vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
The was paid directly to Synchrony Bank and I have the bank statements to prove it, they stole my identity and are trying to collect on over inflated amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the Navy Federal Credit Unions failure to fulfill its promise to lower my interest rate after I signed the necessary paperwork online. Initially, I requested a payment deferral to catch up on missed payments, which was denied until I filed a formal complaint with the CFPB. Following this, the bank agreed to the deferral and committed to reducing my interest rate to 3 %. However, this rate adjustment was never implemented. 

In response to this oversight, I filed another complaint. The bank 's reply stated that they would investigate the issue and provide a resolution within 60 days. Unfortunately, no such resolution or adjustment has been made, and I have yet to receive a follow-up. 

I am filing this complaint again to address the banks lack of accountability and transparency in its business dealings. I expect prompt action to correct the interest rate as originally promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: NJ

Complaint narrative:
An entity called XXXX pulled my entire Paypal balance of {$46.00} on XX/XX/year>. I filed a dispute with Paypal and they said that the payment was pulled through XXXX XXXX and denied a refund. I have a business profile on XXXX using the email address : XXXX. I really do not use this account and I was not logged on at all on XXXX. I did not authorize this. Paypal terminated the autopay but did not refund my money. They said I needed to go to XXXX. Going to XXXX I followed the instructions to get to my Professional Dashboard, settings, XXXX XXXX and I find screens where I could file a dispute but the links take me to Paypal.com. Paypal.com did not load. It appears their site is crashing, possibly because of an overload of disputes. Paypal says that XXXX is an associated company but frankly, I was talking to a customer service rep and she was not that certain. I have copies of my Paypal Account and the dispute emails. I have a feeling this is a broadscale fraud. 

Paypal case number : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
First of all I have never owned a Comenity Credit card nor have I shopped at XXXX XXXX I recieved the bill for {$190.00} in XXXX of XXXX. I disputed the charge. I do not recall getting anything back from Comenity.Then on XX/XX/XXXX I got a letter that the account had gone to collections from XXXX XXXX XXXX. I called and spoke a XXXX XXXX on XX/XX/XXXX. I sent him all the information I had. Last week I spoke to somebody who simply said the card was in your name you owe the money. 

I think XXXX mentioned if I had shopped at Wayfair which i have. Wavfair changed their credit card company either from Comenity or to Comenity. I think that during the change my information was compromised Again I have nevrer owned a Comenity card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some 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 non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I live at XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. On XX/XX/XXXX I did refinancing on my current home, with a program called lending to heroes, rep for company at the time XXXX XXXX XXXX who came to the XXXX XXXX in XXXX XXXX, SC closing attorney XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX SC XXXX, phone # XXXX is one of the addresses.The bank was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX there were XXXX payoffs {$15000.00} to XXXX XXXX XXXXXXXX for vehicle and {$240000.00} to Wells Fargo XXXX XXXX never paid Wells Fargo From that time up until XXXX he was communicating with me by phone and email ( I have some ) he stated that Wells Fargo credited the payment to someone elses account and they were trying to get the matter fixed, as I would get statements from Wells Fargo showing that my account was behind he would email me saying still working on at one point he stated 30-60. Someone would go into Wells Fargo and make payments periodically at one point he wrote a check for {$1700.00} ( I have a copy ). XXXX XXXX has since been disbarred even after he continued to communicate with me no one contacted me about his disbarment and that my files were turned over to a receiver appointed by the judge Attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,, XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX, XXXX, have email communication with him as well who never contacted me and who still has my files I dont want to request because Im not sure what happens legally after that. I currently have a current never missed a payment VA loan with XXXX XXXX now my home is in foreclosure and they are asking wanting me to to get caught up on loan and start making mortgage payments when I stop hearing from XXXX XXXX I thought everything was done until I got serve later part of XXXX it was then that I contacted and hire and attorney to fight the foreclose the {$29000.00} + was the settlement due XX/XX/XXXX. I contacted the XXXX XXXX and they sent me a check for {$40000.00} the XXXX Ive also contacted then for attorneys to help me with XXXX XXXX none has been willing to assist because they client ratio is high or they will not call back, or he may not have anything. Please help me how is it possible for this to happen and there to be XXXX VA loans on one property. I have been in contact with the XXXX XXXX VA loan guarantees services, she said there was a moratorium on VA foreclosures until XXXX. Again please help Ive XXXX XXXX XXXX years total in the XXXX. I have proof in writing of certain things. 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 explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently did an investigation on my credit report and I noticed some things that was not my mine what so ever. 
The first account is XXXX XXXX XXXXXXXX This account seems to be in Florida when I was living in New York at the time I sent in a validation of debt letter after reading 15 USC 1692g and I never received a response. I dont know how my info was fraudulently used or obtained but I demand that its fixed and who ever account this is to be held accountable. I want this removed from my credit report as soon as possible. Ive disputed this multiple time with Experian and XXXX and I believe that they both have falsely investigated this matter according to 15 USC 1681i if they did do a proper investigation they would see this is fraud and my information was fraudulent used experian and XXXX was both informed that I sent a validation of debt letter and received no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/year> I received a wire transfer from XXXX XXXX XXXX to CitiBank in the amount of {$51000.00}. Upon receiving the transfer, CitiBank closed my account claiming fraudulent activity. I asked where the money that was just transfered to my account would go. They told me that a 60 day process would happen and then I would find out. No customer service nor fraud team member gave me any help or information. They claimed to have sent a wire transfer of the money back to XXXX XXXX XXXX but that never happened and XXXX XXXX XXXX has nothing showing they received any monies from them. I can no longer access the bank account and all of that money has either been held or stolen from me. They have tried to claim to cfpb that I was not the owner of the account which I have provided pictures of emails and such that proves I was the owner of the account until they closed it. I have been fighting to get this money back for years and I am considering filing a major lawsuit. Citi bank has responded in saying that they needed more paperwork before they could take the money from the sub ledger account and transfer it back to my bank. I have confirmation that Citibank has received that paperwork. I am asking now why or when the money is going to be transferred/wired back to the sender? Now that all the paperwork and criteria they stated they needed in the last response has been meant they should be able to send the money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX FOR Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX # XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XXXX/XXXX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry 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 explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a known victim of identity theft. This is the third time I have filed a complaint for this exact issue but the credit bureaus keep violating Federal law as well as my rights and there has been no recourse. If I am forced to sue them I am going to seek damages of over XXXX for the time and frustration and the damage to my reputation. I have filed complaints with the Attorney Generals office as well as contacted my congress person. My information was exposed in a Data Breach ( and keeps being exposed repeatedly ). Then the person or people used this information to open a few credit cards and other accounts UTILIZING MY INFORMATION AND PRETENDING TO BE ME. I have not said that the accounts belong to someone else and are on my report incorrectly. I am saying the person pretended to be and committed fraud against me. This information needs to be blocked from reporting. The credit bureaus can not keep ignoring me, it is illegal. They are having the information processed in XXXX and they are screwing everything up. In addition to blocking the information, I demand they send me all of the information regarding the opening of the accounts and the original applications, showing my signature or that I agreed to this. I will take this back to the police since they are the only ones who seem to be willing to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a known victim of identity theft. This is the third time I have filed a complaint for this exact issue but the credit bureaus keep violating Federal law as well as my rights and there has been no recourse. If I am forced to sue them I am going to seek damages of over XXXX for the time and frustration and the damage to my reputation. I have filed complaints with the Attorney Generals office as well as contacted my congress person. My information was exposed in a Data Breach ( and keeps being exposed repeatedly ). Then the person or people used this information to open a few credit cards and other accounts UTILIZING MY INFORMATION AND PRETENDING TO BE ME. I have not said that the accounts belong to someone else and are on my report incorrectly. I am saying the person pretended to be and committed fraud against me. This information needs to be blocked from reporting. The credit bureaus can not keep ignoring me, it is illegal. They are having the information processed in XXXX and they are screwing everything up. In addition to blocking the information, I demand they send me all of the information regarding the opening of the accounts and the original applications, showing my signature or that I agreed to this. I will take this back to the police since they are the only ones who seem to be willing to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-23 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Hi TransUnion, I just received a copy of my credit report and I found those fraud inquiries that shall delete from my credit report. I don't know what is going about those thief getting access to my credit report information. 

XXXX XXXX, inquiry date : XX/XX/scrub>XXXX XXXX XXXX XXXX inquiry date : XX/XX/scrub>XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX, inquiry date : XX/XX/year> XXXX / XXXX XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX, inquiry date : XX/XX/year> XXXX  XXXX, inquiry date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a known victim of identity theft. This is the third time I have filed a complaint for this exact issue but the credit bureaus keep violating Federal law as well as my rights and there has been no recourse. If I am forced to sue them I am going to seek damages of over XXXX for the time and frustration and the damage to my reputation. I have filed complaints with the Attorney Generals office as well as contacted my congress person. My information was exposed in a Data Breach ( and keeps being exposed repeatedly ). Then the person or people used this information to open a few credit cards and other accounts UTILIZING MY INFORMATION AND PRETENDING TO BE ME. I have not said that the accounts belong to someone else and are on my report incorrectly. I am saying the person pretended to be and committed fraud against me. This information needs to be blocked from reporting. The credit bureaus can not keep ignoring me, it is illegal. They are having the information processed in XXXX and they are screwing everything up. In addition to blocking the information, I demand they send me all of the information regarding the opening of the accounts and the original applications, showing my signature or that I agreed to this. I will take this back to the police since they are the only ones who seem to be willing to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
My account got closed in XX/XX/year>. I sent XXXX emails to the executives but I didn't get a response from them for about a month, I tried to ask them why my account was closed even though I didn't do anything suspicious or violate anything and I never received any complaints from anyone. I was just continuing what I was doing for a year : play online games or do trade in the game with friends/acquaintances. This is not a business or something just a casual thing I do to support myself while I XXXX But they just told me that their decision to close my accounts is final and they won't explain why.

Company response to consumer: Closed with explanation