vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-11-23 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: DISCOVER BANK
State: DE

Complaint narrative:
I paid over my discover account and put it away safely in my safe. I then got notice that XXXX XXXX dollars was spent on my card. I disputed with discover and they refuse to honor my claims. Im force to make payments on transactions I didnt do so it doesnt effect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
Barclay ran a hard inquiry without my consent. I requested a credit increase and was told there would be a " soft '' inquiry, which is far less detrimental to my credit score and report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One is the auto lender for millions of first time vehicle owners, many of them have no previous credit history. 

Capital One denied me of an auto loan because of Requestor : No accounts listed as primary borrower. 

This would only be fair if 100 % of applicants were required to have accounts listed as a primary borrower, but because Capital One does not it make a requirements for everyone but theyre making it one for me- this is discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
I made a XXXX transfer from another bank account I have into my Atlantic Union Bank joint checking acct for XXXX around XXXX XXXX  on XX/XX/XXXX. These funds were placed in my available balance immediately making my available XXXX. I then transferred XXXX out of my joint acct into my single checking acct at Atlantic Union. My available balance was left at XXXX and was never negative. 
On XX/XX/XXXX, I was charged a XXXX overdraft fee for the XXXX I transferred out on XX/XX/XXXX AFTER the money I transferred from my other bank had been made available to me for use. This is beyond misleading to show funds available and allow them to be transferred out and then charge an overdraft fee for that. 
I called about the fee that was charged on XX/XX/XXXX at which time my negative balance after the XXXX fee was XXXX. This points to a problem since my total negative was less than the fee charged! Atlantic Union refunded the fee charged XX/XX/XXXX as a " courtesy '' but then told me that ANOTHER fee was going to come out because before they charged the fee on XX/XX/XXXX, I had move another XXXX into the acct on XX/XX/XXXX before they took the first fee out and then immediately moved XXXX to another Atlantic Union acct. AGAIN, these funds were available to me when I did this. So then they take that first XXXX fee out and then post my transfer AFTRR the fee, which makes it look like I also overdrew on the XXXX transfer out. So they charge me ANOTHER fee of XXXX. This is insane. My balance is again negative XXXX which is still less than the fee charged. I'm being charged a fee because of a fee and that is crazy! My available balance was never negative and I never initiated a transaction before funds were in my balance to use. The posting logic of this bank is set up in a manner to drive fee income and take advantage of its customers when funds are already low. I want a refund for the second fee assessed to my acct. I want to point out again that my acct balance was never negative and although I understand that you can't initiate a debit and THEN move funds in to cover that debit I did my credit transfers first, checked my available funds and initiated debit after that and based on what was AVAILABLE to me. 
Fix your posting logic or eventually you will get be involved in a lawsuit. Bigger banks have already gone through similar disputes in court and lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: FL

Complaint narrative:
List of Fraudulent Hard Inquiry That Needs To Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
Hello, XXXX XXXX  card by Continental finance is trying to make me pay {$590.00} after closing my account against my will and then reopening it after attempting to enroll in XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX Their terms and conditions state that I do not have to pay an annual fee and interest will not be billed to my account. However, this debt continues to accumulate and Ive made several daily effort and attempts to reconcile this dispute.

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An 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 explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is constantly saying that XXXX  is my debt. I have no know knowledge of XXXX. Im going to continuously fight this until it is completely removed from you bureau. Ive also reached out to to your bureau several times in regards to the illegal reporting from XXXX. Someone used my information illegally, my social security number, my date of birth and my name. I have reached out to you several times about this to let you know that my information was breached on several instances and that is what lead me to file a identity theft report with the FTC. How many times do I have to keep letting you guys know that XXXX is not my debt. I dont know anything about XXXX until I received a copy of my report. Please remove XXXX XXXX from my from my credit file as this is not my debt for the last and final time. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 605 B section 2 : also states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. PLEASE LOOK AT THE FTC REPORT TO SEE THAT I HAVE FILED A IDENTITY THEFT FOR FINEWISE/ OPPLOANS THIS IS NOT MY DEBT. MY DATE OF BIRTH, MY SOCIAL SECURITY, MY NAME WERE BREACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An 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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States I : It also states a consumer reporting can not furnish an 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 2022-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consolidated Management Group, LLC
State: PA

Complaint narrative:
Hello, XXXX credit card by Continental XXXX is trying to make me pay {$590.00} after closing my account against my will and then reopening it after attempting to enroll in XXXX XXXX  XXXX and unemployment related disaster impact. Their terms and conditions state that I do not have to pay an annual fee and interest will not be billed to my account. However, this debt continues to accumulate and Ive made several daily effort and attempts to reconcile this dispute.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I received an unauthorized transaction from XXXX for the amount of XXXX dollars : I contacted Bank of America immediately after seeing this charge and filed a dispute. I was advised to contact XXXX XXXX as well, in which i did. I was informed by XXXX rep that since event had already passed I was not able to get a refund but that what they advise costumers to do is to contact their bank and once their bank files a claim with them they can refund money back. Days later someone from XXXX XXXX contacted me and gave me a claim number in acknowledgment that my charge was unauthorized and that they will be waiting for my bank to contact them. I was given a temporary credit days by Bank of America days later. I received a letter on XX/XX/XXXX stating my claim was denied because The charge was authorized by you or made by someone who has permission to use the card or account. I contacted Bank of America upon receiving that letter and they informed me that because I had purchased a ticket to see the same XXXX in the past they found that transaction valid. I contacted XXXX XXXX only for them to tell me Bank of America never contacted them to dispute the transaction. Spoke to supervisor named XXXX and she assured me they would be able to refund me but my bank needed to contact them, in which they never did. I proceeded and filed a claim against XXXX XXXX with the XXXX. I called Bank of America to have my claim be re opened, spoke to representative named XXXX from claims department on XX/XX/XXXX and he stated that he had good news and it was that XXXX XXXX  was going to refund my money but that I needed to submit a statement and fax it over. On XX/XX/XXXX I faxed over documentation in support of my claim which included my statement along with the copy of the XXXX  complaint. so that my claim would be reopened. On XX/XX/XXXX, I received another letter from Bank of America stating The charge was authorized by you or made by someone who has permission to use the card or account. They have not contacted XXXX XXXX to dispute this item, XXXX XXXX assured me once my bank submitted the claim with them they will be refunding me. But Bank of America refuses to contact XXXX XXXX and they make the decision to deny my claim on the only fact that I have used XXXX XXXX once in the past and that my account wasnt completely whipped out when the unauthorized charge happened, in which it basically was. I was only left with XXXX dollars to spare. Never in my life have i made a purchase so big, you would think Bank of America wouldve tried to block it as it definitely was an unusual amount. They refuse to refund me my money even after sending them signed statements and proof of my communication with 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 2022-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I had an account with American Express. Serve the account has since been closed, but I have contacted American Express serve on several occasions because I need to access bank statements from XXXX and possibly the end of XXXX because I made payments to a company for a trip I was to take this year And the company closed and refused refunds and I need proof of the payments. American Express serve has twice told me that they would mail me copies of those statements and have not every time I speak to them they say because the account is closed they dont have access to those statements, but it is my understanding that they have to keep bank records for five years even on a closed account so I am looking for assistance to try to get the statements that I need. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was XXXX with my job. Found the company called XXXX XXXX and they advertised themselves as a month to month rentals, but found out they are a fraud. On their contract which you have to pay first before you can access the contract and see what youre signing. It said I had to be there for 3 months. I had to pay {$1400.00} to move in and every month their rent kept going up, I moved in, in XX/XX/2022 and in XXXX I told them Im moving out, and they told me I had to pay them up to 6 months. I was upset, but in XX/XX/XXXX they tried to take money out of my account without my permission. I called the bank and my credit card company to block them and I already turned off my debit card, but Wells Fargo allowed them to have access into my account without my permission and they stole {$1800.00}. I called Wells Fargo how was that possible because I never gave those people my bank details except my bank card which was turned off. Still they took my money. The bank returned the money but later took it back again leaving my account with XXXX and I called tried to dispute the charges but Wells Fargo blocked my number and they said they believed this fraudulent people, and they sided with them. I am frustrated and I need help. I want my money back from Wells Fargo

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 2022-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: AR

Complaint narrative:
I have had the same PNC account for OVER 20 YEARS ... ..several years back PNC had branches here n Arkansas but withdrew those branches which left me 500 miles away from the nearest PNC facility XXXX .so whenever I use my ATM card not only does the bank I'm using charge me a fee but my own bank PNC charges me as well!!!!! PNC HAS BEEN DOING THIS TO ME FOR YEARS THAT I WAS NEVER RE-IMBURSED FOR! Several months ago I called/complained and PNC started re-imbursing me every month for THEIR FEE PORTION ... ..up until this month when they refused to RE-IMBURSED me!!!!! It is not my fault that PNC discontinued service n my area so why I should I HAVE TO PAY MY OWN BANK FOR THIS EVERY TIME I USE MY CARD ... .AGAIN PNC HAD BEEN DOING THIS TO ME FOR LITERALLY YEARS so I would like an explanation please as the option to email PNC within my online account has been XXXX.

Company response to consumer: Closed with explanation