vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I requested an explanation of why some billing statement notices have not been provided. They should have gone ( separately ) to both me and my wife. I was only told that we asked for electronic statements, not paper statements. While correct, that does not explain why some electronic statement notices were not provided. I have requested that all associated fees and interest be forgiven. That has yet to occur. In addition, I expect to ask that credit reports be corrected appropriately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I was trying to purchase an apple watch  online back in XXXX ; however, my daughter found a cheaper watch while I was on the phone with customer service rep for Apple Store Online. I cancelled my order before I got off the phone. So, to my knowledge everything was ok back in XXXX I notice my Apple XXXX Card / Goldman Sachs there was unknown monthly installment plan for a watch that I cancelled. I called Apple Store Online customer service, and they could not find my order or tracking number. Goldman Sachs cancel my claim because I could not show proof, I returned order. How can I should proof if I never received an order. Apple online store could not find the item number or proof of delivery so how I could I. This is horrible I want my money back. Apple can see all of devices and I do not have a apple watch order online from Apple, I have a apple watch from XXXX XXXX XXXX thats why I canceled my order, I got a better deal so thats why I cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
RE : You Violated The United States Code Law 15 U.S. Code 1681 ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Reinvestigation procedure letter was received by Transunion on XX/XX/2023 See certified USPS tracking # XXXX Present day-no description received after 15 days. 

This a violation of my rights and I demand these accounts be deleted per consumer law 15 U.S. Code 1681 ( 7 ).

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 non-monetary relief
Consumer complaint received 2024-01-01 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo account. Account belongs to my estranged husband. Who added my name to his account without my knowledge or consent. This I believe happened in XXXX of 2023. When I became aware of this I requested he have it removed. He called wells Fargo and made request. Today I checked my credit report on XXXX XXXX, XXXX and XXXX and i have it listed on these reports resulting in a XXXX point credit drop. I want this removed ASAP I had planned on purchasing a home and this has caused severe damage. I believe this is tantamount to fraud as I did not give permission for this either verbally or in writing. This is extremely poor practice. What would stop someone from adding XXXX XXXX name to all their accounts. Please help get this corrected.

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 2024-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
On XX/XX/XXXX credit card ending in XXXX and one other was paid off in full then on XX/XX/XXXX new charges started showing up on this credit card. I sent XXXX XXXX a letter that I never reopened this credit card and this was ID Theft. Then in XXXX I started to get collection letters and phone calls trying to collect on this credit card first by Resurgent and at the same time by XXXX XXXX XXXX and LVNV Funding. I sent them the payoff letter and the ID Theft letter. All they sent back was a copy of an invoice that was XXXX years old and had an address on it that I had not lived at for XXXX years. I even requested from them under the FTC guild lines of ID Theft to provide the required information. They never did reply. I also asked them to remove this information on me from the credit report companies that they had reported this to, they refused. Then on XX/XX/XXXX LVNV Funding hired XXXX XXXX XXXX XXXX XXXXXXXX to file a claim in small claims court. Again I asked XXXX XXXX to provide the requested information under the FTC ID Theft guild lines. XXXX XXXX refused. We went back and forth in court paper work then in XXXX of XXXX LVNV Funding by XXXX XXXX request that this case in small claims to be Dismissed and the court did a dismissal order. Again I asked them to have this information on me removed from the credit report companies that this had been reported this to, they refused. The court requested the same information that I did and they could not provide it. This was a fraudulent law suit knowing that they had no proof to back up their case and this was ID Theft from the start. In XXXX XXXX, XXXX, XXXX XXXX and XXXX all had data breach. XXXXXXXX XXXX was the company that issued the credit cards for these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting 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: Early Warning Services, LLC
State: WI

Complaint narrative:
I called early warning systems to opt out and I was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: PA

Complaint narrative:
On XX/XX/, I sent my FTC report and my license to XXXX, XXXX, and Transunion. I will be filing a civil suit for reporting fraudulent accounts on my consumer 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 2024-01-01 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: PA

Complaint narrative:
On XX/XX/, I sent my FTC report and my license to XXXX, Equifax, and XXXX. I will be filing a civil suit for reporting fraudulent accounts on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 2024-01-01 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I noticed unauthorized inquiries on my credit report that I would like removed within no later than 4 business days as per U.S code1681c-2 - Block of inquiries resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: PA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-01 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: PA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-01 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
Ally financial is providing incorrect loan date on my consumer reports. I opened a vehicle loan on XXXXXXXX XXXX on a XXXX XXXX XXXX Ally financial is reporting the loan as opened on XXXX XXXX which is completely false. I have reached out to Ally Financial several times in XXXX about this matter. each time they have told me a supervisor would reach back out to me within 48 hours. I have yet to recieve a call back from anyone regarding this matter. All phone calls are recoreded. and the only paperwork i have recieved is a payment breakdown regarding this 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 2024-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WATERSTONE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I just moved to XXXX XXXX at the beginning of XXXX. Instead of renting, I was willing to buy an apartment. I've just got a job as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I applied for a mortgage, and the lender told me I needed a co-signer. A friend of mine agreed to be my co-signer. He is an XXXX XXXX XXXX  XXXX, TN. 
We started the whole process. I paid for the appraisal and wrote a check for the deposit of XXXX dollars. I paid for the condominium fees and other fees related to the mortgage. 
At the very end, my co-signer told me he was going to sign for me only if I was going to give him XXXX dollars, saying that he needed to protect himself. I told him that was not in the terms, and I felt like he was blackmailing me. He insisted that I either pay him or he wouldn't sign. I kept the text messages he sent me insisting for me to pay if I wanted his signature. 
I decided to withdraw from the mortgage deal because I felt I was in a scammy situation. On the other hand, the lender is now telling me that most likely I am not going to have my deposit back. I am going to lose over XXXX dollars, and I also got myself in a dangerous situation because I thought I was going to move into the new apartment soon, but it was not like that. I must look and rush to find a place because I live temporarily at a friend 's house. I am losing my furniture because I can't find a place to fit it, and I can't end up homeless. This " friend '' caused me emotional and financial distress. I need help, please.

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX is reporting collections on a case that was already addressed here with the CFPB. XXXX XXXX. Two accounts are showing on my report. Earlier this year, I reported them here. They failed to return a reply in 30 days. Please have both XXXX XXXX removed from my credit report for failing to comply within the legal 30 day statue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I lost my phone. Someone used it to make purchases in the amounts totaling XXXX dollars. Someone then turned my phone into the police station. They changed my account number and replaced my bank card but only refunded XXXX dollars

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 2024-01-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I received two American Express Prepaid Business Gift Cards from my job as part of a holiday bonus. They're described as being able to be used the same as any credit card in store or online, but I have not been able to claim them on any websites I've tried, from big brands like XXXX to using them as donations for local charities. Their website options simply say to keep trying or try different stores, but I want to be able to use them as advertised anywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act Account name : XXXXXXXX XXXX  Account number : XXXX Account name XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 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: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: CA

Complaint narrative:
These 3 inquiries are needed to be removed asap XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Account number N/A, MisleadingXXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Account number N/A MisleadingXXXX, XXXX XX/XX/XXXX Account number N/A. Misleading Apart from those 3 inquiries mentioned on the previous page these are the other following inquiries with their dates that I don't consider are mine and I want them to be gone asap from all my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also I would like to inform that in all the credit bureaus my employer isn't being spelled accurately in all my credit reports. I'm self employed and my business name is XXXX XXXX XXXX kindly fix the spelling. Please make sure that on the business credit bureaus side of my XXXX XXXX XXXX shall have XXXX : XXXX and XXXX : XXXX as their respective codes don't assign anything based on your assumption or anything other then these two that I have mentioned above as my these are right codes for my business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 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: CA

Complaint narrative:
These 3 inquiries are needed to be removed asap XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX  Account number N/A, Misleading., XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Account number N/A Misleading., XXXX XX/XX/XXXX Account number N/A. Misleading Apart from those 3 inquiries mentioned on the previous page these are the other following inquiries with their dates that I don't consider are mine and I want them to be gone asap from all my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I would like to inform that in all the credit bureaus my employer isn't being spelled accurately in all my credit reports. I'm self employed and my business name is XXXX XXXX XXXX kindly fix the spelling. Please make sure that on the business credit bureaus side of my XXXX XXXX XXXX shall have XXXX  : XXXX and XXXX : XXXX as their respective codes don't assign anything based on your assumption or anything other then these two that I have mentioned above as my these are right codes for my business.

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