vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MD

Complaint narrative:
RE : PNC Bank 's wrongful dishonor of my properly payable check and PNC 's response to my initial complaint I thank XXXX XXXX for responding to the CFPB regarding my complaint that PNC wrongfully dishonored my properly payable check. For the most part, XXXX XXXX response merely reiterates my statements and provides little substantive information. 

Over the period of months during which I was a PNC customer, PNC Bank established a pattern of no-written-response to my contacts on the PNC website and to the email account of the XXXX branch manager as far as I am aware. XXXX XXXX did not provide a written response to my XX/XX/2023 email request to cancel the dishonored check until the written response submitted to the CFPB ; instead she merely emailed a request for a telephone conversation. XXXX XXXX statement via the CFPB that the dishonored check is the subject of a stop-payment order is welcome notification. 

I ask that XXXX XXXX clarify the issues by identifying in writing and in detail the certain circumstances that authorize PNC employees to refuse transactions by providing written bank protocols that identify those circumstances. I ask that XXXX XXXX identify those certain circumstances in the written material provided to me at the time I opened the accounts by page number and by paragraph on the designated page. 

In addition, I ask that XXXX XXXX clarify and identify the specific circumstances that authorized PNC Bank employee ( XXXX ) to refuse the transaction in the case of the wrongful dishonor of my properly payable check. 

The sole transactions in my PNC Bank accounts were large or large-ish dollar amounts ( with the exception of a single $ XXXX XXXX deposit of a cashiers check drawn on XXXX  XXXX Bank ) between generally recognized U.S. financial institutions into the accounts and then out of the accounts, again solely to other generally recognized U.S. financial institutions XXXX These large-dollar-amount transactions constituted NORMAL, USUAL AND CUSTOMARY account activity for me in my accounts at PNC. There were no other transactions. All transactions ( with the single $ XXXX deposit of a cashiers check exception distinguished above ) including the wrongfully dishonored properly payable check share identical attributes : large-dollar-amounts drawn-on and payable-to generally-recognized legitimate U.S. financial institutions. 

It appears XXXX XXXX and/or other PNC employees may not understand the test for normal transactions. I ask that XXXX XXXX provide copies of written instructions, policies and protocols for judging whether a specific transaction is normal for the specified customer in that customers accounts at PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
On XXXX  I contacted Santander via telephone to let them know that I could not make the full loan payment and I asked them to turn off the auto pay function and remove my bank account information. They refused to make any agreement with me to pay less than the full payment amount and gave me a phone number for collections. At that time the laon was current. They told me that they turned off the auto pay function and removed my bank account information. I called the collection company and they told me that they could not help because the loan was current. 

On XXXX  I logged into my Santander account and tried to make a partial payment and I added my personal bank account information back in. The website would not allow me to make a payment at that time as it stated it had to verify my personal checking account. On XXXX  I checked my personal bank account and Santander had auto debited my account for the {$480.00}. This was without my permission. I called Santander and they apologized but told me that there was nothing I could do. I know that what they did is a violation. I went to my personal Bank and they filed a dispute and got the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: GA

Complaint narrative:
YOU HAVE THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CONSUMER REPORT. 

XXXX. ) XXXX XXXXXXXX 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 Pursuant to the FCRA & the FDCPA I respectfully request for full accounting to be provided as proof of these alleged items, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately, I WILL FILE FOR LITIGATION.

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 2023-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is an inquiry on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX Miscellaneous and public record XX/XX/2022. 

The only thing that makes sense is some at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.

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 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I paid the balance due of XXXX on my Ultamate Rewards XXXX XXXX on XX/XX/, which was 2 days before the due date. When I got my XX/XX/XXXX  statement, there was an interest charge of {$86.00}. When I called to inquire about it, I was told it was " residual '' interest. This seems to be fraudulent lending practices. I have never had a credit card charge interest after the full balance has been paid. After a lot of discussion, they wouldn't budge, so I paid the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I DON'T HAVE ANY REPOSESSION ON MY ACCOUNT PLEASE UPDATE IT AND REMOVE IT TO 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
Consumer complaint received 2023-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-05-23 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: Thaxton Investment Corporation
State: MO

Complaint narrative:
Heights Finance continues to frivolously report to all major credit bureaus late payments in a blatant attempt to make my credit suffer although they have a judgement in court against me! They are reporting late payments although they have a attorney and judgement on me a {$5000.00} loan has turned into over {$12000.00} they are adding excessive interest knowing I am the " Head of Household '' and only required to pay 10 % a check pursuant to Mo law, and therefore will unfortunately never be able to pay it back! They refuse to help or be understanding of my " low income '' and being below federal poverty levels, they love to charge 50 % interest even though they have a judgement for that it is definitely highway robbery! Shame on Heights Financial for not being understanding and allowing me a payment arrangement without the 50 % interest I have to work as self employed as I unfortunately won't ever be able to pay them back with such high interest rates and plus reporting bad to credit is so unfair!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Skrill USA, Inc.
State: OR

Complaint narrative:
Not only were the Skrill disclosures confusing and missing information, they did not have me sign anything before creating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I requested 5/3 Bank to wire my savings to XXXX 3 weeks ago. The transaction was not successful since the money never showed up on my other account. But 5/3 doesnt know where the money is. Theyre trying to track it but still nothing after 3 weeks!! I have provided them with all the documentation but not even a partial credit has been given to my savings account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23 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: GA

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXXXXXX XXXX XXXX inquired on XX/XX/2022. 
The only thing that makes sense is some at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2023-05-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I DON'T HAVE ANY REPOSESSION ON MY ACCOUNT PLEASE UPDATE IT AND REMOVE IT TO 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 non-monetary relief
Consumer complaint received 2023-05-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX XXXX  XXXX {$280.00} XX/XX/XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX XXXX 
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 an 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 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 non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc.
State: MO

Complaint narrative:
I have had a block on my card that the company refuses to lift or replace the card since XX/XX/XXXX. 

I have called the company several times, they refuse to send me a new credit card nor unblock the one I have. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: AZ

Complaint narrative:
Company has refused to remove inaccurate information regarding late payments on my account as well as inquiries I did not authorize. I submitted the letters from the creditors advising the late payments being reported are inaccurate and to update them to pays as agreed on time and the credit reporting agency has failed to investigate and remove the inaccurate late payments

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 2023-05-23 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: NY

Complaint narrative:
XXXX  is showing XXXX late but account 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 2023-05-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: GA

Complaint narrative:
YOU HAVE THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CONSUMER REPORT. 

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 Pursuant to the FCRA & the FDCPA I respectfully request for full accounting to be provided as proof of these alleged items, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately, I WILL FILE FOR LITIGATION.

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 2023-05-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
YOU HAVE THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CONSUMER REPORT. 

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  Pursuant to the FCRA & the FDCPA I respectfully request for full accounting to be provided as proof of these alleged items, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately, I WILL FILE FOR LITIGATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: NY

Complaint narrative:
XXXX is showing XXXX late but account 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 non-monetary relief
Consumer complaint received 2023-05-23 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: NY

Complaint narrative:
XXXX is showing XXXX late but account was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had an account for a few years, recently ( XX/XX/2023 ) I choose to us the card. After not receiving a PAPER bill I contacted the bank in an effort to ensure the billing address and contact information was correct/current. to my surprise I was told I was enrolled in a an email/automated which i never requested for. I have always paid my bills with paper checks. this was a mistake the bank made, my fear is now my credit rating will be negativity with late fees, past due, and increased rates/fees. As of Monday, XX/XX/2023 I am still trying to get this resolved and I have not received the requested PAPER bill. 

Citi Bank is being deceptive and dishonest!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief