vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX XXXX overdrafts my account by XXXX dollars. Then between XXXX I was hit with automatic withdrawals that I had forgotten about. On XX/XX/XXXX I was charged XXXX overdraft fees totaling XXXX dollars. The following day I was charged XXXX more over draft fees totaling XXXX dollars. I called and tried to explain yo the company that the overdrafts were completely accidental and not like me. Despite speaking with several different representatives the company refused to reverse all XXXX fees. I requested to have all XXXX reversed during a phone call as well as in person with a personal banker at the branch. The representatives only agreed to reverse XXXX fees despite the fact that I explained to them the funds that are being taken from me are needed for rent and food. The company reversed only enough for me to not overdraft my rent payment but I was left with nothing to pay for food which has cause undue stress in my life because I had the money and this company just arbitrarily took it from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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! 

LIST OF ACCOUNTS BEING CHALLENGED ; 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
Consumer complaint received 2024-06-21 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: DE

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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! 

LIST OF ACCOUNTS BEING CHALLENGED ; 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
Consumer complaint received 2024-06-21 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: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc.
State: NC

Complaint narrative:
Opened account XX/XX/XXXX with referral link : XXXXXXXX XXXX XXXXmoneylion.comXXXX XXXX  XXXX Completed requirements for bonus as outlined in terms and conditions at time of opening XX/XX/XXXX XXXX XXXX XXXX XXXXwww.moneylion.comXXXX XXXX XXXX Referrer must send Referred Individual their unique referral code by following the prompts in the MoneyLion App.

2. The Referred Individual must download the MoneyLion App and register as a MoneyLion user.

3. When prompted during the registration process, the Referred Individual must input the unique referral code sent by the Referrer.

4. The Referred Individual must open a XXXX account. 

Referred Individual must switch their direct deposits to XXXX : Set up a minimum of {$100.00} recurring direct deposit into XXXX, which must appear at least twice in the XXXX account. '' Received XXXX direct deposits ( only XXXX required ) : XX/XX/XXXX {$100.00} XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} Contacted customer service via email over XXXX times incl. XX/XX/XXXX, XXXX, XX/XX/XXXX. Told via email XX/XX/XXXX " I do see your valid referral and the {$50.00} Direct Deposit Bonus ( " Reward '' ) processing. Please know it takes up to 14 days to be deposited after youv'e met the requirements, so looks like you got a few more days to go. '' and then never received bonus despite multiple outreach and escalation attempts. Given the runaround and lied to multiple times by agents contradicting written terms and conditions.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My wife and I applied for a home equity line of credit with PNC Bank. During the process, PNC required an explanation of our prior history of late payments on a previous mortgage. My wife and I submitted an explanation anround XX/XX/year> that included an history of our daughters significant XXXX XXXX XXXX XXXXXXXX XXXX and major XXXX complications. We explained how my wifes inability to work during this period in order to care for our daughter contributed to our previous financial problems. 

In mid-XXXX  XXXX, were initially told that we were applying for a home equity loan of around {$100000.00} at a 9.5 % interest rate ( 1 % above the prime rate ). 

After we submitted the prior late payment explanation, we were advised that we made it past the financial considerations. No additional information was submitted. A week or so later, PNC advised that would only give us a {$46000.00} home equity loan. 

I spoke to PNC and agreed to move forward with the reduced home equity loan. A few hours after the closing appointment was made, PNC called me, and, for the first time, informed us the rate on the home equity loan was 4 % higher, or 13.5 %. 

We previously filed a claim with the CFPB, on the basis that PNCs change of rates after the closing appointment was made, was an unlawful bait and switch. PNC has yet to respond. Their response is due on XX/XX/year>. 

After the complaint was filed, I requested copies of all communications between PNC and myself, including recordings of all telephone calls to help demonstrate my claim. PNC has refused to provide this information unless I issue a subpoena. In informed them I can not issue a subpoena unless there is a court case or the CFPB initiates an administrative action. 

After further reflection, PNC unlawfully discriminated against us because of our daughters significant XXXX XXXX  issues ( previous XXXX XXXX  ), by raising the interest rate on our loan, based on the health care information we provided to them. Because they viewed us as a higher financial risk because of our daughters health care history, PNC unlawfully raised the interest rate on our home equity loan ( on XX/XX/year> ) after we confirmed the closing appointment for the following Monday, XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: GA

Complaint narrative:
According to FCRA Section 605B it is illegal to report information on my credit report without my permission. Please remove this from my credit.

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 2024-06-21 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: TX

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-21 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

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 2024-06-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/24 at XXXX I went into the branch to deposit {$540.00}. It was six {$50.00} bills {$200.00} bills and two {$20.00} bills. I looked down for one moment to put my card into the machine when the teller tells me my money was {$50.00} short after she counted it. I did not see her, but I counted three times in front of the counter and also in front of the cameras they are saying that they can not pull the cameras without a police summit so I am currently in the process of making this a silver matter with the courts and I also have a police report against the bank

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 2024-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I am writing to address an issue with a recent money transfer I made through XXXX Money Transfer to XXXX, specifically to an account at the XXXX  XXXX XXXX. Below are the details of the transaction : Transfer Amount : XXXX USD Date of Transfer : XX/XX/2024 Unfortunately, due to an error in the account number, the funds were deposited into an incorrect account. The recipient account number provided during the transfer did not match the name of the intended recipient, yet the funds were still deposited into the wrong account. 

I believe the money transfer company should verify the account details before making a deposit. In a previous experience with another money transfer service, the transfer was not completed due to a mismatch between the account name and the account number. However, with this transfer, the funds were deposited despite the discrepancy, which is concerning. 

Furthermore, XXXX XXXX XXXX has not provided any invoices or confirmation of the deposit made and received by the recipient. This lack of documentation is problematic and hinders my ability to resolve the issue. 

I request your assistance in addressing this matter promptly and ensuring that the funds are correctly deposited into the intended recipient 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. Thank you for your attention to detail in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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:
To ensure that your company is reporting accounts 100 % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting 100 % correctly? Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Nobody is listening to my side of the story. I have already resolved this issue with my doctor. I am going to keep complaining until somebody stars listening to me or until i sue all partys involved.

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This company continuously puts erroneous information on my consumer report. I never got an apartment through this company or lived at this address.. I am demanding they remove this fake address immediately.

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 2024-06-21 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have overpaid my credit card balance by {$1000.00}. I have called 3 times and they will not send me a check. It has been over 6 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 2024-06-21 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I have spoken with all three agencies, XXXX, XXXX, and Equifax and asked for an investigation and reported that these accounts contain -fraudulent activity : Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : US DEPT OF EDXXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # 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 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: KS

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation