vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 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: National Credit Adjusters, LLC
State: GA

Complaint narrative:
With XXXX I have issued a letter of receipt for XXXX  acct # XXXX paid {$1400.00} regarding creditor XXXX showing I paid and showing that in the letter this was to be removed. It states in the letter it will be removed. I submitted more than 3 times in the month of XXXX and they have not removed it they just kept it on my report and did put paid less than the agreement. With National Credit Adjusters I paid {$350.00} acct # XXXX & XXXX, twice I have submitted my letter that states paid in full along with my bank statement showing the amount paid along with the confirmation number and the manger number, email address and they still close it the next day and updated it stating still owed i also included my bank statement showing paid. With XXXX. I provided them the login statement showing I paid the {$160.00} on XX/XX/XXXX and I provided my bank statement showing this amount was paid and they continue to close. I feel discriminated on by XXXX I provide the proof and they don't do any update at all and against the creditors who i paid my money on and they dont do the proper updating. This is unfair to obtain confirmation numbers and letters and XXXX ignores them and allow the creditors to lie. NCA  confirmation # XXXX & XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Was scammed for {$100.00} on XXXX through my PNC bank app. Someone by the name of XXXX XXXX on XX/XX/XXXX tried to get hundreds from me via refunds and creating a fake XXXX email address to receive funds. I spoke with PNC two days ago and they could not guarantee me a refund for the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: IL

Complaint narrative:
Credit report was obtain without consent which I believed to be a identity theft. Went to a car dealership and they ran my credit without consent to multiple financial institutions without consent. I am unable to resolve or dispute inquiries with the credit bureaus.

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 2022-08-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Credit report was obtain without consent which I believed to be a identity theft. Went to a car dealership and they ran my credit without consent to multiple financial institutions without consent. I am unable to resolve or dispute inquiries with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: MD

Complaint narrative:
I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, and invalidated and you responded by stating you were able to verify or validate. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made have failed to provide proof of how those inaccuracies information were verify, what method was used and who verified it? 
you failed to comply and provide those information by law to remove it from my credit file. I urge you to remove this LATE PAYEMENT on my account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 
including a small claims court in my area. This is my warning. I demand you to delete these items at once XXXX  XXXX ID # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # 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 2022-08-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In XXXX of XXXX of purchased a ring from XXXX XXXX. I was going to pay cash they insisted i use credit and received 18 months no interest. Reluctantly i agreed. What a mistake this was! I began automatic payments of XXXX a month This would ensure my ring was paid off prior to the 18months. I purchased a second ring in XXXX of XXXX. 

In XXXX of XXXX  my balance was XXXX, my automatic payment of XXXX came out as scheduled. I didn't realize there would have been a XXXX balance, if I did I certainly would have paid it. My next bill i received was for XXXX! XXXX added the interest of XXXX percent from day one the entire amount of both purchases over a balance of less than XXXX! 

this is how they reward a good paying loyal customer who chose XXXX XXXX  over many other shops! 

i have called them to explain the oversight figuring of course they would take care of this. All that yielded me was a big headache and a waste of 2 hours on the phone with three different people saying they can't help me. this is an unfair business practice. if they were to charge me, they should be charging me on my second purchase not the first that would have been paid in the time frame. But look at the whole picture we are talking a matter of a few weeks and I'm told they won't do anything about it. i completely understand the technicality they are getting me on, it's very clear to me after seeing my new statement and have three people explain it over and over rather than to try and keep a good customer happy and say yes, we will work with you here. I also explained to them that i am unfortunately receiving XXXX and i am having a XXXX XXXX  for XXXX in the next month. No one would help all i got is this is our policy. 

XX/XX/XXXX balance XXXX XX/XX/2022 payment XXXX total balance left would have been XXXX XX/XX/2022 statement interest added to balance XXXX New balance of XXXX! 

I will never shop at this company again and i would strongly advise against it. Not to mention two of the stones fell out of the ring 5 months after owning it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: FL

Complaint narrative:
Company Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Balance {$720.00} On XX/XX/2022 I sent a certified letter to all three credit bureaus ( Experian, XXXX XXXX XXXX XXXX asking for them to do a thorough investigation of everything on my credit report. On XX/XX/2022 Experian stated that everything was accurate, and their investigation is complete. I never received any correspondence from XXXX or XXXX in regard to them researching my credit report. After completing some research on my credit report, I have still found some inaccuracies on my credit report even after their investigation was completed. 

In accordance with the Fair Credit Reporting Act XXXX 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 a account without my written instructions.

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 2022-08-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
After checking my credit report with Equifax, I saw that I have inquiries that I never authorized or gave my consent to. I also have reports from XXXX and XXXX that needed to be deleted off. Equifax violated my consumer rights and the FDCPA as well as the FCRA by furnishing negative information on my report, furnished negative information without my knowledge or consent, kept information on my report for longer than seven years, reported payments that were paid on time as being late. I've sent letters that were received by Equifax but the problems were not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: DE

Complaint narrative:
To Whom it May Concern : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 
1.XXXX XXXXXXXX XXXX 2. XXXX XXXX BANK XXXX XXXX 3.XXXX  4. XXXX XXXX 5. XXXX BANK 6. XXXX 7 XXXX XXXX XXXX BANK 8. XXXX 9. XXXX  10 XXXX XXXX XXXX 11.XXXX Sincerely, 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 2022-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I asked Venmo to freeze my account with them as I was out of the country and couldn't readily access it, which they did on XX/XX/2022. I then asked them to unfreeze the account on XX/XX/2022, which they said they would look into within 6-7 business days. I sent a separate request for unfreezing my account on XX/XX/2022, finally getting a response on XX/XX/2022. I was asked to upload a picture of government issued ID, and a picture of me holding it. I uploaded a photo of my passport and selfies of me holding it on XX/XX/2022, which was rejected. I find it incredulous that a passport -- arguably one of the most secure forms of ID issued by state or federal government -- could be rejected. I have since sent a photo of my driver 's license, but this is just ridiculous, and arguably unsafe for me to keep transmitting photos of my IDs all in the name of keeping me safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Monday, XX/XX/22 I called Black Card - Barclays- and reported suspected fraud involving my card. I was not sure but suspected it strongly enough to put a hold on my credit card and to check what charges had been made. Representative confirmed my last charge was the one I had made previous to the suspected fraud charge. I asked for Barclays to put a hold on my card and to suspect my card number to be used in potential fraud beginning immediately. Representative went through the protocol to get that accomplished ( asked to speak to the primary card holder -spouse- verified last four digits of SSN # and asked what site was suspected of the fraud -XXXX XXXX XXXX ). This representative instructed that my card was on hold immediately and no charges matching my credit card would go through. The very next day, On XX/XX/22, a {$79.00} charge to an XXXX was approved and went through as a charge to my account number on hold. Last XXXX on XX/XX/22, ( approx. XXXX XXXX XXXXXXXX ) I immediately called Barclays 24 hour member representative number on the back of my card ( Not Concierge number as I had done on XX/XX/22 - because it was currently XXXX hours PST ) and XXXX, the representative could not help me in any way because his system was down. 
I asked for a Supervisor to call me back when the system came back up but I have not received a call as of this XXXX  on XX/XX/22. No charges should have gone through on a card I reported potential fraud on a day prior AND went through the Concierge phone number on the back of my card to report it as such! I asked to put a hold on my card ( also checked to make sure the last charge which was made on my charge card was at XXXX XXXX XXXX  XXXX earlier before suspected fraudulent site of XXXX XXXX XXXX ). I am not responsible for the {$79.00} charge from an XXXX on XX/XX/22 ( which was fraud ).

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 2022-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i had long XXXX. I applied for a modification. After full submission. I was told that i had a previous modification. All i asked for was to put the payments to the rear, They said they had to lower the payments. I will lose my home f i cant do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: MD

Complaint narrative:
I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, and invalidated and you responded by stating you were able to verify or validate. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made have failed to provide proof of how those inaccuracies information were verify, what method was used and who verified it? 
you failed to comply and provide those information by law to remove it from my credit file. I urge you to remove this LATE PAYEMENT on my account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 
including a small claims court in my area. This is my warning. I demand you to delete these items at once XXXX XXXX ID # XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: MD

Complaint narrative:
I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, and invalidated and you responded by stating you were able to verify or validate. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made have failed to provide proof of how those inaccuracies information were verify, what method was used and who verified it? 
you failed to comply and provide those information by law to remove it from my credit file. I urge you to remove this LATE PAYEMENT on my account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 
including a small claims court in my area. This is my warning. I demand you to delete these items at once XXXX XXXXXXXX ID # XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX  account # 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 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Received a letter from Bank of America that i was approved for a new credit card- with a limit of $ XXXX that I never applied for - I called them and shut it down. 
XXXX noted a change of address in my file to a new address in CA that does NOT belong to me. 
XXXX also told me someone was trying to access my XXXX XXXX And XXXX XXXX XXXX XXXX XXXX through XXXX XXXXXXXX and change the address

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 2022-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account is not mine, I don't authorize anyone to use my account, Please remove this inaccurate account. 

1. XXXX XXXX Account Number : XXXX Bal : {$4500.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$0.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : {$80.00} 4. XXXX XXXX XXXX XXXXXXXX XXXX. 
Account Number : XXXX Bal : {$690.00} 5. XXXX XXXX XXXX Account Number : XXXX Bal : {$490.00} 6. XXXX XXXX Account Number : XXXX Bal : {$1000.00} 7. XXXX XXXX Account Number : XXXX Bal : {$480.00} 8. XXXX XXXX Account Number : XXXX Bal : {$1100.00}

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 2022-08-11 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: Kriya Capital, LLC
State: GA

Complaint narrative:
With XXXX I have issued a letter of receipt for Credence acct # XXXX paid {$1400.00} regarding creditor XXXX showing I paid and showing that in the letter this was to be removed. It states in the letter it will be removed. I submitted more than 3 times in the month of XXXX and they have not removed it they just kept it on my report and did put paid less than the agreement. With XXXX XXXX XXXX I paid {$350.00} acct # XXXX & XXXX, twice I have submitted my letter that states paid in full along with my bank statement showing the amount paid along with the confirmation number and the manger number, email address and they still close it the next day and updated it stating still owed i also included my bank statement showing paid. With XXXX. I provided them the login statement showing I paid the {$160.00} on XX/XX/XXXX and I provided my bank statement showing this amount was paid and they continue to close. I feel discriminated on by XXXX I provide the proof and they don't do any update at all and against the creditors who i paid my money on and they dont do the proper updating. This is unfair to obtain confirmation numbers and letters and XXXX ignores them and allow the creditors to lie. XXXX confirmation # XXXX & credence # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 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: GA

Complaint narrative:
With Experian I have issued a letter of receipt for XXXX acct # XXXX paid {$1400.00} regarding creditor XXXX showing I paid and showing that in the letter this was to be removed. It states in the letter it will be removed. I submitted more than 3 times in the month of XXXX and they have not removed it they just kept it on my report and did put paid less than the agreement. With XXXX XXXX XXXX I paid {$350.00} acct # XXXX & XXXX, twice I have submitted my letter that states paid in full along with my bank statement showing the amount paid along with the confirmation number and the manger number, email address and they still close it the next day and updated it stating still owed i also included my bank statement showing paid. With XXXX. I provided them the login statement showing I paid the {$160.00} on XX/XX/XXXX and I provided my bank statement showing this amount was paid and they continue to close. I feel discriminated on by Experian I provide the proof and they don't do any update at all and against the creditors who i paid my money on and they dont do the proper updating. This is unfair to obtain confirmation numbers and letters and Experian ignores them and allow the creditors to lie. XXXX confirmation # 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