vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX : Applied online, given error code NH, told to call, called, repeatedly hung up on by company TransUnion : Applied online, given error code NH, called, repeatedly hung up on by company XXXX : Applied online, given error code NH, called, repeatedly hung up on by company

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX : Applied online, given error code NH, told to call, called, repeatedly hung up on by company XXXX : Applied online, given error code NH, called, repeatedly hung up on by company Experian : Applied online, given error code NH, called, repeatedly hung up on by company

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 2023-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
As of XX/XX/2023, I refinanced my car loan from XXXX XXXX XXXX XXXX XXXX XXXX. XXXX rejected that check and sent it back to XXXX. XXXX sent out another check XX/XX/2023 and that check was cashed to XXXX but was never applied to my account. Upon verifying with both credit unions XXXX and myself came to the conclusion the XXXX did indeed cash the check according to our copy of the check being stamped for the date XX/XX/2023. XXXX  is not agreeing to cashing it at all and keeps stating that it was rejected and sent back, yet the check was stamped as cashed towards another bank, 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 2023-08-01 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: MN

Complaint narrative:
Comenity closed my XXXX account several years ago but I still had a balance. I have been paying the min payment of {$30.00} for years. I noticed in XXXX that my balance was {$32.00} so I decided to pay over the min payment of {$30.00} and just pay the balance on the due date. I submitted a manual payment and stopped my auto pay since now the balance was XXXX. 
I got an email today saying I needed to make my payment for {$2.00}. When I logged in, I checked my statement and it says this is the minimum interest charge. I feel this was an error since the account has been closed for years and I paid the balance in XXXX. 
I called the card company, explained this- we agree that the account is closed, and I paid the total balance due on the due date. However- they are trying to tell me that I owe the {$2.00} because of " residual interest '' and its from an old purchase. I do not accept this explanation and I told them to XXXX out the account and remove the fee since the account is CLOSED. They were unable to do this. I advised I would be making a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
2 Months Ago, I filed a claim to BOA ( Bank of America ) that I did not recognize. The transactions were happening in XXXX California, while I was heading down to Texas ( im including time stamps of me driving down ) of the amount {$4300.00}, was taken out of my account consecutively. Starting on XX/XX/XXXX under the transaction name of BKOFAMERICA ATM # XXXX XXXX WITHDRWL XXXX XXXX XXXX CA '' of the amount starting off with {$300.00} almost everyday was taken out of my bank until XX/XX/XXXX of {$300.00}. Claim # 1 : XXXX Filed onXX/XX/23. They denied me first on XX/XX/2023. They said charges were issued and authorized or gave permission to authorize, when I didnt. The card was sent to my mothers house and I didnt even activate it yet, but someone was withdrawing {$300.00} a day out of my account. They suggested scammers used cybersecurity breaches to get ahold of my account. With it being compromised. 

I just reopened the claim today XX/XX/XXXX, and if they deny again then im going to file a police report suggested by my attorney, and create a letter explaining why Im not happy with the denial. Currently waiting on the re-opening approval. 

An agent under the the consumer information bureau name XXXX XXXX told me the same happened to her for when she was in New York and when the withdraw happened, the bank did not approve her either.

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 2023-08-01 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Re : Complaint for Resolution of Inaccurate Account Reporting by XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an inaccurate and misleading account listed on my credit report with the credit bureau. The account in question is associated with XXXX XXXX XXXX XXXX and has been reported as " Closed '' and " Charged-off. '' My name is XXXX XXXX, and my date of birth is XX/XX/XXXX. The account details are as follows : Account Name : XXXX XXXX XXXX XXXX Account Status : Closed Type : Auto Responsibility : Joint Account Remarks : Charged off account Last Payment Date : XX/XX/XXXX Current Payment Status : Charge-off Worst Payment Status : Charge-off Balance : {$32000.00} Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment History : Youve made 100 % of payments for this account on time. 

I have thoroughly reviewed my credit report, and I believe that there are inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ) in the reporting of this account : XXXX. Lack of Clarity on Account Status : The account is listed as " Closed, '' which may mislead creditors and lenders regarding the current status of the account. As a responsible consumer, I am concerned that this inaccurate reporting may negatively impact my creditworthiness. 

XXXX. Unsubstantiated Charge-off Status : The account is reported as " Charged-off, '' indicating that the creditor has written off the debt as uncollectible. However, this information does not provide any details on the date of the charge-off or the circumstances leading to this status. The FCRA requires accurate and complete information to be reported, and the absence of crucial details raises questions about the veracity of the reported status. 

XXXX. Insufficient Payment History Details : The payment history section does not provide a detailed breakdown of payments made on this account. As a result, I am unable to ascertain whether the payment information is accurately reflected on my credit report. 

Given the seriousness of these discrepancies, I hereby request the Consumer Financial Protection Bureau to investigate and facilitate the rectification of the inaccurate reporting by XXXX XXXX XXXX XXXX. I believe that the discrepancies listed above warrant immediate action under the FCRA to ensure the fairness and accuracy of the information provided to potential creditors and lenders. 

I appreciate your prompt attention to this matter and request that you keep me informed of any actions taken in response to this complaint. 

Thank you for your dedication to protecting consumers ' rights and ensuring fair credit reporting practices. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I contacted Wells Fargo regarding a deposit that was made for a check which was made payable to both myself and my mortgage company XXXX by XXXX XXXX for mold damage rebuild to my home at XXXX XXXX XXXX XXXX XXXX, GA. The check was deposited by a third party into the ATM at Wells Fargo. The check was made payable to myself XXXX XXXX and XXXX XXXX. The check was deposited without the endorsement from XXXX. I contacted the bank along with the depositor XXXX XXXX to have the check returned unpaid. When the bank was contacted about the error in the deposit they refused to return the check to XXXX XXXX marked unpaid so a new check can be issued to complete the rebuild for my home. The check shows " processed '' on XXXX XXXX XXXX side so they will not issue or recall the check until proof is provided that the check has not been honored. 

Several attempts have been made to resolve this issue with the Resolution Department for Wells Fargo and I was advised by them to go with XXXX XXXX to a Wells Fargo branch and a letter would be given to me that provides proof that the check will be returned unpaid. After several attempts that has not been done. XXXX XXXX will not issue a new check until the old check is either returned to them or proof provided that the check has not been cashed. 

I am in HOTEL and can not move forward with the rebuild of my home without the funds that payment has been retuned. I have XXXX claim number for the Resolution Department for Wells Fargo, they are XXXX XXXX I have been told on XXXX separate occasions that the only thing that needed to be done was for me to go with XXXX XXXX to the bank and a letter would be provided which proves that the check has not been cashed. Without this information, I am still displaced and living in a hotel because repairs can not be made without the check from XXXX XXXX. 

Please help!!!

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 2023-08-01 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: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd
State: CA

Complaint narrative:
Account with TransferWise Inc. was opened a couple years ago. After customer transferred money to account, they decided to close our account. So, we don't have access to our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/XXXX I received an email from Citibank informing me that I was late on my payment ( it did not say which account ) but the balance was {$780.00} I immediately called them since our actual balance was {$5.00} on the only card we had with them. 
Initially, Citibank would not give me any information as to which card this email was referencing to or what were the charges made. 
After several calls to them, they gave me the last 4 numbers of the card in question ( XXXX ) and stated the card was opened on XX/XX/XXXX. I told them I never had a card with that number, and asked why this was the first time I was notified of this account through an email. I requested a copy of any statements they had, and asked again why I had never received any statements or correspondence on this card. 
Once I received the statements, I saw the card had just been used on XXXX XX/XX/XXXX at a local XXXX 's XXXX for the amount of {$600.00}. 
I obviously had not made that transaction, and told them so. On XXXX XX/XX/XXXX, Citibank put a freeze on the card in question, after discussing this with them once again, and they indicated their Fraud Department would begin an investigation. They also sent me an email advising me that the investigation was ongoing and no further action was needed on my part until the investigation was finished. Citibank has continued to send me weekly emails telling me I am late on my payment and until recently ( stopped at my request ) was receiving daily calls asking me to make a payment. I am still receiving emails telling me I am late on my payments and they have even added late charges to the original amount. 
On XX/XX/XXXX I received another email from Citibank telling me to check my XXXX Score and to see why it had changed. I opened their link to the XXXX score and saw that my score had gone from XXXX to XXXX. 
On one of their latest emails dated XXXX XX/XX/XXXX, the statement balance is now {$960.00}. 
On the most recent email dated XXXX XX/XX/XXXX, Citibank indicated that this account will be referred to a collection agency. 
We have been working with XXXX XXXX with XXXX XXXX XXXX, and have contacted Citibank on numerous occasions trying to resolve this issue but have gotten very little support from Citibank. After initially contacting them on XXXX XX/XX/XXXX, we were told that they would open an investigation, and they would notify us with their findings. It was months later in XXXX, when we contacted them once again, we were then notified that they had closed the investigation three days after the investigation had been initially opened ( XXXX XX/XX/XXXX ). We never received any official notification from Citibank about this investigation being closed, as we had been told.

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
Consumer complaint received 2023-08-01 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: FL

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.

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 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Around the XXXX of XXXX I went to PNC bank for a deposit at the drive thru. The manager/teller took it upon herself to verify a cashier 's check without my knowledge. I was in the drive thru for almost thirty minutes, so I decided to walk in and check on what was the issue since there was no courtesy of updating me. The manager/teller purposely gave me incorrect information saying that checks from a particular company have to be verified first. Moreover, after verifying the check she made the deposit, the very next day all of my accounts were blocked and restricted. I was told its nothing I could do with my accounts being under investigation for thirty days. Today is XX/XX/2023, all of my accounts have been closed except the very one that I deposited the cashier 's check into. In addition, I was told that I will not receive funds from that account, and they are working with regions bank to facilitate a return. As a consequence, I have four businesses that were without funds for thirty days and I have to repossess a vehicle after a customer gave me a verified cashier 's check. I am very frustrated and confused after doing business with PNC bank for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Attached is a copy of a check from NFCU/Navy Federal Credit Union bearing my alleged signature. Also, attached is a promissory note ( a copy ) unsigned bearing no signature, just alleged loan information i.e. amounts and my personal information. The promissory Note has lined titled " Applicant ( Member ) '' notice it has no signature. NFCU, this is my 18th request of Debt Validation pursuant 15 USC 1692g of the Fair Debt Collection Practices Act.

I am asking for a signed original ( bearing my wet signature ) copy of the Promissory Note, Security Agreement and Disclosure loan # XXXX in the amount of {$48000.00}. 

I am not asking for a copy check ( addressed NAVY FEDERAL CREDIT UNION ) that has xeroxed front and back bearing what is to be my alleged signature. I am asking for the Promissory Note. 

NFCU is reporting information that it knows is incorrect, false and wrong. 
According to the 15 USC1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I HAVE INFORMED NFCU 18 TIMES OF THIS ERROR! Yet you report information that is wrong without out proof or investigation. 

Remove yourselves from my consumer report immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX - {$0.00} XX/XX/XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXX XXXX IL 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