vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I tried to make a transfer and accidentally used huntington bank. The bank never lost funds and the money was never transferred successfully. I did eventually get the money from the right account that had nothing to do with huntington. There was not enough funds to cover the transfer yet Huntington still double charged me in fees XXXX for total of XXXX. After seeing this I tried to reverse the funds but they would not. I then communicated with them that the account is now closed and I would not be doing business with them. A couple weeks later I get a problem with someone sending money to that account on accident. The account was not closed and so they accepted the money and deducted it from what I " owed '' them. I told them this should not have happened and that they need to reverse the funds because the account was closed weeks before. They are now acting like they cant do anything and just wasting my time and stealing money that is not theirs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I'm the co-signer with a Navient account. This loan started in 2008 at {$15000.00} and now the balance is {$11000.00}. I have automatic deduction from my bank account. The accrued interest just went up this month to {$54.00}. My payment is {$130.00}. The interest rate went up to 5.75 %. I had no warning. I called about this today and the person helping me ( kids playing in the background ) just kept repeating what was on my bill over and over. At this rate, I will be dead before it's paid off. She let me know my interest rate was better than most people. If this was a car loan, no one would buy a car. I just had to vent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
I purchased cellphones and a cellphone plan with XXXX XXXX XXXX XXXX in our agreement i paid for unlimited service and the cell phones in installments all on XXXX plan XXXX payment per month. in the beginning of XXXX i attempted to pay my cell phone plan. instead of paying my service plan XXXX paid the cell phones off and disconnected my service. i assumed this was a mistake do to there automated system. i called and wanted them to fix the problem i explained that i did not authorize such payment. the payment i sent was to be applied to the service plan as agreed upon in contract and they would not fix this problem. 

I am a XXXX  and the phone number tied to this account has all of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i tried to just get the phone number and they would not agree to release the phone number to me. The phone that i purchased from them that is paid in full is still locked to this day so i had to purchase another one as well as service with another provider. Now as of XXXX they have furnished a XXXX collection account on my credit through convergent outsourcing without notifying me of such debt. i explained to them that i had no knowledge of debt. i don't understand where they get that amount from. i have attempted to get my payment records and original contract from them for proof and they are giving me the run around. 

I have reached out to both XXXX ( XXXX ) and convergent outsourcing to clear this up and remove it from my credit. XXXX ( XXXX ) has all of this in there notes as well as on recorded lines and through there mobile app. 

I have been dealing with these issues for over six months. My credit is damaged because of this. This has cost me money. they are causing stress in my life. this is interfering with my constitutional right of " life liberty and the pursuit of happiness ''. 

In accordance with the Fair Credit Reporting act XXXX  ( XXXX ) has violated my rights, 15 USC 1692g validation of debt, 15 USC 1692h they made a unauthorized payment not in accordance with my direction. 

Convergent Outsourcing XXXX, 15 USC 1692g validation of debt

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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX, XXXX  Acct # XXXX and XXXX XXXX XXXX Acct XXXX XXXX have violated my rights 15 U.S.C. 1681 Section 602 A states that I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I sent a dispute for accounts that were included in my divorce as well as copies of my divorce decree. There are also inaccuracies across credit bureaus. The accounts were not removed nor were they properly investigated. I asked for more information about the investigation process and what steps they took to confirm I was responsible for these accounts. I was just sent another letter saying the invest

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After several attempts over extended periods of time where the credit reporting agency has had plenty of chances to correct their errors, they have not. Furthermore, they continue to violate my rights as a consumer and have cost me the fair opportunity to accurate credit reporting. I am now submitting my request for payment of these violations and blatant proof of their deliberate ignoring of the laws. I attached proof of laws that are being violated along with the accounts. Please assists me in putting an ending to this matter. 

Attached is my formal requests along with before and after most current investigation request results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
XXXX XXXX XXXXVelocity Investments violated my privacy rights with aggravated identity theft. I have made multiple attempts with disputes and certified mail to have these violations resolved including a cease to desist to CKS Prime Investments after Ive stated the alleged debt is not mine. They were not allowed to sell an alleged debt on a cease to desist! This is considered harassment from XXXX XXXX XXXXVelocity Investments and CKS Prime Investments . Per 15 USC 1692d ( 3 ), can not advertise debts to coerce me into paying them. {$20000.00} ( {$10000.00} from each collection agency ) is due for the damages of each violation applied. VIOLATIONS : - 15 USC 1692g - 15 USC 1681a ( 2 ) ( A ) ( i ) - 15 USC 1681b ( a ) ( 2 ) - 15 USC 1681n - 15 USC 1681o - 15 USC 6802 - 18 USC 894 - 15 USC 1692d ( 3 ) - 15 USC 1692d ( 4 ) - 15 USC 1693I I am seeking {$16000.00} in damages due to the MULTIPLE violations that CKS Prime Investments and XXXX XXXX XXXXVelocity Investments has acted on. This has triggered pain and suffering by emotional distress, risking my livelihood, mental health, and physical health. As stated above, CKS Prime Investments and XXXX XXXX XXXXVelocity Investments has violated me with aggravated identity theft. I can not be forced to waive my rights as a condition of 15 USC 1693I. I have the right to opt out of non-affiliated third-party reporting. CKS Prime Investments and XXXX XXXX XXXXVelocity Investments must disclose my right to opt-out and has committed fraud, which has no statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX  days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX  remove the inquiries and its been XXXXdays XXXX  they record the calls XXXX   admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX  now im XXXX  XXXX  cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my my constitutional rights. Per 15 U.S.C. Section 602 A States I have a right to privacy, and 15 U.S.C. Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without written instructions

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 2022-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My name is XXXX and Im one of the many victims of the XXXX XXXX XXXX scam. On XX/XX/XXXX XXXX was selling a sofa-bed on the XXXX. A prospective buyer messaged me requesting to pay using XXXX. I wasnt familiar with this form of payment, but I remembered that I had seen it on my PNC app. The fact that XXXX was offered on my bank app gave me a false sense of security that brought my guard down. The buyer asked for my email address to send the payment. I received a fake email appearing to be from XXXX XXXX XXXX the buyer had paid using XXXX business account and that I must upgrade to the business account too. The buyer then contacted me directly claiming that he received the same email from XXXX and, to make things easy, he sent me money to cover the purchase and the upgrading fee. Then the scammer asked to be reimbursed for the upgrading fee. And this went on with XXXX transactions ( claiming problems with the XXXX system ) with a total loss of {$1700.00} ( {$200.00} + {$500.00} + {$1000.00} ), almost all the money I had in my PNC account. I reported the scam immediately, within minutes, to PNC. After 10 days from filing the dispute, PNC sent me a letter of denial, stating that the XXXX transactions were not fraudulent because I had authorized them, even though I had been tricked into doing so. I believe that since XXXX is embedded in the PNC app, PNC should feel in part responsible for these scams. If I had to download XXXX and create an account myself, I would have probably had the time to think about what I was doing and get suspicious. Also, banks get away with denying these claims because federal Regulation E requires banks to cover only unauthorized transactions and these scams trick people into making the transfers themselves. I believe that since I was duped into making these transactions, they should be considered unauthorized. 
Thank you for listening to me. Please, let me know what I can do to make this right. Any suggestion will be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Gurstel Attorney has tactics that involve illegal and harassing practices. Exempt monies in my back account have been frozen. I dont have paperwork with dates or legal signatures on them. This attorney is trying to take over XXXX XXXX dollars of my savings that came from XXXX XXXXXXXX benefits social security back pay that I received after years of fighting for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so.Please investigate my disputes, please. 
Thank 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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so.Please investigate my disputes, please. 
Thank 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 2022-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TN

Complaint narrative:
I attempted to make a cash deposit of XXXX to XXXX XXXX XXXX  ( who I bank with ) on XX/XX/XXXX however the ATM was out of service. I had made withdrawals at US Bank ( who I do not bank with ) before because the ATM was under the XXXX XXXX XXXX, so I assumed I could also make deposits. I made the cash deposit at US Bank instead at and received a recepit. Over the next few days, the deposit was never credited to my account. I assumed it would take a few business days so I waited. On XX/XX/XXXX, I called US Bank customer service and was told I needed to contact my own financial institution since I was not a customer there so XXXX XXXX Bank would need to start a claim with them. I contacted XXXX XXXX Bank on XX/XX/XXXX and was told they could not do anything, it was US Bank who would have to return my money from the ATM as it was their issue. I went in person to a US Bank branch on XX/XX/XXXX and the customer service representative told me they were not responsible because I was not a customer of theirs, that it would have to be my bank that would need to fix the issue. I went in person to my bank on XX/XX/XXXX and was told they would contact US Bank to try to resolve the issue. It is now XX/XX/XXXX and neither institution has fixed the problem. I just want the funds. US Bank has been extremely unprofessional. They have tried to get rid of me at every turn, simply because I am not a customer of theirs. I understand I made a mistake and I own that, but I have proof I made the deposit and they could simply verifiy with my bank that the funds were never desposited. Instead, they simply brush me off and tell me they 'ca n't do anything '. Why try to steal my money? It's just XXXX. If they are stealing that little from me I don't want to know how much they are stealing from other people!

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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
TransUnion and XXXX failed fix error in account site unable to add documents saying I sold vehicle. XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, have violated my rights. 

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.

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 2022-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I closed my accounts ( all of them ) with Bank of America ( BOA ) on XXXX XX/XX/XXXX due to constant degrading service. In addition to my checking/savings accounts, I opened a safety deposit box and BOA required me to give them a {$25.00} key deposit which would be refunded when the box was closed if both keys were returned. As of today XXXX XX/XX/XXXX I still have not received my {$25.00} deposit back. I provided the local branch my deposit slip showing I gave them a deposit when I began banking with BOA on XX/XX/XXXX. When I closed my account both keys were returned. My deposit slip clearly shows " Key deposit payment {$25.00}. The branch manager XXXX XXXX tells me she has asked for the deposit to be returned to me on the day I closed my accounts -- - XX/XX/XXXX, then again on XX/XX/XXXX, when I stopped in to check on my deposit and again today XXXX XXXX. Despite her XXXX attempts, I still have not received my deposit. I'm tired of waiting. Poor service from BOA is why I left the bank in the first place. XXXX XXXX today told me that she would call me on XXXX XXXX with a resolution to this situation, however in light of the past experiences, I don't hold out much hope. Hopefully you can contact someone with Bank of America and get some results. Thank 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 monetary relief
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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