vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-12 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My job was hit hard by Covid ( XXXX ). I did my best to make timely payments, but had to use the payment deferral option for a few months. I talked to XXXXCare CreditXXXX XXXX on the phone ( my fault, now I don't have proof ) and negotiated a three month payment plan that would keep me from being reported to the credit bureaus. I made the payments that we agreed on, and they still hit me with a 30, 60, and 90 day late during this period. With these being the lowest credit cards that I have, I never would have agreed to this if I had known they wouldn't keep up with their end of the deal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed an erroneous account ( XXXX XXXX XXXX  ) on my Equifax Credit Report on XX/XX/2021. Equifax received my dispute, and to date ( XX/XX/2021 ) Equifax has not responded to my request for this incorrect account to be deleted. From my understanding, by law, Credit Reporting Agencies have 30 days from the date received to investigate and respond the consumer, and if they can not do so the incorrect account MUST be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/2021 I received an email which launched a series of events resulting in my being defrauded of {$9700.00}. A scammer communicated with me via email, cell phone and text messaging. He created a confusion and convinced me I had made a mathematical error resulting in money being deposited into my account. He then created an urgency which then made him the victim of my error and that I needed to help him so as not to compromise his job. I was provided a foreign bank account in XXXX and a script to convince a bank employee to wire money internationally. The scammer was able to take control of my computer screen and establish a false sense of credibility. I went to PNC Bank and recited the script. As a senior citizen living in a resort town as a full time resident I am a familiar customer at the bank branch. An employee equipped with the proper training would have seen the warning signs that a fraud/scam was evident. A trained bank employee would have seen my banking history never showed an international wire of funds. A trained bank employee would have been equipped with a series of questions that would have included asking me if someone took control of my computer screen. A trained bank employee would have asked me if I was provided a script to follow once arriving at the bank. A trained bank employee would have questioned me as to why I was sending {$9700.00} to a bank in XXXX. A trained bank employee would have provided me with a fully executed copy with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed an erroneous account ( XXXX XXXX XXXX ) on my Experian Credit Report on XX/XX/2021. Experian received my dispute, and to date ( XX/XX/2021 ) and has not responded to my request for this incorrect account to be deleted. From my understanding, by law, Credit Reporting Agencies have 30 days from the date received to investigate and respond the consumer, and if they can not do so the incorrect account MUST be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
First I never received anything in the mail, only saw this collection reporting on my credit file which is NOT accurate. I turned in all the phones that were leased when my agreement was up. I do not owe XXXX anything. This is inaccurate. See attached receipts showing I turned in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Three months ago I tried to add an external checking account to my Chase credit card so I can pay from that account. The account gave me an error when I tried to add it. I sent a secure message detailing the issue and was given canned responses such as instructions on how to add an account ( which I followed to the letter ). I called the customer service line and was given similar responses and when I pressed for someone who could better assist me I was placed on hold for hours, seemingly indefinitely. It appears Chase is not interested in helping me solve this problem so I am reaching out to the CFPB for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CO

Complaint narrative:
I moved into a property and renting a room in XXXX. I signed a release to do a background check on you look for landlord. I moved out in XX/XX/XXXX. The guy that I was renting the room from stayed until XX/XX/XXXX. I get a bill from the landlord stating I owe {$4700.00} for damages and cleaning he sent it to collections and I notify collections that I was not on the lease and I was not responsible for the bill especially not the entire bill. Collections placed it on my credit report with the erroneous information and the entire amount. I want the information my credit report removed and replaced on the correct person 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 2021-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: NC

Complaint narrative:
XXXX  XXXX XXXX I just got information from XXXX XXXXXXXX XXXX that moving forward, XXXX will be servicing this account. Please Delete the XXXX  XXXX XXXX Account from my profile from my profile. I have not given written permission for this account to be on there. 
According to 15 U.S. Code 1681 - Congressional findings and statement of purpose As A Consumer I have Right to Privacy, ( Accuracy and fairness of credit reporting4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ) Abusive Practices 15usc1692 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
( 15usc1681 A # 2 ) ( 15usc1602 L ) Gramm-Leach-Bliley Act : They never explain this sharing of my information Any Violation under Truth and Lending is double the Finance Charge 1635 the failed to explain which is a Violation. 

I have not done any business with XXXX XXXX XXXX, I have sign any contract with XXXX XXXX XXXX. My Legal name is XXXX XXXX and not XXXX and there is no proof that I XXXX XXXX owe any thing on this account. I have not been provided any validation on this account. 

According to FDCRA, I have a write to privacy and I have not given any one permission to transfer any account of my mine or my personal information to any one. 
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Unauthorized use of my credit report. Reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Thank you guys for reading my complaint. On XXXX I sent a letter to all three major reporting Credit Bureaus . And I did not get a response from any Major reporting bureau. I was able to get one account closed on Equifax which was a charge off from a car which the car was wrongly taken from me through the finance company. And a charge off XXXX balance account from XXXX XXXX that was closed on my XXXX. I checked my status regarding the letter dispute I sent to XXXX, and XXXX has only documented that a dispute was filed on XXXX, and XX/XX/XXXX.The delivery date was XXXX for the letter I sent in the mail. I also disputed on XX/XX/2021 using XXXX XXXX, and the status of that is that account is still in review. The letter I sent to XXXX was sent on XXXX, and only one of the five accounts were removed. The other four accounts on that letter I asked XXXX to verify were not removed, and were not verified. And I did not receive a response from the bureau via mail, nor email, nor account update regarding the other four accounts. This dispute has lasted over 30 days, and I feel as if the only way this can be resolved outside of small claims court is to get those four accounts on my XXXX letter removed. Due to the Fair Credit Reporting Act. I have attached the original letters I sent to XXXX, and Equifax. And proof of the letters being sent off via US Mail. I also have attached screenshots of the one account that XXXX finished disputing, and the account its still working on. Also want to dispute Equifax for not removing any accounts except the that was placed as a charge off. I have also attached my non reponse letters I have sent to both credit bureaus via mail. Thank you guys so much for your help. I really appreciate it so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2021 the XXXX XXXX sent {$2000.00} to XXXX Bank in my name ( COVID relief fund ). On XX/XX/2021 I intiated a bank transfer from XXXX XXXX to my checking account in PNC Bank. Unfortunately, I entered an incorrect PNC Bank checking account number. After about a week when the {$2000.00} transfer never hit my checking account I started following up with XXXX XXXX. I corrected the checking account number on the XXXX XXXX record. Their escalation team indicated their records showed the transfer was initiated to PNC Bank. I checked with PNC Bank escalation team. They had no record of the transfer reaching PNC Bank. Both XXXX XXXX and PNC Bank escaltion teams asked me to check with the XXXX XXXX.XXXX XXXX XXXX escalation team indicated their record shows the money being " deposited '' on XX/XX/2021. I have had several conversations with the escalation teams from the XXXX XXXX, XXXX XXXX and PNC Bank. None can " find '' my {$2000.00} and credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo credit card with 0 % intro on my balance transfers up until XX/XX/XXXX. When I looked at my statement this morning ( XX/XX/XXXX ), I saw there was interest charged to me in the amount of {$1.00}, even though I don't use this card for purchases and only for the original balance transfer offer. Contacted customer service after I looked at my last 2 statements and saw the 2- {$200.00} bank adjustments she directed me to that were put onto my account. 1 of those {$200.00} adjustments were put onto my account as a purchase instead. That customer service representative claimed that WF had a system issue that credited many accounts with too many payments so those charges were the bank 's adjustments. I confirmed my bank account was not drawn for those {$400.00} worth of payments but my issue was with how WF posted one of their adjustments to my account as a purchase and charged me interest on that transaction. Although they claim they resolved the issue on my account, I will not be able to see whether that is true for 1-2 billing cycles. This complaint is being filed on behalf of the many other customers that were affected by WF posting their bank adjustments ( to correct their overpayment error ) as purchases and are profiting through interest that should not be charged to their customers.

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 2021-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
There is an account showing up on my credit which isn't mine nor was I ever aware of this. Please help assist I have disputed with nothing 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 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Made an in-store purchase at XXXX XXXX Best Buy for {$290.00} on XX/XX/2021. The cashier informed me that I was {$4.00} shy of qualifying for the 6 month promotion of same as cash. 

On that same day ( XX/XX/XXXX in-store ), I payed {$100.00} towards the bill on an invoice that would not have been generated until the month of XXXX. On XX/XX/2021, I made the payment in full for {$190.00} via automated payment services in full via telephone system. 

I receive a call XX/XX/2021 to pay a {$66.00} late fee for two months! 
According to Citibank, my payment on the XX/XX/XXXX, XXXXgenerated a statement that stated that my payment in full was due XX/XX/2021. And that the Payment of {$100.00} was applied to a billing cycle of XXXX which previously had a XXXX balance! 

The payment that was made in cash ( {$100.00} ) was not credited to the future XXXX billing cycle, but rather to a XXXX billing cycle that was generated on the XX/XX/XXXX( that would be due on XX/XX/XXXX ). 

The Payment of {$100.00} was applied to a billing cycle of XXXX which previously had a XXXX balance! The automated payment system mentioned nothing of a late fee, when I payed the full amount on XX/XX/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 monetary relief
Consumer complaint received 2021-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Opened an Ally Online Savings Account on XX/XX/2021 The account was opened successfully via the web interface and I logged into their mobile app to check out the their user interface. I spent the day connecting and verifying my other external banks for transfers to Ally. I submitted some small transfers to Ally in order to test out their user interface. 

The next morning, XX/XX/2021, I finished the verification process and received a call from an unknown number claiming to be Ally to verify some information? I suspected a phishing attempt so I asked to call them back for security purposes and confirmed it was indeed Ally. The representative I spoke to asked me some security questions to which I answered and he informed me that my account was now verify and he would be opening up my savings account ( I had no idea it wasn't open ). He informed me that my account had to be funded within 30 days or it would be closed. I asked him if my transfers would be going through since I had initiated them prior to this phone call and he said they would, this was at XXXX I received an email at XXXX saying my telephone banking pin had been changed ( I never set this up ) and to contact Ally if I did not make this change. I tried to login to the mobile app at XXXX and received a notice that my account had been locked out so I called Ally to see what was going on. The representative on the phone transferred me over to their back department and the rep I spoke to informed me that my account was flagged and would be closed for suspicious activity and they would not be able to have a banking relationship with me. If I applied again my account would immediately be closed and there was no way I could appeal this decision. 

I pulled a XXXX report and everything is listed there are no issues there I find it strange that my account was only opened for a day, I had no money in the account, everything had been verified properly and then closed without explanation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I need your help, I noticed incorrect information being reported on my credit. From my understanding by law, you guys are supposed to report accurate information and your not. Please investigate these accounts for Maximum accuracy the remove NOW! Without permissible purpose anything on a clients consumer report without permissible purpose is considered identity theft.

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