vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 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: PA

Complaint narrative:
XXXX XXXX loan reported a repossession on my credit report will out my cassette nor did they write me unletter to inform me that they will put that on my credit report I asked them to remove it and they refused to They received the vehicle back as well and the insurance paid for the damages to the vehicle because it was in a hit-and-run

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 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Security review closed the account from XX/XX/XXXX until XX/XX/XXXX from this time {$150.00} in fees have posted on the account while the account account was never able to be used. Upon calling the company several years ago when they initially close the account a representative told me that these fees would be reinstated since the account was unusable, I would have to just wait until the security review was complete. On XX/XX/XXXX a deposit had been made for the amount of {$1200.00} and {$220.00}. Upon confirmation with the unemployment office, these funds were due to be disbursed to XXXX XXXX with a 1099 form confirming this. I have to pay taxes on funds that I have never had any access to and PNC Bank lied to me and told me that these funds have been returned to the unemployment office on the XXXX of XX/XX/XXXX. Upon filing a complaint with the CFPB this year, PNC responded and stated that they have actually retained these funds and did not actually send them to the unemployment office. The unemployment office has notified me several times if the account has been closed, those funds should have been sent via check and if they were sent back to, as PNC had initially stated, those funds would have been rerouted immediately due to the nature of the funds. PNC Bank has retained funds and has not explained what they plan to do with them If the unemployment agency does not reach out and ask for these funds back. These funds should have been rerouted to the unemployment agency if they were due to be paid out to another individual. Any other deposit that did not have anything to do with the security review, should have been paid as stated. The amount of {$1400.00} was due to be paid out to me with a 1099 confirming this. PNC Bank should also return the funds that were made on the account for the monthly fees totaling {$150.00} for 30 months. I was able to receive a {$600.00} stimulus payment after the account had closed and should have been able to access the {$1400.00} as well. Had I not received the 1099 in the mail this year, I wouldnt have even known those funds were there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Open Compliant - XXXX Since disputing an alleged bankruptcy being reported on my credit file by Equifax in XX/XX/XXXX, all of my information has disappeared from the Equifax website when I attempt to log in. I am no longer able to access my credit file and FICO score via the Equifax website or the Annual Report website. I review my credit very frequently since I am in the process of pre-qualifying for a mortgage. My lender indicates when trying to pull my file from Equifax he is receiving a " fraud error '' message. 

On XX/XX/XXXX, I contacted Equifax Consumer Reporting because I was unable to access my credit report online. Upon speaking with the agent and resetting my password I received an error message that requested I contact Equifax and provide them with the code XXXX. Equifax system shows that my entire credit report was blank with no information being reported. The agent informed me that due to technical issues, she was unable to assist me and that she was sending my request for immediate support, and that the issue should be resolved in 30 min to 24 hours. To date, I have submitted via fax and mailed documents proof of identity ( State Issued DL, Passport, Social Security card, and utility bills ) and Im still unable to retrieve my report or score and its impacting my ability to qualify for a mortgage loan.

When speaking with an Equifax agent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I was asked to submit documentation via a text link but the agents still refused to unlock my online account stating that my account is still with the technical team. When attempting to escalate to a supervisor or the technical team, agent XXXX indicated that they don't have any supervisors and the technical team does not accept consumer calls and there wasn't a turn around time on when my issue would be resolved. As a result, my lender is unable to obtain my credit report which is hindering my pre-qualification for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
his is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureaus. 3 credit bureaus has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : The bureau is provided by federal law to response within that statutory time limit and they still have failed to response to my letters. Therefore all items in question that have been disputed must be removed. 

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed. Please find the attached documents to assist in blocking of the erroneous information which is being posted to my report. 


XXXX XXXX XXXX Inquiry Date XX/XX/2021 XXXX XXXX XXXX Inquiry Date XX/XX/2021

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 2023-04-21 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022, my student loan checking account was hacked, and multiple transactions were placed with a foreign code reference name XXXX. One of the transactions was a XXXX transfer of {$2400.00}. I called citibank immediately once I was notified of " odd charges '' that these were not mine, and I was told they would reverse the funds back into my account and " not to worry as it was obvious this was a chain of fradulent charges. '' While the other 3 transactions were refunded, this particular, large one was not refunded. The service rep that took my information stated in the report for this particular transaction that I " okay 'd '' the transfer which is false. I appealed these three separate times and was denied even after the branch manager negated that statement. I have filed multiple complaints, which have all gone unaddressed.

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 2023-04-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This was not sent in error. All of the 8 accounts under the Dept of EducationXXXX were deleted before but why it come back again? Please investigate all those accounts and delete them immediately. The same applies for XXXX account. In total of 9 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 explanation
Consumer complaint received 2023-04-21 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I spoke with XXXX XXXX on XX/XX/2023 to discuss problems I have encountered because they mistakenly took 4 loan payments out in XXXX on the same date. We did not recover from fees and unpaid obligations. 

I asked for a loan payment waiver for two months. They said they would try to get an approval for my request since they made a mistake in XXXX. They called me back on XX/XX/2023 and said my waiver was approved. They stated that they wouldn't take money out for one month. 

On XX/XX/XXXX, they took two payments out and when I called to complain, they said that the waiver started on the XXXX XXXX XXXX. Today, on XX/XX/2023, they took out 1 payment. I called to let them know, they said that only one payment was waived. I let them know that both loans were supposed to be waived. I also let them know that I never received any documentation acknowledging the loan waiver. The agent I spoke with, XXXX, XXXX is her agent number, said that they did not send any information. 

I had known that only one loan was waived, I could've tried to prepare for it. They never sent any information to me. Their actions are reckless and predatory. Their mismanagement of my loans have caused me tremendous financial devastation. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Around the beginning to mid XX/XX/2023 I received a letter from Harris & Harris Limited. Its an attempt to collect a debt they claim I owed to XXXXXXXX XXXX  in the amount of {$89.00}. There is no date on the letter. The letter states that if I dispute it I have to contact all kinds of people and jump through all kinds of hoops. I dont have to prove anything. If they claim I owe the debt they need to prove it not me. I am not jumping through any of their hoops because I know for 100 % positive I do not owe XXXX XXXX any money. I have a good relationship with them and I have a XXXX balance I havent even been to their office in several years. 
When I tried to contact Harris and Harris and advised them that it was fraud, they hung up on me. I called back again and notified them that I was filing complaint and they hung up on me again. Nothing on their letter is accurate or true with the exception of my name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: AZ

Complaint narrative:
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all.

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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all.

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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I wrote to Equifax requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On Thursday XX/XX/XXXX I called Bank of America to close my checking account, which had approximately {$1400.00} remaining in it. 


On the phone I was told that my options to settle the funds out of the account included ACH transfer for a {$3.00} fee that would take up to 3 business days. Unhappy with the fee proposed to close my account, I asked for an alternative settlement option. I was told that a Cashier 's Check could be mailed out to me without incurring a fee. I was told the Cashier 's Check would be mailed in 2 business days. I accepted this option as I did not want a fee, and the 2 business days was an acceptable timeframe for me. 

Today, Friday XX/XX/XXXX, having not received the cashier 's check yet via mail, I called into Bank of America to inquire if there was a tracking number they could provide for the Cashier 's Check. I was told by the first representative I spoke with that the Cashier 's Checks take roughly 2 weeks to arrive. When I told her that the previous agent on Thursday XX/XX/XXXX had confirmed a 2-business day lead time, the representative said that was incorrect.

I was transferred to the department that handles the issuance of these checks and they told me that they have no way to track the checks, and do not even have a confirmation in their system of whether or not the check was indeed sent out. She recommended that I continue waiting at least 10 business days from the date the account officially closed ( Mon. XX/XX/XXXX ). If the check has not arrived, then I can request a new Cashier 's Check, which will take 7-10 business days from that point.

This is entirely unacceptable from a major banking institution. They should 1. offer no-cost ACH transfers when closing accounts. or 2. Have actual controls and tracking system in place for checks that are mailed.

Having been told completely incorrect information that determined my decision to use Cashier 's Check, I have little confidence that the check will arrive in a timely manner now. I have no ability to view the status of the check. Bank of America is making it difficult and untimely to access my own money.

The first agent I spoke with today said she always recommends customers use transfers when closing out their accounts to avoid this type of issue, however they charge a fee to do so. This seems like a sketchy at best business practice and one that should be scrutinized by the CFPB. Bank of America does a considerable amount of harm to the working class in this country through their fee structure and ridiculously low interest rates for deposits ( being the key reasons I sought an alternative banking partner ).

While Americans do have freedom of choice to change banking partners, they should not be penalized for deciding to change.

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 2023-04-21 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: IN

Complaint narrative:
Wisely Card : I got an alert at XXXX stating that my balance was {$5000.00} short of what it should be. When I looked there was a charge from some concrete place from Florida ( I live in Indiana ) that was fraudulent. I called immediately to report. This is on a wisely card that my pay goes on automatic every week. I cant get the company to do anything, I am out XXXX and they are basically acting like they wont fix it. Its clearly fraud, if you look up company online its a fake website and number. I dont know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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:
Dear Consumer Disputes : I have reviewed my Equifax credit report ( XXXX ) and have found inaccuracies. My personal information including social security number, name, and address was leaked to the dark web by the Equifax data breach. These inaccuracies are highly injurious to my credit. I am a victim of identity theft, so I have taken the steps of resolving this issue by filing a complaint with the listed creditors, Federal Trade Commission and Consumer Financial Protection Bureau. 

Fraudulent Accounts : XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amount {$1600.00} XXXX XXXX XXXX XXXX  Acct XXXX XXXX Opened XX/XX/XXXX Amount {$1000.00} Fraudulent Inquires : N/A Fraudulent Personal Information : Jobs : XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
I received a bill from XXXX for internet services for my old apartment over a month after I had moved out and transferred service on XX/XX/2023. I contacted XXXX customer service to find out what the bill was for, and was informed that it was for dates of service after I had moved out. They said it had been billed in error after I had moved and the account was not closed, but they would close the old account and the bill was in error. I then received another bill in XXXX and contacted customer service again, and they again said this was a billing error and I did not owe money. I have included screenshots of one of my chats with customer service. I was told the matter would be resolved in 3-4 business days and never heard anything else. Then, at the beginning of XXXX, I received a collections notice for the bill. I filed a complaint with the Washington State Attorney General and was contacted by XXXX customer relations. They said the bill was actually from services in XXXX and that I still owed it. I told them I did not receive any bill for this amount in XXXX or XXXX, and it was probably not forwarded from my old address if it was sent at all. There was no apology or offer to resolve the matter. I said I would pay the bill now that it had been explained, but they needed to cancel the collections because it was sent in error since I was told multiple times by their customer service agents that I did not owe the money. They refused to cancel the collections on me, despite repeated requests and the fact that it was their fault, not mine. I have never missed a bill or been sent to collections on anything, and do not deserve to have my credit destroyed because of XXXX 's negligence.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian shows a lack of credit history when applying for credit. This is incorrect for the other two XXXX and XXXX show a credit score via XXXX XXXX over the last two years! 
My credit history includes the XXXXXXXX XXXX XXXX account, which opened around XX/XX/XXXX and closed on XX/XX/XXXX, for over {$6000.00} Current revolving XXXX XXXXXXXX XXXX XXXX XXXXXXXX since XX/XX/XXXX, with a credit limit of {$7800.00}. 
I attempted to open a charge account at XXXX XXXX and was " denied. '' I received a response from Experian stating that I do not have a credit history!

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