vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
My name is XXXX XXXX ... .., I am the manager of DARK ... ... .... XXXX XXXX registered in the XXXX of Pennsylvania XXXX 
In late XX/XX/2023, I initiated the opening of a checking account for the above XXXX at the PNC Bank branch located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I contacted XXXX XXXX XXXX XXXX XXXX ( Phone # XXXX ), providing all the necessary documents and finally get account No. ... ... ... XXXX, opened on XX/XX/2023. 
A couple of days later, XXXX sent me an email inviting me to visit a PNC branch ASAP, just to personally notify me that the account was opened mistakenly and should be closed. I simply asked to indicate in writing the reason for the closure - what rules or regulations were violated and why this became obvious only now. She refused to provide me with written reasons for this action. I insisted on receiving a written response from PNC Bank as to why the XXXX XXXX could not have an account in this branch. 
A couple of days later I received a debit card with a notification that the account was frozen, but again without any explanation. 
My numerous contacts with various PNC Bank representatives were unable to clarify the reason for this situation, and all of them refused to provide me with any written explanation. 
Today I received a letter notifying me, without any explanation, that the account will be closed on XX/XX/XXXX. When I called the helpline, bank representative XXXX told me at around XXXXXXXX XXXX on XX/XX/2023 that the account would be closed due to my abusive behavior. 
My problem is that PNC Bank has never provided a written explanation for its actions, which I consider discriminatory and defamatory, so I can not take any action to protect my rights and my reputation. But all my telephone conversations with PNC Bank representatives were conducted over their recorded lines. 
I am asking the Consumer Financial Protection Bureau to help me get a written explanation of why we can not have an account with PNC Bank and what exactly abusive behavior I have demonstrated. 
Thanks for the help, and please let me know if you need more information. 
XXXX XXXX ... ..... 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: WI

Complaint narrative:
Date Assigned : XX/XX/2022 Amount : {$1100.00} I have never done any business with this collection agency, Im being extorted and scammed! Ive never had any business with them or signed a contract. I never gave any third party to report anything against me either or information. I dont know who this company is and this information is incorrect. My account with XXXX XXXX is active. I want these items removed off my credit report immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
ONE MAIN FINANCIAL- XXXX IL Gave initial loan for {$7000.00} roughly. Through a multitude of years I have paid back over XXXX and their claim is I have paid -3 %. Out of the total balance. I would like to report this as theft and complete predatory lending. This is all after having multiple customer service and payment issues such as automatic payments, that lead to a forced refinance and increased APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: KEYCORP
State: FL

Complaint narrative:
I continue to have high interest rates added to the payment and they do not deduct anything from the original loan. I requested a schedule I could make monthly payments on and they continue to add high interest and have not worked with me on a schedule that I can make payments. In addition they continue to deduct interest from our saving account at the same time I am trying to repay the commercial loan. 
I have continued to try and work with the bank but have been very frustrated with the contacts. I have asked for a reasonable monthly payment i can make since i did lose a business contract which leaves me with only SS and a small retirement payment each month to try and pay the loan off. 

Bank is Key Bank in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was going to lease a studio apartment from someone. I signed the lease agreement and then sent my money through Venmo. When it came time for me to receive the keys they started asking for more money. So I said I didnt want it anymore and they wouldnt return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
My checking account, savings account, and credit card at HSBC Bank USA have been inaccessible and unavailable since XX/XX/XXXX, during which time I called HSBC Bank USA customer service and was consistently told that it was being reviewed by the bank 's Risk Control department, however, no staff member told me why it was being reviewed and what the results of the review were, which has resulted in me not being able to pay back my credit card bills through my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: B9, Inc.
State: SC

Complaint narrative:
On XX/XX/2023, I attempted to transfer my paycheck from my B9 underwritten by XXXX Bank XXXX XXXX account to my XXXX  XXXX  account. The initial attempt was {$570.00}, and XXXX XXXX declined the request. I attempted other amounts & they were declined as well. The money was taken my account & is in pending status. I contacted B9 & I was told it was a known issue & they were working through the issue with XXXX XXXX. At this point I had another failed transaction, but the funds were removed from my account for {$43.00}. On XX/XX/XXXX, I was told by B9 that the issue with XXXX XXXX with resolved but they could not release my funds bc it showed processing & I was denied a supervisor. I have bills & I need my money to be released & this company is holding my money & I think it is for investing purposes while I struggle financially. I am experiencing emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : # XXXX XXXX Account Name : XXXX  Account Account Number : # XXXX - {$0.00} Account Name : XXXX  Account Number : # 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting Act 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CLGF Holdco 1, LLC
State: DC

Complaint narrative:
XXXX XXXX  promised me a guaranteed approval for the Indigo platinum master card issued by XXXX XXXX  for XXXX dollars. I was promised and the pre-approval of the bank also restated the same. I applied and later was given a XXXX dollar limit and a XXXX fee. I called Indigo and was promised that because of the misinformation, the hard pull would be removed and the account will be closed if they cant change the limit to XXXX. Instead the card was closed and the hard pull remained. When I call they tell me they cant find the application at All.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This is not a duplicate complaint and I requesting for the company, XXXX app to respond. The XXXX app is reporting inaccurate information about my account. The account states on my credit report that it is in collection but my statement is reporting that the account is in a current status. I have been contacting the company and they are not responding to any of my messages in an attempt to get a link for a payment. I believe that this is defamation of character and is being done intentionally. I have attached the XXXX app statement. I would like for this information to be deleted completely from my credit report. 


Thanks, 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 non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This is not a duplicate complaint and I requesting for the company, XXXX app to respond. The XXXX app is reporting inaccurate information about my account. The account states on my credit report that it is in collection but my statement is reporting that the account is in a current status. I have been contacting the company and they are not responding to any of my messages in an attempt to get a link for a payment. I believe that this is defamation of character and is being done intentionally. I have attached the XXXX app statement. I would like for this information to be deleted completely from my credit report. 


Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is not a duplicate complaint and I requesting for the company, XXXX app to respond. The XXXX app is reporting inaccurate information about my account. The account states on my credit report that it is in collection but my statement is reporting that the account is in a current status. I have been contacting the company and they are not responding to any of my messages in an attempt to get a link for a payment. I believe that this is defamation of character and is being done intentionally. I have attached the XXXX app statement. I would like for this information to be deleted completely from my credit report. 


Thanks, 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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting 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 informationisinaccurate.

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 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One is the WORST bank ever. For the last 5 years they have tried their very best to put my small woman owned business at risk for closing. I will start with the latest nonsense that happened last week, XX/XX/XXXX. A contractor mailed a check from their bank, XXXX XXXX XXXX ( which I found out is just as bad as Capital One ). I digress, my customer told me that their bank " flagged a check '' as fictitious, but to have me deposit the check. I deposited the check as I had been told, and less than 3 days later the check was returned and my account was flagged. I went out of town for 5 days, when I learned that this check bounced in my business account, but also my personal account. Capital One locked me out of my accounts while on holiday. I spoke with numerous Capital One reps from the Recovery Department, again on holiday when after 2 hours of callbacks, getting placed on hold, a lovely CS rep was able to remove the block from my personal account. I learned that the replacement check for the " fictitious '' check was not going to clear for 5 business days, and it didn't matter that I had to pay my employees health benefits, payroll, rent, etc. Finally, after arguing with Capital One about the unfair treatment of ME ( their customer ) ; they told me that if we bounce anymore checks, they were going to drop my company as a customer. The utter nerve of this bank who has caused me more grief than any other institution, threatened me! I am the victim, NOT Capital One! They deserve punishment for ruining my vacation, and causing my XXXX  to become intolerable. This is NO WAY to treat long term customers. Capital One needs to formally apologize to me for treating me as if I were the criminal bouncing checks all over. I hate Capital One, and will be removing my personal and business funds. Meanwhile, I expect satisfaction for the stress, aggravation and the payment of every bounced check this has caused. Capital One Bank must pay for what they continue to do to my small business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting 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 respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

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 2023-10-12 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of 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