vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I deposited a check that I received from a claim. I was told that the funds would be available the next day in which it showed that the funds were available. I went to the bank a few days later to make a withdrawal. I was asked by the teller what I was intending to use the funds for, I told the teller that that was non of her concern and was denied access to MY money. I have never been asked to explain why I am making withdrawals from a banking institute before and don't intend to explain to anyone. I spent close to an hour in the bank trying to make a withdrawal, the entire situation was uncalled for and very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I inadvertently over-paid them with a debit from my debit card that is attached to my checking account. The balance that I owed them was XXXX, but I paid them {$3500.00} anyway. I spoke to them about this on XX/XX/XXXX and was told to expect the refund back into my account in 3 to 5 business days. 
On the 5th business day, XX/XX/XXXX I didnt have my overpayment refund yet, so I called them again. They stated that their Compliance Department has my account under review and they were waiting to hear back from their Compliance Department. 
I followed up by phone on XX/XX/XXXXXXXX  and got no new update. Just that they & I should both expect to hear from their Compliance Department. 
I called them again XX/XX/XXXX, which is 2 full weeks after the overpayment, and got no new update. Again, just that they and I are both still waiting to hear back from their Compliance Department, and that sometimes it takes a couple weeks. I pointed out that it HAS been two weeks, and they still can not tell me when to expect my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experience has confirmed medical account that is not mine.

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 2023-08-18 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-08-18 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian, XXXX and XXXX the credit companies are all reporting inaccurate in my credit report. 15 US Code 1681i ( 5 ) states that removal of Inaccurate/ invalidated credit information. I have sent letters to all three credit companies and have not gotten a response in 30 days. They are reporting late payments on my credit report without my consent. 15 US Code 1681a states that this is a law, and it should be removed.

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 2023-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2023-08-18 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

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 non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

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 non-monetary relief
Consumer complaint received 2023-08-18 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: TX

Complaint narrative:
This account was open XX/XX/2013. I have paid as agreed and have held the title for some years now. It appears as a write off, inaccurately. I am requesting this adverse account be removed from my report. It is paid in full as agreed. 

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 2023-08-18 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:
This account was open XX/XX/2013. I have paid as agreed and have held the title for some years now. It appears as a write off, inaccurately. I am requesting this adverse account be removed from my report. It is paid in full as agreed. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: TX

Complaint narrative:
This account was open XX/XX/2013. I have paid as agreed and have held the title for some years now. It appears as a write off, inaccurately. I am requesting this adverse account be removed from my report. It is paid in full as agreed. 

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 2023-08-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian Still reporting wrong information on my credit report. Which is causing me to have a bad credit score Also, it did not respond within the 30 day period when I make a dispute Also, this agency is acting as if I supposed to pay them to have a good credit score. Because every time I turn around, my credit score always goes down. I have not had anything on my credit cards for the last 3 months. My credit score still goes down never mind

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 2023-08-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: Credit Karma, LLC
State: MI

Complaint narrative:
I received my payroll check from my employer on XXXX, I that evening did a mobile check deposit into my credit karma account. Was then told via a message, that my check would release {$220.00} of it by the XXXX and remaining on the XXXX. A few days go by, then at XXXX XXXX on the XXXX, I received XXXX back to back emails, first said my check funds were in my account, the next stating my check had been rejected and returned. Believing this was a mistake, went to try and re-deposit the check again only to receive a message saying I could not due to the check being already cashed???? When I contacted credit karma, I was told nothing, they said my issue had to be escalated to an escalation dept and I would hear from them on my issue. Well I am now XXXX  days later and went to the checks issuing bank to cash my check since I now HAVE NO MONEY AT ALL. The issuing bank told me it wasn't able to be cashed and to get my employer to write a new one? I spoke to my boss, and he checked, stating the payroll amount for my check WAS ALREADY CASHED? So credit karma not only hasn't told me anything about the issue, but now they are holding my paycheck hostage and not telling me anything about when I can either get it into my account or have the check declined??? So, in essence this company has just robbed me and won't tell me anything to clear it up? That doesn't seem right. I just need the money I work hard for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: FinCo Services Inc DBA Current
State: MN

Complaint narrative:
I am writing to express my deep concern and frustration regarding a series of unauthorized transactions on my CURRENT Bank account ( also known as XXXX XXXX XXXX ), which have resulted in significant financial hardship for me. I kindly request your intervention to help resolve this matter promptly and fairly. 
I noticed three unauthorized charges on my CURRENT Bank account, totaling {$450.00}, {$500.00}, and {$460.00}, respectively. I immediately reported these charges to CURRENT Bank, requesting that they investigate and refund the amounts to my account. Despite providing clear evidence and screenshots and a lot of proof, that these transactions were unauthorized and explaining that I had lost my card and had to replace it, CURRENT Bank denied all three dispute requests. 
I can not emphasize enough the impact that these denied dispute requests have had on my financial well-being. Not only did I experience a loss of almost {$1500.00} due to these unauthorized transactions, but I also faced severe difficulties in covering my bills and other essential expenses during that month. The situation was exacerbated by the fact that I had to wait for the unauthorized charges to be resolved, adding unnecessary stress to an already challenging time. 
I want to address the reason provided by CURRENT Bank for denying my dispute requests. They stated that the denial was based on the fact that I have previously done business with the merchant XXXX. I want to clarify that I did not authorize any of the transactions in question, and I have not knowingly engaged in any business with XXXX that would warrant these unauthorized charges. 
I believe that I have followed all necessary protocols and provided sufficient evidence to support my claim that these transactions were unauthorized. I kindly request that the Consumer Financial Protection Bureau intervenes in this matter to ensure that my rights as a consumer are upheld and that I receive a fair resolution. I am seeking a refund of the full amount of {$1400.00}, which I have lost due to these unauthorized transactions. 
I understand that the Consumer Financial Protection Bureau exists to protect consumers like me from unfair practices and to ensure that financial institutions operate with transparency and integrity. I kindly ask for your assistance in facilitating a resolution with CURRENT Bank, as I feel unjustly treated and unsupported in this matter. 
Please find attached copies of the relevant documentation, including statements, transaction records, and correspondence with CURRENT Bank. I am confident that a thorough review of these documents will confirm the validity of my claim. 
Thank you for taking the time to consider my situation. I look forward to your prompt response and a resolution that is fair and just.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I got a car from us Autos XXXX and now they are under investigation it's XXXX  and they say I owe XXXX still I know I been overpaying especially doing the pandemic and they always turning off the car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I switched to Huntington because I needed a bank in XXXX where I recently moved to. I have direct deposit and a Checking and Savings account. I received my direct deposit pay on XXXX. I made a large payment and then I had a check that I had to cash for {$1000.00}. I deposited it into the atm around XXXX. That was my only option because they do not ever have extended hours and it is hard for me to get to a bank during my work day. I figured that it would not make all of the funds available but at least a small portion. After I got my balance, I saw that nothing was made available. I was hoping that it would be available the next day after the bank opened. What I got was an email saying that the funds would not be available for 7 days. There is now a hold on my account. I called the local office. They do not answer their phones. The only option is to leave a voicemail for a return call which I did not receive. I had to call the XXXX number. I got a representative and he had me on hold for an extremely long time then came back and said that they could not release any of the funds nor return my check. I asked to speak to a supervisor and spoke with XXXX. I told her that I needed groceries and my medications. She refused to make any of my money available nor help me get my check back so that I could take it to my other bank account in XXXX. I feel that if they want to be so highly cautious, then I should have the option to take my check elsewhere. Unfortunately I live paycheck to paycheck. Because of this extremely long hold ( in this day and age ) my internet bill, phone bill will not be paid and I will incur service restoration fees. This whole matter is going to cause me a considerable amount in fees all because they could not make a small amount of my money available to me. I know they can because my other banks do so. And again, if they can not cash my check in a reasonable time or make my funds available, then I should have my check returned to me so that a more modern bank can cash it for me. I should not be held hostage and broke due to their outdated policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: LA

Complaint narrative:
I checked my credit report and I noticed there were inquiries listed that I did not recognize. I contacted the companies, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. I must request your help in resolving this matter. In accordance with the Fair Credit. Below are the inquiries in question. 

XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. 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 XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/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 2023-08-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I opened an online high yield savings account with Sybchrony Bank. I has some issues with understanding how to do the mobile deposits. My mistake. I finally figured it out and they accepted some money. Ever since then which has been since the beginning of XXXX my account is restricted. It is supposed to be under review. I am to receive a phone call from the security department. I have called them now XXXX  times to find out when this will be fixed and each time the amount of time it will take gets longer. I called this past Wednesday XX/XX/16 he was very nice but even he stated that he didnt know why it was taking so long and he sent them a follow up request. I asked why I cant be transferred to them and he said they dont have a phone numberwhat??? I want to close this account and I want my money back and I cant do anything because of the restriction. It is my money!!! He of course conveniently didnt email me the transcript of this conversation. I am beyond frustrated.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I'm deeply disappointed by the ongoing inaccuracies in my consumer file reported by ChexSystems. I want to make it clear that my legal name is XXXX XXXX XXXX XXXX, and any variations from this name need to be removed from my file. ChexSystems currently has my name listed as XXXX XXXX XXXX and, even worse, they had it as XXXX XXXX before which is completely wrong. 

Another concern is the incorrect address they have on file, specifically XXXX XXXX XXXX XXXX. This gives the false impression that I've lived at two different addresses. To set the record straight, my correct address is XXXX XXXX XXXX XXXX XXXX, FL. I've also noticed mentions of unfamiliar banks claiming I have accounts with them, and they're using addresses like " XXXX XXXX XXXX XXXXXXXX '' ChexSystems doesn't have any record of these addresses. 

I want to clarify that I'm only addressing bank-related matters separately. This letter is specifically for ChexSystems. Dealing with this situation has been really frustrating, and I'm tired of having to keep bringing it up. I expected these issues to be resolved a month ago when I sent in my driver 's license and fixed other mistakes. I did my part, but it seems like ChexSystems hasn't done theirs.

Instead of fixing things right away, they're waiting until someone complains to correct the information. This approach puts an unnecessary burden on consumers and raises concerns about our rights.

Reporting inaccurate information isn't just disappointing, it could be against the law. I'm insisting that they immediately remove any names or addresses that don't match my driver 's license. I can provide a photo of my license to prove my residency and full name.

I want to mention that I reported this issue to the Consumer Financial Protection Bureau ( CFPB ) a month ago. Despite their intervention that fixed a previous mistake, ChexSystems is still holding onto incorrect information about me. This shows a lack of commitment on their part.

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 2023-08-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: NV

Complaint narrative:
For over 8 years this company has produced false information concerning the original date of this transaction and has threatened my credit and financial security. The latest tactics are changing the date to XX/XX/XXXX  to keep my credit in jeopardy with XXXX, XXXX and XXXX  for the amount of {$2400.00}.

Company response to consumer: Closed with explanation