vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-12 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: MI

Complaint narrative:
Credit reporting agency and original creditor are in violation of my consumer rights. 
Account name : XXXX XXXXXXXX XXXX  Account number : XXXX. The balance on this account is inaccurate. My limit was {$300.00} but my balance is reporting as {$500.00}. How can this balance be correct when my limit is only {$300.00}? Also the original creditor and the credit reporting agencies are continuing to report this account as charged off month after month for 13 months after the initial charge off.date. An account can legally only be charged off one time. Once the account is charged off there should not be any updates to the account per FCRA rules and regulations.

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 2023-08-12 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Account information disputed meets FCRA REQUIREMENTS! THEY ARE reporting account as Open and the account is Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Account information disputed meets FCRA REQUIREMENTS! THEY ARE reporting account as Open and the account is Closed.

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 2023-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Visit in person the JP Chase local branch at XXXX XXXX XXXX, XXXX, VA XXXX. Spend 2 hours in the branch, and had to return three times to get the bank to endorse the insurance claim check the was made out to myself and JP Chase. I was repeatedly told they could not help and I had to mail in it because their computer told them to tell me they couldnt help. I worked with cashier, associate, and manager. Even after they handed me a stack of paperwork with confusion, instructions it would have taken weeks to have the check endorsement. Even the documents stated I could bring it into a local bank which I show them and they said they couldnt help. I had to call the corporate office to call the local branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account 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 : also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I had a loan out with US auto sale financing, and I was charged double times, my car was disabled even when I wasnt late but they always turned it back on. But Ive been paying on my car for over 6 years now and it still hasnt been paid off. I know I should be done paying it by now. If they were using the money towards my payments, but now I have this company called Westlake portfolio sending me threatening letters to repose my car a company I didnt even know nothing about first off. And now Im struggling having to try and pay them XXXX XXXX  a month when I was paying us sales XXXX XXXX a month for almost 6 years, my car should definitely have been paid off by now.

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 2023-08-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This has not been addressed by Wells Fargo before. 

The last papers WF sent to me states incorrect information on page 4 on the 4th line, under " CLOSURE OR SUSPENSION OF ACCOUNT ''. It says there was a borrower initiated request to modify account. This is not what occurred. There was no modification to occur. It was a simple freeze put on the account until I signed to remove the freeze.

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 2023-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On the XXXX of XXXX, I request a transfer of funds to PayPal from one of my PayPal accounts to another one, submitting all the necessary documents required. These documents specifically were : A proof of my address in the form of a bank statement, my work permit as a way to confirm my identity and finally my passport. Per the information provided by the customer service, this process at most would take five days to be completed. 

On XX/XX/XXXX, I called to costumer service check up on the process of this transfer as a significant amount of time had already passed. After being told the documents provided were " not enough '', even though they were submitted and met all the requeriments given to me by the PayPal employee, I once again submitted the documents. I was told in the next couple of days I'd have an answer to this issue. 

On XX/XX/XXXX, I communicated once again with costumer service and once again I was told they rejected my documents, stating they were " not in the right format '' even though the format I sent them in was the one instructed by me the customer service representative ( PDF ). Once more I uploaded the documents per their instructions ( now as Pictures ). They were checked by the representative and assured the documents met the requirements and would just be a matter of a couple of days until the transfer was approved. 

On XX/XX/XXXX, I called customer service to know what was the status of the process. Important to note at no point did PayPal communicated with me they were having issues with my documents. Had I not constantly called, this piece of information would have never been shared with me. Speaking with several customer service representatives I was once again told my documents didn't meet their seemingly ever changing requirements and thus my request had been rejected. At this point I uploaded my documents for the 4th time, got assured by the customer representative my request was given an " urgent '' state and thus should progress swiftly and I should have an answer by the next 24 hours. 

On XX/XX/XXXX, I was told by the customer service representative that since I uploaded the documents once again I now had to wait the original five days for them to review my documentation, completely contradicting what I was told just the day before. 

I own both accounts and I need to do the transfer of funds, yet time and time again PayPal and its representatives have put obstacles after obstacles through this process, with no clear requirements for the documentation required, with no apparent guidelines for their representatives as to how this process work and no communication whatsoever on their end with me every time they have rejected and put a stop to my process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-12 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: PA

Complaint narrative:
In accordance with the fair credit reporting act this creditor XXXX XXXX XXXX XXXX XXXX  has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account 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 2023-08-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act this creditor XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: NV

Complaint narrative:
On XX/XX/2023 I sent the following document/letter to TransUnion for the following incorrect items they are reporting to my credit profile. ATTENTION : TRANSUNION DISPUTE DEPARTMENT - To Whom It May Concern : Thank you for addressing some of the accounts that incorrectly appeared on my credit report. However, please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted. These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able obtain credit right now and that is not acceptable. 
As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The terms reported are incorrect, please delete. XXXX : XXXX - The account status is incorrect, please delete. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account balance is incorrect, please delete. By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. Please DELETE/ UPDATE the above accounts as quickly 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 2023-08-12 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: PA

Complaint narrative:
In accordance with the fair credit reporting act this creditor XXXX XXXX XXXX has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account 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 2023-08-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act this creditor XXXX XXXX XXXX has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: PA

Complaint narrative:
In accordance with the fair credit reporting act this creditor XXXX XXXX XXXX has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account 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 explanation
Consumer complaint received 2023-08-12 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
XXXXDisputed account but didnt remove for XXXX Bridgecrest-Disputed account but didnt remove for XXXX XXXX-disputed but didntb remove for XXXX XXXX-Disputed but didnt remove for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: PA

Complaint narrative:
In accordance with the fair credit reporting act this creditor XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account 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 explanation
Consumer complaint received 2023-08-12 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: AL

Complaint narrative:
XXXX XXXX is illegally reporting an item that was included in my bankruptcy I have submitted a dispute showing where that same account with the same amount and date opening was included in my bankruptcy. XXXX defense was that your bankruptcy was filed in XXXX and the account was opened in XXXX. Well originally it was a XXXX XXXX, I converted to a XXXX XXXX  which wiped all my debt on XXXX. The attorneys continue checking your credit and adding any new credit to the bankruptcy because you cant have any until after discharge so it was included in my bankruptcy before I discharged in 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 2023-08-12 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: NJ

Complaint narrative:
On XX/XX/XXXX, two seperate withdraws in the amount of {$450.00} and {$1400.00} were taken out of my account due to someone, who was not authorized as an account holder or such, without my permission. Therefore, I lost a total of {$1900.00} total, causing me to overdraft and become financially stripped. 

I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the past year, along with having to take my employer to court in order to protect my job, so this has been a major burden on me to say the very least. I understand that things like this are unavoidable at times and do happen ; however, I would like for PNC to make this right for me ( their client/customer ) as this was no fault of my own whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist bank, has flagged my account for fraud but never notified me. It turns out they froze/locked my account since XXXX XXXX when I had a deposit made in a local branch. I called the branch for an unrelated issue on XXXX XXXX and was not made aware. I called on XXXX XXXX, after noticing I could not log into my account on the mobile app or via the website when attempted to check if a mortgage payment I scheduled was debited. They finally decided to inform me that my account was locked out. I can't access my money, and they can't tell me when a " fraud '' investigation will be completed or when they will restore access. At no point was I notified or requested for information to assist in restoring access to my money or my account. When asked, they did not provide details on what the resolution process looks like going forward. I have money in the account that I need for bills, food, and anything else that I can not use.

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 2023-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Bank of America hit my credit for a new credit card I received it in the mail, then later received a letter that it was locked due to suspicious activity. I never actived it or anything.

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 2023-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Sold me a bad car then went out of business would shut off my car and I wasnt behind on the note or anything didnt honor my gap or insurance canceled everything without any notice sold my information to a another company without my permission the list goes on horrible company horrible horrible horrible

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 2023-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I was late on a payment but was making monthly payments still. I was about 90 % finished on my auto loan. I never received any notice of Ally wanting to repossess my vehicle or selling my loan to a crediter. I fell behind a payment early in 2022 but I continued making payments and all of this just came out of the blue.

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 2023-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express has violated my rights as a consumer. They have broken the law and the Equal Credit Opportunity Act ( ECOA ). I have been discriminated against more times than once. This is my final attempt to rectify the situation before heading to a federal courthouse. I have provided proof of the violation in the letter response that they provided me.

Company response to consumer: Closed with explanation