vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I was planning on closing my PNC bank account as I had no need for it anymore. I held the amount needed to maintain the account without fees. I transferred the fees from the account with the intention of secure messaging them once the transfer processed. The transfer took extra time to appear in the account I chose ( likely due to the XXXX  holiday weekend ), but I was assessed a monthly fee ( around 25 dollars ) on my PNC account within 7 days of removing the funds from my account. I reached out to them via secure message asking to close my account, and informing them of the situation. They refused to refund the fee multiple times, and I am now being forced to call them and likely go through the same responses to a customer service representative. I can not close the account until I resolve this fee. Had there been any direction on their website regarding how to close the account ( there is not ), I would have followed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}, {$230.00}, {$230.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$4000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$230.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$230.00} -This is not my account.

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 2021-01-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}, {$230.00}, {$230.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$4000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$230.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$230.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is not working I paying for it I calling theres no changes I havent seen no boost at all secondly theses collection even with my ss lock they reaching me and XXXX  online not working I have medical insurance so why all my medical expenses going away and coming back after dispute and my phone has not shown not one time on Experian I Ben paying it and XXXX XXXX I dint even knw what that is

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 2021-01-24 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: MARINER FINANCE, LLC
State: IL

Complaint narrative:
Personal Finance is reporting an inquire on XXXX  credit report but has been removed from XXXX  and XXXX. I sent the company a dispute letter several times with no response on the issues that they are reporting not on all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, JPMCB - CARD SERVICE add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020 and XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX - XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020 and XXXX. XXXX, 2020, SUNTRUST XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-24 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, SYNCB/PAYPAL add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXXXXXX XXXX  add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On or about XX/XX/XXXX, I reported fraudulent activity on SunTrust MasterCard Prime Awards credit card and requested a replacement card. Upon receipt of my card a new available credit balance was reported to the three Credit Bureaus on XX/XX/XXXX. Although my statement date did not end until XX/XX/XXXX! This resulted in TWO statement balances being reported to the Credit Bureaus WITHIN the statement cycle, resulting in reporting a high utilization and low available credit report BEFORE the XX/XX/XXXX payment due date and before the 30 day cycle. Because this showed that my credit utilization had INCREASED from 32-92 percent usage, all three Credit Bureaus dropped my credit scores by 24-32 points due to this error. I did request correcting this error in reporting to SunTrust on about XX/XX/XXXX and approximately two weeks later, a dispute was filed in my behalf by Suntrust with SOME of my lost credit points returned. In the meantime, my original statement date of XX/XX/XXXX was also reported to the three Credit Bureaus. My utilization as a result of my on-time payment resulted in a utilization of 28 %. However, AGAIN SunTrust reported a 2nd utitlization report to the three Credit Bureaus on XXXX-14 days into the 30 day statement cycle. And this AGAIN, impacted the credit scores of both myself and my 2 authorized users. As of today the impacted score is a 33 point drop! Today, I called card services to make another request to correct this repeated error. However, if the reason for the duplicate statement report is not corrected, this problem will continue to repeat in violation of the Fair Credit Reporting Act. What's more, there is no individual to speak with to resolve this issue when SunTrust is called on its own " 800 '' Card Services number other than customer service reps who have no information to explain or resolve the issue with the same rapidity in which this error occurs. What's more, these error along with the resulting lowering credit scores are impacting my ability to apply for the PPP loan, as well as refinancing my home mortgage. This is likewise true of my TWO authorized users. I request not only that this issue be corrected permanently with the three Credit Bureaus, but that it be resolved within the next 3 business days.

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 2021-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Target is reporting some inconsistencies on credit report. One XXXX  they report 10 late payments, but XXXX  & XXXX only 1 late payment. All 3 credit reporting agncies should have the correct late payments on all 3 reports. There are alot of inconsistencies with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: ME

Complaint narrative:
In XXXX, I received an email from Nelnet stating that my unsubsidized student loans were receiving a subsidy that they were not eligible for and that they had " corrected '' the error. The new amount was shown along with the {$12000.00} of accrued interest they had added. As I was unable to look into this further, I did not realize what was happening with my student loan balances until I began to really focus on my credit and clear up any and all inaccuracies on my credit reports later in XXXX. After getting my credit report completely cleared up and removing most inaccurate information, the only ( and largest ) inaccuracy left was the balance ( s ) showing for my student loans. Somehow, when the loan servicer changed from XXXX XXXX XXXX to XXXX  XXXX, to now Nelnet, the balance of about {$40000.00} ( a total of {$29000.00} in unsubsidized AND subsidized student loans taken in XXXX ) had been inflated with false information and now appeared as two separate loans of over {$55000.00} and {$24000.00}, respectively. I contacted Nelnet via email and phone on XX/XX/XXXX and have continuously been in contact via email and telephone several times monthly since then. Most recently ( on XX/XX/XXXX ) I was told that my prior servicer would have to be contacted to fix the amounts that were now showing, but my prior servicer said that they have nothing to do with how my current balances are being shown and reported to the credit bureaus and it is Nelnet that would have to address these errors. 
In order to more fully prove the issue at hand, I requested a copy of my master promissory note from XXXX when my loans were consolidated. It clearly showed a total of less than {$29000.00}. Even after this, I have been unable to get Nelnet to correct the incorrect loan balances as well as the capitalized and accrued interest they have applied to the vastly inflated principal balance. I have been told to contact the Department of Education ( even though they show my loan information accurately ) and to contact FAFSA, which has nothing to do with an inaccurate student loan balance. I am at the point where I am going to have to hire a lawyer, which is going to take any and all savings that I have set aside, just to get my student loan balances reported correctly and to remove the additional tens of thousands of dollars Nelnet has erroneously added on to my principal balance. I am simply asking for this to be corrected to show my actual loan balance, not the more than {$100000.00} that now appears on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had to pay it late. I need the late fee to be reversed. I am still suffering because of covid. You won't help me with payments, but you can at least waive the late fee. I paid the bill.

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 2021-01-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX michigan changed my child support payments from XXXX XXXX  XXXX  to way2go card yet I was supposed to get a new card by the end of XX/XX/XXXX but never did & had to pay for another which i received on XX/XX/XXXX & by XX/XX/XXXX I already had a fraudulent charge of {$180.00} from some company that has a cust serv # of XXXX that just disconnects. I've wasted over 34hrs on hold with WAY2GO which consists of being hung up on even after I faxed all required documentation to them my acct & card are not accessible to me for my daughter 's needs even almost a full month. They are worse than reliacard & I'd love to change my direct deposit to chime or XXXX since they follow through resolving issues plus they actually answer their email, chats & phones. I will NEVER use this company again!!! The WORST I've ever encountered. Get a prepaid before this POS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: MI

Complaint narrative:
I have been disputing inaccurate accounts with TransUnion for over 8 months. They have provided me with any information about an investigation. I also contacted the creditors and they did not validate any information. My identity was stolen a couple years back, I'm not sure if these accounts are from that or just inaccurate. I have sent many letters providing proof of inaccurate, incorrect, and erroneous information they ignore me each month. 

These incorrect items are ruining my life. I don't know what else to do. 

The accounts below are incorrect. 

1. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX 3. DPT ED/XXXX Account Number : XXXX 4. XXXX XXXX Account Number : XXXX 5. XXXX Account Number : XXXX 6. XXXX XXXX  Account Number : XXXX 7.XXXX Account Number : XXXX 8. XXXX XXXX Account Number : 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 2021-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC
State: CA

Complaint narrative:
Solicitation masked as official government notice about XXXX XXXX. Fake info about XXXX XXXX eligibility bringing about lower rates that magically visit upon the borrower. This is a known scam. 

it is fine to receive an offer to refinance a mortgage, but not to lie and mislead the recipient of the letter that there is an official government program behind the offer, when there is not. 

Company listed as JFQ Lending, IncXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Enterprise Systems, Inc.
State: PA

Complaint narrative:
NES collections continues to send emails sometimes twice a day. With no info to 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 2021-01-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am filing this complaint because I have 2 missed payments on my Capital One credit card that is holding me back from getting approved for housing. I received these missed payments during the pandemic Covid-19 when my family was suffering drastically. I had got laid off from my job and struggled with finding another source of income. This has affected me heavy as I am struggling to make a living for my family. We are XXXX, so please fix this issue as soon as possible. The rest of my pay payments have been on-time out of the 2 years I have had this Capital One card. Also, I have already sent out multiple Goodwill letter to fix this issue. I just want this problem resolved so my family can have a place to call home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: MI

Complaint narrative:
I have been disputing inaccurate accounts with XXXX for over 8 months. They have provided me with any information about an investigation. I also contacted the creditors and they did not validate any information. My identity was stolen a couple years back, I'm not sure if these accounts are from that or just inaccurate. I have sent many letters providing proof of inaccurate, incorrect, and erroneous information they ignore me each month. 

These incorrect items are ruining my life. I don't know what else to do. 

The accounts below are incorrect. 

1. XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. DPT ED/XXXX Account Number : XXXX 4. XXXX XXXX Account Number : XXXX 5. XXXX Account Number : XXXX 6. XXXX XXXX Account Number : XXXX 7.XXXX Account Number : XXXX 8. XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX XXXX continues to send emails sometimes twice a day. With no info to 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 2021-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
I have mariner fianc company which use to personal finance company instalment loan which went to collections. but they are still reporting it and are reporting the balances in correctly. there should not be 3 different balances on 3 different credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I called XXXX XXXX XXXX to schedule a routine appointment. Confirmed by their receptionist that they accepted my insurance. About three visits in I was then told that they do not accept my insurance and I would have to pay for past visit plus this one. I do not believe that is fair to be as a patient to have to pay when I was told not one visit but multiple visit that my insurance was accepted. I shouldnt be held accountable for a mistake made by them. If I was told that my insurance was not accepted I would have went else where. Its the company negligence that cause the miss information and as a company they should not hold the patient responsible and provide better training for their employees to make sure this doesnt happen in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation