vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information with Equifax. this has been an ongoing issue an needs to be resolved asap. checking my file it seems all of the errors are causing denials in my file. this needs to be fixed an updated. please review an remove all of the following data filed asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: MI

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 1 : Dept of EducationXXXX # XXXX, Account 2 : Dept of EducationXXXX XXXX XXXX, Account 3 : Dept of Education? XXXX  # XXXX, Account XXXX : Dept of Education/XXXX  # XXXX XXXX Account XXXX : Dept of Education/XXXX  # XXXX, Account 6 XXXX US Dept of EdXXXX # XXXX, Account 7 XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX, Account 8 : XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, Account 9 : XXXX XXXX XXXX XXXX, Account 10 : XXXX XXXX  XXXX XXXX XXXX5 USC 1681 Section 602 ( A ) States I have a right to Privacy.

15 USC 1681 Section 604 ( A ) ( 2 ) States a consumer reporting agency can not furnish an account without my written instruction. 

15 USC 1681 Section ( C ) ( a ) ( 5 ) States No consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information other than records of probation 's or crimes which anti-dates the report by more than 7 years. 

15 USC 1681 ( S ) 2 ( a ) 1 A person may not furnish any information related to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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 a fraudulent account and 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 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I got laid over in XXXX Friday XXXX and I had to find a hotel. I could get reimbursed up to {$250.00} from airline so I looked for hotel close to airport and that price range. The XXXX came up and would cost @ {$50.00} out of pocket so I took it. When I was looking at hotels and choosing them for their price and I would go to pay they would all go up a few XXXX dollars like a scam or cliche. I was in rush and had to be back at airport in XXXX hours. When this one came up total {$290.00} I took it it was advertised around {$240.00} befor taxes and fees. When I got home I see they charged {$290.00} but also took my {$160.00} reward bonus!!! That is not what I chose. This is XXXX  a scam. I also used my XXXX credit card to pay so hard to dispute although I will be writing federal banking. I want my {$160.00} I was scammed out of. As you can see I did screenshot a different hotel I was going to get but when Id go to pay it would be at least {$400.00}! It says on add members save 10 % well their price is far less than 10 % showing the glitches you were having. When I wrote hotels they asked for proof, I didnt know I needed proof for my purchases with them Ive had them over XXXX years and a gold member

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 2023-07-10 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: Chime Financial Inc
State: NJ

Complaint narrative:
On Thursday XX/XX/XXXX my bank account was hacked. {$940.00} was taken. Chime is my online bank. I filed disputes only to get denied. I am not being given an explanation as to why. In doing some research I found out this has happened in the past with Chime. I just want my money back but don't feel I am getting the proper help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover offered a credit card promotion and then put double interest into place. 
they kept increasing my credit limit etc and I really didn't understand their intent to increase interest. 
Finally I contacted them again for the 3rd time and they agreed to lower the interest rate. 
making it like it was my fault vs a partnership decision and they played no role in it. 
their advertising is a joke making it like they are your advocate. 
I am attaching a copy of what they agreed to and what their comments were. 
they assured me this was only " : in house '' and would not affect my credit or credit on the bureaus. I am writing this to make sure it does not. 
I will be paying this off and then I will make the decision whether they are closed or not as I just closed XXXX XXXX  XXXX cards due to interest and will only work with the ones with low interest and XXXX charges for credit card holding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I have filed XXXX complaint XXXX against PNC. I was scammed out of XXXX on XX/XX/26 and I am not so sure this wasn't an inside job. I have been told XXXX  times that the money was still at the wiring company while they investigated the dispute. Then when I push them as to why they would not return this money when they knew I had been scammed out of it they send a letter on plain white paper saying they were unable to get the money back. Not on PNC letterhead which also made me suspicious. 

This bank has handled this very poorly and I don't know who to trust there anymore. I dont know if I am taking to the bank or a scammer. I feel they are putting me off hoping I will go away and it's not going to happen. I am going to contact an attorney this week and discuss it with them. 

I want this bank investigated they put a hold on what little money I have left in my savings account which I was told they can't do that only the acct holders and irs can do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Money was debited from checking account on XX/XX/2023 using XXXX XXXX. As of XX/XX/2023, the bill was never paid. My payment is now late, and the lender is threatening to charge fees for the late payment and report it as a late to the credit bureaus.

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 2023-07-10 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: MD

Complaint narrative:
I have disputed a incorrect 30 day late payment with Transunion. This is the only bureau that is reporting this inaccurate report. My account was never 30 days late.

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 2023-07-10 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
AMEX OBTAINED MY A COPY OF MY XXXX CREDIT REPORT WITHOUT MY WRITTEN OR VERBAL AUTHORIZATION. I WOULD LIKE TO HAVE THE INQUIRY LISTED BELOW DELETED : AMEX - INQUIRY DATE : XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX XXXX I deposited a U.S. Treasury Department issued check into my checking account at the Wells Fargo Bank in XXXX XXXX, Florida. The bank would only make available {$5000.00} of the {$20000.00} check and placed the balance on hold. 

I complained to the bank XXXX XXXX XXXX XXXX but he refused to honor the entire amount of the check upon deposit and stated the balance would remain on hold. 

This is a government issued check by the U.S. Treasury Department and I should have IMMEDIATE access to the full amount of the check!

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 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On Monday XX/XX/23 I went into branch of Bank of America and opened a deposit account. Teller gave me direct deposit form and I gave to my employer on XX/XX/23 after holiday. Without any warning they closed my account on Thursday evening. No email, no phone call, nothing to give me a heads up so I can get my finances in order. My direct deposit went in on Friday. I asked for an escalation for me to get my funds from bank on the Thursday XXXX. Im a father of XXXX with bills and work very hard has a construction worker. My kids had no food all weekend. I could not feed them because Bank of America has my pay check. Its now Monday they have not had breakfast and now its looking like they wont have lunch. My daughters birthday is also tomorrow. I live paycheck to paycheck. I need my funds. The only thing the bank is telling me is I have to wait for an update from a department no one can talk too.

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 2023-07-10 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: CT

Complaint narrative:
I reviewed my Consumer Report and noticed that I had one late payment on account that I was never late for and was on autopay for 5 yrs. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late for any payments for any of my accounts including ( XXXX XXXX XXXX ) Please investigate and provide a proof with statements. If proof can not be provided I demand this late payment to be updated on time as it should be as I was never late ( 5 yrs autopay ) Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I went for a physical exam to the XXXX XXXX in XXXX KS. I paid the amount owed ( {$59.00} ) while theyre back in XXXX. Last month i received notice i was being sent to collections. i confirmed with my bank that the amount was paid on the day of service. I have called the XXXX XXXX several times and they continue to state that they havent gotten to it yet I only have XXXX days left before they submit to collections and hurt my credit for a debt i never owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I called the credit card company Total Visa in XXXX. It gave me a pay off amount of {$300.00}. I paid the amount to pay the card off in full. 
I did not receive a statement for XXXX. Then I get an Email saying it's over due & I owe almost {$100.00}. I call they tell me that I owed {$19.00} for the month of XXXX & it was due XX/XX/XXXX. But how can that be when I paid the pay off amount due in XXXX before the Cut off. And how dies {$19.00} turn into almost {$100.00} in a matter of days & I haven't gotten a bill?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business 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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The timeshare company called me to ask if I would like to put my timeshare into deferment. I agreed, and I thought that is what I signed up for, but a few months later, They reported the 2 payments as a default instead of deferment. I am unsure if it was a mistake, but I would like this fixed. I have been denied credit and I am very upset! I fight hard to eep my credit in good standing, so for this to happen, it is truly disappointing.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The timeshare company called me to ask if I would like to put my timeshare into deferment. I agreed, and I thought that is what I signed up for, but a few months later, They reported the 2 payments as a default instead of deferment. I am unsure if it was a mistake, but I would like this fixed. I have been denied credit and I am very upset! I fight hard to eep my credit in good standing, so for this to happen, it is truly disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Hello, there is a Hard Inquiry on credit report from today XX/XX/2023 in which - *I did not initiate * with JPMCB CARD SERVICES Inquiry : XXXX. XXXX, XXXX. XXXX retrieved via XXXX  XXXX  today. I did attempt to reach out to the company at the # on ( XXXX ) XXXX without any success of speaking with someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received a letter from Experian after I requested my personal information ; name and address be updated with one name and one address as there are multiple names and addresses that are incorrect on my profile. Experian has failed to update my credit profile with the exact and correct personal information, Experian has stated all addresses and names are connected to an account which is false. Experian is the only credit reporting agency that has thats has failed to update my consumer personal information. Please update my personal information with one name and one address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC 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 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: NY

Complaint narrative:
On XX/XX/23 I lost my Prepaid debit card. I last used my card at the Post office. {$4.00} earlier that same day, that may be where I lost my card. I eventually went home and realized I lost my card. I immediately called to get a replacement card. I then realized that someone found my card and was using it without my permission. I followed the instruction of the representative and soon filed dispute. ( XXXX ). I was told I would receive a provisional credit in 10 days while they investigated my dispute. The unauthorized transactions were : XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX  {$23.00} on approximately XX/XX/23 The bank decided to close my account, refund me the remaining balance that was left in my account after the fraud {$8.00}. And stated no error occurred and I would not be receiving any refund from the dispute I filed. I have since then made several calls and asked for the documentation they used to come to their decision, but I have not gotten any satisfactory answers. I followed all the bank 's protocol for losing a debit card, ( I notified them within 5 hours after losing it. ) I filed a dispute once the transactions posted to the account. But yet they are denying my dispute and closing my account. I think that is very unfair.

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 2023-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
Starting in May US Bank ( my mortgage ) sent a check for my homeowners insurance payment. that check was received and applied to my insurance and then my insurance was cancelled due to nonpayment. When I called US Bank they said they sent it to the wrong address and stopped payment on the check and reissued a new check # XXXX on XX/XX/XXXX going to the right address supposedly. I received email confirmation the payment was received and applied to my insurance. on XX/XX/XXXX I received my first cancellation notice for non payment and they again stopped payment on the XXXX check when I asked about it they said it was an error on their part and they would send another check overnighted. Again the check was applied to the account and my insurance was reinstated however a week later the check was again stopped payment on and another check would be sent out overnighted. My insurance has been cancelled now XXXX times because of this and is currently in a cancellation process waiting on yet another check to be sent. My issue is will they stop payment on this one as well.

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 2023-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
A credit card was open under my identity. The company told me to go file an identity report I did that and they still reported me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
this credit has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 602 a section 2 a consumer reporting agency can not furnish an accurate without my written instructions.

Under 15 USCS 1666b a creditor may not treat a credit card account open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation