vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I disputed an unrecognized credit transaction on my personal credit card. The fund that was charged got refunded to my card. The amount was {$9.00}. But my credit score went down by XXXX points. Will you guys please open up an investigation to check why my credit score went down by XXXX points between XXXX and XXXX? I'm never late on any credit and loan payments. Is the credit dispute related to my credit drop? Please restore my credit back to what it was before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX I discovered {$630.00} of fraud charges on my credit card and contacted my credit card Fifth Third Bank. They closed that credit card and issued a new credit card. 

XX/XX/XXXX I received a letter from Fifth Third Bank Dispute Resolution XXXX XXXX XXXX XXXX, GA XXXX stating they have initiated an investigation and have requested information from the merchant and I would be notified when matter resolved. 

I was never contacted and called them at XXXX on XX/XX/XXXX, XX/XX/XXXX ( was told it would be corrected in 2 days ) called back in 2 days on XX/XX/XXXX not resolved. Told to call back in 3 days. Called on XXXX resolved and would not give me details of dispute. Called again on XX/XX/XXXX, XX/XX/XXXX. I can not get answers and informed Fifth Third they have exceeded the allowed 60 days. 

on XX/XX/XXXX, {$630.00} of fraud charges that were transferred to new credit card were credited then they put {$550.00} of the fraud charges on the old credit card. I called them and they stated they closed the previous case due to time restraints and opened a new case. WHAT-is that legal! I have read the Fair Credit Act law and it clearly stated they have 60 days to resolve. 

XX/XX/XXXX, I called them with no return call. it has been almost 90 days and no resolution and they have been very rude. Fifth Third customer service is horrible. 

Is this how they valued a 25 years+ customer!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX Account Total : {$40.00} Account Name : XXXX XXXX XXXX XXXX Account Total : {$40.00} **DUPLICATED INCORRECT** 15 USC 1681 Section 602 A States i have the right to privacy 15 USC 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 account without my instruction This is wrong i have been trying and do not get a response or proof for the last 4 months, this is hurting me wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: AZ

Complaint narrative:
XXXX : I found a XXXX Gift Card in my XXXX XXXX XXXX ( XXXX XXXX ) things. The person who purchased the card had written {$150.00} on the cardholder ( it was unopened and unused ) I called XXXX ( XXXX XXXX ) to confirm the amount. I was told because my son was deceased I had to send them my authorization to use it. No problem. I sent them the court docs ( along with my ID ) which gave me the authority to act as XXXX Representative for my son 's estate. They told me it would be XXXX - XXXX weeks before they reactivated the card. 
XX/XX/XXXX : They could not find my file but when they did they told me it would be XXXX XXXX XXXX days and I would receive an email saying everything was clear XX/XX/XXXX : They told me it would be XXXX XXXX XXXX days and I would hear. They also told me to email customer service at XXXX XXXX and they would take care of it. 
XX/XX/XXXX : I emailed XXXX XXXX with no response XXXX : XXXX I emailed XXXX XXXX with no response Case # XXXX Last XXXX or the Gift Card : XXXX Exp. XX/XX/27 XX/XX/XXXX : No response from anyone I will call them again today. I do not anticipate any results. I am tired of the run-around. 
XX/XX/XXXX : Now they say they do not have any of the required information and I need to start over. Here is what I received : ( which was done and verified as complete in XXXX ) To continue with the process we recommend to mail the next information at Customer Service XXXX. XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

- XXXX XXXX indicating the caller 's relationship to the deceased cardholder and why they are requesting the refund check - An original certified copy of the death certificate of the registered cardholder - A certified copy of letters testamentary or power of attorney, indicating the person is authorized to act on behalf of the estate of the deceased cardholder

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The following addresses are being report as new address that have but arent my address and I never used these addresses. I was told that Citibank provided those addresses as my new address. I dont know if anyone obtaining credit cards or any other fraudulent account at those addresses. 

Alert date : XX/XX/XXXX XXXX XXXX XXXX, XXXX, NY XXXX Alert date : XX/XX/XXXX XXXX XXXX XXXX, XXXX, NY 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 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
There was a charge on my card I did not make, I called and disputed it immediately, and they replaced the card and eventually it was taken off and I received a letter to call and speak with someone about it, I tried calling multiple times over and over and all I could do was leave this person a message and never received a call back from him, then just like that they put the charge back on my card, I immediately locked the card, I have not used it at all since the fraud happened it has been in a safe locked up, I called again and the lady I spook with said I would be responsible for the charge I did not make and would have to pay it. I told her to deactivate my card and cancel the account with no avail, it still did not happen. This company will not help you at all with fraud or cancelling an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
I requested a refund of COVID payments on XX/XX/2022. When can I expect the refunded payments to arrive? Is there anyone that can provide a specific estimate instead of a general 120 day estimate? 

This is a significant amount of money and I am concerned at how little information is provided about the refund process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/XXXX claiming to be a representative for US banks fraud department called and actually called from US Bank frauds number and asked if I had a charge out of state I said no they proceeded to take me through XXXX supposedly to give me back my money but instead they took it out of my account. XXXX and then XXXX and then XXXX. XXXX was taken out of my savings account when what I thought they were doing was getting my money back as they stated. They did this using XXXX which I had never used before.I sent in the proper requirements so they can investigate and refund my money. They sent a letter stating that they were not going to refund my money. My local bank manager again sent them a letter stating this is fraudulent and please investigate again they again sent me a letter saying they will not be refunding my money back. My problem is someone called representing US Bank and the number they are calling from is US banks fraud dept phone number. XXXX is part of us banks company. I have looked into this and I am not the only one this is happened to .There are four different banks using XXXX and this has happened to customers using these banks by going through XXXX XXXX I hope this can be resolved thank you for the time it takes to read this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Some one use my identity to file employment and was getting the funds in my name for a XXXX  with out my knowledge nor consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
there are company that reenter bill that was in bankruptcy XX/XX/2017 discharge. add amount to it and my score down now. bill that was paid off in negative. car that was repossess, change collector name and put back in my report. out of work because of pandemic and they add all these late charge to my account credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 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:
Based on the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX  Account # XXXX has violated my consumer rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ragan & Ragan, PC
State: GA

Complaint narrative:
I contacted the company in regards to a notice I received pertaining to legal action from a debt. The lawyer that answered was abusive and very rude in speaking with me, so I asked to speak to someone else and he slammed the phone in my face. I now do not feel comfortable contacting this company again due to this experience and the abusive nature they are known for based on XXXX reviews. I tried calling XXXX XXXX XXXX, however, since the debt had been sold they could not assist me. This may result in adverse actions towards me as I do not have anyone else to contact to learn more about the debt notice and options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
On XX/XX/2022, I, the consumer entered into XXXX XXXX XXXX to purchase a XXXX XXXX XXXX on credit via my credit card ( 15 USC 1602 ( l ) ). I, the consumer initiated a credit application with XXXX XXXX, to purchase the XXXX. My consumer credit was ran by TOYOTA FINANCIAL SERVICES, in which they denied me, the consumer for an extension of credit. TOYOTA is in violation of the ECOA and TILA. Any adverse action taken against the consumer is unlawful. TILA states it is unauthorized use of a credit card when the cardholder receives no benefit. 15 USC 1691 makes is clear when it said " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. '' Consumer was discriminated against when TOYOTA financial services denied consumer the RIGHT to extend credit, when I, the consumer, acted in good faith exercised my rights. TILA defines credit as a right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX Account Total : {$40.00} Account Name : XXXX XXXX XXXX XXXX Account Total : {$40.00} **DUPLICATED INCORRECT** 15 USC 1681 Section 602 A States i have the right to privacy 15 USC 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 account without my instruction This is wrong i have been trying and do not get a response or proof for the last 4 months, this is hurting me wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX Account Total : {$40.00} Account Name : XXXX XXXX XXXX XXXX Account Total : {$40.00} **DUPLICATED INCORRECT** 15 USC 1681 Section 602 A States i have the right to privacy 15 USC 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 account without my instruction This is wrong i have been trying and do not get a response or proof for the last 4 months, this is hurting me wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2022 I sent the credit bureaus ( XXXX, XXXX XXXX Equifax ) a letter of investigation, to conduct and verify everything on my credit report is 100 % accurate on my credit report. Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX The credit bureaus stated that my accounts are property investigated, but how is that possible if the open dates are inaccurate, the dates last active are inaccurate, and the dates last reported are inaccurate. This is ground for removal as they also violated my rights under. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 USC 1681 section 602 A. States that I have the right to privacy According to : 15 USC 1681 Section 604 A Section 2 : It states that a consumer agency can not furnish a account without my written instructions. According to : 15 USC 1681s-2 ( A ) ( 1 ). States that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/2022, when trying to resume the payments with Wells Fargo for my mortgage on the phone in two days, they found their way to offend me again. I was told to use this number XXXX for information on Wavier for taxes which are due at the end of the month of XXXX. They told me and gave me a fax number and email to send a document for a tax waiver when I sent it. They sent an email not to use it. I call the same number the next day the person on the line could tell me if anything was received. My problem is they are dropping calls, and not confirming received documents that were sent, and with the number of customers they deal with, plus when they cut off my email in their system there is no way to voice my concerns, this leads to harassing behavior. The information that is given from that number is too wide ( from just using this fax number to we don't handle that not my department )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SLM CORPORATION
State: MS

Complaint narrative:
Sallie Mae keeps calling me about a debt owed by XXXX XXXX. I have called them on several occasions and asked them to remove my number and they keep calling me. 
I called them on the following dates to ask them to remove my number : XXXX XXXX XXXX XXXX XXXX XXXX There were some other times before XXXX. 
I need them to stop calling me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Loan modification was to be completed XX/XX/2021. Company put incorrect interest rate. restarted modification. Loan was sold to a new party. Loan modification not completed. Credit report was hit as they moved all my payments to a separate loan for the new loan.

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