vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 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: PNC Bank N.A.
State: PA

Complaint narrative:
I applied and was approved for a PNC credit card which offered a {$200.00} statement credit for {$1000.00} spent within the first XXXX days of account opening. My account opening date was XX/XX/XXXX and I have not received my credit cards as of XX/XX/XXXX ( XXXX elapsed days ). So the promotional offer is only XXXX  days, not XXXX days. PNC representatives confirmed that there is a credit card production/shipping issue which has delayed delivery of the cards. So they have breached the terms of their offer and are not allowing XXXX  days to receive the promotional credit. I contacted PNC to request an extension to the promotion or reset my account opening date to the ship date of the card and PNC declined both.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.
State: SC

Complaint narrative:
I transferred cryptocurrency into a Blockchain.com account. Then I transferred the cryptocurrency into a new exchange wallet on XX/XX/2022. As of today, the transfer is still pending and I can not track it. I reached out to support and they said flagged for security check. I advised that I want them to proceed with the transaction and close my account after the transaction is complete which they are failing to do. They are withholding my currency for their own benefits. I asked for an ETA which they failed to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I requested a refund with Aidvantage for the money I have paid from XX/XX/XXXX until now. I was initially told it would process in 6-8 weeks. Ive called multiple times, and gotten told that its taking longer to process and that my timeline was pushed from 6-8 weeks to 10-12 weeks. After that I called and was told 14-16 weeks. I called today ( again ) on XX/XX/XXXX, its now been over 18 weeks and I was told that they dont have a timeline because they dont have any control over the next steps and theyre waiting on it to be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: PA

Complaint narrative:
I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with late payments removed. 

account listed below XXXX XXXX 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 2023-01-04 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: NC

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ha

s violated my rights . 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any pur
pose.

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 2023-01-04 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: NC

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
A year ago Bank of America decided to close my account. They sent me a check for {$3000.00} but it never arrived to my addrees : I called many times to the bank because the check did not arrive until one time one of their operators told me that the check was cashed. I never received the check, so, how was that possible? I submitted a claim to the bank, they ask me a notarized document, I sent it and several months later they sent me a communication about my fraud claim. They solved the situation and they sent me the check again on XX/XX/XXXX. Now I'm waiting for my check and I decided to call again because three months have gone by and I have not received my check. Aparently the check appears cashed again. I can not spend more money making documents, notarizing and trying to solve the problem. It is impossible someone cashed my check twice. They have a problem with their security or with XXXX  people. I dont know what is happening but I need my money back. I dont know if they have an internal problem with their employees or if their security system is not good. Nobody has my personal information or my signature, so how is possible someone cash my 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 monetary relief
Consumer complaint received 2023-01-04 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Upon looking at my credit report for XX/XX/XXXX, I discovered a late payment that caused me to get denied for credit. The late payment was for XX/XX/XXXX, according to 15 USC 1666b, it is a violation to report credit for any purpose. I am demanding that you correct the status of the error to good standing or I will have to go forward with litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: AL

Complaint narrative:
I am hereby reporting these hard inquiries on my credit report as fraudulent and not authorized by me. Therefore, I am requesting they be removed from my credit report. 

DO NOT mark this as a duplicate application or close it without resolving this issue because I have a right under federal law to report this matter and request action be taken.

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 2023-01-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
As I was closing my accounts for the year, I discovered funds missing from my Bank of America EDD account due to unauthorized transactions and transfers, so I filed XXXX claims on XX/XX/XXXX totaling appx {$5000.00} which is a significant amount of money to lose especially given I'm about to have a baby. It is now XX/XX/XXXX and Bank of America EDD Prepaid cardholder department refuses to abide by their prepaid cardholder agreement. No funds have been restored to my account nor has there been a decision made on whether or not they are to do so. I'm beginning to consider this a discrimination suit.

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 2023-01-04 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: OK

Complaint narrative:
It's been over 30 days and credit bureau haven't update information nor has provided proof or documentation in regards of late payments. They have not supplied this information and must delete the alleged late payments off my credit reports. under federal law they have 30 days to complete the investigation and by failing to do so the items must be deleted from the report as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting on my credit report after they said it would be deleted. 

XXXX XXXX  # XXXX I have no knowledge of this account I never lived at several addresses that reporting, Ive disputed them the only reporting should be XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX, the only phone number XXXX, the only name is the XXXX on file that shows my mailing address XXXX XXXX XXXX they havent sent documents requested, there are several inaccuracies on the payments, date, amounts, missed payments, no info showing please have them delete ive disputed this several times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: CT

Complaint narrative:
There is incorrect information on 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 2023-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I became a soul proprietor this year so I'm rally going through my finances this year for the first time. Going through my Amazon/Synchrony statements I noticed a " protection '' fee. After calling Amazon I was told to call the number on the statement. After calling the customer service rep told me that I have been paying this fee since XXXX! I never signed into this and if I did I was surely unaware of a fee. After cancelling the service I did my due diligence and started searching online to find out that they others have gotten full refunds when this has happened. I was told I was over the " XXXX days ''. This is absurd.

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 2023-01-04 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: TN

Complaint narrative:
I have been fighting with the Credit reporting agencies XXXX, XXXX, and Experian for over XXXX years now in regard to the inaccuracies on my credit report. I've even shown proof/copies of the inaccuracies and each time they send it back updated and verified. I know this to be false because they would easily remove the accounts from my report if they have done a proper investigation. They also have failed to provide proof of a proper investigation which I have asked for multiple times. TODAY I am taking a stand in gaining my life back. Because of these detrimental inaccuracies, I have been shamed by peers and employers neither have I been able to provide for my children as well, so today I am filing a huge complaint against 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 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I attempted to pay {$40.00} to XXXX XXXX XXXX on the PNC mobile app. The past week I received a payment from XXXX XXXX. Unfortunately I sent the payment to the wrong XXXX XXXX or an old XXXX account to XXXX XXXX. Immediately I called XXXX XXXX who refused to assist ( was not a costumer ) and then PNC, that stated I would have to complete a dispute. Once the transaction posted to my account I filed a dispute for the wrong individual. Recently I received notice that my own bank PNC wont return the money and declined my dispute. Where is the protection as Ive banked with PNC for a decade now! Id like a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: SC

Complaint narrative:
In reviewing my report from Equifax, I found unverifiable, invalidated, inaccurate, and questionable items. I do not have any accounts with these companies under collection nor for review. I have made numerous attempts to resolve this matter via mail and Equifax automated service, however, I had no success. The following items are unverifiable, invalidated, inaccurate, and questionable : Previous address : XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX, XXXX XXXX, SC XXXX ; Inquiries 1 ) XXXX XXXX ; Inquiry date XX/XX/2021, XXXX ) XXXX ; XXXX date XX/XX/2021, XXXX ) XXXX XXXX XXXX ; Inquiry date XX/XX/2021, XXXX ) XXXX XXXX XXXX Inquiry date XX/XX/2021, XXXX ) XXXX XXXX  ; Inquiry date XX/XX/2021, and XXXX ) XXXX ; Inquiry date XX/XX/2021 ; Open Account - XXXX Acct # XXXX - please remove inaccurate late payments and update to paid as agreed ; Collection Account - XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Acct # XXXX - please delete. these are not my accounts. I do not know who this information belongs, but it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
spoke to reprensative at this collection agency XXXX. last spoke with XXXX XXXX XXXX on XX/XX/XXXX. I have informed company that this debt is not mine, it was under a name AA, with whom I have no association nor do I know how they accessed my information whether it be ID or social security fraud/impersonation. I received a letter from XXXX XXXX stating that this should be erased from my file and accross the XXXX major credit reporting agencies. I have also reached out to XXXX XXXX ( last contact being today XX/XX/XXXX ) regarding this fraud and it still remains on my credit file negatively impacting my credit report and my ability to apply for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I filed a claim for several fraudulent ATM withdrawals. I explained that my debit card had been stolen along with my passport and XXXX credit card. I advised them that I did not make authorize these transactions. 

On XX/XX/XXXX I received notice that my claim was denied and to call them to get the information they used to investigate. 

On XX/XX/XXXX I contacted the claims department and spoke with a supervisor XXXX XXXX who stated that they will not honor the claim because my PIN number was used. I explained to her that I did not share my PIN with anyone and someone got a hold of it by another means. She refused to process my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MECHANICS BANK
State: CA

Complaint narrative:
Mechanics Bank XXXX XXXX bank are horrible and must be stopped!! 

1 ) They changed my due date while on autopay and continued to charge me late fees for months and never notified of this when I had alerts turned on for this and other reasons. 

2 ) I paid my loan in full after getting payoff on XX/XX/2023 and XXXX days later was charged again for different regular payment amount that I did not authorize. I have now been charged late fees for other charges. 

The bank 's systems do not work or work in the bank 's favor to generate illegal fees and/or extra payments they get to keep to generate revenue from interest. 

This bank must be stopped and/or audited severely. I'm seriously considering a class action on these clowns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: Experian Information Solutions Inc.
State: LA

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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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