vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: FL

Complaint narrative:
First off I have Nearly Perfect Personal Credit. Scores Above XXXX FICOs. I submitted an application for a Business Credit Card for My 100 % Owned LLC. PNC Bank asked for my SS Number and TAX ID Number for this submission. After taking nearly and entire Month and few days of requesting Nearly every single bit of documentation and interviewing with Several Bank Officers both in-person and over the phone, they decided to Decline My Application. The reason was because they wanted me to move {$100000.00} or more into their Bank from my main operating account before they would Consider Approving Me.?? 

I have Never heard of such procedures. Truthfully, I had no response to this ridiculous posture they had taken. I need someone to look into this UnFair Practicing of Lending, Credit access should be Fair and above Board. Not hidden. Here 's a quote directly from a Branch manager [ XXXX XXXX ] in XXXX Florida regarding the Credit Card Denial : " Regarding the business credit card, as previously mentioned, we are a relationship bank. We can submit an application, but approval is not guaranteed. Our policy requires prospects to bank with us for a minimum of 4 months to establish internal credit stability. '' This Torture began in the beginning of XXXX in 2024 [ XX/XX/XXXX to be exact ]. They denied both my Credit Card Application as well as Line of Credit Access. This Process ended sometime in the XXXX week of XXXX of 2024. Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: VA

Complaint narrative:
Verification of debt not provided. No contract with creditor exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Portfolio Recovery called me repeatedly from various numbers, continue to do so after asked to contact my debt consolidation company, and law firm. I blocked over 15 number variants from my phone and they called my spouse as well. It's harassment at this point and disturbing. I can't use my phone without an interpretation from this debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies.This account is hurting my ability to obtain credit. It is my understanding that Transunion will investigate my complaint and provide proof that what is being reported is accurate. Account : XXXX XXXX XXXX ACT # 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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted transunion about a collection regarding XXXX collection I have no knowledge about this collection which is located in Pennsylvania. Ive tried to have it removed and they wont make an effort to work with this fraudulently opened account. Please investigate this fraudulent account Ive lived in Florida for the past XXXX  years and my personal information was used without my consent. Transunion wont help remove this fraudulent account that doesnt belong to me. Please help and investigate. 

Thank you

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau XXXX CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX : {$0.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.

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 2024-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This account was written off as a charged off. And I never received a 1099 c cancellation of debt form. And because of that this account is an accurate and has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: MI

Complaint narrative:
Collections can not be reported as late or open on my credit report. This is a major FCRA violation. According to code 15 USC 1692g please have all collections removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
I am trying to refinance my current mortgage that I have with Newrez ( Shellpoint Mortgage ) with a different lender. One of the requirements for the new lender is that I need a 24 month payment history showing that all payments were paid within 30 days of the due date. I requested this 24 month history from Newrez ( Shellpoint ) and when I received the documents I was appalled to see that they applied multiple payments a month later than received, making it appear that I paid multiple payments over a month later from or about XX/XX/year> backwards. They have NOT been able to intelligently explain why they show several payments being applied over a month late. I provided each and every document the requested to show my timely payments to include my bank statements, stamped checks, etc. They still have not got it right when I've provided all of my payment evidence. They have been working on this for over 60-days now which is completely absurd because they are negatively impacting me as a consumer and I have had to withdraw my application with the new mortgage company because they can't proceed until I get an accurate 24-monthy payment history. Then they sent me a Loan History Statement that wasn't in chronological order and riddled with errors. I need 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 2024-09-29 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX hires the XXXX XXXXXXXX XXXX  to do an expedited job on my bathroom due to a leak. During the initial DeposiXXXX transaction for the full job the merchant return the payment and sent me the receipt of return. ( i provided the text messages exchanged to Chase ) The owner and contractor of XXXX XXXX had to pay the employee doing that job same day and the card gave a longer holding period. The owner returned the payment and sent me the receipts moments from making the payment ( less than XXXX minutes ). He required another payment method. Instead of using another credit card due to the hold period issues. I opted to XXXX him the paymentsXXXX has a {$1000.00} limit so the remaining {$50.00} was left to pay the remaining one the job was done ( i had hires them before so I trusted them and they trusted me ). Despite payment was return the same day it was not credited to my card. I waited the XXXX bus days in the email sent from XXXX and payment was still not return. I submitted the dispute with Chase and they will not credit back the money. Stated they can not prove since the merchant do not match the XXXX payments. ( Despite provided the text message evidence of these being the requested payment option from the vendor ) I had the case reopen twice. They state the reason is the reason of the denial but Chase does not offer the option or Return Payment. I can not state services were not provided because the repair was done. I have provided the merchants contact info since they did not even attempt to contact him. Nor they are accepting the email that states he return the payment. If I enter another reason that those not apply they will also reject the dispute again plus System reopens the case an I can not elect another reason. I had escalated the Manager and I can tell they are not reading the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
XX/XX/year> ( XXXX yrs, XXXX mos ) I am not liable for this debt with NCA. I do not have a contract with NCA .The statues of limitation have past on this debt in my state which is Virginia . The date for the start of this debt for which I have no original contract for with NCA is XX/XX/year> ( XXXX yrs ) .They did not provide me with the original contract. If after reinvestigation under paragraph ( XXXX ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. Also according to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit without my permission. Please remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX XXXX, and as a result of this exploitation, multiple fraudulent collection accounts have appeared on my credit report, all listed under SUMMIT A R, with the original creditor being XXXXXXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened without my consent during a time when I was being XXXX, and I have no involvement or knowledge of these transactions. 

Here are the key details : Date Opened : XX/XX/year> Amounts Involved : {$1400.00}, {$640.00}, {$750.00}, {$210.00}, {$510.00}, {$990.00}, and {$400.00} Account Status : All accounts are currently reported as Collection/Chargeoff with a derogatory status. 
Last Reported Date : XX/XX/year> I have disputed these accounts directly with the credit bureaus, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 605C and 609 ( e ), to have these fraudulent accounts removed. These entries are causing significant damage to my credit profile, which is particularly distressing considering my status as a XXXX  XXXX. I am seeking immediate removal of these accounts from all reporting agencies as they are directly tied to my victimization. 

Thank you for addressing this matter with urgency and compassion.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Meta Payments Inc.
State: LA

Complaint narrative:
My XXXX XXXX access was removed several weeks ago. I bought Meta 's service to try and contact support who informed me there is a specalized team that I am unable to reach out to regarding my XXXX XXXX access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On my credit report there is an account called XXXX. I have never applied for or owned an XXXXXXXX XXXX products. The fair credit reporting act clearly states that all the information on a person 's credit report should be XXXX percent accurate. This XXXX account is not reporting correctly on my credit report. As across all three different credit bureaus it is showing different opening and closing dates for this account. On all three credit bureaus it is showing a different balance that are owed on the account meaning that on my XXXX and transunion accounts, the stated amounts owed are different. Also on my credit report it clearly states that the credit limit for this account was {$8500.00} but yet it is saying that the balance owed is over {$15000.00}. This makes no sense and thus prove the in accuracy of this account. 
I never held such an account with 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 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Filed a claim with Bank of America regarding an XXXX XXXX payment that was for an app that did not work.

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 2024-09-29 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
XXXX is a merchant services business running multiple fraud schemes through multiple addresses. They claim to be part of XXXX XXXX  and have destroyed my credit while I disputed the validity of the contract running through all the fake names and addresses. I need them to remove their information completely because they do not have a real company or contract with me. There are XXXX accounts total XXXX in unsecured credit they claim are in areas for 2000 and are late. It cost me XXXX points on my experian report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to express my strong dissatisfaction with the recent changes made to my account ( Account Number : XXXX ) without my consent. I have been a long-standing customer with Citi, and I was shocked to find out that my account was upgraded to Citi XXXX  , a tier I neither requested nor need. 

This change has resulted in the imposition of a monthly fee of {$15.00}, which I find completely unacceptable. Regardless of whether I meet the account requirements to avoid this fee, I did not authorize this change, and I do not use any of the perks associated with Citi XXXX. I was perfectly satisfied with the way my account was structured previously.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
Collections can not be reported as late or open. 
This is a major FCRA violation. According to code 15 USC 1692g. Please have collections removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have a Balance on XXXX and XXXX. Its a balance of XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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