vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 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: MS

Complaint narrative:
Around XX/XX/2023 I decided to take a look at my credit report since it's been a while since I last decided to. And I noticed misinformation/fraudulent information that wasn't associated to me. After that I went calling the companies and to my luck they weren't any help. But to fill out a form and mail it so I did that on XX/XX/2023 and I assumed that started the dispute process since that's what was now showing on my credit report. So I waited for the about a month or so and got letter from XXXX stating that they did their investigation and that the accounts were removed from my credit report, Equifax needed more information like my ID or passport and my SSN Card and I couldn't provide a new ID because it had my old address on it so I already knew that was going to work since the address on my Driver License was different than the one I was making the claim under, XXXX send me a letter stating that the accounts I disputed were no longer going to be on my credit report. Then around the end of XXXX I was finally able to get my new ID from the DMV so I resent the form and information/Documents they requested another month since I sent that information, so i go check my credit report XXXX had removed the information as they stated but still had misinformation involving personal information, XXXX removed 2 out the 3 accounts and didn't fix any of the misinformation, I didnt get any confirmation letter from Equifax since I sent the documents and they just removed 2 out the 3 and didnt fix the misinformation either so for both the last to its now showing as closed/charge off but is still on my credit and it's effecting my Personal Life/Well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Contacted mortgage servicer XX/XX/2023 to request escrow shortage be amortized over 72 months because my monthly mortgage payment has increased sustainably. The taxes and Hazard Insurance increased because of the economy. Was informed by customer service that she would not submit request, because of servicer losing funds assisting homeowners. Conversation was recorded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian sold my personal information without my consent. 
I am getting barraged by home insurance scammers who are lying and stating that they are working with my financial company. 
I verified that this person is NOT who they say they are and they obtained all my personal information from Experian

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 2023-11-06 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: CA

Complaint narrative:
PayPal has decided to hold my fund that where originally disputed by the person who did the transaction. This matter was closed in my favor and PayPal still doesnt want to release my funds which Im depending on these funds to pay my rent this month. Can you please assist me on getting my funds I already beat the case and PayPal has no reason as to why to hold my funds for 180 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I was accessed a {$3.00} paper statement fee. I am enrolled in online statements. I have requested a {$3.00} refund as a one time courtesy and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
The entire month XXXX and XX/XX/2023 I have been communicating with National Credit Systems. I have sent an Identify theft report, affiliated, police records. I have done everything that was asked in order to remove the Dept and in the end they told me the owners of the apartment community ask them to proceed with the Dept. The apartment isn't even in my name and they said I was the guarantor. I asked for document showing where I agreed to be a guarantor and they can't provide. the dept is {$10000.00}. Also the other apartment was showed that I owed {$3900.00} which I presented the court documents stating : Landlord agree to dismiss money judgment without prejudice. I have all the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I moved out of a rental house in Washington DC in XXXX. Prior to moving I had signed up for XXXX XXXX and had paid the monthly bill. The roommates remaining at the residence wanted to continue the service. Prior to moving I called XXXX with one of the remaining roommates and requested they remove me from the account and add her to the account. XXXX confirmed this would be done. 

From XXXX through the beginning of XXXX I received no communications from XXXX regarding this account, which had been current when I left the residence. At the start of XX/XX/XXXX I began receiving collection notices from XXXX stating that I owed an unspecified amount on the XXXX account. 

I repeatedly requested any verification of the debt, and requested that XXXX communicate with me in writing. To date I have not received verification of the alleged debt, and XXXX has continued to call me in relation to the alleged debt, with the most recent phone call coming on XX/XX/XXXX. 

On or about XX/XX/XXXX, XXXX reported to the credit agencies that I owed an unpaid balance of {$4500.00} on the account. I disputed this report with all three credit agencies. All closed my complaints with no change to my credit report, and did not provide any information to me from XXXX, nor request any additional information from 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 2023-11-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX card was declined by merchant and log on to account did not go through. I called Bank of America to get my log in changed and they had to repeatedly email the code to get password reset, because I didn't get the emails. When I was finally able to get logged into my account, my balance was XXXX  short. I tried to transfer the XXXX of the money left in the account to my primary checking account and when I got the confirmation, I realized that it was an unknown bank account. I immediately called Bank of America back and was told they can not stop the transfer. 
Someone ( I suspect a Bank of America XXXX ) changed my password, stopped emails being sent to me from Bank of America, changed the account from automated transfers to my XXXX  account to a different XXXX Account at XXXX Bank and withdrew money from it and also received the transfer I was making, thinking the money would go to my account. During all of this my password was changed repeatedly and the debit card was in my possession. 
I filed a police report and a fraud claim with bank of America. I kept getting rejection letters of my claim XXXX times, yet they refused to research my claim. The answer was always the same : " You or someone authorized by you to use your account verified the transaction prior to the funds being sent. 
No one has access to my account, no one was authorized to use my account or change my account settings and I have reported this repeatedly to Bank of America, yet my claim keeps getting denied. I can not afford to lose over XXXX. 
Claim number XXXXXXXX XXXX Card number 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
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX banks I opened what I was told was a none credit reporting debit card I could put money on to use. After 2 months of having the account open 2 trade lines for this company were added to my credit report. I called the company to close my account and have the trade lines removed as they did not disclose they were credit cards. I told them that there was also two trade lines reporting. They agreed to close and remove trade lines but they only removed 1 and are insisting there isn't a second one when I can clearly see it being reported. They also updated it to a XXXX limit and an active 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 2023-11-06 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: EQUIFAX, INC.
State: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account XXXX has violated my right to privacy 15 U.S.C 1681 section 602 A. State i have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 It also State a without my written instrutions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: IN

Complaint narrative:
My problem happened after my mother passed away XX/XX/XXXX. She was helping me pay my bills. I tried to keep all my accounts paid or an agreement for a less amount to be paid. Discover Card advised me in XXXX that they would set up a hardship and I paid that amount they stated for 3 months and then that amount would be my monthly payment. However, as time passed and money was very tight, I called Discover and told them that my hardship was worse and they agreed to forgive my account. 
So, I figured that I should check my credit reports since I received a letter from XXXX XXXX XXXX  that my and my deceased mother 's personal banking information was possibly compromised. I attempted to sign up with the credit monitoring agency and I could not reach the link they advised customers to use. Therefore, I just hoped nothing would happen. 
So when I checked my credit reports and saw Discover Card still on my credit report as negative, I disputed that account with XXXX. After I submitted the dispute, XXXX dropped my credit score XXXX points and will not discuss anything with me while a dispute is ongoing. 
My main complaint with XXXX is the way that I was penalized for the dispute by dropping my credit by XXXX points and I am not allowed a reason why. If XXXX can not speak with me while a dispute is ongoing, they should not be able to penalize me either when nothing has changed with my credit. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I entered in a Consumer transaction with American Express... I applied for the American Express XXXX XXXX... and was Denied. I was the one who initiated the credit.They use my Card card ( My Social security number )... Illegally ... accord To federal law, and it discriminatory. Please refer to the attached letter explaining my position. I sent this letter.. notarized ... and by Certified mail!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Please update this personal information

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX Checking account Closing an account FIFTH THIRD BANK XX/XX/2022 Closed Company responded in accurately. They have me in XXXX XXXX and delinquent when they never paid the vendor to charge fees. When there should not had been a charge of over draft because I did no elect it. And when asked for the information they never itemized the charges in my compliant it sent to to me they just created an amount and kept charging fees for that defamation. I shouldnt had accumulated fees on a charge they never settled. This is and error and I want it corrected and removed from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/ I opened both a checkings account and savings account with CapitalOne. I set-up a direct deposit from my employer to send {$250.00} every pay period to CapitalOne. CapitalOne has received one deposit of {$250.00} from my employer but is holding my funds due to " suspicious activity '' on my account. 

I have made 3 calls in total to CapitalOne over a period of 2 weeks now. The first call was made on XX/XX/. They have not returned any of my calls and I am always redirected to an answering machine. Each time I call, CapitalOne states they will give me a call back in 48 hours, but I have not received any callbacks. 

The ACH transaction number for my deposit is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
On XX/XX/2023 I went in XXXX and purchased around XXXX worth of merchandise. As I was checking out a preapproved prompt came across the screen. I agree to it and it was for {$400.00}. I was told to call for an increase and so I did. I was told no and to wait for my reason y in the mail. Their reason why is Comenity Bank wants to see consistent payments which discrimination. Adverse action against a consumer is against law according to the Equal Credit Opportunity Act. Regardless of the reason for that low credit limit, I have the right to credit. Withholding my access to my security is security fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had a XXXX account when I was XXXX XXXX XXXX, and because you have to be at least 18 years of age to have a XXXX account, I believe the Informations was sent to credit card companies and then credit cards were sent to our address. When my father ran out of money to lay for food and other necessities I pointed out that we had credit cards that kept being sent to us, and so we used one to pay for food and other necessities. Shortly after the credit card was used, a serious family problem occurred which resulted in forgetting about the use of the credit card. About a decade later ( now ) I decided to get a Capitol One credit card, and when I signed up for it, there was no mention of a credit account in my name before my current one. A month or two after I got the Capital One credit card I was sent a paper in the mail from XXXX XXXX XXXX XXXX ( XXXX ) saying that I owe them {$450.00} because they bought my previous Capital One credit card debt. I then disputed their claim because I assumed they were talking about the credit card I got just after turning 18 and they sent me copies of papers of Capital One saying that the XXXX acquired my credit card account with a balence of {$450.00} ( The credit card used for buying groceries ). My father and I then decided to call XXXX and see if we could somehow get the debt transferred to his name without any record of this debt being in my name. They then proceeded with telling us to pay it off and it will no longer be there but that didn't help us since there was still a chance for it to show up as a paid debt in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: TN

Complaint narrative:
Victim of ID theft, and the information listed on the FTC report need to be blocked.

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 2023-11-06 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: TN

Complaint narrative:
Victim of ID theft, and the information listed on the FTC report need to be blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Bright Capital Inc
State: VA

Complaint narrative:
I had XXXX taken out of my account from Bright Money. I cancelled and requested a refund. They agreed & have been giving me the run around saying it takes XXXX for the refund, It has been more than XXXX  days. Every customer service agent from Bright Money gives me a different response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction

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 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Capital One account was closed in XX/XX/ and since then I have not received the money I had in the account. I have called Capital One many times and no one can help me. The call is always transferred to another person and the phone is disconnected without solving my problem. I don't speak XXXX very well and the company does not provide XXXX  speakers to help. This bank was not good to me from the beginning. I do not recommend the service and I feel harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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:
I checked my credit and found these accounts on my report I called each company and was told they would remove the accounts. After questioning some of the company some of them sold the account instead of giving me the information I requested. I have file FTC REPORTS sent letters contacted the credit bureau and nothing has been done. THEY REPORT BACK TO THE CREDIT THAT THEY HAVE SENT INFORMATION TO ME BUT HAS NOT. So i open an account with the USPS to log all mail that comes into the post office with my name and address and these records can no be removed by me or no one else so i have prove that nothing was ever sent

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