vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: IN

Complaint narrative:
To be honest, my banks security is lack luster at best, I have a feeling that they are not honest about what is really going on in the background with compromised situations. And when you contact them, they give you what I beleive to be false information. My account has been compromised several times, and I have asked for a new account because it seems like someone is watching my account for big deposits, and they continue to say your safe, which I dont beleive. Flagstar Bank is the worst at being truthful with their customers and I have had enough.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I made the last payment to XXXX XXXX on XX/XX/2023 for {$45.00}. I was told that the account was closed and in good standing. On XX/XX/2023 I received a letter from XXXX confirming the aforementioned. 

On Friday XX/XX/XXXX, I received a notice from all three credit bureaus stating that the account is still open, there are late fees and as a result, they reported this incorrect and fraudulent information causing my credit score to plummet over 110 points. The company has been terrible to work with and have not corrected anything.

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 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/2023, a check for {$48.00} cleared my account with PNC bank ; however, PNC bank erroneously posted the transaction for {$1200.00}, causing me to be overdrawn incure overdraft fees and depriving me of the use of my money causing me hardship. On XX/XX/XXXX, I personally went in to the bank and they realized they had erroneously posted the wrong amount and assured me the error would be corrected that same day, however, it wasn't. On XX/XX/XXXX, I called the customer service line to ask for my money, and they told me to go to the bank personally and take care of the issue I need help as this is causing me and my family hardship. 

In the meantime that I don't have my money, PNC is using it interest free and this is fraud and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: KY

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance XXXX Balance updated XXXX XXXX XXXX Original balance {$2.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$2700.00} past due as of XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$400.00} Balance updated XXXX XXXX XXXX  Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$400.00} written off. {$400.00} past due as of XXXX XXXX 
Status updated XXXX XXXX  Past due amount {$400.00} Highest balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original 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 2023-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TN

Complaint narrative:
IQ DATA INTERNATIONAL reported to my credit report without verify debt with me. I have knowledge of the debt or the original creditor. I dont have any contract signed with them or original creditor on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
There actually wasnt the correct scenario that I could find but this one was the closest. Back in XXXX of XXXX I had to have some teeth removed. It was an emergency as the XXXX was going into my bloodstream. I went to XXXX XXXX which had a credit program I was provided for the amount of the service which was XXXX. I was approved for a XXXX credit limit but opted to use only what was needed. After that I kinda fell behind as you know Covid was surging, I am a single mom of kids so whenever one would get sick I had ti miss work etc. So, then account hit my credit. At that time I was struggling to make ends meet however, trying ti keep my credit up at the same time because it was the only thing I could rely on if need be. So I reached out to them to begin making payments. So around XXXX of XXXX I reached out to them the amount was XXXX and asked if they could remove two late fees, they did and it took my amount down to XXXX. At that time I begin making payments at XXXX. Making my payments and the amount is going down. I was making extra XXXX payments as well to get my balance down quicker. I have receipts and everything of these transactions. Then one day I look and see the balance is higher then it should be so I contact them and spoke to them, spoke to three different managers at this point that assured me they would take care of it give them a week so I did and nothing. I called back speak to another manager she digs in to my account and says well this doesnt make sense I cant see where this charge is coming from because you are making your payments as well as extra payments. Still didnt fix it, so I made another payment at the XXXX plus my extra XXXX. Then the next bill comes out and my amount due is significantly higher is like XXXX dollars and Im like no way, what is going on so I reach out to them yet again. Nobody can find whats wrong, they say give them a week and they will call me back for them to investigate. They told me not to pay for the month of XXXX so I didnt and then the next payment would be due in XXXX. XXXX rolls around with this high payment due of XXXX and they tell me its because of two of the first payments I missed. I told them they couldnt do that because the original amount that was due when it first hit my credit was the XXXX and when they took the late fees away it went down to XXXX something and I begin making my payments from there and that was the agreement. All of their calls are recorded and I do not think it is fair because can go back and add payments AFTER we have made a agreement. I need help because this is affecting my life, my credit everything. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I noticed that my XXXX account no longer showed up in my accounts and visited my branch office of PNC. All they could tell me is that the account was closed due to inactivity. 
I contacted customer service to be told the same. I was not informed the XXXX line of credit was to be closed : I received no communication by letter or phone message. 
Closing my XXXX account without notifying me was problematic in itself even as all accounts in my name are active. Denying me another XXXX card after they closed my account added to it, but the recent letter of XXXX ( As you requested? ) Really? Is this a simple matter that the left hand does not know what the right hand is doing? 
Is this how they treat a veteran and a customer of almost 3 decades? 
pushed this over the edge and we have now taken it to the next level including numerous letters to corporate-no response. This prompted a complaint with the XXXX. On XXXX XXXX, XXXX XXXX informed me that the matter was given to her. From that point, I sent numerous emails requesting a solution to this issue. As of XXXX no response or solution. 
Furthermore, I filed an additional complaint with the XXXX no response from anyone. 

I simply requested one of two solutions-reinstate my XXXX line of credit, or inform me that you are not. 
I do not believe that my request is unreasonable. I have since applied for a credit card and was accepted by the first bank I applied to. 

Email copies available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
Someone stole my card and made unauthorized transactions on XXXX and police report was made for XXXX the guy was arrested but need FOIL request to obtain police report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: FC HoldCo LLC
State: GA

Complaint narrative:
Between flagship credit acceptance and XXXX XXXX credit reporting company, each company is blaming each other for the reason why my account is not reporting accurately. The funny thing is is that XXXX XXXX claims flagship hasnt reported to them since XX/XX/XXXX? My car note was originally 90 days past due from losing a job and having to catch up on all of my bills come mid XX/XX/2023 I have caught up my car note completely, and have been on time since. XXXX XXXX is showing that I am still 100 to 90 days late on my car note which is not true. And for some odd reason XXXX XXXX updates to show that Im paid up and caught up then it seems like a couple days later it goes back to being 90 days late and deducts points off my credit first of all this late payment reflecting on my account, showing that I am late currently is affecting me from being able to move into a home. I am going to face being homeless, because neither company can get their act together and correct the problem. XXXX XXXX is the only one who is not reporting accurately.. here I am almost mid XXXX and they still can not correct my credit. Somebody is dropping the ball. I have disputed this account more than three times and each time it comes back stating that the information is correct and accurate, but it is not correct and accurate because my account is still showing that I am past due when I am not past due. At this point in time I have been current with my car note since XX/XX/2023 I am sick and tired of dealing with this. It has been three months at this point. Im to the point where Im going to get a lawyer involved and sue, both flagship credit acceptance and XXXX XXXX for their negligence.

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 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/2023 I made a transaction using my XXXX XXXX XXXX card which is my employee card transferring {$500.00} from my XXXX XXXX XXXX card onto my chime debit card while making the transaction. The one with the cashier said I could use my debit card while I was swiping my card. It has been approved just so happen. The store manager approaches and says that I need to cash to make the transaction after I have a swipe my card the money was deposited onto my Chime account but before I deposit the {$500.00} I had $ XXXX cents remaining from my text refund. XXXX didnt give my bank card time to transfer the money from my account to chime so XXXX called Chime stating something about a loss prevention or any something in that nature Ill call chime. I had send documentation front and back of my ID the receipt of the transaction the explanation of the transaction proof of my physical address thats on the Chime account. And all that was sent on XX/XX/XXXX one day I get a represent to say much it was gon na be expedited give it to 3 to 7 business days the next day I get an email saying its gon na take 7 to 10 business days so that Im not getting a refund back after I had sent an explanation OK so they still telling me to the cine more documentations I sent in the documentation five time I have emailed them over 100 and something times I have called them over 100 and something times I have explained this transaction over and over and over nothing has been done. I have told them to refund the {$500.00} back to XXXX please just send the remaining of my {$2500.00} because I am a hole. I am a single parent not only that I just came at a homeless situation which I was saving that money just so I could be a able to move. I have explained the situation over and over and over and chime. Im XXXX is getting to the point where Im not even getting a response from Chime no updates or anything

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12 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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
I recently received a debt collection notice from Southwest Credit Systems LP. This was for a debt owed from XXXX and during a time when I did not have a XXXX account. After contacting XXXX they noted that the account was fraudulent, at an address I have never lived, and with a person/phone number that I do not know. This is now on my credit report and negatively impacting my credit, despite me never having this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # 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 an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Midwest Resale Specialist, Inc.
State: MN

Complaint narrative:
Contacted by a debt reseller ( Midwest Resellers in XXXX, MN ) to collect a debt that I had previously identified and reported with the original debtor as identity theft. Was continually harassed by telephone, threatened to ruin my credit, prevent me from getting any credit, etc. Long story short they have now attempted on three separate occasions to access my credit report by using the name MidwestBank1 and saying I applied for an installment loan. The first attempt I reported to the FTC and they removed from my credit report. I am now paying to have my credit monitored and locked from inquiries. I have told them I reported this first request with the FTC and they told me that they could not do that and the debt collector, XXXX XXXX from Midwest Resellers said he contacted the FTC and they said he had done nothing wrong. He continues to attempt to access my credit report with the applied for an installment loan as a reason and I just received a notice from my credit agency that he has again, yesterday, attempted to gain access to my credit report. This is the fourth time. This debt had nothing to do with an installment loan and my ex-husband put me down as a co-signor without my knowledge. I was not aware of this until after his death.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX-I was charged for an amount of {$1600.00} for a healthcare service that ended up damaging me and cost me more money out of pocket. I cancelled the service early ( as there was more service previously booked ) and left the merchants home due to injury. I disputed the charge with Citi Bank, sent in proof of flights leaving the merchant, XXXX accommodation for time needed to heal before traveling back to my home, flight leaving back to my home, and an invoice from a local XXXX from the damages done. I have provided ample amounts of proof for the dispute, while the merchant has none. Attached : -Proof of original flight. XX/XX/XXXX - XX/XX/XXXX. -Proof of departure from merchant XX/XX/XXXX. -Proof of XXXX stay. -Invoice proof of damages. The company resolved half of the issue, and is not assisting with the other half. I was told the other half would be taken care of, but now it just sits in my account is becoming a late payment. I have called multiple times, and each time I get a different answer. This other {$600.00} needs to be removed from the account. 

On XX/XX/XXXX and XX/XX/XXXX, I called and spoke with representatives who assured me that the dispute for the remaining {$600.00} was reopened and a {$600.00} conditional credit would be offered, and I would not be facing any late payment fees or charges. The charge was never removed and no conditional credit was given. I called back on XX/XX/XXXX, and was given completely different information about the dispute being closed. Citi Bank representatives have given me false information and have no damaged my credit report. 

According to 15 U.S.C. 1666 ( b ) Billing Error : ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. Citibank failed to issue a credit as they said they would, and have violated my rights as a consumer. The remaining balance of {$600.00} needs to be removed within 4 days of receiving this.

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 2023-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
PayPal closed my account for no reasons and holding my funds for over 2 months now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I bought a XXXX over the internet, got lost in shipping, seller wont give the money so I filed a dispute thru my bank, bank gave me provisional credit, case was denied through XXXX XXXX but went in my favor through the seller and Venmo. So I lost the provisional credits Called Venmo and XXXX XXXX lots of times and they both dont know where the money. Seller said and sent pictures of the case going in my favor, Venmo charged him the {$2200.00}. I call Venmo and they say XXXX XXXX has the money because they cancelled the transaction. Seller wont comply now and Venmo say they dont have the money. 
I have sent a cfpb complaint to XXXX XXXX and they still couldnt find anything on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: DISCOVER BANK
State: TX

Complaint narrative:
Discover card revolved my account with out prior warning. They claim I called in and have a recording where I agreed to provide personal information verification via email. I made two payments to discover in XXXX, if I was unwilling to work with discover I would not have made two payments in XXXX. I requested they reactivate my account and they refused. However they never produced in writing any request regardless of phone call to ensure that the information was not missed in an email. They claim two have sent two emails requesting personal verification via email with out sending a letter when the email process they say I agree to didnt work. I am not disputing the call or conversation I just dont remember it. People forget things this should not be a reason to revoke their account without true due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo is declining my transactions. I tried to transfer my bitcoin funds to external wallet but the system automatically decline transfer request. Venmo agents informed me that they are unable to override the system and tell me to sell my bitcoin to transfer funds. Selling and buying is not free so Venmo is making free money.

Company response to consumer: Closed with explanation