vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

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 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: KEYCORP
State: OH

Complaint narrative:
Applied for a mortgage loan and locked in an interest rate in XXXX after getting a pre-approval letter and having an offer accepted on a home. Was not told during the pre-approval process or anywhere during the start of the loan application process that I had the option of waiving escrows to reduce my closing costs. After receiving my first loan estimate, was told that I would need to produce additional proof of " reserve '' funds to be available at closing in order to get through underwriting. At that point, asked if waiving escrow was an option and was told by the loan officer ( XXXX XXXX, XXXX # XXXX ) that this was an option, but he would be 1 ) taking away a " lenders credit '' and 2 ) adding a new " loan fee '' in retaliation for my waiving escrows. This loan fee was NOT mentioned anywhere on my initial loan estimate, the revised loan estimate, or the initial closing disclosure ( the latter of which also had a number of other accounting inconsistencies ). Two days before closing ( XX/XX/XXXX ), I still have not received an updated closing disclosure and have not been given a justification for why they are adding this NEW loan fee that they did not previously disclose on paperwork anywhere before. Extremely unprofessional experience dealing with XXXX, who lacks attention to detail, and KeyBank, who have added new fees out of nowhere, without disclosing all my options at the start of the loan process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: MA

Complaint narrative:
Received a card in the mail on XXXX XX/XX/2023 from U.S. Bank with my name on it at my address. 

At no point have I ever applied for any such card or had any contact with U.S. Bank, No email, url, or phone number was provided with the fraudulent card from U.S. Bank. This, made it impossible to for me to deal with them directly. Furthermore, the address provided was a Post Office Box only to interfere with my reporting this fraudulent firm to the local police and filing a criminal complaint.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1691 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents 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 2023-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Prizm Financial Company, LLC
State: OH

Complaint narrative:
Please note, this car is in my mothers name but is not her car, I am the one who pays for this car, this car is somewhere where I know it will stay, I own the car and cosigned on it because it was purchased when I was younger. 

PRIZM financial has been rude, threatening, and not flexible at all. 

They have been sending email after email after email, dates specified below and I am NOT EVEN A MONTH LATE. 
Prizm Late Payment Emails : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have also been rude and threatening. I have since called them and tried to figure out how to make a payment. On this call, I let them know that the very near date that they were asking me to make the payment I could not do. I asked to make a different or later payment or what to do when I can not make the payment and I was met with silence and a very slight delay in the payment needed. 

I even said on the phone that I would " try '' to have the payment at that time. I was unable to make it and the company is now threatening saying " either make a payment or clean out our vehicle '' ( I have that email saved )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
all the negative items that I have, have been updated due to the CFPB Breach and this violates code 1681 I please remove all negative attachments

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 2023-05-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filling report because there are several credit inquiries on my credit report that are not authorized by me and I did not give any permission to non of the companies involved, this is a total violation of my consumer rights and i would like all the following inquires to be remove as soon as possible. 

XXXX XXXX XXXX XX/XX/2023 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: FL

Complaint narrative:
I am filling report because there are several credit inquiries on my credit report that are not authorized by me and I did not give any permission to non of the companies involved, this is a total violation of my consumer rights and i would like all the following inquires to be remove as soon as possible. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Albert Corporation
State: CA

Complaint narrative:
ATTENTION! 
There were payments made by Albert XXXX and Albert Savings Web to my XXXX XXXX  account that I NEVER set up nor did I ever have an account with them. I've since closed the bank account and disputed all the charges. They performed fraud and I will be reporting this to the FTC. 

This company is performing fraudulent payments on individual 's checking accounts and needs to be STOPPED. I am reporting this company to XXXX, and ftc and others. You should not be listing this as a valid financial company. 

XXXX XXXX XXXX XXXX of Albert XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Dear PayPal, I am writing to submit a complaint regarding the permanent limitation of my PayPal account with the email address XXXX. I believe that this limitation has been placed by mistake and that I have not violated any of PayPal 's policies. 

Firstly, I would like to stress that I have always adhered to PayPal 's policies and regulations. Therefore, I am confident that no infringement has been committed on my part that justifies the limitation of my account. The sudden and unexpected limitation of my account has caused me significant inconvenience and financial losses. 

I respectfully request that you re-examine my case with a view to lifting the account limitation. I believe that there may have been a misunderstanding or miscommunication that led to the limitation of my account. As such, I would appreciate a thorough investigation of my account to ascertain that I have not violated any of PayPal 's policies. 

I would like to highlight that my PayPal account is essential for my daily transactions and online activities. The limitations on my account have caused me undue hardship and have severely affected my business operations. 

Therefore, I would like to kindly ask PayPal to reconsider and reinvestigate my case as soon as possible. I am hopeful that upon further review, you will find that the limitation placed on my account was unwarranted and that my account will be restored. 

Thank you for your time and understanding. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Paid off XXXX XXXX on XX/XX/2021 - received a letter from XXXX XXXX stating that my acccount has been paid off in full with a {$0.00} remaining balance. XXXX has been reporting that I have a balance on account that is constantly changing. No other charges have been made since the account was paid off. Every time I call to dispute and ask why, they tell me they will clear out the balance and all should be taken care of - and then the next month I will receive another statement with some sort of balance. This has been going on for over a year and has affected my credit.

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 2023-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have an old Capital One card i never used. 
I received the XXXX  XXXX  monthly statement with a {$39.00} annual fee and promptly called to cancel my account ( see attached ). 
I shredded the card thinking everything was good to go. 

I just checked my credit and they have been adding late fees and reporting to the credit bureaus 30, 60, and 90 days late! 

The balance has now grown to {$150.00} with added late fees on an annual fee! 

Most importantly, I have received ZERO communication from Capital One for the past 5 months advising of a delinquent account. To my knowledge, this is a blatant violation of the FCRA along with other banking regulations. My wife- XXXX XXXX- is an authorized user on this account and her FICO has also been significantly impacted by this issue as well. 

I have contacted customer service requesting escalation of the issue as the agent who answered was clueless with regards to credit reporting and the damaged incurred by their blatant mismanagement of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma had a XXXX dollar guarantee if you applied for a credit card and did not get approved. I applied did not get approved and never received the XXXX dollar gift card, I have reached out to this company almost half a dozen times via live chat and they always tell me you will be emailed, and i never receive an email. I submitted a complaint with the support email one week ago and still have not gotten a response. I believe this company may be fraudulently offering a XXXX dollar gift card in order to get you to apply for credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: NC

Complaint narrative:
My research on FCRA 605 indicates that credit bureaus are required by law to remove and eliminate any items that are discovered to have been opened as a result of identity theft. Again, it looks that my credit with you has been compromised. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following items must be taken away by CREDIT BUREAUS : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX  XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CT

Complaint narrative:
Hello my name is XXXX XXXX on XX/XX/XXXX I made a transation with a seller whos my friend for XXXX dollar payment and XXXX dollar payment on XX/XX/XXXX for a commission through XXXX which is directly connected to XXXX, when I received the product I was not satisfied so I asked for a refund from the seller and got it back the same day, unfortunately my account was also limited the same day on XXXX because I got too much back at once but this does not affect the refund policy from XXXX, I paid directly from my debit card the refund said it would return to the inital form of payment which was though my debit card from my card company. It had said it would take 5 business days to come back and on XX/XX/XXXX it said it arrived at XXXX and XXXX respectively for both but never appeared in my account, each of the payments say they got refunded and even today XXXX called me personally to tell me it was been refunded and they are investigating it even further and have been very helpful and understanding with all the relative information because it just has not shown up in my account and they are very considerate about this situation when I filed my complaint to them and called, I was not worried at first because it said it can take up to 30 days for the card company to put it in which would have been on XX/XX/XXXX, XXXX at first told me that quote when viewing the case initially After reviewing your account, we found that transaction amount {$1000.00} USD is an authorization and not a refund to your credit card. An authorization is a temporary hold of money and not a completed charge. Please contact your credit card issuer to request they release authorization XXXX as we can not complete it which I understood so I Called my card company the money network which is headed by XXXX bank and asked on multiple occasions if they are holding that money from a authorization and if they can release it, but they have told me no we can not do much for you since the transaction details for certain XXXX transactions do not show up the the companys app they can not release it, both payments made are not showing up on my cards transaction app so they are not looking into it further and not helping me with that huge amount stuck in limbo because they cant authorize the refund I was already given by XXXX probably 3 plus weeks ago at this point. Or its something else that isnt allowing them to send the XXXX back but it very much seems that my card company money network and XXXX bank are to blame in not returning my funds as of this moment

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 2023-05-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I received a copy of my credit report and found the following items to be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself

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 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: FL

Complaint narrative:
I have called both Tempoe LLC ( Original Creditor ) and XXXX XXXX XXXX XXXX XXXX XXXX ) regarding a collection account to attempt to settle. When I contacted them, the only information they had was my name and an old address. They could not validate the debt. I believe they are fraudulently trying to collect a debt and damaging my credit. They keep telling me to call each other and I have spent hours reaching out to get this taking care of which they have no information on. I have a call log if requested and have disputed this multiple times through all 3 collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1691 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-05-01 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1691 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation