vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
In XXXX of 2022. Pnc Bank closed acct ending in XXXX. There was an existing- {$960.00} balance. To satisfy this obligation I sent a promissory note for the amount. Pnc Bank kept the note and eventually credited the account. So I thought issue was resolved. A few weeks go past and the - {$960.00} was due again. I went to the branch and they said they didn't see the note applied. However note was kept and the account balance went to {$0.00}. So as shown in pics I then sent an additional registered note and it also was kept. However, this time they already illegally closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-08 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: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
An electronic bill payment was made on XXXX in the amount of {$290.00} to Ollo Card, account ending XXXX. It is now, XXXX  account does not reflect this amount in available credit, appears to be a hold on it. The same situation occurred with a prior e-bill payment, held for several days before released, a CFPB complaint was filed regarding that payment as well ... In regard to that complaint, Ollo Card rep chose to reach out AFTER reply to CFPB, in which case, call not accepted.. Had Ollo rep reached out BEFORE replying to CFPB, matter might have been resolved, unfortunately, rep chose to reach out after replying to CFPB as stated prior.. Should same situation occur this time around, call will not be accepted.. Due to prior returned ACH payments, Ollo is now holding any and all payments, including e-bill pay, which sent directly to Ollo, nothing to clear as the funds are sent directly... Please note, I've attempted to explain this to Ollo reps including a supervisor, unable to get hold lifted.

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 2022-12-08 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: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
On XX/XX/2020 during the COVID-19 Pandemic, I enrolled in a Payment Plan Agreement via the Target XXXX Account website. All payments were set to deduct automatically, and they did faithfully until the account was paid off in the following months. Upon checking my credit report, I discovered three late payments. Many disputes were made to correct these falsities in reporting ; however, the errors remained the same. No change to the inaccurate reporting ensued. A complaint was filed with the CFPB, which outlined many inconsistencies in the information I received as the consumer at the time of enrolling in the Payment Plan Agreement. Additional information was provided to include proof of Payment Plan Terms and posted payments. After the investigation, the company stated, At the time you agreed to your payment plan, your account was past due. After 3 months of on-time payments your account was reported as current. We are unable to change how your account is reporting to the credit bureaus. However, this was not outlined in any terms sent via email on XX/XX/2020. In the Payment Plan Terms sent by TD Bank, it clearly outlined the Minimum Payment Due on upcoming statements may be greater than the required fixed monthly payment because of past due amounts, but you are only required to pay your fixed monthly payment amount. No information was disclosed regarding credit reporting procedures or potential impending penalties for past due balances whilst in the Payment Plan Agreement. I, as the consumer, agreed to the terms ; however, TD Bank did not ensure all facets of information were disclosed prior to entering said agreement to ensure the ongoing health of my credit score. To no avail, I have made multiple attempts to correct this erroneous error and unfortunate mistake with the credit bureaus and the company itself. Despite my best efforts, I am still being penalized for enrolling in a Payment Plan during a worldwide pandemic due to undisclosed terms by the company at the time of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: SC

Complaint narrative:
i have contacted Experian, XXXX and XXXX about XXXX XXXX reporting on my credit report. i did contact the companies in which they did not and would not provide me with any validation of the debt they claim i owed. I am also aware that the company and credit bureaus have not been complaint with XXXX, and that my rights have been violated under XXXX. 
Additionally i am allowed under XXXX XXXX TO PROTECT MY PRIVACY AND MEDICAL RECORDS FROM THIRD PARTIES! I did not give XXXX XXXX XXXX permission to release my medical information to a third party! I am aware that XXXX does allow limited information about me but anything more is to be revealed with my authorization as a patient. 
After contacting Experian, the company stated the medical debt has been verified but i did not recieve -A VALIDATION OF DATE and XXXX AUTHORIZATIONS -DID NOT RECIEVE ANY BREAK DOWN OF FEES AND CHARGES, INCLUDING ANY COLLECTION AND MEDICAL COST. 
- DID NOT RECIEVE A COPY OF MY SIGNATURE WITH THE PROVIDER OF SERVICE TO RELEASE MY MEDICAL INFORMATION TO THESE COMPANIES

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 2022-12-08 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
15 USC section 602 states i have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan a late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.

Complaint narrative:
Dear Consumer Financial Protection Bureau Officers, Dear CITIBANK N.A. Management, Unfortunately I'm reaching out to you again for the recurrence of the issue I faced on my complaint XXXX. After 5 Months this issue is recurring causing a financial damage for me, unnecessary occupying of Financial Institutions manpower because of the lack of smart monitoring system. I'm a remote-employee for an XXXX company which remits my money on regular basis monthly via XXXX XXXX wire transfer. For some reason when my employer types my name in full : XXXX XXXX XXXX XXXX in a single line it triggers your intermediate bank risk assessment, However I've already gone through investigation from CITIBANK N.A. Having their reference number : XXXX. The issue now is coming up for my XXXXXXXX XXXX XXXX. The sender has remitted the money on XX/XX/2022 and now CITIBANK N.A. as an intermediary bank is holding the money and re-asking the same questions that was already provided not so long ago in the previous Investigation. Gratefully I was able to get the money on the previous incident after reaching out to your CFPB now I'm feeling sorry to re-engage CFPB in following up with CITIBANK N.A. 

Attached the XXXX XXXXXXXX Message for my current issue. 

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 2022-12-08 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: Continental Finance Company, LLC
State: CT

Complaint narrative:
XXXX XXXXXXXX refunded an amount of {$80.00} to my XXXX XXXX ending in XXXX on XXXX, shows posted as of today, XXXX, amount does not show in available credit which is now {$290.00}. My credit line is {$1000.00}. A purchase from XXXX XXXX in amount of XXXX was made on XXXX, however, my available credit should show around {$370.00} with return from XXXX XXXX including XXXX XXXX purchase.

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 2022-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
As consumer and natural person, was denied when I applied for credit by CITIZENS BANK, N.A on Loan Number ending XXXX XX/XX/2022. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C XXXX. 

CITIZENS BANK, N.A are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was XXXX  against by CITIZENS BANK, N.A. due to the response I received. CITIZENS BANK, N.A is in violation of 15 U.S.C Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( UNAUTHORIZED USE OF CREDIT CARD ) on behalf of CITIZENS BANK, N.A. I, the " consumer '', '' principal ', " surety '' '' beneficiary '' of the application. The loan should've been approved.Citizens One XXXX XXXX  also monetized the application. 
Citizens., NA XXXX XXXX  is in multiple violations.15 U.S. Code 1602 ( i ) in regards to using my SSN which is a credit card. The application that was filed is also being securitized and proceeds have been made without my knowledge. 

15 usc 1601 ( TILA ) Credit 15 usc 1692 ( FDCPA ) -Debt 15 usc 1681 ( FCRA ) -Consumer reporting/reporting/reports.

15 usc 1691 Equal Credit Opportunity Act Aka Discrimination from your creation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
i have contacted XXXX, XXXX and TransUnion about medical collections reporting on my credit report. i did contact the companies in which they did not and would not provide me with any validation of the debt they claim i owed. I am also aware that the company and credit bureaus have not been complaint with HIPPA, and that my rights have been violated under HIPPA.

Additionally i am allowed under HIPPA law TO PROTECT MY PRIVACY AND MEDICAL RECORDS FROM THIRD PARTIES! I did not give XXXX XXXX XXXX permission to release my medical information to a third party! I am aware that HIPPA does allow limited information about me but anything more is to be revealed with my authorization as a patient. 
After contacting XXXX, the company stated the medical debt has been verified but i did not recieve -A VALIDATION OF DATE and HIPPA AUTHORIZATIONS -DID NOT RECIEVE ANY BREAK DOWN OF FEES AND CHARGES, INCLUDING ANY COLLECTION AND MEDICAL COST. 
- DID NOT RECIEVE A COPY OF MY SIGNATURE WITH THE PROVIDER OF SERVICE TO RELEASE MY MEDICAL INFORMATION TO THESE COMPANIES

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 2022-12-08 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: SC

Complaint narrative:
i have contacted XXXX, Equifax and XXXX about medical collections reporting on my credit report. i did contact the companies in which they did not and would not provide me with any validation of the debt they claim i owed. I am also aware that the company and credit bureaus have not been complaint with HIPPA, and that my rights have been violated under HIPPA.

Additionally i am allowed under HIPPA law TO PROTECT MY PRIVACY AND MEDICAL RECORDS FROM THIRD PARTIES! I did not give XXXX XXXX XXXX permission to release my medical information to a third party! I am aware that HIPPA does allow limited information about me but anything more is to be revealed with my authorization as a patient. 
After contacting XXXX, the company stated the medical debt has been verified but i did not recieve -A VALIDATION OF DATE and HIPPA AUTHORIZATIONS -DID NOT RECIEVE ANY BREAK DOWN OF FEES AND CHARGES, INCLUDING ANY COLLECTION AND MEDICAL COST. 
- DID NOT RECIEVE A COPY OF MY SIGNATURE WITH THE PROVIDER OF SERVICE TO RELEASE MY MEDICAL INFORMATION TO THESE COMPANIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See document attached

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 2022-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
In accordance with the fair credit reporting act, this creditor ( GM Financial ) has violated my rights. Under 15 U.S.C S 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit account under an open consumer credit account as late for any reason. 

GM financial has reported my payment as late to all three consumer credit agencies which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I opened a dispute with Comenity Capital Bank on XX/XX/22. I recently received an incredibly vague letter from them on XX/XX/22 referencing the dispute in question. However, they failed to provide me with the Dispute ID associated with the investigation. I immediately reached out on XX/XX/22 to request this Dispute ID. It is now XX/XX/22, a full XXXX days after I initially requested the information and they have been giving me the run-around, even after multiple follow-ups. This is unacceptable. I need this information to track the progress of or provide evidence for the dispute. They keep telling me to call, but it was a failure on their part not to include it in the original letter, and I really dont want to sit on the phone for hours on end just to receive a piece of information they should have sent me. I have included a copy of the letter and sampling of the responses provided to me by Comenity Capital Banks XXXXXXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Its past the time an inquiry can report on my consumer credit report which is a violation. XXXX asking you to step in a reach out to this credit card company and have them to delete this item.

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 2022-12-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX some applied for a credit card through an airline credit called XXXX with the lender of Bank of America. I noticed this on XX/XX/XXXX. I have called all 3 credit bureaus freeze my credit with all 3 froze my credit cards I have on hand. I have called Bank of America to cancel the credit card.

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 2022-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was a cosigner on a auto loan for my Daughter-in-law 's car. Back in XX/XX/2020 Capital One auto finance came and took the car for a broken payment arrangement. I paid Capital the payment that day and got the car back from tow company. We've paid and had possession of the car until this year when it was sold to XXXX and paid off. I would like for the repossession to be removed from my credit report. It is affecting me from getting a loan. I believe it's only fair since we had and paid off the loan. Capital one never took full possession of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I Made an agreement with the XXXX XXXX XXXX XXXX To have my bottom floor living room bathroom kitchen and Family room in my Townhouse Located XXXX XXXX XXXX Pl XXXX, Florida XXXX tiled with XXXX porcelain Tiles with XXXX stairs hallway and XXXX bedrooms upstairs. The XXXX was to begin on Wednesday XX/XX/2022 at XXXX XXXX  and he never showed up lied and said he canceled night prior which I untrue in which he did not. Then came on Thursday XX/XX/2022 at about XXXX in the afternoon for half a day to pick up the tiles with no tools in which I had to rent the tools from XXXX XXXX and buy more products ( not informed prior ) a partial job was done. Owner advised he would come on Friday XX/XX/2022 and complete the job downstairs ( as agreed this would be complete for the ( XXXX XXXX ) in which he did not complete or even started the bathroom kitchen or family room. Left Friday at XXXX pm the job halfway incomplete and advised he will not be doing the job over the weekend but coming Monday XX/XX/2022 in the morning no show called XXXX XXXX XXXX XXXX XXXX XXXX  about XXXX he sent some young Teenage Looking boys who was picking up my expensive furniture to carry over the dirty area untiled area dust area ( The young boys who I dont think licensed also stated they advised him this can not be done ). Contact the contractor via phone call advised him to please come to the job site as this is not what was agreed upon and was advised that he will not be coming over Yelled at me and refuse to come and complete the job, I asked him to send me a full refund and was ignored. I am now left to pay another company to fix the job with damaged and broken tiles that said the contractor did not inform us they broke the tiles an responsible for replacing them. 


Enclosed are pictures of the incomplete and damaged work, and text messaged between both myself and Company and contractor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX, my employer deposited {$290.00} into my PayPal account. That same day, I transferred the money to my credit union checking account through the PayPal app. On XX/XX/XXXX, the funds were shown as having been deposited into checking ( ACH trace # XXXX ). However, on XX/XX/XXXX, PayPal reversed the transaction without authorization, and removed the full {$290.00}. ACH trace # XXXX I contacted PayPal and opened a dispute. They initially denied my claim but cited the incorrect transaction date ( XX/XX/XXXX ). Further, when I was able to speak with a representative, they indicated they could not find any XX/XX/XXXX transaction. In effect, they do not know why my money was withdrawn or where the money was sent/received. 

I would appreciate any assistance your agency is able to provide. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief