vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

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 2021-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I used to have XXXX XXXXXXXX. This year this bank was sold to BBVA, who was then sold to PNC. Each time the software has gotten worse. The app has none of the budgeting features of XXXX XXXX. If you've ever changed over a checking account you know how much time this takes. 

The PNC app has none of the functionality of the XXXX XXXXXXXX app, it is far uglier and it shows me ads. It doesn't even accept mobile deposits. 

I have been trying to deposit my State of XXXX XXXX XXXXXXXX Stimulus check, but PNC will not accept a mobile deposit for my XXXX XXXX Stimulus check. They could have told me this, but instead they gave me an error message " XXXX XXXX  Deposit Not Available at this Time ''. Last week I contacted customer service several times through their app, then got a " callback '' that rang for an hour each time. When I finally got a hold of someone on Monday morning ( A week after I have been complaining ), the first call was hung up on after XXXX minutes on hold. The second call was when I was informed that they do not accept mobile deposits from the State of XXXX. I talked to a supervisor named XXXX XXXX, who was absolutely unhelpful. 

Each time my bank has been sold this year I have spent the hours it takes to transfer over my accounts, and now I don't have any of the software that works. PNC bank does not pick up the phone to deal with customer service problems even. 

PNC bank should never have been allowed to purchase BBVA or XXXX XXXXXXXX. I believe this XXXX  is dangerously under-capitalized. It has over-extended itself with merger after merger, and is going to go under at any moment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-29 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As of today XX/XX/2021 i still am not able to get a copy of my credit report from transunion. i have been using the XXXX XXXX XXXX option and been getting my free reports each week. but now all the sudden transunion is saying that i submitted a dispute on XXXX which i dont recall and that since the dispute is in progress that i cannnot access a new credit report or any credit report until the dispute is completed which is obviously XXXX days. thats not right i have never heard of that nor has any othe credit bureaus dont that. so then u obviously dont get access to your report once a week. the last tyime i requested a report was 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 non-monetary relief
Consumer complaint received 2021-11-29 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: NC

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-11-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

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 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021 there were XXXX unauthorized transactions to XXXX XXXX XXXX from my account ( Account No XXXX, {$8300.00} ) and from my family joint account ( Account No ***********, {$3000.00} ). 

On XX/XX/2021, I filed a claim ( Claim No : XXXX ) by calling Citibank to dispute the unauthorized transaction on XX/XX/2021 and requested to block any transaction from my account to XXXXXXXX XXXX  XXXX. At the same time I requested to close the account to prevent future unauthorized transactions. I was told that my account was disabled and a new ATM card would be mailed to me. 

I have been calling Citibank numerous times to request Citibank to do a thorough investigation. I mailed XXXX times documents per Citibank request. However, Citibank never did a thorough investigation, instead, Citibank denied my claims and appeals by " Our records show that you have consistently paid by means of Citibank 's Bill Payment Service and used an established device for the bill payment ''. 

I requested Citibank to provide the documents that were used for investigation such as the " established devices '', " consistently paid ''. Citibank never provided them. 

As a Citibank customer I am very disappointed with Citibank 's service and security : XXXX. The IP address used to make these transactions are not my computer IP address. I only use my computer to do online banking. Which clearly shows that it is not me that made these transactions. Citibank couldn't alert the unrecognized device. 
XXXX. There was an unrecognized phone number on my checking account contact information. Apparently someone else accessed my account and edited the contact information and add XXXX XXXX XXXX as Payee. Citibank online banking platform is not secure which put all Citibank customers on risk. 
XXXX. Why Citibank couldn't prevent the further fraud after I reported the first fraud? 
XXXX. There was never any payment to XXXX XXXX XXXX before XX/XX/2021 which disputes Citibank 's " consistently paid ''. 

Therefore, I filed this complaint to urge Citibank to take action to protect customer 's financial security.

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 2021-11-29 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:
My Credit Union, XXXX XXXX XXXX XXXX XXXX, merged with XXXX XXXX XXXX XXXX XXXX. All of my accounts/credit card/loans transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A Credit Card for XXXX XXXX still shows up on my credit report, as well as the converted credit card for XXXX XXXX. Therefore, I have XXXX credit cards showing on my credit report, whereas I only have XXXX ( with XXXX XXXX ). XXXX XXXX sent a letter to the credit agencies to take the XXXX XXXX credit card off of my credit report. I received a letter from XXXX XXXX stating that their records indicate that my accounts are only reporting once, however, I just looked at my credit reports and both accounts are there for the same card ( XXXX on XXXX XXXX and the other on XXXX XXXX ). The issue is that I've paid off my XXXX XXXX Credit Card, but my XXXX XXXX Credit Card is showing a high balance. 

I'm in the market for a home loan and this is a problem. My home is supposed to close at the end of XXXX. 

I've tried to dispute it online, but every time I click on the link, XXXX XXXX XXXX, I get an error message and it won't let me do the dispute. I'm seeing the information, my lender is seeing the information, XXXX XXXX is saying that they are only rporting the XXXX credit card, and XXXX XXXX XXXX XXXX XXXX XXXX is out of business ( as of XX/XX/XXXX when they merged ). 

What do I do? 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information are still found on my Credit Reports which I believe it has been taken care of by Transunion Credit Bureau due to the written appeals I sent last XX/XX/XXXX. Thus, Transunion Credit Bureau has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of inaccurate information are not authorized. Here are the concerned inquiries : XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date XXXX inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
There was a bunch of fraud on my chase account. I lost my debit card and someone tried to deposit a counterfeit XXXX $ check. The check never cleared. In the meantime they managed to XXXX XXXX $ out of my money that I had on the account already. My account is restricted now its the holidays I cant spend and cash or withdraw any money. My claim number for the XXXX  transactions is XXXX. Also I contacted the executive office and my case number with them is XXXX. My account is totally frozen and I cant spend any cash

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with 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 non-monetary relief
Consumer complaint received 2021-11-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: NC

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As a XXXX  who just got is social security this XX/XX/2021 I was taking advantage of by some of this companies and most of them where actually more of like a deceit pulling hard enquiries where they indicated that it wont affect my credit but ended up been a hard pull and some I didnt even give my information. In such a short period of time how could I possibly have all this hard enquiries it dont even make no sense They are as follows with dates and descriptions : XXXX. XXXX Bank XX/XX/XXXX. Was suppose to be a soft pull to check if I prequalified and instead they ran an hard pull. 
XXXX. XXXX XXXX XXXXXXXX XX/XX/2021. This I have no idea of I remembered shopping from XXXX on that day if that was how they got my info I dont have a clue but I didnt request nothing from them XXXX. XXXX XXXXXX/XX/2021 This I have no idea of in its total entirety I dont know them XXXX. XXXX XX/XX/2021 Yes am an XXXX shopper but I requested nothing that has to do with credit from totally disputing this too. 
XXXX. XXXX XX/XX/2021Yes I have shopped in XXXX couple of times but I never requested no credit card to warrant this please am disputing that. 
XXXX And last XXXX XXXX BANK XX/XX/XXXX and XX/XX/ respectively. I did apply for a credit card from them but they never replied back either I was approved or unapproved so why would I have a double hard pull on my credit at those XXXX separate dates thats totally unofficial as I wasnt even approved so even if there should be a hard pull from XXXX it should one out of me been sincere.

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 2021-11-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I bought a XXXX treadmill through XXXX XXXX which is TD Bank. I was to pay a fixed amount each month for XXXX  months. I did that and have my bank records to show that. TD Bank claims I was late XXXX time the continued to charge me late fees on top of late fees. I was never late. Now this is when COVID was causing problems with mail delivery. I don't know if that was the cause or not. 

The late fees are creating a credit reporting issue for me. I have never been late on a payment. EVER. I have tried several time to get TD Bank to correct this problem and all they say is to pay the {$340.00} in late fees. 

I need help fixing this. It is a scam. No interest for XXXX  months and they hit you with late fee. It is a scam, Payment history per my XXXX XXXX XXXX XXXX records : XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$210.00} final payment balance per TD bank statement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I tried to withdraw {$5000.00} of my money on XX/XX/2021 from my Binance.US account to my bank account and I got a message that said " Withdraws Suspended Due To Risk Management. '' I have done absolutely nothing wrong for them to suspend my withdrawls. According to the website, withdraw suspensions are enabled usually when there has been a chargeback issue. I have had my account for several months and have never had any issue whatsoever. I had sent a support ticket immediately that same day and contacted support thru XXXX and have gotten one email back on XX/XX/2021 saying that they will forward my issue to the correct department, but no resolution. I was depending on this money to get me through the month and had no reason to believe it would be withheld from me. I have endured sleepless nights and am sick from stress wondering how long this can take. I need someone to help and no phone support.

Company response to consumer: Closed with explanation