vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
We balance transferred from our XXXX credit card to a XXXX  interest promotional until XX/XX/XXXX. We have paid the transfer fee and the first month recieved an interest payment amount for the transfer. We contacted BofA and talked with XXXX XXXX on XX/XX/XXXX. We transferred almost {$13000.00} to take advantage of the advertisement. XXXX indicated this was probably an internal error in their system and sent in the request change. We would be notified in two days of the change. XX/XX/XXXX we talked with XXXX from XXXX and he indicated the request was sent in and on XX/XX/XXXX they deemed the request not valid because they indicate no ad was present at that time. They then asked with we wanted to move our money to another credit card to get benefit of promotional offer. We indicated we would not and would be looking to remove our money from that account. From BofA, they acknowledged we had been customers for 25 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: PNC Bank N.A.
State: MD

Complaint narrative:
XX/XX/2023, I informed PNC Bank by mail that my wife XXXX XXXX XXXX XXXX XXXX XX/XX/2023. I stated there was no estate or money to pay her debt. PNC Bank called me on several occasions stating I was a joint owner and responsible for the debt. I disputed the debt and explained I was an Authorized User not a joint owner. In a letter dated XX/XX/2023 PNC Bank informed me the credit card account has been been updated. My wife 's name removed and replaced by my name. In reply letter dated XX/XX/2023 I again disputed the debt. I asked for written validation that showed I was joint owner. To date PNC Bank has not replied in writing to my concerns or requests. However, PNC Bank did report to credit reporting agencies that I was 60 days over due on payments to the debt without saying the debt was in dispute. My credit score was dropped XXXX points and I was denied credit when I tired to replace my XXXX XXXX XXXX furnace and air conditioner. PNC Bank closed my wife 's checking account and placed a hold on {$2500.00} balance in the account. PNC Bank never notified me or gave me access to my wife 's checking account. They have a copy of my power of attorney authorizing me access to my wife 's financial accounts. PNC Bank is still calling me to the point of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I have been trying to close my late fathers account with Citizens Bank for weeks and their branch personnel have no idea what to do and their support personnel that they call either don't pick up the phone, don't help, or take days to respond. I have made 5 trips the bank. Three times they either come up with a new form I they didn't know about before or they can not proceed because they do not have access to competent personnel. I have every legal document needs - death certificate, probated sill, tax forms. Citizens is not training their people nor are they providing adequate support experts to conduct daily business. Citizens Bank 's incompetence is resulting in withholding of funds that I have every legal right to. They are also causing late payment and returned payment fees because they can not process this account. I have also had to call their technical support three times to gain online access only to find out the started a new platform and it simply " wasn't working ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
I have an imposter acting like a speedy-cash representative and they keep e-mailing me threatening to take me to jail I have already given them the e-mail address of the scammer I get them every week several times, Speedy Cash is aware of the scammers please contact speedy cash! 
THANK YOU! 
XXXX XXXX XXXX

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

Complaint narrative:
I have paid a bill off with a creditor on my credit report and I have disputed this same amount on my credit report and TransUnion has not change the amount to paid in full. The bill is paid off and it has not changed yet, it been two months! I look at the other credit report agency and they changed it within two weeks or so! This has been disputed twice with TransUnion, they are not a quality company at all!

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 2023-08-05 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: NC

Complaint narrative:
I've contacted transunion in the past to remove the unauthorized inquiry from my credit report, they told to me reach out to XXXX which where the inquiry come from. I contacted them and got an letter saying that the inquiry will be remove from my report and it never happened.

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 2023-08-05 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: IN

Complaint narrative:
XX/XX/XXXX - Placed order XX/XX/XXXX with XXXX XXXX XXXX using XXXX at check out. 
Purchase Total XXXX XX/XX/XXXX - Received Product the week of XX/XX/XXXX Product was not as described Called XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX to request a refund and return the product I was given permission via phone to return the product and receive a refund Informed XXXX  online that product was being reurned XX/XX/XXXX - XXXX XXXX XXXX  received product and accepted XXXX via XXXX. 
Proof of delivery attached XX/XX/XXXX and ongoing : Harrassed from XXXX for payment for a product that I have returned. XXXX placed account into collections. Informed XXXX  and credit bureaus that item has been returned. Shown proof of return product with XXXX Have made attempts with all parties to rectify the problem. Despite showing proof of refund all companies continue to fraudently state that money is still owed and continue to slander my name.

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 2023-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I paid my {$310.00} XXXX  debt in full to the company that owned it at the time, XXXX XXXX XXXX XXXX XXXX. On XX/XX/23, they cashed my check. 

On XX/XX/23 and again on XX/XX/23 I was contacted in writing by Credit Collection Services, who attempted to collect the same debt, this time for {$330.00} but for the same procedure carried out by the same provider on the same day. 

My guess is that XXXX XXXX XXXX XXXX XXXX both cashed my check paying the debt and also sold the debt to another company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
SPACE COAST CREDIT UNI Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX. Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry 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 2023-08-05 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: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I have a milestone credit card. I did not remove the auto pay and link to my bank and it kept popping off my account. They accused me of removing it. I did not. I got a late situation XX/XX/2023 and a manager helped me waive charges, pay a huge fee to fix and get a head and confront the auto pay situation etc. She was going to reverse and fix the late reporting etc to credit bureaus on recorded line. I feel she lied to me that this was not done.. I reported XX/XX/2023 to complain.. just now XXXX XXXX at XXXX and XXXX  only apologized for them dropping the ball and said investigation still under way. I said I am not trying to sue you but I will report you if you dont fix this and do have access to lawyers as this is lying about me and incorrect reporting as it was to be fixed .. nothing bad showing up on either credit for ever due to some glitch ... I want all bad stuff aobut me these 2 credit cards reversed asap .. as I am trying to buy a house in this horrible housing market. This will really hurt me,, have reported to XXXX XXXX to fix all the bureaus to no avail .. getting with you and soon fca and having lawyers send a letter soon

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am writing to bring to your attention a distressing issue concerning my IKEA credit card, which is managed by Comenity Capital Bank. I applied for the credit card online, providing accurate information, but despite being approved, I never received any communication, confirmation, or the essential disclosures related to the credit card agreement. This lack of communication left me in the dark about the terms and conditions, putting me at a disadvantage as a consumer. 

Nonetheless, I was able to make some purchases at IKEA in XXXX using a temporary card, which the IKEA representatives provided. This temporary card allowed me to make the necessary transactions, but my worries grew when I received the actual credit card through the mail and was unable to activate it. When I attempted to make a purchase, the card was declined, leaving me puzzled and concerned. 

Determined to resolve the issue, I contacted IKEA 's customer service, hoping they could provide some clarity. Unfortunately, they were unable to locate my account in their system, and they advised me to wait for a statement, which I have never received. This confusing response left me feeling frustrated and anxious about the status of my account. 

To my shock, I recently discovered that there is a derogatory entry on my credit report, stating that I haven't made any payments. This damaging entry has caused my credit score to plummet by a staggering XXXX points, severely affecting my overall financial well-being. It is incredibly disheartening to see my credit suffer when I have made sincere efforts to resolve the issue, but my attempts have been met with frustration and dismissal. 

Despite making multiple calls to seek assistance, I am confronted with the same frustrating outcome - nobody can locate my account, making it impossible for me to rectify the issue or make any payments towards the credit card. This has placed me in a helpless situation where I am unable to address the problem, leading to an unjust and detrimental impact on my credit history. 

I am in the process of purchasing a house, and this erroneous credit report entry is causing significant hurdles in securing a mortgage and achieving my long-standing dream. This situation is incredibly distressing, as it is not a result of any negligence on my part, but rather a failure on the part of the credit card company to properly handle my application and account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-05 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: CA

Complaint narrative:
I was looking over my credit report there was some of these inquires on XXXX, XXXX and Equifax. that I do not recall. Nor giving them permission to run my credit. Before, I submitted a claim with CFPB I contacted each bureau as well as the banks that ran my credit. Neither could give me information on these inquires. Therefore, my next course of action is to submit a complaint with CFPB regarding these inquires.

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

Complaint narrative:
I was looking over my credit report there was some of these inquires on XXXX, Experian and XXXX. that I do not recall. Nor giving them permission to run my credit. Before, I submitted a claim with CFPB I contacted each bureau as well as the banks that ran my credit. Neither could give me information on these inquires. Therefore, my next course of action is to submit a complaint with CFPB regarding these inquires.

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 2023-08-05 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: NV

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
Purchased a number of items from a woman, never received the items, tried to get a refund from cashapp and XXXX and they both refused to refund my money. I've also tried to resolve this with the woman I purchased the items from she refuses to pay me back, claiming I have plenty of money and I'm not going to do anything about the {$5000.00} she stole. I spent over a month going back and forth with her I need damages for my time wasted, emotional distress damages and repayment for the equipment I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I ordered the wells fargo autograph card. On XX/XX/XXXX, my card was used fraudulently without me having ever received the card. 

I was issued a new card after WF did their fraud investigation. 

I was issued a new card on XX/XX/XXXX. 

It is currently XX/XX/XXXX and I have yet to receive the card in the mail. 

The card comes with a promotion to spend X amount in 90 days and receive Y bonus points. 

The days have been ticking off from the promotion yet I don't have a card and can't use it... I asked if they could reset the promotion date to when my new card was issued. 

The customer service rep was short, rude, and did not help. She said there was nothing to be done. 

This seems wrong...

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 2023-08-05 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$540.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$8100.00} XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 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: PA

Complaint narrative:
My consumer rights have been violatedXXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

This account is not mine and has been opened fraudulently. DELETE THIS FRAUDULENT ACCOUNT 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 2023-08-05 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: PA

Complaint narrative:
My consumer rights have been violatedXXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This account is not mine and has been opened fraudulently. DELETE THIS FRAUDULENT ACCOUNT 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 explanation