vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hello I sent a letter to all 3 agencies plus XXXX XXXX  about non verifiable information on my report. They have responded that its accurate and verified but the court clerk and pacer both stated that they do not report information to credit agencies. 
This information is being unlawfully reported and they refuse to remove it from my report. when I responded to their letter saying its verified I never received a responded after 60 days. 

this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of record. I formally contest the reportability of the alleged Public Record.

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 2024-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: MI

Complaint narrative:
UFB Direct - Online Financial Institution. The interest rate on my money market account does not appear to be calculating correctly. The APY promised is 5.25 %. When I contacted customer service today ( XX/XX/year> ) they indicated the calculation of interest should be based on an APR of 5.12 %. 

To calculate my interest I multiply the end-of-month balance by 5.25 %, divide that number by 365 ( days ) and multiply that number by the # of days in the month. Example : {$10000.00} end of month balance- XX/XX/XXXX. {$10000.00} X .0525 , % 365, X 31 days ( XXXX ) = {$44.00} interest for XXXX. 

I have been told many times by customer service that I should be multiplying the {$10000.00} by .0512. I do not believe this is correct and will never yield an annual percentage of 5.25. 

Do you concur with UFB Direct or my calculation? If I am incorrect, I do apologize and withdraw my complaint. However, If I am correct, I am concerned that this may be a systemic problem and other consumers utilizing this financial institution my also have their interest calculated incorrectly. 

Please help- Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing this complaint to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing this complaint to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: WI

Complaint narrative:
recieved overpayment of escrow and DID NOT KNOW I HAD TO RETURN IT TO PNC. They refuse to " reanalyze '' my escrow payment because I did not return the money. They have increased my mortgage payment $ XXXX and this is a hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
Subject : Formal Dispute of Alleged Fake Rental Debt Account Dear Sir/Madam, I am writing to formally dispute the alleged debt referenced above, which is being pursued by XXXX XXXX XXXX XXXX I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) in resolving this matter under the guidelines of the Fair Debt Collection Practices Act ( FDCPA ). 

I want to emphatically state that I have never resided at nor applied to the location associated with this alleged debt. Therefore, the debt in question is entirely fabricated and without merit. Despite my repeated attempts to resolve this issue directly with XXXX XXXX XXXX, they continue to pursue collection activities based on false claims. 

I request that the Consumer Financial Protection Bureau intervene in this matter and require XXXX XXXX XXXX to provide the following documentation to verify the validity of this alleged debt : Any and all records purportedly linking me to the rental property or application associated with this debt. 
Documentation proving that I applied for or resided at the aforementioned location, including any signed contracts or lease agreements. 
Proof of any communication between myself and XXXX XXXX XXXX regarding this debt. 
Any other evidence supporting the legitimacy of this debt. 
Given the fraudulent nature of this claim and the ongoing harassment by XXXX XXXX XXXX, I urgently seek your assistance in resolving this matter. I request that all collection activities cease immediately, and any negative remarks made on my credit report related to this false debt be retracted promptly. 

I appreciate your attention to this urgent matter and trust that the Consumer Financial Protection Bureau will take appropriate action to protect consumers from unjust debt collection practices. 

Thank you for your prompt assistance.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am writing to complaint to ALLY FINANCIAL about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights

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 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
The card that I held was a Caesars Rewards VISA Card by Comenity Bank. 

In XXXX of 2023, there was a hotel charge that appeared twice on my bill. I attempted to dispute that charge through my credit card company, which they were happy to take on with me. They said it would probably take a few months, which was fine. 

This is not a card that I use that often, so it has never carried a balance. 

After the first month of it being investigated, I noticed that there were interest charges that appeared on my bill. I had autopay enabled on my account, so it should have automatically deducted any amount that was due. 

When I called to inquire about it, the rep that I spoke to ( XXXX ) let me know that any interest that accrued while the investigation was ongoing would be 100 % removed at the end, and that I was not responsible for it. 

By the time the investigation ended, after several calls and emails with the bank, they informed me that the interest charges were valid, even though their rep had told me something entirely differently, and they could have taken my payments at any point under our initial agreement. 

Now, the total interest is not much ( $ XXXX $ XXXX $ XXXX {$3.00} ) {$9.00} - because the one charge that was pending while all of this was going on was not much, and it has been paid and my account with them has been canceled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
The told me via email and in their app they were closing my account and won't tell me why

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Hello, I bought a vehicle and the dealer never provided the title, the bank that financed it does not have a copy of the title either and I have continued paying for the car but I can not register it. I'm reporting on the credit and I'm paying for a vehicle that isn't mine, I tried to communicate with the dealer and close. I bought the vehicle on XXXXXX/XX/year>

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 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: VA

Complaint narrative:
Frontline Assets at XXXX has been calling my phone looking for someone name XXXX to collect a debt. I keep telling them that he no longer has this phone number and it is my cell phone number now and have been since 2011. They keeping saying the will stop calling me and that has not happened. I will not provide them with my name but it's clear that I am not XXXX. They never say his full name. My name is XXXX XXXX and XXXX assigned me this phone number when I moved to Virginia in 2011. I want them to stop harassing and calling me everyday. Also XXXX XXXX at XXXX has been calling me asking for a XXXX XXXX to collect a debt since I had this phone number in 2011 and when I tell them this is not her phone number anymore, they say they will stop call but keeps calling anyway. I am being harassed by these two companies. My credit is very good and I pay all my bills on time and these calls is stressing me out. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
So first of all, your generalized questions did not fit my situation, the credit card company ( XXXX ) has done absolutely nothing wrong and been very helpful. The problem is with PayPal. 
My mother and I share a credit card. I used it to make a payment on a purchase at a XXXX XXXX, XXXX XXXX XXXX ( phone number- XXXX ). 
Because the name that appeared on the statement was XXXX XXXX XXXX, my mother thought this was some sort of dating site trying to scam us. She called XXXX and reported suspicious activity. I got home from work a short time later, we talked, she learned what happened, and immediately called XXXX back. This occurred in such a short time frame, XXXX had not even cancelled the transaction yet, and allowed it to go through. End of issue. ( PayPal Invoice Number : XXXX ) ( XXXX ID # : XXXX ) PayPal has now kept my approximately {$2600.00} for 10 days now for absolutely no reason. Every time I call them, they claim they are waiting on the seller, or XXXX, or both. I have reached out to both the seller and XXXX XXXX Services ( phone number : XXXX ) several times. Both are unaware of any action they are required to take, both have requested PayPal call them and left PayPal numbers and messages several times, and both have been ignored. No one, including XXXX, understands why or how PayPal is allowed to just keep my money as long as they want, and no one seems to be able to explain to me when they will give my money back. They say they are waiting for the conclusion of an investigation by XXXX, but XXXX has confirmed several times that there is no investigation, and was no fraud. I dont know how to get my money back, I dont understand why they think they are entitled to keep it, I dont understand any of this and I need help. Thank you. XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit 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: DISCOVER BANK
State: NY

Complaint narrative:
Card was declined due to not being activated. I have the email they sent me on XXXX XXXX XXXX  stating it was declined. Then the charge went through anyway. How can this be?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Edge Home Finance, LLC
State: FL

Complaint narrative:
Application was made and the appraisal was ordered by the lender, we paid the {$550.00} fee only to have the appraiser come out and decline to do the appraisal!? What!? This negligence caused us to be declined by that lender and start over with another lender resulting in losing our rate lock. To add insult to injury they not only did not perform the appraisal they were hired to do, but they also only refunded us {$250.00}! Keeping {$300.00} of our money. 

The second lender also ordered an appraisal, and everything went smoothly as we expected it to go the first time!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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 explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I noticed there are a few problems on my personal credit report on XX/XX/2024. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

I request that you immediately investigate this matter and take the following actions : Account name : XXXX XXXX XXXX When the account was opened : XX/XX/2024 Account number : XXXX Account balance : {$420.00} Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are required to provide validation of the debt within five days of receiving this dispute letter. Failure to do so may result in legal action.

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 2024-05-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Asked about the late fee on the account to be waived. Said they couldn't waive because they only waive a late fee every 12 months. The late fee is XXXX the first time, and if late again in the next 6 months it goes up to XXXX. I told them it was a mistake on my part for not getting it on time, not that it couldn't be paid. I tried twice with two different reps and they said they couldn't help. They gave me the link to look at the credit card aggreement. I just thought that a law was passed on XX/XX/XXXX signed by the president to lower the late fees to XXXX? If that is true, why are they charging so much?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: WI

Complaint narrative:
I opened an account with SoFi on or around XX/XX/2024, in order to receive the deposit account bonus of {$300.00} being advertised. I met all of the requirements in order to receive the bonus, but SoFi refused to make the bonus payment to my account. This is in direct violation of the terms and conditions and is a clear UDAAP violation. 

Additionally, I received incredibly poor customer service and assistance while attempting to work with SoFi directly to resolve my concern.

Company response to consumer: Closed with explanation