vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) Im now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: GA

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CORELOGIC INC
State: IL

Complaint narrative:
Companies have failed to protect my personal private information as the consumer, see attached.

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 2024-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
To whom it may concern, I, XXXX XXXX am writing a complaint against PayPal for not resolving into my issues regarding to the transaction of depositing the account since Friday XX/XX/year>. I am extremely frustrated and the fact the customer service did nothing to help to resolve this issue was beyond unethical of business practices. As I am a customer myself had been trying all day to deposit my funds into the account as I was told by the customer service they would help me resolve it within 24 hours and its been over 24 hours and they still have not fix the issue and I was not able to add any funds to my account due to the consistent error message I kept receiving stating " Right now, we're not able to complete this transaction. '' several times and nothing has been resolved. my experience with this service leave me no choice but to make this complaint for better business informational purposes and the dissatisfaction of the customers leaves me no choice but to close my account if I do not hear anything from this company PayPal. My request is that you either resolve and fix the issue that needs to be immediately addressed or you will risk losing customer like myself and losing your reputation of your company as a whole. I will make sure I will share my horrendous experience at PayPal with friends and family of how horrible this service is and to NEVER sign up for this service for their atrocious, the most disastrous and the most unethical customer service EVER AGAIN. if I could I would give them NEGATIVE STARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am a XXXX senior on fixed income. On my Chase accounts, I have my daughter as secondary. I have complained about this before to you, BUT issue persist!!!! Because of my poor vision, I need paper statements. My daughter prefers paperless. SO, issue is the bank makes my accounts paperless also!!!!! As I stated I have complained before to bank & through your system. Since I am " Primary '' on the account I want my directives to be respected & honored!!!! With today 's technology, there should be a way for this to occur! Please can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I would like to follow-up on my complaint I submitted to CFPB ( ID # XXXX ) on XX/XX/XXXX against Citibank for the international money transfer of {$100000.00} in US Dollar currency from the US to a US $ account to a XXXX  bank ( XXXX XXXX made on XX/XX/XXXX. 

I went to the XXXX on XX/XX/XXXX but found out that Citibank transferred the money in XXXX  currency. XXXX returned the money to Citibank ( reason : wrong currency ). I lost US {$4000.00} due to this erroneous transaction. 

I returned to the US on XX/XX/XXXX, but found out that CFPB closed my previous complaint. I would appreciate it very much if CFPB would re-open this complaint and Citibank to reimburse my account in the amount of {$4000.00}. 

Sincerely, 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 explanation
Consumer complaint received 2024-05-18 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: OH

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Time Investment Corporation
State: NC

Complaint narrative:
Account # : XXXX Today I was contacted first thing in the morning by this company around XXXX and was harassed/threatened over falling behind on my payment. I respectfully reached out to them after being told I was eligible for a deferral, via text message from the company, to let them know what's going on and to make an arrangement to get back on track. 

It was at this point with the first woman I spoke with, that I was aggressively pressured and rudely cut off mid sentence, interrupted multiple times, while trying to explain my current circumstances and what I'm able to do for them at this point, and told that I WAS NOT eligible for a deferral and that they must have made an error in that telecommunication, and that I needed to pay a certain amount by the end of the month or face legal action via the court. 

After attempting to explain again that I still had all intentions on fulfilling my financial obligations and that I am trying my best to resolve my current financial issue to get back on track, she once again disrespectfully cut me off and attempted more coercion and threats to make me pay a certain amount immediately. She then asked me to hold and transferred me to a different woman who rudely attempted the same tactics. 

This experience was ridiculous and demeaning. This company is aggressively excessive in their communication tactics and this company is quick to use acts of coercion and threats of legal action, courts and lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: FL

Complaint narrative:
Dear DISCOVER BANK, I am demanding the removal of this following charge-off account listed DISCOVER BANK, ACCOUNT # XXXX OPENED ON XX/XX/XXXX AND ACCOUNT # XXXX OPENED ON XX/XX/XXXX. Charge-offs are considered as an income according to the IRS. Income can not be reported on my consumer credit report. This is considered an inaccurate account, and this is defamation of character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I had a credit card with TD bank account was closed I paid for deleting n it never got delete on my credit report account was opened XX/XX/XXXX and was closed XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc.
State: GA

Complaint narrative:
A correspondence purporting to allege a debt claimed by : SIMM Associates, INC A written notice was sent as a response to SIMM Associates, INC to their Fair Debt Collection Practices ' Act notice that SIMM Associates, INC are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt.

The notice also Demanded that SIMM Associates, INC " cease and desist '' collections activities prior to validation of purported debt and that SIMM Associates, INC must validate the claim of an alleged debt by providing the following : 1. Full Disclosure 2. Equal Consideration 3. Lawful terms and Conditions 4. The wet ink signature of both parties

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score and has been hurting my ability to obtain credit. I also need to refinance my vehicle because I am getting drowned by the interest rate. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. If you can not provide this information delete this account immediately. Please send me an updated copy of my credit report after your reinvestigation. 


Account name : XXXX Account 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 explanation
Consumer complaint received 2024-05-18 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: TX

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: NJ

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX XXXX, I am demanding the removal of this following charge-off account listed XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED ON XX/XX/year>. Charge-offs are considered as an income according to the IRS. Income can not be reported on my consumer credit report. This considered as an inaccurate account, and this is defamation of character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Since XX/XX/2023, Navy Federal has been charging me excessive interest fees XXXX  per month. I have been charged a fee of {$72.00} and {$32.00} every month since XX/XX/2023. This card is not being used and the account has been closed for almost a year. I dont ' recall being charged these excessive charges upon receiving the credit card. I believe these charges are excessive, and needs to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My bank account was closed by Citi Bank I tried for XXXX to get the money that was still in the account that was from my last paycheck from my old job which I've still yet to receive they claimed multiple times to have mailed a check but I never got anything. When I was on vacation in XXXX XXXX at XXXX XXXX I visited a branch of theirs and provided all information and the bank still refused to give me my money it's been over XXXX and now they have completely stopped communicating with me and refusing to give me my 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 monetary relief
Consumer complaint received 2024-05-18 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: GA

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Information reported on credit report due to illegal foreclosure in XXXX and XXXX Asked for Loan modification help information was lost in their system HUD did there investigation My information was last in there system After loan was brought current My house was still listed on XXXX for sale Spoke to the XXXX XXXX XXXX XXXX House to brought down the same day the loan is brought current Negative balance of XXXX in escrow in XXXX I believe. 

Received a check from Wells Fargo for overage in escrow for XXXX Now I am XXXX short in escrow

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 2024-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have XXXX cards with synchrony. Tj Maxx, Amazon and park west. I have not used my tj Maxx card in many months, never missed a payment on any card, never make minimum payments and pay them down regularly. I used my tj maxx card for {$110.00} that had a, I think {$1200.00} limit and then the next day they reduced my limit to {$120.00}. This made my credit utilization basically 100 %, it was {$100.00} I just paid it off. They also did this to my Amazon card. It had a {$5000.00} limit. There was a balance of I think {$2400.00} on it which I pay regularly, large payments on. I spent {$300.00} and the next day they reduced my limit to {$2800.00}. With a {$2700.00} balance, this put my card utilization at basically 100 %. How is this legal? How do they not have to give you 30 days notice so that it's not damaging to your credit. The letter they sent said I had high balances on my cards, I do on one because it's interest free and I had just paid for a vacation on another so it was high for a few days until I made a payment. By allowing them to do this without giving any notice based on high card limits for other cards it creates an incredibly damaging chain reaction. So what they did is put XXXX cards at 100 % what if that decision caused my other card companies to do the same so then everyone reduces my limit to what I owe, now all my cards are at 100 % usage with out me even having notice or an opportunity to pay anything down and it destroys my credit. This is completely unethical. They should be required to give 30 days notice. Like hey we're reducing your limit to what you owe in 30 days so you need to pay down what you can so it doesn't have a negative impact on your credit. Is there someone that can fight for this change. People work a long time to build their credit and some store card can just ruin it all in a day. None of my other card companies have lowered my limits because I always pay but that doesn't mean that this hasn't impacted my credit because this happened without giving me the notice or opportunity to address it before it could. Please help me and every other hardworking american not be a victim of this terrible business practice. What can I do? Who can I talk to about making this change? 30 days is a reasonable request.

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 2024-05-18 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: SC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) Im now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your understanding and prompt action.

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 2024-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
This education was fraudulent. It was declared by XXXX to be a for profit college that used high-pressure tactics to gain enrollment. More than 2/3 of my loans were registered as private the other 1/3 was attained as federal. My federal loans have been forgiven due to these practices, but I still am paying over {$400.00} a month in private loans for a fraudulent education.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridge IT, Inc.
State: FL

Complaint narrative:
I am demanding written proof of me as the original creditor giving you consent to furnish this negative account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report without my consent and refusal to remove this account is now consisted to willful noncompliance with the FCRA laws. This is defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Dear PNC BANK CARD SERVICES, I am demanding the removal of this following charge-off account listed PNC BANK CARD SERVICES, ACCOUNT # XXXX OPENED ON XX/XX/2021. Charge-offs are considered as an income according to the IRS. Income can not be reported on my consumer credit report. This is considered an inaccurate account, and this is defamation of character. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: GA

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing in reference to XXXX # XXXX, where I dispute the decision made by Capital One. I accidentally made the reservation on the wrong day and never occupied that room at the referenced hotel. It is not fair for me to pay {$620.00} for a room that I never used, and I am sure that the hotel rented it to another guest. I appreciate your consideration of my situation, and I hope we can come to a favorable resolution for a long-time Capital One customer. 

XXXX XXXX capital one credit card number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation