vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiri

es 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello My Credit Score has suddenly dropped after I tried to buy a XXXX XXXX XXXX so myself and my family can move to XXXX in XXXX TX. 

On Wednesday XXXX XXXX XXXX in XXXX PA told me I was good to get {$50000.00} XXXXXXXX XXXX  after I supplied them all my information. 48 hours later I am only eligible for {$10000.00}. 

I had called them to make an offer on the linked XXXX for {$45000.00} and I told them the price on this product was hiked up before I visited. I am very certain of this but unfortunately I had not made a screenshot of it. 

These XXXX usually go for low 50s. So now my offer cant even stand because my credit score plunged. How did this happen? 

Was I hacked at XXXX XXXX in XXXX, PA XXXX or XXXX  in XXXX, PA XXXX that I visited on Wednesday XXXX? 

XXXX XXXX XXXX XXXXXXXX A month earlier I got a Hard Inquiry on my credit report from XXXX XXXX on XXXX and I called them to find out if this was from your company seeking info on my credit score and a list of exactly what information was requested and what actions were taken. The reason is my score has dropped although I have made every effort to raise it to buy : 2. Home or land or XXXX to move near XXXX in XXXX TX. 

XXXX XXXX has not yet replied so I am asking you if Consumer Finance can brief me on what information was accessed during the Hard Inquiry and if the drop or freeze of my credit potential since could reflect possibly Financial Sanctions enacted against me? 

XXXXXXXX XXXX XXXX XXXXXXXX The reason why I suspect Financial Sanctions is because I have observed tactics blocking me from have an online presence, and most recently in XXXX and XX/XX/2023 I was charged 2X for my Formula1 subscriptions. Then the subscriptions were removed so I paid but cant watch F1 live nor was I refunded. 

Thanks for your help. 

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 2023-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On XX/XX/2023, Credit Karma closed my Money Savings Account due to contact information not being updated ( No communication asking to update my address no emails but I did try to update it multiple times and it was denied ) and claims they tried sending the money to my bank that is connected to the account for transfers that I used previously for adding to the account. On XX/XX/XXXX they sent a check to my old address. There was zero communication regarding my account closer or the supposed issue with the bank " reversing '' the money being sent. I contacted my bank XXXX XXXX and there were no attempted deposits from Credit Karma. I reached out to Credit Karma XX/XX/XXXX and found there was no customer service phone number but chats that were continuing to get disconnected. I reached out with my email on the account and received a response hours later. I provided Credit Karma with my Driver 's license, SSN card and two pieces of mail to verify it was my money. I have been told they sent it to a higher department and there is no timeline on when I will hear back. I asked regarding the check that was sent to my old address multiple times and was given an unclear response not knowing if it was cashed or canceled like I asked. I have not heard from them in 3 days and I have been told to wait. I have almost {$10000.00} in this account and I am afraid they will not release the funds. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
{$570.00} was paid to GM Financial to avoid repossession. Due XX/XX/13 and was paid XX/XX/13 car repossessed same night.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2023-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/2023 my husband sent an ACH transfer to my PNC account which was intended to become a joint account once I added him for our wedding savings. 
He transferred {$17000.00} to my account and it was never available.. none of it. PNC set it out to be fraud and they froze the account for A full month. We got no answers from anybody when calling or visiting the local branch. My husband had to personally message XXXX XXXX at the PA office through XXXX XXXX to tell him about the issue and the gross incompetence we had seen from the bankers. We were assigned to a lady named XXXX from executive client services. XXXX left us a voicemail on XX/XX/2023 telling us the funds had been returned. When we contacted XXXX XXXX XXXX NOTHING HAD BEEN RETURNED. We contacted XXXX XXXX YET AGAIN. And he moved the case to XXXX XXXX. XXXX gave us the same story. Except this time She transferred the money back to XXXX XXXX XXXXXXXX without telling us where it was going to and who she was in contact with.. we had to pull teeth to even get her to send us a tracing number which by the way was invalid. My husband was able to get executive client services from PNC AND XXXX XXXX XXXXXXXX on a 3 WAY CALL!!! 
XXXX XXXX from PNC stated that she had been in contact with XXXX XXXX from XXXX XXXX  XXXX. 
And that they had figured out everything about this transfer and we were in good hands. IT IS XX/XX/XXXX. AND WE STILL HAVE NO MONEY OR SIGNS OF WHERE THE MONEY WENT. My husband opened a claim with XXXX XXXX  XXXX and they barely even have any information. 

I need the following things. 

- PNC TO CONTACT XXXX XXXX FROM XXXX XXXX XXXX to see where this money is living. 

- GIVE ME US OUR MONEY BACK OR REFUND US WITH A CHECK. 

- we are sick to our stomachs it has been over 2 months and nobody knows what is happening. HELP. 

XXXX XXXX XXXX XXXXXXXX TO TELL US WHERE THIS MONEY IS AND GIVE IT BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Someone must have used my information to obtain a credit card or line of credit. 

I received a letter stating that a request for a credit product through Synchrony Bank for GUITAR CENTER was disapproved. 

1. I have no knowledge of a GUITAR CENTER. 
2. The address listed for Synchrony Bank is XXXX XXXX XXXX XXXX, PA XXXX. 
3. I have an account with Synchrony Bank and believe the real address to be XXXX XXXX XXXX XXXX, PA. 

This letter was forward from my previous address to my current address. 
I've moved in the last 30 days.

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 2023-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: MO

Complaint narrative:
I am a natural person, I am a living human being, I have rights under law 15 USC 1681. Security Credit Services is govern by 15 USC 1681. And has violated my consumer rights numerous of times. I demand a removal from this account off of my credit file. According to 15 USC 1681 : I have rights and i did not given Security Credity Services written permission to furnish this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: MD

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: MD

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing 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 explanation
Consumer complaint received 2023-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with fraudulent unauthorized inquiries

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 2023-06-16 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 have taken the liberty of providing you with the necessary documents to substantiate my claim. Please take immediate action to rectify this situation and ensure that the account is promptly removed from my credit report. Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2023-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I deposited my paycheck yesterday and they told me my funds would be availble today, but i am negative {$14.00} now and I called them, they can't release my money and now are telling me my funds won't be available until XX/XX/XXXX. I threatened to sue them and they said for my lawyer to call them and they'd transfer them to their legal team from there. I am freaking out and looking for ways online to get money because i have to get my belongings out of this apartment as I have been service forced detainer of eviction paperwork. I even told the banker because of this hold non sense my son and I are forced to be evicted and are in a homeless situation. They didn't care or even try to release my money to me. Why can other banks do release on holds of even the CEO of bank of american won't. I am very upset and in a bad 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 2023-06-16 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2023-06-16 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was approved for the XXXX XXXX XXXX XXXX from Chase 6 months ago and received a promotion to be automatically eligible for credit limit increase after using the card for {$500.00} USD or more and paying on time within 6 months. I diligently followed their advice by using the card for more than {$500.00} USD ( approximately $ XXXX to XXXX ) and made payments on time. However, still they never increased my credit limit. No consideration given at all. This is XXXX of my first credit cards in the United States and still in the credit building stage. They said the system does the approval and can not manually override. In my opinion, a human being can override a system if they want to but I guess they don't want to. At least they should consider my situation since I am doing my best to maintain a positive credit profile. I have spoken to many of their representatives and XXXX of them is from the lending department but still to no avail did bother to help me. I just wish no discrimination was involved here. I have been using this card heavily in the past few days and months. The problem is I have to transfer money from checking account to credit card every time I make a large purchase since my limit is only {$500.00} USD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: RFNA, LP
State: GA

Complaint narrative:
I spoke to the representative at Republic Finance in early XXXX explained that I was having a rough patch and that I would get the payments in as soon as I could. My track record was perfect with the exception of the last 2 months. I will have enough to pay them back in a month, but they don't care. Then after a barrage of calls, I finally called again on XX/XX/XXXX at XXXX. I told them that it was illegal to call me so many times especially after I had spoken to them. They just hung up. 
Recent Dates they called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called at XXXX - told them it was illegal. They hung up They kept calling at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing 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 explanation
Consumer complaint received 2023-06-16 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Again, same problems with Bank of America, problem not fixed. Another fraudulent door dash charge. 
I have a POA for my father. 
Took BOA 6 weeks to process POA. 
When my father and I called in, we were told " Why did it take you so long to report this fraud? '' Customer service also refused to issue a new card with new number " due to the POA. '' This was the same POA that they had previously refused to acknowledge. 
Fraudulent charge was only removed after 2 complaints to cfpb. 
Now it's started again. Submitted request to remove fraud charge from card. 
Got letter requesting further documentation. 
BoA has all the documentation. It's in all the complaints to cfpb. 
BoA is very well aware of the fraud and all documentation. 
This issue needs to be dealt with ; fraudulent charge needs to be removed.

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 monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: OK

Complaint narrative:
I mailed them a {$3300.00} check around XX/XX/XXXX to bring my account current and then pay towards my principle balance. Almost a month later they still have not applied the check to my balance and they continue to charge me daily interest on the past due balance that should not be past due.

Company response to consumer: Closed with non-monetary relief