vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have contacted XXXX  several times have sent certified letters about all the collections an hard inquiry on my account I have ask the to delete these accounts several times because of there improper investigations they did not investigation properly so I need everything thing deleted immediately .Thanks 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 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Around XX/XX/2023 I started getting email stating welcome to bank of America. The emails were saying here are the details to your new checking account. I thought it was a spam email and didn't really pay it any attention. well a few weeks later I got a new debit card from bank of America. I called bank America right away. I told them it wasn't fraud they said they will closed the account. Then I got a a letter in the mail asking me to send in my ID and more info regrading this account. I didn't trust it why would i have to give them more of of info if they fraudulently using my personal info. I didn't send it and they never closed it. when they finally closed it it was because of inactivity. at least that's what the email said.

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 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX I received a text message from PNC alerting me that they suspected fraudulent activity on my card. I replied to the message ASAP stating that the charge was wrong and that it should be flagged. I think called a few hours later just to make sure everything was taken care of and that my card was cancelled. 

I was assured on that call that the card had been cancelled but that since the charges were still pending I would have to wait and see if they actually went through before further action could be taken. After that I received weird emails in my inbox directly from XXXX stating that orders had been shipped. I immediately called XXXX stating that these orders were made fraudulently and that they need to be cancelled. I looked at my PNC account it looked as if there were 15 separate charges of {$300.00}. All from XXXX and all including the exact same product. They said that since they had already shipped there was nothing they could do about it. 

I then proceeded to call UPS, who they said they were being shipped by to cancel the shipment and send them back to XXXX as I did NOT want these products. They said there was nothing they could do on their end as the shipping process had already started. 

Once the charges formally hit my account I called the bank to file the dispute and then received a provisional credit a few weeks later. Then, Friday, XX/XX/XXXX I received a few letters in the mail stating that XXXX of the charges were found fraudulent but the other 12 were not. I don't understand how if all of these charges were made at the same time, for the same order, for the exact same amount how a few could be found in error but the others could be ruled as intentional. 

We did NOT make these purchases and did everything as we should have as consumers to take care of this back when it all happened. We have talked to multiple people at the institution and no one can provide us a rational reason as to why this didn't get approved and they are also unwilling to help us fight this to get our money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I took out a XXXX auto loan XX/XX/XXXX and paid it off in full XX/XX/XXXX. After XX/XX/XXXX, I entered an agreement with XXXX that the phone rep agreed to due to Covid. It was a hard time for everyone and XXXX agreed to follow the CARES Act Impacts Credit Reporting which states that they will not report late payments going forward during the COVID emergency on my account. Now I entered this agreement with the account as current. This agreement was to continue through the pandemic which actually just ended. I never let the car go to crazy past due and always paid but they charged me insane fees along with reporting my car late 11 times during this period. Four 30 days late, two 60 days late, and five 90 days late. XXXX broke their COVID Agreement and I believe violated the above mentioned law and now I am paying for it on my credit. Not only is the closed account current status showing " late 30 days '' but it has those 11 late payments on it. I am struggling to get back on track because this is holding down my credit score. Since I believe XXXX violated the COVID rules and promises to me I am requesting that either you remove the late payments and also current the current status or you delete the account from all three credit bureaus. I hope this escalation can handle this situation so there has to be no further action taken because I am not satisfied with how I have been treated

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 2023-07-19 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I took out a XXXX  auto loan XX/XX/XXXX and paid it off in full XX/XX/XXXX. After XX/XX/XXXX, I entered an agreement with XXXX  that the phone rep agreed to due to Covid. It was a hard time for everyone and XXXX  agreed to follow the CARES Act Impacts Credit Reporting which states that they will not report late payments going forward during the COVID emergency on my account. Now I entered this agreement with the account as current. This agreement was to continue through the pandemic which actually just ended. I never let the car go to crazy past due and always paid but they charged me insane fees along with reporting my car late 11 times during this period. Four 30 days late, two 60 days late, and five 90 days late. XXXX  broke their COVID Agreement and I believe violated the above mentioned law and now I am paying for it on my credit. Not only is the closed account current status showing " late 30 days '' but it has those 11 late payments on it. I am struggling to get back on track because this is holding down my credit score. Since I believe XXXX  violated the COVID rules and promises to me I am requesting that either you remove the late payments and also current the current status or you delete the account from all three credit bureaus. I hope this escalation can handle this situation so there has to be no further action taken because I am not satisfied with how I have been treated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I took out a XXXX  auto loan XX/XX/XXXX and paid it off in full XX/XX/XXXX. After XX/XX/XXXX, I entered an agreement with XXXX  that the phone rep agreed to due to Covid. It was a hard time for everyone and XXXX  agreed to follow the CARES Act Impacts Credit Reporting which states that they will not report late payments going forward during the COVID emergency on my account. Now I entered this agreement with the account as current. This agreement was to continue through the pandemic which actually just ended. I never let the car go to crazy past due and always paid but they charged me insane fees along with reporting my car late 11 times during this period. Four 30 days late, two 60 days late, and five 90 days late. XXXX  broke their COVID Agreement and I believe violated the above mentioned law and now I am paying for it on my credit. Not only is the closed account current status showing " late 30 days '' but it has those 11 late payments on it. I am struggling to get back on track because this is holding down my credit score. Since I believe XXXX  violated the COVID rules and promises to me I am requesting that either you remove the late payments and also current the current status or you delete the account from all three credit bureaus. I hope this escalation can handle this situation so there has to be no further action taken because I am not satisfied with how I have been treated

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 2023-07-19 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
During XXXX XXXX XX/XX/2023 I was on a retreat with my girlfriend and camping outside of XXXX XXXX Tx XXXX I left all of my personal belongings in my truck parked outside of my apartment building. When I returned, I was missing my phone and my wallet unfortunately. As I got a new phone, I was alerted that there had been tons of alerts from Wells Fargo, my bank. Emails and text messages regarding suspicious activity I had missed through the days. When I got into my online banking I was prompted to change my login information. I then saw that over {$4500.00} worth of charges had been made from the XXXX, Texas area to Colorado. Some of them including XXXX, which is illegal in Texas. I filed my claim the same night I returned home and waited to hear back. This morning on XX/XX/2023 I was informed that it was denied. They claim that the patterns are not consistent with what they are looking for. They are also claiming that the headquarters of the merchants XXXX be reported on the transactions and that the transactions were made in Texas. They also claim that since my PIN was used there is no chance it was anyone but me. Half of the transactions were made using my XXXX XXXX and online banking however. I just started a new job and lost my a majority of my {$5000.00} signing bonus. I was going to have a police report and they said I never provided it, but they said someone would reach out and ask for it. That request was never made from me and I didn't have a chance to even submit it. Per the process I will file it and provide it to anyone neccessary. I am asking for help as they are denying my chance to appeal the claim. The person I spoke with last told me to dispute it with fanduel and others, but I don't have any kind of information on these merchants or accounts created using my banking information.

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 2023-07-19 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: FL

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX Credit Card Services closed my credit card account without my consent in XX/XX/2023. I called the company to explain that I did not consent to closing my account due to 'inactivity ', but they stated it was their policy and there was 'nothing I could do about reopening the account. ' This is an adverse action that I did not authorize, and according to 26 CFR 1026.13, this is unauthorized use if my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I took out a credit card with the original creditor XXXX XXXX XXXX to rebuild my credit in XXXX and eventually use some of the funds for a vehicle down payment. I was fired in XXXX of that same year and I was having financial problems to the point of not being able to pay timely. In XXXX of XXXX, I lost my job as they were trying to make the arrangements to help me repay this debt and get back on my feet. However, I was denied unemployment along with no financial assistance due to having friends and family that disowned me due to my financial situation as they felt I never learn. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was also evicted from my home along with losing my vehicle, I have not had a place to live since XXXX of XXXX and no vehicle due to losing my car as well. 

I had EVERY intention of repaying this debt and NO intention of this situation escalating to a financial situation that was BEYOND my control. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have NO money XXXX XXXX  as I am trying to get back on my feet with stable income, a place to live and a vehicle. 

The company XXXX XXXX XXXX sent me an email along with a letter in XXXX of XXXX, I had every intention of paying the account off and no one contacted me to verify ANYTHING along with my requests to forgive this debt and I will admit to writing them VERY nasty letters with colorful language as I am VERY livid because I am trying to get back on my feet along with a place to live and a vehicle. 

I am also trying to have a stable income as most the employers, I applied to requires a credit check and I need this to get back on my feet. 
Thank you for your understanding and attention to this matter. 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 2023-07-19 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: LA

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.

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 inructions 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 if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I called Chase Bank after i realized they were charging me interest on balances for daily purchases even though these purchases were being paid off in full each month. However i received a loan from my credit card the year prior for 0 % interest and 0 payment for 1 year ending XX/XX/2023. Instead of applying my payments to my daily purchases chase bank was choosing to apply it to the loan on my account. This resulted in me being charged {$80.00} a month interest over the 12 months for my daily purchases. I explained that these monthly payments should be applied to my daily purchases and not the loan as it is not yet due. The customer service rep hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
First, Thank you for all your help! 
I'm taking the law class now hope I could make a different too. 

This is related to XXXX Submitted on XX/XX/24 The time when I reported the case. Citi card co. did credit me back {$5000.00}. So I did not included Citi credit card. However since then the credit is cancel and Citi requested me to pay {$5000.00}. I used 4 credit cards to purchase the service. 
3 credit cards of {$45000.00} from XXXX  XXXX XXXX XXXX XXXX. And {$5000.00} from Citi card, total of {$50000.00}. 

I have submitted to Citi of XXXX asked to re-investigate the disputed-XXXX  Credit Card # XXXX But I have not get any answer since last week. 

Update information : I have discovered, XXXX is not her real name that signed the contract with me. 
XXXX XXXX XXXX is her name. It appears that she has committed fraud by sign the contract under false pretenses. 
I believed the contract should be consider void due to the fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: Mercedes Benz Financial Services
State: DC

Complaint narrative:
XXXX is constantly reporting fraudulent information on my credit profile after I've asked XXXX to do an investigation into the fraudulent activity. however, XXXX is verifying fraud with no result on how they did the investigation. XXXX is in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My letters were sent on XX/XX/23 and no update has been sent to me as of yet about the matter to dispute. By law the credit company has 30 days and both Experian and XXXX has failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: OK

Complaint narrative:
This is my last and final attempt to get hard inquiries removed from my TransUnion consumer report. I sent transunion documentation due to unauthorized inquiries on my report. They received the letter certified mail green return receipt on XX/XX/XXXX tracking number XXXX i sent an ftc report, passport and the proper documents to remove the items from my report but they are still on there. TransUnion is being negligent in my request and now I am seeking {$1000.00} for the negligence of them ignoring my letters that they received and signed for. i have my proof that transunon received the letter and they are supposed to remove the hard inquries within 4 days upon receipt it has been well past 4 days and the hard inquiries are still on my report therefor i am demanding to be compensated for the inconvenience and will seek litigation/arbitration if need be.

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 2023-07-19 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: GA

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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