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

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 2023-07-07 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: FL

Complaint narrative:
Hello, i mailed experian a letter a few months back regarding the accuracy of my credit report. I have an address well there are two variations of the address and im asking for a removal of the address from the credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-07 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: FL

Complaint narrative:
I reviewed my credit report and found these fraudulent and unauthorized inquiries reporting on my credit report on Equifax, XXXX and XXXX. Here are the following fraudulent inquiries that must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX

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

Complaint narrative:
XXXX XXXX XXXX is reporting on my credit reports that I owe money to XXXX XXXX, {$250.00}. I have never received a phone call nor a letter from either the collector or XXXX The collector told me the loan was taken out XX/XX/XXXX at XXXX # XXXX. I called XXXX corporate office and spoke with XXXX and she said there is no loan, nor has there ever been a loan taken out from me from any store. I applied, but did not receive the loan. I was denied a loan. In XXXX I was living in XXXX XXXX, SD. Store XXXX is in XXXX XXXX, XXXX. I haven't been to XXXX XXXX, SD in literally decades. The biggest part of this is that XXXX  confirmed that due to the law changing surrounding the interest rates being capped in South Dakota, XXXX stopped doing business in XXXX XXXX as a whole in XXXX. If they stopped doing business in South Dakota in XXXX, how could I have taken out a loan from a XXXX XXXX store in XXXX? The collector also told me that XXXX  wouldn't be able to find me in their system without an account number, which they never even gave to me. When I spoke with XXXX at XXXX, she said that's a boldface lie and that they keep records for up to 15 years. Another interesting fact is that the collection company also said they took over another loan from XXXX  in the amount of {$750.00} ( or so ) and I have since been able to remove that from my credit report by myself. Now this one popped up. I am so angry and trying to clean up my credit and they keep putting things on my credit reports!

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 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I opened an account with Ally Bank earlier this year on XX/XX/XXXX and transferred {$100.00} on XX/XX/XXXX to the account. Later on XX/XX/XXXX my mom deposited {$100.00} and {$200.00} on XX/XX/XXXX via XXXX. I tried to transfer {$370.00} out via XXXX on XX/XX/XXXX this year and Ally Bank wouldn't let me. They restricted and froze my account claiming suspicious and fraudulent activity but it was me trying to get my own money from my account. They shut down my online account and I could no longer log in. I called multiple times and was put on hold for hours on XX/XX/XXXX until the bank hang up on me and told me there was nothing they could do. I kept calling in XXXX and XXXX and XXXX many times and was put on hold and transferred for hours and never was able to access my account or money again. Finally on XX/XX/XXXX I called and was told that they closed my account and sent me a check, but I never received any check. I told them I had not received the check and they sent me an affidavit to sign on XX/XX/XXXX which I signed and sent the next day via XXXX mail and fax. I still have not received the check for my money. The bank stole {$400.00} from me and I need the money back.

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 2023-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2023 and XX/XX/2023, I fell victim to a multi-layered scam operation run by criminals presenting themselves as Citibank employs which involved me making deposits for a total amount of XXXX USD from my Citibank account to fraudulent firm ( XXXX ).

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

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by Scammers impersonating XXXX employees ( the Fraudsters or the Company ) which involved me making deposits for a total amount of XXXX USD ( XXXX USD from my checking account and XXXX USD from my savings account ) from my XXXX account to PNC at the instructions of the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
I closed my account with Citizens on XXXX XXXX. I kept receiving eNotiication alerts after account closing so I called Citizens on XXXX XXXX. They relayed that my XXXX XXXX  had a recurring payment and they had to re-open my account. The customer service rep said they will send a check and get the account closed. I asked them to send me a letter in writing that account was closed. I immediately updated my payment method on XXXX XXXX. On XX/XX/XXXX and XX/XX/XXXX, I received letters from Citizens for change of address. 

I received a letter on XXXX XXXX ( letter dated XXXX XXXX ) from Citizens that I have an overdrawn amount of {$3.00} and I need to pay it to close the account. I called Citizens on XXXX XXXX regarding this and they conveyed that a service charge was added because no deposits were made and the amount has now increased. They are unwilling to resolve this because of system limitations. 

Issues : 1. I willing closed my account and ended my relationship with Citizens on XXXX XXXX XXXX. After finding out in XXXX that a transaction was made, I rectified the payment method and have an email from the card that my payment method was updated in XX/XX/XXXX. Citizens shouldn't be charging service fees if they never obtained my consent about re-opening the account and for all intents and purpose I had closed the account and was conveyed the same ( yet again ) on XXXX XXXX XXXX. They are going to keep charging me the service fee unless I deposit money or settle which are not fair options given the account closure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Late XXXX  on XXXX XX/XX/2023 we made an arrangement with a moving company that misrepresented themselves. They claimed to be affiliated with a recognized company, which they were not, and we immediately tried to cancel the service before they processed the payment on XXXX XXXX. They were unresponsive, so first thing that morning I contacted Chase bank to try to stop them from issuing funds to the merchant. We cancelled the debit card and were issued a new number, so the funds should never have been withdrawn. 

The bank statements indicated that they did post the charge anyway on XXXX XXXX, but it was refunded by Chase bank on XXXX XXXX. I thought the issue was resolved. 

More than 45 days later, on XXXX XXXX I saw that the charge was being reversed again to my account. I contacted Chase who said they substantiated the claim with the merchant and I should try to follow up with them, but that is impossible. The representative even said it sounded like I was scammed, but they were unwilling to help. They are siding with a fraudulent entity rather than a loyal customer. I acted as swiftly as I could to try to prevent the scam. 
I have not been provided the evidence from Chase, but I expect it relates to a clause on the agreement that it couldn't be cancelled within a timeframe without forfeiting the deposit, but I believe that is an illegal contract stipulation, as there should be protection that any such contract can be cancelled by written request, which I tried to do to revoke authorization of the payment before it was processed.

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

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-07-07 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: BMW Financial Services NA, LLC
State: NV

Complaint narrative:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it XXXX have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Unable to add authorized user. Added an authorized user and accidentally mispelled the last name. So I went ahead and removed them, to add them with the correct spelling. Capital one is refusing to let me add them. They say once somehow has been removed, they can not be re-added. This seems like a completely arbitrary and illegal rule that no other bank that I've ever encountered in the United States has. Second of all, I am not re-adding the same person technically as the last names are clearly different.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed my credit report. A Company called credit corp solutions is reporting on my XXXX credit report. The account number is XXXX. The debt reporting is {$360.00}. I am not liable for this debt with XXXX. I do not have a contract with Credit Corp Solutions. They did not provide me with the original contract as requested. I demand this account be removed as it is not my account.

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

Complaint narrative:
I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information as soon as possible.

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 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America modifies due dates, asses late fees, and compounds interest in a way that should be illegal, if not already. 

Due to Bank of America modifying the date that a credit card statement is processed it is impossible to schedule a ( date ) recurring payment that assures you have a XXXX balance as of the statement date. Moreover, even if you do pick the correct date, charges that occur on that date, after the transfer of funds are carried forward. Bank of America asses interest on your account at the last possible minute but does not give you the option to pay after/just prior to this assessment. I was told over the phone this can be done, but it can not be signed up for online. 

I was charged late fees and interest totaling {$100.00} over XXXX  months, while making a payment each month for the complete balance of the card as provided by BoA, within XXXX  day of each other in calendar date. Bank of America never notified me of any interest or late fees being assessed and does not have an option to do so. They provide options to alert me on individual credit purchases over a dollar amount or checks posting, but can not alert me to late fees or interest assessed? This is an abusive banking practice and should be mandated by law. 

I was never notified the account was past due in XXXX, and only let me know after multiple days of assessing interest in XXXXXXXX XXXX  XXXX 's payment. The late fees and interest are retroactively added to the previous month 's statement so that without opening past months statements in online banking there is no way to know that interest or late fees were assessed. I was never able to find a {$39.00} late fee I was told was assessed in XXXX anywhere in their XXXX  app, which is my primary way to access banking. I only found it when viewing XXXX copies of statements from the PC. 

After calling Bank of America they offered to credit me back the {$100.00}, but said I would need to call back and pay an adjusted balance if I continued to use the card in XXXX, which does not make sense as interest should not be being compounded on purchases made prior to a closing date. Bank of America charging me daily interest on charges I am currently making is an abusive banking practice WHEN I'm not even aware my account is past due.

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