vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/year> I deposited a check to PNC bank in the amount of {$17000.00} for furniture that I was selling to a person named XXXX XXXX XXXX and XXXX. The check was from an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Bank name : XXXX XXXX. 

After depositing the check, it was cleared for payment on XX/XX/year>. I went to the bank to withdraw the payment that would be paid to their movers when they arrived to pick up the furniture. Subsequently, the next day the check was reversed and I was not given a reason why leaving my account in the negative for {$2900.00}. I contacted PNC bank to see why the check was being reversed. I was told that the check would be returned to me and that I could attempt to redeposit it because the copy they were sending to me was a legal copy of the check. I tried contacting XXXX XXXX to let him know that his check had been returned. I left him several voicemail messages which he did not respond to subsequently he changed his phone status to not accepting calls at this time. 

The check arrived about a week later and it indicated on the check the RETURN REASON - XXXX UNABLE TO LOCATE ACCT. I have been going back and forth with PNC regarding my account being overdrawn by this check and it creating an overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX I signed a written agreement with Shop Your Way XXXX card for a XXXX fixed XXXX. Over time Citi Bank took over the account changing it to a variable APR jacking the prices up to unmanageable rates. Now they only give you the option to close the account through and automated system if you don't agree with there terms. Even though your original contract specified it was a fixed rate. These surprise hikes in interest have made it impossible for me to continuously pay them. It's unconstitutional for a company to change a person written signed agreement and then to continuously hike the prices up. I'm asking CFPB to act in regards to the people who agreed to fixed rates and stop these companies from hurting the American people by changing agreements and surprise hiking rates up to unmanageable amounts. I was able to pay these cards off before this now it's impossible. It's now become a chain that you can't get out of which is not a Best Practice Act. They were contacted on XX/XX/XXXX and no resolution was given.

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 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
I paid my account in full, after I did that I logged in and found I had a credit balance. I emailed them to request a refund. They acknowleged that I was owed a refund. At some point after that, they charged me interest on the balance I had paid off and added a late fee. I've emailed them regarding the error and they replied that the balance was less than what my bill was, but that I still owed it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-08-15 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: NY

Complaint narrative:
Ive been a victim of identity theft this fraudulent accounts does not belong to me.. see police 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 2024-08-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive been a victim of identity theft this fraudulent accounts does not belong to me.. see police report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-08-15 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: FL

Complaint narrative:
I review my credit report and found this inquiry from XXXX XXXX and this is not made by me, inquiry date XX/XX/year> 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 2024-08-15 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: TX

Complaint narrative:
I am personally submitting this complaint regarding late payment entries on my credit record. Upon examining my files, I discovered these late payment notations. Despite sending correspondence about this issue more than a month ago, I have received no reply, nor has adequate validation been provided. I now request your help in addressing and resolving this situation swiftly and efficiently.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: TX

Complaint narrative:
I am personally filing this complaint regarding late payments on my credit record. After inspecting my credit report, I found these late payment entries. I sent correspondence over a month ago but have received no reply, nor has adequate validation been provided. I am now seeking your help to address this issue.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: NC

Complaint narrative:
Experian sent me a letter dated XX/XX/year>, in response to my XXXX XXXX XXXX  determination submission on or about XX/XX/year>. Experian stated in this letter that they could not process my request because they could not reasonably confirm my identity. Then they proceeded to list various proofs of identity that need to be included in my submission in order for them to process my request. The problem here is that I included EVERY DOCUMENT THEY STATED, SPECIFICALLY THE FOLLOWING : 1 ) ( a ) driver 's license, 1 ) ( b ) utility bill and bank statement displaying date, current name and address, 1 ) ( c ) full name including middle initial, 1 ) ( d ) social security number, which was sent by way of social security card and all was sent in XXXX  scan format. I have the time stamped proof and all supporting documents originally sent with my original submission, which will be included with this complaint. I will also include for Experian 's convenience, an updated qualifying signed and certified victim determination document. Respectfully, there should not have been any hold up in processing my request and definitely shouldn't be 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 2024-08-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I received 3 savings account bank statements from Marcus by Goldman Sachs bank. I have never heard of them nor did I ever create an account. I asked for information on when they were opened and was told they can not give me that information and I would need to file a police report and a report to Id me. 

I did not open these accounts and do not want to be held responsible if anything happens due to fraud. I want these accounts closed immediately and to prevent further accounts being opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I changed my method of paying my mortgage to using XXXX XXXX from XXXX XXXX XXXX to 5th 3rd in XX/XX/year>. The form of the payment is described by XXXX as an electronic payment with a XXXX day turnaround. For example : If you send your payment on the XXXX of a month it will be DELIVERED the next business day. Every payment I have sent using this method has been documented to have been delivered BEFORE my grace period has ended with 5th 3rd and yet 5th 3rd Bank is claiming it is taking XXXX additional days to process the payment and charging late fees. 

I spoke with both XXXX and XXXX XXXX regarding this problem. 5th 3rd blames a " Third Party '' or " Clearing House '' for the discrepancies in the dates but XXXX assures me that if a clearing house were to be involved in the submitting of the payment I would be notified. 

Even when I show the Proof Of Payment from XXXX or my records from XXXX documenting the payment delivery dates they refuse to reverse the late fees. 

Also very telling in this process was the statement from the Supervisor from 5th 3rd that she has fielded a number of these same calls from other XXXX customers. It is very hard to believe that if you have a repeated issue with your customers someone at 5th 3rd could not PICK UP THE PHONE AND CALL SOMEONE AT XXXX BANK TO DISCUSS THE SITUATION AND ARRIVE AT A SOLUTION WITH HOW THE PAYMENTS ARE BEING MADE AND CORRECTLY COMMUNICATE THIS TO THEIR CUSTOMERS!!!!! But no, they would prefer to continue to charge late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I filed a dispute with Money Network on XX/XX/year>. {$930.00} was transferred out of my account to an account that I do not own. 

My dispute was denied because my funds were supposedly transferred into an account under my name. 

I told them that I pulled my credit report and I didnt have any other accounts under my name and social security number, so how would they deny it? Of course they did not have an answer. 

After doing some research, I found that there are hundreds of people reporting the same exact experiences online - their money is stolen, they file a dispute, the dispute is denied because it went to an account under their name, they appeal it, and the appeal is denied for lack of information. 

How is it that there are so many people experiencing the same situations with this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I made a payment on XX/XX/XXXX for XXXX and the company is holding the payment saying they have to wait 26 days for it clear. It has already cleared my bank. I dont have any late payments on any of my accounts with them, I have 3. customer service does nothing to help and so called supervisors don't help either. I asked for the bank policy in writing showing that payments are subject to being held. Also I have made 2 payments after that that were posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my 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 explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief