vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC
State: FL

Complaint narrative:
I had received a settlement and it was direct deposited to DAVE XXXX ( XXXX XXXX  ) Part of the XXXX was I could send checks for payment to people. I sent a check on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to my sister XXXX XXXX. 
On XX/XX/XXXX I got a phone call from XXXX stating he was the XXXX, and that there was a problem. He said I am only allowed to send {$3500.00} in checks a month, therefore the XXXX check from XX/XX/XXXX and XX/XX/XXXX would not be sent. I explained to him that I can see the money and had confirmation emails stating the money was withdrawn. He said once the XXXX  days pass, the withdrawal would fall off and the money would be returned. I spoke the " XXXX '' a couple times, XXXX conversation stating that he could see the last {$3000.00} withdrawal on XX/XX/XXXX, and that my balance decreased but that would be returned. 
After that when I would call " XXXX '' was no longer available to speak to. 
Every time I would call after that, I would get the run around, no one answers me. I asked for a ledger showing the money removed and then returned I was told " that wouldn't happen ''.. 
Now I received a email that my account had been compromised and information leaked. But no answers to where my {$6000.00} is. My sister did receive the XXXX check sent on XX/XX/XXXX. 
I also received a written letter on XX/XX/XXXX from XXXX stating information XXXX have been taken between XXXX in the year XXXX ... 
So I am so confused and don't know where to turn. 
Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
" I reviewed my consumer report and informed your agency on XXXX XXXX XXXX about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XXXX PNC bank added interest charge of {$170.00} to my credit card account. My account was at {$7400.00}. Credit limit was {$7500.00}. That put me over limit by {$120.00}. On XXXX I paid off card completely. On XXXX, unexpectedly I had to use card to pay {$2900.00} for wifes medical expense. 
On XX/XX/XXXX, I received two letters in mail from PNC. Both dated XX/XX/XXXX, informing me that my credit limit was lowered from {$7500.00} to {$600.00}. 
My concern is how can my limit be lowered to {$600.00} after they accepted a {$2900.00} charge to it. And after I paid off both accounts on XX/XX/XXXX. 
On XX/XX/XXXX, I contacted PNC credit card for the first time. I explained my above situation and female said she would get back to me in XXXX hours. 
On XX/XX/XXXX, went into local PNC branch and met with XXXX XXXX who contacted credit card side again. Explained to her also what was going on. XXXX agreed with me, but it was a waste of both our times to contact credit card side. 
On XX/XX/XXXX, I again contacted PNC credit card #. Got hung up on on first call after verifying myself. Called again. This time talked to XXXX. She took time to get all my information about why I was calling, eventually put me on hold to check out some information. And then I was hung up on again before she responded back to me. And I never received a call back even though she had my contact information. 
From what I have researched, for this particular card, PNC can not lower the limit to {$600.00}. It should be to nearest {$100.00} in account plus {$500.00}. The lowest they can lower would be {$3400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies in these accounts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to lead a normal life. 

The negative effects of these inaccuracies have caused immense hardships, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. 

It is imperative that the necessary steps are taken to update and rectify my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file, thereby regaining control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-24 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: NE

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2024 I sent a dispute letter to the bureaus pertaining to the inaccuracies that are listed in collection on my credit report and after 30 plus day investigation everything came back verified. But when I went to check my credit report everything was still the same with opening and closing dates still not matching 4 to 5 different name variation spelling of my first and last name etc. I sent out second round of letters disputing inaccuracies again using more laws to back up the previous one.

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 2024-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I filed XXXX XXXX bankruptcy in XXXX, 2024. My lawyer insisted that Rocket Mortgage, with whom I have a mortgage for my house would not be affected. I was set up with a payment plan through XXXX to pay my debts. I was assured many times by my lawyer that Rocket would not affected. In XXXX, I attempt to log into my Rocket account to make a house pymt & I get errors that my password is wrong. I call Rocket & Im told that my online account has been deleted because of the bankruptcy. I ask when I was going to be told about this and was informed that this is routine. It made no difference that I had never been late with a payment & that I was assured by my lawyer that Rocket would not be affected. I ask Rocket if I was going to be sent snail mail bills. The answer was no unless I request it. I requested it. I called my lawyer again who assured me again that Rocket had not been affected and they were not on the list of debtors Im paying back. 

Today, XXXX XX/XX/XXXX, I get a statement saying that I had a past due amount before the bankruptcy filing of {$3600.00}. The same statement also shows that I owe an extra {$400.00} for advances made on your behalf. I call Rocket ( XXXX XXXX & Im told that the past due amount is not showing up & the {$400.00} is a bankruptcy fee. She suggests that I call my lawyer because you should have been told about this fee. I call my lawyer who again states that Rocket was not affected, he still has no idea why my online account was deleted & inquired if I knew to whom the advances were made to on my behalf. The answer to that is no so I said Id get back with him. In the meantime, I get on a chat with XXXX XXXX at Rocket who says there are no past due amounts & the {$400.00} was the bankruptcy filing fee. I explain that Rocket did not advance me any monies to file the filing fee with the county I live in. Now you know on a chat how you can see that the person is typing? XXXX XXXX produces this macro : 'If I do not receive a response within 2 minutes, I will have to disconnect our chat '. 38 seconds later while I'm typing a response about the monetary advance, he disconnects. 

I email Rocket. I get that they want to kick me while Im down but I have never been late with a payment, my lawyer states that they are not on a list of debtors Im paying back, I paid the filing fees myself & can prove it. Rocket did not advance me any money and I still do not understand why I no longer have online access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: DE

Complaint narrative:
I had used my debit to make some on line purchases with a company called TEMU. Then I saw 6 charges appear on my account that I never made. I called Chime. Told them. They said they will look into it. They temporarily refunded the money. I had to use that money to pay bills. They called me back and just told me that the investigation was concluded and that the charges were valid. They told me that they will be taking their money back. I told them they can't, I don't have it now and that I didn't make those charges. I asked them how they can say that the charges were valid when I didn't make them. I told the person that the dollar amounts were also very similar ( within a few dollars ). To o avail, they debited my account {$550.00}. Now I have a negative balance because I'm no longer using that account now. I still have it though.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I just checked my credit report for the first time in XXXX  years and have had an outstanding balance of {$80.00} with bank of America since XXXX. 

I did not receive a bill, to my knowledge, for this amount in the mail, or by e-mail ( the company has both addresses ). As soon as I saw it I paid it off ; all of my other accounts are in good standing. I would like to have the delinquent reporting removed, as I was unaware of this balance, and it is affecting my credit. 

I pad it off with Bank of America as soon as I saw on my credit report : confirmation number 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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Demand for Removal of Unauthorized Credit Inquiry from Experian Report I am writing to formally dispute and demand the immediate removal of an unauthorized credit inquiry from my Experian credit report. My report lists an inquiry from XXXX XXXX XXXX that I did not authorize under the conditions disclosed to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX This inquiry was the result of a preapproval promotion which explicitly indicated that only a soft pull would be conducted. Contrary to this representation, a hard pull was made on my credit report, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and a deceptive practice. 

The presence of this unauthorized hard inquiry is damaging my credit score and unjustly impacting my financial standing. I demand that this inquiry be removed from my credit report immediately. I expect prompt action on this matter and will not tolerate any delays. Failure to comply with this request will leave me with no choice but to escalate this matter further, including seeking legal action to protect my rights. 

I trust you will treat this matter with the urgency and seriousness it deserves. I look forward to your prompt response and resolution. 

Sincerely, 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 2024-07-24 00:00:00
Product: Credit reporting 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:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below.

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 2024-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-07-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies in these accounts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to lead a normal life. 

The negative effects of these inaccuracies have caused immense hardships, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. 

It is imperative that the necessary steps are taken to update and rectify my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file, thereby regaining control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland credit management has taken legal actions with my account # XXXX. Will you please verify that the information reported is 100 % accurate and be fully verified. Otherwise please remove from my credit. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My phone was stolen, and the thief transferred nearly {$14000.00} from my account via the XXXXXXXX XXXX Bank of America processed two fraud claims for the same unauthorized transactions : one for {$6300.00} and another for {$7100.00}. They approved the claim for {$7100.00} but have refused to approve the claim for {$6300.00}, even though both claims are for the exact same transactions. I urgently need the money that was stolen from me to be returned.

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 2024-07-24 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: NC

Complaint narrative:
I am writing to dispute a collection account reported on my consumer report. The account is currently listed by XXXX XXXX XXXX XXXX. 
I dispute the validity of this collection for the following reason : Lack of Authorization to Collect in XXXX XXXX : According to the XXXX XXXX Department of Justice, debt XXXX must be licensed by the state to collect debts from XXXX XXXX residents. We have been unable to locate a valid XXXX XXXX debt collection license for 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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
Ally was once Ollo. They never said anything in any form to me about switching to Ally from my Ollo account.

When the switch over happened my payments stopped because I was paying Ollo on autopay. Ally claims they told everybody about the switch.

You can clearly see i was paying Ollo monthly until Ally took over and was unaware of the new Credit card company. 

They refuse to take XXXX late payments off because they told everyone. I had no idea this had helped. I received no correspondence and whats more I still dont have a card from them. They say its due to my account being frozen for unpaid credit. 

Credit that I wasnt aware of with Ally

Company response to consumer: Closed with explanation