vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 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: MO

Complaint narrative:
On or about XX/XX/XXXX I checked my XXXX XXXX credit monitoring and found XXXX XXXX is frivolously reporting innacurate info on my credit report with TransUnion saying I have a charge off/ delinquent account when I settled this account in civil litigation in XXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXX XXXXy XXXX filed a XXXX satisfaction of judgement '' on this and told me it would not be on my credit report as part of the settlement! This is frivolous on XXXX XXXX part for reporting innacurate info and hurting my credit on a settled acct I may seek legal damages via lawsuit for my time spent and labor of my own investigation and calls made I'll never get back!

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 2022-10-19 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: SC

Complaint narrative:
I received a response to my previous complaint that the accounts listed on that complaint came back verified. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. FCRA states that information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. You have been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not deleted from my report. Please do not update or verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contracts and physical documentation to support the information that is being reported on my credit report via mail. Screenshots and statements will not suffice. Please send my actual signature on a contract as these accounts are not mine. I am in the process of planning a legal case, so I need specific answers to what was asked of you in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: AR

Complaint narrative:
I spoke with CapitalOne " senior account XXXX XXXX '' today regarding the excessive and improper annual membership fee and subsequent late fees and finance charges on my XXXX XXXX credit card account ending in XXXX. Notwithstanding that {$59.00} annual fee is excessive in the first place, it is improper when I rarely use the card, and therefore do not receive any of the benefits, notably the % cash back that CapitalOne advertises. 

In prior years, CapitalOne customer service agents had the authority to remove the fee ( s ) as a customer accommodation, but apparently now they do not. Adding insult to injury, there are XXXX subsequent months ' of late fees and related finance charges, AND, CapitalOne is reporting the card account as delinquent to the credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I applied for a XXXX XXXX XXXX store card through Comenity bank and I was approved for a limit of {$15000.00} and a promotional APR of 0 % for 18 months on purchases over {$990.00}. I made a purchase of {$11000.00} on the same day hoping to take advantage of the promotional offer. I proceeded by setting up automatic payments and signing up for paperless statements so I wouldn't have to worry about the manual process of paying my financial obligations. 
On XXXX, I called Comenity Bank to inquire about my credit card account balance in order to make a full payment of the remaining balance. I was given an amount of {$8100.00} which I immediately paid to settle my account down to a XXXX balance. 
Comenity Bank recorded the payment on XX/XX/XXXX and prior to them recorded the payment, the assessed an accrued interest of the original principle amount of {$3700.00} on XX/XX/XXXX. 
I have been explaining to them that I was under an 18 month 0 % APR promotion as stated clearly on Floor and Decor 's website. Comenity Bank is claiming a different agreement term of 12 months which contradicts Floor and Decor 's promotion. 
I have fulfilled all my financial obligations with regard to Comenity Bank and I am not responsible for any human error of their part that may have led to them assuming that I was on a 12 month deal. The only reason I knew how much that I owed them in the amount of {$8100.00} is because that is what their representative told me and I could equally see that only. I would not have proceeded with making my full payment if I knew they were going to charge me interests much sooner. Comenity Bank needs to cancel the interest charges and refund me for the additional interest autopayments taken out of my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Someone opened credit card in my name. Comenity Bank Credit card and purchased merchandise from The XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19 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:
On XX/XX/2022, I transferred {$75.00} to my brother ( who lives alone and is on social security ) via PayPal to help him with his groceries. I had made these transfers through PayPal to him before without issue. When he did not receive it, I transferred another {$75.00} to brother, both of these immediately came out of my bank account but did not go into his. Later I transferred a XXXX and XXXX {$75.00} but was able to cancel those when XXXX advised that he had received nothing from PayPal. I have have written and called PayPal numerous times trying to resolve this and to either have them find this money or return it. I have asked that investigation be accelerated. I was told that it was resolved BUT my brother still doesn't have the money and neither do I. They show it in an account that my brother does not have access to. In a phone conversation with PayPal, they told me to have brother contact them and when he did, they just referred him back to me. PayPal has exerted minimal to no effort to find this money and with the cost of groceries, I really wanted to help my brother on a regular basis because he had had to drastically change his shopping ability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: MI

Complaint narrative:
Transunion has violated my Federally Protected Rights under the FCRA. I asked for Method of Verification for the inaccurate inquiries they are reporting to ensure they excericed there grace responsibility as Required by Congress in order to furnish a consumer report it has to be to the maximum accuracy and your company employees/agents failed to do so as that is my Right pursuant to the FCRA. My consumer report is to be Fair and equitable to me but instead its furnished to benefit you and your business partners. 
Failure to Comply will result in Legal Matters as this issue is negatively affecting mine and my children livelihood. I called on the phone multiple times and the rep failed to dispute the information as that is my right

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 2022-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: RI

Complaint narrative:
back in XXXX of XXXX submitted tender of payment for my XXXX XXXX XXXX XXXX in full to Westlake financial. Company repossessed my vehicle back in XXXX of XXXX. I've come to find out that my rights were violated. Notice, it is a fact, I am now aware, that repossession, is a violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. This is a right secured to me by this code herein and the 4th amendment of the U. S. Constitution. Also, AS I am the creditor Notice, it is a fact, in accordance with 15 U.S.Code 1692h I, the consumer and affiant in fact, give, with my written instruction, direction for Westlake Financial to redirect all prior payments, and all current payments to rectify the matters herein, to me. Also that the company engaged in identity theft and numerous violations under title 15. They refused to validate or verify the debt. They also did not comply with my request for accounting. They reported false information to the credit reporting agencies, threatened and harassed me for payment. Then took my property which I have a commercial lien on via an XXXX financing statement. We have no working vehicle and they violated my rights. Along with continuing to report late payments on 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 2022-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NH

Complaint narrative:
I have federal loans that date back 20 years and I've worked in public service for the federal government for the last 20 years. My employment consists of 6 years active-duty XXXX XXXX XXXX and XXXX 9 years 10 months working for US Department of Transportation XXXX The Public Student Loan Forgiveness ( PSLF ) program and Temporary Expanded PSLF ( TEPSLF ) forgive federal student loans for individuals that have worked in public services for 10 years or more. I have worked for the federal Government for more than 15 years. I submitted the PSLF Application more than 10 times over the last 7 years. Earlier this year XXXX began to process my XXXX XXXX and qualified/certified XXXX of my eligible payments. For some reason they stopped and did not count the additional XXXX payments that qualify under PSLF And TEPSLF. Once again, my servicer has changed. The new servicer MOHELA has not responded to my email or phone calls. I have not been able to get ahold of anyone at MOHELA to discuss my situation and to get may TEPSLF reviewed and payments recounted. To clarify when I call MOHELA I am put on hold for more than an hour and then they terminate the call while I am on hold waiting to talk to someone. I have not yet been able to speak with anyone at MOHELA and I am concerned that while I continue trying reach out to someone about this matter, I will miss out on XXXX which expires XX/XX/XXXX. 
Attempted phone calls XX/XX/2022 & XX/XX/2022. Hours on hold 3+.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I tried opening a XXXX XXXX for the first time and received and email stating it will be closing because of violations. And when I called XXXX XXXX  they told me I have other bank account open on negative and I never opened an account before until I tried opening a XXXX XXXX  account for work.. I never opened any other account and would like help to removed them and everything else that causing this issue it isnt fair. Im going through identity theft. I need help! Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Barclays Bank is not only at a zero but it's several years past the statute of limitations to be collectable as we live in North Carolina. The reporting on this should have stopped years ago as the debt is no collectable and no payment was due.

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 2022-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am a North Carolina resident. Capital One continued to collect and report my debt as late monthly several years after the Statute of Limitations ran out. I would like this corrected. There is also a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: PNC Bank N.A.
State: NJ

Complaint narrative:
My card was stolen XX/XX/2022. Pnc accepted some responsibility for certain claims but not other transactions which were at the same exact time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
After finding out that I was given wrong information that I dont qualify for student loan forgiveness and could have qualified for student loan forgiveness I requested to consolidate my loan into direct loans By contacting nelnet today at XXXX at XXXX XXXX mountain standard time. The representative stated that I should have consolidated by XX/XX/XXXX in order to be accepted. I stated I was given wrong information by a nelnet representative when I had called as I had asked if I can qualify for student loan forgiveness. Rep asked what day was this I said I dont recall what day and they stated they can look it up to listen but will have to transfer me to a manager as rep stated there is no notes stating rep on XX/XX/XXXX said that. I requested that she pull the recording and transfer me to a manager. 



I was transferred to another representative by the name XXXX XXXX XXXX stated he is an account XXXX he said he listed to a call on XX/XX/2022 at XXXX where the rep did say I do not qualify however there is nothing they can do about it now he stated he will submit the complaint but I should have consolidated my loan into direct loans by the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX office ran a hard inquiry on my credit report from Experian on XX/XX/2022 in pursuit of retrieving owed debt. They have continued to call myself and work place after I've asked them not to. They've threatened to arrest 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 explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: DE

Complaint narrative:
Received two letters from Ad Astra Recovery Services saying I am seriously delinquent on a loan taken out in XX/XX/2022 from XXXX XXXX I don't know anything about this company nor have I borrowed money from them. 
Company is XXXX XXXX. Amount they say I owe is {$410.00}. 
Ad Astra Collection Agency File # : XXXX I called Ad Astra Collection and they identified the claim by XXXX XXXX and put a flag on it pending notification from you. Their Phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
I have a checking account with a bank name Current i recieved two stimulus checks to this account unknowingly the money sat in the account for over 8 months In XXXX my account was charged XXXXXXXX XXXX  numerous times collecting all the funds from my account i now have XXXX XXXX  in my account The bank is saying they see no fraud in the transactions but every charge have been fraud to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX  Account : # # # # # # XXXX XXXX XXXX XXXX XXXX Account : # # # # # # # # # # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account : # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account : # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account : # # # # # # # # XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX - XXXX XXXX Account : XXXX XXXX XXXX CARD Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX 15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 2022-10-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CCF Intermediate Holdings LLC
State: IN

Complaint narrative:
XX/XX/2022 about XXXX a XXXX called from XXXX and he stated that he was going to send people to my home and work and applied that i might go to jail. I kept asking him if i was going to go to jail he did not reapply as i asked. I was scared, and i was thinking they was going to send people to my job and home. I was thinking who is going to watch my children if i go to jail

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I receive checks from my employer as 1099 worker on the XXXX and XXXX of the month. The past 3 time my checks have been held for 4-5 days. I talked to Bank of America XXXX and was told because 1 of the checks was chargeback so from now on every check deposit will be put on a hold. The problem was it wasn't my fault for the chargeback. My employers went on vacation and was not able to answer the call from their bank. And it was a 1 off incident during my 6 month employment with this employer. As a 20 year customer, I feel that I am being held liable for 1 off mistake that was made by someone else. I should be able to pay bills with my hard earn money.

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 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The card was lost. some of the charges are inaccurate, they closed the account several years ago and charged it off. however they still continue to send me emails stating American Express recently sent me a communication about different settlement options that are available to help you resolve the balance on your account referenced above for less than what is owed. 

These offers are time sensitive so please click the tab below to review and select the settlement option thats right for you by XX/XX/2022. the account has been closed and charge off for several years. but they continue to increase and update the ballanc. the same on the account is spelled wrong. the charges on the account happen in XXXX. I to send me a original contract, the payoff disclosure and the Balance history, payment history to verify the signature that its my account are they need to remove it from my file. again my name is XXXX XXXX XXXX not XXXX XXXX thats incorrect information

Company response to consumer: Closed with explanation