vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

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 2023-05-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
On XX/XX/XXXX my CD was funded by an online transfer minutes later I located a problem in accessing account details, my spouse who was on the funding account also at American Express National Bank did not carry over to the CD. This omission by the American Express National Bank Representative on XX/XX/XXXX was after the American Express Online application failed to process my application where by the way I did add my spouse to the agreement ( received a letter by mail confirming my action was canceled ). On XX/XX/XXXX after speaking to several representatives to add my spouse to the CD account without satisfaction I asked to speak to a supervisor. XXXX XXXX no last name given ) said my issue had to be addressed by leadership I would hear back in 24 to 48 hours. Twelve hours later I received confirmation by e-mail of my CD including terms but missing any mention of account ownership. On XX/XX/XXXX I sent a fax detailing my issues I receive a call back 48 hours later that no decision had been made 'leadership was still considering my request. On XX/XX/XXXX I again faxed a written response demanding an answer by e-mail or resolving the problem without response. 

American Express considers the account new for the first 30 days ( Consumer Savings Deposit Agreement XXXX XXXX rev ) I am most certainly in my rights to request having my spouse added as a joint owner the same day the account is considered opened ( American Express Agreement ). I asked that the transfer be canceled and a new account opened, not an option. The only option provided by two different representatives to close the account with a penalty of 270 days interest on the same day ( within an hour ) it is opened/funded. For an online only bank my experience is not acceptable. Bank representatives said I could add my spouse as a beneficiary it would be the 'same thing ' as co/joint owner an incorrect statement provided by two separate representatives. 

I am shocked and concerned that we have been customers for almost a decade with several CD accounts over the years that this is taking this much effort to resolve. Beginning to think the worst of American Express National Bank this is our life savings, feels like we are being deceived for what should be a simple paperwork issue. Our hope this is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: ME

Complaint narrative:
On XX/XX/23 PNC bank charged my Savings account with a {$3.00} activity fee, I contacted Customer Service and was told it was due to XXXX transactions and the fee was refunded. 
The next day I received another {$3.00} fee ; On XX/XX/23 I received another {$3.00} fee and contacted customer service by Chat and then via telephone ; the first agent told me I received the fee because I deposited money into the account?? and some other transactions. After XXXX minutes of debate the agent got help and came back with yet another answer. 
At the end of the day I had never had this fee previously, when it happened the first time I contacted PNC to find out why and how I could prevent it in the future. I was given incorrect/ incomplete information the and so it happened again this month - when I called back I again got incorrect information. At this point I understand why it happened and can prevent it in the future but PNC owes me {$6.00} for providing incorrect information that led to the fees and an apology for wasting so much of my time. The icing on the cake is that if I want to talk to a manager I have to wait XXXX business days for them to call. This is terrible service, PNC should train their associates and take better care of loyal customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-31 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I CHECKED MY CREDIT REPORT AND NOTICED I HAD AN UNAUTHORIZED COLLECTION FROM CCS CREDIT COLLECTION WITH ACCT NUMBER : XXXX OPENED IN XX/XX/XXXX FOR {$130.00} ON XXXX AND ACCT NUMBER : XXXX OPENED IN XX/XX/XXXX FOR {$120.00} ON XXXX THAT I DO NOT RECOGNIZE. I BELIEVE SOMEONE MAY HAVE APPLIED FOR SOME THINGS IN MY NAME AS FRAUDULENT. I WOULD ALSO LIKE THE FOLLOWING INQUIRIES REMOVED FROM XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
In XXXX I traded in a car to get a XXXX XXXX ( XXXX ) for XXXX. I later found out that they had me in a deal for XXXX. They later repossessed the vehicle and state I owed them XXXX and now has on my credit report claiming they are owed 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 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened my account on or around XX/XX/XXXX. The promotional offer ( XXXX ) was successfully attached to my account. I received the requisite {$500.00} payroll deposits ( 2 of them ). However, when I withdrew my balance entirely to cover a bill, it seems that deemed me ineligible for the offer and that my account can't be checked for re-eligibility even though I now have a positive balance of {$500.00}.

In the offer details, it does not state anywhere that an account can not be checked for eligibility. It simply states : Earn {$400.00} for opening a new Truist One Checking account from XX/XX/XXXX through XX/XX/XXXX and completing at least 2 qualifying Direct Deposits* totaling {$1000.00} or more within 90 days of account opening.

I have also not met any of the qualifications for account forfeiture as deemed in the offer : Reward forfeiture will occur if : ( 1 ) the checking account is changed to an account type not included in this client offer, ( 2 ) the checking account is closed prior to the reward being processed, or ( 3 ) the new checking account has a negative available balance at the time of qualification validation.

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 2023-05-31 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Multiple inquiries when applying for vehicle multiple inquiries on XXXX credit card and multiple inquiries by mortgage companies

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 2023-05-31 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: NV

Complaint narrative:
There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/2022 ; XXXX inquired on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, we sold and closed on our home and the title company accidentally sent the wrong amount ( {$9200.00} instead of {$340000.00} ) to lender ( Loan depot ). They wired the amount to the payoff dept ; however, it was applied incorrectly to escrow and mortgage and not the principal without any notification to us or the title company. 

I am closing on the new house so on XX/XX/2023, the new lender, is asking for document showing loan has been payoff, nevertheless this is when it was identified the title company did not send remainder of funds. 

When I notified title company, I had both Loan depot rep and title company on three way discussing amount to send for payoff which was sent the same day. On XX/XX/XXXX, I called again to verify if wire was received. I spoke to XXXX, a customer service supervisor, and told me the payoff was short, I asked why, and he stated first monies that was wired was applied to mortgage and escrow and he has sent a request to correct it. However, it won't be fixed until Tuesday XX/XX/XXXX because of the XXXX Holiday. 

Again, I called today and told, it is now short because of Loan Depot applying incorrectly. It has now been 4 day and still no resolution. No one has taken initiative and communicate to the right party in the cash department to resolve this. 
Please help we are running out of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: NC

Complaint narrative:
I disputed the XXXX XXXX XXXX collection with Experian. Within 5 days it was closed and reported as valid. I have since tried to dispute the collection and even upload supporting documents and their website and I am unable to as it states I have already disputed it & the upload site closed without allowing me to upload anything. 

The collection was not investigated and the collection agency has not been able to verify the account or balance. Additionally, the collection agency NEVER made contact with me to provide me the opportunity to dispute the collection before it was added to my credit report.

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 2023-05-31 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
A fraudulent transaction was reported to Discover card on XX/XX/2022. 
In an email from Discover on XX/XX/2022, at XXXX AM EST : " Based on our recent conversation about unrecognized activity on your account ending in XXXX, we've opened a fraud dispute to review your case. No further action is required of you as it relates to the review at this time. We will contact you if we need any other information during our review. '' On XX/XX/2022, a second transaction was made on the same account for an amount of {$1800.00}. XXXX purchases were acquired using the stored account created on the same date, XX/XX/2022, at XXXX pm EST. The transaction was approved by Discover on XX/XX/2022. 
The cardholder of the card was not notified about the second transaction. 
Furthermore, the merchant ( " XXXX XXXX '' ) was not requested to cancel the delivery, and XXXX packages were picked up by an unknown person on XX/XX/XXXX, at a site location different from the shipping address. 
Discover is now requesting payment for the unauthorized transaction from the cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I just received an alert from XXXX XXXX that an inquiry from SYNCP/PAYPAL ( bank ) was made on XX/XX/2023 with XXXX. I did NOT request ANYTHING from PayPal. I DEMAND this FRAUDULENT inquiry be removed 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 non-monetary relief
Consumer complaint received 2023-05-31 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: TX

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: NY

Complaint narrative:
Thank you for your response to my CFPB complaint in regards to XXXX XXXX  XXXX late payment ( s ). Complaint ID XXXX 15 USC 1681i- Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information Please provide evidence of your reasonable procedures that you used to come to such a conclusions that this information is verified. Who did you talk to? When did you talk to them? Give me the name of the person and telephone number you used and what address did you contact. How was the information I provided used in your investigation? Please provide ALL documentary evidence. Any creditor, lender that is furnishing my information to a consumer reporting agency must have signed disclosures on file from me giving them permission to report. Please provide me with a copy of all procedures use so I can start my administrative process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
1. The following personal information is incorrect XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Please remove this inaccurate information from my credit report. 
. 
The following personal information is incorrect XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove this inaccurate information from my credit report. 

1. The following personal information is incorrect XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Please remove this inaccurate information from my credit report.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
1. The following personal information is incorrect XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 
. 
The following personal information is incorrect XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 

1. The following personal information is incorrect XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: NC

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

Company 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 2023-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
Gurstel law firm, fruadulently ran through my bank account cause they obtained it through XXXX XXXX. I was never served of any lawsuit or any garnishment notice. 

I called them upon noticing that they ran my account without my authorization, neither was i sent an Exemption notice in the mailed. I was never given the chance to dispute the debt for which they are lying about. 

I called them this morning after learning that my account was fraudulently ran by them, i spoked to a gentleman which was very rude to me and didn't give me chance to speak. I obtained their number from my bank. 

This company need to be fine and shutdown. XXXX XXXX XXXX is a criminal lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
While looking at my credit report i have notice inconsistencies with the information all three credit bureaus have. As you know, this is NOT allowed under my rights and also a clear indication that this information was Not properly verified upon you receiving it. XXXX XXXX XXXX has a BALANCE DEBT OF XXXX while XXXX XXXX HAS A TOTAL DEBT BALANCE OF XXXX. I need help!!!!!! MY CREDIT REPORT ON ALL 3 CREDIT BUREAUS ARE NOT CORRECT THERE ARE COLLECTION ON XXXX, XXXX and XXXX THAT ARE NOT MINE AND ARE INCORRECT AND DIFFERENT. THIS IS NOT POSSIBLE AND BECAUSE OF THIS INCONSISTENCY, PLEASE DELETE THE FOLLOWING ACCOUNT FROM MY CREDIT PROFILE IMMEDIATELY. ACCORDING TO THE 15 USC 1681 LAW, THERE SHOULD NOT BE ANY DAMAGE ON MY REPORT IS A DEFAMATION TO MY CHARACTER.

Company response to consumer: Closed with explanation