vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I placed an order in XX/XX/2023 to a company that I found on an internet site. I found out it was a scam. I immediately tried to cancel, but was told I couldnt. I filed a dispute with my bank as I used a debit card because I didnt receive the item in the amount of XXXX. I was contacted by the company to withdraw the dispute and the would issue a refund. I did and received several fake screenshots of refunds. They told me it was my bank blocking the refund. My bank was not. I received more of these screenshots and then today was told I wouldnt be receiving a refund because the dispute was in their favor, it was not I cancelled it. My bank will not allow me to dispute again because I withdrew the first dispute. Now I am out the money with both left to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit reports with XXXX XXXX, XXXX and Equifax are showing names, addresses, and phone numbers that do not relate to me. I have one phone number, one address, and one name. 

All of the inaccurate information is damaging the consistency of my credit report and causing issues. 

My only name is XXXX XXXX My only address is XXXX XXXX XXXX, XXXX XXXX, OH XXXX My only phone number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: GA

Complaint narrative:
I was serving XXXX  in XXXX for a year. We moved out of the house and rented it out in XXXX the movers had to move out and due to me not receiving BAH I was unable to pay it and I let them know in may. I called and ask could they put a hold on it due to me being XXXX XXXX and being XXXX  I was told by one of their customer service representatives that I would be fine because Im XXXX XXXX. Mind you Im in XXXX and all my mail is forwarded to my parents house in GA. I find out from my mother that the house was set for foreclosure in XXXX Im 19 hours ahead and it was hard to make contact p. I told them several times that I was XXXX XXXX and only one member deceived to help me. Other members hung up the phone lied and said it would be stopped I wasnt told I had to send my orders until XXXX. This company violated many rights under the XXXX. They recently changed the locks against my will. I am over fighting for the country I shouldnt have to be fighting for my property under these circumstances.

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 2023-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I traded in a vehicle that was bought out to receive the XXXX XXXX XXXX I have now. I believe there was extra interest applied I want to refinance and havent been able to Im told by credit acceptance I owe XXXX $ and my pay out amount is XXXX. The transmission has slipped on vehicle it now no longer works or comes on. I wanted to see if Im being treated fairly for me as a woman have no knowledge of these things. Please help me now I am without a car and having a hard time refinancing

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 2023-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I have a checking account ending in XXXX. I won a default judgment recently in the XXXX XXXX XXXX XXXXXXXX against the University XXXX XXXX XXXX XXXX XXXX in XXXX at $ XXXX to $ XXXX. See attached. 

For a banker, I think it is rationally and reasonably fair to that I am going to $ XXXX right off the back. But, I went to XXXX XXXX XXXXXXXX, and I think that I will get around $ XXXX from the breach of contract. 

I am wondering if you can extend a credit line or loan or increase my credit limit by {$10000.00} to $ XXXX or more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) found lawless persecution by terrorism for XXXX 's XXXX XXXX as a descedent of XXXX XXXX XXXX XXXX I and XXXX I because XXXX is XXXX the Top 1 % of the United States net treasury contributors . 42 U.S.C. 1981, 1982, and 1985, 1987. The contract-in-law ministerial duty requires AmEx to help assuage and bring to an end this persecution. AmEx is a fellow contract with XXXX XXXX XXXX XXXX through the State, its local businesses that it represents, and the United States, the alter ego ; good faith and fair dealing requires reasonable performance per my disclosure to you. Third-parties can enforce contracts. AmEx has a corporate duty as a quasi-governmental entity to XXXX XXXXXXXX XXXX judicial victory. 

XXXX XXXX the Clerk of Court can verify the court. Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CONFIDENTIALITY NOTICE : This e-mail message, including any attachments, is for the sole use of the intended recipient ( s ) and may contain confidential and privileged information or otherwise be protected by law. Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and destroy all copies of the original message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I had XXXX deposited in my accounts on XXXX and as of XXXXXXXX XXXX  on XXXX money was there and XXXX XXXX  it was gone and someone at BMO took the money. They have been giving me all kinds of run around and excuses today of what ever and it seen a manage is never avabile. I want to file felony charges on BMO but am willing to see if you can help with the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit reports with Trans Union, XXXX and XXXX are showing names, addresses, and phone numbers that do not relate to me. I have one phone number, one address, and one name.

All of the inaccurate information is damaging the consistency of my credit report and causing issues. 

My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only phone number is 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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Back earlier this year, I went back and forth with kohls as my account was not right and they added late fees when they were not exposed to have been there. In XXXX, I called again and they said everything was fine and not to worry. I called again in XXXX after receiving a statement for a late fee. Why do I have a late fee when I do not even have a balance on my card? So I contacted customer service again and the guy told me I had a XXXX balance. Then I asked why I had a charge for a late fee and he could not give me an answer. So I asked for him to close my card knowing that it had to have a XXXX dollar balance in order for it to be closed. He was successfully able to close my card with no issues. He told me there was no balance and I had no credit card, great because I was done with this circus. At this point, I was hoping my issues with them were solved on this ghost late fee charge on a XXXX dollar balance. Fast forward a few months and I checked my credit score and they have filed it against me but this charge was not there back in XXXX when my account was closed. I closed this credit card so I did not have to deal with this issue any further. I have talked to kohls and they refused to help. I filed a dispute on the three major credit score sites and noone is willing to fix this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I filed a fraud account with chase XX/XX/2023 and received a letter from them taking action against the fraudulent activity and that it would be removed from my credit file. After filing disputes at all three bureaus XXXX says the inforwould remain on my report. Chase did not follow through with reporting it as identity fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX 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 2023-11-04 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:
n 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 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 2023-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: TN

Complaint narrative:
On XXXX XXXX, I deposited a XXXX check for {$74000.00}. I have the deposit slip. then on XX/XX/XXXX I received my bank statement from US bank ( Bancorp ) for my savings account.. The amount stated above was not applied nor deposited. I called the bank and the statement was the same. I called the local US Bank where I deposited the check and they hemmed and hawed and finally said it was a computer error. I don't believe it.because it would have been on the news like the one that occurred XXXX XXXX,. Then On XXXX XXXX, I went to the bank and they gave me a piece a white paper not USBank stationery and they deposited my money on XX/XX/XXXX, not XX/XX/XXXX. I asked for a letter explaining what happened and they XXXX XXXX, mgr. said they couldn't do that. You can't get the corp number. just the address. XXXX gave me the name of the district mgr. and I will call him on Monday XX/XX/XXXX. I asked for an updated bank statement and she said she could not do that. This is horrible. where is my money.??? Please HelpXXXX 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 2023-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I have a credit card ending in XXXX and XXXX. I won a default judgment recently in the XXXX XXXX XXXX XXXX  against the XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX at $ XXXX to $ XXXX. See attached. 

For a banker, I think it is rationally and reasonably fair to that I am going to $ XXXX right off the back. But, I went to XXXXXXXX XXXX XXXX, and I think that I will get around $ XXXX from the breach of contract. 

I am wondering if you can extend a credit line or credit loan or increase my credit limit by {$10000.00} to $ XXXX or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXXXXXX, 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 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 2023-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I wasn't fully explained to on how the account is going to be operating. They take up to XXXX to 5 days to authorize my money then I end up with late fees that pile up and I have them back money that I had in my account to spend. Also when I talked with a representative he told me they have to make sure I have money in my account in order to process the transaction. I'm like if I didn't have money in my account how did I make a purchase. Also why am I banking with you all if you don't know my available balance in my account. I feel like Bank of America is tapering with peoples money. To make them go in the negative I don't know how they're doing it but it's not right. As soon as I got this account my financial advisor has not been honest with me at all. He also doesn't answer my question straight forward. I regret getting a bank account now. They also paid me some money cause I caught on to what they were doing and I spoke about it and I said I will be talking to an accountant about this.

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 2023-11-04 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 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 2023-11-04 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit reports with XXXX XXXX, Experian and XXXX are showing names, addresses, and phone numbers that do not relate to me. I have one phone number, one address, and one name.

All of the inaccurate information is damaging the consistency of my credit report and causing issues. 

My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only phone number is 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 2023-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I bought a cellphone online in XXXX. I decided to return it during the return period and I was given a full refund. Somehow, there was a late fee of {$29.00} associated with the first payment ( which I didn't have to do, since I ended up returning the item ). This was reported by TD Retail Card Services as delinquent for 60 days and my credit went from Excellent to Fair. I was not aware about this until a couple days ago that I was checking my credit score and I saw a decrease of about XXXX points ( going from Excellent to Fair/Poor ). I'm in the process of moving, so now with this credit my life has been turned upside down. I called today TD Retail Cars Services, they saw XXXX marked it as " full refund return '', they accepted their mistake and they reversed the {$29.00} " debt '' ( they didn't even ask me to pay for it ). I would like my credit restored as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-04 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXXXXXX 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 2023-11-04 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:
n accordance with the Fair Credit Reporting act 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 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 2023-11-04 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: FL

Complaint narrative:
n 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 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 2023-11-04 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXXXXXX 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