vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I want to apologize for the last report it was resent on accident the reason why Im typing this is because I believe my case should be reopened, I was not only scammed XXXX $ like I explained in the last cases this guy scammed me from {$1300.00} from mr my music platform was never reactived and I didnt receive any money that I made, pleas reopen my case this guy took almost XXXX $ from me it is simply unfair I never got what I paid him For, please help his pay pal emails are XXXX and XXXX his name is triu-vn-dng please help I added photos of his XXXX, his Email and of his pay pal account please help get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1500.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$770.00}, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX XX/XX/XXXX {$250.00}, XXXX XXXX  XXXX XX/XX/XXXX {$2000.00}. Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm trying to buy a house and can't unlock/remove a credit freeze. I tried to log into my account to unfreeze, see my credit score. I sent a request to reset my password every day for 3 days ( XXXX thru XXXX ). TransUnion never sent any emails to reset password. On the XXXX day ( XXXX ), I called customer service twice in one day requesting to reset my password. I was told that the online portal to reset password doesn't always work and they would send me a temp password via email in 5-10mins. I never received any emails to reset my password. I requested they try both my email address. Still no emails to reset. I made comment that something is wrong with their system and was told : There is nothing wrong with our system, it's on your end. I was receiving emails to both my email accounts from other people/businesses as I was speaking with agents. Transunion is refusing to send emails with password reset options to access accounts.

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( 2 ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( 8 ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts!

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!

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 2022-01-27 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: VA

Complaint narrative:
In XXXX, I applied for a credit card with Capital One. I applied for the Quicksilver no fee card, but got approved for a fee card. I was not aware that the card I had been approved for was an annual fee until I got the card. I called Capital One and asked what happened ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  my daughter called on my behalf and I authorized her to speak on my behalf with the agent ). The agent on the phone explained I got approved for the fee card. I noted on the call that I would be interested in canceling the card because this is not what I originally applied for. However, I had a put a charge on the card, so wanted to wait to pay off the card and wanted to get reimbursed the annual fee ( or a portion of it depending on when I called to cancel ). I was not alerted that I had to do it within any specific timeframe over the phone. I called today on XX/XX/27 - to cancel the card ( just 3 months of membership ). I cancelled the card and asked if I would get reimbursed a portion of the annual fee- and was told no. The agent today said there was a 40 day window when the request had to be made to get reimbursed. I told the agent today, when I called earlier the agent did not mention the 40 day window. I dont expect to get a full annual fee back, but did expect to get reimbursed for the amount that I was not a member. It is also terrible that the company charges within the first month for the entire annual fee when you have not even begun to use the card. The agent on my first call - knowing that I wanted to cancel the card upon learning there was a fee should have stated that I would have to cancel by a certain time ( this important piece of information was not disclosed ), so I could have made an ideal decision for my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S Bankcorp put us on a forbearance program when we struggled during the XXXX pandemic. We were notified that the forbearance was coming to an end and were offered a deferment option or a Streamline modification to our loan with an interest rate of 2.8 % in XX/XX/2021. The bank representative XXXX, informed me that this rate and program will still be available at a later date if I would like to take the final forbearance extension for another 3 months. I contacted U.S Bankcorp in XXXX of 2021 to request an end to the forbearance and was provided a Request for Mortgage Assistance application. I also was requested numerous documentation, employment letters, bank statements, letters of explanation, tax transcripts & tax returns. I was also requested to create paystubs on word for self employment that were consistent with the direct deposits from my business banking. After 8 weeks of providing documentation. I received a letter from U.S Bank my modification was denied and the only option being offered is a short sale of my property. The reason for denial stated my current housing ratio was below 31 %. I contacted U.S. Bankcorp and informed them they had made a calculation error as my current housing ratio is above 75 %. I also informed them that I was offered options just a few months prior. After further review the bank representative said that they had a computer glitch and a new modification application will be sent out to us to complete. Upon logging into the bank website the status has not changed.

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 2022-01-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Navient continues to hurt my credit but not call to negotiate less predatory terms with a more knowledgeable adult. They continue to offer invasive solutions that will require speaking to commissioned employees every six months to 1 year. Based off these terms I will be rewarded with increased payments based off my success or time. Please put my private loans in your XXXX XXXX dollar predatory lending settlement and remove the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
In early 2021, I closed all of my Chase accounts, including checking, saving, investment, credit card and mortgage accounts. I took this action because of consistently poor service. 

In XX/XX/2021, I received a Chase credit card bill for XXXX on an account that had been closed and paid off in full in early XX/XX/2021. I did not authorize this charge, I am not even sure what the charge was for and I had not been a customer of Chase for 6 months. 

I took the bill to the branch manager of my local branch, where I had done business for more than 20 years. I asked him to inquire about how this could happen, that a charge could be made on an account that was closed 6 months previously. I asked him to contact the Chase XXXX office and have the charge reversed. He was unsuccessful in getting further information from the credit card division and equally unsuccessful in getting the charge reversed. 

My house had been flooded in XX/XX/2021 and after this Chase matter came up, I was busy dealing with getting my house repaired and moving back into the house. A couple of months went by, with no action on this credit card bill. I did not pay it, because I hadnt authorized the charge and didn't owe it. In XX/XX/2021, I was notified by the credit bureaus that Chase had reported me for not paying a credit card bill and that they were lowering my credit rating by some XXXX points. 

There was no information on how I could dispute the Chase action nor appeal their action to lower a credit rating I had spent 50 years building. 

This is the result of you government people allowing banks and credit reporting agencies to get too big and not be accountable to anyone but their share holders. 

Where do I go to get this resolved and to get my credit history repaired for something that is not my fault and is the direct result of the size and arrogance of the 6th largest bank in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2022-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I attempted to deposit a check drawn on a PNC account into my PNC account and was told the check was being put on a general hold. I received an email from PNC stating just that with no further information but to expect a letter in the mail stating why. I called PNC, the customer service rep told me they just need to verify that the funds will be covered. It is PNC to PNC, she gave me no reason as to why they could not verify funds in the account that check is being drawn on despite it being another PNC account. She said it could take five business day. I deposited the check on XX/XX/XXXX before XXXX. Five business days would be Tuesday the first, but they are holding until XX/XX/XXXX with no reasoning why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
negative accounts XXXX ( XXXX ) listed on my credit report that is negatively effected my credit score. I demand the account to be removed from my report due to statute of limitations. According to the FCRA, accounts passed statute of limitations must be removed from 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 explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MN

Complaint narrative:
I've been in the PSLF program since XXXX, in XXXX I learned that I had several loans that didn't qualify. I consolidated those loans into one unsubsidized loan and one subsidized loan, since XXXX I've had those two consolidation loans and 5 direct loans. Last XXXX I did an employer certification and had updated payment counts of 107 on my five direct loans and a payment count of 69 on both consolidation loans. This month I received forgiveness on the two consolidation loans but at this point the five direct loans remain unforgiven. All the loans originated prior to my public service and all should have the same payment counts under the waiver. 

I emailed Fedloan but haven't received a response at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: OH

Complaint narrative:
I graduated with mXXXX XXXX XXXX XXXX in secondary XXXX education from XXXX XXXX University in XXXX. I then continued on to get my XXXX XXXX XXXX in secondary education with a concentration in XXXX in XXXX. During that time, I was a beginning teacher in XXXX Ohio, only making $ XXXX a year. I put all of my loans in forbearance because I could not afford to pay them. I don't remember how long they were in forbearance, but it was for several years until I could afford to repay. I never wanted to NOT pay. Because of these loans, I received an education which can never be taken away from me. However, I truly believe that these loans that were in forbearance should be counted towards the PSLF program of which I am enrolled. 

I have also turned in my proof of employment in XXXX of XXXX, but I have not received word as to whether my loans will be forgiven. More Transparency and communication with PSLF would also be helpful. 

The fact that college used to cost {$50.00} a semester compared to the cost I paid ( approximately {$2500.00} a semester ) is outrageous. On top of that, there's interest. For the PSLF, interest should be lowered, forgiven, or non-existent. Teachers can not afford the cost of college, including the interest. What the government does to people via student loans is a shame! People across the country should be outraged. 

Only a few months ago, my loans for the PSLF program totaled {$76000.00}. Now, because interest rates went up, my loans total $ XXXX. This amount is even more difficult to repay than the previous $ XXXX. I feel like I'm drowning. 

I am also a XXXX survivor. Mine & my husband 's savings is gone due to medical bills for treatment & surgeries. I believe that the XXXX should also take into consideration one 's medical debt for canceling. I have no issues providing documentation of my treatment. 

How do I leave a legacy for my child? The debt is crippling. Cancel student loan debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On XX/XX/2021 I sent a letter to all XXXX, experian and XXXX about the first premier bank credit card. This account does not belong to me and was opened fraudulently. I sent three letters to have this removed from my report, but they have not responded or removed.

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 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank posted someone else 's check to my business account on XX/XX/XXXX. My business account is for my business called XXXX XXXX XXXX and carries this title on the account, not even close to the check attached which says " XXXX XXXX '' as you will see. 

I reported the bank error to Wells Fargo by phone on XX/XX/XXXX, and spoke with their fraud department. They verbally acknowledged the check did not have my account number, or my name on it, and that it was clearly a bank mistake. The representative even said the account number was close to mine, but not my account number. There was no question, this was a posting error by Wells Fargo Bank which was investigated immediately during my phone call with their fraud department on the XXXX of XX/XX/XXXX and this was reported to me during that call as a confirmed bank error. 

They proceeded to open a claim and push it through their 10 day process and noted the transaction as " don't remember this transaction '' and are holding my money for 10 days while they allegedly research the transaction, citing Regulation E. 

Clearly I don't remember the transaction because it's not my check. 

I believe Regulation E indicates the following : " ( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred. '' Note : Wells Fargo determined an error occurred when I phoned them on XX/XX/XXXX. 

As of today, XX/XX/XXXX, it has been 5 days since the initial report and completion of investigation that determined it was a bank error. Wells Fargo has failed to reverse their error. 

I phoned the bank and spoke with XXXX who told me she was an accounting major and that they had 10 days per Regulation E to research my claim. 

I feel that Wells Fargo is employing uninformed staff and that they are mis-representing the situation and are holding my money for 10 days when it was clearly their mistake, and they completed their findings during my initial call on XX/XX/XXXX and acknowledged their error to me. 

The check is small, but I fear that this type of mis-handling of my funds at Wells Fargo could easily happen for a larger amount that would impact my working capital for my business as this happened on my business checking account. I have concerns about Wells Fargo 's process that would allow another person 's check to post to my account, and their lack of timely response for resolution.

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