vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
I just received my first letter from Phoenix Financial Services on XX/XX/23. Their letter states this was the 2nd attempt. I have never seen this before and do not know anything about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: TX

Complaint narrative:
I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-06-06 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: VA

Complaint narrative:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: FL

Complaint narrative:
On XX/XX/2023 I erroneously sent a payment to my new Citibank Credit card for {$170.00} before I received my statement. I called the company when I noticed my payment wasn't credited. My acct was credited and I thought the problem resolved. However, the payment was reversed on XX/XX/2023. I again contacted the company many times without resolve, last contact was on XXXX/XXXX/203 with XXXX. I just noticed they reversed ANOTHER credit card payment paid on XXXX for {$270.00} on XX/XX/2023. I sent a letter on XX/XX/2023 without resolve and with documentation ( my bank statement indicating payments made and the welcome letter from Citibank with the prototype card that I erroneously made payments to ). I received notification that they did not have enough information to credit my accounts. I have since paid this account through their online system ( from the same bank account they are reversing the other payments ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06 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: NY

Complaint narrative:
Dear PayPal Customer Support, I am writing to express my concern and seek a re-investigation into the recent permanent limitation placed on my PayPal account ( associated email : XXXX ). 

I was taken aback by the abrupt action taken, as I firmly believe there may be a misunderstanding or an error involved in this decision. I am unable to discern any violation of the PayPal policies on my part that would necessitate such a severe sanction. I am a diligent user and have always adhered to the rules and guidelines outlined by PayPal.

To this end, I kindly request your team to revisit the circumstances surrounding this decision, and if possible, provide me with a detailed explanation about the specific actions or activities that have led to this account limitation. I am prepared to provide any additional information or evidence that may be required during this process.

I understand that PayPal 's efforts to maintain a secure and trustworthy environment may sometimes necessitate strict measures. However, in this instance, I strongly feel that the permanent limitation on my account may have been imposed due to an inadvertent mistake. 

As a long-standing and committed user of PayPal services XXXX I place great value in the security and convenience that PayPal provides XXXX The sudden and unexpected limitation on my account has caused considerable inconvenience and has interrupted my personal and professional transactions. 

Therefore, I respectfully request that you review the decision and consider lifting the limitation on my account if it is found that there has been an error. I look forward to your understanding and prompt action in this matter. 

Thank you in advance for your time and consideration. I eagerly await your response. 

Yours sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: TX

Complaint narrative:
I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I was discriminated agaist by American Express who closed all three of my accounts without my autorization. Those accounts were not held by their financial institution. Those three accounts were in good standing and not in default. Since then I have been herassed and threaten to pay an alleged debt. In addidtion American Express continues to report negative information on my consumer report by flagging my account which is all prohibbited. XX/XX/XXXX American Express is now producing false documents stating false information. They are saying I had an account ending in XXXX, whhich is false. I never had an account ending in XXXX. American express is also writing falsified statements claiming I requested a debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I have disputed these bank accounts that were open up Fraudently the bank accounts are XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX i have sent in numerous documentation with early warning services this company get paid off people debt even if is not yours the are in violation of the fair reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Navy Federal unilaterally changed the interest rate for my loan, without notifying me, approving it with me, or without without having me sign anything. 
I was unaware and overpaid in interest for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: KS

Complaint narrative:
Loan max will not close account so my credit has been deemed poor i have been unable to even get a XXXX  loan of {$2.00} When i placed the title loan as debtor with Loanmax as creditor i gave the XXXX to the driver after he lured me into the cab of his truck we talked for over an hour he asked me alot of questions about me personally then i gave him the keys and he lied on the report saying it didnt runbut i received a letter stating the XXXX XXXX sold and they applied that amount to my loan tjat that loan was then satisfied. 
I needed a title loan anf tjey denied me because of the error in my customer file XXXX needs closed and discajrged for full settlement of accounting / accounts of the XXXX XXXX XXXX account asap and i need compensated in tender and the tender tp be returned to me and the original securities/bond including interest/dividend payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
On XX/XX/2023 I deposited a check for {$2500.00} in my checking account from a local bank into my Flagstar checking account. Even though Flagstar received the funds from the deposit within a day they are still refusing to release my money in my account without cause or reason. Today is XX/XX/2023 and they have told me they intend to hold my money until XX/XX/XXXX with no cause or reason. Flagstar is illegally holding my money so they can collect interest on the funds.

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 2023-06-06 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: TN

Complaint narrative:
I sent SEVERAL letters to EXPERIAN starting from the months of XX/XX/23, XX/XX/23, and XX/XX/23 disputing said account XXXX XXXX to be removed from my account. However each dispute comes back as " REMAINS '' but according to Usc 1581a section ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they investigate besides the CREDITOR?

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I closed my checking account on XX/XX/XXXX and XXXX XXXX XXXX XXXX is reporting to Early Warning Signs that my account was closed on XX/XX/XXXX My phone numbers on the report are incorrect as well. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: AR

Complaint narrative:
The personal information on my credit report is inaccurate and I have sent multiple requests asking them to correct it with no response.

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 2023-06-06 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: VA

Complaint narrative:
I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress.

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 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: VYSTAR CREDIT UNION
State: PA

Complaint narrative:
I opened my VyStar checking and savings account on XX/XX/2023 on line. It was funded by ACH from an external account. Vystar is reporting to XXXX XXXX XXXX that the accounts were overdrawn on the dates below. The account was never overdrawn. I called VyStar 's customer service and they said it would be corrected but my recent report shows differently. 

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 2023-06-06 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: GA

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my 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 explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am a consumer XXXX XXXX. My privacy continues to be violated by CAPITAL ONE who is deemed a financial institution pursuant to the XXXX XXXX XXXX XXXX. CAPITAL ONE did not give me the disclosure to opt out of credit reporting which is optional for myself the consumer. CAPITAL ONE is reporting and communicating false debt that I do not owe to third party agencies. I have demanded that CAPITAL ONE cease reporting my private information immediately. I also demanded that CAPITAL ONE give documentary evidence of the alleged loan that CAPITAL ONE says they gave me. This demand includes all documents, papers, correspondence, books of accounts, and financial and corporate records from CAPITAL ONE. CAPITAL ONE refuses to give me the consumer how they gave me an alleged loan. CAPITAL ONE 'S actions are causing me significant harm and damages and financial hardship. CAPITAL ONE does not have consent to share my private information. I am not obligated to pay them this alleged debt as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: VA

Complaint narrative:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts.

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 2023-06-06 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: LEXISNEXIS
State: NY

Complaint narrative:
I have wrote to the credit reporting agency and also send the letter I received from the court stating that they did not send or share my private information with the credit reporting agency. A Bankruptcy is being reported in my credit file which should not be reporting on my file. this is a violation of my consumer right pursuant to the privacy act of 1974 -5 U.S.Code section 552a. this law applies to the access to, and disclosure of, records of individuals held by federal executives and regulatory agencies.The agency also violates 17 CFR 230.425 filling of certain prospectuses and communications under section 230.135 in connection with business combinations; soliciting materials according to rule 14a-12 under the exchange act and Sarbanes-Oxley act of XXXX XXXX This error on the credit reporting agency part is destroying my life, I am depressed and now suffering of anxiety, I am being denied credit. I have not given this agency a written consent to report this information in my file yet they are reporting what ever they feel like selling and buying my personal and private information, they are also violated 17 CFR 248.124 Reasonable opportunity to opt out. I have tried to resolved this issue in 2022 and I have been ignored and disrespected every and each time I have reached out in good faith.As a federally protected consumer I am opting out of any and all authorization I the consumer may have giving you per 15 USC 6802 per the opt out law cease and desist immediately reporting the bankruptcy on my credit file.The violations include obtaining information under false pretence, pursuant 15 USC 1681q ; permissible purpose of my consumer report.15 usc 1681b

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

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX accessed my credit report a total of SEVEN times without my consent from XX/XX/XXXX to XX/XX/XXXX. Some Inquires duplicates ( same day ) NONE of Which I authorized or Recognize. 

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 XXXXXX/XX/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 2023-06-06 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: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: MD

Complaint narrative:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I pay my balances every month so I do not incur interest fees. 

This month I paid the balance of the card, and 7 days later I was informed that the bank returned the incoming payment. It was not due to lack of funds- apparently there was a routing issue. 

I received a return check fee and interest fee I called and told the credit card company and they said they could not explain what happened and saw that I paid down the card to a XXXX balance but could not reverse any of the fees even though it was not of any fault of my own. 

I canceled the account and will vow never to do business with Citi for credit cards again but thought this was predatory in nature. I can afford to pay off my cards and balances but some can not. If they are treating me this way I can only image the horrors others are going through.

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 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being

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