vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I made a complaint about Chase for a joint account I had with my Daughter 's back in XX/XX/XXXX they finally sent a letter on explain what happen. I understand them taking my money out of my private account to making the account good with the joint. And close both account. On XX/XX/XXXX Spoke with XXXX Chase employees and they advise me on a record line that I would received the remain balance XXXX??? in XXXX to 7 days that was taking out of my private account without my daughter 's name. But as of XX/XX/XXXX I have not received a check, so I called to speak with the same employee and he advised me that my check was sent to my daughter and it was nothing them could do, because they account was close. I ask why did yall give my money to the person that account was in the negative and my account made it good. That don't make sense. He said they are the Bank and they would do whatever they want to. I begin crying and saying can I speak with XXXX please. this cant be right it was my remain balance not my daughter 's. The money was in my private account without her name. So can the bank send me to whoever they want?? please help me understand. I did right and pay a off set on a joint account but cant get my remain balance back. Also this was account was set up when she was in College XXXX XXXX XXXXXXXX when do they terminate a college account she is XXXX XXXX  now. So the BANKS have no accountable when they do wrong. Why the check was not made out to both of us and if it was she was able to cash that mean fraud happen. HELP someone help me make sense of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Good Morning. 
Bank of America reported late payments on my credit card for more than 60 days. I already talked to the bank and it was an error by the bank, I made a claim and they corrected the error but my credit report continues to show late payments which lowers my score, they made the update XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am really worried about this situation, I talked with Bank of America today and they tell me that the best solution is call o made a claim with CFPB. Thnak You so Much.

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 2023-01-31 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: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the following accounts : XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX : Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and provide proof with statements showing that these late payments were late. If proof can not be provided, I demand these payments be updated as on time as they should because I was never late.

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 2023-01-31 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: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX, my credit score with XXXX was XXXX & with Equifax it was XXXX.I closed a credit card account I had-XXXX  XXXX, I paid them off in full but in XXXX, they reported to the 3 major credit agencies that I was 30 days late.I sent XXXX, Equifax, * XXXX PROOF that I paid this account in fullXXXX XX/XX/XXXX, XXXX raised my score up to XXXX & XXXX XXXX XXXX XXXX XXXX XXXX followed them with the exact same score.ONLY EQUIFAX, from last XXXX XXXX UP TO NOW STILL HAS MY SCORE AT XXXX!!!!!!!!! I checked my score with XXXX in XXXX, it is XXXX XXXX, I received an e-mail stating XXXX XXXX admitted I was NEVER LATE WITH ANY PAYMENT!!!!!!!!!! I've sent all PROOF along with other numerous letters to Equifax-THEY REFUSE TO RAISE MY SCORE AT ALL!!!!!!!! HOW CAN 5 credit agencies have my credit score at an EXCELLENT RATING & Equifax HAVE IT AT ONLY A FAIR RATING? EQUIFAX IS BEING TOTALLY UNJUST, UNFAIR, & INCORRECT WITH ME & MY CREDIT SCORE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, In XX/XX/XXXX, I went to Best Buy to get a printer. The representative informed me that I was unable to use my store card. They advised me to open a new account in order to be able to buy the printer when I questioned why, saying that it doesn't show them why. I actually did it. I just started considering purchasing my son 's duplex, and when I checked my credit report, I discovered a Best Buy late payment from XX/XX/XXXX. I had XXXX open accounts with Best Buy, and they informed me of this when I spoke with their cardmember services. The older account had a late payment on it that was over XXXX  days old. I also explained what had transpired when I entered the business, and they promised to file a complaint. On XX/XX/XXXX, I received a letter stating that they had determined the information on my credit report to be accurate. They didn't try to assist me in any way. By providing misleading information to the credit bureaus, Best Buy has violated the Fair Credit Reporting Act, and now the Credit Reporting Agencies have broken the law by providing inaccurate information on my credit report. I have no other option at this time except to file a complaint because my livelihood is currently being threatened by this issue.

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 2023-01-31 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: TX

Complaint narrative:
I have contacted Experian numerous times for the last 5 years are so with the inaccurate information they have been reporting on my credit profile. I spoke to Experian Special Services on XX/XX/2023, they have promised me to fix the errors on the credit profile, yet they did not correct all of the information. 

I called Experian today and spoke to XXXX XXXX in XXXX. XXXX XXXX was not only disrespectful but declined to correct any of the inaccurate information. My call was transferred to XXXX XXXX, Special Services, I have to go through the similar situation, I have explained to XXXX XXXX about the issues on my credit profile, after several repetitions, I requested to speak to a Manager/Supervisor, as always I was told there is no one available. 

I am waiting for a Manager/Supervisor to call me back to understand the issues I have been facing for over 5 years now and correct my credit profile with accurate information.

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 2023-01-31 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 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 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 2023-01-31 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Companies have not complied with Identity Theft laws, procedures, statutes, codes and rules, to block delete remove information within XXXX business days - complaint # XXXX, XXXX and 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 2023-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Portfolio Services, Inc.
State: MS

Complaint narrative:
inquires on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I purchased a 3 pack of Vanilla VISA gift cards at XXXX on XX/XX/XXXX for XXXX gifts. The 3 pack consisted of three {$20.00} gift cards and I paid a total of {$68.00} for the pack. After XXXX the recipients attempted to use their cards and they were declined as the cards have no value on them whatsoever, which was then confirmed by checking the balance of the cards using the phone number on the back of the card. I have been trying to get in touch with the company, XXXX, for weeks now via the number on the back of the card. Currently I have 1 card on my possession as it was given to my son for XXXX - the other 2 recipients are not local to me. At any rate, the hold times have been extremely long but I finally got in touch with them today ( XX/XX/XXXX ). I spoke to a representative, XXXX, who was extremely rude. The worst customer service I have experienced in a long time. She said she would open a case- I reluctantly provided her all of my personal information - information that truly I did not feel comfortable providing as I have just gotten scammed by this company ( or at least by the purchase of goods from this company ). I provided my name, DOB, address, phone, email, all of the receipt information from when I purchased the cards. However, she then asked for a copy of my drivers license front and back - that is ridiculous!!! Ive been scammed out of {$69.00} and now the company involved in the scam wants me to give them enough information to scam me again. Thats crazy! I asked multiple times to speak to a manager which she refused to transfer me. She also is requiring copies of all 3 cards which I had already told her I only physically have 1, the other 2 are over 200 miles away as they were given as gifts which turned out to be completely useless gifts. I told her I was going to file a complaint and she then said well if youre going to file a complaint then we wont be able to open a case or reimburse you. Horrible, horrible customer service! I havent been refunded, at this point they are refusing to refund without a copy of my drivers license. When I asked what exactly they need all of this information for, she had no answer other than Its required. I know for a fact it is not required to open an investigation, and would gladly send a picture of the receipt and the gift card that I do have in my possession, but I will not release a copy of my drivers license to a company thats involved in scamming consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNCBANK charged me a fee of XXXX on XX/XX/XXXX but I have a monthly average of XXXX so i should not have pnc removing money out of my bank account PNCBANK charged me an international fee on XX/XX/XXXX of XXXX and did not refund me fee even after I got a refund for the purchase. The purchase was in made in USD with the seller. 

PNCBANK customer service did not waive any of the fees and denied me access to my bank account, I was logged off. 

PNCBANK and employees are liars and thieves trying to impose financial terrorism on the populous

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, FL XXXX. My ssn is : XXXX. 

I hold an account with Suncoast Credit Union in XXXX. My account number is XXXX. On XX/XX/XXXX XXXX a forged check number XXXX in the amount of {$1900.00} was presented and honored by the bank. As soon as I discovered the fraud in early XXXX, XXXX, I filled out an affidavit of fraud and took all steps required by the bank to receive my funds back. 

This account has never had checks issued to be used with it. The account has solely been used as a deposit account with electronic transfers out of the account along with the use of a debit card. Notwithstanding the fact that no checks have ever been issued for this checking account, the above referenced check was presented with an address unassociated with me, with a clearly forged signature, and made out to an unknown person. This could not have been a stolen check because none has ever existed for this account. 

I have had several similar issues with Suncoast which were resolved expediently. Those issues involved a money market account under the same account number. No checks were ever issued for that account either and the fraud was identical : unknown address, forged signature, and unknown person. At that time, despite my request that the account be closed, Suncoast assured me that I did not need to close the account and merely changing the suffix was sufficient. Obviously that was ill advised. 

I have been in contact numerous times to determine the status of the return of my funds. Each time I have been given the run around to the effect that they are processing the request. When I spoke to them this morning ( XX/XX/XXXX - more than 3 months later ) they claimed that they needed to do their due diligence and that they were extremely busy. This is unacceptable to me. This is clear fraud identical to fraud for which they refunded my funds within a couple weeks. They have failed and refused to refund my funds in a timely manner. 

The handling of this matter and the entire series of frauds committed on me has been abysmal. I have received contradictory advice from different representatives and different stories justifying Suncoast 's failure to return my funds. My entire family is leaving Suncoast over this matter. We have been with Suncoast for 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
A hard inquiry was made on my credit report on XX/XX/ by XXXX XXXX which I did not authorize. 

On my credit report it shows that a credit card was opened on XX/XX/ which I did not authorize. 

Account info Account name XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XXXX Status Open/Never late. 
Status updated XXXX XXXX  Balance {$4300.00} Balance updated XX/XX/ Recent payment $ 0 Monthly payment {$44.00} Credit limit {$4300.00} Highest balance {$4300.00} Terms NA Contact info Phone number None provided Address XXXX XXXX XXXX XXXX XXXX XXXX  Since no phone number is provided, I was unable to call them. I've reached out to XXXX to report this fraudulent activity and they recommended that I file a report online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I've been paying my mortgage on time over the last 12 month with XXXX XXXX XXXX. Somehow, from XX/XX/XXXX to XX/XX/XXXX, they did not clear my check- which was sent to the same address as before. Then I received a delinquent account report and dropped my credit score by XXXX points. I contacted the bank to explain, but they told me to contact the major credit bureaus. I was only able to contact XXXX but not TransUnion or XXXX. Would be helpful by them to open an investigation on this matter.

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 2023-01-31 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: OH

Complaint narrative:
I've been paying my mortgage on time over the last 12 month with XXXX XXXX XXXX. Somehow, from XX/XX/XXXX to XX/XX/XXXX, they did not clear my check- which was sent to the same address as before. Then I received a delinquent account report and dropped my credit score by XXXX points. I contacted the bank to explain, but they told me to contact the major credit bureaus. I was only able to contact XXXX but not XXXX or Experian. Would be helpful by them to open an investigation on this matter.

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 2023-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Access Loan Services Inc.

Complaint narrative:
O was looking for a loan a personal loan and I found an add on XXXX about a compang that grant personal loans. I contacted the on theyre website and after I complyed with theyre demands and payed XXXX XXXX XXXX upfront fees they didnt gjve anything and they dont answer to my emails Www.accessloanservice.com XXXX XXXX XXXX the persoan witch I payed the money in a XXXX account

Company response to consumer: Untimely response
Consumer complaint received 2023-01-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Yamaha Motor Finance Corporation USA
State: ID

Complaint narrative:
On XX/XX/XXXX of XXXX I had bought a XXXX yamaha motorcycle from XXXX XXXX XXXX. I was able to register the motorcycle in the state of XXXX XXXX the same state that XXXX XXXX had it previously registered. I have recently moved to the state of XXXX and I am trying to register the motorcycle here in XXXX I do not have a lien release, as shown in the picture of my title there is still a lien listed on the motorcycle with XXXX XXXX. I have reached out to XXXX XXXX  multiple times spending hours on the phone with multiple representatives. They are not able to assist me due to my name not being on the account. I have reached out to XXXX XXXX over XXXX XXXX but due to him being stationed in XXXX ( he is in the XXXX XXXX ) he is not able to help me. I have reached out to his father who has power of attorney he has not responded to me after one or two conversations. I have recently put in a request with the FDIC but due to XXXX XXXX still being open they will not assist me. This is my last point until I take the legal route as I am trying to avoid that to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am challenging an account that Experian is reporting on my credit report. I had an agreement with the creditor to delete the account once it was paid. I sent a letter to Experian last month informing them of this, but my request fell on deaf ears. I do not believe that Experian started an investigation. I do believe that they are ignoring a lot of consumer complaints, and this violates us as consumers and violate many FCRA laws. I will attach the letter that is dated, and time stamped for your reference. I will also attach the account which clearly states that it is paid. I reached out to the creditor, and they informed that no one from Experian reached out to them to inquire about the account. I am demanding that this account be deleted from my credit report due to the agreement that I had with the creditor and the negligence on behalf of Experian. Also, Experian is not reporting accurate information. The status says paid, 60 days late, but the payment history shows different data. How is this accurate? Please see the attached documents and remove the account from my 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