vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-08 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: FL

Complaint narrative:
Good Morning, My name is XXXX XXXX XXXX, I was checking my credit report and I realize there is an error with my address, please update my correct information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I was quite surprised on XX/XX/2023 in paying my first PNC Core account statement ending in XXXX online through PNC 's portal, it advised my payment may not be processed for up to three days. The due date was the same day, XX/XX/2023. 

I can transfer funds through any one of my six PNC accounts with the transfer happening instantly. Why not here? I had no notification of such a delay with an internal PNC credit card payment. 

My first payment was due XX/XX/XXXX. I made that payment before XXXXXXXX XXXX on XX/XX/XXXX. Per the slow posting time stated on XX/XX/XXXX at XXXXXXXX XXXX EST I made a call to customer service at XXXX and PER MY REQUEST I WAS ASSURED NO LATE FEES OR LATE CHARGES WOULD BE APPLIED. 

Per a USPS letter from me to PNC on XX/XX/XXXX, I required that the {$27.00} late fee and {$1.00} minimum interest charge be reversed. 

Per PNC 's USPS letter to me on XX/XX/XXXX, PNC indicated the payment was not received on the due date and the late fee and finance charge were correctly assessed to my account. 

I completely object to this conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: FL

Complaint narrative:
Included in the this section is the letter which I sent to all 3 credit reporting agencies instructing them of the identity theft and fraudulent accounts to be removed, including the timeframe in which it needed to be done by and they did not comply with federal law. Attached are also the letter and my FTC identity theft report.

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. 

I reached out to the Equifax, XXXX, and XXXX regarding this exact matter and it has been 30 days and they 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 the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
I am currently in dispute with this company of the validity of this debt. See CFPB complaint XXXX. Before this complaint I received a letter from the company requesting that I would give them 30 days to investigate the validity of the debt. This date started on XXXX XX/XX/2023. Before this request and during I have received bills from the company demanding payment. Most of the bills are dated before Lakeview request so I have ignored them. On Friday XXXX XXXX XXXX and dated XXXX XXXX XXXX I received a bill demanded payment along with Lakeview threatening to affect my credit and possibly seize my home. According to 15 US 1692 g Lakeview must cease all attempts to collect on the debt and can not negatively affect my credit unless the debt is validated. According to the bills by the company ( if the debt was valid ) my first payment would have been on XX/XX/2023, making a threat to seize my home very threatening. An addition in my letter requiring validation I notified Lakeview to cease all contact with me or anyone in my family.

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 2023-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I purchased a room at the XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX to be present at a comedy/music festival and made payment for XX/XX/XXXX thru XXXX. Payment plan began XX/XX/XXXX. The merchant never had a valid contract with the hotel to sell the rooms. The merchant sent our notification saying they were canceling due to the dispute with the hotel and the contract. The merchant sold me a service/product I never received. I called to dispute the charge several times with capital one. The merchant provides a fraudulent cancellation policy etc to avoid responsibility. The merchant is now in bankruptcy court ; however, I disputed the charge with Capital One before the filing. Capital one will never call me back. They would not provide contact information to the office if the president. On XXXX was charged {$350.00} On XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I was charged {$290.00} plus interest. 

I was refunded for XX/XX/XXXX {$350.00}, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Based on conversation charges from XX/XX/XXXX & XX/XX/XXXX were processed by a back office and the merchant agreed to refund me the fee XX/XX/XXXX. 

I have called and faxed documents over XXXX time in the past few months while trying to deal with the passing of mother. Capital One said the borrower responded so I can not dispute with them longer ; however, the merchant has committed fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I opened a money market account at BMO harris in XX/XX/XXXX. I funded the account via wire of {$380000.00}. Several days later I opened a 60 month CD at BMO Harris and funded it from the BMO Harris money market account. They took the money out of the money market account on XX/XX/XXXX but did not give me credit for the CD deposit until XX/XX/XXXX. 

I called and asked that they address this but they refused to do so.

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Opportunity Financial, LLC
State: TN

Complaint narrative:
i contacted this company or opprotunity loans XXXX about validating a debt that appeared on my credit account. 

they have yet to send me a validation letter or response to validation. 

how do i know this is my debt if i dont know or be able to look at the paperwork they submitted to credit bureau .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
I never applied for an {$8.00} loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: PA

Complaint narrative:
Fraudulent account appearing on my credit report. 

1. XXXX XXXX {$2600.00}

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 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: VA

Complaint narrative:
I purchased a smart bed from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV ) on XX/XX/XXXX. I paid with my XXXX XXXX XXXX XXXX XXXX  for the full amount without financing it. The bed was delivered on XX/XX/XXXX. Before I unboxed bed, I could smell the unbearable horrific odor. Along with the smell, there was also mold all throughout the bed. I immediately notified XXXX XXXX of this unacceptable furniture delivery, they had me take pictures and through several emails, they agreed to pick up the bed and send me a replacement. In addition, they also included white glove delivery service, and complementary installation for the replacement bed. 
Second bid delivery was on XX/XX/XXXX. Same unbearable smell, with less mold stains. 
Once again, I notified the furniture company. They asked for pictures again, which was a long and inconvenient process, especially considering this was the second time. 
At this time, I was no longer ready to give them another chance, I just wanted them to come get their bed and refund my money. They refuse to do so, and wanted unreasonable options, for example, to have a cleaning company, inspect my bed along with {$100.00} XXXX of the next purchase. After several attempts for them to come get their bid, and refund my money, I decided to go a different route. XX/XX/XXXX I reached out to XXXX XXXX XXXXXXXX since that was the original form of payment, and started a dispute claim. 
I submitted to XXXX  XXXX XXXX all my saved emails between XXXX XXXX and myself. XX/XX/XXXX XXXX  XXXX XXXX judged in my favor and awarded me the full {$4100.00} back to my account, shortly after words when I thought I could put this behind me I was still getting emails from XXXX XXXX not happy that I was awarded the case and the {$4100.00} was refunded they vowed to get their money back from me. Fast forward to XX/XX/XXXX. I periodically check my credit report through XXXX XXXX, I notice that there was a collection on my account for {$4300.00} through Allied Collection SE. opened XX/XX/XXXX. This frustrated me beyond belief, I was never notified by this collection company. No email, no phone call, no postal letter. As I stated earlier, original payment form was through a XXXX XXXX XXXXXXXX debit card, for full amount, not a finance which that payment was reversed due to XXXX XXXX XXXXXXXX investigation which included XXXX  input. I will include XXXX XXXX XXXX letter stating that they reversed the payment. I would like to file a complaint against Allied collection. S E, and I will file additional complaint with the appropriate agencies for XXXX XXXX. 
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 explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Well Fargo deposit accounts that were wrongly frozen and charged me fees after fees, some one wrote me two business checks, wells took the money and closed out the accounts. Totaling out to XXXX. I was always charged for some type of fee and and charge for things i didn't charge and i couldn't get my funds back.applied other incorrect charges to checking and savings accounts, and improperly froze some accounts several times where i couldn't pay my bills and now its on my credit and i cant open up another checking with other banks. I have actually file a law sue against Wells Fargo

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 2023-05-08 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-08 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: SC

Complaint narrative:
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statements, election, or waiver of status. 

I affirm under penalty of perjury under the Laws of the Land for the United States of America, that the foregoing is true and correct, to the best of my knowledge and belief.

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 2023-05-08 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  Transunion XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern : I'm writing to you in concern of some inquiries that are reporting on my credit file that I do not recall Please see items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please forward me any documentation providing proof I applied for credit with these creditors. If proof can't be provided, then please remove these inquiries from my credit profile immediately. 
Sincerely, 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 2023-05-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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