vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 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: CT

Complaint narrative:
XXXX XXXX Credit Card. 
Transaction Date : XX/XX/2022 Transaction Amount : {$68.00} I have submitted to make payment on XX/XX/2022 and I thought it was successful. I did not receive any email communication if the transaction was not successful. 

XXXX Month : Interest with late fees. 
XXXX Month : Interest with late fees. 

I have not received the emails to my Inbox, XXXX email notifications go to my scam email box. Interestingly. their advertisement emails are being received in Inbox though. 

In between, I have not received any mail communication. On XXXX month, I received the last mail where I called the XXXX XXXX. They waived month interest and late fees and we agreed to pay {$96.00} and close the account. 

When I paid {$96.00} for a transaction of {$68.00}, it is fraud that they have impacted my credit report. There is a XXXX point drop in my credit report reported by Trans Union. 

Thank you.

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 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
Weve had a Barclays choice privileges card since XXXX. We spent the required amount to receive our points. We are not getting any points in spite of spending and paying off monthly balance. We have spent hours on the phone trying to get our points with no success. Weve been passed from person to person without results. Weve been cheated out of XXXX XXXX points.

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 2022-08-29 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: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account with late payments, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 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
Consumer complaint received 2022-08-29 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: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account with late payments, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 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 2022-08-29 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: PNC Bank N.A.
State: TX

Complaint narrative:
Last year in XX/XX/XXXX to XX/XX/XXXX there were fraudulent charges done on my credit card. The total was spend {$11000.00}. At that time the bank was XXXX. Once I noticed my card was stolen and called all of the charges that were done on my account I called them to investigate. XXXX told me they will look into it and let me know. I kept calling them every other week and did not hear anything back. In around XX/XX/XXXX PNC took over XXXX and they told me I needed to speak to the Fraud Dept. with PNC. They told me at the time they will look into my case. I kept calling every month to check and they could never update me. I finally was able to get in contact with a representative in XX/XX/XXXX that took action and he was able to place my account in front of the investigator manager. They promised me I would hear back in 30 days. After almost 30 days passed I noticed on my account all of the charges were taken off in XX/XX/XXXX and I had XXXX balance in XX/XX/XXXX. I assumed that they had fixed everything. In the beginning of XXXX I can my credit reports. It showed I owe {$10000.00}. I was shocked as everything was removed and updated. I also noticed there are late fees reported on my account. I started calling PNC Fraud Dept. every week and they could not give me an answer to why I have a balance on the fraudulent charges from last year XX/XX/XXXX to XX/XX/XXXX and why there was a late fee showing on my credit. I have yet to get a response regarding those fraudulent charges on my credit card that I did not do. The late fee is also still showing my my account. I need to know why they will not help me and remove charges I did not do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I tried to use XXXX to transfer money to an acquaintance of mine who submitted a " Send money request '' through Paypal. Somehow when I tried to make a payment, the site has redirected me to XXXX, a Paypal 's affiliate. I never even created a XXXX account in first place. 

XXXX 's website showed that this transaction can not be completed. I contacted XXXX and they said that I violated their User Agreement and that I can appeal the decision. 
I sent an email to XXXX telling them that I would like to appeal this decision but without letting me know what happened and allowing me to explain the situation, they permanently closed my account because one of my recipients has violated their User Agreement. 

If this is their policy, then they need to make sure that if someone has violated their User Agreement, then senders need to be informed about that so they do not inadvertently violate the User Agreement. 

I feel like that I did not do anything wrong. If somebody violated their User Agreement, why does XXXX hold me accountable for something I was not aware of? It was not my choice to knowingly violate their User Agreement. 
I want a more detailed explanation from XXXX. 

Here is their email : Dear XXXX XXXX, Customers may not use XXXX service in violation of XXXX User Agreement or applicable laws, rules or regulations. It is a violation of XXXX User Agreement to use the service for any of the following activities, including but not limited to : sexually-oriented materials or services ; gambling activities ; or commercial transactions that involve tobacco, firearms, prescription drugs, or other controlled substances. 



Additionally, sending money to a recipient who has violated the User Agreement will affect your ability to use XXXX. Based on a thorough review of your transactions and/or your recipients transactions, we have decided to close your XXXX account XXXX 



Our complete User Agreement is available for review on our website. 



Thank you. 



XXXX Customer Compliance Team Thank you! 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SD XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2022-08-29 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: TX

Complaint narrative:
On XX/XX/2022, I Disputed an item on my Transunion Credit Report through their Website. First of all, the debt is not mine. I also sent the collection agency my dispute notification via certified, return receipt, US Mail. The name of the collection agency is XXXX XXXX XXXX in XXXX, Georgia. The address listed for them on my Transunion Credit Report is : XXXX XXXX XXXX, XXXX, GA XXXX. My certified mail was returned because that address was bad, so therefore, I could not dispute the item with XXXX XXXX XXXX. I sent all evidence to Transunion via their Website and explained to them that XXXX XXXX XXXX furnished Transunion with a false address, so therefore this account should be deleted from my Credit Report as it can not be disputed due to a false address. I get notice from Transunion on XX/XX/2022, that they verified this account as accurate. How can they possibly verify the account when their own information about XXXX XXXX XXXX is false? This account should be removed from my Transunion Credit Report immediately. Thank you.

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 2022-08-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
We have made several attempts to close a paid off HELOC to no avail. We took out a XXXX XXXX XXXX with PNC on XXXX with PNC, whereby part of the proceeds were REQUIRED to payoff our existing HELOC. The balance was paid off, however, the HELOC was not closed. When I saw that the HELOC remained open, I inquired with PNC and was told that I had to submit a letter in writing to do so. I FIND THIS INCREDIBLY IRONIC, AS A CREDIT DECISION WAS MADE TO THE CONTRARY. THE ENTIRE AMOUNT OF THE HELOC WAS AVAILABLE TO BE DRAWN, AFTER THE CASH OUT LOAN WAS CLOSED. I was told that if I submitted a letter requesting to close the account, the subsequent {$50.00} annual fee would be waived, and my loan closed. We submitted the letter in writing, and several weeks went by, and the loan was still open. I again called and was told that the closing request was not processed because there was a remaining {$50.00} annual fee on the account. I paid the {$50.00} and I was told the closing request would be processed. I again inquired when I saw the HELOC was still open, and received a letter indicating the draw privileges were terminated on XX/XX/XXXX, and, as long as there were no fees and no balance, the HELOC WOULD BE CLOSED. As of today, the draw privileges remain available until XXXX/XXXXXXXX and the account is open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: TX

Complaint narrative:
I purchased this car loan in XXXX it has had an oil leak recall ever since. I have taken it in a few times to get the oil leak fixed and every time I did, they would say it was fixed but it never was. Had to stop paying on the car because I kept having to put money into fixing it. Fast forward to XXXX the car transmission went out due to the oil leak. No one in that 4 to 5 years ever came to get the car. Nor did they send me any papers requesting information on the car. Now in XXXX in the last month, I started receiving calls about this car. The amount showed up recently for {$20000.00} I am now being asked to pay. The amount is incorrect considering I paid over 2 years {$450.00} a month. I have asked that this be removed from my credit report 1. Because this last month is the 1st I've heard of this account. 2. Because in the State of Texas the loan and collection is passed the statutes of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I went to an ER and had imaging from XXXX XXXX XXXX ( XXXX ). I paid said bill through XXXX which is a company that worked with my insurance at the time on XX/XX/XXXX. I retained proof of payment receiptbdor {$38.00}. I then received on XX/XX/XXXX a collections letter from XXXX are ( XXXX ) and I do not owe this bill. I have contacted both companies by email with receipts and called numerous times for help and yet neither company will do anything to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I got a loan from santander consumer USA, I TOLD THEM THAT I JUST HAD PAID THE AMMOUNT OF XXXX $ THE LOAN WAS FOR XXXX AND WHEN I OPENED THE ACCOUNT TODAY TO SEE PAYOFF AMMOUNT MY OAYOFF AMMOUNT IS ALMOST XXXX SO I CALLED THEM THEY TOLD ME THAT MOST OF MY PAYMENT WENT TO INTEREST AND MAYBE JUST 10 % WENT TO PRINCIPAL I CANT AFFORD ANY MORE PAYMENT I HAVE TO FEED TWO KIDS AND IS VER HARD FOR ME PLUS GAS AND OTHER STUFF I NEED HELP TO WORK OUT WITH THEM PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: MN

Complaint narrative:
In XX/XX/2022 I sent letter to the 3 credit reporting companies XXXX Equifax and XXXX, asking them to do a Theral review of my credit report, they did but i did research and found improper even after their Theral research. the account # XXXX XXXX XXXX XXXX does not belong to me and several companies XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all pulled my credit report without my written okay to them. In accordance with the fair credit reporting act XXXX account # XXXX have violated my rights 15.u.sc6181 section 602a section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions, i have done none of that i had no knowledge. i have been frauded not only by the person whose been using my identity and by the credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Well I have account whit capital one bank and I deposit a check on it and theyre just block my access to the account and freeze my money and theres days is suspicious activity because the check code from XXXX XXXX California but the check its verify by the company whos sended to my address thats company was XXXX The check was XXXX XXXX XXXX XXXX dollars in my account I have {$25000.00} the company whos Payment was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX The above sent me a collection notice XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I owe them XXXX for items I ordered in XXXX, XXXX. The bill is addressed to : XXXX XXXX ..XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I never have lived in California! I had an account with XXXX several years ago, but I closed it and destroyed the card. Someone has my info and has used it to incur this debt. My home has been in Arizona since XXXX. I am reporting this to you because the collection agents said to report this to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: PA

Complaint narrative:
On XX/XX/2022, I received a Credit Alert from Experian .com indicating that my XXXX XXXX XXXX XXXX XXXX XXXX Account Balance ( for my first mortgage ) increased to {$190000.00}. 

For the month of XX/XX/2022 my current Principle Balance for my XXXX XXXX is {$190000.00}, which is {$4800.00} less than what XXXX has inaccurately reported to the Credit Bureaus. 

On XX/XX/2022, my Credit Score decreased by XXXX points. 

I am respectfully requesting for XXXX to accurately and expeditiously report my Principle Balance of {$190000.00} to all Credit Reporting Agencies ; Expreian, XXXX, and XXXX so my XXXX Principle Balance, Credit File and Credit Score are accurately updated and corrected in all of my Credit Reports.

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 2022-08-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I was made aware of a recent account by XXXX XXXX XXXX. I have never applied etc for this company. My credit has been frozen since XXXX. XXXX never did a credit inquiry ( nothing shows on credit report of them doing that. If they had they would have seen the frozen credit report. ). This is NOT my account. I have told Equifax and XXXX this and they are not removing it from my credit report. I can not contact XXXX because 1 ) I have to leave a voicemail and No one ever responds and 2 ) if I send an email I have to include my social security number. I believe XXXX to be a fraudulent scam company who allows other people to use our great credit and we get stuck because they are not diligent in checking credit reports. I am not the only one this has happened to. If anything could be done to change XXXX business practices or get them out of business, it would save a headache for everyone. I want this false information off all three credit reporting agencies. Not only do I have frozen reports but now I have layered it with fraud alert. But that doesnt help when they dont check! Thank you for your assistance in resolving this matter and restoring my credit report to accurately reflect my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XX/XX/202XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX - {$99.00} Noticed this charge and disputed and cancelled debit card .... 
XXXX Days later Debit card is still active and these charges were made : XX/XX/2022 XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - {$54.00} XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXXXXXX - {$19.00} XX/XX/202XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - {$51.00} XX/XX/2022 XXXX XXXX XXXXXXXXXXXX XXXX XXXX - {$65.00} XX/XX/2022 XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - {$65.00} XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$19.00} XX/XX/202XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX - {$65.00} This put my account in negative and a check was bounced because Ally Bank didn't cancel the debit card right away even after reporting fraud. Also the disputed charges above should have been credited back to my account within XXXX days, which hasn't happened. Only these charges have been credited back : XX/XX/2022 Credit for Dispute XXXX - XXXX {$19.00} XX/XX/2022 Credit for Dispute XXXX - XXXX {$65.00} XX/XX/2022 Credit for Dispute XXXX - XXXX {$65.00} XX/XX/2022 Credit for Dispute XXXX - XXXX {$99.00} Question is debit card has been used twice at the same ATM ... .data has been compromised with our debit card number and we have not received any communication.

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 2022-08-29 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: CA

Complaint narrative:
SOMEONE REQUESTED CREDIT UNDER MY NAME AND INFORMATION. THEY OPENED SEVERAL ACCOUNTS AND IVE BEEN TRYING TO FIX THIS ISSUE FOR A WHILE. I REACHED OUT TO EXPERIAN, XXXX AND XXXX TO DISPUTE THE INQUIRES, ACCOUNTS AND THE INCORRECT INFORMATION ON MY CREDIT REPORT. ALL I HAVE RECIEVED FROM THE CREDIT BUREAUS IS STALL LETTERS. 

I HAVE FILED A POLICE REPORT AND FTC REPORT BUT THE CREDIT BUREAUS HAVE FAILED ME.INEED THIS TO BE FIXED, THE XXXX ACCOUNTS LISTED ON MY FTC REPORT FROM XXXX XXXX XXXX AND THE OLDER ACCOUNT FROM XXXX XXXX THAT SOMEONE OPENED ACOUNT EDING IN XXXX. ALSO THERE ARE SEVERAL INQUIRES THAT ARE NOT MINE AS I STATED IN MY FTC 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