vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 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: AL

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX : Reference # 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 2023-01-20 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: AL

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX : Reference # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
There is over {$3000.00} in debt that the company says I owe. Ive called several times to get debt verification and also an itemized list of dates of service with billed amounts. This company has failed to send me anything. Ive made several payments but there are dates Ive been billed for when I had insurance. I was advised by the company to reach out to my insurance to file a claim but I can not file a claim without the exact date of service and billed amount. This has hindered me for years and I just want to provide the necessary information they need to delete these bills. If Im not making a payment, theyre not very helpful at all.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A.
State: MA

Complaint narrative:
I was involved in a car accident and my car was totaled. My insurance company tried to pay off the loan with PNC Bank 3 different times and each time PNC Bank sent their check back. This happend over a period of 3 months. PNC did not try to resolve the matter with my insurance company and instead sent my account to collections. I have read that this same complaint has happened to XXXX XXXX of other PNC customers. I am submiting this because my credit rating, that has been in the mid XXXXXXXX XXXX for XXXX years was damaging by PNC by their negligence and dropped by up to XXXX points. I called PNC Bank and they are admitting no fault on their side and not willing to fix my credit report. 

Please call if you have any questions. I have submitted the email thread as an attachment. I'm reachable at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
CareCredit ( through XXXX ) provided a promotional 0 % interest offer for certain healthcare-related expenses. The 0 % interest applies if the promotional balance is paid off within a specified timeframe. I paid well over the minimum payment every month ( always well before the due date ) but they distributed the payments between the 3 different promotional balances. Even though I made payments large enough to pay off the promotional balances in the order in which they were charged, they are not getting paid off and they are starting to charge interest. Even now, I have a {$30.00} balance on a promotion that ends XX/XX/2023, but if I send in a {$30.00} payment, they will apply a small portion to the {$30.00} and the rest to the larger balance and then charge interest on the expiring promotion - PLUS charge deferred interest. I feel this is tricking the consumer and it's not made apparent. Please investigate this further.

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 2023-01-20 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: MA

Complaint narrative:
I sent out a letter disputing incorrect information to TransUnion and XXXX on XX/XX/2022. All incorrect information has not been resolved or verified and is still on my credit report, I have received no updates from 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 non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Agency of Credit Control
State: CA

Complaint narrative:
Hello! Thank you for your response to previous complaint ref # XXXX I am seeking additional information, just to confirm it is common practice to attempt and reach a consumer prior to consumer receiving a letter/notification related to any attempt to collect a debt? I was under the impression that the letter had to be sent out to consumer prior to any company attempting to collect a debt. I had initially filed the complaint ref XXXX because I do not recognize the phone number that attempted to reach me, I understand per previous response, this is for consumer protection however, it did not disclose it was an attempt to collect a debt, just to call that number back, tactics seem deceiving. I did see the attachment dated XX/XX/19, yesterday and attempts to reach me were made early this morning I want to confirm that this letter was mailed out yesterday or this morning as Ill be on the look out for it, thank you in advanced for your prompt attention to this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America violated the FCRA by stating " One or more of your deposit accounts with us and/or our affiliates was overdrawn. ''

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 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Around XXXX late XXXX I had XXXX XXXX. I got a XXXX XXXX check issues from my job XXXX ( XXXX XXXX XXXX ) anyways it had to go through the state and through payroll. So long story short I never received my check. So I ended up asking my boss what I should do he said call HR see if it went through so I did and it went through so I looked on the XXXX app to confirm HR wasnt making stuff up. Anyways it was on there with the last four digits of my account number and all that info. Long story short I called chime and they said theyd look into it and basically said the check hasnt cleared. So 24 hours later I call cause my boss said somethings not right so I did. Chime said Ive never used direct deposit with them and I showed them the transaction number from my jobs end and the picture of my pay statement. Chime basically said I hope you get your money soon. So then I ended up using the messaging thing on chime and I got screen shots of them refusing to help me. And I have proof that the money never hit my account. I told them I need my money and HR wont stop bothering me cause they can get in trouble if I dont get my pay. So chime basically told me tough luck. XXXX something dollars. Its been about a month. I said Id give it XXXX weeks but its been to long already. I need my money from chime and I wan na sue them. My employer will send me any additional info you guys need and Ill get all the info I have together of screen shots of me trying to resolve this issue. This is the 2nd time. But now theyre saying I never used there direct deposit? But whats funny for 6 months I have and actually I just got my direct deposit yesterday proving theyre lying on there end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I know I make too many overdrafts but I need to see if I was charged over.

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 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, Remitly responded to my original complaint of identity theft and fraud of {$1800.00}. They stated they would be refunding me the {$1800.00} on XX/XX/XXXX, and it would take XXXX business days to be processed to my account. As a victim of identity theft, I've closed my bank accounts down. My bank stated if the refund was received, it would be returned to sender. I called Remitly on XX/XX/23 to try to request the refund be mailed to me as a check for {$1800.00}. The first representative wasn't cooperative, and stated they have no supervisors when I asked to speak to one. I hung up. The second representative tried getting a supervisor on the phone, but was unable to do so. She stated that a supervisor will call back within XXXX hours. This didn't happen. I would like a check for {$1800.00} mailed to my address that Remitly has on file from the fraudulently set up account since I am not comfortable with nor will furnish my new bank account information to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wrongful fees and deductions

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My account has been frozen 4 times due to fraud suspension, I have been charged extra fees when withdrawing monies.

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 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Both Citibank and XXXX XXXX have things on my report from 10 years ago. I tried everything to get them removed but they wont do it. I thought 7 years was the limit to report things. Citibank was actually claimed on my taxes in 2019 because the issued a tax form on the account. Its been paid and written off.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
There were many overdraft fees applied to my Wells Fargo checking account over the year.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was charged fees by Wells Fargo and they placed my name in the debt department for one account over {$300.00} and the other amount over {$400.00}. I should not have to pay these fees because it was for a check I had cashed already.

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 2023-01-20 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: VA

Complaint narrative:
I called trans union to follow up on my complaint, and talked to a supervisor Named XXXX and I asked her about the certified letter and the process to remedy the issue and she replied they can report the info without any consent from me to finish my report even after I informed her of the laws and hardship it has caused in my life.

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 2023-01-20 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: MA

Complaint narrative:
I sent out a letter disputing incorrect information to XXXX and Experian on XX/XX/2022. All incorrect information has not been resolved or verified and is still on my credit report, I have received no updates from 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 non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP
State: MI

Complaint narrative:
Received letter from XXXX XXXX XXXX representing XXXX XXXX XXXX XXXX claiming I owe {$19000.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I notified the credit bureaus of this and they told me they had no record of the originating account only the information from XXXX XXXX on XXXX never received information on owing these funds.

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 2023-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
During the pandemic when millions of us lost our jobs in XX/XX/XXXX, I was one of those people. Due to the amount of money finally disbursed, it was not enough to catch up on debts owed. During this time frame, ALL of my creditor except Synchrony Bank ( PEP BOYS ), assisted me in paying all of my debts. Synchrony stopped communicating with me in XXXX of XXXX. I have attempted on several occasions to contact and pay my balance. Synchrony locked my account rather than assisting me with resolving my balance owed. As of XX/XX/XXXX I was served a warrant of Debt by Synchrony through their collection firm XXXX XXXX XXXX and a court date of XX/XX/XXXX suing me after I have made repeated attempts to contact Synchrony and settle the matter. We were in the middle of a pandemic and shutdown by the State government. I am ready and able to resolve the matter with Synchrony, through Synchrony. I have paid off ALL of my other debts due to the pandemic, why would I not do so with one final creditor?

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX  I put in a fraud claim to Wells Fargo from XXXX XXXX about my account and over XXXX dollars was taken out of my account through XXXX transactions where I didnt authorize and or have any knowledge of Wells Fargo is not trying to reimburse me all of my money I have been calling and even did a police report on XX/XX/ about wells Fargo and my bank account. I was XXXX  and couldnt follow up to report my bank account. I released from XXXX on XXXX XXXX They are giving me a hard time and some customer representatives are being rude and disrespectful on the phone.

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 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: First Technology Federal Credit Union
State: TX

Complaint narrative:
On or around the week of XX/XX/XXXX my wallet, credit card, and pin was compromised and three charges were made without my authorization. I filed a police report regarding the theft with the XXXX Police Department ( Report # XXXX ). 


XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXXXXX TX {$1200.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX TX {$700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX TX {$160.00} I notified my credit card company of these issue and was advised it would be investigated. A month after filing the dispute a fraud investigator by the name of XXXX XXXX contacted me and stated that she reviewed the claim and felt that the transactions were valid even though she did not receive any documentation from the merchant. She said she believed them over me and she advised she would wait a week as they might provide documentation, but that she believed they probably would not and either way she was going to close the claim stating I was responsible for the transactions. I advised her that I thought it was unfair that at minimal documentation should be required from the merchant but she stated for their review it's not needed and that the decision to approve or decline a claim is at her sole discretion.

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 2023-01-20 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: WA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation