vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/2022 someone applied for a Ikea credit card in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
I will right this Complain To Explain to paypal That I didn't Violate any Rules And User Agreement To my account. First I use my account To recieve payment from my Buyers and Clients.I use this As My only Payment method for my business and also for my work in XXXX. In XXXX XXXX I recieved 2 payments which {$6.00} and {$9.00} which is so small amount of money right?. Where Did the Violation on that Thing?. I didn't Sell any illegal Items And I can prove it through Sending legal documents. I can upload the Nature of my business and work. The problem here is Paypal Banned me Quickly without any further assessment notification. Please review This ASAP because I dont want to open Another Paypal Again to suffer from Hold I use my Money to Help my Family in our daily needs and If paypal continue to ban my Account it will wreck My work and my business please consider that paypal team. 

Heres the reference ID for this Email. 
You can no longer do business with PayPal ( Ref ID - XXXX ) Sincerely Yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: FL

Complaint narrative:
My FCRA rights have continually been violated. I have submitted multiple disputes and a most recently a complaint on approximately XX/XX/2023 ( XXXX ) to the companies involved and they have continuously reported INACCURATE information on my credit report and In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights under 15 USC 1681s-2 ( A ) ( 1 ) specifically 1. XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
As power of attorney ( POA ), I have been trying to get access to my fathers accounts for months. On XXXX XXXX Coinbase emailed asking that I use their secure site to upload copies of the POA and my state issued drivers license. They told me that I must create a separate POA account and the assets would be transferred to that account. 

On XXXX XXXX  I confirmed to Coinbase that the documents had been successfully uploaded and submission ID # was XXXX  and that an account had been created using my email. Hearing nothing, I confirmed that I had completed the requested steps again on XXXX XXXX XXXX XXXX XXXX 

On XXXX XX/XX/XXXX I was told to verify my ID for the new POA account through Coinbase. While I had received confirmation from Coinbase that my ID had been verified when I set-up the account on XX/XX/XXXX, I completed this for a second time on XX/XX/XXXX and again received a note from Coinbase saying the ID was verified. On XX/XX/XXXX, and XX/XX/XXXX I contacted Coinbase to follow-up as the assets had not been transferred. 

Their case # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: NY

Complaint narrative:
I filed a dispute with Chime Bank XXXXXXXX XXXXXXXX XXXX for a charge by XXXX for a canceled purchase. Chime refuses to provide either a written record of the steps taken to investigate my dispute or any update for that matter. XXXX furnished an email proving that the refund was submitted but XXXX XXXX refuses to contact them to verify my complaint. Chime refuses to provide a provisional credit citing 23 F.C.R 1005.11 sub z.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
In 2016 my car was repossessed by Hyundai and sold for more than it was worth. They sent a check for the surplus amount. Months later Hyundai sent my account to collections for the amount of {$9100.00}. When they tried to collect the debt, they told me that it was for the repossession, storage and admin fees. However, when they report the debt, it was included in my original loan amount. Making it seem like I didnt pay {$9100.00} of my original car loan. I have asked Hyundai finance to send me the paperwork for the car sale and they have refused to do so. I have tried multiple times to remove this from my credit report and the bureaus will not remove it. This unfair collection has made it hard to do anything financially and they refuse to remove this debt from my credit report. They are continuously reporting the debt which is manipulating the date for it to fall of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

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

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

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 2023-02-09 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: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
My SIM card was hacked XXXX. Because XXXX allowed it to happen now Im a victim of fraud. They hacked in to my phone apps and charged {$10000.00} or maybe more. They hacked in to my Robinhood account, XXXX account, After pay account, XXXX  account, XXXX XXXX account, XXXX XXXX account and credit card, XXXX  credit card. Its still going because my phone is not working correctly it keeps saying I have no internet connection, my calls keep dropping. I dont even feel safe to even use or talk on the phone. I was also use my phone as a hot spot to use my other phone and by me doing that they hacked in to that phone as well. This is a very urgent matter, this is stressing me out affecting my health and Im already XXXX with XXXX XXXX XXXX. I have made a police report and it should be ready to pick up within 24-48 hours. Please give me a call asap. I will be taken further action with maybe a lawyer because my information was leak since XXXX while I was at work my phone just stopped working. I lost money because I had to leave work and Im losing money because of the hack. Im losing sleep and feeling very sick. Im stressed out. I been with XXXX for almost 9 years, I want to move to a different carrier/port my number asap ( XXXXXXXX  needs to pay my phone off because this was not my fault at all ) and to be compensated for the damages and pain and suffering. Im trying to buy a home and this is effecting me tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
AppleCard, Goldman Sachs Bank received payment on the XX/XX/2023 via the electronic-funds Transfer act in a form a of a 1099 A. The liable party, their Indenture Trustee receive the 1099 A, on the XX/XX/2023, he is responsible for my accounts notes. The Company and XXXX XXXX XXXX accepted the an over-payment of {$30000.00} certificate of indebtedness on the XX/XX/2023, covering the owed amount - {$2700.00}, however my account has not been reflected. Reference Number XXXX INDENTURE TRUSTEE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX Furthermore, Goldman Sachs has suspended my account which is in direct violation of 12 CFR 226.10 - Payments. Which is specified in the terms and condition that they accept nonconforming payment.

( 4 ) Nonconforming payments- ( i ) In general. Except as provided in paragraph ( b ) ( 4 ) ( ii ) of this section, if a creditor specifies, on or with the periodic statemen
t, requirements for the consumer to follow in making payments as permitted under this 226.10, but accepts a payment that does not conform to the requirements, the creditor shall credit the payment within five days of receipt.

PER THE LAW they have 3 days to conform. 

The Company also violated the XXXX XXXX Compliance, by reporting to third- party, Non-affiliated reporting agencies such as XXXX XXXX XXXX XXXX XXXX. In addition, they violated 12 CFR 226.11 - Treatment of credit balances ; account termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XXXX XXXX XXXX  I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXXXXXX XXXX XXXX, Balance : {$15000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance : {$2800.00} ), XXXX XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8900.00} ), XXXX ( Date Opened : XXXX XXXX XXXX Balance : {$4400.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXX, Balance : {$1000.00} ), XXXXXXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance : {$9100.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-02-09 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: FL

Complaint narrative:
My FCRA rights have continually been violated. I have submitted multiple disputes and a most recently a complaint on approximately XX/XX/2023 ( XXXX ) to the companies involved and they have continuously reported INACCURATE information on my credit report and In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights under 15 USC 1681s-2 ( A ) ( 1 ) specifically 1. XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-09 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: FL

Complaint narrative:
My FCRA rights have continually been violated. I have submitted multiple disputes and a most recently a complaint on approximately XX/XX/2023 ( XXXX ) to the companies involved and they have continuously reported INACCURATE information on my credit report and In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights under 15 USC 1681s-2 ( A ) ( 1 ) specifically 1. XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Tried to update inaccurate personal information such as my address and other credit bureau has updated as such. Except for Equifax. Kept refusing upon me sending proof with correct address. I express that information was inaccurate for address on file they sent me mail at the correct address but still have inaccurate information on my profile. 
I called back in XXXX also sent proof for information to do so with no avail nothing has been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist bank has charged me {$390.00} in overdraft fees in the past 2-weeks which has hindered my ability to keep my employees and meet payroll. Our work volume decreased by 90 % because of the feds rate hikes. I deposited enough money to cover the drafts but the way they apply fees kept my balance in the negative allowing more overdraft fees to be charged.

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 2023-02-09 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: MI

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

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

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 2023-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Paid bill in full on XXXX ( attached bank statement for proof ) Received a {$30.00} late fee bill. XXXX XXXX XXXX called was told this would be removed. XXXX another bill with additional fees called again would be removed,XXXX looked online not removed, talk to XXXX # XXXX told me all would be removed, XX/XX/XXXX XXXX XXXX XXXX  said she would remove yet another charge of {$1.00} ( that was removed but not {$60.00} ) XXXX XXXX told me I had a XXXX balance. Looked online now have a XXXX   balance. Started contacted by email XXXX I am not getting a straight answer as to why this was not removed after providing proof of my bank statement where bill was paid in full and on time. 
Since I submitted proof and have called and email they are still saying that they are going to notify the credit bureau and I still owe the money -- -which I DO NOT!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
In XXXX of XXXX PHH mortgage company took over my mortgage ( not my choice ). The company has the incorrect parcel ID and sent my tax payments to the incorrect borough for the taxes to be paid. The check was returned and I was never informed of this until I received A late notice from the borough in XXXX XXXX XXXX. I have been trying to get this situation rectified since XXXX and the Only thing I am Ever told is that its under investigation after reading XXXX reviews- this mortgage company is known for this same issue with other customers. My taxes are now delinquent- have been sent to collections and I have gotten absolutely no where with this company. They act like they are working on it but nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I filed a complaint with the CFPB about Wells Fargo 's handling of my mortgage concerning the covid 19 motgage payment suspension period, I complained that Wells Fargo added money to my mortgage, money that I did not borrow, but a penalty for using the Covid mortgage payment suspension. Wells Fargo 's answer was to create virtually a second loan account for the assesed penalty. Again I must complain about this, The implied Covid mortgage payment suspension was that mortgage payments would be suspended and resume after the alotted time period without penalty. These terms were implied and I and I am sure many others are appaled that an important government social contract in time of Government Mandated Shut Downs, would be used to defraud the home owning public. 
No penalties should be assesed, and if they are allowed to be then the Government should be the one to pay those penalties. It was the Government who shut the country down, and tried to mitigate the loss of personal income by coming up with this program and other programs to help with the loss of that income. 
The adding of money owed or " borrowed '' to my mortgage account, when I never borrowed more, is not only improper but imoral.

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 2023-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I was going to enroll in a data analysis course with XXXX in XX/XX/2023, and XXXX set me up with their financial company partner ( Affirm ) for a $ XXXX loan. 
I later contacted XXXX with in 7 days period which was in their policy that I am no longer interested in the class, that I no longer want to enroll for the class. 
I called on XX/XX/2023, at XXXX EST and at XXXXXXXX EST to let you know that I am not interested in the XXXX XXXX XXXX XXXX XXXX XXXX program anymore, the sequel to the offer you gave me on XX/XX/2023. " XXXX XXXX '' was the guy that enrolled me, and he said " it is not possible '' for me to pull out, and I told him that he can not force me to be in the program, and in addition, that was within seven days of their policy to notify him. 

I called again on XX/XX/2023, at XXXX EST to reinforce my decision that I am NOT interested anymore in the program. He mentioned that I should give you till the XXXX or XXXX of XXXX, XXXX, so that you can guide me on how to apply for the refund, because my loan was already set up with Affirm. He did not call, I called him and he ignored all my calls, I emailed and he did not respond, so I called Affirm to let them know I have contacted XXXX that I will not be enrolling in the class anymore. Affirm motioned that a case will be opened and they will investigate and make a decision within 15 days. I have not heard from them, and the first payment was due on XX/XX/2023, and the payment is showing as though I defaulted, and this will affect my credit score/report. I have opened a case with Affirm, and it is as if they are not doing anything. I reported XXXX to XXXX, and simplilearn responded that they will reach out to me and resolve the issue with me, but no one ever reached out. I have a loan in my name which is showing that I defaulted, but I never did.

Company response to consumer: Closed with explanation