vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am trying to apply for a business loan which goes solely by your business income and I have had and successfully paid several in the past. 

I have been being denied without any cause and I am writting this last complaint because I want to make sure this is for sure an issue of discrimination because I have now ruled out all the other possible reasons. 

I have applied numerous times and I have never even received a denial letter which is suspicious. I can prove with screen shots and video these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted all 3 credit reporting agencies. They have not corrected this issue yet. I have gotten my credit reports from them as well and it is showing accounts that are supposed to be closed still open.

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 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reported to Transunion on more than one occasion that they are reporting a collection account that does not belong to me, and yet they still continue to report it even though I sent them copies of the letters and certified receipt that I sent to XXXX XXXX XXXX asking them to provide proof which they have not, Transunion has not investigated nor sent me any proof that they have attempted to get and proof from the collection agency that this debt is mine, I have not received a letter from Transunion about this matter up to this day. I have uploaded the letter and Certified mail receipt show Transunion received my letter on XX/XX/2021 which is more than the 60 days they require to do an investigation, this derogatory remark on my credit report continues to affect me negatively and I want it removed immediately.

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 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is written wrongfully in multiple ways. 
The wrong employer appears to be on my credit report There are multiple addresses on my file where I do not reside at. 
Incorrect cell phone information There are MANY hard inquiries on my report that I never consented to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is written wrongfully in multiple ways. 
The wrong employer appears to be on my credit report There are multiple addresses on my file where I do not reside at. 
Incorrect cell phone information There are MANY hard inquiries on my report that I never consented to.

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 2022-10-11 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:
Will you please help me this case about unauthorized transaction. 

The bank end XXXX is belong to XXXX, i dont know who is that person. 

I told is not my bank. 
I need help XXXX Transaction id XXXX XX/XX/2022 Total amount transferred {$4700.00} USD Bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Per my credit score on Equifax as of XX/XX/2022, my XXXX XXXX has a balance of {$2700.00}, and XXXX XXXX reported that as of XX/XX/2022. 
However, per XXXX XXXX statement, my balance is {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have a credit card issued by " The Children 's Place '', which is overseen by Commenity Bank/Bread Financial . On Saturday, XX/XX/XXXX, I received an email stating I had a past due balance of {$6.00}. I checked my account with this card, and the online statement relfected I paid this account in full in on XX/XX/XXXX. However, I was charged a " minimum interest charge '' on XX/XX/XXXX, in the amount of {$2.00}. On XX/XX/XXXX, I was charged a " late fee '' of {$2.00}, and another {$2.00} again on XX/XX/XXXX for a " minimum interest charge '', and total of {$6.00}. I called the tollfree number and the representative with Commenity Bank/Bread Financial said `` no problem '' and would correct my account. However, these negative actions greatly affect my credit report rating. There in no way to contact someone with Commenity Bank/Bread Financial to express my concerns about the credit rating, as the telephone representatives are foreigners and do not understand when I try to express my concerns. I hold Commenity Bank/Bread Financial responsible for a fair credit report on my credit file and want it corrected immediately. As of today, XX/XX/XXXX, my account statement reflects a credit balance of negative {$8.00}. I dont understand I went from being past due of {$6.00} to a negative balance of {$8.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
On XX/XX/XXXX, I was charged an annual fee of {$85.00} by Comenity Bank for a BJs club membership on my BJs club credit card. I had previously requested to cancel my BJs club membership as I had moved to a location where there was no store within driving distance. I received my statement in the mail and immediately called to question it. I was told it would be taken care of before the {$85.00} payment was due in early XXXX. It was not resolved by the day before the payment was due, so I paid the fee, not wanting a negative score on my credit report. I called Comenity multiple times to get this matter resolved. They finally issued me a credit, but only for {$55.00}. I asked why it was a partial refund, and no one could give me an answer. I attempted to dispute thru Mastercard, but they could not help as it was a buying club membership fee. I called Comenity again, and spoke with a supervisor who assured me the matter would be taken care of. This was in XXXX. A credit balance was placed on my account on XX/XX/XXXX, but was told the only way it could be released was if I cashed the {$55.00} check they previously sent. I cashed the check, and a week later, received notification that the credit that had been showing on my account was being deleted. I have been trying to deal with Comenity since XXXX. It is now XXXX. Please help me in recovering the additional money ( {$30.00} ) owed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 an 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 2022-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I requested a refund for my student loans, as I am eligible for $ XXXX back through the current PSLF program. 

I got an email on XX/XX/XXXX saying my request for a refund was denied for missing information. When I called back they said I needed to verbally state that I understood I would have to pay any balance reinstated that was not forgiven. I had no idea I had to explicitly state this and was never asked this by a Nelnet customer service member. 

After I verbally stated, they told me it would take another 4-8weeks to approve the refund. After calling again today, they now say the amount of time it will take is indefinite. 

Its extremely frustrating because had the Nelnet customer service rep gave me to correct information the first time, the process wouldn't have needed to be restarted. I was extremely proactive by in calling back in XXXX, only for this entire ordeal to be delayed for no reason of my own,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I disputed a bankruptcy on my report. I was told the Oklahoma XXXX XXXX bankruptcy reported a bankruptcy to my credit report. I contacted the bankruptcy court of the Oklahoma XXXX XXXX and they told me that they did not and do not report to credit agencies. I expressed this to equifax and they told me that they dropped my credit score additional points for filing a dispute. I went back to dispute it again and was told that I am unable too. Listed below you will find a screenshot! They Equifax have also reported that the start date is XX/XX/2021, instead of the original date it was reported! This is incorrect information and needs to be removed! It has been 7 years! Please delete this from my credit file. They refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIRST UNITED BANK AND TRUST COMPANY
State: OK

Complaint narrative:
I have been making the complete payment each month before the XXXX. I usually pay half the first part of the month then the rest on my next pay date which is before the XXXX cutoff date. I was called today & was told that they would not apply my payments to my loan unless I pay them all at once. It should matter if I pay {$100.00} a day as long as I get it paid before the XXXX. He told me my payments would be held & not applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted all 3 credit reporting agencies. They have not corrected this issue yet. I have gotten my credit reports from them as well and it is showing accounts that are supposed to be closed still open.

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 2022-10-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted all 3 credit reporting agencies. They have not corrected this issue yet. I have gotten my credit reports from them as well and it is showing accounts that are supposed to be closed still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX  Account 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 an 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 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I represent XXXX XXXX in a reverse mortgage foreclosure case based upon an alleged property charges default. XXXX XXXX sought a repayment agreement to repay the approximately {$6000.00} due. She submitted her repayment plan application to PHH Mortgage in XXXX, 2022. 

I have constantly and consistently asked for a status update on the application every week or two since XXXX, 2022. The only response I receive from PHH 's counsel is " I will check with my client. '' At one point they said they needed an occupancy certificate. They already had a signed copy of a current occupancy certificate. I have proof of delivery. We sent another one anyway. Still no response. 

I can not fathom that it would take them 6 months to make a decision. PHH has had and still has the documents requested from XXXX XXXX. If PHH does not have all of the documents needed, it should at least inform XXXX XXXX what it is missing. The complete lack of communication is troubling. 

I have escalated the case to HUD with no resolution after several months. 

We are now approaching trial for the second time, and PHH still has not responded to any of my inquiries about a repayment decision after having the application for 6 months. 

XXXX XXXX clearly has sufficient income and despite her age and physical difficulties took on a part time job at XXXX XXXX XXXX to repay any delinquency. She has also completed her application for XXXX funds. 

I fear for the second time that it is dragging this out past the trial date so it can cause XXXX XXXX the loss of her home without providing her with the repayment option. Alternatively, the closer we get to the trial date the more XXXX XXXX will feel obligated to take whatever PHH offers, even if problematic under the threat of the loss of her home with the impending foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a CapitalOne Venture XXXX account on XX/XX/2022, which charges a {$390.00} annual fee. In exchange for that annual fee, CapitalOne and its partner companyXXXX XXXX, market this card as providing insurance coverage in the event of accidental damage to a rental car purchased with the CapitalOne Venture XXXX card. 

I rented a car in XX/XX/2022 through XXXX and experienced minor accidental damage resulting in a charge of {$250.00}. I initially submitted a claim to XXXX electronically on XX/XX/2022, claim # XXXX. After nearly 2 months, I had not heard back from XXXX card benefit services, and only after calling them ( and waiting on hold for cumulatively over an hour ) did they acknowledge the claim and were unable to provide a rationalle for the delay in processing, falsely claiming they required additional information. The 'additional information ' they required was the estimate of damage, which I clearly submitted initially on XX/XX/2022. 

XXXX provides inappropriately poor customer service coverage, resulting in excessive and unreasonable wait times. VISA card benefit services failed to read the paperwork I submitted with this claim on XX/XX/2022, thus delaying my claim process indefinitely without any notification to me. Had I not reached out to VISA after 2 months, VISA would not have processed this claim. XXXX has been in possession of all required documentation to process this claim for 2 months and has yet to properly pay out the claim as contractually obligated under the CapitalOne XXXX XXXX sales agreement. 

Both CapitalOne and XXXX refuse to provide remuneration. I feel that CapitalOne and XXXX have violated the sales agreement under which I purchased credit card services. I paid the {$390.00} annual fee in full upfront in XX/XX/2022 when I opened the account, and in exchange, CapitalOne assured me I would be provided with a rental car accidental damage waiver which VISA does not honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
It is the second dispute that I have made to this agency, where there is wrong and unauthorized information, they did not provide me with evidence proving that said information is mine or authorized by me. ChexSystems, I must also conclude that you are reporting this information in error. 
Please note that your failure to respond to my request is a violation of the Fair Credit Reporting Act, as well as the continuing list of inaccurate and unverifiable information. 
information in my file. Unless I am notified otherwise within 30 days of receipt of your this notice, I will conclude that you and have waived all claims in this matter and that the matter is definitively closed. 
Similarly, if it is not removed from my ChexSystems file, I will file a lawsuit in small claims court to recover damages for your continued violation of the FCRA. 
Please note that this communication, for purposes of 15 USC 1692 et seq, has the same effect as a dispute over the validity of the alleged debt. This communication is also dispute over the validity of your claims related to. 
This communication has been sent in an attempt to correct your records and preserve my rights under the FCRA. Any information obtained from you will be collected as evidence if this matter remains unresolved. Please note that this letter is a request for information only, and is not a statement, election, or waiver of status.

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