vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenty Bank acknowleged my concern and stated via secure messing to continue my account by aloowing me to use an alternative method to continue paying my account. 

However, they have used the excuse that since they no longer own the account they can not access the files to review and follow thru on there obligation. XXXX XXXX XXXX would not cooperate on accessing the secure messiging system when asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
JP Morgan Chase is committing theft. They took {$80.00} from me in the form of unauthorized duplicate payments and XXXX money transfers and refuse to refund me. They told me I " might '' get my money back but no guarantee. I spoke to 7 people and all of them told me the same thing, then they refused to give me any kind of documentation or report about this claim. They are thieves and incredibly corrupt. I am pulling all of my money out of Chase and closing my account permanently but have to wait 10 days until they " decide '' whether or not I deserve my money back that THEY stole from me. 
Then, when my friend tried to send me money, they told me they are withholding my transfer. Chase refused to look into it and said HE has to call, even though the money left his account and his representatives ( also at Chase ) said I have to call. So we are just going round and round with no resolution. One of the " supervisors '' even hungup on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit acceptance is not updating information or reporting payments and chargeing illegal fees and not fixing accounts and adding fraudulent interest

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted documents to this company via certified mail which were police report and ftc report indicating that the account they are reporting to my credit reportis fraudulent and should be removed immediately I have not received any response certainly not in written I also sent in a debt validation letter giving 30 days to provide and contracts to validate this debt and have not received anything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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:
I submitted documents to this company via certified mail which were police report and ftc report indicating that the account they are reporting to my credit reportis fraudulent and should be removed immediately I have not received any response certainly not in written I also sent in a debt validation letter giving 30 days to provide and contracts to validate this debt and have not received anything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
I have requested several times for this unauthorized inquiry to be removed from my credit report. I did not authorize anyone or any company to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: AL

Complaint narrative:
My dispute has not been resolved. No one is looking into the way the payments were applied or allocated. Instead they are only validating that I recent a default letter. 

As of XX/XX/2022, my account was completely current. The payment history shows that my account was not even 30 days late. Theres also late fees that were removed as a courtesy that has been applied to the account as well an mysterious insurance rebate termination. I will resume consulting with an attorney at this point. 

As representative from the redemptions department by the name of XXXX reviewed my account with me. We were on the phone over 2 hours. She saw something on the account that raised a concern. XXXX as well as a team lead reviewed the account together and both were in agreement that something has went wrong! I was told that the account department would be notified as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: CA

Complaint narrative:
I keep having someone applying for credit in my name without my consent. I've had to file another FTC report to try and get these inquires removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: CA

Complaint narrative:
I keep having someone applying for credit in my name without my consent. I've had to file another FTC report to try and get these inquires removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On my credit report there are several errors. I spoke to the original lender and stated there was nothing they could do. XXXX reported on XX/XX/2021 was when account was last active and XX/XX/2021 was last payment. XXXX  states on XX/XX/2021 account was last active and XX/XX/2021 was last payment. Equifax states XX/XX/2021 was last active and XX/XX/2021 last payment was made. All these errors on this report are confusing. This has caused me stress and time lost to complete my goals with my credit. Please remove this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: MI

Complaint narrative:
On my credit report there are several errors. I spoke to the original lender and stated there was nothing they could do. XXXX reported on XX/XX/2021 was when account was last active and XX/XX/2021 was last payment. Experian states on XX/XX/2021 account was last active and XX/XX/2021 was last payment. XXXX states XX/XX/2021 was last active and XX/XX/2021 last payment was made. All these errors on this report are confusing. This has caused me stress and time lost to complete my goals with my credit. Please remove this off 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 explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Reference PNC internal Claim # XXXX We are writing to file a formal complaint against PNC Bank regarding their failure to endorse or return the insurance funds issued by XXXX  to repair our home after the severe storms in California earlier this year. Despite the Federal Government and State declaring a State of Emergency, mandating the immediate release of these funds, PNC Bank has shown a complete lack of responsiveness and accountability in handling our legitimate claim, and ambivalence to the civil and Federal codes it is violating. 

Details of the Complaint : XXXX. Non-Endorsement of Insurance Funds : After experiencing severe storms in California, we were entitled to receive insurance funds from XXXX to repair our home. However, PNC Bank has continuously neglected to endorse the funds, leaving us unable to initiate the necessary repairs and recovery process. 
XXXX. Lack of Assistance and Deliberate Delay : Numerous attempts have been made to approach PNC Bank for assistance in releasing the funds, yet they have either outright refused or deliberately prolonged the process. This prolonged delay has caused significant distress and financial hardship on our part. 
XXXX. Forced Withdrawal from High-Yield Interest Accounts : Due to PNC Bank 's refusal to release the insurance funds, we have been left with no choice but to withdraw money from high-yield interest accounts in order to pay vendors for the essential repairs. This has resulted in significant financial losses on our part. 
XXXX. Violation of Legal Rights : By withholding the insurance funds without any reasonable justification, PNC Bank has flagrantly violated our legal rights as a customer. 
XXXX. Claim for Lost and Earned Interest : The insurance funds totaling {$20000.00} have been held by PNC Bank for an extensive period of XXXX weeks. Given the current interest rate of 4.6 %, we demand compensation for both the lost interest on our funds during this time and the earned interest we would have otherwise accrued. 

We seek prompt action and resolution from the CFPB to address this matter. Our situation is urgent, and we require the immediate release of the insurance funds owed to us by PNC Bank, as well as appropriate compensation for the financial losses and distress we have endured. 

Please note : At this time, all vendors have been paid for their services through other funds that we have available that are separate from PNC. However, PNC remains to retain funds at this time. 

We trust that the CFPB will conduct a thorough investigation into this matter and ensure that PNC Bank is held accountable for their actions. We eagerly anticipate a swift and satisfactory resolution to this distressing situation. 

Thank you for your attention to this matter. Please feel free to contact me at the provided contact details if you require any further information or clarification. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
On XX/XX/2023 I sent an email to XXXX disputing debts in letters from XXXX XXXX XXXXXXXX dated XX/XX/2023 and XX/XX/2023. In that email I asked them to verify the debt and to stop contacting me. On XX/XX/2023, I was served an Original Notice for one of these alleged debts saying XXXX XXXX XXXXXXXX was suing me in XXXX XXXX, Iowa XXXX XXXX XXXX. On XX/XX/2023, I received a packet in the mail from XXXXXXXX XXXX XXXXXXXX in an attempt to verify the debts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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 — Overcharged for something you did purchase with the card
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In Late XXXX, I was overcharged at a XXXX XXXX in XXXX. There appeared to be a dispute for the billed items. I agreed to pay {$300.00}. The XXXX XXXX did not give me a receipt nor have me sign anything. 

When my statement came on XX/XX/XXXX, I saw they had charged my card {$600.00}. I called them and they would not take my call nor return my call. I reported the fraudulent charge to XXXX card the next day and explained what happened. 

XXXX then sent me a letter saying I needed to provide an invoice that showed {$300.00} with my signature. I explained that did not exist, and neither did an invoice signed by me for {$600.00}. 

XXXX then sent me a letter saying they were denying my fraud complaint. They then sent me a nasty letter saying if the amount is not paid, they will report to the credit bureau. The amount I contested was paid as soon i as i saw they were trying to charge me interest before the claim was denied. 

I am referring to the CFPB because my card was charged a fraudulent amount, the merchant has no proof i agreed to the inflated amount, and XXXX card has called me a liar and threaten to report me to the credit bureaus if i do not pay something i have already paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I want to report them for their incredibly poor customer service and the number of months I've tried to resolve fraudulent charges. 
Fraudulent charges appeared on this card in early XXXX. I have never used the card so every purchase ever made was fraudulent. I disputed all charges which were credited back to my account over a few months. A new card was reissued in XX/XX/XXXX and new fraudulent charges appeared. They allowed a XXXX subscription to renew on the new card. 
Again, called to dispute the new charges and requested they close the account. I was told they could not close the account until the charges were settled. And, that it may take up to 60 days to investigate. 
In the meantime, late fees and interest charges occurred each month and they were threatening to report to a collection agency. 
I have spent hours and hours each month to get these resolved. As of today, they still reported disputes under investigation since XX/XX/XXXX. 
After 1+ hours today and speaking with three representatives who I could barely understand, I'm told they will have reversed all charges but I won't be able to see that for 3-5 days.

I have to assume their systems are live and that these reversals should be visible online immediately. 
Something needs to be done. This has to fall under some kind of law which protects XXXX  ( XXXX XXXX XXXX  ). I was very close to just paying the balance to make it go away. Instead, I spend hours each month getting passed around. I was told today that I couldn't speak with a manager because they couldn't help me. 
The last agent ( work ID XXXX ) assured me the account would be credited to a zero balance and it would be closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: SG and Associates
State: LA

Complaint narrative:
I RECENTLY PULLED MY CREDIT AND THIS COLLECTION WAS ON IT. THE COMPANY NEVER SENT ME ANYTHING BY MAIL, EMAIL OR ECT. TO GIVE ME A CHANCE TO VERIFY ( CHALLENGE ) THE DEBT WAS EVEN VALID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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: CA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my 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 explanation
Consumer complaint received 2023-07-25 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: NJ

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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: NJ

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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