vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have no knowledge of this XXXX credit error showing on my credit report. I was a victim of Identity theft and reported it on XXXX & XXXX. I dont know if this is associate with that but this is not my debt. I have mailed out 2 request to the credit bureau and the company. I have not received a response from the credit bureau and XXXX told me they have no record of an account with me. I need this collections 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 explanation
Consumer complaint received 2023-02-16 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: GA

Complaint narrative:
I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.

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 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: CA

Complaint narrative:
This is claim against PNC Bank. PNC Bank is not honoring its policy of 24 hours of extra time remaining. When the balance is less than {$0.00} PNC bank gives you a 24 hour period to bring the balance to positive before charging overdraft fees. On XX/XX/XXXX my balance was negative- {$170.00}. I received a alert email from PNC bank stating that if I didnt bring my account to at least {$0.00} by XXXX XXXX  on XX/XX/2023 I was going to be charged overdraft fees. I brought my balance to positive within the dateline. 
On XX/XX/2023 at XXXX XXXX  my balance was {$2.00}. The next morning XX/XX/XXXX I noticed the account was charged service fees of {$7.00} and that I was also charged an overdraft fee of {$36.00} leaving my account negative. My account balance was positive at XXXX because I brought my balance to positive before the dateline yet I was charged overdraft fees. The time passed between my positive balance and the {$7.00} service fee was less than 24 hrs. I called the bank but they refused to help or remove the overdraft fees from my account. 
Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello Sir/Madam, I received a letter mail from Chase on XX/XX/2023 that they decided to close the checking account and one of chase credit card by XXXX 2023. I have been using the checking account for more than 10 years and have been loyal customer to chase. I don't understand why all of a sudden they are closing my accounts. I have called Chase and they couldn't give me an answer as well. My transactions are very normal as usual, normal direct deposit, normal transactions. They are closing my accounts without giving any reasons. I only have one account, now I have to open others and try to move things fast to move the money out of Chase. This is just so insane, I need to complain on their service to treating a loyal customer like this!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

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 non-monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: DriveNow Leasing LLC
State: NC

Complaint narrative:
This dealership scammed me for years they kept intimidating me and not giving me tags or my title that so long ago should have belonged today : the purchase purchase price of the truck is XXXX And I have paid XXXX So far. 

They tricked me into signing some extra contracts to say that I had to pay triple of what the original contract was worth they done repo truck and trailer the way it set up it was 175 precut interest they refuse get my tags I cant not run with tags expired to make the money make the payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Problems paying off Comenity Bank. I took out a loan with XXXX XXXX  XXXX XXXX to payoff debt with Credit Card with Ultamate Rewards/Comenity Bank . XXXX XXXX  XXXX XXXX sent a check to XXXX Bank in the amount of {$10000.00} with my account number check dated XX/XX/XXXX. I continued to receive notices that my account was past due and I called to speak to representatives on multiple occasions. By XX/XX/XXXX, I spoke to the " Dispute Department '' because the check had not been received ; they could not locate the check and would do an investigation. I contacted XXXX XXXX  XXXX XXXX to let them know. Due to the check being of such a large amount XXXX Bank XXXX XXXX decided to stop payment on check and issue a new check. A new check dated XX/XX/XXXX was issued and mailed the same by priority mail. Notice was received that the payment was received through XXXX Postal Service. I kept receiving calls and soon received statement that payment had not been received. Then that same week, I received the 1st check dated XX/XX/XXXX in the mail it was returned to me stating insufficient. I promptly called Comenity Bank, stating the payment posted on XX/XX/XXXX and was returned XX/XX/XXXX. Yes, the XX/XX/XXXX check payment was stopped because too much time had passed it was considered lost. It was now, XX/XX/XXXX and Comenity Bank returned the 1st check and the 2nd check for {$10000.00} was now lost. I have made multiple calls to dispute department with NO resolution. They have lost two large checks which could not be posted. Now, I have {$82.00} or more late fees on my account and interest fees accumulating. They have also reported the missed and late payments to the credit bureau ; my credit has taken a terrible hit due to their mistakes. Comenity Bank has over XXXX complaints that are of the same nature. What is happening to these checks mailed priority and why are they not posted immediately? Why was the 1st check dated XX/XX/XXXX posted on XX/XX/XXXX over a month late? It is XX/XX/XXXX, and the 2nd check dated XX/XX/XXXX mailed priority has not been found or posted. We keep going around and around with them asking me the same questions and to submit the same information. The checks in the amount of {$10000.00} is too much money for them to be losing. This is considered terrible practices and customers being mistreated as well as milked for additional fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo repoed my car XX/XX/2023 and I have not gotten my notice of repo letter from them and I cant get the repo man to call back so I can get my belongings and plates out of the car. I also advised to Wells Fargo about the damage done to my driveway and got no response from them. I have called many times and they advised me I dont get a notification of repo letter. I have gotten no letter or notification from Wells Fargo.

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 2023-02-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$5200.00} ; XXXX XXXX XXXX XXXX Balance {$400.00} ; XXXX XXXXXXXX XXXX XXXX Balance - ; XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX Balance {$1000.00} ; XXXX A XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX MA XXXX XXXX XXXX XXXX BV XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX, 2022 ; XXXX XXXX XXXX : XXXX XXXX, 2022 ; XXXXXXXX XXXX Inquiry : XXXX. XXXX, 2022 ; XXXX XXXX XXXX : XXXX. XXXX, 2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022.

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 2023-02-16 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:
In accordance with the Fair Credit Reporting act. The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account number : XXXXXXXX XXXX Account number : XXXXXXXX XXXX  Account number : XXXXXXXX XXXX XXXX Account number : XXXX XXXX, XXXX. 
Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XXXX XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX XXXX, XXXX. 
Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I am a XXXX XXXX XXXX recently retired XXXX I have been a XXXX year member of PayPal with zero issues. Recently I sold an item to a stranger for XXXX XXXX. I had never met this person. I don't have anything to do with him other than this transaction. 

I sent the item to the person and he wasn't happy. He alleged all this damage to the item that was not there when shipped. I asked him to send me photos of this damage. He never did. I told him that unless he did the sale was final. 

Next thing I know, he has reported the entire transaction as fraud. My PayPal account is frozen AND on XX/XX/XXXX PayPal cleared out my entire balance ( XXXX ) and said I owe them ( XXXX ). 

Despite multiple efforts with PayPal 's resolution center I have received no help. Calling them is useless. I get worthless " Sorry! '' and " We can't do anything about this ''. PayPal acts passive when they receive BILLIONS from these transactions. 

This guy alleges his credit card, his phone number, his email all have been hacked to do what? Steal XXXX from him? Doesn't that seem like a LOT of effort for almost nothing? Really? 

Also, see this email. He says PayPal gave them my contact information. Is that true? That seems like XXXX too. He got my email from PayPal? PayPal wont give me ANY information about this guy, but they give HIM all my contact information. 

Regardless of whether his fraud complaint is legit or not. I HAD NOTHING TO DO WITH IT. 

I have been RIPPED OFF my account balance by PayPal for something I had NOTHING to do with. I AM THE VICTIM HERE and PayPal has treated me as a criminal. They have not used their brain to ask themself how I somehow played ANY part in what went wrong here. 

I sent them copies of the emails where this guy tried to get me to refund his money. You'd think that anyone with half a brain would have realize I AM THE ONE BEING SCAMMED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was Complete and accurate according to 15 USC 1681i ( 5 ) Ill wait 30 days and receive my info investigation and noticed everything was still the same. The consumer reporting agencies which is XXXX XXXX and Trans Union did not modify or remove anything. The open day is not correct they last accurate is not correct on three credit report dates of the last payment is not correct on all three credit reports. Which is a violation this is impacting me from moving forward to buying a house for my family. I attach my previous credit report and my new credit report to show how XXXX Trans Union XXXX violated my rights

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 2023-02-16 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: MI

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was Complete and accurate according to 15 USC 1681i ( 5 ) Ill wait 30 days and receive my info investigation and noticed everything was still the same. The consumer reporting agencies which is Equifax XXXX and XXXX XXXX did not modify or remove anything. The open day is not correct they last accurate is not correct on three credit report dates of the last payment is not correct on all three credit reports. Which is a violation this is impacting me from moving forward to buying a house for my family. I attach my previous credit report and my new credit report to show how XXXX XXXX XXXX Equifax violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I had a personal loan with Upgrade.com, with a balance of {$7400.00}. My bank ( XXXXXXXX XXXX ) issued a check to pay the loan off on XX/XX/2023. I have proof of deliver Upgrade.com received the check on XX/XX/2023. I have reached out to Upgrade.com on four occasions inquiring why my account has not been credited. Today, I received an email from Upgrade.com stating " We apologize ; however, our records do not indicate that a check payment is on file. Please understand that when a check is sent by mail, the processing timeframe will be about 10 to 14 business days, which includes mail transit times and processing once received. We will backdate the payment to the date that we received the check if not processed the same day.

If this timeframe has surpassed the normal processing timeframe, please contact your credit card company, lender, or bank to request the check information and deposit details. '' I have contacted my bank, XXXXXXXX XXXX asking them to stop payment on the check and return the {$7400.00} funds to my checking account in order for me to make the payment electronically. 

My complaint is in regards to Upgrade.com not taking action to locate the check, even though I provided a ) proof of deliver and b ) a copy of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
According to my research about FCRA 605, CrediBureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-16 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: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Balance : {$10000.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$9300.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$1100.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$3000.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$1900.00} XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 2022

Company response to consumer: Closed with explanation