vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act convergent Account # XXXX ; XXXX ; XXXX and XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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.

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 2024-04-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ; XXXX ; XXXX and XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: GA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My wife and I have been a customer of American Express for over 50 years. We have had a AE Blue Card since XXXX. Last week XXXX XXXX XXXX XXXXXXXX, I checked online with AE for some information on our card, and I couldn't sign in and was informed to call. When I called, I was told that my card was cancelled last year ( XXXX ) for inactivity. They said I was notified by email several times. I asked about my accumulated points and was informed that we had no points ( close to XXXX were there ). I asked when were the emails sent- I checked my history and found none and they said check spam. I have no spam history as it is always deleted automatically after so many days. I aske to be reinstated and told that it was not possible. I wanted to speak to a supervisor and received a call the XXXX of XXXX. Same story, you were notified and they could do nothing. I asked if they sent a physical mailing ( which I knew we never got one ) and the answer was I think we do. Without notification, a customer of 35 years is just thrown away and having numerous points just thrown out. This is not right and the total points is money promised and lost. Please inform me what can be done to assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I applied for a PNC Card, and I had a very high score of XXXX. I was given 4 reasons for being denied of which NONE matched my credit report. I asked them for a reinvestigation, and I was denied. This company fraudulently denied me and gave me false reasons for denying me. The attached report was from the time period they pulled my credit. This company blatantly lied and refused to fix the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC Loan officer XXXX XXXX is marketing on XXXX group consisting of XXXX realtors this is unapproved social media run by a XXXX company. All banks prohibit that. I attach the print-screen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account. 
I moved to XXXX XXXX on XXXX XXXX with an XXXX XXXX  from my company, after XXXX  months I find out someone was using my information to open credit cards under my name. Since I'm not a XXXX XXXX XXXX XXXX, I have submitted the information on my XXXX form which verifies I wasn't on the country when the credit card was opened. 
Currently, I'm not even living on the address registered under the credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: MD

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2024-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year> I purchased a virtual call center tour VIP ticket from XXXX XXXX for {$490.00}. The event was XX/XX/year>. The day event was free however there was an option to get more if you paid for the VIP ticket. The original VIP ticket included a photo shoot, an automation system for my business, a website for my business as well as a dinner and access to her membership. I only received the free event and the dinner. I did not receive the automation system, my photo shoot or my website. On XX/XX/XXXX, reached out to her team and was told that the itinerary was changed weeks ago however I have a screenshot of the website that was taken on XX/XX/XXXX and the website still had the original itinerary. I was also told that the original {$1900.00} was discounted to {$490.00} due to the changes but I have a screenshot stating I paid the discounted price for a different reason. I still expected to get everything that was originally offered to me and was never notified that there were any changes to the event or what I would be receiving. I was also never given the option for a refund due to the changes. I was told I would receive my website on XX/XX/XXXX and I still havent received anything from them. 


On XX/XX/XXXX I filed a dispute with chime. I sent them the same documents attached in this complaint and on XX/XX/XXXX my dispute was denied. I asked for the documents used in their findings. I also asked for the claim to be appealed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/2024 ( 3 months ago ) I sent {$1100.00} to a friend via Paypal. Paypal froze his account and wouldn't let him have the money. He reached out to them and wasn't able to resolve the issue. It sounds like they needed to confirm whether he was a fraudster, or make sure this wasn't some kind of illegal activity. I have been friends with his family for about XXXX years now, and they are definitely not criminals. This was just meant to be a gift to a friend. 
About a month later I opened a support case with Paypal, and they said there was nothing they could do. They closed the case. 
This week I reached out to Paypal 's support again, and they told me again there is nothing they can do. 
Paypal has suggested that I file a complaint with my credit card company to try to get the money back, which I might do, but that seems wrong since Paypal has my money and they are the ones refusing to release it or refund it to me. I believe I've gotten really substandard help from their support team. They've repeatedly said incorrect things about the transfer and don't seem to know what to do to reach a resolution, so I decided to open a complaint with cfpb first to see what guidance and advice you might have. Any suggestions or help would be greatly appreciated. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Dear Executive Office, My name is " XXXX XXXX '' and I am from XXXX. I have a company registered in the US named " XXXX XXXX ''. I own a digital business in XXXX, and my payments are routed to me through PayPal for my business. 

However, I have encountered an issue recently where a significant amount of payments has been received into my PayPal account, resulting in my account being permanently limited. I take full responsibility for this suspected or abnormal activity. 

I have compiled a complete document for your assistance, detailing everything necessary to lift this limitation. If any further information is required, please feel free to request it via my primary email whenever convenient for you. 

I will await our discussion in the coming days!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, has violated my rights. 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.

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: TX

Complaint narrative:
This notice is regarding a credit builder account that was opened on ( XX/XX/2021 ) that KIK OFF LENDING LLC reported to the consumer reporting agencies with my information with a current balance of {$210.00} owed. I am requesting KIKOFF LENDING LLC to remove all XXXX late transactions that was reported after I pay off the full balance owed that is currently 143 days past due on this account. If KIK OFF LENDING LLC will remove all the late transactions reported in this account, I wont hold them liable to their violations listed below or in any of my past notices. According to the FAIR CREDIT REPORTING ACT 15USC1681 ( 2 ) ( a ) ( i ) ; EXCLUSIONS FROM A CONSUMER REPORT ; clearly states how my transactions or experience as a consumer to KIKOFF LENDING LLC are excluded from my consumer report regardless of their company policy or everyday business practices ; Furthermore, 15USC1666 ( b ) states creditors can not report a LATE PAYMENT unless they mailed a notice received by me the consumer containing information from 15USC 1637 ( B ), 21 days before the late payment was reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent out dispute letter to all XXXX credit bureaus on XX/XX/year>. These original creditors have inaccurate information on my credit report and have failed to respond within the 30-45 day requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent out dispute letter to all XXXX credit bureaus on XX/XX/year>. These original creditors have inaccurate information on my credit report and have failed to respond within the 30-45 day requirement.

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 2024-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
On XX/XX/2024, I called Mr Cooper XXXX XXXX to inquire why my escrow increased as my insurance did not go up. Also wanted to ask about whether I can pay for taxes and insurance directly versus using escrow. I called the service number and the automated system just give you information that doesn't answer my question. I ask to speak to a customer rep and it sends me back to the information page and gives me the same.information. Again I ask for customer service about XXXX times and the automated system does not connect you. This isn't the first time this has happened to me with this company. Borrowers should be able to speak to mortgagor and not an automated system to get specific details not on the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
a statement that unless the consumer, within thirty days after the reciept of notice, disputes the validity of the debt 15usc1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE

Complaint narrative:
The property at issue is currently undeveloped land. Perviously there was a building on the property, but the building needed to be demolished in XX/XX/XXXX. Since the land is currently undeveloped, it does not require typical structural flood insurance. Despite this, Select Portfolio Service , Inc ( SPS ) deducted {$930.00} from the mortgage escrow account for flood insurance. I had cancelled the flood insurance over one year prior with my company, so SPS had contracted with their insurance provider to place coverage on the property. On XX/XX/XXXX I contacted both SPS and the listed insurer to notify them that there is no structure on the property so that flood insurance is not required. SPS contacted me initially on XX/XX/XXXX stating they would have an answer within 30 days, and then again on XX/XX/XXXX stating that they needed an additional 30 days. Since then I have heard nothing from them, and I never received any response from the insurance carrier. I needed to file complaints for a similar issue previously with SPS with hazard insurance. In my opinion, their behavior goes beyond mere negligence, and actually is fraudulent as they intentionally apply insurance to mortgages when not needed in order to receive financial benefit from the insurance carrier for the referral. Unless they are held accountable, I will likely need to continue periodically filing complaints on this issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-04-21 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: CBC Companies, Inc.
State: FL

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt. you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION. made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices. provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information. to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute. fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease. and desist. Also, during this validation period, if any action is taken which could be considered. detrimental to any of my credit reports, I will consult with my firms managing attorney for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your

Company response to consumer: Closed with explanation