vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I add {$6000.00} to my venmo account and was using the account to pay my employees. I had been trying to send one employee her money but the app kept declining the transaction. I Called the company and was told they would reset the app i then follow the instruction from the customer services rep and waited a few hours to resend the funds, it was then still been declined. I then try to add another card to the app to withdraw the funds. A few hours later I was told they had suspended the account. I followed the instruction from the company to send my id once again I called in to Venmo only to be told they would not release my cash until XX/XX/. I have to wait 7 business days before they would be able to release the funds. In the mean time my employee can not received her check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since I contacted my credit card lenders and made arrangements to settle my credit card debt over a four-to-five-year period, the credit card companies have been reflecting in my credit report that they have written off 100 % of my credit card debt, without accounting for the settlement amounts that I have paid them. The attached complaint summary shows that I have paid an average settlement of 79.2 % of the credit card balances that were due when the accounts were closed. I have reduced my total credit card settlement balances from {$72000.00} to {$3000.00}, but this improvement in my credit worthiness is not being reflected in my credit score from the three major credit bureaus. 

Also, my mortgage payments are made each month by automatic bill pay from my bank. When the mortgage payment increases due to an increase in the escrow account, the credit bureau automatically logs the mortgage payment as late. The mortgage payment has been on time, because the escrow account can be analyzed and adjusted by the customer before it is due.

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 2023-12-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I previously filed a complaint with you and the XXXX  with regards to TJX/Synchrony about a promo they offered. The geniuses on the phone and chat were no help. Synchrony responded that I would receive the offered {$5.00} rewards on XX/XX/2023. The rewards-per the offer was {$10.00}. I reached out to XXXX  and advised them that as expected, Synchrony would not follow through with the promotion. The rewards are NOT here as promised per the attached. The CFPB seems to allow financial institutions to misrepresent the status or promotions which in essence is FRAUD. My {$10.00} reward is due TODAY. My terms and conditions going forward are a {$25.00} a day LATE FEE.

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 2023-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
I paid the balance on XX/XX/XXXX. They said that they would report on XXXX XXXX XXXX that it was paid in full. Its still showing as unpaid on my reports. I have disputed it with all three bureaus and they still refuse to remove it even though I can show the transaction where I paid the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since I contacted my credit card lenders and made arrangements to settle my credit card debt over a four-to-five-year period, the credit card companies have been reflecting in my credit report that they have written off 100 % of my credit card debt, without accounting for the settlement amounts that I have paid them. The attached complaint summary shows that I have paid an average settlement of 79.2 % of the credit card balances that were due when the accounts were closed. I have reduced my total credit card settlement balances from {$72000.00} to {$3000.00}, but this improvement in my credit worthiness is not being reflected in my credit score from the three major credit bureaus. 

Also, my mortgage payments are made each month by automatic bill pay from my bank. When the mortgage payment increases due to an increase in the escrow account, the credit bureau automatically logs the mortgage payment as late. The mortgage payment has been on time, because the escrow account can be analyzed and adjusted by the customer before it is due.

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Since I contacted my credit card lenders and made arrangements to settle my credit card debt over a four-to-five-year period, the credit card companies have been reflecting in my credit report that they have written off 100 % of my credit card debt, without accounting for the settlement amounts that I have paid them. The attached complaint summary shows that I have paid an average settlement of 79.2 % of the credit card balances that were due when the accounts were closed. I have reduced my total credit card settlement balances from {$72000.00} to {$3000.00}, but this improvement in my credit worthiness is not being reflected in my credit score from the three major credit bureaus. 

Also, my mortgage payments are made each month by automatic bill pay from my bank. When the mortgage payment increases due to an increase in the escrow account, the credit bureau automatically logs the mortgage payment as late. The mortgage payment has been on time, because the escrow account can be analyzed and adjusted by the customer before it is due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I submitted a complaint via cfpb to Macy 's on XX/XX/XXXX - complaint number XXXX, requesting that my credit card account with associated online account be closed. Macy 's responded that I still had an outstanding balance ; however, failed to outline in their writing that I was not able to pay my bill without me receiving a replacement card, which I never received. A new account number was assigned without me ever seeing the full account number. To this date, I do not know the full account number. It was truly a credit debacle for which after months and with cfpb 's assistance, I was finally provided a way to pay my bill and the matter was deemed closed by Macy 's and cfpb. However, on XX/XX/XXXX, I received a letter from Macy 's XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, titled, " An Important Notice Regarding Your Account '' stating they are writing me " in reference to [ my ] Macy 's account, please refer to the enclosed privacy notice. '' There was no enclosed privacy notice. The letter further directed that I keep the letter for future reference. I am once again concerned that my record with Macy 's has not been properly closed. I should not be receiving any further correspondence or advertisement from Macy 's.

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 2023-12-16 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: NC

Complaint narrative:
Equifax has failed to remove fraud charges on my account made by someone on my XXXX XXXX XXXX. XXXX XXXX had already verified the charges were fraud both other agences removed the charges weeks ago. I tis becuase of Equifax letting my identity get stolen htese fraud charges were made.They are difficult to get in touch wiht many hours waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2023 Experian deleted an unverifiable bankruptcy. How under status of the following account the still have discharge in bankruptcy. 
Since they removed an unverifiable bankruptcy they must remove from any account or delete the account. Here are the following inaccurate accounts : 1.XXXX  XXXX  XXXX 2 . XXXX XXXX They are reporting a balance on XXXX XXXX XXXX of XXXX. I do not owe a balance on this account. They are reporting a charge off. This account was not charged off.

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 2023-12-16 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: CA

Complaint narrative:
Company ( XXXX XXXX ) has not reported my payments since XX/XX/XXXX per conversation with Equifax representative on XX/XX/XXXX. This representative hung up on me because she didnt want to answer my question as well. 

Account is paid in full since XXXX week of XXXX. 

Account is closed, recieved title and {$2.00} check from company. 

Disputed with Equifax on XX/XX/XXXX, results came in XX/XX/XXXX. No update to paid in full account. Resubmitted XX/XX/XXXX. 

Equifax updated payment history back in XX/XX/XXXX but did not add paid in full, remove balance and add last payment. 

Reporting my account in good standing for XXXX, XXXX and XXXX stating normal payment was made. 

Thats fraud because they should of received a ledger from company showing my last payment of full balance. 

This bureau allows fraudulent companies to report. I have added the consumer affairs review page for this company to show their fraudulent ways. Equifax helps them to do this. 

https : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: GA

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

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 2023-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: MI

Complaint narrative:
Subject : Formal Notice Regarding Account Payment Discrepancy Reference : 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 Dear CNAC, I hope this letter finds you well. I am writing to bring to your attention a recent discovery regarding the payment method for my car finance account. 

Upon careful review, I have realized that I have been making payments on the account incorrectly. In an effort to rectify this matter, I would like to officially document this discovery and inform you of my intention to discharge this debt either through a XXXX or by properly endorsing the promissory note. 

For transparency and good faith, I want to express my reluctance to settle this account using Floating Rate Notes or bi-weekly ACH, as it may inadvertently place me in a position that conflicts with Congress 's definition of an enemy of the state which I wish to avoid. 

Furthermore, I request the release of my vehicle title from the XXXX, as there is no longer a lien on the collateral. Additionally, I request the deposition of any securities and FRN payments made into my XXXX account. Failure to comply with these instructions may be considered securities fraud, as defined by Congress and the U.S. Treasury. 

It is crucial to clarify that I am not willing to participate in activities that could potentially involve securities fraud or operate outside the appropriate fiduciary role. As I am not a member of the XXXX XXXX XXXX, I can not pay debts in FRNs and insist on an alternative resolution. 

I appreciate your prompt attention to this matter and look forward to resolving it amicably. You have 21 days from the delivery of this notice to assist in rectifying this matter. No collections on the account and/or repossessions of the vehicle can take place. I can be reached via US Postal Mail and email communications. Do not call or text me. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax knowingly hid dispute results from consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I began a home loan application with Navy Federal Credit Union ( NFCU ) on XX/XX/2023. I was already pre-approved, and had received conditional approval from their underwriting department. In order to move forward with final approval, NFCU needed proof of an insurance policy, home appraisal, and to conduct a final review of all the documents. Per my contract, NFCU needed to provide me with a final answer about financing by XX/XX/XXXX. 

Both the insurance policy and appraisal report were submitted to NFCU on XX/XX/XXXX and our file was sent to underwriting for a final review. We were told underwriting generally takes XXXX to respond. 

On XX/XX/XXXX I received and signed the closing disclosure documents and was even told there would be no problem closing earlier than our contract stipulated. 

Since then, NFCU has been unable to provide us with a final answer about financing. They have continued to ask for information that was previously submitted to be submitted again, asked for these documents one document at a time, and waited XXXX to give a response to only request more documentation they already had. We consistently wait XXXX to hear back despite providing all documentation the same day it was requested. 

Per my contract with the seller, NFCU must provide an answer about financing by XX/XX/XXXX. According to my last conversation with our loan officer, NFCU " hopes '' to have a better answer for us by XX/XX/XXXX. This date will fail to meet the deadlines stipulated in the contract, and unless the seller is willing to grant an extension, I will lose my escrow deposit and possibly the house. 

Despite asking for an expedited review from underwriting, asking that they request all additional documentation at one time, and reminding them of the dates required by the contract, NFCU has refused to move the process along or provide a reasoning for why underwriting has been unable able to grant final approval.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: FL

Complaint narrative:
Someone stole my ID and social security number and used it without my consent and knowledge. The person also received an XXXX XXXXXXXX XXXX  credit card in my name. I am writing to request and initiate a formal complaint against XXXX, XXXX, and Experian CRA & XXXX XXXX XXXX XXXX XXXX XXXX I mailed XXXX, XXXX, and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 non-monetary relief
Consumer complaint received 2023-12-16 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: GA

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

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 2023-12-16 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: GA

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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: Chime Financial Inc
State: LA

Complaint narrative:
On XXXX  I did a transfer from my savings account to my credit builder account the funds went missing I couldnt see it so I XXXX chime XXXX number it showed up chime contact us for support reach chime support XXXX XXXX XXXX XXXX XXXX I was asked questions XXXX the guy telling me my account was locked that I needed to update information to unlock it because I did a transfer of XXXX to my credit builder and it wasnt showing up n now Im out of {$1700.00} one week before XXXX my money I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Hello, my name is XXXX XXXX and I have been having issues with my loan company account, Bridgecrest. Bridgecrest is a finance company for vehicle loans. I have reported to them that after I was in the hospital and returned home, that all of my information has been hacked. I have been trying to update my information with the company so that I can have access to my loan and make payments without any fraudulent activity. However, the company seems to have an account already connected to mine, despite me asking them to delete all accounts associated with me, XXXX XXXX. They have assured and reassured me, that all accounts have been removed on my end of the loan, but has not, because I have tried to login on an old email address which has acess to the account, which they say has been deleted, but has not, I have also been trying to resolve this issue for over two months now, currently, I have been told by bridgecrest that all accounts have been deleted except for the co-buyer 's, But I still don't have access to my account, and the website keeps saying there is an account already linked to any email I use with my social and date of birth, Unfortunately, every time I call, I am given the runaround, and told to wait for alot of days, with no resolution to my issue of resolvement to my account, If someone could please help me with this, that would be great. I can not even process payments on my side of the loan without it appearing as if someone else is doing so. My account information is also provided below also. Thank you. 


Primary Buyer 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 explanation