vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I paid {$4300.00} to ULTA/Mastercard ( Comenity Bank ) phone payment. 
I closed my account and I was told there could still be a balance for interest and fees. I stated I understood. 

I never received a notice of a balance. 
On XX/XX/XXXX. I called to inquire about a balance I was told they updated their system they can not see or tell me anything about my account and that I should try back at a later date. 

I called back in XXXX XXXX was told I had a balance of {$43.00} dollars I requested a statement. She said a statement is being mailed out. 

Fast forward. I received an alert on XX/XX/XXXX from XXXX that comenity bank reported that I owed a balance of {$170.00} dollars. 

I had tried to talk to dispute this with Comenity they hung up on me if I do not pay but they continued to call me nonstop. 

Finally, I sent a certified letter XX/XX/XXXX explaining that I would no longer speak to them and that if they wanted to talk had to do it through email because they are not trustworthy. I informed them that I was filing a complaint against them. 
After I sent they received my certified letter they sent a bill for those trumped-up charges and reported again to the credit bureaus that I now owe " {$290.00} on a loan I did not pay back '' Which is a lie. 

I am disputing these charges because a balance of {$43.00} turning into a {$290.00} dollar is madness. 
I can provide proof that I have always paid my balances off since having my credit card. I have my bank statement from XX/XX/XXXX showing I paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I used XXXX to pay for a service from my USBANK ACCOUNT. 
XX/XX/XXXX  I sent {$120.00} XX/XX/XXXX  I sent {$350.00} XX/XX/XXXX  I sent {$200.00} When I viewed my USbank account Statement instead of the above listed amounts the USbank account listed the following payments which I didn't authorize. 
XX/XX/ I sent {$1200.00} XX/XX/ I sent {$3500.00} XX/XX/ I sent {$2000.00} I filed a dispute with USBANK and they never responded and never returned my funds.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute false information that has been reported on my credit report. Specifically, I am referring to accounts that were given to my ex-husband in a divorce proceeding in 2016, despite the fact that these accounts are over seven years delinquent. Despite repeated requests, XXXX has refused to remove these accounts from my credit report, causing significant damage to my credit score. 

Furthermore, I have reason to believe that my former spouse has intentionally reported me as deceased in order to take advantage of my good credit standing and score. This has led to my credit applications being denied, as I have been reported as deceased by my former spouse. This information is not only false, but it is also creating significant XXXX  and negatively impacting my life in various ways. 

I have made several attempts to contact XXXX and other relevant parties, but unfortunately, these attempts have been unsuccessful for over XXXX years. I believe that the continued presence of these false accounts on my credit report and the intentional misreporting of my status as deceased by my former spouse is unjust and causing me significant hardship. 

Therefore, I request that XXXX immediately remove the false accounts and any other erroneous information from my credit report. I also request that you investigate the intentional misreporting of my status as deceased by my former spouse, and take appropriate action to rectify this situation. 

I appreciate your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
In XXXX of 2022, I filed a fraud claim on my checking account for a scam that I was a victim of involving a Navy Federal Member who was portrayed to be a XXXX who runs a debt consolidation program. During our phone conversations and instructions on XXXX messenger, I was told to make payments using their business bank account to pay off my XXXX XXXXXXXX XXXX  credit card. The account that I was told to transfer the money from was from XXXX XXXX and I made 4 larger transfers to pay off the card but in return had to pay a service fee for this service of {$6000.00} to the business owner XXXX XXXX. Well, I also paid XXXX XXXX XXXX XXXX and XXXX XXXX using member-to-member transfers. I filed a claim with Navy Federal stating all of this and they gave me a provisional credit for {$6000.00}, well a month later they reversed that credit and made my account negative. Now they are harassing me daily about the overdrawn account in which I did not do but I am supposed to pay for it. The account is due to go into collections soon which would do more harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
In XX/XX/2023, PayPal randomly " permanently limited '' my account ( XXXX ID - XXXX ). I tried to close my account, and PayPal is preventing me from closing the account. I also tried to delete my financial information, and PayPal is also preventing me from doing that ( credit card and checking account information ). I do not wish for PayPal to hold my financial information against my will, especially since PayPal has access to my banking accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I received information from the credit bureau that information that was disputed on my credit file came back verified. What seems strange is that I did their job and requested validation of disputed information and the information that was provided would not be be accurate. Bankruptcy being reported on credit file under incorrect spelling of name how was it verified as mines?? Also XXXX XXXX could not provide validation of debt so how was the debt verified of mines??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LCI Acquisition Inc.
State: GA

Complaint narrative:
A bankruptcy is inaccurately being reported on the credit profile for which my social security number is attached to. There are discrepancies regarding matching my information with that on the bankruptcy listed. I need this company to do a thorough investigation which includes showing proof of any signatures by me validating this bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my current credit report from your bureau, I came across the disputed account, and I don't think they are 100 % correct. Would you please UPDATE this ACCOUNT 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 explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A bankruptcy is inaccurately being reported on the credit profile for which my social security number is attached to. There are discrepancies regarding matching my information with that on the bankruptcy listed. I need this company to do a thorough investigation which includes showing proof of any signatures by me validating this bankruptcy.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have attempted to contact XXXX XXXX XXXX many times with no satisfaction. My biggest complaint is with Transunion Reporting Agency. I sent them copies of letters, correspondence, green cards from registered mailing, all facts necessary to have this derogatory account removed from my credit report, and there response was, " the company states you owe for this account ''. We'll, of course they do, are you actually attempting to remedy this or are you simply a pit bull for companies and not consumers. Does the Fair Reporting agency know that you are blindly siding with companies against consumers? XXXX does not have this account on my record as it was not proven to be owed, but Transunion is nothing less than a XXXX  collecting as a 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 2023-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my current credit report from your bureau, I came across the disputed account, and I don't think they are 100 % correct. Would you please UPDATE this ACCOUNT 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 2023-03-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my current credit report from your bureau, I came across the disputed account, and I don't think they are 100 % correct. Would you please UPDATE this ACCOUNT from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
We are filing a second complaint due to Pennymac not fully addressing the issue in response to complaint ID XXXX. Pennymac did not offer any resolution to servicing errors regarding our escrow account which resulted in our mortgage payment increasing our PITI payment by 39.96 %. In the response to the initial complaint they acknowledged the escrow account was not analyzed at the time of our modification, nor was it completed correctly in XX/XX/XXXX. 

We have continued to pursue the issue with them and received a modification offer that places us in a significantly worse financial position. We have appealed the decision and provide 2 alternate options. Both options would return us to a similar financial position to where we would be had the account been serviced correctly. 

I am including the following documents as part of this complaint for your reference. 
Appeal Letter dated XX/XX/XXXX 2nd Complaint Letter dated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: NV

Complaint narrative:
I have disputed these inquiries with Equifax, XXXX, and XXXX. Equifax, XXXX, and XXXX ignored my dispute I have attached my FTC Report to rectify this problem. This inquiries are unauthorized and I filed a complaint with FTC and the complaint is attached. Please do not ask me to send in verification as to whom I am to stall the process. I have created a paper trail via USPS certified mail sending Equifax, XXXX, and XXXX the documents they asked for numerous times. The information is there and they need to adhere to this complaint immediately to avoid legal actions and punitive damages being filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I cancelled the Equifax monitoring service in XXXX of 2022, yet I am still being billed every month for the {$19.00} fee. I have called and was told the issue was handled and I would get a refund, has not happened. I have sent emails with the proof of cancellation. I am owed 6 months of fees. I want the service stopped and I want my fees returned. I have tried to correct info to no avail and now they are charging me for a service that is useless. I have exhausted every option to solve this with EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: FL

Complaint narrative:
Hello, my PayPal account can not be link with the bank and withdraw cash. I have called the PayPal customer service representative many times, but the problem has not been resolved. Please help me, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/2023 at XXXX I received an email stating my phone number on my account had been changed to XXXX. I received three emails subsequently notifying me of new logins starting at XXXX by device XXXX XXXX in XXXX, FL XXXX XXXX XXXX XXXX by device XXXX XXXX in XXXX XXXX, FL, and a final notice XXXX XXXX by device XXXX XXXX in XXXX XXXX XXXX, FL. At XXXX, {$3000.00} was transferred from my savings to checking account. A payment of {$1900.00} was transferred to $ XXXX and a second payment of {$980.00} was made to $ XXXX. These transfers were not authorized or approved. I do not know how these people were able to access my account, but a representative within the company confirmed to me yesterday that my money has been transferred to another Chime account. I dont understand how I can be held responsible for a security breach on their end. After filing several complaints, including with the police and the FBI, and reviewing the XXXX I have discovered this is common within the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I recently paid off my full balance account to capital one however I got charges for interest payment when my balance was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Sensible Auto Lending, LLC
State: MA

Complaint narrative:
I Took out a Loan for a XXXX XXXX XXXX car with almost XXXX on it. The car is not in the best shape and is dying due to old age, I refill it with coolant 2x or more a day along with the AWD system not working and disabling. I pay just shy of XXXX XXXX  monthly. When I am done paying for this Loan I will have paid Sensible Auto {$37000.00} on a car that is going to die on me by this coming winter. I am unable to trade it in to get something because of the outrageous balance. The payments are too much to maintain along with trying to fix the issues to keep it running. I am buried in debt and can not afford to have my car repossessed again my credit will never recover and i will never be able to get another car loan. i need to work. I want out of this loan and my down payment back along with this off my credit. Sensible Auto is a shady and predatory company that prays on he less fortunate. I Live in constant fear of my car being taken and the harassing phone calls all day asking for more money. The Balance on the Loan is {$16000.00} and the NADA worth of the car is around {$5000.00} I need out of this car before it dies and I will still owe money on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: NV

Complaint narrative:
I have disputed these inquiries with XXXX, Experian, and XXXX. XXXX, Experian, and XXXX ignored my dispute I have attached my FTC Report to rectify this problem. This inquiries are unauthorized and I filed a complaint with FTC and the complaint is attached. Please do not ask me to send in verification as to whom I am to stall the process. I have created a paper trail via USPS certified mail sending XXXX, Experian, and XXXX the documents they asked for numerous times. The information is there and they need to adhere to this complaint immediately to avoid legal actions and punitive damages being filed.

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 2023-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
My account got blocked. I've filed a dispute against a Merchant for {$1000.00} I had some money still in my account which I was told will be refunded. Other then the money which was in my account, I've won the dispute whose money was not added at the time of closure. Now, I think that to hold that money, bank has deactivated my account. I'm ready to provide any necessary document to verify my account or my actions but they are not allowing me to do so. I've proof of the dispute that merchant has accepted it and the money was refunded from their side. I've paid for account opening fee as well. But still if I've gone against the policies you can close my account but refund me any amount which was in my account + {$1000.00} which is refunded by the merchant.

Company response to consumer: Closed with explanation