vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
On XX/XX/09 I made a deposit into my checking account for about {$100.00}. At the time my account was negative about {$15.00}. 
XXXX I use my debit card to pay for a night stay at XXXX XXXX XXXX XXXX XXXX 
XXXX I go to atm to deposit cash to pay for another night and the ATM says my account has been deactivated- I call the bank they say my account is closed for inactivity for 30 days. 
- it was not inactive as I just made a deposit and purchase the prior day. I looked up their regulations on closing accounts and a customer has 60 days of inactivity before closing. 
- after phone call I check my mobile banking app it shows my account is still active with a XXXX balance. 
- I call the customer service number on back of the card it says " your account is active with a balance of XXXX dollars. '' But this was not being reflected on the app. 
- XXXX I visit a PNC branch on XXXX XXXX and XXXX XXXX The woman teller was clearly not wanting me to view specific information. When I asked for a printout of my transaction history she responded with " sure I can give you your last transaction '' I ended up getting a list of the last XXXX months. 
- I see MULTIPLE unauthorized transactions, and incoming deposits that were being blocked by the bank so I go home and call the customer service number. 
- I talked with about XXXX different people whom all sounded like they had no education in banking. They kept saying there's nothing I can do. 
- I got to a lady who was able to go over the account history with me and what she had in her system was completely different than the printout they provided me at the bank. For example, on my printout it says a company deposited XXXX dollars on a specific date. In the lady 's system it showed that instead that company withdrew XXXX dollars. It showed no deposit. 
- XXXX I call the bank and they refuse to acknowledge my concerns and say there's no manager, they only give me their first names after asking for my full name XXXX and social. 
- They said the transactions coming in can be placed into my savings account. I don't use this account so I looked online to make sure it was still active and it happens to close today. 
- my identity got stolen a while back and this is probably the XXXX business I've came across that is misusing my information to do fraudulent crimes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I was XXXX when I became a victim of identity theft and sin fraud. Since then I have been fighting with several creditors reporting agencies and the government to remove the fraudulent accounts and nothing gets done. I am tired of fighting. I just want to have this done and removed so I can finally live my life.

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 2022-01-12 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank issued me a SECURED CREDIT CARD back in XX/XX/XXXX. It has taken until XX/XX/XXXX to receive a response letter from them telling me that the CREDIT CARD IS NOW UNSECURED. However, XXXX CREDIT BUREAU is NOT reporting this credit card on my report. 
I have been back and forth with BOTH companies. They claim ( XXXX ) that I have to go back to Wells Fargo Bank. So I did, they called there back office. Which said, that we are reporting it. I looked on the report and filed a dispute with XXXX and they sent me right back to Wells Fargo Bank. 
Now its XXXX and I want this agency to investigate it the fullest extent of the law. Thank you all for your efforts!

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 2022-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX to XXXX {$3900.00} Account # XXXX World Financial # XXXX Her name is XXXX I asked for office address she didn't have office address!!! She keeps leaving messages and emails.. 
Barely trying to make it and want collect on the pandemic ...... 
Plus Thts Not my last she called me by ex married last name ( XXXX ) She threating to send documents to my HR garnish my wages!!!! 
And put a lien on my house if I didnt pay it!!! 
I told her to send me the document she said no until I paid it in full and only than she could send me the documents .... 
Tht was my ex-husband old bills which he has been incarcerated since XXXX This was open back. InXXXX It been over 24 years And they are still trying to collect She said last there was still activity on it XXXXWhich I know nothing abt... I have court documents where it states tht he Is responsible for any outstanding bills that we had together we divorced in XXXX... I told her tht too.. 
But still She keeps leaving messages to call her

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Borrower was denied a loan modification because lender said they couldn't reduce the payment. However the lender did not consider an interest rate reduction and/or a re-amortization to extend the term of the loan back to 30 years according to the HUD Handbook guidelines .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have been disputing fraudulent inquires from the credit bureaus as XXXX Bank instructed me ; the credit bureaus are not removing or blocking those credit inquiries from my credit report, credit bureaus are referring me to XXXX Bank to dispute those inquiries directly with them because XXXX Bank is alleging that the credit inquiries are valid every time I deny then with the credit bureau. Whenever I dispute fraudulent inquiries without including the valid accounts that I have with XXXX Bank and the correct inquiries related to those accounts, XXXX Bank is closing all my accounts for no reason. They claim that the credit bureaus are informing them that I am disputing all the open accounts, I requested evidence of that, but XXXX Bank refuses to send proof to me. At this point, I am informing CFPB that Equifax and other credit bureaus, and XXXX Bank are refusing to remove the following fraudulent inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX  Those inquiries have been inserted in my credit report per XXXX Bank request, I called to the Account Protection Team at ( XXXX ) XXXX, and spoke with XXXX, a supervisor of that department, and XXXX refused to help me with this dispute claiming thaXXXX XXXX  didn't have access to the applications completed in more than 30 days ; I requested to speak with the person who is verifying these inquiries with the credit bureaus, and she said that I have to contact the credit bureau to resolve this. 
Valid Accounts that I have with XXXX Bank that don't need to be disputed or closed : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing only the inquiries that I listed and nothing else, so then the accounts that I have with XXXX Bank should not be affected for retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I have been disputing fraudulent inquires from the credit bureaus as Comenity Bank instructed me ; the credit bureaus are not removing or blocking those credit inquiries from my credit report, credit bureaus are referring me to Comenity Bank to dispute those inquiries directly with them because Comenity Bank is alleging that the credit inquiries are valid every time I deny then with the credit bureau. Whenever I dispute fraudulent inquiries without including the valid accounts that I have with Comenity Bank and the correct inquiries related to those accounts, Comentity Bank is closing all my accounts for no reason. They claim that the credit bureaus are informing them that I am disputing all the open accounts, I requested evidence of that, but Comenity Bank refuses to send proof to me. At this point, I am informing CFPB that XXXX and other credit bureaus, and Comenity Bank are refusing to remove the following fraudulent inquiries : COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYBANK/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITY BANK/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYBANK/XXXX XX/XX/XXXX COMENITY BANK/XXXX XX/XX/XXXX COMENITYBANK/XXXX XX/XX/XXXX COMENITYCAPITALXXXX  XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITY BANK/XXXX XXXXXX/XX/XXXX COMENITYCAPITAL/XXXX XXXXXX/XX/XXXX COMENITYCAPITAL/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX  XX/XX/XXXX Those inquiries have been inserted in my credit report per Comenity Bank request, I called to the Account Protection Team at ( XXXX ) XXXX, and spoke with XXXX, a supervisor of that department, and she refused to help me with this dispute claiming that she didn't have access to the applications completed in more than 30 days ; I requested to speak with the person who is verifying these inquiries with the credit bureaus, and she said that I have to contact the credit bureau to resolve this. 
Valid Accounts that I have with Comenity Bank that don't need to be disputed or closed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am disputing only the inquiries that I listed and nothing else, so then the accounts that I have with Comenity Bank should not be affected for retaliation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Credit card or prepaid 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
Cars was stolen on XX/XX/XXXX and used the next morning on XX/XX/XXXX they said that becuase I logged on and saw the transaction that it must have been fraud which is simply not true. I have tried multiple time to resolve this issue with no luck they wont even let me XXXX the choice. STAY AWAY FROM ASPIRE CREDIT CARDS AT ALL COSTS! Stolen XXXX $ from me!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
I have had nothing but problems since the beginning of the purchase of this vehicle in XX/XX/XXXX. I was sold warranties for Honda to cancel. My husband and I decided in XXXX to pay off the lease and sell the vehicle prior to the lease-end term. The vehicle was paid off in full on XX/XX/XXXX ; the title was to be released and sent 10- business days after that as confirmed by several representatives. The title was not sent until XX/XX/XXXX ; 14 business days not including weekends and holidays. The title, when received was a title Honda reported lost ( title number XXXX ) the title was issued and reported lost by Honda XX/XX/XXXX ; the new title ( XXXX ) was issued on XX/XX/XXXX and is currently the VALID title for Arizona per MVD record. Honda currently does not know where the valid title is. I have sold the vehicle at this point ; I requested for a POA to be sent XXXX XXXX to me ; it was sent regular mail ; I then called back to have it XXXX 'd ; in which it was. However, the POA received is invalid as there are two names ( my husband and myself with my last name cut off stating " XXXX '' ) a valid POA can only have ONE person and then a subsequent POA for the other person. The MVD said Honda should know this and should have provided two POA 's one for myself and one for my husband that will allow us to transaction on the vehicle. I have requested multiple callbacks, no one has called me back. I have spent over 10 hours on hold for just the title issues, explaining to representatives and traveling to MVD. I may lose the sale of the vehicle I will hold Honda not only financially responsible for my time but for the loss of the vehicle sale. I just called again today to request VALID POA to be XXXX 'd overnight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX, Discover Card authorized a balance transfer payment from my credit card account to my Checking account with XXXX card. As of XX/XX/XXXX, the funds hadn't arrived at my XXXX account. 

I messaged them ( their main customer service number is selling products to people and hanging up if you don't buy ) many times and explained that this situation was artificially negatively impacting my XXXX XXXX. They asked me to submit a form stating both the routing number and the account number of my XXXX account. I did, then waited. Nothing happened. I have since then been trying o reach them in every way I can, and besides dropping chat conversations, and selling products to customers calling about pressing card issues and then hanging up on them, I have had no answers, no recourse, no one to even talk to. 

They say it will take them 30 days to investigate this dispute. It is a simple matter of adding my routing number to my balance transfer request and processing the payment. I have already been charged for ( my Discover account is now {$11000.00} higher ) which has ground my XXXX XXXX down to poor from good. But they will not help me, or even get me a real person to talk to me. 

I will be unable to process my home refinance due to a damaged XXXX XXXX while rates are still reasonable because of Discover card 's negligence and mistreatment of customers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
America First added all my accounts together saying that it was in the loan agreement that I signed which I was not given a copy, I was not given a chance to read the agreement and I'm XXXX which they knew because I received my XXXX check in my account with them so I believe I was discriminated against and taken advantage of because I'm XXXX. Plus how can they do that when it was a collateral loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Per tranunion website states im 30 days or more pass due of {$330.00} owed to XXXX XXXX ( car loan company ) I called XXXX XXXX today at XXXX spoke with manager name XXXX XXXX who emailed me a copy of my payment history with regional acceptance for XX/XX/2021 showed paid, XX/XX/2021 showing XXXX ( meaning i filed for this payment to be extended moved to the end of the loan agreement ( so this isn't due ). XX/XX/2021 showed paid. 

so im not pass due 30 days or more with regional acceptance!

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 2022-01-12 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: MN

Complaint narrative:
I deposited 2 checks for {$3000.00} each, for a total of {$6000.00} Via the Chase XXXX XXXX on XX/XX/2021, the funds cleared the issuing bank on XX/XX/2021 On XX/XX/XXXX, Chase bank closed the account at their institution, with no reason or notice given, and returned the funds in the account, minus the {$6000.00} in the form of a cashiers check. upon numerous calls, lasting for hours of hold, call back and repeatedly trying to resolve this issue, at the branch and on the phone. Branch manager tells me i need to talk to Loss prevention, and gives me a number to call, that numbers has a hold time over 2 hours. when you do reach someone the tell you you need to resolve in a branch. I have been to 3 branches and wailed on hold for over 10 cumulative hours, and get conflicting information on how to receive my funds. as of the writing of this complaint, i have been hung up on no les than 6 times while holding to speak to someone about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
ComenityBank/XXXX is in violation of my consumer rights according to the FCRA. I have sent affidavits to them as well as the violations the committed and they still havent complied or find a solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$460.00}

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 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I applied for vehicle financing with GM financial on XX/XX/2021. I received the vehicle XX/XX/2021. 

I see that there are 4 additional credit inquiries from GM Financial in the next 2 months that I did not authorize. GM states they did not inquire. The inquiries are dated : XX/XX/2021 XX/XX/2021 ( 2 inquiries on this date, one from XXXX XXXX GM, one from XXXX GM ) XX/XX/2021. 

I did not authorize these, I was approved based on the correct XX/XX/XXXX credit check.

Company response to consumer: Closed with explanation