vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To my surprise, I found that I have been charged {$20.00} per month since XX/XX/2018 for an Experian account that I was entirely unaware of. I was shocked to learn about this situation as I have never knowingly signed up for any Experian services. 

For my credit monitoring needs, I have been using MyFico for quite some time, which has provided me with reliable and comprehensive credit monitoring services. I have consistently relied on MyFico to keep track of my credit score and related activities, and I have never sought nor used any services from Experian or any other credit monitoring provider. 

It appears that I have been mistakenly enrolled in an Experian account without my knowledge or consent, leading to these unauthorized charges on my credit card statement. This situation has understandably caused me great concern and frustration, especially considering the length of time these charges have been occurring without my awareness.

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 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IN

Complaint narrative:
Hi I had a refund on XX/XX/XXXX from the IRS go to my chime banking account. I opened the account because I didnt have a bank account at the time and I heard with Chime bank you could get your refund faster,, however after receiving the refund Chime closed the account on XX/XX/XXXX. I contacted customer service sent them all documents they required to reopen the account, once doing that they still refused to open the account. I made one transaction on XX/XX/XXXX from the account and sent my money cash via person to person transfer to a family member. It is nowXX/XX/XXXX and I have yet to receive my money from them, they keep lying saying they mailed the check. I was told today the check has not been issued and keep getting the runaround, this bank has stole XXXX from me and keep transferring me to different departments. I was told 2 weeks ago the check was mailed and it will arrive in 3-5 business days, please help me retrieve my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: First Help Financial, LLC
State: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I file this complain against American Express : ( 1 ) The highest interest rate ( 29.99/ % ) ( 2 ) The highest fee charge ( {$39.00} ) ( 3 ) Bad business practice behavior ( email, online payment, chat, issue handle, etc. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Three Bank of America Business Bank Accounts opened fraudulently in our Company name, XXXX XXXX, using our correct Tax ID. We attempted to have the accounts closed by reporting this to the Bank of America Fraud line, and each time the Representative terminated the call after long waits. Today, we visited a local Branch to have the fraudulent accounts closed, and after waiting several minutes in long lines, left again with no action taken. 
This is an urgent priority for our small business- but we can not get Bank of America to resolve this expeditiously.

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 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/XXXX, I reached out to Venmo via email stating I didn't recognize a charge on my account. I reached out an hour later to state that I remembered making the purchase and could provide the receipt and ID verification. My account has now been frozen since then ( 9 days, 7 business days ). 

They have emailed once stating they would update me in 5 to 7 business days ( today ) but have not. I called and was told the people who handle freezes don't have phone numbers and to wait 7 to 10 business days. 

My rent is late. I've been out of my meds and food for days. The freeze was initiated by me. I want it taken off or for someone who can unfreeze it to speak on the phone or be available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: Paypal Holdings, Inc
State: MO

Complaint narrative:
Hello, I'm writing to you for help concerning my venmo account. My uncle sent me XXXX dollars to help me with the purchase of a vehicle. I tried to transfer the money to my debit card and venmo then told me that I had violated the user agreement same and suspended/froze my account. I can't take your demo to find out what I had done that violated the user agreement to be given no answer and then told that my account was permanently deactivated and that I could no longer use Venmo. On or about XX/XX/2023 I sent an email to the venmo support team because contacting them are directly you can not talk to anyone at all about your account it is a whole separate team that deals with it and you can not speak to them on the phone you have to reach them through email.. I emailed them an email asking them what it was that I had done to violate your policy with no answer being given I just received an email back stating that they could hold my funds for up to 180 days for lost prevention reasons which is complete crap.. I do believe that I am the only one who is missing out here and who has lost anything. They have caused me to not be able to get my vehicle therefore I have missed out on so much money from work that I'm really not sure how I'm surviving except for with the help from friends and family. Since then I have XXXX emails sent between myself and Venmo 's " team '' me asking them to please just let me transfer the funds to a different card and I would close my own account they didn't have to because I don't want to be a part of it any longer. Today XX/XX/2023 they sent me back an email stating that they would consider the case closed and they would not respond to me any longer that they would send me an email to my emil aaddress if my funds were ever available to transfer in the future.. this is not at all what a business should do to their customers especially a business with a huge name like Venmo. I do not recommend Venmo to anyone and I would like this to be taken care of immediately. I want my funds off of the account and I will be extremely cautious about any online card or bank or anyone who has control over my money. I am so unhappy about this. It is completely ridiculous and not professional whatsoever in any way, they should not be allowed to do this to their customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Account with Capitol One - fraudulent charge of XXXX - called capitol one they can't do anything as the charge is pending, even though they deducted the amount from my account. It doesn't matter that I may have other legitimate charges coming thru on my account that will not be honored now. 

I'm supposed to call claims, the recording says the wait time is 10 minutes, it is now 19:11 minutes and adding. 

It makes no sense at all that they can deduct the amount from my account but can't put in a claim as it is " pending ''. Pending should mean that the amount is not deducted from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I would like XXXX XXXX XXXX XXXX removed from my credit profile this account is paid in full and was supposed to be deleted if paid I was agreement for paid to delete offer this has a impact on my credit profile from me purchasing a home a this is very important this be removed I have did few complaints nothing has been done this is a hold up and purchasing a house is very important to my family and I

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I would like XXXX XXXX XXXX XXXX removed from my credit profile this account is paid in full and was supposed to be deleted if paid I was agreement for paid to delete offer this has a impact on my credit profile from me purchasing a home a this is very important this be removed I have did few complaints nothing has been done this is a hold up and purchasing a house is very important to my family and I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I filed bankruptcy in XXXX. It was discharged in XXXX. Navient holds my student loans for both my XXXX and XXXX  work. All loans were left out of discharge filings. I borrowed more than the standard cost of tuition while studying for both degrees. I have made regular payments since XXXX with none being late and only a few paused - including during COVID. I also applied twice to have the loans forgiven since I XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have been on income based repayment since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Attached documents prove that TransUnion incorrectly reports an XXXX XXXX XXXX account as late for the month of XXXX, when payments were made early/on time. XXXX XXXX violated consumer regulations in credit reporting, failed to properly investigate errors that their support supervisors identified as originating from XXXX XXXX, and improperly reported an account as late for XXXX XXXX, when documents detail payments being made early/on time for said month. Attached documents show in detail that the XXXX XXXX XXXX generated technical errors, initiating a series of events - all caused by XXXX XXXX - that were immediately rectified by the consumer ( myself ). Attached documents prove that payments were made to the account on time/early every month, with the month of XXXX being no exception, but the account was reported as " past due '' to credit bureaus due to their technical errors. Though there were no late payments in this case, Attached documents prove that XXXX XXXX violated regulations requiring late payments not to be reported negatively/late to credit bureaus under 30 days of past due. Attached documents prove that XXXX XXXX and myself only experienced brief windows ( hours ) in which either party was aware of issues. Attached documents prove that an error code generated by XXXX stating that my bank ( XXXX XXXX ) or myself initiated returns for past month 's payments is WRONG. Said " returns '' ( documents show they were never returned to my checking ), occurring on XX/XX/XXXX and XXXX caused the account to appear past due for a brief period of no more than an hour or so. Payments were immediately sent, and I was assured on recorded lines by XXXX XXXX associates that no further action was needed, and the account was current " Far from late. '' A supervisor identified the cause of the issue and explained it in detail on a recorded line ( case XXXX ), recognizing XXXX XXXX 's error. As an example, for the month of XXXX, a payment was posted in the amount of {$3000.00}, which shows as accepted/recieved on the XXXX XXXX Statement. On XX/XX/XXXX I was notified that this payment was " returned. '' My checking account statements ( matching the checking on the XXXX XXXX statement ) show that these transactions were never present for myself or XXXX XXXX to have initiated, or received returns. Attached documents detail the situation in it's entirety. Support from XXXX XXXX was minimal ; documents were requested to prove my dispute, but I was given NO proper location to upload the documents other than via generic help chat in the XXXX XXXX app. Supervisors could not/would not confirm that these documents were even posted to the case or my profile.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Attached documents prove that TransUnion incorrectly reports an XXXX XXXX XXXX account as late for the month of XXXX, when payments were made early/on time. XXXX XXXX violated consumer regulations in credit reporting, failed to properly investigate errors that their support supervisors identified as originating from XXXX XXXX, and improperly reported an account as late for XXXX XXXX, when documents detail payments being made early/on time for said month. Attached documents show in detail that the XXXX XXXX XXXX generated technical errors, initiating a series of events - all caused by XXXX XXXX - that were immediately rectified by the consumer ( myself ). Attached documents prove that payments were made to the account on time/early every month, with the month of XXXX being no exception, but the account was reported as " past due '' to credit bureaus due to their technical errors. Though there were no late payments in this case, Attached documents prove that XXXX XXXX violated regulations requiring late payments not to be reported negatively/late to credit bureaus under 30 days of past due. Attached documents prove that XXXX XXXX and myself only experienced brief windows ( hours ) in which either party was aware of issues. Attached documents prove that an error code generated by XXXX stating that my bank ( XXXX XXXX ) or myself initiated returns for past month 's payments is WRONG. Said " returns '' ( documents show they were never returned to my checking ), occurring on XX/XX/XXXX and XXXX caused the account to appear past due for a brief period of no more than an hour or so. Payments were immediately sent, and I was assured on recorded lines by XXXX XXXX associates that no further action was needed, and the account was current " Far from late. '' A supervisor identified the cause of the issue and explained it in detail on a recorded line ( case XXXX ), recognizing XXXX XXXX 's error. As an example, for the month of XXXX, a payment was posted in the amount of {$3000.00}, which shows as accepted/recieved on the XXXX XXXX Statement. On XX/XX/XXXX I was notified that this payment was " returned. '' My checking account statements ( matching the checking on the XXXX XXXX statement ) show that these transactions were never present for myself or XXXX XXXX to have initiated, or received returns. Attached documents detail the situation in it's entirety. Support from XXXX XXXX was minimal ; documents were requested to prove my dispute, but I was given NO proper location to upload the documents other than via generic help chat in the XXXX XXXX  app. Supervisors could not/would not confirm that these documents were even posted to the case or my profile.

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 2023-08-07 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: SC

Complaint narrative:
I have tried on many occasions with all 3-credit reporting agencies. they are report inaccuracies and inconsistency on my credit report. they are not metro compliance, all items they claimed to have investigated and how was that done and still its inaccurate and inconsistent no updates. remove they are hurting my credit. and all negative items that is hurting my score must be removed immediately. i have attached documents of proof of the inaccuracies and inconsistencies

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 2023-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Please let this notice serve as a formal dispute under FDCPA and FCRA. I do not recognize the company pursuing this debt nor the doctor that ordered it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation