vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Payfare International Inc.
State: LA

Complaint narrative:
XXXX XXXX  XX/XX/XXXX XXXX {$99.00} XX/XX/XXXX XXXX {$48.00} XXXXpayfair refuses to credit these refunds to my account. I have tried daily for 14 days, now they say since it's outside 10 days, I'm out of luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Opened a CareCredit account about 2 years ago to help pay for my dental work. 
In XXXX of 2022 I was charged almost {$1700.00} in finance charges due to the fact the card had a temporary no interest fees that I was not aware of. Tried to get help from the card company, missed 2 payments and they closed my account and submitted 11 late payment incidents to my credit report, my credit score dropped XXXX points and they closed 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 monetary relief
Consumer complaint received 2023-01-13 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: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.

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 2023-01-13 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: FL

Complaint narrative:
I've identified information on my credit report are a result of identity theft. these items are nonrelated to any transactions completed by me. 
XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-13 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: TX

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX Texas XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Company tried forcing me to use XXXX savings accounts in an attempt to slander & defame my character via denying my application by failing to identify me by forcing me to " unfreeze my reports ''

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 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
This CFPB complaint is in regards to my Checking and Savings account with M & T Bank. I deposited money into my accounts in XXXX and XXXX of XXXX  My current balance is {$49000.00} in my Checking and {$45000.00} in my Savings, a total of {$95000.00}. 

There has been a hold on my account since at least early to mid XX/XX/2022. I am not able to even transfer money from my Checking to my Savings, or withdraw money from M & T. 

Despite a visit to an M & T Branch and many phone calls to customer service, M & T has been unable to put me in touch with the department who placed the hold, and this department has made no attempt to ask me for any type of verification. An employee at a local M & T Branch, located at XXXX XXXX XXXX, XXXX, VA XXXX, has been trying to help me. She has been very responsive ; however, she has informed me it is up to an internal department who is very difficult to reach. Therefore, no progress has been made. 

In summary, I have a total of {$95000.00} frozen in my M & T accounts. The M & T department who placed the hold has never officially communicated this to me, and has made no attempt to resolve it, despite my constant attempts for the last 4 weeks. I need to access this money. 

Please ask M & T to unfreeze my account so I can access my funds. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Not only was I not given proper notification bi law u are now at the seven year mark allowed bi law for you to report to my credit. Please remove it from my credit law is not from you purchased the debt law is from the first day of missed payment which obviously I was in prison since 2016 you cant Have it both ways

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I spoke with Capital One on XX/XX/23. I was advised that my account was being closed due to a returned check. My payroll was deposited the same day. They froze withdraws and send the money would be sent via check. This never happened. To date I have spoke with them 6 times, emailed 3 times and chatted on XXXX. Nobody has returned my money. The balance is {$910.00}. 

The number the account says to call is voicemail. I've left 3 messages and my money is still not to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: CA

Complaint narrative:
THIS ACCOUNT IS REPORTING A LATE PAYMENT FOR XX/XX/2022 AND I WAS NOT LATE. THIS HAS CAUSED MY CREDIT SCORE TO DROP AND NEEDS TO BE CORRECTED. I ALSO LEARNED ABOUT THE HERO 'S ACT AND THERE ARE NOT SUPPOSE TO BE ANY LATE PAYMENTS REPORTED TO CONSUMERS REPORTS DURING THE PANDEMIC SO WHY IS THIS REPORTED?

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 2023-01-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
THIS ACCOUNT IS REPORTING A LATE PAYMENT FOR XX/XX/2022 AND I WAS NOT LATE. THIS HAS CAUSED MY CREDIT SCORE TO DROP AND NEEDS TO BE CORRECTED. I ALSO LEARNED ABOUT THE HERO 'S ACT AND THERE ARE NOT SUPPOSE TO BE ANY LATE PAYMENTS REPORTED TO CONSUMERS REPORTS DURING THE PANDEMIC SO WHY IS THIS REPORTED?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: TX

Complaint narrative:
I have two accounts on my credit that I am not responsible for. I have no knowledge of these accounts and they are fraudualent. 

1. XXXX XXXX XXXX # XXXX {$710.00} 2. UNKNOWN # XXXX {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: TX

Complaint narrative:
Hello, The following accounts listed below do not belong to me. 
Please remove both accounts completely from all three credit bureau 's. 

XXXX XXXX  - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Thanks in advance for your assistance regarding this request. 

My contact information is as followings : XXXX XXXX XXXX Mobile phone : 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 2023-01-13 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: CA

Complaint narrative:
MY NAME IS XXXX XXXX AND I NEED TO SUBMIT A COMPLIANT REGARDING A LATE PAYMENT REPORTING ON MY CREDIT FILE. XXXX XXXX SAID I WAS LATE FOR THE MONTH OF XXXX AND I HAVE PROOF SHOWING I MADE A DOUBLE PAYMENT. MY PREVIOUS COMPLIANT WAS CLOSED WITHOUT A VALID REASON SO I'M SENDING IT AGAIN. I ALSO LEARNED ABOUT THE HERO 'S ACT AND THERE ARE NOT SUPPOSE TO BE ANY LATE PAYMENTS REPORTED TO CONSUMERS REPORTS DURING THE PANDEMIC SO WHY IS THIS REPORTED?

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 2023-01-13 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: TX

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
Where do I start? This company is a scam and takes advantage of people with bad credit. In XX/XX/XXXX, my husband and I desperately needed a car and took out a loan from One Main Financial. The loan was for {$10000.00}. The car that we purchased was only about {$4500.00} so we the rest of the loan we took and put it towards the balance of the loan.

A couple of months later, I checked the balance and noticed that the balance wasn't really going anywhere. So I gave One Main Financial a call and the lady advised me not to worry that the balance went toward the car and that interest was accruing daily. She advised me to keep the interest down, I would need to make small frequent payments and that's actually what I did. 

Yesterday ( XX/XX/XXXX ), my husband and I called because we wanted to completely pay off the loan but realized the payoff amount was {$1000.00} more than the balance ( even though we have been paying on the interest for a year )! Mind you we have been paying on the interest and the principal balance was not moving. When we got on the phone with the lady, she was extremely rude and told me that since we made a big payment we may not be eligible to make payments on the principal balance. What?!!? And if I was eligible, we would have to come into the office to make a principal-only payment.

She kept trying to argue with me and I told her this was not properly explained to me nor was the amount of interest that we were paying. This company is taking advantage of people who need money right away. She continued to tell me, " well any loan that you have is going to have an interest. '' I told her I understand that but you are continuously adding on interest. 

This was not properly explained to me during the loan signing process and I believe they are making XXXX of dollars off of fraudulent finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
On XX/XX/2022 a credit card was opened with Navy Federal Credit Union without my knowledge using my Name, DOB and SSN. for {$25000.00} credit limit. I feel Navy Fed DID NOT follow red flags rules! The account is closed however it has ruined my credit. 

I have notified all XXXX credit agencies. I have filed a police report with XXXX XXXX  XXXX. In XXXX, Oregon. 

filed with : XXXX XXXX Badge XXXX Case # CPD XXXX How can a bank issue a credit card by only verify DOB and SSN? How about checking address? especially since I have never banked with Navy Feds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
My credit scored dropped XXXX points because someone opened up a auto loan under my name and I had no knowledge of it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: TX

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX Texas XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: TX

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX Texas XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-13 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: GA

Complaint narrative:
NOTICE OF DISPUTE The following accounts need to be deleted. The negative remarks from these were reported in bad faith, thus preventing me from obtaining credit so I can take care of my family. * XXXX XXXX XXXX opened XXXX XXXX, * XXXX XXXX XXXX opened XXXX XXXX XXXX, * XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX, * XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, * XXXX XXXX XXXX  XXXX opened XXXX XXXX, XXXX. * XXXX XXXX XXXX XXXX opened XX/XX/XXXX. * XXXX XXXX XXXX XXXX, XXXX. * XXXX XXXX XXXX opened 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 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: First Technology Federal Credit Union
State: VA

Complaint narrative:
I opened my checking account on XX/XX/2022 under a promotion with following requirements : Receive a {$200.00} bonus when you set up a direct deposit. Must be set up within 60 days of account opening and receive 3 recurring direct deposits within 120 days. 
Get 10 % of qualified purchases up to a combined total of {$150.00} ( {$50.00} maximum per category ). The three categories are : groceries, online streaming subscriptions, and food delivery. 

For the direct deposit part, I met the requirements by maintaining 3 recurring direct deposits for XX/XX/2022 to XX/XX/2022. And based on the terms of the promotion, they said the bonus should be paid out around 120 days after opening the account, so on or around end of XX/XX/2022. 

I chatted with the bank and asked for the status. Their response was as below : " This member did not maintain their direct deposit through the 120 day tracking period of the campaign. Tracking went into XXXX, the member stopped receiving direct deposit in XXXX. According to the disclosure At least three recurring direct deposits must be completed w

ithin 120 calendar days of Enrollment and direct deposit must be maintained for 120 calendar days after Enrollment. The terms above about tracking period is not in the disclosure and is totally misleading. I was under under the intent of receiving the offer upon meeting the requirements all this time. Please look into this matter.

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 2023-01-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX, A CELL PHONE ACCOUNT WAS OPENED ON XXXX XXXXTHIS ACCOUNT IS REPORTING ON MY EXPERIAN ACCOUNT INCORRECTLY . THIS ACCOUNT DOES NOT BELONG TO 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 2023-01-13 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: CA

Complaint narrative:
MY NAME IS XXXX XXXX AND I NEED TO SUBMIT A COMPLIANT REGARDING A LATE PAYMENT REPORTING ON MY CREDIT FILE. XXXXXXXX XXXX  SAID I WAS LATE FOR THE MONTH OF XXXX AND I HAVE PROOF SHOWING I MADE A DOUBLE PAYMENT. MY PREVIOUS COMPLIANT WAS CLOSED WITHOUT A VALID REASON SO I'M SENDING IT AGAIN. I ALSO LEARNED ABOUT THE HERO 'S ACT AND THERE ARE NOT SUPPOSE TO BE ANY LATE PAYMENTS REPORTED TO CONSUMERS REPORTS DURING THE PANDEMIC SO WHY IS THIS REPORTED?

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