vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I did not ask to have alleged debt verified, or if said debt collector felt correct in it actions of reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney. My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, convergent you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections. You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that congress defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under 1681 N civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Company stated that payment was last and decease My credit limit from XXXX to XXXX which cause my credit score to drop. NO PAYMENTS IS SHOWING.

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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Ive had two student loan, but yes are on time but have been on my report well over 10 years and Ive tried multiple times with the company and credit disputing companies to have both of these loans removed completely from my credit as the 10 year mark legally they are not allowed to continue to keep this on a credit report and as my last resort, Im filing this complaint so both of these student loan can be removed from my credit completely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had money stolen out of my account and they've yet to put it back they said they investigated and they come to the conclusion that I was the one that took it but that's not true the reason it's not true that it's supposed to have a two-step verification on money transfers and I never transferred any money or did anything

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 2023-11-19 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE INQUIRY 'S DO 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 2023-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/, I request mile transfer from chase sappire preferred credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and there is 30 % bonus mile at the time, but at the end, I only receive the base mile, but 30 % bonus mile never arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
I have called Mohela, my loan servicer, on 3 separate occasions after my loans were paid in full on XX/XX/23. I reached out to ask when the loans will be removed from my credit report. The representatives I spoke with all said they would call me back in a week after gathering more information however, I never received a call. 

I have been on hold for almost 4 hours with the loan servicer two out of three times. 

My credit score has taken a XXXX point hit since working with this loan servicer and has caused distress and confusion as payments on their website are not up to date. 

Please assist me with collecting an accurate timeline for when my loans, which have been paid in full since early XXXX, will be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I reviewed my credit report on XX/XX/2023 from TransUnion and noticed an account in collections that I didn't recognize. I was never contacted by this collection company, nor have I ever done business with this collection company. This has happened to my TransUnion account recently with another collection account that was mistakenly put on my report. I am giving notice that I am disputing the validity of this alleged debt XXXX XXXX account # 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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove, and, or update the unverified account listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. '' XXXX Account # XXXX I'm concerned with this account as this is causing stress upon me not reporting accurately. 

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.

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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Today, XXXX XX/XX/2023, I received multiple credit alerts that JP Morgan Chase made a " hard inquiry '' on my XXXX credit report. This is the second fraudulent " hard inquiry '' from JPMCB in less than a month. 

I called JP Morgan Chase Bank. JPMCB was unable to help me. 

I attempted to file a dispute with XXXX. I was told by the agent that I have to call the fraud department and that it will not be open until tomorrow. I will call them tomorrow and attempt to report the fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
In accordance with the fair credit reporting act Pennymac Loan Services , LLC has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This company has continued to violate my consumer rights by reporting inaccurate information to the credit bureau about and account that is not even mine nor have signed and documents with this company but they continue to harass me. Down below I have documents an proof for violations

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 2023-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
XXXX of 2021 Ive been sending National Credit Systems about a rental dispute that appeared on my credit. Ive been sending letters to National Credit Systems and to every credit agency. 
Their information is NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal has banned me from using my paypal balance to pay for items on XXXX They did it without my consent. I want paypal to allow me to use my Paypal balance, not my checking account, as the preferred way to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX never validate this debt due to fact I had certain protections while on XXXX XXXX. The original creditor never complied with notifications to reduce the interest to six percent. XXXX has been advised the original creditor reported this account past due in XX/XX/2016 and this account had been reported negatively past 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Velocity Portfolio Group
State: MO

Complaint narrative:
This company has continued to violate my consumer rights by reporting inaccurate information to the credit bureau about and account that is not even mine nor have signed and documents with this company but they continue to harass me. Down below I have documents an proof for violations

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 2023-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery never validate this debt due to fact I had certain protections while on XXXX XXXX. The original creditor never complied with notifications to reduce the interest to six percent. Portfolio has been advised the original creditor reported this account past due in XX/XX/2016 and this account had been reported negatively past 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: AR

Complaint narrative:
Loaded XXXX dollars in NetSpend prepaid at XXXX XXXXXXXX can not activate nire will they help me activate have called them numerous times same XXXX XXXXXXXX storey

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 2023-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My pension check which is direct deposited to a checking account at PNC Bank on or a day before the first of each month was deposited and withdrawn three times between XX/XX/23 and XX/XX/23. PNC does not know where the money is and refuses to research further. They have sent me back to the issuing entitiy, XXXX, who manages my pension. This was the day of the ACH processing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I would like for the company to honor my request of dispute from the XXXX Forbearance program by removing/deleting the late payments that were reported during the time of XXXX Pandemic. 

Due to XXXX forbearance program regulations it states that no late payments are to be reported to the financial credit bureaus during the time of XXXX forbearance period. I have late payments on my report I want removed because I am a victim of a XXXX and legally you should not have put it there. 

REMOVE LATE PAYMENT UNDER XXXX FORBEARANCE PROGRAM : XXXX. XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX to XX/XX/XXXX of listed Unfair late payments and Unfair Charge Offs Dates : XXXX Unfair Late Payment XXXX Unfair Charge Offs Last XXXX Digits of XXXX DOB : XXXX XXXX The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.

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 2023-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
In XXXX, I signed up for a CareCredit card to fund the XXXX of a pet. The first six months of payments are interest free. 

When I received my first statement in XXXX, I noticed a PYMT CARD SECURITY charge. I wasnt sure what the charge was for and didnt take action until XXXX when my statement again showed this fee. After doing a bit of research in credit card forums, I discovered that others have run into this same issue with CareCredit. It seems that despite my never consenting during the credit card sign-up process, the company is sneaking in a 1.6 % fee on the outstanding balance. 

Inside the CareCredit app, I navigated to the contact via chat section. I asked to remove payment card security and the chat bot responded with an automatic message telling me to a call an XXXX number to remove the charge. The XXXX number included an automated voice that asked me to enter the CareCredit card and to proceed with ending the 1.6 % charge. Within the week, my CareCredit reflected the fee being refunded to my account. 

Overall, I am satisfied that the money was returned and the process for getting it back was relatively simple. However, I am disturbed that the hidden fee was applied in the first place. I dont remember consenting to this, and I never received any information for opting out either. People in the forums were mentioning in their experience me that they couldnt get the money back after 90 days of opening their CareCredit account. Luckily for me, I was still inside the 90 day window.

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 2023-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
I've tried every, possible source of a resolution between the recipient, Cash App, and my financial bank institution between out poured calls, texts, emails and re-opened disputes and all falled on deaf ears through this I'm at my wit 's end. This is my last formality of recovery of my hard earned wages. XXXX of Last year I responded to promotion of a cabin trip to XXXX XXXX  TN detailing cost, dates ( XXXX ) and Itenaries.Looking over reviews {$250.00} was initiated deposit and submitted via cash app. All through updates and group charts of excitement 2 weeks left into trip date it was announced by mitterrant and advocate of the trip that promotion was not a success outcome due to low head counts of participates trip is cancelled and refunds WILL be allocated by end of XXXX. Allowing well passed XXXX. End of XXXX I reached out, and was given refund status of lack of un services of refunds there on after via text, calls.. Upon other outreach research some individual were in receipt of refunds via promotor and others like myself are still unjustly not refunded and unjustly Not of my behalf of cancellation. Adding insult to injury filing disputes to both financial Institutes Cash app and my consumer bank submiting all communications requested and highlighted of non service rendered via promise of refund. With every denied letter is my eager to NOT give up. My money is value of my hard earnings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have try to find a common ground on a dispute with Experian and also requested on reinvestigation with Experian and got to the point where they don't respond and haven't since the last 60 days from 2 past disputes numerous disputes have been submitted for this account with no compliance with FCRA requirements. On XX/XX/2022 I sent XXXX a 1099C and they never responded as well. At this point I'm not getting any answers from EXPERIAN nor XXXX XXXX XXXX. I have sent the attached supporting documents demanding to delete this account since they have not answered back at all with timely fashion correspondence. Please remove this account from my Experian consumer 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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This company has continued to violate my consumer rights by reporting inaccurate information to the credit bureau about and account that is not even mine nor have signed and documents with this company but they continue to harass me. Down below I have documents an proof for violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This company has continued to violate my consumer rights by reporting inaccurate information to the credit bureau about and account that is not even mine nor have signed and documents with this company but they continue to harass me. Down below I have documents an proof for violations

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 2023-11-19 00:00:00
Product: Credit reporting 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: WI

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting 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: WI

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries.

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