vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
hard inquiries were fraudulently added to my credit report..These are not my inquiries XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX Acceptance XXXX Service XXXX XXXX Bank XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Also remove XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ..XXXX XXXX was settled in XXXX Court my security deposit was kept

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 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Every time I try to transfer money to my other bank account which is linked to my Bank Of The West account I receive a error that I can't identified. This has been happening since I filled the first claim against them. Today I tried sending my daughter {$50.00} because she is out of state and is in need of the money today. I have been on hold for 3 hours waiting to have this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Home Loan Center, Inc.
State: GA

Complaint narrative:
Lending Tree continues to use my information to provide for mortgage lending that I did not request. Last year, I filed complaints against Lending Tree for this and they continue to provide my name and information to other lenders. I then get a barrage of calls from different companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I need money urgently and applied online in XXXX, I was approved and they would deposit the money in my account but it would be available in 3 days approximately, I mention that it was urgent as I need to pay a vet bill for a XXXX, they said than then I can go directly to the store so they can issue a check. I was approved for {$8600.00} but then I was unable to deposit in my account by mobile device, I called bank Wells Fargo and they said that I can deposit the check in a ATM and {$400.00} would be available the same day and the rest the next day ... then the next day they put All my loan in hold, called the bank again and they said that it was an XXXX issue, I called XXXX and they said the check was ok and nothing was wrong. I called the bank again and they said that the bank doesn't have the enough money to put the money in my account and they need to verify the reserves? And that the money would be available until XX/XX/XXXX! I need that money urgently..I ask for a loan since they doesn't want to give me my money and they said they don't do that. So I told them that the bank is useless... plese help me... I don't know what to do

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 2022-02-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX & XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX is in violation of the following Federally Protected Consumer Rights : 15 usc 1692 ( g ) XXXX XXXX bank did have my written instruction to furnish my credit report. Please produce a contract that says i granted you permission to furnish report Compliance procedures- 15 U.S. Code 1681e ( b ) Reasonable Procedure- 15 U.S.C 1681 ( b ) Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( XXXX ) Removal of Inaccurate/invalidated Credit Information.You are reporting questionable, inaccurate incomplete and outdated credit information on my consumer report. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Per 15 USC 1681 ( a ) ( 4 ) & 15 USC 1681 ( b ) as a Federally Protected Consumer ; I am entitled to a right to accuracy & privacy of my Consumer Profile and the information contents within. Recently I did an investigation on my credit report which caused severe XXXX and stress when I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. 
Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2022-02-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX & XX/XX/XXXX XXXX XXXX BANK XXXX is in violation of the following Federally Protected Consumer Rights : 15 usc 1692 ( XXXX XXXX XXXX XXXX bank did have my written instruction to furnish my credit report. Please produce a contract that says i granted you permission to furnish report Compliance procedures- 15 U.S. Code 1681e ( b ) Reasonable Procedure- 15 U.S.C 1681 ( b ) Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) Removal of Inaccurate/invalidated Credit Information.You are reporting questionable, inaccurate incomplete and outdated credit information on my consumer report.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Per 15 USC 1681 ( a ) ( 4 ) & 15 USC 1681 ( b ) as a Federally Protected Consumer ; I am entitled to a right to accuracy & privacy of my Consumer Profile and the information contents within. Recently I did an investigation on my credit report which caused severe XXXX and stress when I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. 
Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2022-02-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/22, my credit score suddenly dropped XXXX points, going from XXXX ( Very Good ) to XXXX ( Good ) ; however, there is no reason for the drop. I called Experian, but their system won't allow you to talk to anyone. I filled out an online case form, but they have not responded even though they pledge to do so in 24 hours. 

I'm being harmed for no apparent reason and can't get any information from them. Please advise on how I should proceed.

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 2022-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TransUinion is charging for a free service with deceptive practices and needs to be stopped. We have 3 major credit agencies. With Identity theft we have the right to access these systems free of charge!! I never gave permission for any of these companies to even have my information!!! TransUnion hides behind a free credit report and then charges you money!

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 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I received a couple pieces of mail, dated from XXXX from PNC Bank stating that there were 3 accounts opened in my name. I spoke to PNC and they closed the accounts but also suggest me to contact the FTC and the credit bureau as someone has my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I got called this morning from XXXX XXXX XXXX XXXX verifying if I had been in XXXX trying to get a loan. I told the caller I did not and he said that I'm likely the victim of identity theft and that I needed to check my credit reports. 

I've taken steps to freeze and add fraud alerts on both XXXX and Transunion. However, I am unable to create an account on XXXX due to issues with their website. 

I have read that I should also file a complaint with the XXXX as an a 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 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/XXXX, {$3900.00} was taken out of a checking account to pay rent according to a bill pay request- in other words, Captial One was to issue and mail a physical check via online bill pay. Capital One represented that the {$3900.00} rent payment would be received well before XX/XX/XXXX. By XX/XX/XXXX, the landlord had still not received the bill pay check. On XX/XX/XXXX, tenant wrote a paper check to the landlord and I called Capital One to stop payment on the XX/XX/XXXX check that had not been delivered. 

- On XXXX, Capital One customer service stated they can't do a stop check, but instead process this as a dispute. I confirmed that I wanted to dispute the XX/XX/XXXX check, both through the on-line portal and by phone with the customer service agent. The {$3900.00} was not returned to the checking account. 

- On XX/XX/XXXX I called again, and I was told the XX/XX/XXXX check had not been cashed. However, this time customer service said it could take up to 10 business days to review a dispute. 

- On XX/XX/XXXX I received a notice denying the dispute, but referencing the wrong bill pay/check, not the XX/XX/XXXX check. That same day I called the number listed in dispute. I was erroneously told that there was no claim on the XX/XX/XXXX check, even though the online system showed that a dispute had already been made. A Capital One employee stated that the check would be stopped, the claim was now filed, and some money should be credited to the account within 1-3 business days, though the dispute itself would take 10 business days. The representative stated the check had not been cashed. 

- By XX/XX/XXXX no money had been credited to the account, so I again called customer service. This representative said that she could not stop the payment, and that there is no phone number for the department that is able to do so. She confirmed that the check has still not been cashed but that I will have to wait up to 10 more business days for a dispute to be resolved without any of the {$3900.00} being credited back to my account. 

I think it is an unfair and deceptive trade practice for Capital One to market their bill pay feature as " printing a check for you '' when in fact they take money out of your account immediately, hold that money in their own float account, issue a paper check on their account, and refuse to allow a stop check or return the funds for, in this case, nearly a month. This is particularly concerning when Capital One has repeatedly verified that the check is not cashed and is well-past the delivery date. I have to ensure that there is effectively an extra {$4000.00} in my account so as not to overdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX : NOT MY NAMES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NOT MY ADDRESSES : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX XXXXXXXX XXXX XXXX  XXXX : XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/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 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: FIRST HAWAIIAN, INC.
State: GU

Complaint narrative:
My name is XXXX XXXX from XXXX XXXX number : XXXX Email : XXXX First Hawaiian Bank Charging me service fee of almost {$6.00} Without letting me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunset Management, Inc
State: GA

Complaint narrative:
They mailed me a predatory loan in XX/XX/2021 before XXXX now they are continually harassing me by showing up to my residence invading my privacy, coming on my property and being unprofessional and even cursing towards me. 
The very first time they came in XXXX I told them to not come to my home again but since then they have came back to my house 5 to 6 times. Twice they came and my son ( which is a minor ) answered the door and they even had the audacity to hand him documentation of the loan and did not ask for a parent. I told them to leave my property or I will call the cops and I was cursed at after I told them that. They have been causing my distress on my mental health and hostility not to mention doing this infront of my XXXX minor kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Dear Paypal I have had a personal account with you all since XXXX. On my personal account you all have me marked as a seller I guess because I accept so many payments for my XXXX  company and I have been operating through my personal account no issue for years. XX/XX/XXXX I established an LLC for my company called XXXX XXXX XXXX XXXX. I have 13 1099 contractors under my LLC. My CPA advised that I open a business account with Paypal since I use your platform to receive business payments as well as pay some of my contractors. I opened the business account using the email address XXXX I used my business name XXXX XXXX XXXX as well as my newly established EIN XXXX for my LLC ( which I have no converted to S corp ). I advised my contractors as well as the clients that pay me for marketing this is my new paypal email address. In less than 2 weeks of opening the account no warning Paypal sends me an email stating that you all permanently limited my account and that I am unable to use it ever again. I called in to Paypal and explained they stated they would send a ticket in requesting for it to be reopened. Never received an update so I called again, turns out the rep states sorry you never received an email but they denied the ticket and she is unable to tell me why other than it states the account was shutdown due to fictious information was used to create the account and the bot you all have setup shut me down because of it. This is outrageous I have had an account with you all for almost 10 years. I would think like you all do others if you felt any information was wrong I couldve been at least given the chance to provide proof. To say there is nothing we can do our robot shutdown your account is absurd. I am requesting that corporate looks into this and reinstate my account as I have also placed all my business information with this letter to prove all the information I used to open the account was true and accurate. Also, even the business account that was linked to my paypal had my business name on it as well. To just shut down the account and state your keeping the funds I had in there for 6 months just isnt okay. I have done nothing wrong I have never used your platform for any illegal services or activity and I have had a personal account with you all for so long I cant believe you all didnt give me the curtesy like you do so many others by just requesting the documents needed to verify my new business account. I am asking please check into my business account and please compare it to attached documents and you will see I have been operating exactly how I created the new account. Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2022 I sent in a dispute. Its been about two weeks and still no acknowledgment of them receiving my complaint. I want every document pertaining to the this entry that your agency uses to validate this debt.

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 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I got called this morning from XXXX XXXX XXXX XXXX verifying if I had been in Georgia trying to get a loan. I told the caller I did not and he said that I'm likely the victim of identity theft and that I needed to check my credit reports. 

I've taken steps to freeze and add fraud alerts on both Equifax and XXXX. However, I am unable to create an account on XXXX due to issues with their website. 

I have read that I should also file a complaint with the FTC as an a fyi.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I got called this morning from XXXX XXXX XXXX XXXX verifying if I had been in XXXX  trying to get a loan. I told the caller I did not and he said that I'm likely the victim of identity theft and that I needed to check my credit reports. 

I've taken steps to freeze and add fraud alerts on both XXXX and XXXX. However, I am unable to create an account on Experian due to issues with their website. 

I have read that I should also file a complaint with the XXXX as an a 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 2022-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
this is regarding TD credit card service cash card website is : https : //www.tdcardservices.com/ I Closed the account on XX/XX/XXXX. 2022 Charges still coming to my closed account after I closed for a month and I was told there is nothing I can do about it

Company response to consumer: Closed with monetary relief