vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AL

Complaint narrative:
On XX/XX/2021, my ex-husband XXXX XXXX purchase a personal money order for alimony payment for me. The amount of the money order was {$550.00} and the money order number was XXXX purchased at XXXX XXXX XXXX. I received the money order on XX/XX/2021. I promptly took it to my personal bank which is PNC in XXXX Alabama. I just deposited the money into my account and received a {$10.00} withdrawal from that {$550.00}. In XXXX the first part of XXXX, the {$550.00} money order was wiped from my account from PNC Bank in XXXX Alabama. I have yet to get reason for this transaction. I have talked to both PNC Bank and XXXX XXXX XXXX about this issue. XXXX XXXX XXXX is shows me that the money order was purchased on XX/XX/2021. It was only deposited once and to my account at PNC Bank I have the deposit slip on that but I can not screenshot it because of the website but I do have a copy of the money order front and back with sequence numbers. XXXX XXXX XXXX is stating that they did nothing wrong and I have received several money orders in the past year once a month for alimony from XXXX XXXX XXXX. PNC Bank is opening an investigation because I asked them to on XX/XX/2021 and they then closed the issue out with their corporate on that same day XX/XX/2021. I understand that {$550.00} is not a lot to people but it is a lot to somebody that uses it for food, gas, car payment, bills or rent. My account is negative {$22.00} and change right now because of this situation and I am past due on XXXX different bills. XXXX XXXX nor my bank PNC are trying to help me I need to find out what's going on. Like I said they closed the case in XXXX day and not let me even know that they did that I had to find that out the hard way with PNC Bank. There's no reason why this money order XXXX, should be bad it was only cash one time from me and then you know they return back to the original place where they were purchased I talked to XXXX XXXX at XXXX XXXX XXXX she said it was only cash one time that was by me and she doesn't know why PNC is doing what they're doing. I talked to XXXX XXXX at PNC Bank try to make an appointment with her and she cancelled tue appointment then told me she was sending this to an " escalator team '' with PNC bank. She failed to give me any information on how to contact this team ( I will show the correspondence emails I have between these financial institutions and myself. Can you please help me in this matter soon so I don't lose my vehicle and so my credit score won't be sacrificed any more than it has been. 

I need this money. My ex-husband worked hard for it and so did I. My ex husband has XXXX XXXX and I have XXXX XXXX  XXXX ( which keeps me on a fixed income ). He nor I did anything wrong with this transaction but someone did. No one is wanting to fix this. 

Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I deposited a check from my mortgage that came in my husbands name into my account XX/XX/2020. The check was cash and deposited into my account. But I was advised that my account was frozen since the the check was in my husband name. Tried to get the check reissued and mortgage bank told me it was cashed. Now I filled out a paper my husband notarized and signed saying he agreed with it and I am still being given the run around and still want me to do more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX : I opened a Regulation E claim with US Bank regarding a XXXX XXXX transaction the receiver did not receive. 

I waited 10 business days in order to receive written confirmation of my claim. I never received any written communication. 

I also waited for provisional credit since a resolution was not provided within the initial 10 business day period. I never received provisional credit. 

XX/XX/ : I called US bank and was transferred to a total of 4 people before being told that they could not assist me as the money was processed. I expressed again that the recipient did not receive the funds and asked where is the confirmation from XXXX XXXX confirming receipt. I was again told that they could not help me and to call XXXX. I spoke to XXXX at XXXX who confirmed that the claim should be processed by the originating XXXX Partner US Bank, not the receiving partner 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 2021-04-29 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: DISCOVER BANK
State: TX

Complaint narrative:
I tried to dispute several items /things on my credit report such as in-accurate personal information-I tried to update my personal information with XXXX  online but no such change was made it continues to no change, these item are hurting my credit report not allowing me to fix my credit information/report. 
is /if there is a solution i would like some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I tried to dispute several items /things on my credit report such as in-accurate personal information-I tried to update my personal information with XXXX  online but no such change was made it continues to no change, these item are hurting my credit report not allowing me to fix my credit information/report. 
is /if there is a solution i would like some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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:
Disputed information with Experian several times and still has incorrect info. Unfrozen credit file even after 2 letters for deletion.

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 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NM

Complaint narrative:
Lexis Nexus refuses to correct the information they somehow connected to me. i have tried numerous time since 2009 to correct my credeit reports. the 3 agencies have fixed all the errors but LN has never responded and I am having problems again. And these companies use LN. I have presented my credit reports to banks, credit unions and card companies but they use Lexis Nexis and they are wrong but will not correct the records. Because of them my identity has been stolen twice. I filed bankruptcy both times but LN is at it again. Because of them i am paying very high credit rates. Because of them i can not bank online because the credit union uses LN. I am not sure why or how they stay in business but when it comes tome to vote to no longer allow the credit agencies to be used i will vote them out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NETWORK CAPITAL FUNDING CORP
State: CA

Complaint narrative:
This complaint is about closing on a mortgage with Network Capital Funding. We had closed our Refinance Contract on XX/XX/XXXX with a Notary. Later, to find out that the interest rate lock had expired on the Conventional Mortgage Loan on XXXX XXXX. At that time we were asked to except another loan contract with a higher rate and cost. Over time, we decided not to except another offer, we wanted the same mortgage that were signed on XX/XX/XXXX. In XXXX on XXXX XXXX, I informed our Loan Offier, XXXX XXXX XXXX, our property tax for XXXX XXXX in XXXX, CA. was Not paid per our Escrow Contract at the closing of the loan. XXXX had our {$4100.00} personal check since XX/XX/XXXX, 2. On XX/XX/XXXX, we had to send a Cashier 's Check in that amount with one missing disclosure, and a updated copy of XXXX XXXX Banking Account Statement which were sent by XXXX. We were Not informed that they were not paying our property taxes. So, we paid our taxes so there would not be a penalty against us. XXXX sent a Cashier 's Check for our property to us on XX/XX/XXXX. This was a default of our contract and very disappointed in the process of this loan. The rental property was the property that we wanted to refi first and the Loan Officer, " said that we would get a cheaper loan if we refi our home also. '' But our loan was denied as we were afraid, it was a scam or a fraud. Which the loan officer assured us this was not a fraud but a company with good standing. Network Capital Funding have Advertisements over the radio in my area. 


denied the loan

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 2021-04-29 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: GA

Complaint narrative:
XXXX is reporting derogatory information on my credit commercial file that does not belong to me and said that they are not regulated by anyone because they are different from other bureaus, but they just report anything on your file without any questions, I never purchased a commercial truck for XXXX dollars so how can someone report that to my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I deposited my economics stimulus check for {$850.00} via online app with Chase bank on XXXX XXXX, I called the bank XXXX to be told a 10 day hold was placed on the check for fund to be verified. The funds would not be available in my account until XXXX for a US Treasury issued check mailed to me. They stated the US Treasury flagged the check for funds to verified. I called the US Treasury at XXXX XXXX option XXXX whom stated they do not flag US Treasury checks, that its the bank. She confirmed that check paid out on XXXX. I contact Chase bank check-hold department again gave them the information and they still refused to investigate and release funds. 
I sat on how for hours at a time trying to get them to understand I needs my funds, I has {$26.00} dollars in my account and no one at Chase bank cared, nor that I HAD been a customer since XXXX, and I couldn't get a penny of a US Treasury issued check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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:
TRANSUNION, XXXX, XXXX  ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THIS ACCOUNT ON MY CREDIT REPORT! 

NO CONSENT IS IDENTITY THEFT! 

I NEVER DID ANY BUSINESS WITH THIS COMPANY / COLLECTION AGENCY WHICH THEY HAVE NO RIGHT REPORTING HARMFUL INFORMATION ON 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 2021-04-29 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:
XXXX, EQUIFAX, XXXX  ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THIS ACCOUNT ON MY CREDIT REPORT! 

NO CONSENT IS IDENTITY THEFT! 

I NEVER DID ANY BUSINESS WITH THIS COMPANY / COLLECTION AGENCY WHICH THEY HAVE NO RIGHT REPORTING HARMFUL INFORMATION ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
My account with First National Bank of Omaha became delinquent on late XXXX and was closed on XXXX XXXX. I since called and settled with them. 
While I was approaching seven years, they changed the closing date to XX/XX/XXXX, and now to XX/XX/XXXX. 
This morning I woke up to see that my close account has been reported late for the past 18 months. 
I called to report the issue, the representative decided to yell at me and hang up on me. 
Not only this is inaccurate, it is hurting my credit. I am asking that they send a deletion letter to all the reporting bureaus to make this right as soon as possible.

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 2021-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/21, I stayed at the XXXX XXXX in XXXX, Oklahoma for two nights. On XX/XX/21 my Citi XXXX XXXX  was charged {$290.00} for the stay. In addition to my card being charged, I have had a hold on my credit card for {$350.00} since XX/XX/21. I called XXXX XXXX and they said they released the funds on their end and even checked to see if my card was double charged and they determined it was not. This hold of {$350.00} is going to prevent some of my regular monthly charges from going through on XX/XX/21 and will cause me to incur late fees. 

I called Citi and spoke with a Supervisor and they said they can not do anything about it and the hold will roll off in a month. They stated this is how they handle a lot of hotel vendors. I then tried to increase my credit line to cover the hold and they declined the credit card increase and did not provide a reason. Citi is gauging their customers once again. Do not get this credit card or a XXXX Membership!.

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 2021-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Tuesday XX/XX/21 I got a check from selling an item. They over paid - I deposited the check and XXXX the difference of the over payment to the person. Then the check bounced back- and the bank said that the account was fraudulent and closed and thats why it came back to me. At this point- they told me nothing they can do about it, since I sent the money. The check was for XXXX $ and they only owed me XXXX XXXX 
So my kindness got taken. And my account got hit. 
Dress was shipped by XXXX : XXXX and will be delivered by XXXX if on time. 
So you already got my money and a dress

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On or around the week of XX/XX/XXXX, I received an alert that one of my accounts were closed. XX/XX/XXXX, I called my financial institution, XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX Texas, to inquire. I was told that all my accounts were open. I checked my credit report again, the information stated my credit card account was closed. Again on XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX XXXX, and spoke with XXXX. I informed XXXX my account show closed on my credit report. XXXX stated because I requested the {$2.00} be removed from my credit report, the only way she could remove the {$2.00} was to report my credit card account as closed. I informed XXXX it was illegal to report an open account as closed to the credit bureau. XXXX, asked me what do I want her to do? I informed XXXX she needed to fix and correct the FALSE information she reported. I further told XXXX the information needed to be corrected and updated by the close of business, XX/XX/XXXX. XXXX, advised she would contact the credit bureaus and report the correct information. 

Later on XX/XX/XXXX, XXXX contacted me to inform she contacted the credit bureaus and reported the correct information ; my my credit card account was open, with a XXXX balance. I called XXXX back, and asked the date she reported the account was opened? XXXX, stated XX/XX/XXXX. XXXX, further stated to give 48 hours for the update to take place. Important to note, I also disputed the information with XXXX and XXXX. 

I checked my report on XX/XX/XXXX, on both XXXX and XXXX  my credit account still noted closed. At this time I received results from XXXX stating, " disputed information correct ''. On XX/XX/XXXX, I disputed the information. 

On or around XXXX XXXX, I received a result from XXXX, again stating, " disputed information correct ''. Disputed the information again, however, I attached my bank statements showing my account was not closed. To date, I have not received a response. 

In addition to the above, I also disputed the information with XXXX  ; to date no response. 

As a redult of XXXX XXXX reporting false information my credit score decreased. 
XXXX XXXX needs to be prosecuted for falsely reporting 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 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On or around the week of XX/XX/XXXX, I received an alert that one of my accounts were closed. XX/XX/XXXX, I called my financial institution, XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX Texas, to inquire. I was told that all my accounts were open. I checked my credit report again, the information stated my credit card account was closed. Again on XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX XXXX, and spoke with XXXX. I informed XXXX my account show closed on my credit report. XXXX stated because I requested the {$2.00} be removed from my credit report, the only way she could remove the {$2.00} was to report my credit card account as closed. I informed XXXX it was illegal to report an open account as closed to the credit bureau. XXXX, asked me what do I want her to do? I informed XXXX she needed to fix and correct the FALSE information she reported. I further told XXXX the information needed to be corrected and updated by the close of business, XX/XX/XXXX. XXXX, advised she would contact the credit bureaus and report the correct information. 

Later on XX/XX/XXXX, XXXX contacted me to inform she contacted the credit bureaus and reported the correct information ; my my credit card account was open, with a zero balance. I called XXXX back, and asked the date she reported the account was opened? XXXX, stated XX/XX/XXXX. XXXX, further stated to give 48 hours for the update to take place. Important to note, I also disputed the information with XXXX  and Equifax. 

I checked my report on XX/XX/XXXX, on both XXXX and Equifax my credit account still noted closed. At this time I received results from XXXX  stating, " disputed information correct ''. On XX/XX/XXXX, I disputed the information. 

On or around XXXX XXXX, I received a result from XXXX, again stating, " disputed information correct ''. Disputed the information again, however, I attached my bank statements showing my account was not closed. To date, I have not received a response. 

In addition to the above, I also disputed the information with Equifax ; to date no response. 

As a redult of XXXX XXXX reporting false information my credit score decreased. 
XXXX XXXX needs to be prosecuted for falsely reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orion Portfolio Services, LLC
State: CA

Complaint narrative:
Hello there is a company, XXXX that is requesting payment for two charges. One is for XXXX XXXX in the amount of {$610.00} and the other is for Orion Portfolio Services , LLC ( XXXX XXXX ) in the amount of {$400.00}. I was the victim of identity theft in 2008, when my ID was either lost or stolen. Someone obtain my ID and wrote fraudulent checks under my name. At the time the checks were written, my ID had expired and both companies still accepted the checks without a valid ID. Almost 13 years later, I'm receiving collection emails for a debt that was a result of identity theft. I want this company to stop reaching out to me asking for money. I have worked really hard to keep my credit excellent and I don't want anything on my credit report to tarnish my name. XXXX and Orion Portfolio Services LLC should be ashamed of themselves for going after someone that has been victimized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation