vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Bank XXXX XXXX Account # XXXX, has violated my 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. 

Furthermore, Bank XXXX XXXX is reporting conflicting information on my report. In the Additional Information Section it states, " Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$5500.00} ; '' however, they are reporting an amount due of {$9900.00} as of XX/XX/XXXX. Please review the attachment as confirmation of these facts.

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 2022-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
They double-charged my payment this weekend, causing my checking account to nearly overdraft. I had to borrow money to cover it, because they also are not answering emails or the phones. Yesterday the phone line wasn't even working. Today I thought I was finaly going to get through and then I go through all the trouble and waiting for a rep. At the end there's a recording saying to call back later. That's not okay, it doesn't seem legal. And I'm really upset with Comenity. I wish they never took over the XXXX XXXX EXtra Points card- i have had numerous issues with them including them shutting my old XXXX card off without any notice. 
I've even tried calling the hearing impaired line because this was an emergency - their website was not working this weekend and it wasn't showing a scheduled payment. So I made another - and then you charged it twice. I need the second payment of {$63.00} refunded now, but I can't get ahold of them to do so. 
The real issue is that it's been two business days that I can not talk to ANYONE to receive help, this doesn't seem legal. This is a credit card, not a cable bill - this is something urgent. 
The numbers posted on their website get you nowhere. 
XXXX XXXX XXXX ( TDD/TTY : XXXX ) TDD/TTY XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In XX/XX/2021 we leased a new vehicle through Ally. In XX/XX/2021 the vehicle was totalled. The insurance proceeds paid off the full balance of the lease and their excess funds in excess of {$20000.00}. These excess funds were generated by our trade on the vehicle and our down payment. Despite numerous requests Ally refuses to return them claiming they are entitled to keep our down payment and trade value. Ally has unjustly enriched itself.

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 2022-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
In XXXX, I refinanced my home mortgage with XXXX XXXX as the loan servicer. In XXXX of XXXX, I was notified that servicing of my home mortgage loan had been transferred to PNC Bank effective XX/XX/XXXX. I was notified in writing that my automatic monthly payments would continue with PNC Bank, however, I never received a pin # for PNC online banking, and when I called the customer service line on XX/XX/XXXX to ensure that my mortgage would be paid I was informed by the representative that automatic payments had not been set up. Additionally, they were still unable to assist with enrolling me in online banking so that I could review the account and make a payment. Instead I had to make a payment over the phone which incurs a XXXX XXXX  transaction fee. PNC has made the transfer of my home mortgage a terrible experience, and has been completely uncommunicative throughout the transfer period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo called me trying confirm a bank account I never opened and XXXX issues saying something about a pending payment from XXXX and I never did that. XXXX has closed my account for fraud

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 2022-07-06 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: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
On XX/XX/2022, I contacted multiple banks trying to acquire a business loan, all had advised me that due to my business being so new ( opened on XX/XX/2022 ), they couldn't help me. This is how I got to Chase, called asking the same question I had asked 7 other banks, looking to take a loan out under my business name, new business, I have excellent credit and good personal income but trying to establish my business. XXXX XXXX XXXX XXXX ext # XXXX from Chase advised me that this isn't an issue with Chase, a business does not need to have history, they are one of the few lenders that would lend, I provided him all the information he requested. Today, XX/XX/2022, when I called to get a status on my application, I was advised the application was denied due to " Length on time on business '' & " Value of business Collateral '', to which I responded to XXXX how are those reason to deny my application when I advised you this is a brand new entity, I am trying to get a loan in order to obtain collateral and my main question prior to doing an application was do you lend to companies that are just starting. I advised XXXX I want to dispute the credit inquiry, I feel like I was misled into applying for the loan, when the reason for the denial clearly states Chase is looking for businesses to be in business for a longer period. XXXX advised me to contact the credit reporting agencies, he was unable to provide me information on how I could dispute the information via Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Bank Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX Account number : XXXX Routing Number : XXXX XXXX XXXX : XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Receiver Address : XXXX XXXX XXXX XXXX XXXX Tx, XXXX First money transfer on XX/XX/2022 Bank name : Wells Fargo Bank Address : XXXX XXXX  XXXX XXXX, XXXX, NC XXXX Name : XXXX XXXX Account Number : XXXX Routing Number : XXXX ReceiverAddress : XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX : XXXX Second money transfer on XX/XX/20XXXX 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 2022-07-06 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: 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 XXXX 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 XXXXThis 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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:
I have never in my lifetime signed nor authorized for the over {$15000.00} amount of 7-8 loans which I have been saddled with for over 15 yrs, which have ruined my credit, name and life since. I only applied and signed for 2! loans at XXXX XXXX for two quarters when I attended their school for 6 months in 2007. I have submitted a Borrower Defense claim and transcripts to the Dept of Education and I have yet to receive a final word on my defense of being deceived and duped by this school. I am sick and tired of being associated with debt I never used/nor received, apart from the {$5.00} thousand that covered my classes & materials then. I will go take all involved parties and file suit in court unless this is erased from my credit and history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: MD

Complaint narrative:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX XXXX XXXX : {$0.00}

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 2022-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/2021 I issued a check from my investment company XXXX XXXX in the amount of {$4700.00} to be made payable to XXXX XXXX XXXX XXXX XXXX. This check was made payable to pay off my auto loan In full. The money was successfully deducted from my investment account. On XX/XX/2021 the check was returned unpaid from XXXX XXXX. The money was never returned back to my XXXX XXXX investment account. XXXX XXXX stated when I asked them what happened to my money upon review, we verified that youve attempted to deposit the check multiple times. The check was endorsed twice and the first one was successfully deposited by Bank of America on XXXX while the second endorsement was returned by XXXX XXXX finance. I retrieved a copy of the sequence from XXXX and the money was successfully deposited into a bank account through Bank of America on XX/XX/2021. I have the sequence number the bank account number but when I called Bank of America they would not disclose any information to me as to where my money went. I have been in contact with XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX but nobody will trace what happened to my money. I have lost {$4700.00} and can not receive any assistance from anybody.

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 2022-07-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I tried to register online at Equifax and it does not recognize my XXXX mobile phone number ( XXXX ) XXXX so since i can't register online using their site to get my free annual credit report from them i called and spoke to one of their customer service representives and i was told to write them a letter and request that they register me and send me a copy of my credit report. I did that 8 weeks ago and i still haven't received a response back from then and now when i try to call them after about 30 minutes i finally get an automated message from the computer csr that due to the high call volume they are not able to complete my call and the telephone line goes dead- This is why i am filing a complaint by law they should send me a free credit report i can be reached at : XXXX or my home based telephone number is ( XXXX ) XXXX or cell mobile number ( XXXX ) XXXX address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX of XXXX, I shopped around for a mortgage at several institutions and went with XXXX Mortgage who mortgaged my home. 

I was told by every institution who ran my credit that I could mortgage shop to a maximum of five credit runs with no issue and that once I was mortgaged the other four credit checks would be removed and only the one for XXXX  Mortgage ( done through XXXX XXXX  ) would remain. This process started in XX/XX/XXXX and we closed on our home in XX/XX/XXXX. 

I want the four remaining credit checks removed : XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX MORTGAGE XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX MORTGAGE SERVICES XXXX MORTGAGE SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX BANK XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX  I contacted XXXX, XXXX and TransUnion to have them removed and nothing has been done at this point.

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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX of XXXX, I shopped around for a mortgage at several institutions and went with XXXX Mortgage who mortgaged my home. 

I was told by every institution who ran my credit that I could mortgage shop to a maximum of five credit runs with no issue and that once I was mortgaged the other four credit checks would be removed and only the one for XXXX  Mortgage ( done through XXXX XXXX  ) would remain. This process started in XX/XX/XXXX and we closed on our home in XX/XX/XXXX. 

I want the four remaining credit checks removed : XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX MORTGAGE XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX XXXX  MORTGAGE XXXX XX/XX/XXXX XXXX MORTGAGE SERVICES XXXX MORTGAGE SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX BANK XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX I contacted XXXX, Experian and XXXX to have them removed and nothing has been done at this point.

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 2022-07-06 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: IL

Complaint narrative:
Hi I am submitting this XXXX 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2022-07-06 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Purchased flooring onXXXX. XX/XX/XXXX reported defective merchandise. XXXXreceived an unacceptable response from XXXX. XX/XX/XXXX submitted a complaint to NC DOJ. 
XX/XX/XXXX filed a small claim. 

I paid {$8800.00} to XXXX before I stopped payment for defective merchandise. 

I tried for over two years to work with XXXX and Synchrony Bank. 

XXXX XXXX from XXXX offered me {$6000.00} dollars to end all obligations to XXXX and Synchrony which I agreed Now Synchrony wants me to pay the balance on the contract.

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 2022-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I've received abusive calls/voicemails letters etc ... from Sunrise Credit Services , Inc. without my consent. I received threats to report my information to Credit Agencies, and that they are attempting to COLLECT A DEBT. Oddly, after I sent Certified and Notarized mail ( through their Registered Agent XXXX XXXXXXXX XXXX ) requesting Sunrise Credit Services , Inc to provide proof of any contract to collect or a contract with wet-inc signatures binding myself and Sunrise Credit Services , Inc . I received no response to date. Sunrise Credit Services , Inc. willfully and fraudulently obtained my information without my prior consent and has provided no contract to collect which is identity theft, fraud, and violation of my private rights as a consumer by reporting PRIVATE information to collection agencies without proof of any contract between myself and SUNRISE CREDIT SERVICES , INC . 

Please see attachment.

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 2022-07-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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