vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/22, I learned that my check XXXX XXXX was cashed to a person that I did not authorized. The check was written to XXXX in the amount of {$66.00}. The check was washed and written to a XXXX XXXX XXXX for {$15000.00}. PNC Bank was notified on XX/XX/22. I was not able to open an account online, so on Monday XX/XX/22, I went to my PNC branch location in XXXX, GA to open a new account while the current account was being investigated. The branch was under staffed and not able to take that day. They referred me to the XXXX location in XXXX XXXX, XXXX XXXX XXXX opened a new account. The bank mailed me an affidavit which I submitted on XX/XX/22. After a couple of weeks, I checked with XXXX XXXX on status of resolving this matter and stated that I really needed my {$15000.00} returned. At that time she asked me if the bank had told me that it would take 120 days to look into this matter. I told her this was not satisfactory. She made a complaint on my behalf. I was was contacted by XXXX XXXX XXXX at PNC. I asked at that time if PNC would provide interim funds. She said it was not possible. She basically said it takes 120 days and there was not anything I could do about it. I received a letter from PNC Bank on XX/XX/22 that showed proof of payment and to call PNC if thought it was fraudulently negotiated! I was upset. XXXX XXXX said it was standard procedure and PNC was still investigating. She said I should file a police report. I filed a report with the XXXX Georgia police depart. Case # XXXX with XXXX XXXX XXXX in late XXXX. I found out later from XXXX that the PNC XXXX request XXXX is XXXX. 
It is now closing on almost 3 months since the fraudulent check was issued. Check washing has happened often recently, especially for mailed dropped off at the XXXX post office. Other neighbors and friends that I know have received their money from other banks within a month. The banks are XXXX and XXXX XXXX XXXXXXXX. It seems very unreasonable to have this issue take so long. Also, it seems suspicious that the person knew they could write a check for {$15000.00} and it would go through. XXXX Police said that {$1500.00} was the highest amount that had been frauded to date! 
Basically, I have to call periodically to get updates on this from PNC. The only PNC rep that I have a phone number to is XXXX XXXX in the XXXX XXXX. Her Branch Manager is XXXX XXXX. The person handling my complaint and investigation is XXXX XXXX  XXXX. When I spoke to her in XXXX she gave me a number that was never answered and you could not leave voice mails. I feel like they are hoping that I will forget about this matter. I am over XXXX and feel I am being taken advantage of! PNC never has offered to provide funds in the interim while I am out the money. I have asked at least twice. This is unsatisfactory service!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 



XXXX XXXX AUTO LATE PAYMENTS REPORTED ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than seven years. 1 5 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 have 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 2022-12-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: SC

Complaint narrative:
my vehicle was repossessed. 

but no right to cure letter was made. 

I checked my mail everyday after I recovered from a medical issue with XXXX XXXX recurring. 

their was no letter from the company office title max for right to cure.

I went into the website to do a payment and I was told that the only payment to make is in cash only. 

the option to use check or debit card is blocked. 

this option is not blockable I believe

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: VA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MN

Complaint narrative:
-- a friend gave me {$100.00} gift card purchased from XXXX. 
-- activated the card on XX/XX/XXXX then forgot about using it. 
-- checked the balance yesterday ( XX/XX/XXXX ) and found out that the balance became a XXXX. there is no purchase history but XXXX XXXX. 
-- the XXXX states that there is no fees what so ever regarding the maintenance fee. 

( FAQ ) " Are there monthly fees or usage fees with my Vanilla Gift Card? 
There are no fees associated with your Vanilla Gift Card, other than the purchase fee. '' XXXX XXXX XXXX XXXX XXXX  -- can not reach any human staff by phone number on their website. 
-- ridiculous to know that {$100.00} just disappeared after two years without any purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
In XXXX of XXXX I was subject to an elaborate Employer scam. I answered an ad on a job board, that turned out to be scam. The role was to be a recruiter, to that end I was sent training materials for this role. I was then sent payment via an electronic check with instructions to bank the check, and then make a withdrawal that is to be put into another account ( at a different bank ) in order to fund the equipment for the role as a recruiter ( a special computer with encryption ). XXXX such transactions were undertaken, on receiving a XXXX check with instructions... I questioned the need for another transaction, at which time I was told if I did not comply, I'd be financially ruined. Within the hour they had reversed the XXXX checks I put into my financial institution ( Santander Bank ). I reached out to the company without success. So I called Santander Bank, and was directed to their Fraud Dept. I supplied the Santander bank with all the documentation, along with email communications. To which they have left me holding the can. I find this extremely disturbing that a XXXX XXXX XXXX has ZERO fiduciary responsibility to a customer of good standing for XXXX  years. Also it is completely absurd that a Banking Institution of this size would clear XXXX checks into my account that were apparently not valid checks, and had NO funds behind them to support the deposit of funds to my account. Thus I am being held responsible for a short fall of over {$9300.00} USD, and my account has been closed by Santander Bank. I am looking to see what recourse I have?

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 2022-12-07 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: CA

Complaint narrative:
I obtained a personal loan from XXXX in XXXX. The first payment was deducted from my bank account automatically. I intentionally made a second payment thinking I was paying ahead. I made this extra payment because I was in the process of relocating to another state. Therefore, I didnt want my payment for the following month to be late since I was also starting new employment. When XXXX called me the next month saying my payment was due, I asked the representative to check my account and see I made an extra payment on my account. She said she could see the extra payment but I still owed for the new month. The company began to harass me over the payment. 
I have since paid XXXX towards the balance which is approximately XXXX. But I received notification from a credit reporting agency that my credit report has a 30 day late which has impacted my credit report causing my score to drop XXXX points. Prior to this incident, I had a perfect payment status. 
I called Prosper an spoke to a supervisor. She informed me there was nothing she could do even though she verified I made the extra payment in advance.

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 2022-12-07 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
In XXXX I changed the date of payment with their authorization and they reported I was late. 
In XXXX during the pandemic, they offered me the COVID Relief program and stated that I don't need to worry about payment during this period. They also stated, they will report to the Credit bureau during this time. After the period I made the payment and after a few months paid my loan was completed and paid in full. 
A few months after I paid my loan in full, they reported to the credit bureau that I was late during the pandemic. 
I tried multiples time to talk to them. Also, I disputed this issue with the credit bureaus several times, but still the same result. They still reporting I was late. 
Credit Acceptance - account # 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 2022-12-07 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: MS

Complaint narrative:
Pursuant to USC 1681 these accounts are damaging to my reputation, character, and violates my rights to privacy. This account furnised a false report and does not have my consent to report to ANY credit reporting agency. Any alleged documents or agreements from listed account ( s ) provides rights only to the credit bureaus which Experian, XXXX, XXXX, etc. are not bureaus, but are assumed agencies pursuant 15 USC 1692a ( 1 )

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 2022-12-07 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2022-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
In XXXX I was notified that as of XX/XX/2022 Truist Bank would be taking over my mortgage from XXXX. 
Since day 1 I have been trying to set up a way to pay my mortgage to them but they have given me nothing but excuses as to why their systems won't allow me to set up an account. Today I tried again and they told me that my cell phone did not pass their security measures so they couldn't set up online banking for me. I said sending me a book of payment slips would be fine as well. I just need a way to pay. They refused to send a book also. I said there.must be a way to pay my mortgage. They had no response. I did not ask to do business with this bank. I was perfectly happy with my original bank. I feel that Truist bank is purposely not allowing me to service my loan because of my low interest rate and they are looking for a way to add additional fees or foreclose on my home. All I want is a simple way to pay my mortgage like I always have.

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 2022-12-07 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Comenity Bank/NY & CO Acct XXXX XXXX and Comenity Bank/DavidsBridal Acct XXXX XXXXXXXX, has violated my rights. 


15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian continues to report incorrect personal information on my credit report. 

My name should be listed as : XXXX XXXX XXXX XXXX ( All other names should be deleted. ) My address should be listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( All other addresses should be deleted. )

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 2022-12-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
Calling family members when asked to not contact anyone outside of myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: MS

Complaint narrative:
Pursuant to USC 1681 these accounts are damaging to my reputation, character, and violates my rights to privacy. This account furnised a false report and does not have my consent to report to ANY credit reporting agency. Any alleged documents or agreements from listed account ( XXXX ) provides rights only to the credit bureaus which XXXX, Transunion, XXXX, etc. are not bureaus, but are assumed agencies pursuant 15 USC 1692a ( 1 )

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 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/22 a check of the mobile banking application provide by citizens bank via the XXXX  play store indicated that a transaction on hold would cause an overdraft. Transferred {$55.00} from a citizens bank savings account to cover the transaction. 
Checked mobile banking application at XXXX on XX/XX/22 and noticed that the hold processed and additional transaction had occurred placing account in negative again. I made a cash deposit of {$47.00} at a citizen 's bank ATM at XXXX EST bringing the balance to XXXX. 
I checked the mobile banking application at XXXX EST and account balance was showing XXXX but no additional fees or transactions were listed in the transaction summary screen, the document center, or other communication methods from Citizens bank. 
Attempted to resolve this conflict of balance to official presented information from citizens bank. I was informed there was no way to resolve this discrepancy in their system until the automated systems processed at close of business today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: TX

Complaint narrative:
FCRA Violation auto loans not mine XXXX XXXX XXXX FCRA Violation credit cards not mine XXXX XXXX XXXX  CARES ACT Violation credit card payment never late XXXX XXXX XXXXXXXX FCRA Violation other loans not mine XXXX XXXX XXXX  FCRA Violation other loans payments never late XXXX FCRA Violation hard inquiries not mine 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation collections not mine XXXX XXXXXXXX XXXX XXXX XXXX  FCRA Violation personal information not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX  is reporting on my report as a charge off, but with a balance. If it is a charge off they have already been paid for it. Also XXXX is part of a class action lawsuit that I am included in that reveals that they are incorrectly reporting information. Per 604 A 15 Us Code 1681 B, I never gave written consent to furnish any information about my account and per 605A 15 1681 C1 no written consent is considered identity 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 non-monetary relief
Consumer complaint received 2022-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2022-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
XXXX opened an account in my name without my consent or authorization over 20 years ago ( I found out about it in XXXX after my brother passed away in a house fire ). The account was at my deceased brothers residence in XXXX XXXX XXXX. XXXX, NC XXXX. I have NEVER lived there or authorized any account to be opened in my name. I have advised XXXXXXXX of this by phone and certified mail. I have requested a copy of my agreement and a payment history. They will not provide, they instead sent bill copies from XX/XX/2022 thru XXXX XX/XX/2022. I have never lived at this address or consented to have an account at this address placed into my name. The first collection agency agreed and sent it back to XXXX, now they have sent to another collections agent. My personal account with them was at XXXX XXXX XXXX, XXXX XXXX, NC XXXX was closed in XXXX of 2022 after being open well over 25 years with never ONE LATE PAY! It was paid in full with a XXXX balance. This account at XXXX NC is NOT MY DEBT! I NEVER consented to or authorized it. I have spent hours trying to get this resolved. For a company to be able to come out of nowhere and claim I owe a dent on an account opened 2 decades ago with out my consent is a total sham. Not only have I had to deal with my only siblings passing, I am having to fight this company on a debt I do not owe!

Company response to consumer: Closed with explanation