vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 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:
In accordance with the Fair Credit Reporting act XXXX accounts XXXX # XXXX XXXX  # 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.

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 2022-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio recovery bout my charged off paid of debt from XXXX XXXX. XXXX continues to harress me about this chsrge off. It should be remove from my credit report because it is illegal to continie to harass me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
We had a wire transfer not authorized by for XXXX twice on XXXX Bank then closed all of our accounts checking, savings, credit cards & debit cards. They would not let us access our accounts because of wire transfer fraud. We have banked at this Bank for 43 years. We have all of our money in this bank USSA no access to our money. We dont have any money to pay our bills and buy groceries. We dont want to be hit with a lot of overdraft charges for something we did not cause. Need to just get enough money out to pay our bill, House, Car etc

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 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
I been with BOK for about 6yrs, for the last few years i have had health problems and the latest losing my love of my life of 30yrs and our only child a son 24yrs a week a part to the virus. I spent time in the parking lot just to be close to them that was when you couldnt visit hospitals XXXX up until present its been rough after losng my family it triggered a XXXX XXXX i had heat XXXX in XX/XX/XXXX had XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and recently a battle with XXXX  myself. I had my family call BOK let them know about my health and i will be in to take care of it please dont charge my over draft fees. The lady told them she couldnt talk to them but would make notes to the account. But each time i came home i had several charges in fees each {$35.00} well over {$100.00} this last time after coming home from having XXXX  i explain itwas something that couldnt be help, they chastised me like i was a little kid and im almost XXXX old. I been giving up my medication to pay fees but i couldnt do it this time they have fixed it where if i wanted too open a new account i couldnt because they are reporting me as if i did this on purpose but has blacked list me from other banks, Butthe way they talked to me chastised me about my account. I need help out of this and im so stressed over it my XXXX XXXX is high now they are effecting other parts of my life. But i cant pay the checks and over {$100.00} in over drfts im on a fixed income ssi XXXX. They almost seem like loan sharks the way they talk to you borderline threats thru chastising

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom to may concern there is erroneous/ inaccurate information on XX/XX/2021. I am currently being hit with a bunch of hard inquiry 'd on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX / XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. I never gave any car dealership the right to run my credit score 6 separate times on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
When i opened account on XX/XX/2020 i was told this was a senoir account, and would not be charged any fees, when I saw fees i went into branch to fix this and clsoe account on XXXX they told me they woudl refund fees if i kept account open and switch to paperless billing filled complaint XXXX my account was put on hold many times where i had to go in branch to unfrezze account and that when they refused to cnacle

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 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX a contractor named XXXX XXXX of XXXX  XXXX XXXX XXXX charged my DISCOVER credit card for {$2500.00} for foundation work done on my property at XXXX XXXX XXXX XXXX XXXX TN XXXX I was in XXXX XXXX CA so I had no way of knowing if foundation work was completed or not had to trust his word... 

In XXXX of XXXX I get an email from my realtor that foundation work had to be done before house could be sold so she sent pictures and statements so I had work done again by another contractor XXXX and they fixed work meantime I called DISCOVER bank to get a dispute of {$1200.00} of the {$2500.00} since XXXX XXXX XXXX XXXX only did half the work. 

When I called DISCOVER bank in XXXX of XXXX they issued me a temporary credit of {$1200.00} and I sent documents to them what realtor sent to me so I thought that was the end. 

In XXXX of XXXX DISCOVER bank reverses charges and my account is now over the Ratio limit which kills my credit they informed me I needed necessary documents and once I sent all documents I was told sorry its been over a year we can't help you. That's sad when numerous agents assured me for months that I would receive relief and not to worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received an email from XXXX XXXX, an executive office case specialist at XXXX XXXX XXXX XXXX on XX/XX/XXXX following my concerns about two checks I recently received via mail from Wells Fargo in the amount of {$27.00} and {$26.00} on XX/XX/XXXX and XX/XX/XXXX. I filed a complaint with Wells Fargo and assigned XXXX XXXX to my case. My concerns were I was unsure of why I received multiple checks and if the checks were in fact valid and official Wells Fargo checks. XXXX stated in the email that XXXX XXXX XXXX XXXX would be sending me an addition check in the amount of {$50.00} for Customer Appreciation. Few days past and I receive a letter from Wells Fargo Bank N.A and inside is enclosed a {$50.00} check and the " For '' line on the check states that this check is for " Closed Deposit Account ''. Im curious to know if this is in fact the same check that XXXX was referring to or is this something different? I have attempted to reach XXXX and his chain of command but have been giving no concrete answers.

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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In XX/XX/XXXX I contacted all ( 3 ) Three Credit Bureaus, over the phone and also online submitted dispute ( s ) pertains to all of the incorrect information on my file. ( It was brought to my attention that my identity had been breached. ) See Below ; ( None of the addresses on file are correct ) My only address is XXXX XXXX XXXX XXXX XXXX La. XXXX Need to be Removed ( See Below ) XXXX XXXX XXXX XXXX XXXX, LA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX LA XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, LA XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX My Only XXXX # has been XXXX Please Remove Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Account that were Never Mine : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOTE : According to Code U.S.C 1681 Sec. 602A States that I have the Right to privacy.

U.S.C 1681 Section 604 A Sec. 2 My Privacy should be furnish without my written consent.

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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In XX/XX/XXXX I contacted all ( 3 ) Three Credit Bureaus, over the phone and also online submitted dispute ( s ) pertains to all of the incorrect information on my file. ( It was brought to my attention that my identity had been breached. ) See Below ; ( None of the addresses on file are correct ) My only address is XXXX XXXX XXXX XXXX XXXX La. XXXX Need to be Removed ( See Below ) XXXX XXXX XXXX XXXX XXXX, LA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX LA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, LA XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX My Only XXXX # has been XXXX Please Remove Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Account that were Never Mine : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTE : According to Code U.S.C 1681 Sec. 602A States that I have the Right to privacy.

U.S.C 1681 Section 604 A Sec. 2 My Privacy should be furnish without my written consent.

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 2022-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
On XX/XX/2021, somebody in XXXX  XXXX, TX used my name and social security number to open a utility service with XXXX XXXX XXXX. They then closed the account on XX/XX/2021 without paying the bill. XXXX XXXX XXXX sent this to collections. I just found out about it last month as it's on only my XXXX Credit report. 

XXXX XXXX XXXX needs this report to start the dispute to get this off of my credit report. I have also filed a police report. 

XXXX XXXX XXXX 's phone number is : XXXX. The account number is : 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 2022-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Upon receiving Military orders to XXXX XXXX, XXXX, Credit Acceptance said they do not allow the transfer of vehicles out of the country. I provided the orders and the vehicle was surrendered under these circumstances. While in XXXX, i was alerted by my security manager that my vehicle had been stolen. I contacted Credit Acceptance and learned that the vehicle was stolen from XXXX XXXX XXXX not me. Credit Acceptance continued indicating late payments on my credit report while the vehicle was stolen from there care and not mine. I addressed this issue with the company and was assured they would fix this. Over a year later, I go to purchase a home for my family and this is hindering me from moving forward. They insisted I fill out a dispute form and return. I refused due to this being an ongoing issue. My next step is this and then a lawyer seeing there are now damages. I will attempt to have this rectified through this agency.

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 2022-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I responded to a XXXX XXXX in XXXX. This is what the Ad said. The program is for individuals with good to excellent credit. If accepted in the program. We compensate up to {$5000.00}. Summary. Program. Get paid to use your credit. Legal Doc for partnership,, Quarterly Dividend, Free Credit repair with partnership, Contact XXXX for more information at XXXX. 
XXXX and I did. XXXX welcome me in the program. Met with me in XXXX Florida, l sign a contract l thought was real. He said the contract would show he was liable for any debt, l order cards for XXXX American Express, XXXX  XXXX XXXX. He had me to use his address .So l never received. Bills.. I never use these cards for anything, l think he paid online. Until he decided he was not going to pay anymore. He block me on the phone. I sent the police to the address he provided at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXX. XXXX Florida XXXX. This address is current. He charge over {$14000.00} with chase in which l never receive a bill l later found out through email. This scammer also charge over {$8000.00} on American Express. I am receiving calls Dailey. I want this debt charge to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I did not make any purchases on this card and I never received bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Union Bank closed my account after several times of asessing fees. After I transferred {$20.00} from my savings to checking then XXXX  it elsewhere leaving it empty waiting for maintenance fee to be assessed now they have negatively impacted my credit standing as well as additional fees in my saving account now placed in the negative. After siphoning out of account for ovsr the last year.

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 2022-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
XX/XX/XXXX some person open an account with XXXX XXXX/ No the creditor is Southwest XXXX XXXX  for {$60.00} in my name on on XX/XX/XXXX untill current someone opened a XXXX XXXX XXXX in my name In the amount of {$2100.00} You sent the police report to XXXX XXXX yet I still have this on my credit report. I do not do either of these these are not my debts and they are greatly affecting my credit I have filed the police report filed disputes and still nothing has happened they are still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Navy Federal Credit Union XXXX 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 and I did not give any written or oral instructions to do so.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: DISCOVER BANK
State: SC

Complaint narrative:
I am a XXXX and charged a {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) fee on XX/XX/XXXX for a test that is due to take place on XXXX XXXX. 

Soon afterwards, I found out that someone was using my Discover Credit Card and I opened a fraud claim with Discover ( this has been resolved, except for this issue ). ( Discover accidently included this {$450.00} test fee in the fraud claim ) and put a hold on the {$450.00} test fee to XXXX. I did not realize what had happened until XX/XX/XXXX, at which time Discover said they would release the hold on the {$450.00} test fee back to XXXX. 

On XX/XX/XXXX, XXXX still did not have their {$450.00} off the hold from Discover, so they credited my Discover account {$450.00} and asked that I resubmit a new payment for the test. 

In order to not miss the deadline for the XXXXXXXX XXXX, I paid with A DIFFERENT CREDIT CARD, {$450.00}, on XX/XX/XXXX to XXXX to take the test on XX/XX/XXXX. ( Proof of all of this has already been sent to Discover ). 

Discover received their credit from XXXX effective XX/XX/XXXX to my account, however, refuses to take it off my bill AND is charging me interest on the money. 

I have been to the XXXX  and I have had many conversations with XXXX in the Dispute Department at Discover. The last request from XXXX at Discover Dispute Department wanted a statement from XXXX with the fact that a credit is due to my credit card, the last 4 digits of the card, the effective date of the credit due, and the amount of the credit ( {$450.00} ). XXXX promised when she received this information, then the issue would be fixed. She received this information via email on XX/XX/XXXX within days of her request and now XXXX/Discover is still refusing to stop the fraud and financial abuse of me as a consumer. 

The most recent conversation was today XX/XX/XXXX at XXXX XXXX where XXXX from the Discover Dispute Department said they will NOT remove the charge that ( 1. ) they were credited back the money by XXXX effective XX/XX/XXXX and ( 2. ) the test/product that the money was for doesn't even take place until XXXX ( so the charge could be easily removed ). 

I thought your company would be my next step for a resolution to stop the fraud and consumer abuse ( I expect the {$450.00} charge to be removed asap AND any associated interest, and hopefully a written apology ). 

This is fraud at the highest level. I am curious how many other Discover customers are being fraudulated by the credit card company, Discover.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I received a bill with date listed of XX/XX/2022 from a debt collector : XXXX XXXX XXXX for the " your local yellow pages ''. I have never signed up for that company or for any other advertisements. I am a XXXX and the owner of XXXX XXXX XXXX. 
The balance they state I owe is {$390.00} for something I have never ageed to nor signed for. 

account number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: DC

Complaint narrative:
On XX/XX/2022, I purchased a wig from XXXX XXXX for {$1400.00} using my PNC debit card ( cash ). I realized the wig was of very low quality and returned the wig to XXXX XXXX on XX/XX/2022. The owner refused to provide me with a refund. I left the wig with the owner and told her I would submit a dispute with PNC bank. I submit several requests to PNC and they have refused to credit my cash back to me stating the 90 time period has expired. I've spoken to several PNC reps and was never informed of a 90 day timeframe. As a matter of fact the last dispute form I received was mailed to me in XXXX and I faxed and emailed it back to PNC. I've been told several times by the many reps I spoke with that it would be taken care of. As of today, there has been no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
First I was charged a XXXX late fee for paying a few minutes late. I was not aware of the time limit and XXXX  XXXX  XXXX Comenity Bank refuse to waive fee. This was the first time I was late. 
Secondly, my payments are not being applied to the lowest interest balance. 
XXXX  XXXX  XXXXComenity Bank refuse to make the necessary adjustments after I contacted them regarding the issue.

Company response to consumer: Closed with explanation