vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
At XXXX XXXX on XX/XX/22 I received an email saying my account was overdrawn. At XXXX XXXX on XX/XX/22 I got a second email about a second charge that caused an overdraft. At XXXX XXXX I got another email stating I now was being charged {$36.00} twice for over draft fees. It hadn't even been 24 hours since I received the first email about the first overdrawn charge. Their policy is 25 hours. They claim its not their problem that the emails were sent later than they should have been, and refuse to remove the fees so I can get my account out of the negative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Company report me late during XXXX and did not provide options for relieve in 2020. I was sick and wrote a letter for payment options because i couldnt talk for 3 months with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Company report me late during XXXX and did not provide options for relieve in 2020. I was sick and wrote a letter for payment options because i couldnt talk for 3 months with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Company report me late during XXXX and did not provide options for relieve in 2020. I was sick and wrote a letter for payment options because i couldnt talk for 3 months with XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: NY

Complaint narrative:
Experian refused to remove an account that is not mine. 

I have despites 3 times already with supporting grantor documents of account in dispute

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 2022-08-18 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: PA

Complaint narrative:
According to 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may provide a consumer report in line with the consumer 's written instructions. I would like to state that TransUnion is in breach of this provision. The following accounts were never reported on my consumer report by TransUnion with me as the consumer 's express authorization. 

Consumer : XXXX XXXX Last 4 of Social : XXXX date of birth : XX/XX/1990 TransUnion file number : XXXX Accounts 1. XXXX XXXX XXXX account # XXXX 2 XXXX XXXX XXXX XXXX : all accounts associated with this company 3. XXXX XXXX XXXX XXXX : all accounts associated with this company Identity theft occurs without consent. I've included a report on identity theft that claims they are being falsely provided on my credit report. I demand that these errors be taken out of my consumer report. I would start to lose trust in the financial system if these mistakes weren't fixed. In accordance with 15 USC 1681 ( a ) ( 1 ), I would like to state that the banking system dependent upon fair and accurate consumer reports. TransUnion is breaking the law by allowing these accounts to appear on my consumer report. Once these illegally furnished accounts are removed ; TransUnion must inform the other two credit bureaus. Hopefully this can be done without me having to file litigation.

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 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I pulled my report XXXX XXXX ; and I noticed quite a few inquiries that I did not give written instruction/consent to. These inquiries are an invasion of my privacy 1. ) they have harmed my reputation ; I keep getting denied for having inquiries 2. ) I am emotionally harmed and will not extend credit or apply to anymore financial intuitions, 3. ) I have not been able to physically get a job Provide me with permissible purpose including my written instructions, the recipient source and the purpose ( credit, insurance or employment ) list inquiry or inquiries

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 2022-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX told me they would correct the inaccurate information on my consumer report but has yet to do so. XXXX XXXX XXXX had a billing error on my account and didn't mark the account as disputed. The inaccurate information on my consumer report has stopped me from being able to apply for credit. This has been very stressful and has made my life hard. I was told the information would be corrected from XXXX XXXX XXXX but they have yet to correct the information on my consumer repoort.

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 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX told me they would correct the inaccurate information on my consumer report but has yet to do so. XXXX XXXX XXXX had a billing error on my account and didn't mark the account as disputed. The inaccurate information on my consumer report has stopped me from being able to apply for credit. This has been very stressful and has made my life hard. I was told the information would be corrected from XXXX XXXX XXXX but they have yet to correct the information on my consumer repoort.

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 2022-08-18 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: NM

Complaint narrative:
XXXX XXXX is reporting a debt that is not mine. I contacted them today they could not give me any information regarding the loan. I never had a loan with this company. We are trying to close on our house XX/XX/15, hindering my ability to close. Loan number XXXX. I called XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: NM

Complaint narrative:
XXXX XXXX is reporting a debt that is not mine. I contacted them today they could not give me any information regarding the loan. I never had a loan with this company. We are trying to close on our house XX/XX/15, hindering my ability to close. Loan number XXXX. I called XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NC

Complaint narrative:
1. My mortgage paid out two Homeowners policies on the same day. They stated Nationwide did not meet coverage and denied the policy but then paid Nationwide the same day as XXXX ( policy coverage accepted them ) OUT OF MY ESCROW ACCOUNT. 

2. Nationwide stated they sent MY MORTGAGE COMPANY a reimbursement check last week. Why isnt it posted to my account? {$1000.00} 3. My coverage with XXXX was effective 7/22. Why was I only reimburse partially for THE FIRE COVERAGE MY MORTGAGE COMPANY ACQUIRED?

4. April 2021 WAS NOT A LATE PAYMENT. MY MORTGAGE COMPANY applied it IMPROPERLY. WhenTHEY FINALLY corrected it, they stated they could not change the date they post it in the computer but they would NOT report to the credit bureaus due to THEIR ERROR. Its all noted on my account and I have copies. I have disputed this with my credit report several times and they keep denying the correction.

5. THEY have the balance on my account on my credit report as 25k, when in fact its 17K. I have disputed this with my credit report several times and they keep denying the correction.

6. All late payments this year was due to YOUR COMPANY WORKING WITH XXXX XXXX XXXXXXXX XXXX XXXX, which has paid them over XXXX XXXX. I have a SEVERAL letters from you all stating the follow : If your correspondence is related to a payment application please be advised that XXXX will suspend adverse reporting on your loan for 60 days from the date of receipt. 
AGAIN, I have disputed this with my credit report several times and you all keep denying the correction. 

7. Why is my account being charged a $ 20 monthly fee when XXXX is paying my current payments? What is the {$20.00} charge for? My mortgage company states inspection. Why are they inspecting my property monthly. 

I have tried with XXXX for ANY DECENT CUSTOMER SERVICE. THEY HAVE EFFECTED MY LIFE AND CREDIT TO THE POINT OF A LAWSUIT NEEDED. 

I Made MANY credit bureau disputes and even called them all MANY TIMES to discuss. Per phone calls, they are correcting it. Per disputes thru XXXX and XXXX, they deny the dispute. 

I would appreciate answers and properly handling of my account. ** PLEASE NOTE THERE IS A CURRENT CLASS ACTION LAWSUIT AGAINST XXXX FOR SENDING IMPROPER DEFAULT/ACCELERATION/FORECLOSURE STATEMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity bank/EXPRESS has posted inaccurate information to my consumer report. I have not received a correct and true statement since November 2021. I have attempted to contact them but haven't received a response. This is a billing error and needs to be fixed so i can pay my credit card. This inaccurate information on my consumer report needs to be fixed so i can apply for more credit. This adverse action on my consumer report has affected my ability to move into my apartment. I want to continue to do business but i haven't received a statement at ALL.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX {$4100.00} XXXX left them multiple emails regarding this situation and I had someone throw paint on my door. Someone destroyed my apartment and claimed I did it just like my neighbor next door got into an argument with me and the paint on my door and they did nothing. I had to pay for a hotel because I didn't feel safe. i'll came to the front office and they aren't there or it's closed early or they don't answer their phone I leave messages I leave emails at this point there is nothing else for me that I can do they refuse to return any of my phone calls or respond to any of my emails in regards to XXXX issues that I have in regards to this apartment since I've been there I've had XXXX XXXX XXXX  XXXX from this carpet that it took them a month of me contacting and begging them to clean and i eventually ended up in the hospital I now had birds in the walls of my apartment and I've looked outside on the side of the house and there are holes that they have constantly made a noise pecking at to get into the building and now they are living in the walls I started getting pest issues from all the trash that is constantly left around the entire neighborhood I now have pictures of proof of everything from the dirty hallways the overflowing trash the dirty disgusting breezeways the amount of times that I've tried to contact them with no luck and on three different occasions now there have been gunshots near my apartment in my home and my safety is now questionable I also have recordings of one of the shooting incidents they are refusing to do anything the gate has been broken for almost 6 months now and no one is caring about the safety of the people that live here and I am expected to give rent when I do not feel safe living here i ended up losing my job due to me being XXXX XXXX XXXXXXXX XXXX  This was a very toxic living situation. I can not pay

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
XX/XX/XXXX " I received an email XXXX XXXX at XXXX titled, " Your brokerage and crypto accounts are restricted ''. I am told that my account is restricted, I can only sell my stocks, crypto, and transfer my stocks to a new brokerage. I am contacting XXXX  Since I have asked multiple times for a statement detailing the date, time, and what exactly was broken under the terms and conditions to have my account restricted. They do not have a direct phone number you need to open a chat a request a call back. Once restricted I can no longer request chats thus I can not speak to them. I have been emailing XXXX to try and get an answer to my inquiry. On XXXX @ XXXX I sent them an email stating, " I am unable to call into your support, or make any chats. Please let me know why my account was banned from your platform. It has not been stated in any email, call, or chat I have received. If I am only temporally banned please let me know when this will be lifted. At this point I am unable to create a new chat or request a call on your application. I appreciate your time and honesty '' ( My Email ). On XXXX at XXXX I got a response from stating, " As I stated before, the decision is final and binding. There is no option to appeal this decision '' ( representative named XXXX sent via email ). Which tells me I can not appeal there decision and its final yet they never told me the decision, why, and how long it lasts. Big picture I opened a chat saying I could not trade a stock since it was frozen stock named XXXX. It was right after a large volume dip and I was unable to place an order. I sent a screen shot to them. They said, " it must be a glitch ''. No this is a FTC violation and I'm starting to think thats why I got banned. If you read this entire thing I appreciate your time. As of now I have transferred my money out and my stocks. My crypto is sitting in my robinhood account. '' I can not request a call. The only response I get from XXXX is ; the decision is final and binding. There is no option to appeal this decision '' ( Robinhood ). If its final then tell me what your decision is based off of when it happened and why. Then tell me what is happening to my account and for how long, please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
For over 15 months I have tried unsuccessfully to resolve the issue of making sure that my Apple ID is consistent throughout the Apple network via the online methods provided. There are two issues surrounding the Apple Card. On XX/XX/XXXX, I contacted Goldman Sachs directly because of the ongoing problem with receiving paper statements when I do not want them and I was informed that they have an incorrect Apple ID associated with my Apple Card. It is unclear how this happened, but I have a theory which is more sensitive in nature to put here. The second issue is because the Apple Card will not link to my Apple services. After the phone conversation with XXXX XXXX I was told that the issue would be escalated and someone would be in touch in 3-5 days ( when in actuality he should have stated 10 days ). On XX/XX/XXXX, I contacted Apple directly because of these issues to see if they had a solution now that I had more information. I spent XXXX XXXX hours in an online chat trying to resolve the issues without resolution. A subsequent phone call was arranged that same afternoon, which also resulted in no resolution with XXXX. XXXX scheduled a return phone appointment for 5 days, which was not completed at the specified time. When he finally did call back it was still not resolved and now XXXX came up with yet a different reason that the problem existed. He subsequently put me back in touch with Goldman Sachs who stated that the timeline for the original resolution was 10 days and this was now XX/XX/XXXX. On XX/XX/XXXX XXXX from Goldman Sachs called and left a message in response to my XX/XX/XXXX initial call. I called XXXX back, but was not able to speak with him directly and again had to reiterate all the details of the situation. The Apple ID associated with Goldman Sachs is not accurate and according to Apple does not exist and thus I am unable to make this Apple Card/Apple product association work smoothly. This new person at Goldman Sachs stated that she would take the information and it would now be another 10 days. This afternoon ( XX/XX/XXXX ) Apple card called again and stated that I would have to close my account and apply for a new Apple card in order to have the issue corrected. My response was why would I impact my credit score with such a ridiculous solution. Upon receiving my mail today ( XX/XX/XXXX ) I had correspondence from Goldman Sachs stating that they take my complaint seriously and that they tried to contact me, but were unable to do so, but I should call again to seek resolution. Thus, I am filing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: NY

Complaint narrative:
On XX/XX/XXXX I submitted three accounts ( XXXX XXXX, XXXX, and XXXX XXXX ) in charge off for investigation as there were errors in the accounts and they came back as updated rather than deleted like I requested as they had 2+ years to report correct information and now that its modified it further dilutes my credit report making it hard to find the factual information from the modified. And upon them conducting their investigation there is no way the investigation was done properly because 15 U.S. Code 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. How could they have done a proper investigation. Also they violated my right to privacy. Not only that but once an account has been charged off the payment history can not continue to report charged off

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 2022-08-18 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: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, # XXXX XXXX tools, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXXXXXX XXXX, # XXXX us debt of XXXX XXXX XXXX XXXX XXXXXXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation