specifically XXXX XXXX  and Comenity Bank in which they appear to be reviewing customers accounts and if their credit score is lower than when they first got approved, the Banks are just closing customers ' accounts and saying it is due to a report received from the credit bureau as if the customer 's credit is bad. I believe this practice is unfair especially if the customer 's account is in good standing with the credit bureaus! like mine!

Within the last 120 days this happen to me twice. ComenityXXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/2021 and just recently XXXX XXXX XX/XX/2021. I just happen to get a credit alert from XXXX XXXX today XX/XX/2021 that my account with XXXX XXXX was closed. I got one on Comenity around XX/XX/2021. When I called to inquire as to why ( same with Comenity ) they refuse to reopen my account.

Both of my accounts were in good standing! I have a 15 page document detailing my interaction with Comenity that I have been dying to share online. With XXXX, I wasn't about to go through what I went through with Comenity. I simply told them I am going to file a complaint and sue them. I'm waiting on the same letter Comenity sent me which I received in the mail 3 weeks after my account was closed, ( See attached Letter and that information was not even correct with what the credit bureaus actually had ) telling me basically after doing a review of my account I was no longer credit worthy! XXXX is going to be sending me, I guarantee you the same bureaucratic letter that Comenity sent me. There was no warning nor notification from Comenity nor XXXX prior to closing my accounts. Creditors closing my account like this is affecting my credit and has caused my score to drop and they don't seem to care. 

THIS HAS TO STOP. They can't just do this to customers. I was about to make a purchase for my grandkids when I learned my accounts were closed. Do you have any idea how embarrassing and heartbreaking that is? And I didn't have another card available at the time to use. 

This will affect my ability to purchase a house and car which I was preparing to do within the next 45-60 days! Creditors closing my accounts looks like I did something wrong or that I am a credit risk! and I am not! 

If this has happened to anyone else, please report it and if you reported it before and nothing was done, report it again. This practice must stop! We must file a class action suit against these banks. These banks are the grantor of almost all the credit cards that are issued in the credit card industry. Go to these links and you will be shocked how many companies issue their credit cards through XXXX  and Comenity ; https : //comenity.com/search? XXXX % XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ; And this is how they treat their customers? It shouldn't be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hey on XX/XX/21 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 56 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 56 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I was the victim of identity theft. I reported it to the police. My PayPal account was used to send cash advances, using the linked PayPal credit account I have. I paid off a full balance of over {$10000.00} in XXXX of 2020. These were charges made by me. 

In XX/XX/2020, approximately {$8000.00} dollars was transferred to a person I can not confirm as a cash advance. I did not report this issue right away, because I was dealing with additional issues relating to the Identity Theft. I believe someone was using a compromised bank account with XXXX, which has been since closed. 

I can not verify where this money was sent, how it was withdrawn, if I know the person involved, as paypal does not give me access to this information. 

I had numerous accounts opened with compromised personal and XXXX  information. 

I can not verify if any of the transfer were mine. 

I have continued to pay the minimum payments on a account I paid off in full. 

PayPal does not seem to want to help, and I was told I can not speak to their back office to further inquire about the citation. 

I am now paying a back a large sum of money, that I can not verify i am responsible for. In addition I can not make a legitimate purchase of my own. 

I was physically unable to make transactions during this time, as I was in the Hospital, which is why I am questioning this situation and my liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: NV

Complaint narrative:
On the following dates below these companies ran my credit without my authorization. I have written a letter to all 3 credit bureaus to have removed and reached out to the companies in question. None of the 3 credit bureaus or creditors have responded to my request to provide proof that I authorized them to run my credit. 

- CREDCO/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX  : XX/XX/XXXX - XXXX 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 2021-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
after reviewing my credit report I sent a dispute letter to Transunion, XXXX  and XXXX  on the inconsistent accounts and inaccurate information account XXXX  XXXX this account status, date opened, last reported, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) account XXXX XXXX XXXX XXXXthis account status, no. of months terms, last reporting date, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$230.00} ) account XXXX XXXX XXXX  XXXXthis account number, date opened, last reporting date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$280.00} ) account XXXX  XXXX XXXX XXXXthis account date opened, last reported date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$100.00} ) account XXXXXXXX XXXXXXXX this account status, date opened, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$50000.00} ) account XXXX XXXX XXXX this account number, account status, date opened, no. of months term, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) these accounts are furnished by the same creditor so why are these account reporting differently? it is your duty to ensure that all information reported consistent and most importantly accurate and you have failed to do so. please deleted this erroneous items immediately.

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