vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA

Complaint narrative:
Dear Sir, or Ma'am, Although the XXXX bank doesn't remind me of any other criminal incidents I've experienced, since opening my account at BankMobileXXXX  through financial aid at my college, I have had consistent problems with it. They ROUTINELY charged me the $ 3 monthly service fee even when I had well over the required {$300.00} ( approx. ) amount in my account, e.g., {$700.00}. 
I think there were other irregularities, too, but, since I'm homeless, and since COVID closed the college campus, I really have lost track of what the bank was or wasn't doing. I complained to them each time at first, then got tired of that, thinking, " well, it's only a few dollars, and I have to get this paper written for [ XXXX, XXXX, XXXX XXXX, etc. ], '' and I didn't follow up on it. I also don't have a phone very often, and when I do, its a XXXX, since you need an address for anything else, and, like I said, I'm homeless. 
Recently, I discovered a XXXX purchase that I didn't make. On XX/XX/22, {$2.00} was deducted from my account. I really doubt that I was there. As soon as I saw it ( on the XXXX or XXXX ), I thought back -- it would have been within the past 3 days -- and was sure that I had not been to XXXX. The last balance I remembered was {$3.00} ( approx. ), and I was saving that for some occasion when I needed to use XXXX ' wi-fi. So, I had been saving it and would have remember spending it, I think. This has happened before with XXXX ( XXXX XXXX, CA, I think ), but I don't remember the dates or amounts. 
This might be two separate issues : the XXXX  ( XXXXXXXX XXXX ), and XXXX. I don't have enough information on XXXX to say how often this has happened, but I think it happened this time, and the other time I mentioned, as I simply don't check my statements that often ( I'm homeless, and secure wi-fi is not that easy to find ).

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 2022-09-27 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: WA

Complaint narrative:
XXXXXXXX XXXX XXXX IS MISTAKENLY REPORTING ME IN COLLECTIONS. PLEASE SEE AN ITEMIZATION OF ALL MY MEDICAL RECORDS FROM XXXX ATTACHED. THIS IS DIRECTLY FROM THE HOSPITAL AND ALL BILLS WERE PAID THROUGH MY INSURANCE. PLEASE DELETE THE XXXX XXXX FROM MY CREDIT. PLEASE AND THANK YOU VERY MUCH.

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 2022-09-27 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: WA

Complaint narrative:
XXXXXXXX XXXX XXXX IS MISTAKENLY REPORTING ME IN COLLECTIONS. PLEASE SEE AN ITEMIZATION OF ALL MY MEDICAL RECORDS FROM XXXX ATTACHED. THIS IS DIRECTLY FROM THE HOSPITAL AND ALL BILLS WERE PAID THROUGH MY INSURANCE. PLEASE DELETE THE XXXX XXXX FROM MY CREDIT. PLEASE AND THANK YOU VERY MUCH.

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 2022-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: NC

Complaint narrative:
Contacted company via Certified mail on XXXX to ask for validation of debt trying to be collected by this company. 

15 usc 1685i ( 5 ) removal of inaccurate invalidated/innacurate credit information " debt has not been validated, see attached letter dated XXXX and letter dated XXXX '' 15 usc 1681e ( B ) compliance procedures maximum possible accuracy " debt is not reported accurately across three bureaus SEE DATE OPENED, NUMBER OF MONTHS ( TERMS ), HIGH CREDIT, LAST REPORTED, LAST ACTIVE, DATE OFF LAST PAYMENT. 

15 USC 1681 602A states I have the right to privacy.

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 2022-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
I have contacted Mr. Cooper on several occassions. They are holding almost double the oustanding balance of the loan and have cost me substantially because I didn't have the money to pay a deposit for repairs. 
XXXX XXXX Loan Number XXXX Balance approximately {$72000.00} Holding insurance amount over {$120000.00} They will not send documentation as to what provision allows them to hold this money, they will not respond with written correspondence and they will not release the amount over the XXXX What law governs this as I would like to pursue legal action pro se. I also want to formally file a complaint here against Mr. Cooper. They have also charged me late fees that were not late in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
I applied for CARE CREDIT a couple of times and was recieving an inconclusive response with a link to the credit bureau. I need to get approved for care credit in order to receive medical treatment. 
I called care credit they told me i should just apply again, i applied numerous times and have been getting the same response. Care credit has not helped fix this issue and i havent been able to pay for my healthcare.

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 2022-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Unable to use account. XXXX. account not working, no solution provided from PayPal. Attempted to contact support over ten times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy. 15USC 1681 section 604a section 2 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 2022-09-27 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy. 15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
me and my wife got a settelment. we deposited it in our chase account.they put a 7 day hold on it.after the 7 day hold they froze our account said checks where fraudulent.the checks came from our attorny allmost 14000 dollars we went to the bank on the XXXX of XXXX we where told the checks would be mailed back. the checks cleared our attornys bank on the XXXX of XXXX. we still have not seen a check or our money. please help my phone is XXXX XXXX XXXX its been three weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX XXXX still shows that I have over {$1000.00} balance. I had paid it down to XXXX & than all new transactions that were fraudulent were made. I reported this months ago, but they are still taking my minimum payment ( which I shouldnt have to make because they are not my charges ) I told them to close my acct. but it keeps showing as open. 
Same thing happened with XXXX XXXX Citicard. I want them all closed, but they keep showing as open. 
Also my XXXX Credit Journey dropped by over 50 points. It stated there were 7 recent hard credit pulls. I have made 0.

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 2022-09-27 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: NY

Complaint narrative:
i did not authorize nor consent to the following inquiries being furnished on my consumer reports. 

1. XXXX CO XXXX XXXX XXXX XXXX, XXXX, 2022 ) 2. XXXX ( XXXX 2022 ) 3. XXXX XXXX DELAWARE ( XXXX, XXXX, 2022 ) 4. XXXX ( XXXX, XXXX, 2022 )

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 2022-09-27 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: GA

Complaint narrative:
In accordance with FCRA. this creditor has violated my rights under XXXX5 USC 1681, Sec 602, states I have the right to privacy, 15 USC 1681, Sec 604 ( a ), Section 2, states a Consumer Reporting Agency can not furnish an account without my written instructions! Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open ended Consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX I received a series of emails from Bank of America stating congrats on your new account. Unfortunately I was not aware of this new account. Then the next day I received an email from CFPB making the public aware of the CFPB Fines XXXX XXXX  {$37.00} Million for Illegally Exploiting Personal Data to Open Sham Accounts for Unsuspecting Customershttps : XXXX # _=_ publication was I did not open an account, it was fraudulently opened without my consent... I'm not sure what this will do to my credit future

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 2022-09-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
I opened an account with Comenity BankXXXX XXXX XXXX XX/XX/XXXX. I have been making payments in store in amounts typically in excess of the minimum due while I was on a differed interest plan. I learned in XXXX 2022 that my account was closed without my knowledge. Since then, the attempts I have made to continue payments are not successful. I have reached out by phone to the number on the back of my card. While on the phone, I get transferred to a so-called debt resolution department which is nothing more than a voicemail box. The account in question is still reporting to my credit reports. It has also come to my attention that there was an inaccurate out of state address that was added to my account since my application was approved according to the XXXX XXXX, IA XXXX XXXX. The call center for Comenity disagrees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: DC

Complaint narrative:
On XXXX XXXX, 2022, the FTC ordered Credit Karma to pay {$3.00} mil to consumers. I was a victim of these false claims by credit Karma alleging I was pre-approved but was denied. The misrepresentation of Credit Karma has caused severe mental anguish and anxiety for my family and I. I had applied for a personal loan of {$10000.00} and two {$10000.00} credit cards and was also denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I got an email on XX/XX/2022 stating, " Dear Applicant : You are receiving this notice because you applied for a NetCredit product through XXXX XXXX. Your request for consumer credit was carefully considered, and we regret that we are unable to approve your application at this time, for the following reason ( s ) : '' I never applied for this. I tried calling this company because the email also showed this : XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX Account # : ******* XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX Which made me think and ask the first person who answered did someone open an account with this company in my name. The person hung up on me. 

I called back and asked for a manager and was put on hold for over 20 minutes at which time I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I've attempted to fix this, and I keep getting stuck in what feels like automated responses with no one actually looking into my complaint or issue. I purchased an XXXX XXXX in XX/XX/2022 with Best Buy. I paid off the XXXX XXXX and my account balance was {$0.00}. I then started to be billed an XXXX XXXX  monthly fee for an XXXX XXXX XXXX. I attempted multiple times to use Best Buy 's automated customer service system to cancel this charge. It kept trying to cancel my Best Buy account, which isn't what I was trying to do. I do not recall authorizing this charge. I can not find any agreement or contract stating that my purchase was dependent upon the purchase of this warranty program, and I'm not required to have it to own my XXXX XXXX. Yet, I'm still being charged for it and now it was incorrectly reported to the credit bureau as delinquent and my credit limit was decreased, despite having tried to cancel this well ahead of time and despite never actually asking for this warranty in the first place. I feel like Best Buy has been deceitful in getting this added without any real intention on my part of purchasing it and they continue to harm me by requiring me to pay for a warranty I've never requested in the first place. 

I've disputed the late credit reporting directly with Best Buy and the response was returned within less than 24 hours. I disputed this with the bureau and again the response was returned quickly without any human actually hearing the complaint and addressing the issue directly. When I asked Best Buy to provide me proof that I made this purchase, they refused to do so. They offered to send me terms and conditions of the card, but not actual proof that I purchased the warranty. I do not want this warranty product, I have never asked for this warranty product, and I keep asking to have the resulting delinquency comments on my bureau removed. This is unfair to me to continue to harm me over an {$8.00} warranty that I never signed up for. I've paid for the watch, the only product I purchased. We are talking about a pure profit add on charge for Best Buy that I didn't ask for and Best Buy continues to charge me for.

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed this account various times for fraud and various inaccuracies on my report. This company has violated my rights under 15 USC Code 1681i and continue to illegally report false 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 explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica
State: MI

Complaint narrative:
I received a statement if account from Comerica Bank. And then I received a set of checks attached to the account. I did not request a checking account from Comerica Bank. I contacted Comerica and they have closed the accounts. XXXX in their fraud department identified that checking, savings and online banking accounts were created fraudulently in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: IL

Complaint narrative:
On XX/XX/22 I was searching for loan lenders and Minto Money popped up on XXXX. I applied for a {$400.00} loan because I needed help making a tuition payment for school. I got approved and received funds soon after. They were never ( still aren't ) transparent about their rates, fees, or loan periods. I also have since found out they are not regulated by state laws. I have made 9 biweekly payments so far of {$100.00} since XX/XX/22. All payments made through automatic bank payments. I never get any sort of receipt or confirmation email. Nothing. My bank is just charged every XXXX weeks. When I contacted them through their website asking to see how much more I owed, their customer service agent offered to " lower my rates '' ( with no explanation ) if I simply verified by bank login info (? ) through something called " XXXX ''. They then right away sent a text to my phone number asking for verification but I did not respond nor proceed to give out any more information because when I looked them up I found many reports of lawsuits against them including reports of identity theft and scamming. I am extremely concerned and am asking for help as I've given them all of my info ( through process of application ) including my SSN. I was in need of assistance so I took out a loan from them back in XXXX but they were never upfront about their rates or about the payment plan before anything. I feel like I've been taken advantage of and am struggling because of the payments. Mainly I'm concerned that they have my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: GA

Complaint narrative:
In accordance with FCRA. this creditor has violated my rights under 15 USC 1681, Sec 602, states I have the right to privacy, 15 USC 1681, Sec 604 ( a ), Section 2, states a Consumer Reporting Agency can not furnish an account without my written instructions! Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open ended Consumer credit plan as late for any purpose.

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 2022-09-27 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:
In accordance with FCRA. this creditor has violated my rights under 15 USC 1681, Sec 602, states I have the right to privacy, 15 USC 1681, Sec 604 ( a ), Section 2, states a Consumer Reporting Agency can not furnish an account without my written instructions! Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open ended Consumer credit plan as late for any purpose.

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