vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-31 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:
My name is XXXX XXXX. I have been battling with these credit reporting agencies since 2021 regarding incorrect information on my reports. I have done all I can do and need help. I've gone to the police and filed a report. I've even gone to the FTC and filed reports but they refuse to do their job. My purse was stolen a few years back at a nightclub and I've had credit issues and ID theft issues ever since. This is effecting my life!!!

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 2022-07-31 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: IL

Complaint narrative:
My name is XXXX XXXX. I have been battling with these credit reporting agencies since 2021 regarding incorrect information on my reports. I have done all I can do and need help. I've gone to the police and filed a report. I've even gone to the FTC and filed reports but they refuse to do their job. My purse was stolen a few years back at a nightclub and I've had credit issues and ID theft issues ever since. This is effecting my life!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: MI

Complaint narrative:
Credit report agency is reporting inaccurate false information.

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 2022-07-31 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:
Credit report agency is reporting inaccurate false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: Avant Holding Company, Inc.
State: MI

Complaint narrative:
I was declined credit limit extension under applying with good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I signed up for XXXX credit card, first month bill was XXXX XXXX On XX/XX/2022 I did setup Autopay and on the same day I also paid Previous month balance manually. Again on XX/XX/XXXX same money XXXX $ was withdrawn from my bank, probably by autopay. Since payment was done twice, I was expecting it to be settled in next month statement. Next month and subsequent following months since XX/XX/2022 did not settle any money that was taken twice from my account, rather just received monthly balances in those months that I have been paying within due dates. I reported dispute with XXXXGoldman Sachs customer care via chat -phone on XXXX XXXX, XXXX They assured to resolve dispute and issue refund, initially I was told within 30 days and later they told it takes 90 days. I have all communications on my phone. 

My bank was charged twice for the payment in XXXX for the amount of XXXX on XXXX XXXX ( I paid one time ) then on XX/XX/XXXX or so by auto payI dont see that amount XXXX paid extra adjusted in following months statementsso filed dispute on XXXX XXXX Im yet to get back my money and today Apple/GS customer care executive on chat is saying resolution was done on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Someone was supposed to handle the situation.

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 2022-07-31 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: Open Dealer Exchange, LLC
State: PA

Complaint narrative:
Someone was supposed to handle the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST HERITAGE CREDIT LLC
State: SC

Complaint narrative:
I believe my privacy has been violated because I did not give written consent to report to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: CA

Complaint narrative:
Complaint To : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX MI XXXX, XXXX, 1st complaint number XXXX, Our deceased Dad 's reverse mortgage account should not be in foreclosure. The company requires that you send a 90-day extension request 6 months after the death of a family member. My father passed away on XX/XX/XXXX, and I emailed XXXX with the 90-day extension letter on XX/XX/XXXX. Also, I emailed it a second time on Friday XX/XX/XXXX. I called after and they said even though I sent it before the 6-month deadline they didn't read the email until Monday XX/XX/XXXX, therefore my dad 's home is now in foreclosure. That means normally his monthly statement has an interest fee of {$310.00} and monthly mortgage insurance premium of {$84.00} totaling {$390.00}. Now that the status says foreclosure, the new monthly fee is {$330.00} Interest, {$84.00} insurance, {$1500.00} attorney fees/costs, and title costs {$510.00} totaling {$2500.00}. They will continue to collect additional fees until we sell our father 's home. This is the second complaint I've put in with CFPB the first one XXXX Reverse Mortgage company sent a generic response saying, " they are not the appropriate company to address your issue '' Which is not true they are the company. I have spoken with XXXX in the " escalation department '' who sent my information to XXXX XXXX a manager in Texas and asked him to contact me. As of today, XX/XX/XXXX, I have not heard anything from XXXX 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 2022-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Hello its with cash app. I have direct deposit and received my Check on Wednesday @ XXXX. By XXXX my cash app had been charged {$350.00} and {$110.00} at a target In XXXXXXXX XXXX XXXX I didnt authorize or make this purchase I immediately locked my account and reported card stolen with cash app. I was told I had to let the pending transactions finish pending to dispute the charge. I had {$260.00} left in my cash app account the next morning while Im at work another {$350.00} transaction and and another {$110.00} transaction occurs which made me negative {$200.00} or {$200.00} something like that! Now I cant even got negative on cash app if you dont have the funds its declined period. So I contacted cash app and was told ok we can block the merchant and stop the pending transactions hmmm I jus called the day before and they couldnt do anything but once they see its negative oh they can help cause there money gone thats how I took it but needless to say I had my {$260.00} back immediately. But what about the other charges from day before? I was told ten business days to investigate. Ive submitted documents that I was at work the days of the purchase to be technical I had got off work a little after 4. But theres no way I can make it to NY and make these purchases. XX/XX/XXXX I was told my dispute was denied. Please help if you can Im currently working my XXXX off and cant afford to be robbed I get paid every two weeks and I have {$260.00} to last me the next two weeks. Jus to give a insight I bought a car last year and transmission went out its at the shop {$2000.00} to get out I have a car note {$330.00} and my house that I lived in last six seven years is up for foreclosure and the land lord never told us we got all documents in mail. I have a XXXX XXXX XXXX son thats starting high school soon. Im saying all this to say I CAN NOT AFFORD THIS LOST!! And Im so tired of cash app XXXX and Im determined to get my money back!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: MN

Complaint narrative:
I have sent a Federal Trade Commission Identity Theft Report to Trans Union, XXXX and XXXX. The following accounts and credit inquiries currently listed on my Trans Union, XXXX and XXXX credit report are fraudulent, unauthorized, and not mine : Accounts : XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, Credit inquiries : XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX. XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX, XX/XX/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 2022-07-31 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Someone was supposed to handle this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I extended credit to XXXX XXXX XXXX for the amount of {$200.00}. After the account became n the negative, I settled the debt without being notified of my right to dispute. According to the FCRA I HAVE THE RIGHT TO DISPUTE any and all information on my credit file. Section 623 ( e ) prohibits information furnished from providing information to a CRA that they know or a reasonable cause to believe is inaccurate. Upon looking at my credit file, how can a third party debt collector radius global solutions verify any information due to the fact we never entered into a contract together. Attached you will see all the inaccuracies that are being reported on my file. The date last active are showing two different dates and the date of last payment are showing two different dates. Under payment status it shows unknown on one and the other it shows collection/chargeroff. Also, the last reported dates are different. Now, they have violated me several times under the FCRA ( 15 USC 1681, 1681e, and 1692g. I will be forced to file a law suit and contact my Attorney General, XXXX, and the FTC.

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 2022-07-31 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have been a victim of Identity theft. I have sent several dispute to the creditor/and or XXXX XXXX XXXX and XXXX. The inquiries are as follows XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX, XXXX XX/XX/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 2022-07-31 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: NY

Complaint narrative:
I've disputed the company XXXX XXXX numerous times on my credit report due to them still reporting every month after we reached a settlement. It's still reporting negatively on my credit report monthly like it's still open and that's not fair. I already paid and settled this account. I also put security alerts and fraud alerts for all credit bureaus and someone was still able to run my credit fraudulently and bring my score down. This is not fair!

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 2022-07-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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

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 2022-07-31 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following XXXX XXXXXXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Open balance {$3100.00} High credit is lower than balance, delete for inaccurate reporting.

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 2022-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
Hi, my name is XXXX XXXX. 

I am contacting you guys because I feel like I don't know what else to do. I have been banking with Chime for 2 years now. Recently on XX/XX/2022. There was fraudulent activity on my account. My debit card was being used 3 hours away from where I was at. 

XXXX XXXX XXXX charged my card for {$520.00}. This activity was not me nor was I allowing anybody access to my card. 

Chime has closed my dispute trying not to help or give me my money back. The case is open again now. I tried to contact police and file a report but I keep getting messages back about how the reports are not in their jurisdiction. I tried for XXXX and XXXX Police. 

The hotel my card was used at has been contacted and they said they have marked it as a fraud booking but won't release any information to me or my bank. They said they can only talk to the police. 

Please let me know if you can help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: NY

Complaint narrative:
I've disputed the company XXXX XXXX numerous times on my credit report due to them still reporting every month after we reached a settlement. It's still reporting negatively on my credit report monthly like it's still open and that's not fair. I already paid and settled this account. I also put security alerts and fraud alerts for all credit bureaus and someone was still able to run my credit fraudulently and bring my score down. This is not fair!

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 2022-07-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I've disputed the company XXXX XXXX numerous times on my credit report due to them still reporting every month after we reached a settlement. It's still reporting negatively on my credit report monthly like it's still open and that's not fair. I already paid and settled this account. I also put security alerts and fraud alerts for all credit bureaus and someone was still able to run my credit fraudulently and bring my score down. This is not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: AR

Complaint narrative:
My mortgage was held by Citizens Bank. I refinanced my mortgage and the new one was sold right back to Citizens Bank. I had to reconfigure my online account and autopay settings. Their system malfunctioned and I was not aware of 2 missed payments. They claim to have sent me a letter and to have called me. But they admit they do not have a record of such a letter and that they use automated robocalls that are often marked as spam. Multiple calls and conversations with them result in unreturned calls or a flat statement of " we did not make any errors ''. I was reported to credit bureaus. 

Every time I have an issue with the account, wait times are between 2 and 5 hours to try to reach anyone. 

Today, I need to change the autopay settings and am currently locked out of the account because it is not recognizing the challenge questions/answers. All of the automated password reset options put me in an endless loop ( 5 or 6 times so far ) and have been on hold for 3 hours to speak to an actual representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: MI

Complaint narrative:
Hello, I first contacted PNC to dispute a charge on XX/XX/2022. The representative informed me there were several fraudulent charges. I began looking at my account and this has been occurring for more than a year. 

I've received documentation regarding my disputes : reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've contacted PNC numerous times. I've asked to escalate the call and they always send me to customer service whom does not know any information about my fraud cases and just reads me notes. When I ask a question, it is responded with, I don't know. '' I've also asked to speak to retail support. I've been told numerous times a manager will call me within 24-48 hours. It has been over a week and I have yet to speak with a manager the fraud investigator. 

I'm requesting detailed accounts of my disputes along with what was fraudulently purchased along with their reasoning. 

On every letter regarding the disputes is written, " We're here to help. If you have questions or would like to request a copy of the documents we relied on in making our determination, please call us at XXXX. '' I was informed by PNC customer service there are, " no documents, '' to send me. 

I'm also having this issue with PNC Points credit card. 

PNC did not close my checking account and after being provided a new debit card I still received fraudulent transactions which made me have to file additional disputes. 

In addition, PNC is claiming I did not file disputes until XX/XX/2022 which is inaccurate. 

At this point, I'm frustrated because I have reached out several times to PNC and have received no adequate answers regarding their findings or documentation as to how they came to their decision. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have been a victim of Identity theft. I have sent several dispute to the creditor/and or XXXX XXXX XXXX and XXXX. The inquiries are as follows XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Factual Data XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation