vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
So my account was closed because my bank declined payments.. ok fine. Later on then my online banking stops working so now im unable to sign in and see my account and pay my bill. I don't know when my bill is due. Im not getting any mails or phone call. Yesterday I called XX/XX/XXXX and I tried to just pay both account off I was able to pay XXXX off for over {$600.00} the other one with a {$300.00} they won't allow me to pay they keep transferring me to multiple departments and telling me I can't pay. Then they said there's an account from XXXX that was a fraud application but won't provide information to me. 

Anyway im writing because I will like to pay the accounts off. Also the account that had a balance of $ XXXX they said the last payment was in XXXX and if this is true then they will report my credit late this makes no sense as I have no access to account to check and pay!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
This company does not have permissible purpose or written instructions to furnish anything on my credit report I'm requesting a forward flow agreement better known as a purchase agreement of this contract pertaining to this alleged that I owe if this is not produced to me I demand this account be removed immediately. 

Account Transworld Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: FL

Complaint narrative:
I found inquiries that dont belong to 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 2024-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
We are retirees who rarely use Paypal. My husband, a retired federal judge, and I have credit XXXX scores well into the XXXX and have never been involved in any payment or debt delinquencies. Here, I was simply scammed by fraudsters when my husband was away and never received any benefit. I do not know how my Bank debit card ( XXXX ) was added to Paypal on XX/XX/23 ; I did not do that. I acknowledge I got a number of emails, but I did call the Bank regarding these charges. I get so many email I can not get them straight; real or spam. 
Paypal claims we ordered {$2900.00} in XXXX gift cards on XXXX. It claims we requested and activated a debit mastercard on XX/XX/23. WE DID NEITHER! I never ordered any gift cards nor did I either request or activate any debit card! 
I provided Paypal with the case numbers and contact information for both my Bank, XXXX, and XXXX. Both XXXX and XXXX acknowledged I was scammed and declined to participate. 
The XXXX XXXX claim/dispute number is XXXX. [ XXXX, claims, ( XXXX ) ]. XXXX first notified me of this scam on XX/XX/23 and did not fund or authorize charges to my bank accounts for payment for XXXX fraudulently requested XXXX gift cards. They assured me they would handle the matter with Paypal-which they did. 
Yet, on XX/XX/23, after having notice of my bank declining payment, Paypal accepted, processed, and activated a debit mastercard ( # XXXX ). I never requested opening any Paypal debit card. Nor did I agree to the activation or use of any such debit card. Paypal refers to this card as a Paypal debit mastercard # XXXX. Our credit reporting agencies, XXXX, XXXX, XXXX, reflect NO inquiries for XXXX, which would be standard for a new debit card request. 
Upon notice, XX/XX/23, XXXX, which had received an order for XXXX digital gift cards ( # XXXX ) did not provide an activation code and never activated any gift card. The XXXX case # is XXXX. Call them at ( XXXX ) XXXX. There is NO evidence any gift cards were ever activated or used! 
Our Paypal website documentation is opaque and confusing at best. It appears after XXXX Bank refused payment and notified Paypal and XXXX of the scam, Paypal opened a Paypal debit card to reimburse itself for the {$2900.00} the Bank would not pay. We can not ascertain whether the {$2900.00} charge to the debit card on XX/XX/23 was for a new set of XXXX gift cards or a charge to merely reimburse Paypal for the charges our bank rightfully declined. 
This entire scam began the evening of XX/XX/23 when I could not log into our XXXX streaming TV account. A telephone number appeared on screen to call ; which I did. I naively and foolishly answered a myriad of questions to the very persistent representative regarding our financial accounts and passwords. I never suspected the information on our TV could lead to a scam! 
Paypal DISPUTE # XXXX We will try to scan, and upload Paypal and our emails later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: IL

Complaint narrative:
Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, this notification should not be charged. 

Items in question XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, this notification should not be charged. 

Items in question XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I need this item deleted from my credit report effective immediately. I am attaching proof that XXXX admitted that I was a victim of this data breach and XXXX has deleted this item from my report as well as XXXX. I have also submitted evidence of the DATA Breach to Experian but they have denied my request. 

I have attempted several times to dispute this item with Experian, but however, they have denied my request. Please help me delete this illegal account from my credit report effective immediately. 

*XXXX XXXX : Account # XXXX {$3400.00} ( ( Charge off )

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 2024-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Veros Credit, LLC
State: FL

Complaint narrative:
I was taken to court for a car loan.it ran 4 months and engine light was XXXX they found fleet in favor of the plaintive. They put a rate of garnishment on my bank account of my savings and checking. Also went into mother account. Co-signer. Only took XXXX. My bank says XXXX. They old keep us worth 4. Trying to call my job, pretending to give me to get direct deposit so they can garnish that. They will not talk to me and being very difficult. 
Lawyers for veros credits and they also sent the first letter of garnishment way after the fact that I got the letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2023 I accidentally made a payment of {$350.00} to my Bank of America credit card account. I did not have a balance due on the card. 
I have been trying to get the {$350.00} back ever since. 
I have called customer service multiple times. They claim they will fix the problem. They say it takes 10 days to rectify. The problem has never been solved. I wait 10 business days and call customer service.they tell my they will take care of the problem. The take my account number and tell me the money will be transferred with in 10 days. It is now XX/XX/XXXX. The problem is not solved and I cant understand why they cant just transfer the money back to the account it came out of

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 monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I made an $ XXXX purchase on XXXX in XXXX. They went out of business and closed the card. Since then Ive paid {$71.00} toward principle per Comenity Bank and I dont know how much in late fees. They have been charging {$39.00} late fees every month bc they have no grace period and charging interest on the late fees on top of that. I told them I am willing to pay what I actually owe which would be at the most {$30.00} in principle and whatever interest is due on that amount but Im not paying their ridiculous fees. They are reporting I owe over {$200.00} which would mean I am expected to pay over {$300.00} on an {$80.00} purchase! I refuse to do that and will wait for the inevitable class action if necessary!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently obtained a copy of my consumer report and I have found that there are violations contained in that report. There transactions being reported as late on some accounts. This is not allowed by law. More specifically the following section of the law states that 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I explain these things more in depth in a statement that I will attach to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I filed a police report for identity theft for a truck i did not purchase or sign for..Since then i have been fighting with Santander Consumer USA for identity theft. I have asked for documentation and contract on XX/XX/XXXX with my signature on them to be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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:
I found inquiries that dont belong to 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 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I saw a XXXX charge on my card through online banking for {$630.00} in a city I have never been to. I called PNC and told them about this fraudulent purchase and they stopped my debit card. I got a new card but PNC refuses to refund me despite me filing a police report. I have had to file several disputes with PNC but they still refuse to give me my money back that was outright stolen out of my account. Now I feel like my money isn't safe in a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2024, I received good customer service from banker at a local branch of Fifth Third Bank however, I learned I was given an unauthorized hard inquiry which may have unintentional for the representative as far as I perceived the situation. After being told that hard inquiries are not given when applying for secured credit cards. I made known to the banker that I did not want to apply if a hard inquiry was going to be the result for me all while explaining that I used to have a secured credit card due to it being closed down. I was told by the banker that it will not affect your credit score and that it will only be a soft inquiry. I was told that I have enough funds to start it. I signed up with my own secured funds and was not only denied but I was told that my salary was too low and that if I reapply ; receiving a 2nd hard inquiry, and increase my salary in the application ( falsifying my salary ) I would then be approved. This transaction is unauthorized, not transparent, and I believe that the employee was not well trained per my special circumstance to give proper information to me as a customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
I could not do a bank-to-bank transfer for over a limit of {$14000.00}. I filed an additional online payment of {$2000.00} for a check to go the vendor. After 2 weeks of nothing happening I called and was told the check was " suspended ''. I did a {$2000.00} transfer then to complete my payment to the vendor. The vendor later received the check, voided it, and returned it to me. On XX/XX/XXXX I filed an online cancellation of the {$2000.00} check. I had a {$37.00} fee charged to my checking account for this. It is now XX/XX/XXXX and they still have not refunded the check. I have sent repeated messages. The one response said they wait up to 48 hours to refund. It has now been 18 days. 

In summary, I just want my money back. This is such obvious fraud I can't believe they are actually doing this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: PA

Complaint narrative:
My loan is over 20 years old. I XXXX in XXXX. I have since paid over XXXX with my graduate school loans and have paid the majority of my XXXX loan with Nelnet. I XXXX XXXX XXXX in the XXXX XXXX from XXXX and then again in XXXX. I have tried calling and working with people but I am always denied. 


I do not think I should have to pay the remaining XXXX dollars. I have been paying on loans for over 20 years. I have paid off 2 out of the three loans I started. This in my only remaining debt. I have friends who were absolved of debt that was much larger than mine with less time. I have heard that after 20 years, I was supposed to get a letter. I have never got that letter. I am under suspicion that Nelnet is not legit because they are saying that it is impossible for me to get the remaining balance forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: ME

Complaint narrative:
I have sent several messages through the app, after trying to call and being on hold for over an hour every time. The app states that they will reply in 2-3 business days. I have never received a reply to any inquiry. Now they are " retiring '' the app. The app makes it easy to manage and pay my loan. They provided no explanation about why. They are making it harder in this hard world for people to make payments. Not everyone has a laptop to go on the website and some phones don't convert well to sites like this. This is a disadvantage for all those repaying a loan. And the horrible customer service and no reply is just adding to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
The following account has been on my XXXX and XXXX credit reports for years : JPMCB - CARD SERVICE Acct # : XXXX Alleged date opened : XX/XX/2018 Alleged balance owed : {$2500.00} This account is not mine and needs to be removed from my consumer reports. I have requested the following information from JP Morgan Chase Bank for them to investigate the fraudulent account : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
XXXX ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that gives you rights to collect in my state.

6. The purchase agreement 7. Swear under penalty of perjury you were present during the alleged debt 8. Demand You provide Chain of Custody for account to ensure the financing and hand to hand transfers are correct 9. Master Bill Of Sale 10. Proof that the account number XXXX is 100 % accurate since this number was reported to my credit report. Anything account other than XXXX is not 100 % accurate and therefore would need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: OH

Complaint narrative:
At XXXX on XX/XX/year> I received an email from Chime XXXX welcoming me to Chime and asking me to set up direct deposit. At XXXX XXXX I received an email XXXX telling me my XXXX XXXX application is almost complete and that I needed to click the link to finish setup. At XXXX XXXX  I received a text from XXXX telling me my Chime account is ready and to download the app. XXXX XXXX XXXX 

At no point did I click any of the links. I never signed up for Chime. I googled their contact information which did match the information in the email they sent and I called and had " my account '' closed. The person directed me to the various credit monitoring agencies, but the thing is I have credit monitoring setup and get immediately notified if I open anything or even have a credit check, I received no notifications alerting me to Chime creating an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Incorrect balance

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