vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Background : I have maintained a credit card account with PNC Bank for several years, and I have diligently set up the auto-pay feature provided by the card issuer to pay the minimum amount due on the account each month. My understanding was that by selecting this option, I would be complying with the terms of the agreement to pay the minimum amount due on the date specified by PNC Bank. 

Issue : Despite consistently utilizing the auto-pay feature to pay the minimum amount due, I have been assessed late fees by PNC Bank for XXXX past months. This practice is both unfair and unacceptable, as it contradicts the clear intention of the auto-pay feature, which is to ensure timely payments of at least the minimum amount due. I believe that PNC Bank 's actions are in violation of the terms and conditions of our agreement. 

Additionally, on XX/XX/2023, I had a conversation with XXXX from the escalations department of North Carolina. During this conversation, XXXX stated that when a consumer makes any payment on the account, even for as little as XXXX dollar, it would void the auto-pay. In essence, this turns the auto-pay setup void and punishes the consumer for making any payment on the account. This information further highlights the inconsistency in PNC Bank 's practices. 

Request for XXXX : I hereby request the following actions to be taken : A refund of all late fees that have been charged to my account in the past months due to this issue. 

An immediate cessation of the practice of assessing late fees when customers have set up auto-pay to pay the minimum amount due on the account. 

An investigation into this issue to identify other affected customers and provide them with the necessary remedies. 

XXXX communication to all PNC Bank credit card holders regarding the correct implementation of the auto-pay feature to avoid similar issues in the future. 

This issue affects not only me but potentially thousands of customers who XXXX be unknowingly incurring late fees despite their efforts to make on-time payments. I believe that by addressing this matter, the Consumer Financial Protection Bureau can help protect the rights and interests of consumers who rely on auto-pay features to manage their credit card accounts responsibly. 

I have attached supporting documentation, including copies of recent billing statements and proof of auto-pay setup, to assist in your investigation. Please do not hesitate to contact me if you require any additional information. 

I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your assistance in ensuring fair and transparent practices within the financial industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-12 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: NJ

Complaint narrative:
My name is XXXX XXXX, and this statement is being composed by me. In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed on this report should not be furnished on my reports. FCRA Section 604F prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report and is obtained for a purpose for which the consumer report is authorized to be furnished under FCRA. FCRA Section 1681S-2 also states, that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or is consciously avoids knowing the information is accurate. Lastly, 15 USC 1681-4 consumer reporting agencies have assumed a vital role in assembling a reevaluating consumer credit. There is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumer 's right to privacy along with accuracy. The following are unauthorized inquiries ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: NJ

Complaint narrative:
My name is XXXX XXXX, and this statement is being composed by me. In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed on this report should not be furnished on my reports. FCRA Section 604F prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report and is obtained for a purpose for which the consumer report is authorized to be furnished under FCRA. FCRA Section 1681S-2 also states, that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or is consciously avoids knowing the information is accurate. Lastly, 15 USC 1681-4 consumer reporting agencies have assumed a vital role in assembling a reevaluating consumer credit. There is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumer 's right to privacy along with accuracy. The following are unauthorized inquiries ; 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 non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Experian is damaging my credit purposely after i reported an account by XXXX XXXX XXXX XXXX was listed on my report without my consent by Experian and its affiliates, this account is being reported in error for over 46 months and was taken to court and dismissed due to an improper investigation by the creditor violating my rights to equal credit i provided experian with this civil judgement on a recorded line and it was to be removed Asap!! they have failed to comply with the civil judgement matter from my home state and continue to damage my credit.

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 2024-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
You resolved my initial complaint with this company. I am on the phone with them now trying to get my account unlocked so I can make payments. They have reported me to XXXX and my credit score went down XXXX points. I am currently on the phone with them and they are saying it will take up to 20 days and they may reach out to the credit bureau 's and report me again. They can not unlock my account so I can pay which is what you guys told me to call and do. I need my credit to be reversed to what it was previously. The case ID they just gave me is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
They have incorrect information on file about me that Ive never gave permission to use, theyve pulled inquiries that Ive had no idea of. And I have collections from a few that Ive had no part in at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
They have incorrect information on file about me that Ive never gave permission to use, theyve pulled inquiries that Ive had no idea of. And I have collections from a few that Ive had no part in at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Received a {$300.00} American Express egiftcard which claims to be usable for 'online, telephone, mail order and participating physical merchant locations ;. 
The card worked once for a {$50.00} purchase and has been declined every time since then. I have tried multiple times over the past few weeks on XXXX, XXXX XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXX.I even called XXXX to see if they could enter the card # manually or load the balance to my XXXX account. They could not. 
Am Ex customer service has not had any solutions. They suggest that XXXX. I use the card after 24 hrs, ( did not work ) 2. use it in a physical store, etc. which is not their promise of online usability. 
3. use it at an online merchant who will not ask for my name and address but will ask for a CVV code. When asked which online merchants do that, they had no suggestions.

At this point, I would just like the cash from this card sent to me so I no longer have to deal with the hassle of trying to get this card to work. While I would like to think this is an unforeseen glitch, it is also a highly convenient one since I can imagine that some people will not have the time or energy to deal with this mess.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank has withheld XXXX dollars and the only internal process to transfer it to me is not viable, so they do not give me the money and do nothing to solve it. 
The events were the following : I opened an account on XXXX, a few days later I deposited a check. 
The account was automatically blocked, I called the bank and after many questions they enabled it again. 
On XXXX the funds were enabled but after a few days the account was closed without me doing anything. 
From there I went to the bank about 5 times and called repeatedly without being able to solve the problem. 
They told me that the only way is to call the issuer of the check to verify it, but when I give them the number, which by the way they already had it in their records because they gave it to me first, they told me that that number does not pass a filter. of their systems and therefore do not communicate with the issuer of the check. 
Also on XXXX when I went to open the new account to deposit the amount, they told me that they were going to send me a new check making me wait more days, since the check did not arrive I went to the bank again and they told me that I was not going to receive a new check, that the only option was to call and that there was no way to return that money to the check issuer. They don't even want to validate it with the person issuing the check by going to the bank in person. 
The issuer of the check does not have other phone numbers, so I have no way to get my money back. 
I did not do anything wrong and I demand my money back as soon as possible and not have to go through this distressing situation and wasting time without the bank 's predisposition. 
They don't want to send me an email with information about it either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have connected XXXX XXXX for two years. I have hired a credit agency to help. XXXX XXXX has continued to report incorrect information to my credit file. When I call to speak with an XXXX XXXX agent, I am told my account is not with their office. They also go on to let me know that they can not look any of my personal information or account because my debit is not with their office. However, XXXX XXXX is reporting that I how over XXXX in student loan debt on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
I have connected XXXX XXXX for two years. I have hired a credit agency to help. XXXX XXXX has continued to report incorrect information to my credit file. When I call to speak with an XXXX XXXX agent, I am told my account is not with their office. They also go on to let me know that they can not look any of my personal information or account because my debit is not with their office. However, XXXX XXXX is reporting that I how over XXXX in student loan debt on my credit file.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: FC HoldCo LLC
State: NJ

Complaint narrative:
AS PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION. I, THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL, AND NON-VERBAL ACCORDING TO 15USC 6802

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
They have incorrect information on file about me that Ive never gave permission to use, theyve pulled inquiries that Ive had no idea of. And I have collections from a few that Ive had no part in at all.

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 2024-01-12 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: TX

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX 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

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 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
We deposited XXXXXXXX XXXX XX/XX/XXXX between XXXX - XXXX The ATM had an error and it did not credit our account with said money. 
The ATM directed us to call the XXXX number printed on the ATM receipt but their lines are closed on the weekends so the earliest a claim was made was XX/XX/XXXX, the next businesss day : monday a claim with chase was made XX/XX/XXXX with tracking ID XXXX Chase refused to credit us XXXX of the XXXX after an investigation- of which the methods were not disclosed to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Hello, I'm having a problem with one of my banks, called BECU. Someone managed to have access to my data and accessed my account, they deposited checks in my name but with another living address, then they took out the money they deposited plus mine, now I have an overdraft in my account and those of the bank do not manage to do anything. And they say it's my fault. 

In addition to depositing checks that were not mine, they also made different transfers through XXXX, and the only thing the bank says is that it was me and they rejected my claim.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation