vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX contacted me regarding a collection debt for monies owed to XXXX XXXX XXXX XXXX for an account I cosigned ( I was informed all amounts due on the account were paid in full ). I responded on XX/XX/XXXX in writing to verify debt and never heard back later learning they reported me to the credit bureaus. I contacted them and they acknowledge receipt of letter with 30 days but did nothing to verify. On XX/XX/XXXX I received a letter from National Recovery Agency ( XXXX XXXX XXXX, XXXX, PA XXXX ) providing an itemized bill which did not show what was owed clearly. I sent them a letter on XX/XX/XXXX requesting back-up to verify amounts on the bill that were not clearly valid. I have never heard back from them to date and learned they reported me to the credit bureaus.

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 2023-03-16 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: Self Financial Inc.
State: KY

Complaint narrative:
DEAR Credit Bureaus During the Covid-19 I struggle to catch up my payments on time I was sent home from my job because of Covid-19 I was missing payment to my self secured loan on XX/XX/XXXX and XX/XX/XXXX and Borrow money from someone to pay SELF lender secured loans and SELF Secured Credit card they refused to remove the late payments off my credit report since then I never late to making payments they supposed to follow the COVD ACT and remove those late payments from my credit reports as soon as possible .Account # XXXX and Account # XXXX SINCERELY. 
XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16 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: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I have been requesting this synchrony bank to remove all late payments from my report under an account that was closed without my consent. The company has not gotten back to by email, phone or mail. Also I never gave the company consent to report any late payments to. my 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 2023-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-16 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: PA

Complaint narrative:
Fraudulent accounts appearing on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account # XXXX is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$310.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

According to the Fair credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report XXXX showing your compliance with all METRO2 reporting standards and this account removed upon completion.

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 2023-03-16 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
Disputed information on my credit, company name XXXX XXXX, reporting credit agency name, National credit systems, amount {$11000.00}. I disputed credit reporting via XXXX website as well as sent a formal letter stating I have no knowledge of this account. Submitted documentation with inaccuracies concerning what was reported for original company. Did not receive an information back after the investigation verifying the results. Both XXXX and XXXX have removed this from their credit reporting however XXXX still is reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: NV

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16 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: NV

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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:
What happened was I received some direct deposits from the US government for my Covid 19 relief funds since my family was greatly affected by the pandemic. But immediately I received the money, PayPal limited my account. Telling me that Ive violated their terms. Since then I have tried to talk to them complain to them that this money is life changing and my family is going through crises and I need that money. They made things worse. They permanently limited the account telling me they can no longer support my account. I understood because I was told that I will receive an email in 180 days after in order to withdraw my money. I had patience and waited for 180 days and yes I received the email after that Covid hit me again I had to be quarantined it was only after I came back home I realized PayPal had sent me that email. So I logged back into the closed account to try to withdraw my money. I was never able to withdraw. I contacted them and the only thing PayPal could tell me was they will email me when its available for withdrawal I tried to explain to the customer support that hey look Ive already received that email and I still cant withdraw. They will just disregard my messages and at a point were not replying to my messages or calls. And now here I am still having over {$10000.00} in my account and I can not even withdraw the money from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
When applying for a Wells Fargo home loan in 2015, I was delayed in the process and the loan advisor hindered me from being able to lock in to a lower percentage rate. Our closing date was also delayed. This loan was for my current address : XXXX XXXX XXXX, XXXX XXXX, SC XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: AK

Complaint narrative:
An unauthorized {$10000.00} transfer was made from my current account to my Robinhood brokerage account on XXXX/XXXX/2023. After contacting Robinhood, they requested various information which I timely provided. Subsequently, my Robinhood brokerage account was put on hold for review. The review has been going on ever since then and my money is being held XXXX at Robinhood. I've made several requests by phone and in writing for Robinhood to release my funds, but nothing has been done to date. I'm frustrated beyond my imagination that this kind of unprofessionalism can be going on in the US in 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Credit Card Capital one Credit Card - I have rewards dollars of over {$2500.00} dollars. When they closed my account in XXXX I requested payment of my rewards balance. They said 30-60 days they would return my money. When I called today XX/XX/23 they increased the time they would hold the money to 3-4 months. Even the agent helping me at Capital One did not know why they are holding my money. Even if the policy did change during this process I should be Grandfathered using the older policy. 

I am reaching out to you to help me get immediate access to my money per :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I began receiving unemployment benefits on a card through Bank of America when the pandemic started and my card was frozen for no apparent reason and i could not access my funds for a long time and the bank said it was closing my account due to suspected fraudulent activity. I filed a claim to get my money back and it has been at least 2 years and they will not tell me anything as to what they are looking into and it is apparently still being investigated but bank of America has never reached out to ask me anything or will inform me of what i can do to resolve them holdingy unemployment money. And on top of that i have filed multiple complaints and they still tell me to just keep calling back and thats the only answer ive ever gotten from them. I just recently looked back at all my previous transactions and just discovered there are at least 10 clearly fraudulent charges made from out of state which i have never been to nor have any idea how my money was stolen from my account even after theyve been investigating my situation. I signed up for fraud alerts but have never received any fraud alerts while my money was being stolen from across the country. Ive filed multiple complaints and now i see im mot the only person this has happened to, there are apparently many others in my same situation. Theres alot of money that is rightfully mine that bank of America will not tell me anything about what they are doing to resolve this. They let my account be hacked into and alot of money stolen as ive been waiting for more than 2 years to get back from the bank. I had no idea money was being withdrawn because i was relying on their promise to alert me to any fraudulent charges. So they tell me there's nothing i can do but keep calling back and ive called and filed many complaints with bank of America with no answers or hope in sight. I feel i am being victimized by this bank and i have had to go without my money that is rightfully mine, therefore causing huge hardships for me. They refuse to give me any written reasoning or inform me of what is taking over 2 years to investigate without ever reaching out to me. Now i see bank of america is being fined and told to pay us victims finally, but ive heard nothing from them, ever! Is there someone that can please help me get my money from this despicable bank of America that is victimizing all of us, their innocent customers? Thank you in advance and for your time.

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 monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: SUN LOAN COMPANY INC.
State: MO

Complaint narrative:
Sun XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX has late payment information listed inaccurately on XXXX and XXXX. 
ON XXXX they have " 0 '' under number of late payments but on XXXX it is listed as " 3 '' late payments. 

15 USC 1681 ( a ) ( i ) says I can have this account deleted if these erroneous statements can not be verified. 
These reports are dated XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I filed a written complaint on XX/XX/XXXX by telephone and by letter ( attached ). 
They sent acknowledgement letter on XX/XX/XXXX and responded to a my secure online message on XX/XX/XXXX. I've called to ask for a resolution because it is over 90 days and they keep charging me interest on my dispute which is described below. But they said they would contact when they have an answer. And now when I call I get a recording.. " WELCOME TO XXXX XXXX , your call can not be completed as the called party is temporarily unavailable .please try your call later '' I called today XX/XX/XXXX at XXXX XXXX  EST Tel # XXXX during their stated business hours. 

ISSUE : I called when I received my XXXX statement to dispute deferred interest charges they charged regardless that I made full payment on XXXX of {$940.00} before a {$930.00} deferred promotional balance expired on XX/XX/XXXX. My XXXX statement stated that an auto payment of {$130.00} would be deduced on the due date XX/XX/XXXX, but they didn't deduct the auto payment because they said I made the XX/XX/XXXX payment. No other bank does this. I called and filed a complaint and was given XXXX XXXX XXXX. I wrote a letter on XX/XX/XXXX, but there was no response, so I sent a secure message through Comenity Bank Website for XXXX XXXX XXXX, which was acknowledged Message ID : XXXX. I received a physical letter from them on XX/XX/XXXX. Besides not crediting my payment to the promotional plan that expired first, they are still applying any extra payment to promotional plans that expire last, It is so hard to even understand how they are calculating interest ( and I am a secretary who does taxes and calculate closing cost. According to the last statement they charged interest of {$770.00} in XXXX and {$16.00} so far in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
It has come to attention that there are reports of fraudulent consumer reports being disseminated, containing invalid and incorrect information that violates an individual 's rights to privacy. Such reports may include sensitive and private information that has been inaccurately reported, misrepresented, or deliberately falsified, and which could potentially harm an individual 's reputation, financial standing, or other important aspects of their personal or professional life. 

This activity is in violation of various laws and codes that protect individuals ' rights to privacy, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the General Data Protection Regulation ( GDPR ). Under these laws, individuals have the right to access and dispute inaccurate or incomplete information in their consumer reports, and consumer reporting agencies have a legal obligation to ensure the accuracy and privacy of such information. 

Therefore, any dissemination of fraudulent consumer reports that contain invalid and incorrect information is considered a serious offense and may result in legal action, including civil and criminal penalties. It is important to report any such activity to the appropriate authorities and take steps to protect one 's rights to privacy and personal information.

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 2023-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Company misused my information and I have been receiving harrassing phone calls on their behalf. I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently received a charge off from XXXX XXXX XXXX the amount stated is not correct. The credit reporting agency Experian never gave me anything in writing of how the determination of the investigation was done. This is under 15 U.S.C 1681i. Also I never contracted to have my privacy violated without my written consent. I have a right to privacy. I feel that the C.R.A is biased in there decisions due to being paid by companies to use there services. I would like this deleted from my credit report due to the violations and identity theft use of my ssn was not authorized.

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 2023-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX, Transunion and XXXX XXXX XXXX, XXXX XXXX bank, XXXX XXXX Bank and XXXX XXXX have an failed to re-investigate my complaint in regards to all the incorrect errors, hard inquiries, and fail to report all payments made to 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