vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have an account which all over the documentation and over a recorded line mentioned to me as well as in person when I opened it up that if I leave {$500.00} in my account there will be no service charges or fees. I do not have to do anything swipe my debit card or do any transactions and I will NOT be charged any fees or service charges on the account forever. 

I spent 2 weeks for them to refund my fees for an illegal service charge placed on my account on XX/XX/XXXX after XXXX year from my account opening date. 

I was not notified of any charges being done my notifications were shut off and I am sure I set up alerts countless times. 

Then after that for 1 year they kept taking account fees. I just got my account refunded last week on Friday XX/XX/XXXX and I look into the account again there is another Illegal Service charge. It took them over 2 weeks and many many calls and I am frustrated I have lost at least XXXX dollars of income during these calls and the frustration of keep following up with them is just too much Stress. 

Below is the history of the account. 

XX/XX/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 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 XX/XX/XXXX {$15.00} {$480.00} XX/XX/XXXX {$500.00} Active Balance since XX/XX/XXXX This is with PNC Bank and it is a business checking account I created in XXXX of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  XXXX bankruptcy dismissed, account number : XXXX ; XXXX  XXXX bankruptcy dismissed, account number : XXXX ; and XXXX XXXX bankruptcy filing, account number : XXXX has violated my rights. Under, 15 U.S. Code 1681, Section 602A states : I have the right to privacy. Additionally, 15 U.S. Code 1681, Section A ( 2 ) states : a consumer reporting agency can not furnish a account without my written instruction. 

Moreover, under the Fair Credit Report Act, this information is incorrect as I do not have ANY active Bankruptcies. 

This is the only credit bureau that refuses to remove these inaccuracies and it is a direct violation of 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 non-monetary relief
Consumer complaint received 2023-04-05 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: FL

Complaint narrative:
Please look at the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
CHASE informed me that my COVID-19 forbearance comes to an end on XX/XX/XXXX and that they would reach out to me to send the necessary paperwork to get my account current at the end of the COVID-19 forbearance as of XX/XX/XXXX. Prior to XX/XX/XXXX I filed a complaint because CHASE is forcing me into a deferment for the missed payments during the COVID-19 forbearance with a balloon payment at the end of my loan term. This is not what they initially shared with me and initially they shared with me that I would be able to extend my loan terms by the length of the payments that were on the COVID-19 forbearance. Needless to say, after filing this complaint for this issue, CHASE is now refusing to provide me the necessary paperwork to get my account current so I can resume regular monthly payments on XX/XX/XXXX and so my house does not go into foreclosure at the end of the COVID-19 forbearance. I need for them to send me whatever paperwork is necessary so I can exit the COVID-19 forbearance successfully and not be marked delinquent nor fall into foreclosure and so I can resume making my regular monthly payments as of XX/XX/XXXX as agreed upon at the start of the COVID-19 forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I Was A Victim Of Fraud And They Opened Up Credit Cards In My Name Tried To Get A Car And Did Phone Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: CA

Complaint narrative:
I have tried to resolve the problem with no results. XXXX XXXX XXXX is a collection agency which is not licensed in the state of California and is illegally trying to collect a debt. I have a complaint on file and it was not satisfactory XXXX. The response from XXXX XXXX was unacceptable. CFPB closed the file accepting the response from XXXX saying licensing is delayed. That is totally illegal. Collection agencies must be licensed properly before harassing and sending threatening letters. That's like a consumer or a driver not having a license, if detained that driver is fined. I am requesting all of the data collecting companies XXXX XXXX, XXXX and Equifax along with the other data XXXX XXXX, XXXX and the others remove this data from my consumer credit reports immediately. Above all permissible purpose was not given by this third party to report my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
I received an alert on my credit report that Credit Management was placed on my credit report Tuesday, XX/XX/XXXX. I have not reached out to Credit Management because i have no knowledge of anything concerning this company. I was NEVER notified in writing of a notice to place this account in collections. I was not properly notified so that I could dispute the debt before it hit my credit report. This would have given me time to request validation. This account has been in dispute with the original creditor XXXX since XX/XX/XXXX due to their inaccurate charging of the bill to my account. XXXX never resolved the issue with me as a consumer, and have since sent this account to several collection companies without notifying me as well. This should be immediately removed from my credit report for the collection agency never notifying me of their attempt to collect any debt. They have illegally placed this on my credit report and i am filing this as a complaint and will take further action if it is not removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 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: NY

Complaint narrative:
Please See Attached I am writing on this letter myself please do not send me a in still asking for proof that you are speaking to the correct person. I am writing this letter and any attempt of writing another stall letter will be added to my potential complaint with my lawyer.

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 2023-04-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: IL

Complaint narrative:
I Was A Victim Of Fraud And Somebody Opened Up A Credit Card In My Name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute several hard inquiries that appear on my credit report. I believe these inquiries were made without my consent and are negatively impacting my credit score. 
I have carefully reviewed my credit report and have identified the following hard inquiries that I wish to dispute : * XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: TX

Complaint narrative:
In 2017, my credit report was pulled on XX/XX/2017 without my permission for a fraudulent auto loan by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX then went forward with securing permission dated XX/XX/2017 ; one day after pulling my credit report. See attached. The fraud then resulted in a fraudulent auto loan.

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 2023-04-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

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 2023-04-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

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 2023-04-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Dept of Ed/XXXX  Account XXXX XXXX XXXX Dept of EdXXXX Account # XXXX XXXX Dept of EdXXXX Account XXXX XXXX, Dept of EdXXXX Account XXXX XXXX XXXX Dept of Ed/XXXX  Account XXXX XXXX XXXX Dept of Ed/XXXX  Account # XXXX XXXX XXXX  XXXX XXXX Account # 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.

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 2023-04-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX union Account # XXXX, XXXX XXXX XXXX union Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Dept of Ed/XXXX  Account XXXX XXXX XXXX Dept of EdXXXX Account # XXXX XXXX Dept of EdXXXX Account XXXX XXXX, Dept of EdXXXX Account XXXX XXXX XXXX Dept of Ed/XXXX  Account XXXX XXXX XXXX Dept of Ed/XXXX  Account # XXXX XXXX XXXX  XXXX XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: NJ

Complaint narrative:
I noticed a few inaccurate accounts on my credit report so I disputed them and they came back verified. I asked for a description of the investigation according to 15 USC 1681i ( 7 ) and they never did. According to 15 USC 1681s-2 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. This is very frustrating as they are violating my consumer rights. Also these charge off accounts are no longer debt owed IRS states a charge off account is a cancellation of debt and must be reported as ordinary income. I asked for 1099-c form and was not provided that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: TN

Complaint narrative:
I am requesting a proper re-investigation of the following accounts that have been reported back to my credit profile as verified. XXXX XXXX, XXXX, XXXX XXXX, and XXXX. There are STILL accounts that are closed but open on another reporting agency. There are STILL accounts with 100 % payment history that have been confirmed to be true in favor of the collection company. My FCRA rights as a U.S citizen are STILL being blatantly violated and I am requesting that you do due diligence this time around. There was NO real investigation done, only a half-done one in which the reporting agency sided with the collector because of their business transactions I am assuming. Attached to my documents are excerpts from the FCRA bill that explains how and why I am entitled to a fair investigation and why items should be removed if they are not properly investigated and found to be 100 % accurate. 
PLEASE PROVIDE INFORMATION ON HOW YOU VERIFIED THESE ACCOUNTS! 

[ 15 U.S.C. 1681 ] states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; [ 15 U.S.C. 1681 ] states Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposited a check to my Chase Saving account in the amount of {$25000.00} in the form of Bank Check from XXXX XXXX on Thursday ( XX/XX/2023 ) hoping to put that money to a CD at Chase. ( Note : My account at Chase has {$100.00} in it ). The personnel at the bank said he will submit it immediately for clearance. Unfortunately, we got a call from the bank personnel on Friday saying that it was not cleared and that they will hold the money for 8 days. I have checked my XXXX  account Saturday night and found out the {$25000.00} was already taken. On Monday, I went to Chase Bank immediately with my wife at the XXXX XXXX  in XXXX XXXX to settle the matter. Otherwise, I will just withdraw or get back the money. Still, we were told we can not touch that money. More so, I was blocked in accessing my account online to check the balance. My big question is, why would they hold the money for so long? 

I hope you could help me regarding this matter. 

THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
I have been denied accounts from every banking system in the country. I owe no money to any bank and did nothing wrong as far as banking as concerned. EAS has a lengthy and inefficient system of helping consumers clarify their reports. I can't do basic banking This is excessive and has gotten to be extreme.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
Wake associates reported on my credit report and I dont have an account with them and never has. The have a different name address and date of birth on the account they reported on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: MS

Complaint narrative:
No result. They told me this was done online and there was no way to track the people who made these inquiries. I explained that did not authorize anyone to apply for anything under my social security number. I wasnt could press charges due to not having proof of the person who did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
My loan was transferred without any notice to a new company who has given me no way to log in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: GA

Complaint narrative:
Hi so have sent in a letter on XX/XX/2023 asking them to remove this account under 15 U.S Code 1681e ( b ) and 15 U.S Code 168i ( 5 ) this account in violation not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: MECHANICS BANK
State: IL

Complaint narrative:
I Was A Victim Of Somebody Tried To Get A Car In My Name And They Opened Up Credit Cards And Phone Accounts

Company response to consumer: Closed with explanation