vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/XXXX, we ( my wife and I ) went to a Timeshare presentation provided by XXXX in XXXX XXXX by XXXX. 

XXXX. When the presentation was finished, we told the sale rep that we were not interested, and were just there for the gift. The sale rep played this game where she said okay, since you are not interested, let 's go ahead and finish the process and they can let us out of there with our gift. She went ahead with her tablet, asking us to put in our social security number and sign. I had a doubt, so I asked : " Are you performing any kind of hard pull ''. She said no, that was just for qualification check. She didn't say what qualification, therefore, based on what she said, we were just assuming she needs it to qualify us for the gift to get us out. 
Please note that in this whole process, she never even mentioned XXXX world called " credit card ''. Soon enough, we saw a hard pull on our credit. A few days later, a new credit card was made in our name. 

XXXX. Sure enough, we went on XXXX and search for this XXXX and found : Countless of people had the same problem where they applied for a credit card and performed hard credit check by tricking people. Please note that with a brand name behind their back ( XXXX ), it is very easy to trick people by manipulating their decision making. For example, If I go to XXXX Bank today to open a checking account, and If I have never gone to a bank before, XXXX could easily apply a credit card for us by telling us to provide SSN and ask us to " sign here '' in their tablet. Nowadays everything can be done electronically, and the signature page is only at the bottom or the last page. Therefore, they can just present us the signature page ( which is what XXXX did to us, they only shown us the signature page asking us to sign to be done ), and we are tricked because we think XXXX is a big company and they wouldn't do that. 

XXXX. Please note that this complaint is about fraudulent activity that XXXX did to manipulate and trick people to sign. This is proven by countless XXXX reviews from different time and clearly, it is not a coincident that many people had the same problem. XXXX knew about this and purposely did this to trick people to apply. We are applying for a loan, and I have more than XXXX credit cards in my name already ( with 0 % utilization ). I clearly know when I want to apply for a credit card and there is absolutely no reason or incentive whatsoever for both of us to apply for XXXX credit card there.

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 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, 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: DC

Complaint narrative:
I requested for Experian to remove inquiries that were fraudulently placed on my consumer report. I have no open accounts with these businesses. I am requesting for them to be removed immediately because I don't agree with them. 

The following inquiries must be removed as I did not initiate them or authorize any party to do so : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to DELETE immediately : XXXX -Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: Jon Barry and Associates, Inc.
State: GA

Complaint narrative:
I have sent letters to the credit bureaus and to PARAGON XXXX on XX/XX/2021, in regards to a debt said to be owed in the amount of. The creditor is reporting inaccurate information on my credit report and it is affecting me. The Last Active date is a year off across all XXXX credit bureaus. According to XXXX U.S. Code 1679c a consumer has the right to dispute inaccurate information found on their credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist charged me overdraft fees of {$100.00} total on XXXX separate purchases for which I had money in my account to cover. When I called, they claimed that other charges ( which did not even show as pending in my account until today, XX/XX/21, when I received my paycheck ) were responsible. However, I was not charged for these purchases but instead charged for the XXXX purchases for which I had money. I keep my own balance of my account as well as checking my balance daily online to ensure I do not overdraft. Truist only offered to refund {$72.00} of the {$100.00} overdraft fees I was charged as they said their system would not approve more and no one could override it.

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 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I requested for Equifax to remove inquiries that were fraudulently placed on my consumer report. I have no open accounts with these businesses. I am requesting for them to be removed immediately because I don't agree with them. 

The following inquiries must be removed as I did not initiate them or authorize any party to do so : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Incorrect payment history being reported by Experian.

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 2021-11-19 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This XXXX accounts is inaccurately and erroneously reporting on my Credit Report. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section XXXX and according to FCRA XXXX XXXX. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about my concern to this accounts. Please investigate and remove this following accounts completely from my Credit Report : XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXL ( Original Creditor : XXXX ) XXXX Balance : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the XXXX XXXX XXXX XXXX, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. KIndly REMOVE below the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employers : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: CITIBANK, N.A.
State: AL

Complaint narrative:
Because of this incident, I have 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.

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 2021-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Because of this incident, I have 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
I have a inquiry for Credit Acceptance  XXXX XXXX XXXX XXXX on XX/XX/2020. I didn't authorize this request.

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 2021-11-19 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I ordered a device from XXXX XXXX but later asked for a refund. XXXX never shipped the item and therefore, was never received. I waited over 10 business days for a refund after receiving confirmation that the refund had been sent. Nothing has appeared on my account. 
I contacted Chase, which the refund should have went to my Chase account. They told me it was too old to dispute and to contact the merchant. The merchant is unresponsive and I have not received my {$420.00} from a charge on XX/XX/2021. I never received the order or a delivery confirmation. 
I informed chase I will be filing a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Financial Inc.
State: AR

Complaint narrative:
I opened a SELF credit builder account XX/XX/2021. My monthly payments have added up to {$250.00}. I closed my account XX/XX/2021 due to SELF not assisting me in building my credit. In fact, it has nothing. SELF is not refunding me my money. Also, they have stated the additional fees that were not made clear that they are taking out. When I closed the account, I received an email stating the account would close at XXXX XXXX. on XX/XX/2021 and that my money would be refunded to my bank. SELF is now taking out additional fees and procrastinating with my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$1500.00} XXXX  XXXX XXXX {$11000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} STATE XXXX {$2500.00} COMNWLTH XXXX {$780.00} STATE XXXX {$9300.00} STATE XXXX {$2600.00} XXXX {$30.00} XXXX {$690.00} XXXX {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: Credit Technologies, Inc.
State: NC

Complaint narrative:
I have 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. I want an answer immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: PNC Bank N.A.
State: NC

Complaint narrative:
I have 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. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
On XX/XX/21, I deposited a check into my Ally Bank Checking Account using the Ally Bank App so that I could get proof of funds to my loan officer and get money into escrow as we just bought a new home. Friday XX/XX/21 I never saw the funds in my account. Usually it shows up right away or next day. I gave Ally Bank a call and they said they could not help me with any funds and that the money I put in the account could not be used until a whole week later! This has to be criminal!!! This is MY money that I need to right away or I can not close on a house and the bank tells me I can not use it! That is just down right wrong. Something needs to be done about this. Now most likely won't get the only home I have ever wanted or ever will want ; my grandmothers old house. Thanks to Ally Bank for potentially ruining my life. What a messed up way to run a business!

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 2021-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This item is in collecting affecting my credit. Account was sold to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: AL

Complaint narrative:
Because of this incident, I have 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.

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 2021-11-19 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 — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Hello, My BBVA Bank credit card ( ending XXXX ) had many fraudulent charges starting on XX/XX/2021. This was due to a massive breach affecting other XXXX accounts. 

I made numerous efforts to have XXXX acknowledge the breach, which they never did. I got some minor resolution and paid off the balance just to move on. I'm a XXXX XXXX, aged XXXX and didn't have the energy to keep fighting them. 

I requested to have the account closed and was assured it will be done, well prior to completion of acquisition of BBVA by PNC. 

This morning I started getting alerts from credit monitoring services that PNC has reported my credit card account as 30 days late and it has severely damaged my previously stellar XXXX credit record. 

I'm very upset at this terrible behavior first by BBVA and now PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: DE

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Unity Asset Management
State: FL

Complaint narrative:
XXXX ( XXXX ) XXXX I received a call from the above listed number numerous times every single day for several days. Every time I answered they would represent themselves as a law firm but clearly try to hide the fact they werent a real attorney stating that if I didnt pay them money over the phone a lawsuit would be filed against me. They would not give me written notice about any debts either. When I asked if they were a collections agency attempting to collect a debt they stuttered repeatedly and tried to claim they were a law firm and they handle different matters. When I asked for proof of the debt they said theyd file against me in court since I wouldnt pay and hung up abruptly. After doing a search online it seems this debt collection company possibly with the name Unity Assets or something similar uses these tactics to scare people in to giving them money over the phone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a citi priority checking account on XX/XX/2021. And I transfer {$10000.00} from XXXX XXXX  to this citi checking account. Then my citi checking account was closed on XX/XX/2021. They don't provide the reason why they closed my account and don't refund my money.

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