vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I had 4 accounts I rarely accessed. They are more or less " holding accounts '' for renter deposits. I am required to have these accounts. I was told at BBVA that there was no management fees associated with the accounts if I set up auto transfers on the accounts between a savings account and a checking account, which I did. I opened the account in XXXX XXXX. I was never informed that PNC was actively purchasing the bank. 

When my renter moved out in XXXX I tried to access the account to retrieve the funds and was then notified that BBVA was purchased by PNC. I was not told of this during a prior date or at the time of opening the account at BBVA. 

I went to the local branch to sort out the issue and retrieve my new account numbers. Of the four accounts, they could only locate one crossover account. I was told that the account balance was now $ XXXXI asked for my account closing statement at BBVA and they said they would have to look that up and to come back at another time because they didn't have access to it. They said they would not refund my money, despite never opening or opting into a specific account with management fees at PNC. They drained one account with management fees. They could not provide account numbers for the other three and could not tell me if or why the other three PNC accounts had been closed or where the money in those accounts went. 

I was then told that nobody else had this issue during the crossover. That I was " mismanaging '' my accounts and it seemed like they thought I was deserving of losing 3 accounts money and the associated history of those accounts and $ XXXX dollars in the one remaining account that they were able to produce a PNC number and account balance for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
1. My loan was sold/transferred to a new loan servicer effective XX/XX/2023 2. I made a monthly payment to OLD loan servicer on XX/XX/2023 for payment due XX/XX/2023, per directions on Notice of Service Transfer 3. This payment included interest from XXXX plus principal 4. Loan service was transferred XX/XX/2023 5. I sold house and escrow closed XX/XX/2023 escrow received Pay-Off demand from new loan servicer charging me interest from XXXX and a principal amount that did NOT include payment of XX/XX/2023. 
6. I contacted NEW loan servicer and they claimed they never received funds from my payment of XX/XX/2023. 
7. I contacted OLD loan servicer and they claimed they wired funds representing my XX/XX/2023 payment to NEW loan servicer. 
8. I re-contacted the NEW loan servicer, they claimed they returned the XX/XX/2023 to the OLD loan servicer. 

Both servicers claim the other has the funds and I must contact them. Both servicers tell me different and contradictory information each time I contact them. 
I have contacted both of them at least XXXX time over the last XXXX weeks, and filed requests online -per their instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion has failed to do a re-investigation into account XXXX the current error on my report shows an error on the account that is inaccurate. This account needs to be updated to a XXXX  status

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 2023-08-25 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: NY

Complaint narrative:
I have some unauthorized inquiries on my credit report, i attached a letter with all information.

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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-25 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
On a transaction dated XX/XX/2023 I was scammed {$190.00} in the beach in XXXX XXXX XXXX using tap to pay. I almost instantly noticed this scam and reported it to Apple Card hoping that this swiftness would help my case. I have gotten in the phone with them multiple times, reopened the claim 3 times, told my story via email and over the phone countless other times. Despite providing all the evidence that I possibly can, Apple Card/Goldman Sachs continues to not only deny the claim but not even look at the details of an obvious scam. 

The whole point I use a credit card overseas is to protect myself from things like this happening. In the few times it has happened, my credit card company has timely and efficiently resolved the claim and gotten me back my money. This is the first time Ive ever filed a fraud claim and been denied and denied repeatedly. 

To others, dont use your Apple Card if you want any type of fraud protection, they will close your claim in the scammers favor and leave you hanging with the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
I reviewed my consumers report and noticed there was an inaccurate account on my credit report from XXXX XXXX XXXX. 
account name : XXXX XXXX account # XXXX Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I contacted XXXX XXXX XXXX and asked them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the fair credit reporting act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: NY

Complaint narrative:
I have some unauthorized inquiries on my credit report, i attached a letter with all information.

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 2023-08-25 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: NY

Complaint narrative:
I have some unauthorized inquiries on my credit report, i attached a letter with all information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-08-25 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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: TX

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 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:
I contacted Experian via mail requesting that they research a tremendous error in my credit score reporting. XX/XX/2023 my credit score was XXXX ( reference Experian report XXXX XXXXXXXX ) and as of XX/XX/2023 my credit score dropped to XXXX which is a decrease of almost XXXX points. I have not applied for any new credit, my amount of debit is still the same, there are no late payments or collections. My credit activities have been consistent over the last few years.

I'm requesting research to find the root cause of my credit score decrease and resolve the issue to correct this error immediately.

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 2023-08-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i was never late on my XXXX  XXXX XXXX  account I have a letter from XXXX XXXX confirming that I was never late experience reporting inaccurate information

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 2023-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I sent Capital One a certified notarized letter requesting several documents that they never provided and instead sent me a response by regular mail denying all claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: MN

Complaint narrative:
I mailed letters to Equifax in XXXX, XXXX and XXXX to dispute incorrect information reported to my bank. I was denied a loan in XXXX based upon incorrect information reported to this lender from my Equifax credit report. 

I've included with my letters mailed two copies of my driver 's license and a copy of my electrical bill to confirm my identity to Equifax. I have been told repeatedly by phone my letters haven't been received. 

I have copies of receipts for my letters mailed from the U.S. Post office. The Equifax customer service reps tell me they haven't received any correspondence from me since XXXX. 

Second issue is access to my credit reports via free Equifax online account. I can log into my account but can't view any previous or current credit reports. Since XX/XX/XXXX this has been an ongoing issue. 

When I ask for IT technical support, I'm told repeatedly this issue has been escalated. But I can never speak with their IT technical support team, told by the Equifax employees that the IT tech department doesn't take customer calls. 

I've called many times, and my concerns aren't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 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 after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Attempting to access my credit report security freeze with Experian invariably results in being intercepted with an offer for their Experian XXXX XXXX service immediately after login. There is no method by which to decline the offer and continue on to managing my credit freeze without being extorted into signing up for their XXXX service. This occurs even when signing in with an existing account.

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 2023-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I filed a police report for identity theft on XX/XX/XXXX for a XXXX account. I have sent letters to TransUnion, XXXX & XXXX they have failed to remove this from my credit report. I filed a FTC report as well. I also had Inquiries I did not authorize on my credit report. I will list them : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 2023-08-25 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I filed a police report for identity theft on XX/XX/XXXX for a XXXX account. I have sent letters to XXXX, XXXX & Equifax they have failed to remove this from my credit report. I filed a FTC report as well. I also had Inquiries I did not authorize on my credit report. I will list them : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Middle Class Tax Refund, Money Network. 

I used the card earlier this year for one or two charge. Afterward, someone had charge my card without me knowing. I called the company, they said they were going to send me a new card. Once I receive the new card, they said they will send me the first check for the balance and the rest of the check once they review the fraud charges. It's been more than two months and I have yet to receive the 1st or 2nd check. I called and they transferred me to escalation department, but it is a long wait and it is not going through.

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 2023-08-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: NV

Complaint narrative:
on XX/XX/XXXX I opened a money market account with Usbank in XXXX NV at ( XXXX XXXX XXXX XXXX NV XXXX ) I deposited {$220000.00} in a money market account that pays 4.25 % apy. and XXXX apr ..... I spent about one hour with a banker asking questions and I usually do that to avoid surprises ... and for 40 years been opening accounts like this and I know terms and conditions but to avoid untraditional terms I ask these questions about when the interset starts on the account ( the day we open the account ) do I get free checks... etc... I got all the needed answers and once the banker does not know an answer she runs to the manager XXXX XXXX XXXX for answers she was extremely helpful... and on XX/XX/XXXX I added to the account another {$25000.00}... I asked when the interset post to the account? I have been told about one business day before the end of the month .... 
on july 28/ 23 i stopped at one of the branches and I requested updates on my account they told me interest posted to the account is XXXX XXXXI asked for a quick print of the statement. I took the statement and I started my calculations simple interest calculation... 
{$220000.00} produce that much for the 5 days ( {$120.00} ) until I deposited {$25000.00} and both amounts {$240000.00} would produ XXXX for the rest of the 13 days I am short XXXX dollars... I tried to solve the problem... but the answer was sorry we started the interest on the day of receiving the money... but it was a discussion to solve the problem and we can not explain every thing in the terms given to you... but I asked and it was said and supposed to be the day of opening the account... so i closed the account the manager was very understanding saying I will raise your concern to the management about 13 days in the cycle and actually it is 4 days short .... in brief i did not get my full interest wich I am asking for fair reply and recuperate my full interset andto prevent more issues like this that goes unnoticed. thank you

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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/23, Someone applied for JPMCB w/o my knowledge.

Company response to consumer: Closed with explanation