vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-22 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: PREFERRED CREDIT INC
State: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of thi consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the de accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was charged XXXX dollars a month totaling XXXX XXXXXXXX XXXX XXXX XXXX for not having a XXXX XXXX dollar monthly balance in the personal and business accounts due to me not being able to work after an automobile accident

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 2023-07-22 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: FL

Complaint narrative:
MY 17 WRITTEN REQUEST There are items on my credit reports that are being reported incorrectly and I have proof this is negligent by the credit bureau as you guys arent following the FCRA Laws and are in violation of several Laws on my credit report Ive send out several laters and even file complaints through CFPB you guys arent following the laws I havent received any contracts or proof that accounts on credit reports that were disputed belongs to me from the original creditors I ask the credit bureau to send me steps that were token to validate the accounts because this is clear fraud by both credit and credit bureau these accounts are being reported incorrectly and doesnt belongs to me and I ask that you guys remove the accounts immediately. Identify theft reports were already filed and send out to the creditors and bureau this is and is an crime you guys are violating my rights and needs to remove the accounts below from my credit report or I will have No choice but to sue both creditor and credit bureau. 

ACCOUNTS : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX 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 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.

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have tried to check on and remove a previous security freeze with Experian. I have been caught in an endless loop on their website and phone. When I go to the security freeze website, it tells me to create an account. Since I already did, I click log in instead. When I log in, the security freeze website only provides the option to request a credit report. When I followed those steps, thinking it might lead to the ability to update my freeze, it tells me I already have an account and to log in with that account instead. When I log in with that account instead, it tells me to request a credit report. When I try to go directly to the freeze site ( Experian.com/freeze ), it tells me I can manage my freezes by creating a free account. When I try to create a free account, it tells me that I already have one and to use that instead. When I try to use that account, I log in and it tells me to request a credit report. 

I have tried calling them, but their answering service puts you through another endless loop of telling you to use their website to manage your freezes, and does not provide an option to speak with a person. When you ask to speak with a person, it tells you that you can not, but you can manage your credit freeze on their website. 

I have tried multiple browsers with the same results. I am not able to manage a credit freeze, and the loop I am put through on both the phone and the website appear intentionally designed to prevent the management of credit freezes.

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 2023-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On Friday XX/XX/XXXX while attempting to use my debit card to pay for XXXX XXXX, my card was declined. Assuming that the reason that it was declined was an automated security check I proceeded to wait 10 minutes for a phone call or an email requesting my personal information to verify that it was me using the card at that current time. When I didn't receive any security alert I contacted the customer service number listed in the mobile phone app and I was told that my card was blocked for a security check. At which point, I was placed on hold for 15 minutes and then the call disconnected suddenly. I immediately called the customer service number again and again ; the same result. After trying to get the issue resolved I gave up for the day with the intention of contacting the customer service number in the morning. On Saturday XX/XX/XXXX I reached out to customer service to get the security issue resolved and I was told that my account is being restricted due to an event that happened in XXXX of XXXX. 

However, I have used my card for several transactions since XXXX of XXXX so there's no logical reason for blocking me on a Friday in XX/XX/XXXX behind a " suspicious '' transaction in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account name : XXXX XXXX XXXX XXXX  and : XXXX XXXX XXXX XXXX # XXXX have 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 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.

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 2023-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/XXXX, I purchased an XXXX from XXXX via Paypal and per XXXX XXXX  unlock policy, XXXX would unlock my phone 60 days after activating my iphone. 
On XX/XX/XXXX, a rep of XXXX confirmed that the XXXX purchased would be unlocked on XX/XX/XXXX. 
On XX/XX/XXXX, XXXX refused to unlock the XXXX. 
On XX/XX/XXXX, I filed a dispute against XXXX with Paypal for the reason " item not as described '' On XX/XX/XXXX, Paypal denied my dispute. they said this decision was made because their records showed that the item or service associated with this transaction was delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Synchrony Bank chose to close my Lowe 's credit card on XX/XX/23 after some " automated review ''. Really odd timing considering I just contacted them a couple weeks ago to get a new card mailed to my new address. This is a card that has never held a high balance and never had a payment missed. Synchrony stated the following Too Many Revolving Accounts With High Balance Compared To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Many Bankcards With High Balance Compared To Credit Limit Too Many Inquiries 1. Whether I have other accounts with high balances shouldn't matter on an automated review, this card does not and has not carried any balance near the credit limit.

2. What does having a mortgage have anything to do with having a Lowe 's credit card? I shop at Lowe 's for my side job nearly every week.

3. Again, why does it matter if I have other cards with high balances if this one isn't?

4. Synchrony is not attempting to issue me new credit so having many inquiries doesn't matter.

XXXX  XXXX  just did this same thing on another card. The bank will claim your credit score is low, but then lower your credit limit or close your card, causing your credit score to drop further impacting the rest of your financial health. This is straight anti-consumer activity by Synchrony Bank, harming Americans by closing accounts that have never had a negative financial impact to them.

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 2023-07-23 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: FL

Complaint narrative:
the information that is being furnished by the credit bureaus are against the law per 16 usc 1681b and 1666b. 
the items were dure to identity fraud and theft.

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 2023-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc.
State: AL

Complaint narrative:
Hello sir, I am writing to complain about the returning my XXXX  money {$15000.00} from pulte mortgage and return the downpayment {$120000.00} XXXX  from the artoney 's office. 

For your background, i am a XXXX  and i always felt as a minority from pulte company because they tend to response all the things last few minutes with un-reasonalbe request although they made a closing date on XX/XX/2023 and I already sent {$120000.00} for the downpayment. 

I would explain the starting point. The sales officer suggested me only 5 % downpayment and {$10000.00} discount on XX/XX/2023 because the house has not been sold for long time. I was not sure for this and i had a concern for this and then, I requested to add " i should return the XXXX  money if i am not eligable for the loan process and failed it because it is really big money for me and my family. they input in the contract. 

Otherwise, they gave me 20 % conditional approval on XX/XX/2023. it was big difference but i gathered all the moneny in a difficult situation to finish it. but the loan processor took a vocation for long time without other contact point and they started to ask my XXXX  asset to review just last few days from closing date. but i did all the request in 1-2days, doing my best to closing these unfair things. but, they delayed the closing date up to now. Finally, they requested the co-signer with very reliable credit score to be done this process in a short time. I would like to share the below e-mail to review our communication and I have to receive all the XXXX money and downpayment asap. 

They are holding this contract for two months. we could not think other option and they just send me the sign document not to return my money, holding my XXXX and downpayment. please help me this is really unfair things. 

Now, i am looking for the rent house for my XXXX kids for the registration becuase the school starts on XX/XX/2023 and i am writing this in XXXX becuase i need to attend my father 's funeral. Everything is screwed up due to pulte mortage and builder. please review all the things and help my family to survive. 

XX/XX/2023 - loan started XX/XX/2023 - loan pre approval ( from 5 % to 20 % increase ) XX/XX/2023 - request me to find co-signer and i can not find the person in the united states

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Hello, Adding to previous complaint. Received letter via mail today ( XX/XX/2023 ) stating that someone has applied for credit card using my demographic including my social security number, previously I received a response that was address to someone other that myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Victim has never been an account holder with BECU, but her mother, Suspect has an account with BECU. Victim was not listed as a joint account holder with Suspect for that account nor has she had access to that account. 

In XX/XX/2023, XXXX stated in her deposition that she forged Victim 's name to receive payments into her sole BECU account from XXXX XXXX for a joint tenancy in mineral interests. 

In XX/XX/2023, BECU  produced copies of checks in response to a subpoena from Victims attorney. 

Based on the documents produced by BECU to date, BECU allowed Suspect to deposit approximately {$120000.00} with only the endorsement of Suspect, when checks were made out to " 'Suspect ' and XXXX ' XXXX. '' BECU allowed Suspect to deposit XXXX checks totaling {$32000.00} with the forged signature of Victim, including XXXX check that was originally voided by BECU for missing Victim 's endorsement. 

Suspect used a BECU ATM in XXXX, WA and a XXXX XXXX XXXX ATM in XXXX XXXX, WA to deposit these checks. 

Despite multiple requests, BECU has still not provided Victim with copies of XXXX checks totaling {$20000.00}. 

There were also XXXX XXXX payments made totaling {$80000.00} that BECU has not provided the direct deposit authorization form/process for. 

Victim should have received 50 % of the payments for the amount in dispute totaling {$120000.00}. 

For 2 months, Victim and her attorney have been attempting to contact BECU to resolve these issues with the unauthorized payments in the form of single endorsed checks, XXXX payments, and payments accepted with Victim 's forged signature. Victim sent an Affidavit of XXXX to BECU on XX/XX/2023. However, BECU claims the originator of the payments is at fault and has been unwilling to resolve or respond further to Victim 's requests.

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 2023-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one reported late payment on credit report to a home lender! XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: IL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-22 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: IL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX  which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm ( s ).

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 2023-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello My name Is XXXX XXXX XXXX XXXX. I have a XXXX XXXX account # XXXX Date open XX/XX/2016... This account is Paid Closed. Paid As Agreed. This is incorrect This account should say Paid Closed /Paid As Agreed/ NEVERLATE. and it should reflect that on my Transunion credit report. My next step is to take legal action against Transunion. for not change the status. Thank you for any help in this serious matter.

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 2023-07-23 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: TN

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 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: TN

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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