vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CO

Complaint narrative:
Since XXXX, US Bank has started charging me a dormancy fee of {$5.00} per month. In speaking with a representative, I learned that they sent a single notice via standard mail in XXXX before applying this fee. They had my phone number, email address, and physical address, yet nothing was sent via certified mail. If the single mail notice was lost, they proceeded to charge the fee without further attempts to contact me. 

Despite receiving numerous promotional emails from US Bank, I received no phone calls or additional notifications regarding the dormancy fee. One would expect the bank to use multiple means of communication before imposing such a fee. This approach seems like an unfair tactic for banks to generate fees without adequately informing their customers.

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 2024-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have been receiving robo calls and voicemails from this company since XX/XX/2024. I have various department store credit cards with this company. 

When I explained to their representatives that due to a financial crisis that I was unable to make their minimum payments on multiple credit cards and told them to stop the robo calls, they said the robo calls would continue until I made any amount of payment. They kept pressing me for when I'd be making my next payment and I explained I couldn't tell them when I could pay because I had no incoming paychecks and I owed the IRS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: FL

Complaint narrative:
On XXXX XXXX I look at my credit report and see these charge off accounts and inquiries on my report that is NOT Mine. The accounts are XXXX XXXX for {$1000.00} and XXXX XXXX for {$21000.00} and XXXX XXXX XXXX for {$8900.00} and all the inquiries that are NOT Mine.

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 2024-07-15 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: FL

Complaint narrative:
On XXXX XXXX I look at my credit report and see these charge off accounts and inquiries on my report that is NOT Mine. The accounts are XXXX XXXX  for {$1000.00} and XXXX XXXX for {$21000.00} and XXXX XXXXXXXX XXXX for {$8900.00} and all the inquiries that are NOT Mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Recently received replacement store credit card from Macys. I havent used the card in several years and did not request a new card. I have tried calling the phone number on the back of the card to close the account but have only been told the wait time is over 30 minutes. I tried another number and got the same recording. I just want this account closed. I dont shop at Macys anymore and dont want or need their 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 non-monetary relief
Consumer complaint received 2024-07-15 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : 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 2024-07-15 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : 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 2024-07-15 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: TN

Complaint narrative:
Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On or around XX/XX/2024, I filed lawsuit against my former Landlord, XXXX XXXX, to recover my security deposit. The Court reviewed evidence, took testimony, and entered FINAL JUDGMENT against my former Landlord, and in my favor, affirming that I owe the former Landlord nothing, but that, XXXXXXXX is in fact a debtor to me. 

This collection item is therefore inaccurately placed on my credit reports, and should be immediately deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Conn's, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I went to conns XXXX XXXX in XXXX in XXXX Colorado To purchase a TV. A sales associate by the name of XXXX was helping me With the process of purchasing my new TV I applied for a credit. I chose the TV that I wanted and we finalized the purchase and contract. Upon picking up the TV, I noticed that it was the wrong tv. I immediately called and told them what was going on. They mentioned I can either keep the TV or bring it back and get a return or an exchange as long as its within 14 days. Today XX/XX/XXXX I called again to get more information on whether I can exchange it and pay the difference for the to that I actually wanted Or discuss other options returning the TV. I spoke to XXXX XXXX the store XXXX, and he advised me that they wouldnt be able to approve the return because the third-party warehouse where I picked up the TV from is no longer in business with cons And not accepting any returns or exchanges. Meaning that they are not able to honor their return policy. The sales rep made a mistake by giving me the wrong TV and I am unable to bring it back to the store for a return or exchange. It hasnt Been one week yet since Ive had it. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX ACCOUNT IS COOSED BUT STULL ACTIVE AND SHOWING LATES EVERYMONTH. How is that possible? I disputed on XXXX. At XXXX. And XXXX. At XXXX came back verified problem not fixed that telling me Experian not doing proper verification. This needs to be fixed or deleted attach is copy of email Experian sent 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 2024-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Unifin Inc.
State: CA

Complaint narrative:
I have received additional communication from Unifin about a debt that was previously discharged in a bankruptcy. Unifin has been contacted in the past, including a previous CFPB complaint filed by me, for attempting to collect on the same discharged debt in XXXX of XXXX. This company will not leave me alone despite knowing I filed Bankruptcy and the debt they are attempting to collect on was legally discharged. 

In XXXX of XXXX a CFPB complaint was filed against UNIFIN under complaint # XXXX for unlawfully attempting to collect a debt referred to UNIFIN for collections. The UNIFIN reference number is XXXX. Original creditor XXXX XXXX XXXX also named in the 1st complaint. The current creditor is XXXX XXXX who is using UNIFIN to collect. The complaint was resolved in XXXX with UNIFIN acknowledging the bankruptcy and agreeing to stop collecting on the debt. The bankruptcy information is as follows : Case # XXXX - XXXX XXXX Bankruptcy XXXX XXXX, no asset case Date Filed : XX/XX/XXXX Date XXXX : XX/XX/XXXX In XXXX of XXXX I received another collection letter from UNIFIN XXXX XX/XX/XXXX. This is 15 months after they were notified that the debt was XXXX. This letter contains a docket number for a judgment ( XXXX XXXX XXXX XXXX ) filed XX/XX/XXXX while I was protected by a Bankruptcy stay and which was legally XXXX in my bankruptcy. There is BOLD lettering stating " The XXXX of XXXX Now ''. It is my understanding that after a debt is XXXX in a chapter XXXX bankruptcy, there is nothing owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I purchased this vehicle in XXXX. It has NOT been reported correctly since opening the loan. It shows XXXX incorrect entries on my report over the last XXXX years ( either showing no payment, 30 days late, 60 days, 90 days or 120 days and now it shows I have not made a payment since XX/XX/XXXX, but I have never even been 30 days late. I have tried for 12 months to get this corrected. I have filed disputes and the company does not respond within 30 days, so the account just gets removed from my report, but it is still affecting my score. I want the account to show on my credit and be reported correctly. I have spread sheets and cashed checks for every payment ever made, which I will supply. 

I have XXXX and have to have a life saving XXXX which is almost {$200000.00}. My co pay if {$43000.00}. I have been prevented from getting this loan and my XXXX for almost a year due to this incorrect reporting. I have done everything I can to get it fixed and I have supplied the company with the creditor assistance number they need to call for XXXX and Transunion ( they say they don't report to XXXX ) but they are refusing to call, stating they can't stay on hold that long. 

I am hoping you can help me get this fixed so I can get the XXXX I need to save my life. 

I am supplying a picture of how they have reported me, a picture of my payment stub reflecting my due date and spreadsheets with my payment dates and check numbers. I can also supply all cashed checks if necessary.

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 2024-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have uploaded the supporting documents. I entered into an agreement with PNC after approval for a Conditional Trial Period Plan of ( XXXX ) months, payments of {$1400.00} on the first of XXXX - XXXX - XXXX of this year. I received a call and supplied direct backing information and approved for all ( XXXX ) payments to be auto paid. PNC for unknow reasons only took ( XXXX ) payments and decided not to process the third without informing me. I had XXXX in the back at the time to cover it. 
I was notified on approximately XX/XX/XXXX, that I was ( XXXX ) day past being ( XXXX ) days late on the last payment. I responded that I was not contacted in any way, and did not understand why that haven't processed the last payment. 
It was relyed to me : We do not send a letter. 
We do not text you. 
We do not email you. 
We may have called you but it is and unlisted number, which may come up as spam. 
We not not leave a message with out phone calls per our policy. 
I was not gioven a reason for thier failure to process the last payment. I then authorized PNC to immediately process the last payment. The processer sais no. 
I was referred to ( XXXX ) more processors each time saying they would take the payment, then stating they had to get final approval from a higher up, then saying no. 
The third processor was a lady from New York. She stated she would call me tomorrow and check the phone conversation I had to see if I authorzed all ( XXXX ) payments. 
She did call the following morning and state indeed I had. 
I then authorized once again the last payment and asked her to process it. 
She stated NO. 
They have deliberately set this program up to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
As I was in review of my credit report I came across some hard inquiries that are not mine.

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 2024-07-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have been receiving emails statement about the card. Try to access the account for the balance forgot password and called Bank of America XXXX XXXX XXXXXXXX XXXX XXXX. Was told I couldn't have the info unless the party who gave me the prepaid card contact them with my info. I'm confused, if I'm receiving email about the statements they must have my information. The card was give to me to pay my expenses for XXXX XXXX purposes.

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 2024-07-15 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX I opened up an account with CHASE bank. On that same date I deposited two separate payroll checks into the account using their mobile app. One check in the amount of {$790.00} & another for {$390.00} On XX/XX/XXXX I received an email from CHASE informing me that my account had been locked/restricted. I called CHASE customer service & spoke to a representative that informed me that my account had been locked & that they needed to verify my deposited checks. I was put on hold & then told that they were unable to get verification. I have since called CHASE customer service multiple times in an attempt to get my checks verified. I called & spoke with representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX all to no avail. I was repeatedly told that they were not able to reach the check issuer to receive verification. I eventually learned that the number they were using to obtain verification was a fax number. They have refused to use any other number provided to them to obtain verification & claim these numbers are unable to be authenticated by " Their system '' A CHASE customer service representative even spoke to an individual in my employer 's payroll department & still refused to verify my deposited payroll checks as the number used was apparently not considered verifiable by whatever system they use. I was told today ( XX/XX/XXXX ) that my account with CHASE has been closed & that although the funds from my deposited payroll checks had cleared those funds will be withheld until CHASE can verify them. I am XXXX years old & this is my first bank account & this experience has been beyond frustrating. I just want access to the money that I have earned but CHASE is holding my money hostage until they can verify it which is a process that has already proven IMPOSSIBLE. I have spoken to multiple customer service agents, & supervisors & have even asked that my issue be escalated & nothing is being done. I am submitting this complaint in hopes that this matter can finally reach a resolution & allow me access to money that is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Trans union, XXXX TO XX/XX/XXXX, XXXXXX/XX/XXXXXX/XX/XXXX, XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I received an Amex XXXX card. I was able to use the card a handful of times but have since had various transactions declined at a number of different merchants, including XXXX where it worked a few times. 

I have tried this multiple times with amounts less than the full remaining balance. 

There have been many reports of this problem with Amex XXXX cards.

Company response to consumer: Closed with monetary relief