vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: NC

Complaint narrative:
My PNC XXXX was canceled XX/XX/XXXX due to fraud. I did not receive a new card until XX/XX/XXXX. The day I received the new card I immediately activated it. I saw that XXXX had not gone through and paid my statement balance. I asked them to waive the fee as I did not know XXXX was not in effect. They said they could not, because they had already waived a fee in XXXX. This case was also as a result of XXXX. I had XXXX in place for XXXX years. I never input an end date, but it ended in XXXX with no warning. 
The complaint was escalated to XXXX XXXX Complaints. I spoke to them over XXXX weeks, XXXX times and they said they needed to do more research. I also went to my PNC XXXX and they said they had no recourse. In the final call, they said they would neither waive the late fee or refund the {$75.00} in interest charged. They claimed I was told that I would have to address recurring payments, but I XXXX this to mean monthly bill payments, NOTAutopay. XXXX pays are set up in completely different parts of the system. As a customer of XXXX years who has never missed a payment, I feel this is unfair and fee gouging.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : Account # XXXX After your investigation the account still is reporting late for XX/XX/2023. However, I for sure paid this account on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following XX/XX/2023. 

I have requested a statement and or proof that I was late on this account and have not received such documentation. 
In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up.

I am requesting that you immediately update this account to paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I recieved a text on XXXX XX/XX/2024 from Citi Bank asking if I made charges for XXXX XXXX XXXX. I hit XXXX XXXX XXXX. The next day i checked my account and over {$1000.00} had been removed from account via hack. I called Citi and spent 3 hours on the line with a representative who helped me with 45 transactions that were deemed fraud. on XXXX XXXX, I spoke with 6 different reps for 2 hours to open new accounts and overnight a card. On XXXX XXXX, card arrived and I spoke with 5 agents who were all unsuccessful in assisting me with activating new card and transferring my money to new account. 

Each time I talked to someone I had to verify every piece of informationfor security. It's extremely frustrating someone was able to call in transfer money to my different accounts and use it and I am inconvenienced with no money from any of my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I was summons on XXXX with an intent to being sued to pay a balance on a debt collection from Portfolio Recovery Associates , LLC. I called the company on XXXX and asked to speak directly to XXXX XXXX at Portfolio Recovery Associates about this. All information I received was that they were a collection company, and he was the attorney who filed. I spoke with a XXXX, who worked with the dispute department and did open a case on my behalf. 
I filed for XXXX XXXX XXXX XXXX XXXX The summons states that I took out a credit card with XXXX XXXX XXXX XXXX. With that type of XXXX, I can not take out credit cards during my payback to it. Around the date they are claiming I took out the credit card, I was hacked with all my accounts, including social media and bank accounts. I had to delete all profiles and get a new debt card issued due to the hack. I personally thought this issue was resolved and this summons had not been put against of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
On XX/XX/year> I paid {$950.00} to my XXXX XXXX. Since the account is a rewards credit card I decided I'd like to use it to pay all my bills each month. So, I took the money for my bills and paid it on my mastercard to create room to pay my bills this month. The money was withdrawn from my XXXX XXXX Checking account and XXXX sent me an email to let me know they received and posted my funds. But despite this my available credit didn't update. I should have roughly XXXX of available credit to use, but it's only showing {$56.00}. I called XXXX, because it does not clearly state that the funds could be held for weeks. Not immediately available is not the same thing as telling a consumer that it could be held for 3 or more weeks. I've looked in reddit forums and have located extensive discussions about this bad practice. I believe that XXXX is using under handed tactics to hold on to funds without delivering it back to the consumer. No other credit card company I have does this. I was told because my account was less than six months old is why this is happening. At the time of payment it doesn't not specify this and if it had I would have never used XXXX for my monthly bills. I would have taken my business back to XXXX XXXX. I believe this practice is deceitful and the information being left off is done so to disuade people from not making payments. I fully believe that I have a legitimate case and could easily pull together a class action lawsuit with the rest of the people that have left comments in the reddit forums. I've never seen this many complaints about the same issue. 

I then requested my money back so I could pay my bills since XXXX intended to hold my money for weeks to months. I couldn't wait that long to not pay my bills. I was told that the only way to get my money back was via a paper check that might take 2-3 weeks to arrive despite my paying it electronically. Moreover, XXXX is one of the largest digital currency makers in the world yet a paper check was my only recourse. I eventually accepted the paper because it was actually faster than getting my funds cleared. 

I'd like the CFPB to take action against XXXX for false advertising and not prominently displaying or telling us the length of time that an account can left on hold. Leaving out the time is as good as a lie. I also want my money back expeditiously. They literally have {$950.00} of my monies in limbo. I look forward to you investigating this matter and hopefully fining XXXX in the millions for swindling their customers out of money and making interest of their held funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
I am REWRITING to complaint to BSI FINANCIAL SERVICES about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX TWIN XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 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 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 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 to any consumer reporting agency of 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 explanation
Consumer complaint received 2024-05-16 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: Novo Platform Inc.
State: GA

Complaint narrative:
The transaction that took place was not authorized by me. It seems it was authorized via the NOVO.co ( XXXX XXXXXXXX XXXX XXXX XXXX ) internal platform. It's been a few weeks and I'm not sure why they're not communicating or simply putting this sum back into my account. The company has closed the ticket I had without reporting to me- barely investigated - bc I investigated the various points of contacts on the transaction ( XXXX XXXXXXXX XXXX XXXX where the money was supposedly spent ), and with them found that it was all fraudulent and was done from my online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Trans Union LLC continually verifies information as accurate When not providing And documentary evidence And support their alleged verification investigation. 

I continually provided Trans Union LLC with the proper procedure steps in regards to blocking of information as a result of Aggravated identity theft. And pursuant to 15 US code 1681 C2, 1681 B2. Navy federal credit Union has also never given any supporting documentary evidence or written. Authorization to Share the consumers nonpublic personal information pursuing 215 United States code 6801. 

XXXX XXXX Continually does not respond to any Cfpb Response instead, passively Since the same response that they're still working on the issue when they are not working on the issue and continually declined to follow procedure and state and federal laws

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Sold my home and VA Mortgage with closing on XX/XX/year>. The VA mortgage/loan was assumed by Veteran XXXX XXXX XXXX As part of the assumption process several VA required forms were to be uploaded by Freedom Mortgage to VA so my full VA entitlement would be re-established. I have sent several emails to the Freedom Mortgage staff person assigned ( XXXX ) with no response. I have called and emailed a couple of other Freedom Mortgage staff i worked with earlier in the assumption process and they have re-forwarded my email to her with no response ..... 


Thanks, 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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I had several XXXX XXXX XXXX  ( XXXX ) credit cards that were cancelled by XXXX for fraudulent use reasons, not generated by myself. I called XXXX, who said they indeed cancelled those cards. Credit cards ending in XXXX, XXXX, XXXX and XXXX. 

XXXX reissued a new credit card ending in XXXX replacing the ( XXXX ) cards. 

Experian still carries the original ( XXXX ) cancelled cards as open with balances due on them. 

Ironically, Experian also carries the replacement card with a balance due, as well, which is fine. 

I need the initial ( XXXX ) cards removed from my Experian XXXX XXXX XXXX. I write letters and call them and still nothing gets fixed, Also, my XXXX XXXX payments are monitored by ( XXXX ) companies, who report this information to the credit bureaus on a regular monthly basis, but do not appear as recognized by Experian. The reporting companies are : XXXX AND XXXX XXXX 

Additionally, XXXX XXXX XXXX XXXX ending in XXXX was cancelled by the issuer, XXXX, and replaced with card ending in XXXX. The cancelled card number shows on my Experian report yet, but not the replacement card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Incorrect information/ Non-compliant reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Incorrect information/ Non-compliant reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year> I disputed the information being reported by the XXXX XXXX XXXX company for the amount of {$19000.00}. Equifax responded and stated that the information was investigated and verified as accurate. According to the FCRA a consumer interview MUST be performed in order to validate the findings of the investigation. I then reached out to Equifax and asked them for the debt validation letter as well as the details from the consumer interview that had taken place and I have to receive a response. On XX/XX/year> I disputed the information again and they responded with the same information. I asked again for the validation and interview details and they failed to respond. My privacy has been grossly violated and the company is party to libel, slander, and defamation. The FCRA outlines XXXX reasons for which one can report this information, and they have neither. I have since sent via their company website as well as certified mail a Notice of Intent to XXXX to demand clearance and deletion of this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was given XXXX American Express gift cards adding up to a total of {$250.00} and was saving them to use on a vacation. On the back of the cart it says " Use at U.S. merchants that accept American Express Cards. '' I have tried multiple ways to use them for both online & in person purchases from companies that accept Am Ex, to reload other gift cards, to put on my XXXX XXXX. I've tried everything - and every time I try, I get a card error or card declined message. Customer service at Am Ex is unhelpful as they tell me to try another retailer. Nothing is working. I just want to collect the amount that I have been gifted by my family. Am Ex is purposefully engaging in this way of stealing money from unsuspecting people and hoping no one will follow up and try to reclaim their money. It's a total bait and switch scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I got a {$800.00} XXXX charge on my Citibank debit card this past XXXX, I didn't make the charge contact Citi they claim they disputed it sent me a new card. today card comes at XXXX everything is fine. I go to sign into my account because I have my phone bill due account isn't working. call Citi they claim they're closing my account. can't tell me why I can't get into it ok give me my money then. they told me I CANT GET MY OWN MONEY BACK FOR XXXX  DAYS THEN TO WAIT XXXX  DAYS FOR A " CASHIER CHECK '' didn't even give me my {$800.00} back or tell me anything. on top of multiple fraudulent and duplicate charges on my account. total of XXXX OF MY OWN MONEY THEY CLAIM THEY CANT RELEASE MEANWHILE THE BANK OR CREDIT CARD COMPANY DOESNT CARE THAT YOUR BANK IS MAKING YOU WAIT FOR THEIR INVESTIGATION!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX and XXXX XXXX These reports and scores are UNAVAILABLE to the public - can not even buy them - and yet somehow these credit reporting agencies ( all of them ) and FHA, Credit unions, mortgage companies etc., are allowed to use them when we apply for anything. 
ARE YOU KIDDING ME...? 
This is WRONG, XXXX  for people like me, just starting out, and busting my XXXX to get my score high enough to qualify for anything. Now this?? I don't care if all the reports I have read that this was made " public '' ( not ) in 2022, as they are just now starting to use it. 
WHY CAN'T I GET A COPY OF A REPORT AND ALL MY SCORES ( and I do mean ALL of them ) when it is MY financial life these people are messing with! 
Currently you have XXXX, XXXX and Equifax blocking people from getting their reports/scores for NO reason other than a typo. They are also using antiquated systems and demanding that consumers send sensitive information through postal mail! Really?! Why not secured online documentation capture? XXXX XXXX has been using it for quite a long time. Then when you FINALLY get a report with no score ( cuz you have to buy it ) you can not dispute anything online, so there goes another XXXX weeks. In this day and age that is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX, has violated my rights. 


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.

Company response to consumer: Closed with non-monetary relief