vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/22, I sent a person {$300.00} to purchase a set of concert tickets. I used XXXX, thru my bank account so the transaction would go thru immediately since the concert was that day and I need the tickets asap. It was in two transactions of {$150.00}. The XXXX transaction of {$150.00} apparently didn't process so it was refunded to me. I called my local to branch and that was confirmed. So I sent the XXXX amount of {$150.00} and it happend again and pnce confirmed that but I wasn't comfortable sending anymore money with my money being in transitions. The PNC CS rep told me it would take up to 24hrs for the refund to shoe in my account. So I decided to cancel my agreement with this individual in buying the tickets and hoped my money would be back in my account soon. Within 48 hours it still wasn't showing any refunds so I contacted pnc again and the rep told me to file a report since there wasn't any refunds showing. I proceeded to do so, waited to hear from them while they looked over the case. I just received the letter today stating they will not refund me due to no suspicious activity on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX  years ago my ex boyfriend cosigned on a Best Buy CBNA credit card for me. When we broke up he said he was going to close the account so I the account so I cut up the card.. Needless to say he never closed the account and hes using the card and it's affecting my credit and I can not seem to get my name off of this, I can't even talk to anyone at Best Buy credit without knowing the account number and my ex 's social security number and I have no way of reaching him Or the account number... Please help me if you can

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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently disputed a collections account on that was on all of my credit reports from XXXX, Experian, and XXXX. When I disputed this account with Experian they did not remove this collection from my credit report while the other two credit reporting bureaus had removed this same account. This account was dealt with and removed from my XXXX and XXXX reports but the two times I've disputed attempted to dispute this account with Experian, they have updated it. The first time they changed the dollar amount from {$10000.00} to {$10000.00}, the second time they changed that amount back to {$10000.00}. I did provide them with the updated copies of my credit reports from the other bureaus showing that the account was not on there. As well as providing them with the actual dispute results from both of the other bureaus. They will not let me dispute this account again or provide any other information. They did not investigate this properly.

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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act 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 has violated my rights. 

15 U.S.C. 1681 section 602 A, state i have the right to privacy.

15 U.S.C. 1681 section 602 A, section 2, it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act 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 has violated my rights. 

15 U.S.C. 1681 section 602 A, state i have the right to privacy.

15 U.S.C. 1681 section 602 A, section 2, it also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
XXXX at Tower loan keeps calling and harassing my husband everyday at work about this loan We have had XXXX  XXXX times so we went in freedom debt to pay them but they refuse too. They need to quit harassing my husband at work the company is Tower Loan XXXX XXXX XXXX  XXXX IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted a dispute 4 times to experian XXXX XXXX XXXX XXXX  adjusted and it came back that debt collector confirm the information being report is correct and its not I have provided screen shots and still nothing I am requesting to see what my next steps are with Experian they have done absolutely nothing to correct or delete the inaccuracies on my report They are clearly out of FCRA compliance I did not get nothing from the this company nor Experian

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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In XXXX XXXX XXXX, I was call to a nation wide emergency because of the COVID19 pan. I was in the military when the world went into a state of emergency, Due to the nature of being in the military and and the duties that i had to do in the emergency of the world cause me to missed a payment on my XXXX XXXX credit card in XXXX XXXX XXXX. I didn't know i was penalized on my credit report for this late, I tried calling XXXX XXXX today to have this removed and they refused to help me.

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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Contacted Experian to have them remove XXXX XXXX negative item from credit report. 
Investigation took a month. 
They reported back saying the creditor refused for the item to be removed even though there is a court order of dismissal

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 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
HI, my name is XXXX and I need help or advice for my situation. I always file my taxes with XXXX XXXX XXXX XXXX however last year, I was XXXX  with XXXX XXXXXXXX child and my XXXX are considered XXXX so because of my concerns and fear of catching XXXX, I decided to file my own taxes online. Upon reviewing what I submitted, I noticed right away that I accidentally made a terrible mistake. The last XXXX digits on my bank account for direct deposit were XXXX and I entered XXXX. I called both the Irs and Chase bank and they both assured me that my refund would not process through the incorrect bank account because neither my name nor social security number was associated with the account. Unfortunately, they were wrong, and not only did my federal and state refund go into some random account but also a stimulus payment and XXXX  child tax credit. A total of over XXXX of my money into someone else 's account. The Irs did investigate and I received confirmation letters of everything that happened however the Irs could not force Chase bank to return the funds leaving me to deal with Chase bank on my own, I have exhausted everything. I've filed several claims through the bank and they keep closing them and keep giving me the run-around, this has caused so much stress. I'm just hoping that something can be done. Please, any advice will help. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
XXXX XXXX requested TRID docs from mortgage servicer/debt collector XXXX note from old lender - XXXX  and modification documents ( XXXX ) with new lender XXXX sent which do not disclose the Loan estimate and closing disclosures

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Albert Corporation
State: TX

Complaint narrative:
I closed my Albert app ( company ) account last XXXX, but the app maintained a nominal {$5.00}, or so, and thus remained active without my knowledge. Suddenly, without warning, in XXXX the app started pulling money from my bank account through ACH transfers. I tried to stop the transfers, but the app refused to let me access this function. To fix this the company asked for my bank account statements and photo ID to verify my identity, which I reluctantly did. I do not have active business with this company ( they've been silent since XXXX ) so I didn't want to resend this same information I sent them last XXXX. After all, if they lost it then, how do I know how secure my info really is? The app shows I have {$25.00} in cash and {$5.00} in savings. All I want to do is close the account, but they refuse to let me. I verified my bank account and ID. They acknowledged it was good and confirmed that I have access to the money, but the app still won't let me close the account. It says the balance must be XXXX first. It won't let me transfer the {$30.00} to my bank unless I verify my identity again and again. I am told to send my photo ID for every task I want to perform and the tasks fail anyway. Each time I complain that the app isn't working they ask for my ID again. They have already attempted to steal {$65.00}, then {$62.00} and then {$65.00} from my bank account, but my bank was successful in getting my money back. All I want is to close this account/app out as they told me they would in XXXX and have them delete my personal bank information. They simply refuse and they continue to harass my bank. Please help me close this down. All communication has been by text, so I have no transcripts. Their phone number is disconnected, so this company appears to be shady.

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 2022-09-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW financial is reporting my account late when its within 30 days of the federal guideline on making payments past the due date. I have contacted them and XXXX and they have no data or sent anything to XXXX to respond to the dispute. I have disputed this information multiple times and provided documentation to both BMW and XXXX that validate my payment was made within the given time period. I have attached my account statement with my due date and the date it was paid in the amount of {$600.00} on XX/XX/2022 via phone with there representatives since there online site was down for months. My payment is due the XXXX of each month. I have not heard from BMW regards to my dispute and its been over 30 days but they can respond to XXXX in less than 20 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have tried to get inquiries removed from my credit report as a result from identity fraud. I also has asked TransUnion to update my address and my employers as follows : Addresses that need to be removed : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX Employers that need to be removed : XXXX XXXX XXXX XXXXXXXX This is not my account please remove Acct No. XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Hard Inquiries that need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2022-09-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
In XX/XX/2021 I was notified by XXXX that there was a credit inquiry on my report for XXXX Toyota for financing. I did NOT give permission for this inquiry and never even visited the dealership. When I contacted the dealership and asked them why they ran my credit, they said its no big deal just call XXXX and they would remove it. XXXX stated that I should contact the CFPB and pending the results of an investigation by the agency they would determine steps for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Contacted XXXX to have them remove American Express negative item from credit report. 
Investigation took a month. 
They reported back saying the creditor refused for the item to be removed even though there is a court order of dismissal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: SC

Complaint narrative:
On XX/XX/XXXX, I contacted Edfinancial to request a refund of payments made during the Covid pause under the CARES Act, as I am now eligible for PSLF forgiveness. The payments to be refunded total {$5700.00}. There is also a deadline for the PSLF waiver application of XX/XX/XXXX. 

The representative said that it would take 150 business days (! ) for this to reflect on my account. WHAT?!? So I have to wait until 1 ) After waiver eligibility expires and 2 ) interest to begin accruing again for me to see this refund? This has to be a scam at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am a federally protected consumer and I am concerned that Affirm Inc may be engaging in deceptive behavior and in violation of my rights to privacy by not being in compliance with the Fair Credit Reporting Act. According to the Fair Credit Reporting act 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) the term consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. According to 15 usc 1681s-3 ( a ) ( 1 ) Any person that receives from another person related to it by common ownership or affiliated by corporate control a communication of information that would be a consumer report, but for clauses ( i ), ( ii ), and ( iii ) of section 1681a ( d ) ( 2 ) ( A ) of this title, may not use the information to make a solicitation for marketing purposes to a consumer about its products or services, unless 15 USC 1681s-3 ( a ) ( 1 ) ( B ) the consumer is provided an opportunity and a simple method to prohibit the making of such solicitations to the consumer by such person. After revising Affirm Incs privacy policy, Affirm Inc does not allow consumers to limit what is shared when it relates to information about consumers transactions and experiences. Affirm Inc has in fact shared information solely as to transactions and experiences and refuses to allow consumers to limit what is shared. I, the consumer, have never been provided an opportunity to prohibit Affirm Inc from soliciting anything to I, nor have I provided Affirm with direct consent and as a result of their unlawful behavior I have suffered substantial damages. I hereby demand Affirm Inc to remove any and all negative reports being furnished to consumer reporting agencies. Should Affirm fail to follow demands within 30 days from today, I intend to file suit. This is an official notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: PA

Complaint narrative:
I contact the collection agency by their email address and have not received any response, Please see below my dispute to FBCS , Inc : Ref No : Ref : XXXX " To Whom it may concern, This is Not my debt. I have never even heard of " XXXX XXXXXXXX XXXX  '' Nor ever had an account with them! I am very upset that you even sent a Collections letter to a XXXX XXXX, such as myself, and I am reporting your agency to the FTC at XXXX. unit. 


I am also sending a copy of your letter to my Attorney to see what recourse I have against the harassment and false accusations against me. 


Regards, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/2022 ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: PA

Complaint narrative:
I have disputed all inquiries on all 3 of the credit bureau because I am a victim of identity theft and have all these inquiries that I no nothing about and did not do also it was a auto loan taken out in my name and my info was shipped around to over 45 companies and now they are not removing them I have filed a ftc report and police report also someone is arrested rite now and told the detectives they purchased my information and also have a acct in my name and they wont help me and talking down on me because Im only XXXX I know I only have two credit unions and thts all I use to run anything all this other shopping around inquiries I did not do and am XXXX Im not getting the help I asked for I also placed a fraud alert on credit and freeze still they wont remove them

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