vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 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: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX XXXX and I am writing in regards to the negative items found on my credit report. 

Regarding XXXX - XXXXXXXX XXXX, I would like to inform you that the date of inquiry for this account was XX/XX/XXXX, which has now reached the statute of limitation. Therefore, I kindly request that you remove this information from my credit report. 

Furthermore, I would like to dispute the following accounts, as they do not belong to me : XXXX XXXX XXXXXXXX, Account Number : XXXX ; XXXX XXXXXXXX, Account Number : XXXX ; XXXX XXXX, Account Number : XXXX ; and XXXX XXXXXXXX, Account Number : XXXX. I have no record of these accounts and I believe that this information is inaccurate. 

Therefore, I request that you remove these inaccurate items from my credit report immediately. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, 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 2023-03-13 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: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX XXXX and I am writing in regards to the negative items found on my credit report. 

Regarding XXXX XXXX XXXX XXXX I would like to inform you that the date of inquiry for this account was XX/XX/XXXX, which has now reached the statute of limitation. Therefore, I kindly request that you remove this information from my credit report. 

Furthermore, I would like to dispute the following accounts, as they do not belong to me : XXXX XXXX XXXXXXXX, Account Number : XXXX ; XXXX XXXX, Account Number : XXXX ; XXXX XXXX, Account Number : XXXX ; and XXXX XXXX Account Number : XXXX. I have no record of these accounts and I believe that this information is inaccurate. 

Therefore, I request that you remove these inaccurate items from my credit report immediately. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, 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 explanation
Consumer complaint received 2023-03-13 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: OH

Complaint narrative:
On several occasions I have contacted XXXX XXXX XXXX XXXX and requested to have them removed from my credit report. They are or were listed currently as a being a CHARGE OFF for {$32.00} and additionally had me listed with XXXX for this same debt that I was not even aware of. All this is to say that I disagreed with the debt and that did not matter. XXXX IT IS is wrongfully on my credit report. I have now been refused credit multiple times because of this institution. It is showing on all credit agencies, and it is absolutely wrong... Please help restore my good name and credit, place fines on XXXX for what they have done to me and others like me. 

I hope to hear back from you at your earliest. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXXXXXX XXXX  All I did was go to check my balance of my XXXX checking account at a XXXX XXXX XXXX XXXX XXXX and my account was at a XXXX balance still. But because I checked it at a NON XXXX atm, it charged me a fee that I wasn't aware of and put my entire account in the negative. The bank therefore charged me a overdraft fee .... hence the fee of {$32.00} above!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: PNC Bank N.A.
State: TX

Complaint narrative:
I am writing this letter to file a complaint against PNC for repeatedly putting back the disputed information on my credit report. 

I have filed multiple disputes with PNC regarding incorrect information that was reported to the credit bureaus. However, despite my repeated efforts to get the information corrected, PNC has consistently failed to update my credit report and has instead put the disputed information back on my report multiple times. 

This has caused significant damage to my credit score and has affected my ability to obtain credit and loans. Despite my best efforts to work with PNC and resolve this issue, they have repeatedly failed to take the necessary actions to correct my credit report. 

I request that PNC take immediate action to correct my credit report and remove the disputed information once and for all. Additionally, I would appreciate it if you could provide me with written confirmation that this matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: NY

Complaint narrative:
My name is XXXX XXXX, I am a PayPal customer with email address XXXX I was using my PayPal account and PayPal requested for documents including my driver 's License, Bank statement and proof of address when my PayPal account was already verified.

PayPal restricted my account and said they would not remove the restrictions untill I submit the requested documents under the case Reference ID : XXXX I have then supplied PayPal with the information but my account restrictions has not still been removed.

I need this to be resolved by PayPal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2023, I made a call with a loan agent from Wells Fargo for mortgage pre-approval. I was advised by the loan agent to submit an online pre-approval application right away, even I told them I may not be ready to buy a home for a few months. The agent then sent me an email with a name card and application link ( see attached files ). Right after I submitted the online application following the link, my and my wife 's credit score was hard inquired, while we thought it was only to collect our information. No explicit consents were obtained during the application, and we didn't signing anything.

We later decided to not want the pre-approval letter, due to the uncertain market. But Wells Fargo told us they won't reverse this check, mentioning it is part of their standard process.

I believe Wells Fargo 's process doesn't conform to the FCRA. They never obtain our explicit consents and their loan agent misled us to apply for something we don't immediately need, just so they can have better chance to loan more money out.

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 2023-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/23 I closed/ payoff a business line of credit with PNC bank XXXX The Payoff Disclosure document contained " exhibit A payoff information ''. The charges were assed as follows : " Other fees '' {$170.00} ( with no description of fees?? ) & {$94.00} in late charges all of which were waived by the bank during the ~20year course of the line of credit. I initially spoke with PNC case manager on XXXX by the name of " XXXX XXXX '' for an explanation of the charges. During this date & all subsequent dates of contact with the case manger the same activity took place. I would be put on hold several times during the call while they claimed they were reviewing my account. On every single occasion she would come back to the phone and tell me they did not find any " exhibit that referred to my complaint & further investigation would be required. I was continually told someone would get back to me in a 48hrs of the contact, " which never happened ''. I spoke to XXXX XXXX on XX/XX/23 who indicated she would request copy of the " payoff letter '' and of course said she would get back to me, " which again it never happened '' I filed a complaint in a follow up PNC survey last week. & XXXX XXXX responded to the survey she would be contacting me soon ' to date I have heard nothing. In conclusion this matter is appalling and shows the shear incompetence of their inability to resolve simple issues. A case manger that can't retrieve a closing document from her own bank is pretty pathetic. PNC bank has no intention of providing a refund or a plausible explanation of these charges. As far as I'm concerned this is '' theft by taking ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I received a debit ATM Visa card from M & T Bank today XX/XX/XXXX. I do not have any funds at M & T Bank. When I called they said someone tried to open an account under my name. They closed the account. They told me that someone has my personal information and tried to open a bank account with that information.

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 2023-03-13 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: LEXISNEXIS
State: FL

Complaint narrative:
On XX/XX/2023 I requested a copy of CLUE report via Lexis Nexis website. As of XX/XX/2023 I have not received a copy of this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
On XX/XX/2023 I received two letters from my mortgage company, Rocket Mortgage. The first letter ( attached ), " Lender Placed Activity Canceled Letter '' informed me that I had provided adequate proof of flood insurance for my garage. The second letter ( attached ), " Lender Placed Flood Gap First Letter '' informed me that my flood insurance on my garage was deficient by {$150000.00}. I currently have {$100000.00} of flood insurance on the garage and it has an assessed value of {$58000.00} per public record. In addition, my remaining principal for this property is {$77000.00}. When I contacted Rocket Mortgage - I had a 34 minute phone call - most of which was on hold. Ultimately, I was informed that a " specialist '' would be contacting me within the next 24 hours to resolve this issue. 

My insurance is no longer in escrow due to the incompetence of my previous mortage company ( see previous CFPB complaint ). In that instance, the mortgage broker was within 24 hours of letting my flood insurance laps. Now that my mortgage has been sold to Rocket, I have been subject to predatory practices with Rocket attempting to define my insurance as inadequate so they can sell me their own policy and make a profit at my expense. On a previous occassion, Rocket attempted to " upsell '' sell me more expensive homeowner 's insurance that I did not need. In this most recent instance as outlined above, that pattern continues. I have insurance that is more than adequate, yet Rocket continues to attempt to force me into purchasing their own insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I disabled autopay on Citi Bank app. Citi Bank has continued to charge my bank account. I called them, they said I was authorizing charges online, I clarified situation and asked for their support in ensuring this no longer happens. They said that they cleared everything on their end. 
I just received a letter stating that I authorized {$280.00} and that they will charge this account to my bank account tomorrow unless I called before XXXX today. I just opened the letter. I feel there is no way to stop Citi Bank from continuing to doing this every month unless a higher authority intervenes. This is illegal. I am currently facing hardship due to health issues and I am in the process ( unfortunately ) of filing for bankruptcy. Please help me.

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 2023-03-13 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: CORELOGIC INC
State: GA

Complaint narrative:
I am writing this complaint to Corelogic Credco. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 
My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XX/XX/XXXX sent letters to XXXX, XXXX XXXX TransUnion disputing 6 Accounts they state were in collection but had actually been charged off. 
XXXX XXXX XXXX - {$1200.00} XXXX XXXX XXXX - {$5000.00} XXXX XXXX XXXX - {$2600.00} XXXX XXXX - {$5800.00} XXXX XXXX  - {$6800.00} XXXX XXXX {$10000.00} As of XX/XX/XXXX they are still showing past due payment past the charge off dates. 

XX/XX/XXXX I am sending another letter to all 3 bureau 's asking them to delete the discrepancies as this is falsely manipulating the statute of limitations which is a FCRA Violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XX/XX/XXXX sent letters to XXXX, Equifax XXXX XXXX disputing 6 Accounts they state were in collection but had actually been charged off. 
XXXX XXXX XXXX - {$1200.00} XXXX XXXX  XXXX - {$5000.00} XXXX XXXX XXXXXXXX - {$2600.00} XXXXXXXX XXXX  - {$5800.00} XXXX XXXX - {$6800.00} XXXX XXXX {$10000.00} As of XX/XX/XXXX they are still showing past due payment past the charge off dates. 

XX/XX/XXXX I am sending another letter to all 3 bureau 's asking them to delete the discrepancies as this is falsely manipulating the statute of limitations which is a FCRA Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I contacted Synchrony to place a dispute for a charge on my Amazon Store card issued by Synchrony because I had received a counterfeit item, not the item I ordered as advertised on Amazon. The total charge was for {$110.00}. Specifically, I ordered a headset advertised as XXXX XXXX XXXX. XXXX was also mentioned in the ad. XXXX XXXX XXXX are trademarks of XXXX, XXXX is an XXXX headset model. The headset I received was a cheap counterfeit. Nowhere on the box did it say XXXX, XXXX or XXXX. What the box did say was " XXXX line design of advanced XXXX. '' Inside the box was a cheap counterfeit headset and a note saying that if I left them ( the seller ) a good review on Amazon, I could have the headset for free. All I had to do was send them a copy of the review! I contacted Amazon about the counterfeit sale several times. The seller was removed from Amazon, but I see he is selling the same item now under a different seller name. Amazon said they would issue a refund to me, and that I didn't need to return the item, as the seller was requesting I pay to return it. But Amazon never did actually issue a refund. So I decided to resolve the credit card company, Synchrony because it's my understanding credit card purchases are protected from fraud. Synchrony denied my dispute because the Amazon seller provided proof that I had received the item they shipped to me. I did receive the item. However, Synchrony didn't require any proof that the Amazon seller sent me what I ordered, which was the problem at hand. The seller also denied that I had contacted them about a return. I did contact them, and so did Amazon. But the seller wouldn't send a prepaid shipping label. I don't believe I should have to pay to return a counterfeit item. It is my belief that the seller, Amazon, and Synchrony are committing fraud against Amazon customers. Since Amazon and Synchrony are in bed together, innocent buyers are no longer protected. I'm a woman, and a senior citizen on an extremely low fixed income. I would appreciate it if someone did the right thing here, and refunded my money for this counterfeit headset. A photo of the headset received and my Amazon invoice are attached. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have account with wells Fargo that they claim they don't see I'm having problem getting into my mobile to look at some old statements they claim they don't have them anymore I haven't received my money from the investment I had with wells Fargo cause they close accounts I believe I'm under identity thief all I want is results

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 2023-03-13 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had my credit card in my pocket while it was raining and it fell out. I then saw fraudulent transactions that were made on my lost credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13 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: Continental Finance Company, LLC
State: NY

Complaint narrative:
Was categorically told by the customer service representatives that as long as there were six months of on-time credit card payments, the XXXXXXXX XXXX XXXX Credit Limit would be increased by {$300.00}. All conversations are recorded by the credit card company. 
I am adamantly clear that had I not been told about the increase, I would not have asked for the {$300.00} limit increase. The company 's response in previous complaint fails to acknowledge my conversation with the representatives.

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