vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Credimatico LLC
State: TX

Complaint narrative:
I was in a tough spot back in XXXX and decided to try a payday loan. With bad credit I didnt have much of a choice with the situation I was in. I was told that the XXXX loan would be paid off in XXXX payments and i went ahead and agreed. As I was signing the paper work online, they stay on the phone with you to encourage you to complete the paper work. On XXXX of the forms I saw the fee and payment schedule and it had a total of XXXX payments but i was told there would only be XXXX. I asked the guy on the phone and he said thats in case I needed to extend my loan, so again I asked, if i dont extend, then its getting paid off in XXXX payments correct? The guy said yes. Red flag but being desperate, I wanted to belive the guy so continued signing. I never extended the loan and ended up paying all XXXX payments. I took it as a life lesson. Never do business with these type of places. The final payment as per the agreement was deducted on the XXXX of XXXX. Today XX/XX/2022 I was hit with a " late payment fee '' of XXXX and was told i had called in on the XXXX to make that payment arrangement. Not once did I call them to make any arrangement. Everything is auto debited so there was no need for that but still a parting random additional fee was given. All the lady XXXX XXXX could say is that she spoke to me on the XXXX and there is a note. XXXX XXXX. If they did this to me, I know they are doing it to others. they say calls are recorded but still wont go and check to prove I hadnt called. Disgusting company who takes advantage of someone in a bad spot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX has repeatly changed the XXXX of alleged 30 day late payment, first it was XXXX and now XXXX. I have the invoice showing that no payment was late in XXXX. Please assist and instruct XXXX XXXX to delete my account as I have refinanced due to the damage caused by their reporting system of reporting and rereporting several times. Thank You, for your office 's 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 non-monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX has repeatly changed the XXXX of alleged 30 day late payment, first it was XXXX and now XXXX. I have the invoice showing that no payment was late in XXXX. Please assist and instruct XXXX XXXX to delete my account as I have refinanced due to the damage caused by their reporting system of reporting and rereporting several times. Thank You, for your office 's assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX has repeatly changed the XXXX of alleged 30 day late payment, first it was XXXX and now XXXX. I have the invoice showing that no payment was late in XXXX. Please assist and instruct XXXX XXXX to delete my account as I have refinanced due to the damage caused by their reporting system of reporting and rereporting several times. Thank You, for your office 's 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 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CapitalOne froze, and then closed my credit accounts ending in XXXX and XXXX. When I called CapitalOne customer service, I was informed that the reason for these closures is multiple returned payments. I was never sent anything in writing indicating that my cards were in danger of being closed. The reason for the closure ( multiple returned payments ) doesnt even apply to the account ending in XXXX, and yet it was closed anyway. 

CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX - RETURNED CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX  - RETURNED CAPITAL ONE MOBILE PYMTXXXX XXXX - XXXX  As you can see above, I paid the account ending in XXXX 14 times during the month of XXXX. ( Before the account was frozen. ) The payments on XX/XX/XXXX and XX/XX/XXXX came from a balance in my checking account that Capital One erroneously made available for transfer. As soon as I became aware of this error, I made a further payment to more than cover the returned payments. I also continued to have auto payment scheduled. 

CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE AUTOPAY PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX  As you can see above, I paid the account for the account ending in XXXX three times this month. There were no returned payments on this account. 

I would like this reversed. I have paid off the full balances on both cards, and attempted to solve this with CapitalOne multiple times, but keep being told that there is nothing that can be done. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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:
in accordance with the Fair Credit Reporting act XXXX XXXX # 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 non-monetary relief
Consumer complaint received 2023-01-07 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:
in accordance with the Fair Credit Reporting act XXXX XXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: AZ

Complaint narrative:
My account with square XXXX XXXX was deactivated with no cause. I called to inquire about the problem and was purposely hung up on when asking to speak with a supervisor to help me. When calling back I was told there was so called suspicions activity and that there was nothing I could do and I would need to wait 90 day for any refund. I was never notified that the account was deactivated, I was never given an appeals or a chance to try to correct the problem, if there truly was one. After looking online I see that this is a normal practice for this company and they are accountable to no one. I have over {$3100.00} frozen and no one can tell me why. I have incurred other banking fees and cant pay my employees because of probably some crazy XXXX this company uses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
reviewing my file alot of invalid information is hurting my file. interested in disputing all incorrect information only credit report with transunion. please review all data to correct the following.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
Starting paying off debt to buy a house and Im going thru a mortgage company and they pulled a credit check back in XXXX of XXXX no student loan came up. Months went by started paying stuff off by the beginning of XXXX XXXX XXXX showed there was a student loan of XXXX that I believed was taken out in XXXX? Not a 100 % sure. I havent been in school since XXXX Ive worked my whole life and still currently working have no interest of going to school. Whoever the person was that applied for a loan knew my social and old address that i havent lived In for XXXX yrs. Called the us department of education there was nothing they could do except give phone numbers that didnt work called TransUnion they would go thru the steps to dispute and this was back in XXXX when I found the loan. XXXX came and gone havent heard anything. Called today XX/XX/XXXX to TransUnion and they said they went thru the steps but us department of education told them that the loan was me and that was it. Filed again for a dispute with TransUnion which will take another 30 days.. please I need help to get rid of this. Ps.. they couldnt tell us what school the loan was 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 non-monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
Starting paying off debt to buy a house and Im going thru a mortgage company and they pulled a credit check back in XXXX of XXXX no student loan came up. Months went by started paying stuff off by the beginning of XXXX credit karma showed there was a student loan of XXXX that I believed was taken out in XXXX? Not a 100 % sure. I havent been in school since XXXX Ive worked my whole life and still currently working have no interest of going to school. Whoever the person was that applied for a loan knew my social and old address that i havent lived In for XXXX yrs. Called the us department of education there was nothing they could do except give phone numbers that didnt work called XXXX they would go thru the steps to dispute and this was back in XXXX when I found the loan. XXXX came and gone havent heard anything. Called today XX/XX/XXXX to XXXX and they said they went thru the steps but us department of education told them that the loan was me and that was it. Filed again for a dispute with XXXX which will take another 30 days.. please I need help to get rid of this. Ps.. they couldnt tell us what school the loan was for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
Starting paying off debt to buy a house and Im going thru a mortgage company and they pulled a credit check back in XXXX of XXXX no student loan came up. Months went by started paying stuff off by the beginning of XXXX credit karma showed there was a student loan of XXXX that I believed was taken out in XXXX? Not a 100 % sure. I havent been in school since XXXX Ive worked my whole life and still currently working have no interest of going to school. Whoever the person was that applied for a loan knew my social and old address that i havent lived In for XXXX yrs. Called the us department of education there was nothing they could do except give phone numbers that didnt work called XXXX they would go thru the steps to dispute and this was back in XXXX when I found the loan. XXXX came and gone havent heard anything. Called today XX/XX/XXXX to XXXX and they said they went thru the steps but us department of education told them that the loan was me and that was it. Filed again for a dispute with XXXX which will take another 30 days.. please I need help to get rid of this. Ps.. they couldnt tell us what school the loan was 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 2023-01-06 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: DISCOVER BANK
State: MO

Complaint narrative:
I had a XXXX point drop in my credit score due to a late payment I have made no late payments! All my payments are paid on time, because I am enrolled in automatic payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: AZ

Complaint narrative:
Experian is not removing a closed account-they are showing an open balance which is incorrect. Both XXXX and XXXX have removed this account-years ago but experian has not even after disputing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
There were erroneous charges on my venmo prepaid card when there were no funds on the card. I did not make the charges. 

I do not use that card very often and did not know the charge was there until the venmo agent called to collect a debt. I told the lady that I did not make the charges and she continued to ask for payment. She said she was transferring me to another department of which the line continued to ring without anyone answering. 

I went onto the venmo app on my phone to dispute the charges and the email response I received stated that they were declining my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is an issues with account balances, payment history, and with old accounts that should no longer appear on the credit report. I have disputed accounts multiple times, and the dispute results say that the account is updated to no longer be delinquent, but then my report still shows them all as delinquent. 

Additionally, there are accounts on there that are over XXXX XXXX XXXX, which have reappeared with a more recent date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: FL

Complaint narrative:
I have repeatedly received false invoices via PayPal. The latest is from XXXX for {$540.00} for XXXX XXXX XXXX from XXXX. These are from people I have never had contact with for services I have never used. 

PayPal refuses to block these transactions. If they are refusing to close my account due to alleged open disputes, they have to at least stop allowing new activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX # 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 2023-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: MA

Complaint narrative:
I Filed a fraudulent loan complaint with Sallie Mae and was told that they could not confirm fraud. I submiied a copy of the loan application which contained my incorrect property address, an incorrect e mail address, incorrect banking information, and incorrect employment information.They said that based on prior conversations that I had with them led to their decision to deny my allegations. The only thing I stated to them was that I was not going to pay the loan. I did not want to state at the time that the loan was fraudulently obtained by falsifying my e signature.My daughter had access to all of my information and so did my granddaughter who was applying for the loan.The loan app was completed with my wife 's email which my daughter and granddaughter had access to.My contention is that anyone who has your personal information can cosign for a loan with the click of a computer key. How can you prove that it was not yourself who did that? E signatures should only be used to apply for a loan and to generate disclosures. The actual loan agreement should require a notarized signature for all obligated parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my XXXX FTC complaint against Experian. XXXX Case # XXXX opened on XX/XX/XXXX and more recently XXXX # XXXX Opened on XX/XX/XXXX. After filing my complaint about Experian, going behind my back to check my credit account and wrongfully dropped my credit score. They have now decided to take my credit score completely. stating that I don't have a long credit history, therefore I am Un scoreable. This is a lie. I opened a dispute against them then on XX/XX/XXXX they opened a dispute in my name. then took my score away. I saw where they have removed items of credit summary. This is a clear-cut case of retaliation!! and it is illegal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX has my money in a segregated account, as a financial planning feature ( known as a XXXX ). Balance in this XXXX cant be used by regular checking account activities. Because of a website failure, I cant move funds to the checking account segment to use them. I called Amex, and they claim theres no way to get me the money that the bank is holding in deposit for me. 

I called XXXX at about XXXX XX/XX/2023, on a call that lasted about 24 minutes. I first spoke to XXXX. She informed me there was no supervisor available and there was no way to get me my money.

Company response to consumer: Closed with non-monetary relief