vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have a checking account and a savings account with USAA. I am currently experiencing XXXXl distress ; I have had a health emergency which has left me unable to work during my recovery and also made it ( at times ) difficult to communicate with financial services companies. 

A payment for a personal loan was automatically debited from my checking account, as would normally be scheduled, but due to my emergency and temporary loss of income, could not clear. I had specifically gone in to the USAA app and set my accounts to decline overdrafts. Instead, USAA debited my savings account, and caused the transaction to go through. 

I had expected instead the automatic debit to fail as " insufficient funds '', per my explicit and recent instructions, and I would follow up with the creditor myself. 

After I noticed this had happened, I started a customer service chat in the USAA app to ask why my savings were used to fund that transaction despite my preferences, and I found their " responses '' so exasperating that here I am, writing to the CFPB instead. I was told that, oh, I must not have understood that there were XXXX distinct overdraft settings available, both on the checking and savings account, and that if I actually wanted the behavior I desired ( to decline overdrafts ), that I would have needed to ( somehow know to ) _enable_ " standard overdrafts '', and then change some other setting. 

I find this preposterous. I have worked as a XXXX XXXXr and helped XXXX XXXX XXXX  '', and I have sat in design meetings where people discuss " dark patterns '' and how to " trick '' users into doing something that a company wants that those users, if they understood what they were doing, would instead opt out of. And I am struggling to find an explanation for USAA 's behavior and design decisions that are not malicious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Requested a pay off letter reflecting paid in full and closed. XXXX sent a {$0.00} balance letter but still reflects the account being in discharge status instead of paid and closed as requested by me. The letter is also written in deceptive practices showing at the bottom of the letter stating " This is an attempt to collect a debt. This is definitely not a paid off letter. I honored my responsibility by paying off the debt. XXXX should do the same by giving me a true and honorable letter of paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
Requested a pay off letter reflecting paid in full and closed. XXXX sent a {$0.00} balance letter but still reflects the account being in discharge status instead of paid and closed as requested by me. The letter is also written in deceptive practices showing at the bottom of the letter stating " This is an attempt to collect a debt. This is definitely not a paid off letter. I honored my responsibility by paying off the debt. XXXX should do the same by giving me a true and honorable letter of paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
Requested a pay off letter reflecting paid in full and closed. XXXX sent a {$0.00} balance letter but still reflects the account being in discharge status instead of paid and closed as requested by me. The letter is also written in deceptive practices showing at the bottom of the letter stating " This is an attempt to collect a debt. This is definitely not a paid off letter. I honored my responsibility by paying off the debt. XXXX should do the same by giving me a true and honorable letter of paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Please remove this fraudulent account from my credit report, as it is not associated with me. I request that you conduct an immediate investigation and remove any other inaccuracies from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i have unauthorized inquiries on my report.i would like to get it remove if you can not provide proof such signature that i authorized these accounts. according to the FCRA any inacurate items on my credit report that isnt 100 % verifiable or accurate must be removed immediately it is not metro to complaint or meet E oscar requirement please remove item 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 non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
I've had issues since I received my card in XXXX or XXXX of XXXX. It all came to a head in XXXX of XXXX, where I ended up paying over {$1200.00} in a one month period because of billing issues. While talking with the supervisor XXXX at the time, while she's trying to figure out the issues on my billing, my wife and I hear her say, " Well I don't even know why they had you pay those two months, then turned around and added those two months to that month 's bill. '' So I said, you're telling me that I overpaid because of a billing error on your part? '' To which she replied " Yes. '' Well, there's the first {$700.00} mistake. She proceeds to go through my history with Comenity, to which she numerous times referenced errors made on their part that I had to pay for. So XXXX of XXXX, a month in which I anticipated having a bill due but was told by XXXX  that there would be no bill due until XXXX, I pay {$410.00} at the beginning of the month after I got my VA XXXX check and towards the end of XXXX I paid off what showed as my remaining balance due, which totaled {$6700.00}. There was no notification of " potential additional interest charges may occur '' warning. So here we are in XX/XX/XXXX, I paid thus account off a month prior, and I get yet another bill from Comenity for interest on a card that is paid off. I've overpaid enough to this company, I will not give them another dime. This is a habitual issue with them based on the numerous complaints posted with the CFPB and XXXX. I paid what they said I owed, I will not pay them anything additional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I filed for arbitration. The judged granted motion for arbitration and to stay the case while we arbitrate.. 
Synchrony is harassing/intimidating me by sending an order for summary judgment and a list of witnesses against me. What am i supposed to do if I am electing arbitration. 

Also, I requested for them to pay for the expensive arbitration deposit fee but they are not following up with me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Please remove this fraudulent account from my credit report, as it is not associated with me. I request that you conduct an immediate investigation and remove any other inaccuracies from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
PenFed is withholding funds. Someone tried applying for a credit card with them which is not me and is identity theft. Thereafter, PenFed locked my checking and savings accounts and are preventing me from accessing my funds or transferring them. I submitted all documents but they are not doing anything and are illegally withholding my money. I have had enough. I need access immediately to all of my funds, my online account to be restored, and to remove this illegal hold on my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my 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 non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my 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 non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I filed bankruptcy in XXXX  and Wells Fargo refused to reaffirm my loan and stated that the reason that they could not was a TEXAS State law which prevented them from doing the reaffirmation and since then I have made my monthly mortgage on time and they refuse to send this information to the 3 major credit bureaus. I feel that this is an unfair banking practice which not only affects my credit score, but it affects my loan and credit card interest rates and it also affects the rates that I pay for auto and homeowners insurance and this has been going on for the past seven years and it gas put a extreme financial and emotional stress on me and my health and well being. I have contacted Wells Fargo several times to try to get them to correct this and treat me fairly, but they always refuse and state the reason is the fault of the state of Texas, but they have never provided my with proof of any Texas laws showing this to be a true fact. I feel that Wells Fargo is a very corrupt bank and they are guilty defrauding millions of people out of millions of their hard earned money and I hope your agency will hold them accountable for these actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I want to describe my constant frustration with trying to pay my bill with a store credit account. 

Most recently I purchased a mattress and needed to use a credit card. I opened an account with them and have had to go through the process of creating my username/password four times- I used a password manager and am incredibly diligent with my information. When finding my account for the fourth time when I went to pay it off, it showed that my account didn't exist. So, I chose to pay the remaining balance as a guest using my account number and it went through. I took a screen shot of the confirmation after the payment. However, I never received ANY confirmation by email that this payment was made on XX/XX/2024 and my remaining balance ( which should be XXXX ). 

Every other financial institution provides confirmation immediately when you've made a payment. The only email I received was that there was an attempt to login into my account- after it showed up that the account didn't exist. This issue has been going on for months. 

At the end of the day I believe that Synchrony is a predatory lending company that makes login and payment process deliberately difficult for the consumer so that they can apply late fees, ultimately destroying a credit record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: ID

Complaint narrative:
BMO Bank has placed a lock on my checking account since XX/XX/24 for what they stated was caused from a business check that I deposited in my account. I was informed the " investigation '' would take a max of 15 business days. It has been 20 business days since this was initiated and I can not speak to the BMO division who are doing the " investigation '' to get at least a status update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: MIB Group, Inc.
State: NY

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX ( Original XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) : Account number : XXXX, I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
on XX/XX/2023 a letter was sent to Equifax to have some misinformation reporting on my report in regards to incorrect addresses amongst other things. I have mailed them and have yet to have my request processed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/2023 I was contacted by the prson who ended up being the scammer. I was contacted to purchase two items that I had for a=sale on XXXX told the person they would have to pay me cash, but the person told me that was too much money for a cash purchase ( around XXXX ) so they proposed they would pay me from PayPal. I agreed so they told me they would send me Paypal money. but then the buyer said they had a Paypal business account and since my Paypal was a personal account they could only pay me in XXXX at a time. so they would send me XXXX and I would send them back XXXX So the man sent me emails telling me how to send them the money. I filled out a PayPal for XXXX ( including fees ). the email said that if I wanted a Paypal business account they would help me get it. By the way, I never received the XXXX promised, but I did send them XXXX ( PayPal agrees on the amount ) To get a Paypal business account, I would send this Paypal person XXXX ( including fees ) and I would get money back into my account. The man told me what amount and to whom to send the money ( this was a fictitious amount [ a scam ) so I sent the XXXX to the man who I will name later So total I was scammed in the amount of XXXX. I told the story to Paypal with the fees and Paypal told me my bank had to agree and tell Paypal to reimburse me th money ( XXXX ). My bank told me Paypal had to reimburse me and Paypal told me they had to receive instructions from my bank. Neither happened which is why I am contacting you. There may be detail missing because I had to type everything over, because your form would accept a copy of my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I supplied the completed XXXX loan assumption package to Loan Depot on XX/XX/2023. XXXX rules dictate that the process must be completed within 45 days of submission, and it is now 60 days past this date and no answer on the eligibility of the buyer for the assumption of the loan. This delay is going to cause harm to both the buyer and seller, who intend to sue Loan Depot for the breach of the mortgage contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  ( Original XXXX XXXX XXXX  ) : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX  ( Original XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) : Account number : XXXX, I was a victim of identity theft.

Company response to consumer: Closed with explanation