vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE
State: CO

Complaint narrative:
On XX/XX/2023 I was robbed the amount of {$200.00} by the perpetrator forcing me to access my XXXX and submitting an electronic transfer from my bank account ( held at Charles Schwab Bank ) to him or else lose my life. I reported this incident to Charles Schwab Bank the following day under reference number XXXX and requested that I be credited for this unauthorized transaction. I also submitted a police report ( XXXX Police Report : XXXX ). On XX/XX/2023 Charles Schwab Bank provided a provisional credit to my account in the amount of {$200.00} for the unauthorized charge and began an investigation. 

On XX/XX/2023, as a result of the investigation, Charles Schwab Bank contacted me by phone and indicated that as a result of their investigation that they would reverse the provisional credit to my account because the incident was a robbery and not a fraud and that bank customers do not have unauthorized transaction liability due to the incident being a robbery. At the time, begrudgingly, I accepted the explanation and did not further pursue it. 

During the course of my banking studies though, I discovered through reading Regulation E that any unauthorized electronic transaction, including those as a result of robbery would be protected under the regulation, contrary to the information that I had received from Charles Schwab Bank. 

On XX/XX/2023, I again contacted Charles Schwab Bank, who stated in the course of their investigation with XXXX that I had previously made transactions with the party in question and for that reason that I would not be covered under their unauthorized transaction policy. At the time of the robbery, I was not aware who performed the act, nor that I had a previous transaction history with the assailant. After further research, a previous transaction had occurred with the XXXX in question, but this transaction had been disputed due to non-delivery of goods. Charles Schwab Bank asserts that there were XXXX transactions, but my records only indicate one other transaction with the XXXX account in question. 

Putting that aside, at the time of the robbery I was forced to electronically transfer funds from my XXXXharles Schwab Bank account through the XXXX application to the assailant whom I did not know at the time. This situation seems to be a text book example of customer limited liability for unauthorized electronic transactions under Regulation E.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-01 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: DC

Complaint narrative:
I have already filed a complaint on the debt collected XXXX XXXX for trying to collect a debt that was fraud and not my account. I also filed a police report with my police department. I have proof of documents. The account was deleted from my XXXX report but trans union is still reporting. This is not my account.

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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I started out with no credit but im working my credit profile up. my credit hasnt been shown for a few months now

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 2023-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank blocked my and my wifes ( all joint accounts ) debit card without prior notice on XX/XX/2023 at around XXXX. When we called Citibank, they said that our accounts ( checking and saving ) are being closed by Citi and I need to go to branch to address the problem. At the XXXX XXXX, IL branch on XX/XX/2023 at around XXXX, I wasnt given explanation but was told that the accounts are blocked and I cant access the funds. After begging them on my knees, they allowed me to obtain a cashier check for XXXX so I can pay bills and my small children have roof and food in their stomach. When I asked for cashier check for the rest, they declined. 

Later the same day I spoke with my relationship manager ( XX/XX/2023 at around XXXX ). He told me the same about my accounts and told me that the easiest way for me to obtain funds is to close my account and take the funds to another bank. I went to the XXXX, IL branch immediately where I was told that my account is locked and there is nothing that they can do about it ( XX/XX/2023 XXXX ). They gave me a number to call and asked me to leave without funds as they wanted to close even though it was prior to the closing time per their signage. 

I called the number given ( XX/XX/2023 XXXX ), it redirected me to another number where I was told that only by debit card was locked and I should be able to access my funds without any problems. She also stated that I should be able to just access my funds at the branch, that there should be no reason whatsoever. 

Unfortunately, every time I speak to someone from Citibank, I receive a different response, conflicting information and no resolution. All I want is to close my accounts and safely move my funds to a different financial institution.

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 2023-06-30 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: NJ

Complaint narrative:
I lost {$1000.00} cash right in front of my eyes on XX/XX/23. It was so bewildering that I'm reaching out here. On XX/XX/23, around XXXX PM, I went to the PNC bank Mt. XXXX XXXX to deposit a total of {$2000.00}, consisting of XXXX {$100.00} bills. 

There was XXXX teller attending to another customer at the counter, so I filled out a deposit ticket. When it was my turn, I handed the cash and the deposit slip to the XXXX teller who was wearing a mask. We engaged in small talk about the mask. I couldn't see what she did with the money afterward because the area visible to me was narrow. 
Then the teller told me that I only gave her {$1000.00}, despite me double-checking that it was {$2000.00}, both before arriving at the bank and after. I explained this fact to her even after we arrived at the bank, but her response was that she only received {$1000.00}. The teller started counting the money and claimed that her balance was correct. I was dumbfounded because I was certain that I had brought XXXX {$100.00} bills with me, and I confirmed it before leaving and after arriving at the bank. 

In the meantime, another customer overheard our conversation and suggested that it would be best to report it to the police. So I immediately reported the incident to the police. Shortly after, an officer arrived, and I explained the situation, but the bank representatives said that all they could do was check the balance after completing their tasks. Later, around XXXXXXXX XXXX, the branch manager arrived at the bank and repeated the same story. So I waited in front of the bank until they finished checking the balance. 
It was past XXXX PM when the bank manager informed me that the extra {$1000.00} was not found after confirming the balance. 
Then, the only thing left for me to do was to contact the police and request XXXX footage review. I left a note requesting the footage review. Now, it seems like this is all I can do, so I'm leaving this message here. Please, help me find the missing {$1000.00} that disappeared right in front of my eyes. I feel incredibly unjust about this. 

I reported the incident to the bank 's customer service call center, but I haven't received any response. The branch manager mentioned that they would conduct an internal investigation, but they said that they wouldn't contact me separately. It's really disappointing that the bank is not taking any action in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express not honoring the promotional language on the website + commitment of their agent. 

American Express offers Platinum cardmembers access to Fine Hotel & Resorts ( FHR ) which gives card members benefits such as XXXX late checkout, free daily breakfast, and on-property credits. The XXXX XXXX XXXX XXXX for XXXX showed up listed for a 25 % discount off nightly room rate in addition to Fine Hotel & Resorts benefits. 

On XX/XX/XXXX, I called American Express because the website was not applying the 25 % discount. American Express representative called XXXX XXXX XXXX to honor the rate and after multiple hours, she called me back to inform me that XXXX XXXX XXXX would honor the 25 % discounted rate and offer the FHR benefits, but I would need to call back in the morning because she got disconnected and when she tried calling back, they informed her that the In House Reservation desk had closed for the night and I would need to try the next morning to finalize the booking. 

When I called back the next morning ( XX/XX/XXXX ) and explained the issue to the new Amex representative XXXX XXXXXXXX XXXX, she informed me that the XXXX XXXX XXXX would not finalize the booking at the 25 % discount + FHR benefits. I asked to escalate the case to a supervisor, the supervisor ( XXXX XXXX confirmed that I would not be able to get the 25 % discount + FHR benefits. I requested for the issue to be further escalated. She informed me that the best she could do was file an internal complaint ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: NV

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.

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 explanation
Consumer complaint received 2023-06-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit profile I identified a discrepancy with several accounts. On XX/XX/23 I wrote to Experian credit bureau about my credit profile reporting regarding the inaccurate information, which came back as validated as accurate and updated method of validation on these account as accurate when it's not. In which, I also sent a copy of my recent valid drivers license showing my correct physical address where I current reside with the letter of correct spelling of my name and current address. According to the 15 USC 1681 law all information must be reporting accuracy in which they fail to do so

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 2023-06-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX they are fraudulent and unauthorized without consent. This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate Invalidated credit information. Please Remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
information inaccurate on report plese fix

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
information inaccurate on report plese fix

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 2023-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2023 I asked my step dad to help close my store credit card account with Commenity Bank/Ulta Beauty . I had been behind on my payments by a month and they were continuously calling me. 

At XXXX XXXX. XXXX time we reached XXXX at Commenity Bank and asked her what it would cost to pay the balance in full. We also asked that if we paid the account in full that they close the account. We had some questions about asking for a goodwill removal of late reporting to the credit bureaus which XXXX couldn't answer, so she transferred us to XXXX at XXXX a.m. XXXX time. 

XXXX agreed to close the account if we would pay it in full. My step dad confirmed with XXXX the amount to be paid in order to close the account, she told us it would be {$270.00} to pay in full and close the account ending in XXXX. 

Immediately after the phone call I lost all access to my account online, getting the message that the account does not exist. This helped me confirm the account had been closed. 

The next month, around XX/XX/2023 I recieved a statement saying I had a previous balance of {$47.00} and that they had charged me a " late fee '' of {$37.00} and that the account remained opened. 

On XX/XX/2023, my step dad and I called back to Commenity customer service and spoke with XXXX. She was very unhelpful, refused to look in to the matter. When we asked her why XXXX had taken our payment in full and not closed the account or mentioned any outstanding amount other than the {$270.00}, she told us, " I don't know, maybe she was a new account representative. '' We ended the call with XXXX by informing her we would be filing a complaint with the CFPB, FTC, local XXXX and any other relevant authorities for misleading predatory lending and collections. 

We do intend to file complaints with the FTC if this matter is not resolved satisfactorily.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Lend You Cash, Inc
State: TX

Complaint narrative:
On XX/XX/2023 I was approved for a XXXX XXXX loan from lendyoucashXXXX I signed all necessary paperwork, and gave them all necessary account numbers and card numbers. I was told the loan would be deposited by XXXX! I called multiple times throughout the day to verify we were on the same page. They were very nice until XXXX When the money didnt arrive I tried to call the company and the phone number no longer worked.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 2023-07-01 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 writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
During 2020 XXXX had affected me because I was Out sick so i wasnt working & the company Credit Acceptance Corporation was in agreement with me that the payment would come out biweekly every XXXX  and the XXXX  of the month when i bought the car at the dealership XXXX XXXX Credit Acceptance Corporation Has been changing the date on my days that i am Supposed to pay, lying saying i made 33 agreements with them to pay which is not true as well. This has affected my credit profile overall and messed up my ability to buy a home and improve my credit because they have been reporting me late. In which I shouldnt be late Im only late because they switch my dates in the contract that we agreed to at the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have recently been informed that there is negative information reported by Wells Fargo bank in the file Early warning service maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing a Fraud In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consume rights to privacy and confidentiality under 15 USC 1681. I told the Early warning to reinvestigate these accounts : 1. checking account ending in XXXX was charged off on XX/XX/XXXX, 2. checking account ending in XXXX that was charged off XX/XX/XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.Crx 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-01 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: PA

Complaint narrative:
Upon looking at my credit report I found several I found several fraudulent accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there also several fraudulent hard inquiries which includes XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Charged Off ) MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief