vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I bank with PNC my mortgage company XXXX XXXX XXXX XXXX XXXX double dip into my checking account which depleting my savings account cause at the time I only had {$2100.00} my mortgage is {$2900.00} I contacted XXXX XXXX XXXX XXXX and I informed them that they double dipped into my checking account and I wanted them to reverse the charge in terms. It led to a ten day wait so I didnt have any money, but XXXX XXXX XXXX XXXX XXXX XXXX tell me that a check will be mailed out to me? So I called PNC and I explained the problem to them so, I informed them that I wanted to dispute the amount that I was minus on my checking account and what was told to me is that they needed to have an investigation so again I have to wait PNC shouldve seen that my account was double dipped because I got a Social Security check and XXXX pension check they basically know my banking habits so I dont see why they let XXXX XXXX XXXX XXXX XXXX double dipping into my checking account. I had a borrow money so I could survive this month. All my bills havent been paid and Im stuck with waiting. Im a XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
My account with NAVY FCU was never late! I have had exceptional payment history with NAVY FCU and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor ma
y not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

NAVY FCU Never Sent the periodic statement along with the disclosures from section 1637 ( b ).
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-06-28 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:
Hello, I would like you to help me remove this from my report. My credit is getting really bad because of this. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, New York XXXX XXXX - XXXX $ ( XXXX ) XXXX Account Name : XXXX  XXXX Account number : XXXX Balance {$75.00} Account Name : XXXXXXXX XXXX XXXX  Account numberXXXX Balance {$0.00} Account Name : XXXX  Account numberXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-06-28 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:
Hello, I would like you to help me remove this from my report. My credit is getting really bad because of this. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, New York XXXX XXXX - XXXX $ ( XXXX ) XXXX Account Name : XXXX  XXXX Account number : XXXX Balance {$75.00} Account Name : XXXXXXXX XXXX XXXX Account XXXX Balance {$0.00} Account Name : XXXX Account XXXX Balance {$0.00} INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not allowed fraud alert on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not allowed fraud alert on my credit file

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 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I applied for an American Express Platinum Card XX/XX/year>. On XX/XX/year> I received a written notice from American Express that my application was denied. On XXXX XXXX I sent the underwriter a letter requesting my application be manually reconsidered, according to 15 USC 1602 ( l ) and 15 USC 1681 ( a ). I received another denial. The specific reason ( s ) as to why I was denied is irrelevant because I have a right to credit and withholding my securities is securities fraud!! American Express is in clear violation of the Equal Credit Opportunity Act and Consumer Credit Protection Act! I also call New York and told the supervisor about the securities fraud, He said it nothing he can do, and to call new york and tell them, but he gave me no directives as to who to contact or what department to contact. I was asking for ADVERSE ACTION. American Express unlawfully refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
From XXXX multiple unauthorized charges to my account from a merchant I had done business with prior to these unauthorized charges. Citizens bank absoloutley ignored me and refuses to provide me with any/all documents or documentation as to why they are not protecting my money in my account with them. I did NOT authorize the questioned transactions and my account is now in the negative due to their refusal to reimburse my money to my account!!! I also had a {$190.00} XXXX charge to my account this month and still have not been provided any proof as to who made these transactions, whether my debit card was present and/or whether my PIN was used or not. They have completely ignored me and have dismissed my CFPB complaints. I highly suggest anybody with money in a citizens bank account REMOVE your money as they will not and DO NOT protect their customers!!! I am demanding my money be reimbursed or some type of visible proof as to why they are not giving me my money back. I DID NOT AUTHORIZE ANY OF THE TRANSACTIONS FROM XXXX AND DEMAND THIS BE CORRECTED IMMEDIATELY I AM PROTECTED UNDER REGULATION E BY THE FEDERAL GOVERNMENT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Unlike other bank NFCU lets you make payments electronically and allow you to pay off the load early without penelity however, the way they get over on thier customer is if you want to pay extra for example an auto loan they post that as a payment to the following month not to the principal. They make it hard to make a principal payment it can only be done between XXXX and XXXX after you main payment hits. I believe we should have and option when paying online to add a principal payment in addition to the regular payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A few months ago, I outlined several inaccuracies on my credit report and submitted a detailed list of these discrepancies. Unfortunately, the responses I received did not address all the issues, and some items were completely overlooked. 

I then submitted a reinvestigation request to you, along with direct disputes. While some issues were resolved, many remain unaddressed. Most recently, I provided the responses received from the creditors, which highlights the inaccuracies in your reporting. However, these inaccuracies have not been corrected. 

I am requesting to DELETE these outstanding issues on my credit report. It is crucial that my credit report reflects accurate and up-to-date information. 

Thank you for your prompt attention to this matter.

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 2024-06-28 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
No nation was taken by XXXX  XXXX because According to FCRA section 605b it is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report.

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
We went to the office to terminate the contract and they were aware of us leaving. We were on a month to month XXXX so we were able to terminate if we gave notice. They sent us to collections for over {$15000.00} even though we finished our lease and gave notice. 

I have tried calling them multiple times and left voicemails asking for the lease agreement and confirmation of us terminating our agreement, and we have never received a callback. 

I have copies of all our payment receipts that were always on time and can provide those if needed. 

This is causing us financial distress and we will pursue them legally due to this preventing us from renting or buying a house.

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 2024-06-28 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: GA

Complaint narrative:
I've reached out to XXXX numerous times throughout the years, in the beginning of last month of XXXX I sent them XXXX letters expressing my concern about reporting inaccurate information which is effecting me financially tremendously. I have spoke to them over the phone as well and let them know to send me something validating my signature with the original creditor and they are not able to provide that information. XXXX is not complying with their own policies in a timely manner is also a problem for me.

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 2024-06-28 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: GA

Complaint narrative:
I've reached out to XXXX numerous times throughout the years, in the beginning of last month of XXXX I sent them XXXX letters expressing my concern about reporting inaccurate information which is effecting me financially tremendously. I have spoke to them over the phone as well and let them know to send me something validating my signature with the original creditor and they are not able to provide that information. XXXX is not complying with their own policies in a timely manner is also a problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Reviewed most recent credit report from Trans Union and I noticed a collection/charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection/charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection/charge off in questions did not belong to me. 

This is a clear violation of code 15 USC CODE 1681S-2 for inaccurate reporting. Please removed these accounts from my report, they are hurting my ability to obtain credit

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 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: GLOBAL SOLUTION BIZ LLC.
State: AL

Complaint narrative:
This company has call me multiple times saying I owe a debt from them. I have no knowledge of the debt they refer to. They have made threats by sending a picture of the street I live on and contacted my family and friends. I have taken to someone name XXXX and he was rude and nasty over the phone when I told him I wasn't aware of the debt. I would like for this to cease before I take legal action especially after sending me pictures of my street address and tracking my location from our phone call. Remove me from you're system immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX OR XXXX XXXX XXXX  IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MA

Complaint narrative:
I was very fortunate to have my loans XXXX from XXXX XXXX XXXX for my XXXX  at XXXX XXXX. However, XXXX XXXX is not paying my refund properly. 
Based on loans # XXXX and # XXXX, I asked for a breakdown accounting of my payments and for which schools and they will not give me the information. I paid XXXX since XXXX -although they sent a letter saying it was XXXX. However, they reimbursed me XXXX and said that was it and that the payments I made, went to my XXXX XXXX XXXX from XXXX years ago, not my more recent XXXX  Therefore, they are retaining the money that I paid which is an additional XXXX refund. 
My opinion is they are a very dishonorable company that are mishandling student funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was told via email I would be charged {$1.00} for paper statements. If I received them electronically there would be no charge. So I agreed to electronic statements. However I did not receive notification my credit card payment was due. Perhaps I did. But it went to the spam folder. I do not recall receiving it. Then I received notification I missed a payment. So I called to pay. But they refused to waive the Interest of {$7.00}. Even though they waived the late fee of {$27.00}. I said I would keep the credit card if they sent me paper statements without charging for them. I got this card years ago. I should be grandfathered in to receive paper statements. i pay my balance in full every Month. And I paid the balance due and asked them to close my account as it is not worth the aggravation. But I refused to pay the interest as it is not my fault I didnt receive the notice that I owed money. They said they cant waive the Interest. Which I find outrageous. They collect fees every time I use this credit card and have made plenty of money from me. And now they want to charge me for statements and will not waive Interest charges when it is not my fault I did not receive notice of a payment due. Please make them waive the interest and stop charging for paper statements. This is for synchrony bank XXXX reward 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