vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-20 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: VA

Complaint narrative:
I was notified of account being closed on around end of XXXX of XXXX. Was told that the funds would be returned after 60 days of account being closed. It has now been over 100 days. I spoke with bank representatives but no one would tell me when the funds would be return to me.

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 2021-12-20 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: PA

Complaint narrative:
I was reviewing my credit, and I noticed some companies listed that Ive never did any business with. I did not given anyone permission to do any kind of business with these companies, with that being said I think that my identity has been stolen. I will attach a list of the companies thats on my credit report. I also will attach a copy of my id to verify that this is me reporting this complaint. I also have a FTC report reporting the identity theft. I need this issue to be resolved immediately as this is holding me back from moving forward with providing for my family. Its really making things very difficult for me.

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 2021-12-20 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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:
This is XXXX XXXX who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : ( XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX 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 2021-12-20 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: CA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: CA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Ive contacted Navy Federal numerous of times and informed them that I do not give them permission to give my information to any credit bureau. I also reported that they are not allowed to report any negative balances, remarks etc on my report with any bureau. This is my right as a consumer, and I demand they stop immediately. My information is not to be shared with any third party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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:
I just recently updated my report and I noticed there are several items that reappeared on my report after being deleted several months back. How is this possible? This has caused me to stress out because I was in the process of home buying and now I have to push back and find another place until this is corrected. Im sure my information was impacted by Equifax data breach so this had to be an error but this error occurred at the wrong time. Ive reached out to the bureaus but obviously they keep givng me the run around. I need this problem solved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: PA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible. 


Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX ) XX/XX/2021 XXXX XXXX XXXX XXXX  ) XX/XX/2021 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 2021-12-20 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: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
To whom it may concern.

Sequium Asset Solutions have placed a derogatory remark on my credit report claiming I owe the company a {$240.00}. The company claims the account was opened XX/XX/2021. 
I have not had any dealings or signed any contracts with Sequium Asset Solutions. I am requesting for Sequium Asset Solutions to remove every derogatory marks made on my credit, to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
We made our regular mortgage payment every month in the amount of {$650.00}. The bank demanded additional {$2600.00} in XXXX and we made that payment due to concern that the bank will keep incorrectly reporting the mortgage in default. The bank finally admitted that they caused the mistake, but did nothing to correct the problem. We need our {$2600.00} refunded back to us immediately.

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 2021-12-20 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: PENTAGON FEDERAL CREDIT UNION
State: TN

Complaint narrative:
TO WHOM IT MAY CONCERN I WAS JUST A CO-APPLICANT ON THIS LOAN. THIS LOAN IS SHOWING A LATE PAYMENT AND IT'S DAMAGING MY SCORES. I SPOKE WITH SOMEONE AT THIS INSTITUTION AND THEY AGREED TO REMOVE THE LATE MARK SINCE THE ACCOUNT WAS NEVER LATE. I WOULD LIKE TO HAVE THIS ACCOUNT 100 % REMOVED FROM MY CREDIT FILE BECAUSE I AM NO LONGER RESPONSIBLE FOR THIS ACCOUT. THIS ACCOUNT HAS BEEN PAID AND FULL.

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 2021-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Around XXXX XXXX My debt cards and information was stolen they then proceeded to withdraw all my money over XXXX  they then place a fraudulent check of XXXX in my account and withdrew it placing my account in a negative status Ive tried to tell the bank it wasnt me but there holding me liable Ive tried to do everything but have had no luck an my accounts are going to be closed ( usaa ) I had absolutely nothing to do with it and have no money left I would think atm footage would be enough to prove its not me but Ive still had no luck

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: PA

Complaint narrative:
I was reviewing my credit, and I noticed some companies listed that Ive never did any business with. I did not given anyone permission to do any kind of business with these companies, with that being said I think that my identity has been stolen. I will attach a list of the companies thats on my credit report. I also will attach a copy of my id to verify that this is me reporting this complaint. I also have a FTC report reporting the identity theft. I need this issue to be resolved immediately as this is holding me back from moving forward with providing for my family. Its really making things very difficult for me.

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 2021-12-20 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Ive contacted Kia motors numerous of times and informed them that I do not give them permission to give my information to any credit bureau. I also reported that they are not allowed to report any negative balances, remarks etc on my report with any bureau. This is my right as a consumer, and I demand they stop immediately. My information is not to be shared with any third party.

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 2021-12-20 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: GA

Complaint narrative:
I just recently updated my report and I noticed there are several items that reappeared on my report after being deleted several months back. How is this possible? This has caused me to stress out because I was in the process of home buying and now I have to push back and find another place until this is corrected. Im sure my information was impacted by XXXX data breach so this had to be an error but this error occurred at the wrong time. Ive reached out to the bureaus but obviously they keep givng me the run around. I need this problem solved immediately.

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 2021-12-20 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: GA

Complaint narrative:
I just recently updated my report and I noticed there are several items that reappeared on my report after being deleted several months back. How is this possible? This has caused me to stress out because I was in the process of home buying and now I have to push back and find another place until this is corrected. Im sure my information was impacted by XXXX data breach so this had to be an error but this error occurred at the wrong time. Ive reached out to the bureaus but obviously they keep givng me the run around. I need this problem solved immediately.

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 2021-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: MI

Complaint narrative:
The manner in which I could have avoided a service fee for PNC Bank account number XXXX was not explained accurately. 

In fact, the reason kept changing and came across as deceptive. 

When the account was opened in the summer a few months ago, the banker made it sound like as long as there would be a {$500.00} ( five hundred dollars ) balance before the grace period for new accounts was up, that the {$7.00} ( seven dollars ) monthly fee would be waived. 

It turned out that this was not true. 

When I spoke with another banker sometime in XXXX, she explained that there had to be an average of {$500.00} for thirty days in order for the {$7.00} service fee to be waived. 

From the time I spoke to this banker in person in XXXX to 30 days later, the {$500.00} balance there was not touched by me at all. That is, I never made any withdrawals from that {$500.00} balance. 

But my balance in XXXX was down again to {$490.00} because PNC took a {$7.00} service fee out of my account. 

The male banker in XXXX said that it had to be an average of {$500.00} from the beginning of the month to the end of the month because that was the billing cycle. 

That was not what the female banker who opened the account said, nor did the second female banker say anything from the first of the month to end of the month billing cycle in XXXX. 

It was as if it did not matter what I did because PNC was determined to mug me and rip me off out of {$7.00}. 

I want that {$7.00} refunded to me immediately and sent to my mailing address. 

PNC Bank is not trustworthy. 

Their employees ' story ( explanation ) on imposing the {$7.00} service fee kept changing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I called Capital One to try to get a settlement on my two credit card accounts, the representative kept saying I didn't qualify for any of their programs but Capital One advertise hardships from XXXX. I explained to the representative not only was I sick but my husband was sick and also had a XXXX XXXX that caused him to have XXXX XXXX  XXXX and I had to be off work to help assist him. Then I ended up having my XXXX removed months later. I then asked her to remove the late payments and waive the late fees, she agreed to remove one late fee and informed me that was all she could do. I stated, '' Capital One is false advertising about the COVID help because you pretty much told me I didn't qualify for your programs when I can prove XXXX was a hindrance. My other credit card companies helped me out without any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received an unsolicited debit card in the mail from Chase Bank on XX/XX/2021. The name on the account is mine and even includes my businesses name underneath. The instructions on the card state that I should activate the card. I HAVE NOT ACTIVATED THE CARD. 

Part of the correspondence that arrived with the card states the following : " This card accesses the primary accounts listed below ( and further states an account number ending with XXXX ). 

Here is the problem, and the reason for this complaint, I have never opened an account with Chase Bank NEVER. And as a result, I believe this is either a scam, a case of stolen identity or a fraudulent practice on the part of the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: TN

Complaint narrative:
TO WHOM IT MAY CONCERN I WAS JUST A CO-APPLICANT ON THIS LOAN. THIS LOAN IS SHOWING A LATE PAYMENT AND IT'S DAMAGING MY SCORES. I SPOKE WITH SOMEONE AT THIS INSTITUTION AND THEY AGREED TO REMOVE THE LATE MARK SINCE THE ACCOUNT WAS NEVER LATE. I WOULD LIKE TO HAVE THIS ACCOUNT 100 % REMOVED FROM MY CREDIT FILE BECAUSE I AM NO LONGER RESPONSIBLE FOR THIS ACCOUT. THIS ACCOUNT HAS BEEN PAID AND FULL.

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 2021-12-20 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: TN

Complaint narrative:
TO WHOM IT MAY CONCERN I WAS JUST A CO-APPLICANT ON THIS LOAN. THIS LOAN IS SHOWING A LATE PAYMENT AND IT'S DAMAGING MY SCORES. I SPOKE WITH SOMEONE AT THIS INSTITUTION AND THEY AGREED TO REMOVE THE LATE MARK SINCE THE ACCOUNT WAS NEVER LATE. I WOULD LIKE TO HAVE THIS ACCOUNT 100 % REMOVED FROM MY CREDIT FILE BECAUSE I AM NO LONGER RESPONSIBLE FOR THIS ACCOUT. THIS ACCOUNT HAS BEEN PAID AND FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
TO WHOM IT MAY CONCERN I WAS JUST A CO-APPLICANT ON THIS LOAN. THIS LOAN IS SHOWING A LATE PAYMENT AND IT'S DAMAGING MY SCORES. I SPOKE WITH SOMEONE AT THIS INSTITUTION AND THEY AGREED TO REMOVE THE LATE MARK SINCE THE ACCOUNT WAS NEVER LATE. I WOULD LIKE TO HAVE THIS ACCOUNT 100 % REMOVED FROM MY CREDIT FILE BECAUSE I AM NO LONGER RESPONSIBLE FOR THIS ACCOUT. THIS ACCOUNT HAS BEEN PAID AND FULL.

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 2021-12-20 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MSCB, Inc.
State: TN

Complaint narrative:
MSCB Inc flagged my XXXX credit report after submitting an affidavit stating that I had no idea what this bill was because no one ever sent me a bill therefore I have no knowledge of this bill. I have previously been a victim of identity theft and also have a family member with the exact same name and month/year of birth as myself. Also, these collection agencies purchase these accounts for pennies on a dollar hoping to get paid the full amount. It also again HIPPA violations for hospitals or medical providers to provide any information concerning patients due to charged-off bills but again I have no knowledge of the bill because I was never contacted.

Company response to consumer: Closed with explanation