vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 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: ZIONS BANCORPORATION
State: ID

Complaint narrative:
Zions Bank Corporation deliberately and unfairly charged my personal account overdraft fees in a discriminatory and XXXX biased manner. 

In XX/XX/2021 Zions bank charged overdraft fees for my account ending in XXXX the amount of USD XXXX and my account ending in XXXX the amount of XXXX. 
I disputed and paid these fees in full. The bank statements are attached. Zions stole my money. 

In XX/XX/2021, Zions again charged my account XXXX the amount of XXXX for a single transaction of XXXX dollars. Zions then proceeded to harass me with mutliple telephone calls and collection letters and put my name on XXXX XXXX, even though they were informed the charges were false. They also reported me to a collection agency and cost me an XXXX loan of XXXX. The evidence is attached. 

Zions bank favored rich white customers over poor blue XXXX workers including XXXXXXXX discriminations, including me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I am submitting this compliant on my own. There is no third party involved. I have sent numerous letters to XXXX, XXXX, and XXXX informing them that I am a victim of identity theft. Someone opened a credit card, got medical service, and a loan under my SSN. They also made fraudlent inquiries on my report as well. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. XXXX unaware of any of this. I'm asking XXXX, XXXX, and XXXX to Please remove this information from my consumer report under 15 U.S.C. 1681c-2. This is really hurting my reputation and effecting my ability to get a new job and home. I filed an FTC report. Please see attached.

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 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/2022, I applied for thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from American Express and was denied for all 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I opened a checking account with Citibank with the advertisement that if requirements are met, I will receive 50k miles bonus to my XXXX XXXX account. Here is the ad : o First, open a new Checking Account between XX/XX/XXXX and XX/XX/XXXX ( Offer Period ). 
o Second, enroll in the Member XXXX XXXX More Checking Offer on the same day you open your new Checking Account pursuant to the instructions provided. 
o Third, complete Qualifying Purchases2 with your Citibank Debit or ATM Card corresponding to the Checking Account Package requirement in the Chart below within 60 days after the Eligible Checking Accounts Account Opening Date ; The maximum amount of bonus miles credited will be based on your Checking Account Package on the XXXX calendar day after the Account Opening Date and completion of the Required Activities ( see Chart below ). 
o Fourth, make 1 or more Qualifying Bill Payments3 for 2 consecutive calendar months within 60 days of the Checking Accounts Account Opening Date. 
o Fifth, to remain eligible, your Checking Account must remain open and in good standing from the time its opened until you receive your Bonus. 
Your AAdvantage Bonus miles will be credited to your AAdvantage account within XXXX calendar days from the date you complete all Required. 


On line # 4 you will see that it states complete 3 bill payments from this account.

During the 60day period, I paid multiple bills of mine through this checking account. On multiple occasions once the 60day period is done, I asked where the bonus miles were and they said I didnt qualify.

According to Citibank, I had to do set up the bill pay through their website or app. If you read line 4 there is nowhere does it say that it had to be set up through their website as this can be interpeted as just paying bills from this checking account. 

I have tried to work with them and have not been successful. I have explained that they can not not honor this promotion when it is their wording of the ad that is not clear.

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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
On XX/XX/2022, I attempted to request my credit report from TransUnion following their instructions on their website and link to the free annual credit report. It was refused and denied without explanation. I attempted to log into my account on TransUnions website to access my free credit report and access was denied. Representative stated that access to my credit report online is blocked due to the fraud alert on my credit report. BUT IF I PAY FOR THEIR SUBSCRIPTION, THE REPORT IS ACCESSIBLE ONLINE. Transunion is violating federal laws by forcing me to pay for my credit report in order to access it.

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 2022-02-02 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2022-02-02 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: FC HoldCo LLC
State: SC

Complaint narrative:
This vehicle is actually my daughter 's. I originally was only supposed to be a cosigner. The beginning of XXXX I got an alert from my credit monitoring that a late payment was reported. I immediately made contact with Flagshit credit acceptance llc to find out what was going on. They informed me a payment was passed due 30 days. They informed me I was the primary on the loan but they did not have my contact information. I made all the payments to get the loan back to current. I then asked well if I'm primary why have I not been contacted about the late payment? They had no actual answers and just kept referring me to other departments. These departments have no direct contact for me to explain my case. I've emailed them and was assured they would make steps to correct my problem. They then told me their investigation found that they reported correctly. ( they said this to my disputes with credit bureaus as well ) my problem is how can it be accurate reporting when they aren't willing to admit to the credit bureaus that they some how didn't contact me as the primary loan holder? I have been back and forth with them for going on XXXX  months about this and all they keep saying is they won't do a courtesy with draw of the reported late payment. My position is I'm not asking for a courtesy. I'm asking them to correctly identify that they did not contact the primary loan holder when the payment was in danger of being late. I would like to have the late payment with drawn as it was there loss of my information that led to them not contacting me. If I am truly the primary the fact that they spoke to anyone but me was a mistake on their part. The credit bureaus have taken over XXXX points from my score over this and flagship doesn't care that their mistake is causing me real life issues. I appreciate CFPB getting involved in assisting me with what very well seems like a violation of the fair credit reporting act. I say this because for them not admitting their clerical issue and that they never reported that part to the credit bureaus then they have not reported accurately.

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 2022-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I applied for an auto loan with pNC bank and was denied on XXXX XXXX. PNC bank has used my social security number for their advantage but has discriminated against me and violated my consumer rights by denying me of my credit. As of now I have not gained anything from PNC BANK using my social security number which is considered unauthorized use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: IL

Complaint narrative:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: IL

Complaint narrative:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2022-02-02 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: TX

Complaint narrative:
I have filed an identity theft dispute with XXXX stating that I have been a victim of identity theft and have provided them a copy of my passport, Affidavit Identify Theft, and Consumer statement stating that the accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not mine, and I have not done any business with them. XXXX has refused to block these accounts from my credit profile under the law Under 15 U.S. Code 1681c2 - Block of information resulting from identity theft. I want these account deleted from my XXXX credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/2022 on Sunday at XXXX I deposited {$510.00} dollars in my account and it gave me a receipt saying to call the number to make sure the money was deposited into the account I then called the claim specialist for Chase banking they made a claim incorrectly for {$310.00} and the gave me a claim of {$3.00} dollars I then called again to fix the issue after I fixed the issue I then called back again and they said they cant give me my money back because they said it was only {$3.00} dollars in the atm

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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:
. I already sent few rounds of dispute about them. I believe that someone have my personal information. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo attempted to charge an account that I did not ask them to charge and that had been closed for over XXXX years. On XX/XX/XXXX I made an online payment of {$500.00} from my XXXX XXXX checking account ( XXXX ) to my Wells Fargo credit card. On XX/XX/XXXX Wells Fargo sent that {$500.00} back to XXXX XXXX ( " adjusted payments '' ) and they charged me a {$29.00} fee for a " returned check. '' I got an alert from Wells Fargo that same day that they had received information that my XXXX XXXX account was no longer active. They showed the account number ( XXXX ) that account had been closed since XX/XX/XXXX. My XXXX XXXX account shows confirmation that I sent the {$500.00} from my currently open checking account. I complained to Wells Fargo, they said they will return the {$29.00}. XXXX XXXX has provided me documentation to show that the account was closed in XXXX and I have taken screenshots to show that my open account was used to send the payment. Wells Fargo said that they opened an investigation into the issue. Due to Wells Fargo not properly processing my {$500.00} payment, I went over my credit limit. 

While I spoke with Wells Fargo representatives, they repeatedly suggested that I had typed the wrong account number.

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 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I booked a trip through a solo traveling group, XXXX for XXXX of 2020. I paid {$3100.00} to XXXX through my PNC bank. The company cancelled the trip due to COVID and offered no refund but only credit for future travel. I reached out several times with no response but when I finally reached a refund department, I was told they filed bankruptcy and were unable to provide a refund but did provide me with steps to contact my bank ( PNC ) to dispute the payment because according to the Fair Credit Billing Act, I have the right to claim a refund when the service was not received due to company bankruptcy. 

I gathered my emails, credit notes, booking receipts, and email from XXXX who is representing XXXX who now is under new ownership and still running solo trips... weird. 

I filed a claim to PNC bank and was denied. They are not willing to work with me, refund the money, and redirect me to anyone who can help me. 

I am willing to share any additional information you may need and am appreciative for any guidance, suggestions, or at least to document this for others to see so that no one else has to go through this same situation with XXXX or PNC bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I have done my due diligence to send a notice to ALLY FINANCIAL of violations to my consumer rights. I sent a notice certified mail, green return receipt to the registered agent which is XXXX XXXX XXXX. The notice was received on XX/XX/2022 ( Exhibit A ). In that notice ( Exhibit B and C ) it exclaims that my consumer rights have been violated pursuant to but not limited to the TRUTH IN LENDING ACT ( 15 usc 1601 ) ( 12 CFR 1026 ). Along with my claim, as a consumer I demanded ALLY FINANCIAL to cease all communication to third parties and not to report negative information to any credit reporting agencies. Today XX/XX/2022 I received a notification from the credit reporting agencies XXXX and XXXX of a negative report from ALLY FINANCIAL ( Exhibit D ). They have now willfully violated my demands as a federally protected consumer. I have also demanded documentation to verify that I in fact owe the alleged debt ( Exhibit B ). Knowing that I have been taken advantage of financially and emotionally and completely mislead has taken a toll on my mental health, my physical health, my relationship with my partner and my family. ALLY FINANCIAL has also restricted my account to where I am not even able to contact them through the email portal on the website. ( Exhibit E )

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 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I reported XXXX to the FTC and my debt was cleared and my membership cancelled. XXXX made unauthorized checking account withdrawals. The account ended in XX/XX/2019. Ive responded to the collectors as well as XXXX. XXXX agrees I do not owe. Collectors are still harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: CT

Complaint narrative:
I spoke with Discover reps yesterday, XXXX, was advised accounts are closed, checking account overdrawn in the amount of $ XXXX including returned item in the amount of {$690.00}. This item is a check issued from XXXX XXXX XXXX XXXX, mentioend in prior CFPB complaint ( XXXX ), a relative deposited check into account under his name. It appears the relative made a claim for this amount with issuing bank, XXXX XXXX, whom in turn investigated item and was returned back to them as of yesterday, XXXX. I spoke with a XXXX XXXX with XXXX XXXX to verify return, was told it was not returned, it was denied... I then reached back out to Discover, was told funds were returned to XXXX XXXX, which does not match up with information provided by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: PA

Complaint narrative:
From XXXX XXXX XXXX 2021 my girlfriend and I rented an apartment from the company XXXX XXXX  XXXX which represented our landlord XXXX. On that final week of XXXX we asked our landlord and property manager if that we could have an extra week to move our stuff out. They said yes. At the time there was no mention of a charge for staying an extra week, considering that we had paid first and last months rent + security deposit. A month later our old property manageXXXX XXXX called us and demanded we pay him XXXX $ for staying the extra week. At this point we had already long since moved out. It was not agreed upon at the time and certaintly not in our lease agreement, so we saw this as a fraudulent charge. We contacted our landlord, XXXX and he said had no knowledge of this charge. He expressed that we did not owe that to him over text messages which I have saved. The property manager representing XXXX XXXX XXXX management then changed his story and told us he " had no record for rent being paid in XXXX ''. We sent the receipt for XXXX, and pointed out in our lease we had already paid the first and last month 's rent plus security deposit. We were always on time with our rent payments, and recieved our security deposit back in XXXX minus XXXX dollars. We recieved a check for XXXX of the remaining deposit. We thought this was closed issue. In XXXX the property company threatened to send us to collections for this supposed charge. We once again sent them our receipts and expressed that this charge had never been agreed upon, and was an extortion attempt. Yesterday we received a call from XXXX XXXX trying to collect this alleged XXXX XXXX Our old landlord XXXX once again put in writing that we do not owe this to him. This is a fraudulent charge and I left them a message asking for debt verification. We have all of the written proof that our rent was paid in full for the 9 months we were at our old apartment and would like to dispute this fraudulent charge. Once again, XXXX $ was taken from our security deposit. At the time we assumed they were taking this as a charge for the week over our lease. But now here we are, with no agreement, no mention of money until a month after the fact, and a bill from some random collection company, over a charge that was made by a company who hadn't represented us or our property in over a month.

Company response to consumer: Closed with non-monetary relief