vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX- XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX 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

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 2022-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I was scammed on XXXX XXXX XXXX using Zelle. It was {$100.00} payment is still pending. Zelle I sent them an email they are currently closed and I contacted XXXX but they cant do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I have completed the payment scheduled for the vehicle loan based on the agreed monthly payments. The maturity date for the loan was XX/XX/XXXX. The final payment was made on XX/XX/XXXX, and the payment was deducted from my bank account for {$440.00} as scheduled, yet Chrysler capital still withheld my title. Then, the information I received from the customer services agent was that I owed the month of XX/XX/XXXX in the amount of {$440.00} plus {$22.00} in late fees. Also, they stated that I was XXXX days past due, which was incorrect. Further, Chrysler Capital charged me late fees during the XXXX pandemic from XX/XX/XXXX - XXXX, even when the Government asked many dealers to pulse payments. I have attached evidence of those charges, and I am asking Chrysler Capital to waive those fees charged during the pandemic. Also, applied payment made in the amount of {$440.00} on XX/XX/XXXX, which was the final payment for the loan. I made several attempts to resolve this matter directly with Chrysler Capital, but the customer services agents weren't friendly to listen to my explanation. Please, help me to investigate these unnecessary fees and am open for negotiation to be able to collect my vehicle title. Note that I have paid the principal and interest for this loan except for these excess fees charged here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I wrote COMMON WEALTH financial to inquire about the medical debt back in XX/XX/2022. They have not responded to my request for them to validate and confirm this debt with me. I did not receive a notice prior to them reporting this on my credit report with XXXX, XXXX or XXXX. I do not consent to sharing any debt I may owe to report in any credit bureau. It is a violation of my HIPPA privacy rights and needs to be deleted. This medical debt is still reporting on all 3 credit bureas. It is inaccurate and is in violation of FDCPA. I asked them to delete it and they have not. So I need the XXXX  to make sure Common Wealth follow the proper guidelines and laws when reporting medical debts. I request that this is deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am a Rep payee and when I want to set up the account for my godson and myself, I was tool through the employee at Truist bank in XXXX, Pennsylvania, that no money would go through if it would take my balance past zero or if I had a zero balance, nothing would go through. I even confirmed this with her before I left. Well, $ XXXX laterout of my pocketto cover their charges for money that were never to go through. It took days for checks to go out, so I canceled them through the app-example : Name : None, Amount XXXX et al because there was no way to delete them. Not only did the checks go out, they went out every month!!!! How? I dont understand how they could do that!! When I first requested her to cancel these checks on her end, she told me that she couldnt. I had to close this account and open one elsewhere with no problems whatsoever. I am still out over {$400.00}! They started ignoring my requests and letters when I still was banking with them.

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 2022-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC Bank poor accounting of available funds and shift monies from accounts after Ive made transfers to balance out my accounts. PNC is intentional triggering fees ( overdraft protection ) by changing my account balances and causing payments from my accounts to delayed or held and creating negative balances and adding more fees. 

On XX/XX/XXXX, I unexpectedly had a XXXX balance in my checking account, with pending business payments expected to withdraw. Reviewing there were expenses not posted and funds returned to checking account as available after the standard 72 hrs. 

I transferred money from my XXXX  account to cover automatic payment withdrawals, expected after XX/XX/XXXX. The morning of XXXX, I receive email notifications, I have a XXXX balance in checking because they applied an overdraft fee. The funds I transferred to balance out the checking account, was returned back into the XXXX accounts. 

I didnt do this nor authorized the bank to make this change or any changes. I had a XXXX XXXX in my checking account, an overdraft protection fee and still had payments pending. 

I reached out to PNC several times prior for other balance inconsistencies and errors in applying fees and not correctly investing an overpayment to a vendor. 

I spoke with PNC rep and to keep a HAND WRITTEN LEDGER to also manage my transactions. Though an archaic suggestion in a real-time digital world and economy, it still wouldnt remedy the changing balances in/out of the accounts. Especially, those the bank decided not to keep in the right accounts. 

I was transferred to XXXX XXXX, Executive Client Relations. But we never spoke, even after request via email, she schedule a time to meet. 

In the last 6 months, PNC Bank has caused me significant distress, loss of business and loss of money with long term negative impacts to merchant/client relationships. PNC Bank record keeping & report accurate balances in real time is horrible and even dangerous and distrustful. Ive had to request several fees be removed because of their poor accounting. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX- XX/XX/XXXX, XXXX - XX/XX/XXXX, EQUIFAX MORTGAGE SERVI XXXX XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX 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

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 2022-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Hello, As of today ( XX/XX/2022 ) CAVALRY PORFOLIO SERVICc is reported a debt collection in the amount of XXXX on XXXX credit reporting agency that I owe them. 

I have contacted several times through this website and say that I never open any credit card from the originator ( XXXX ), never sing any document, never bought anything using their credit car and never know that a credit card on my name was being used by someone. Yet, they still post a debt that growing ever day and want to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm a natural person and a living human being whom I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. and they violated my rights numerous of times. I demand these Inquires and accounts listed below removed because According to 15 USC 1681. I have the right to privacy and I did not give Equifax a written permission to furnish these inquires and accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: NY

Complaint narrative:
On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number for the. first time. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been inserted on my credit report on XX/XX/2022 for the second time after it was removed yet again on XX/XX/2022. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

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 2022-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: PA

Complaint narrative:
I took a picture of a check an they said it would not go though because picture was not clear so I then went to a nere by bank an cashed my check then because they messed up it went through after already cashing check at the bank so I got paid twice but thats not my fault there computer messed up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: NJ

Complaint narrative:
PLEASE HELP!!! 

CashApp Case # XXXX XXXX My CASHAPP card was stolen and used in two different establishments, on the same day, one after another. 
I reported this theft to CASHAPP immediately. 
I submitted a refund dispute for all three successful charges from both establishments. 

CASHAPP informed me that it would take 10 business days, in which they refunded me two of the three charges.

The two charges were the smaller amounts, but proceeded to wrongfully DENY the third charge, with no reason. 

I appealed it via phone with XXXX XXXX. 

XXXX told me that it would be another 10 days, it has now been well over 20 days, between 1st submission and appeal ; however they still have not refunded me my stolen funds and have been giving me a very difficult time in giving me a status update, as to why they still have not refunded me the third fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number for the. first time. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been inserted on my credit report on XX/XX/2022 for the second time after it was removed yet again on XX/XX/2022. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

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 2022-09-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number for the. first time. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been inserted on my credit report on XX/XX/2022 for the second time after it was removed yet again on XX/XX/2022. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: IL

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, 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

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 2022-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony bank XXXX Furniture store Account opened on XX/XX/XXXX by merchant without providing full disclosure of terms and conditions Gave misleading information about furniture financing Order was canceled Calling bank since XX/XX/XXXX to report the account Filed a dispute on XX/XX/XXXX Bank replied- pls work with your merchant for a solution Merchant submitted forged documents refused to give a refund

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 2022-09-18 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 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 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

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 2022-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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

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 2022-09-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Santander Consumer USA ACCOUNT # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation