vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX/XXXX/XXXX : I purchased online a XXXX XXXX XXXX at XXXX XXXX ( Items : XXXX ; XXXX ) with the amount of USD XXXX. 
XX/XX/XXXX : I contracted XXXX XXXX to pick up the items. XXXX XXXX tried to reach out to XXXX regarding my shipment in the attached XXXX of XXXX. XXXX stated they attempted pickup and there was no freight available for them per XXXX on XX/XX/XXXX at XXXX XXXX. 
Multiple attempts by me to communicate with XXXX personnel for my contracted carrier to pick up the items but was unsuccessful. It ended up that the items were passed due for pick up according to the contract. 
XX/XX/XXXX : I called Chase Sapphire customer XXXX to dispute the charge of USD XXXX XX/XX/XXXX : I called again Chase Sapphire customer service at XXXX to make a follow-up on my dispute. 
XX/XX/XXXX : I called again Chase Sapphire customer service at XXXX to make a follow-up on my dispute but they said that XXXX resubmitted their claim and Chase honored it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm personally filing this complaint regarding late payments on my credit record. Upon review, I found these late payment entries. I sent letters about this issue over a month ago but have received no response or adequate validation. I'm seeking your help to address this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report this morning and I was shocked because there are inaccurate accounts on mine. I have no idea why this happened to me because I have no knowledge regarding any of these accounts so please check the documents I've sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : 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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent my dispute letters to Experian, but they continue to delay, claiming they can't verify my information, despite me providing all necessary identification documents. This has caused harm by not removing the inaccurate information from 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 2024-07-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have a navy account for years. I have used their transfer services and made transactions for years. On XX/XX/year>, I added an account to but did not make the transfer especially after I was advised the account was not a good account. I did an appeal with Navy and they denied my appeal. According to there reason was Based of the facts of the investigation, we determined that was no error and that I benefited from the transaction. That was the only info they provided which is incorrect. I also never got a confirmation that they transfer was even submitted. I did a XXXX transaction in the amount of {$1500.00} and I did authorize that and I received confirmation. However, that {$3500.00} I did not get a confirmation. I did attach letters and my email account that show nothing came to me notifying me that I submitted that payment..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX  - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM A XXXX  FILING A COMPLAINT TODAY BECAUSE I HAVE ASKED THE CREDITOR TO DELETE CREDIT REPORTING INFORMATION DUE TO PAYING OFF THE ACCOUNT IN FULL ALONG WITH EXPRESSING THAT I HAVE A SECURITY CLEARANCE IN THE XXXX  THAT I WILL LOSE IF THIS IS NOT DELETED DUE TO IT LOOKING LIKE I AM A RISK AND CAN NOT HANDLE MY FIANANCES, ALTHOUGH I HAVE EXPRESSED THIS CONCERN THEY EMAILED ME AND TOLD ME EVERYTHING ON MY CREDIT REPORT IS REPORTING ACCURATELY WHICH IN DEED IT IS NOT, PLEASE HELP ME GET THIS REMOVED DUE TO ALL INFORMATION I HAVE ATTACHED BELOW TO INCLUDE PAYMENT HISTORY MISSING, ALONG WITH SOME PAYMENT HSITORY SHOWING I AM UP TO DATE ON PAYMENTS, AND ANOTHER REPORT REFLECTING I AM SERIOUSLY DELINQUENT. ALONG WITH INFORMATION MISSING THAT I HAVE HIGHLIGHTED PLEASE HELP ME RESOLVE THIS THANK YOU.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM A SERVICEMEMBER FILING A COMPLAINT TODAY BECAUSE I HAVE ASKED THE CREDITOR TO DELETE CREDIT REPORTING INFORMATION DUE TO PAYING OFF THE ACCOUNT IN FULL ALONG WITH EXPRESSING THAT I HAVE A SECURITY CLEARANCE IN THE MILITARY THAT I WILL LOSE IF THIS IS NOT DELETED DUE TO IT LOOKING LIKE I AM A RISK AND CAN NOT HANDLE MY FIANANCES, ALTHOUGH I HAVE EXPRESSED THIS CONCERN THEY EMAILED ME AND TOLD ME EVERYTHING ON MY CREDIT REPORT IS REPORTING ACCURATELY WHICH IN DEED IT IS NOT, PLEASE HELP ME GET THIS REMOVED DUE TO ALL INFORMATION I HAVE ATTACHED BELOW TO INCLUDE PAYMENT HISTORY MISSING, ALONG WITH SOME PAYMENT HSITORY SHOWING I AM UP TO DATE ON PAYMENTS, AND ANOTHER REPORT REFLECTING I AM SERIOUSLY DELINQUENT. ALONG WITH INFORMATION MISSING THAT I HAVE HIGHLIGHTED PLEASE HELP ME RESOLVE THIS THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: SC

Complaint narrative:
XXXX XXXX has me at fault for an accident which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

SOCIAL SECURITY NUMBER XXXX CUSTOMER DATE OF BIRTH XX/XX/year> CUSTOMER NAME 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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I requested an investigation for accuracy of my consumer reports and XXXX responded to me on XX/XX/XXXX that this informationfoXXXX XXXX XXXX XXXXXXXX account # XXXX was reporting accuralty and they verfiied it with the creditor. However, I have found the reporting of the late payments XX/XX/XXXX and XX/XX/XXXX are reporting inaccurately. I have attached proof. 

As per the FCRA, XXXX failure to reinvestigate is an intentional and negligent FCRA violation. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to properly investigate this account, I am due {$1000.00} per violation :

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 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a victim of fraud. Someone has been using my accounts and check fraud. This has been happening since XXXX I have closed all my accounts. I recently tried to open a checking account, it wouldnt let me until I clear it.

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 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: AR

Complaint narrative:
Issue 1 : On or about XX/XX/XXXX, PNC Bank illegally withheld my funds that had already been allocated and paid out to an assigned payee. This action resulted in significant financial and personal hardship, causing me to incur a debt of over {$10000.00} and necessitating a relocation that cost me in excess of {$21000.00}. 

Issue 2 : On or about XX/XX/XXXX, I reported fraud committed by a merchant to PNC Bank. I called PNC to report the fraud and cancel my card. I was assured by PNC representatives that the fraudulent company would be unable to make further charges on my account. However, PNC paid the fraudsters, overdrew my account, and despite my numerous phone calls pointing out my reports and providing recordings of conversations during which I reported the fraudulent activity and was guaranteed protection, my calls were met with mockery, disrespect, and outright dismissal by PNC 's phone representatives. No corrective action was taken, and my account was closed with a negative balance Issue 3 : Throughout XXXX and XXXX, on more than three occasions, PNC Bank withheld funds from checks paid to me, in violation of Federal Reserve regulations that stipulate a bank must release the funds of a payable check within 48 hours. Some of these holds lasted more than seven days. Repeated calls to PNC 's customer service resulted in being hung up on and receiving inconsistent explanations, such as PNC 's belief that the checks were fraudulent, even after verification by the payor 's bank and even after the check had already been paid out by the issuing bank/payor. This illegal withholding of funds caused me to accrue late fees, negatively impacted my payment history with certain providers, and prevented me from obtaining necessary medical treatments, leading to severe physical distress, pain, and suffering. 

Issue 4 : On or about XX/XX/XXXX, after the last incident of PNC withholding a check paid to me, I filed a complaint with PNC 's " Client Relations '' department. In retaliation, PNC blocked my access to the PNC banking app. Multiple unsuccessful attempts to restore access were met with conflicting instructions from representatives, ultimately resulting in the closure of my account without any feedback. 

Impact : The actions of PNC Bank have caused me significant financial and personal hardship, including debt, relocation expenses, late fees, negative impacts on my payment history, and severe physical distress due to the inability to access necessary medical treatments. 

Actions Taken : I have repeatedly contacted PNC 's customer service regarding these issues and received no meaningful response, other than a patronizing phone call from a representative who acknowledged my complaints but offered no solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: WV

Complaint narrative:
My funds were low, because I do not use this account often anymore, so I made a check for {$20.00} and made the deposit at the ATM before they even opened so the deposit and the withdrawal hit at the same time. First National Bank charged me a {$35.00} late fee even though the money was deposited. Then, something else went through and because of that late fee, another charge was not going to clear. So, I deposited another check for {$80.00} to cover it. BUT, again, FNB charged me a SECOND fee for another {$35.00}. Now, I am out {$70.00} because they did this to me again. Once I get this cleared up, I will be closing all accounts with them that I am on. ( There are XXXX altogether including my mom 's accounts. ) Please help me recover this money so I can get away from this bank. I feel they do things this way to just make money off of their outrageous fees. My other XXXX banks do not conduct business this way. I have included a screenshot of my bank app so you can see that the deposits and the withdrawals were made on the SAME day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year> my wife made a XXXX purchase of shirts from a charity using our Chase Freedom XXXX card. The amount was {$92.00}. On XX/XX/XXXX, I noticed a {$10.00} transaction that simply said " TRANSACTION FEE '' on my account. I inquired and was told that was the fee they charged for " Cash-like transactions '' which is what they consider XXXX, apparently. They agreed to remove the {$10.00} fee as a " one-time courtesy ''. It is absurd that a {$10.00} fee on a {$92.00} purchase is even allowed, as this is almost an 11 % fee simply for using a competing service to Chase 's XXXX service. 

I then found out that in addition to the {$10.00} fee, they have coded this {$92.00} as a cash advance transaction. I called to inquire about how to pay off the cash advance portion of my balance, as it was subject to daily interest of almost 30 %, and was told that I can not simply pay off the cash advance portion. In order to stop the daily usurious interest, I must pay off my entire balance, for both purchases and cash advances. It does not matter that I automatically pay off my entire balance every month, they are going to be charging me daily for the cash advance portion, and I can not make a payment directly to the " cash advance '' portion of my balance. 

I went to the branch to dispute with a live person, but was told that all credit card business was only handled through their outsourced customer service phone line. 

This seems unfair. If they are going to separate out a specific balance to be charged a higher interest rate, do I not have the right to make a payment specifically to that part of the balance? I accept the responsibility for not keeping up to date with the fine print of my credit card agreement, which they can change on a whim, but this arbitrary rule makes it difficult for people to manage the interest they are charged when hit with an unexpected " cash advance '' that was no such thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: FL

Complaint narrative:
The negative rating on my account is a major source of worry. I'm extremely concerned about its impact on my credit. This derogatory mark has already led to a loan rejection and higher interest rates on my existing credit accounts. I can not overstate the financial and emotional toll this is taking on me, which will continue until this issue is resolved.

Company response to consumer: Closed with explanation