vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX has reported that I have an " open account '' with XXXX XXXX a 3rd party collection agency that has a loan or account that originated from XXXX XXXX. XXXX XXXX posted the balance as XXXX and the highest balance as " XXXX. '' I don not have a balance with this company or a contract with them. I do not live as the address they posted. I was informed of this collection on XX/XX/22 and asked them to validate the information and I disputed to XXXX. XXXX has done nothing except give them my address, which I did not authorize them to do, I sent proof of my address - bank statement which they turned around and gave to this 3rd party. The information is INACCURATE and should have been deleted instead of providing them with my address to repost a new debt. This has lowered my credit XXXX points and now I will be in a difficult position to obtain a mortgage, and the information is inaccurate and violates my rights. It should be deleted immediately. I will lose my option to purchase a home.

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 2022-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: MI

Complaint narrative:
I was told owed money to a hospital but was not informed why I owed this money. They state the debt has been owed since XX/XX/2021 but I need to know what debt they are referring to because I am unaware of any debt that is over a year old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: KY

Complaint narrative:
I had made a purchase for {$280.00} on XX/XX/2021. I never received my items. 2-3 months later I sent Chime proof of my tracking number and proof that my tracking order still had not shipped. They told me that I did not have a sufficient evidence to solve my dispute. So then I reached out to the seller she sent me a screenshot of her proof that my money was refunded to my bank account but yet to this day I still have not received my money back. I then sent that screenshot to Chime and they told me that was still not sufficient evidence to solve my dispute. I have ordered from this merchant before so I do know that she is telling the truth and I would just like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I did not receive notification that there was any sort of serious issue, or that my account needed immediate attention or that my account was going to be permanently closed due to nonpayment. I have tried reaching out to capital one and all they will keep telling me is that they sent me emails, the only email I have is notifying me of a returned payment, which I then re submitted the payment. I received one text message asking if I had recognized a payment, I didn't and told them no, all that text says is that they are going to temporarily stop my card, report and send me a new one ... .. That's all ... .. nothing about completely closing my account, which affects me negatively!! I have always made my payments!! All capital one wants to tell me is that they have policies and procedures, I understand that but there wan not effective communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I was attempting to sell an item on XXXX XXXX, and was contacted by a buyer ( XXXX XXXX ) on XXXX XXXX on XX/XX/XXXX. He sent me {$220.00} through XXXX for the item. I got an error that said my account has been limited and not a business account so the money couldn't be credited and I had to send the buyer {$200.00}. The email address he provided was XXXX and the XXXX alias used was XXXX XXXX. The " buyer '' asked for screenshots of my transactions. He repeatedly tried to call me using XXXX XXXX. I did not answer these calls, as I was at work. I was told I needed to send him {$300.00} extra to further verify my account which I did. 

Then, I was asked to send {$500.00} MORE, to another email address : XXXX. I did not send this amount. I blocked the seller from sending any further messages. 

I called PNC that day ( XX/XX/XXXX ) to report the scam. They told me they could not do anything until the money was actually deducted from my account. I called back on XX/XX/XXXX, after the money had left my account, and formally filed a dispute. 

I also filed a police report with the XXXX XXXX Police Department, and a complaint with the FBI XXXX XXXX XXXX XXXX. 

I received a letter from PNC, dated XX/XX/XXXX saying that my dispute has been denied. 

I believe I am protected by the Electronic Fund Transfer Act. In XX/XX/XXXX, the Consumer Financial Protection Bureau clarified its position on banks ' required compliance with the Electronic Fund Transfer Act of XXXX, also known as XXXX XXXX The CFPB says that " if a third party fraudulently induces a consumer into sharing account access information, '' that consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking " access device. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: PA

Complaint narrative:
I am writing to delete the following information in my file, the items i need DELETED are listed in the report. I am a victiim of identity theft and it is damging my livlihood. I demand that you remove these items from my consumer report. I also reported the theft of my identity to the Federal Trade Commission & enclosed copies of the Federal Trade Commissions identity theft affivdavit. Remove these items immediatly or my attorney will be involed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have received an " Adverse Action Notice '' of unable to extend credit for Loan requested {$5000.00}. However, I did not apply for this loan. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV XXXX, Phone XXXX have sent this notice to me dated XX/XX/2022. 

Since I also had array of charges on my 3 credit cards between XXXX, XX/XX/2022, my XXXX XXXX card was charged {$320.00} from XXXX. I have {$260.00} Pending charge from XXXX on my XXXX XXXX card. I have {$370.00} charge from XXXX on my XXXX XXXX XXXX  XXXX Card. All three charges were not authorized by me. 
I do not want to contact XXXX XXXX XXXX by phone to give any more personal information. I will write to them to deny any application submitted with them and ask them to remove the inquiry on my credit 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
Consumer complaint received 2022-07-06 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: TX

Complaint narrative:
This is reported with inaccuracies. It's reported 3 times. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 


Show less Item name XXXX XXXXXXXX XXXX TX XXXX Identification number XXXX Claim amount Not reported Date filed XX/XX/XXXX Status XXXX XXXXXXXX bankruptcy dismissed. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX On record until XXXX XXXX Liability amount Not reported Date resolved XX/XX/XXXX Responsibility Individual Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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:
This is reported with inaccuracies. It's reported 3 times. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 


Show less Item name XXXX XXXX XXXX  TX XXXX Identification number XXXX Claim amount Not reported Date filed XX/XX/XXXX Status XXXX XXXX bankruptcy dismissed. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX On record until XXXX XXXX Liability amount Not reported Date resolved XX/XX/XXXX Responsibility Individual Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/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 2022-07-06 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: RGS Financial, Inc.
State: TN

Complaint narrative:
RGS financial has not provided me with any receipt of settlement payment 2 weeks after I paid {$2000.00} to settle an account. I have called mutliple times to request a copy with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: CommonBond, Inc.
State: IL

Complaint narrative:
On XX/XX/2022 I applied as was approved for and signed for a loan. At this point, the loan was sent to my school ( XXXX ) for certification ( email attached ) In XX/XX/2022 CommonBond exited the student loan industry. I was concerned that my loan would not be funded given the rising interest rate environment. On XX/XX/2022 I reached out to the company to ensure my loan would be funded. On XX/XX/2022 the company affirmed that since the loan was approved pre-exit it would be funded as soon as my school certified the loan ( email attached ) On XX/XX/2022 my cost of tuition was certified by my school and and I received a " Welcome to the Family '' email from Commonbond ( emails attached ). 

However, upon trying to access my documents on the CommonBond website, I am taken to a page stating they are no longer providing student loans with a link to a partner. 

I reached out to CommonBond for clarification and they not state they are no longer able to disburse my loan even though my school has disbursement dates confirmed in their system ( emails attached ). 

I believe this violates UDAAP regulations as it will cause me substantial harm without funding and with potentially higher costs, I forwent rate shopping based on their approval and more importantly the explicit promise of disbursement, and I was not reasonably able to avoid these injuries due to their assurances

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I referred a friend for a SoFi banking account based on a promotion where we both would receive {$15.00} and I would receive {$25.00}. 

My friend completed all requires steps of creating a login, opening, and funding the account. However, a referral bonus did not post.

After discussing with an agent, I was told that Sofi decided to end the promotion early and that they were not currently paying out bonuses. I informed the rep that I met the terms before the promotion ended and they were unsure if the promotion would be paid. I was told a complaint would be filed on my behalf but never heard back. Today on XX/XX/XXXX, I reached out to Sofi again and they told me there were no longer any referral records or tickets logged on my account. They appear to have never investigated this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: MS

Complaint narrative:
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


The bureaus did not remove the previous late payments and permantly close the account which is harming me and causing injury.

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 2022-07-06 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: TX

Complaint narrative:
CREDITOR. XXXXXXXX DEPT OF ED Please see comments. 
This account has never been in dispute. I never had problems paying and paid it off early.

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 2022-07-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a edd card some charges were made I did not make I tried to fix going on 6 mouth dealing with this ro my understanding some conpctped a card to my account transfer money to other account I told them.i did not do this I got dined 6 times now I even asked to take card off took them 4 mouths to take off even now I can't get back I had to go in to bank to verify who I was when money was transferred but this was XXXX XXXX so I had to wait 2 days the mounts were XXXX XXXX XXXX dollors in total the transfer to other accont bank america edd

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 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
FEMA sent my mother 's funeral reimbursent to my girlfriend 's Account at Rockland Trust because I did not have an account at the time. The money was paid to me and sent electronically XXXX XXXX checking account ( see attached payment details for bank info. ). We went to the Rockland Trust Branch located at XXXX XXXX XXXX XXXX XXXX MA XXXX to withdraw the money and were told that we could not withdraw it because it was payable to me and I was not in her account. We requested that the money be sent back to FEMA for them to issue a check instead. The customer service person at the bank told us that we needed to contact FEMA for them to stop the payment before the money could be sent back. I'v been dealing with FEMA since XX/XX/2022 and filed a Stop Payment Form ( pease see attached ) Only two weeks ago, I was informed by Agent XXXX badge XXXX XXXX that all I was told was wrong. He stated that FEMA staff are not well trained on this topic and FEMA can not stop payment on electronic payments. He stated that the bank should've sent the money back when it realized it could not process the funds, but more importantly they should have sent the money back when they were asked to return the money by the account holder since it is not her money and certainly not Rockland Trust 's money..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My husband and I have an XXXX  Account that we haven't been able to use for a few weeks now and we do have money in our account. we have tried to call them several times and the response is always " the XXXX  department is not available please leave a message '' We leave messages and they never call us back. We need to pay for health appointments and we always use this card and now we have no way to access this XXXX  Account We need help. On the upper left side under the XXXX  it says A Division of Webster Bank. N. A This is a Debit XXXX card. The # in the back is XXXX or XXXX. Lower right back of the card has a little star in a square with XXXX under the star In the bottom of back of card in small print it says This card is issued by XXXX XXXX  pursuant to a license from XXXX XXXX XXXX XXXX XXXX. I hope you can help us resolve this issue. Thank you XXXX XXXX XXXX My email is XXXX My husband XXXX XXXX also has a XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Many hard inquiries have recently been reported on my newly established credit without my knowledge or consent. It is really impeding my ability to obtain financing, or even get small approvals. I have attempted to contact these companies via phone and email and no proof has been shown that I, myself, was the one who opened the accounts. Please remove them immediately after investigating. 

XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX & XX/XX/XXXX - Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are all companies that should not be on my hard inquiry XXXX account because I did not consent.

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 2022-07-06 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: Global Lending Services LLC
State: GA

Complaint narrative:
Many hard inquiries have recently been reported on my newly established credit without my knowledge or consent. It is really impeding my ability to obtain financing, or even get small approvals. I have attempted to contact these companies via phone and email and no proof has been shown that I, myself, was the one who opened the accounts. Please remove them immediately after investigating. 

XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Global Lending Services XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  These are all companies that should not be on my hard inquiry XXXX account because I did not consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: SC

Complaint narrative:
PNC Bank required me to open up an account with them in order to close my HELOC. XXXX XXXX Loan Processing Analyst Sr ( XXXX ) XXXX # XXXX was my direct contact person. In XXXX was required to open four different accounts in order to receive a {$400.00} new client bonus. 
I contacted the company a few months later and they gave me the runaround. Stating I wasn't a new customer, because they merged with BBVA Compass. And I wasn't eligible for the new customer bonus. 
The merge was not complete at the time. I was reluctant to open an account with them, however, I was up against a rock and a hard place. 
I tried to reach out to the Branch I opened my account with, they gave me a customer support number to call. 
I spoke to XXXX XXXX at @ XXXX to try to handle the situation. She gave me the same spill about me not being eligible. We exchanged some not-so-pleasant words and I told her that I was going to be closing my accounts with them. 
A couple of weeks later I received an email from XXXX XXXX XXXX. I reached back out to her three different times and I have never heard back from her concerning my complaint. 
As a customer, I want what was due to me at the time of my opening of four accounts that I had no need for at the time.

Company response to consumer: Closed with monetary relief