vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXXComenity Bank XX/XX/XXXX i paid remaining balance of {$63.00} and instructed them to clpse my account. 
I was then charged a {$29.00} fee XX/XX/XXXX I paid that fee I was then charged an additional {$40.00} every month stating late fee and interest and finance charge on top of that.To date I have made NO purchases. I closed the account XX/XX/XXXX They are now stating I owe more than {$300.00} I have stated several times that the account was closed in XX/XX/XXXX by calling and emailing them. My most recent response was someone from XXXX XXXX saying they are handling this account and I owe the money. This is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: NY

Complaint narrative:
On XX/XX/XXXX, I placed an order of XXXX pairs of custom printed pajama sets ( top and bottom ) from XXXX. The site said that crafting the item would take 2-5 days. The price was {$130.00}, and I paid using PayPal. 

On XX/XX/XXXX, I had first reached out to the company as the item did not ship. 

On XX/XX/XXXX, I opened a dispute with PayPal On XX/XX/XXXX, I informed PayPal that I had received a package, but it was only XXXX pajama bottoms ( vs. the XXXX top/bottom sets that I had ordered ). Because this was a gift for a party, and the order was wrong, I had to purchase from another merchant. The order was clearly wrong and I asked for a full refund. 

On XX/XX/XXXX, I was informed that my case was closed, with no refund, as " This transaction is ineligible for PayPal Purchase Protection. '' It is my expectation that a payment provide provide Purchase Protection, and PayPal advertises such protection as a feature of the product. It was not made clear what about this specific item did not include the protection, and it was not disclosed to me at the time of purchase that such protection was not available. I believe this omission was deceptive, as I was acting as a reasonable consumer would, and I would not have made this purchase, had I known that PayPal would not offer protection. I believe that PayPal 's practice of advertising protections, but not offering them when a reasonable consumer would expect them, is a deceptive and abusive practice. 

I would like a full refund for this item, and for PayPal to change this practice going forward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I recently opened an online savings account with Comenity Direct, which I believe is associated with Comenity Capital Bank. An initial amount of {$250.00} was transferred from my XXXX XXXX  checking account and received and posted on XX/XX/2022. After linking my checking account to the Comemity Direct account, an additional amount of {$30000.00} was transferred and received/posted on XX/XX/2022. The present account balance is {$30000.00}. Approximately XX/XX/2022. A letter was received from Comenity Direct indicating that a review of my account revealed potential security concerns and/or irregular activity causing a temporary suspension of the account. The letter stated that additional documentation was required and should be sent to the bank within 14 days. I complied and sent copies of the required documents. On XX/XX/2022 a product support representative, named XXXX messaged me indicating that the documents had been received and were to be forwarded for review. The review would be completed within 1-3 business days ( screenshot copy is attached ). I never received status of what was required. A second letter, dated XX/XX/2022, was received XX/XX/2022. It contained the same information and request stated in the first letter. I am experiencing difficulty with communicating with this financial institution by way of phone conversations and their website account messaging system. In addition, Comenity Direct removed the link of my checking account to the new saving account. I am now unable to transfer funds online. So, I have decided that I do not want to continue doing business with Comenity Direct. I made several phone calls and submitted several website messages directing the bank to close my account and return all funds back to my XXXX XXXX  checking account. It was explained to me, by several representatives, that funds where on hold until XX/XX/2022. On XX/XX/2022, I called and spoke to a representative ( XXXX XXXX and once again requested the closure of the account and return of the total {$30000.00} to my XXXX XXXX  account. The representative confirmed the appropriate required numbers associated with the checking account and then indicated that the funds would be returned within 1-3 business days. Also, I messaged the bank and requested confirmation asking for the dates when the account will be closed and when funds will be available in my checking account. As of this date the bank has not complied. I ask for assistance and help to recover these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: LA

Complaint narrative:
This company is getting away with WILLFUL NONCOMPLIANCE OF Federal laws and CFPB is supposed to regulate these crimes so I will report these violations every day that they occur just as this Credit Reporting Agency is continuously breaking the law. This is the way I am reporting them.

15 USC 1611 Whoever willfully and knowingly give false or inaccurate information or fails to provide information. Each violation is {$5000.00} or imprisioned not more than one year. 

I called Transunion on yesterday and spoke with XXXX in the Fraud Department and she told me on HER recorded line that they did not have to follow the FCRA law. Although I told her that no company policy is above FEDERAL LAW she still stated it again. 

15 USC 1681b states that any person furnishing a consumer report must have written instruction from the consumer in which it relates. Meaning they should not be reporting any of the items attached to my previous complaints with out my consent which they DO NOT HAVE.

How are they just openly able to violate the law? 15 USC 1681C-2 states, " not later than 4 days after the date of receipt by such agency '' Ive sent in all of the documents that are required under federal law to get these items blocked and the company keeps responding with a 30 day wait period. This is extortion of my credit! I as a consumer have rights that are protected by congress. They were written because companies like you have a history of taking advantage of consumers. I am willing to get a consumer lawyer and come after the company for damages as well as all the fines attached to each month and day I was violated. 

Its easier for the company to simply comply with the laws.

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 2022-01-25 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: FL

Complaint narrative:
I XXXX XXXX has been a victim of identity theft. Please see attached. Ive been sending information in for the past 6 months or more. 
15 USC 1681-2A Please see attached ftc report & identification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX has been a victim of identity theft. Please see attached. Ive been sending information in for the past 6 months or more. 
15 USC 1681-2A Please see attached ftc report & identification

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 2022-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with signing the paperwork
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Iam the consignor on my sons private student loan. He has applied and received forbearance on a couple of occasions this past year. I was never informed, or requested my approval ( since Iam on the hook ) for accepting the forbearance. I only receive an e mail approving the loan. This will cause an additional increase due to the loan is still accruing interest. Is the lender allowed to approve this without my consent also? thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citi card keeps on calling my number 3 times a day. This is a violation of FDCPA. This is also harassment

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 2022-01-25 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:
After being approved, paid and sending a representative to phot the house last evening I received this false report which severely impacts my ability to secure insurance. The agent did not reveal the source other than some unknown XXXX. THE INFORMATION provided XXXX was grossly wrong. See attached letter. They have not refunded my money. Also CFPB SOFTWARE STILL DOES NOT WORK ... CONCERNING SS ENTRY ... ONLY YEARS STILL NOT WORKING

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 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
In XX/XX/2020 my husband and I XXXX a XXXX  XXXX but had to have it dismissed because during Covid we missed a couple of payments. We voluntarily had it dismissed so when we were able we could refile. We continued to send our mortgage payments but phh kept returning them to us. So eventually I stopped sending them and concentrated on paying off our electric bill that had ballooned because of Covid and having everyone home with remote learning. We are trying to get a repayment plan because of Covid. But they refused us and now have an appeal in process. This week we received a notice that our homeowners insurance will be cancelled on XX/XX/XXXX. Because of phh. We wouldnt have this problem if they accepted our mortgage payment. We have foster children living here so everything needs to be in order. Thankfully both my husband and my employers has raised our salaries and would like to be able to pay our mortgage and pay extra monthly towards whats owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FULTON FINANCIAL CORPORATION
State: VA

Complaint narrative:
Our mortgage was acquired by Fulton Bank ( aka Fulton Financial ) on XX/XX/XXXX. Our statement/billing address has been incorrect since then. We have tried every month to get this issue correct by both online servicing and calling in to their customer service center. Most recently on XX/XX/XXXX we called in an were told their mortgage servicing system is " down ''. While this is believable, there is always some reason why they can not accomplish this basic task. Their website also does not allow us to login - we were able to access it one time but since then it also either has issues or does not recognize our account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
This bank is falsely advertising assisting their customer during Covid if person or business has financial strains but instead charging customers excessive overdraft fees even for transactions under {$10.00}. Preying on customers who are unable to access their account or go into the bank due to Covid-19 or having had exposure to Covid-19.

Theyre falsely advertising account information in their mobile application that doesnt reflect a true balance to make a financial gain they force the Mobil application on you every customer service representative will state its a convenient way to track your transaction but in actuality the app does not reflect your true balance I spoke with a representative and she confirmed the Application does not reflect true account balances. 

When you sign up for an account the company states when you use your debit card PIN number those transactions are taken out immediately customer service as well and in fact it does not which allows the company gain over their consumer to charge overdraft fees. 

When the bank makes a processing mistake they credit the account as a courtesy instead of a bank error which in return hurts the consumer if the consumer needed a courtesy overdraft refund due to their policy they will not refund you because they already processed courtesy refunds through bank errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: NC

Complaint narrative:
I am XXXX XXXX, I have been reporting that there are accounts on my credit report that were not mine. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last XXXX months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: CITIBANK, N.A.
State: PR

Complaint narrative:
Purchased a mattress through Costco online and was delivered to my home on XX/XX/XXXX. We ended up returning the mattress and a Costco moving company picked mattress up from our house on XX/XX/XXXX. I was promised last Tuesday my refund would be issued within 3-5 business days. Still waiting on a refund.

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 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I XXXX XXXX has been a victim of identity theft. Please see attached. Ive been sending information in for the past 6 months or more. 
15 USC 1681-2A Please see attached ftc report & identification

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 2022-01-25 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:
Attempted to remove inaccurate collection account from Credit Reporting Agencies. Failed to remove after supposedly verify with collection company. This is in regards to a collection agency that is trying to collect on an account from XXXX XXXX that was closed and paid in full. 
Attachment 1- Final negative account balance Attachment 2 - Account noted closed in comments section.

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 2022-01-25 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: NC

Complaint narrative:
I am XXXX XXXX, I have been reporting that there are accounts on my credit report that were not mine. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last XXXX months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family.

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 2022-01-25 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: NC

Complaint narrative:
I am XXXX XXXX, I have been reporting that there are accounts on my credit report that were not mine. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last XXXX months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family.

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 2022-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I purchased a vehicle on XX/XX/2021 and it is financed through Westlake Financial. I also purchased an extended Warranty. The transmission went out in the vehicle and the compressor was damaged as a result. When I attempted to use the vehicle extended repair I incurred over {$2700.00} worth of out of pocket expenses. The warranty has a cap on the hourly rate for labor, they dont pay taxes, they dont cover the compressor which had metal shavings in it as the result of the transmission breakdown damage. None of this information is in writing in the warranty contract. I was always told if it is not in writing that does not exist. My understanding is that in purchasing the contract if I followed the conditions the items listed in that contract would be covered. While the warranty company is secure one, I purchased it through Westlake Financial. Westlake refused to assist me in any way and also has refused any payment arrangements since I have to try and pay for the repair and the car payment has now come due. I had the vehicle a little over 30 days and Im looking at negative impacts to my credit and finances with no relief available as a consumer

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 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: OPORTUN FINANCIAL CORPORATION
State: OH

Complaint narrative:
I seen an ad on XXXX XXXX for the Oportun XXXX by XXXX. Their website clearly states that you can get Prequalified without affecting your credit score. This implies a soft inquiry before you apply with a hard inquiry. When you go through the steps it does a hard pull, not a soft pull. That is false advertising as a hard pull does affect your credit score.

Company response to consumer: Closed with non-monetary relief