vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A person who pays off their credit cards in full every month and does not carry any balances is a much better credit risk than a person who does not have enough money to pay off their credit card balances. 
Here is the problem. Many people use their credit cards for everything they can, say for airline points or convenience. They get their credit card statement and pay the balance in full every month. Or they set up full balance automatic payments. You would think they would be a low credit risk and have a high score. Most of them do have a good credit score but it is lower than it should be. 
This is because the credit card companies report the balance at the end of the billing cycle to the credit bureaus. If you had a {$1000.00} balance on your statement and paid it in full the day after your statement cycle closed and then had a {$0.00} balance, you are scored the same as if you were carrying a {$1000.00} balance from cycle to cycle and paying interest. 
On the other hand, if you check and pay your balance online two or three days before the statement closing date ( not the payment due date ), your balance will be reported as {$0.00} and your credit utilization ratio will be very low and your credit score will be higher. 
I have tested this on my own and found that my score was as much as 15 to 20 points higher.

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 2022-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Tally Technologies
State: NY

Complaint narrative:
I had registered for tally line of credit and added a unsupported card on my account to get the tally limit but I never expected tally to make an payment to my card due to it being unsupported plus the payments being made were set as " you pay '' tally made the payment without my authorization but I'm trying to get the cardholders company to return the payment to my tally account but it is taking longer than usual and tally is reporting the account as late payments on my credit report... 

it is not my responsibility to correct their mistake but I have tried to get them to get the money back because I never authorized it but they refused to help me again and again.

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 2022-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Hello, I got a new phone number. I tried to open an account with Venmo, but their system had a bug that was asking me to log in with the previous user 's account... Aside : I think it may have been possible since the customer support was not aware of this bug. I found another bug or two in their system and helped em fix it.

I needed to use Venmo fast for living expenses so I signed up with an old phone number that was going to expire soon since customer support ended up giving me 31 support emails on this bug and how to fix it ( I'm a software engineer ). 

Now, despite me giving them technical support how to fix their system, knowing I entered bank account info, and more, they were unable to transfer my account from my old phone number to my new number. I can not log into Venmo, and their customer support will not help me. Now with my old phone expired, they have banking information of mine, and I can't log in and customer support will not help. 

They're beyond giving me the run around at this point which is actually ironically funny since I actually helped them debug and fix their system in the customer support emails, but they will not give me even basic customer support to transfer the account... I help them, they give me the run around like they're deliberately trying to annoy me... Isn't illegal to keep someone's banking information on file against their will? On top of this, I am not confident they fixed their system so if someone gets my old recycled cell phone number, they possibly could get my banking info. 

To me this is egregious in terms of philosophy. They wasted over 10 hours of my time, and I was unable to get the financial help I wanted from a friend, and that's just fine... But really ... to not let me transfer my account or even cancel it even after I helped them considerably? We live in a world redefining the world thank you. 

Anyway, take care guys, I don't know if this will even reach someone, XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A person who pays off their credit cards in full every month and does not carry any balances is a much better credit risk than a person who does not have enough money to pay off their credit card balances. 
Here is the problem. Many people use their credit cards for everything they can, say for airline points or convenience. They get their credit card statement and pay the balance in full every month. Or they set up full balance automatic payments. You would think they would be a low credit risk and have a high score. Most of them do have a good credit score but it is lower than it should be.

This is because the credit card companies report the balance at the end of the billing cycle to the credit bureaus. If you had a {$1000.00} balance on your statement and paid it in full the day after your statement cycle closed and then had a {$0.00} balance, you are scored the same as if you were carrying a {$1000.00} balance from cycle to cycle and paying interest.

On the other hand, if you check and pay your balance online two or three days before the statement closing date ( not the payment due date ), your balance will be reported as {$0.00} and your credit utilization ratio will be very low and your credit score will be higher.

I have tested this on my own and found that my score was as much as 15 to 20 points higher.

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 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A person who pays off their credit cards in full every month and does not carry any balances is a much better credit risk than a person who does not have enough money to pay off their credit card balances. 
Here is the problem. Many people use their credit cards for everything they can, say for airline points or convenience. They get their credit card statement and pay the balance in full every month. Or they set up full balance automatic payments. You would think they would be a low credit risk and have a high score. Most of them do have a good credit score but it is lower than it should be. 
This is because the credit card companies report the balance at the end of the billing cycle to the credit bureaus. If you had a {$1000.00} balance on your statement and paid it in full the day after your statement cycle closed and then had a {$0.00} balance, you are scored the same as if you were carrying a {$1000.00} balance from cycle to cycle and paying interest. 
On the other hand, if you check and pay your balance online two or three days before the statement closing date ( not the payment due date ), your balance will be reported as {$0.00} and your credit utilization ratio will be very low and your credit score will be higher.

I have tested this on my own and found that my score was as much as 15 to 20 points higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the XXXX Account number XXXX is violating my rights to accurate information. The account is closed and was consolidated in 2019. The account is listed on my consumer credit report as open and a charge off/collection. The account has been deleted from XXXX. 

The FCRA states that credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express has failed to resolve this issue after 65 days. 

In XX/XX/XXXX American Express informed me that one of my 2 accounts was overdue, although I have consistently directed payment from my bank account to each of 2 accounts at American Express, one paid {$45.00} on the XXXX of every month and the second paid {$45.00} on the XXXX of every month. There has been no change whatsover in my monthly payment patterns. 

In XX/XX/XXXX I responded to this incorrect accusation by telling American Express in several phone calls that they were erroneously applying one of my 2 account payments to the wrong account. 

Their only response to this complaint was to start denying my current charges on both accounts, including the one where they were accruing payments incorrectly, and where credit must be shown to be available. 

In addition, I have been locked out of my accounts on the American Express website. When I called to demand paper statements via mail on both of my accounts, American Express failed to respond. Accordingly, I have been denied records that can prove my case against American Express ( other than my own bank records, which are very clear ). 

CFPB can examine their records and see that this is not the first time American Express has done this. I made an identical complaint to CFPB in XXXX, as well as in XXXX and in XXXX. 

By my account, this is the 4th time American Express has deliberately allocated payments incorrectly on my 2 accounts, and each time they have acrrued incorrect fees for an extended period of time. 

Either American Express has a serious security problem on my account records, or they are deliberately continuing a lengthy pattern of abuse on my accounts. 

Several times American Express has sent incorrect information to the credit reporting agencies and has been forced to retract. 

I strongly urge CFPB to examine American Express consumer practices and to deny them the opportunity to open new accounts until such time as all cases such as mine have been corrected with full compensation repaid to all consumers filing complaints. 

XXXX XXXX XXXX filed XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN

Complaint narrative:
XXXX a 3rd party reporting agency who is not allowed to furnish any report without my consent ( 15 USC 1681B ) refuses to correct information on my consumer report with regards to an account citizens one auto finance. the account is fraud and i am in dispute with citizens one auto finance so until the matter is completed, XXXX should not report the account. the account was closed/written/charged off in XXXX of XXXX and XXXX has another charge off date as of XX/XX/XXXX, this is largely inaccurate and affecting my score. according to irs publication 4681 a charge off is claimed as income on my tax return so how is it reported as a debt? another inaccuracy! i have no contract with citizens one auto finance making me obligated to perform any duties to them, i have not received the original contract from citizens or XXXX. XXXX has refused to show me how they validated this report - what process was used, employee who handled the process, information that was gathered on the account for the report. 
12 USC 12 & 83- states bank can not loan money so i'm confused on what citizens one auto is speaking of?

15 USC 41 & 1692g- the debt is now officially in dispute, by law all activities must cease until the matter is resolved due to the fraud of this matter i am able to right to recession 12cfr & 226.15 u.c.c. 1-201 & 4 -unathorized signature made without actual, implied, or apparent authority i have not been able to cross examine citizens one auto bank about the matter, i have spoken with representatives of citizens one auto bank but since the representative didn't sign the contract i need to speak directly to citizens one auto bank since that is supposedly has first hand knowledge of the situation, first hand knowledge refers to someone who was the witness and or saw or was in the room with me signing that contract, haven't spoken to anyone.

citizens one auto finance seems to be furninshing false and deceptive forms to make it look like i owe a debt 15 USC 169J 15 USC 1692b ( 2 ) -stating a consumer owes a debt when if fact eh consumer does not

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
This complaint is in regard to PNC bank in XXXX, NJ XXXX. In XXXX of XXXX, I applied for a loan in the amount of {$3200.00} for a hearing aid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke to XXXX in person at her desk and told her my XXXX score is about XXXX. She told me that it should not be an issue.She submitted my application online in the bank and it was instantly denied. XXXX told me that she thinks it should be appealed since she feels I should have been approved. She said she will call me on Friday of that week after she spoke to the bank manager. She never did call me ( I found out she called in sick on Friday ). I called XXXX the following week, I believe it was on a Tuesday. She told me that the bank manager would NOT appeal the denied application. I feel that XXXX lied to me and I also feel I am being discriminated against XXXX XXXX XXXX and feel the bank should have legal action taken against them. I am also a XXXX patient. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I can not accept the fact that I was discriminated against, and they should not be allowed to get away with this. I received a form in the mail a few weeks later from PNC that only has my name and loan number on it. No boxes were checked off. On the top of the form it is titled Loan Expectations and Documentation ( LEAD ) Cover sheet : Personal Unsecured Installment Loan. It does not give me any instructions to do anything and it makes no sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: GA

Complaint narrative:
To whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law toverify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized CREDITOR Please remove it from my credit report. 

I respectfully request to be provided proof of thisalleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 


Thank you, 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 2022-07-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
There are XXXX inquiries on my credit report that I didnt give any authorization or approval to put on my credit report these are the Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OH

Complaint narrative:
I submitted a recertification of my IDR to Fed LoAn Servicing. However, I was not required to do so until XX/XX/2023. I contacted Fed Loan Servicing to cancel my IDR but my request was denied because it was still being processed. I later resubmitted a request to retract my IDR once I received the letter confirming its implementation, and I was assured that this time the request would be approved within 1-2 weeks. I have still not heard back from Fed Loan Servicing and I need the IDR reversed before the loan terms are transferred to XXXX in a few weeks. The servicer is clearly attempting to dodge my requests, and the issue has not been resolved in a timely manner. I am legally not required to submit a new IDR for another year, and therefore, my calculated payment should be returned to the same payment as it was pre-pandemic before the loan freeze. I would like a letter from my fed loan to confirm this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
During covid pandemic I renewed my lease following month I saw an increase in rent as well as month to month charge. They said they did not receive my signed lease renewal. I then submitted another. XXXX apartments continued to charge me higher rate and month to month charges. I was promised wood flooring replacement which fell through as covid precautions prevented the service. I attempted to replace the wood floors myself. In XXXX I put in my 60 day notice to leave. Three days prior to end of 60 days. Someone dropped off an eviction notice even though 60 days prior I had given notice. Soon later I see a collection for 4x the amount I owed. I believe this company committed fraud on 4 different incidents. Upping rent, refusing to acknowledge signed lease renewal twice, upping rent during the pandemic, and wrongfully serving an eviction notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: GA

Complaint narrative:
Collections accounts XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX {$170.00} Hard inquires that I have no acknowledgment oXXXX 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

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 2022-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
On around XX/XX/XXXX. I applied with One Main Financial in XXXXXXXX XXXX. The loan representative was excellent in making me believe this loan was not as interest-bearing as the previous loan I had with XXXX XXXX. I was OH SO WRONG, and regret ever dealing with this company. I received a loan for {$3500.00} and here it is XX/XX/XXXX and I am being told the payoff for this loan is {$3100.00}. ARE YOU KIDDING ME? A COMPLETE RIP OFF. I have made biweekly payments for the last year and I still owe the same amount I received. One main was very misleading and it seems like I will never get this loan payed off..now my payments have changed to {$180.00} a month and I see no changes in the Principle balance. It should be illegal for companies such as One Main Financial to take advantage of customers when they are already struggling financially to have to take out these type of loans.

Company response to consumer: Closed with explanation