vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA

Complaint narrative:
Main complaint : Monthly service fee of {$29.00}. 
What happened : 1. I opened a business checking account around XX/XX/XXXX and initiated a bank transfer or XXXX immediately, which the money deposited around XX/XX/XXXX. A few days later i received my debit card, i tried to use debit card and the card is not working. 
2. After several calls with the customer service rep of trying to resolve the debit card issue, I was told that my account is dormant and they need to remove the dormancy status. The rep left a voice mail from the number ( see attached ). ( Later this turns out this is the rep 's mistake ) 3. After a few days - the card is still not working. I called again. and this time i was told, my business debt card was INCORRECTLY attached to my ( previous ) existing personal checking. In the personal checking account due to no transactions and it's marked as dormant. Because of this mismatch- my business debit card was not able to use. They eventually get it fixed. 

Fees : 1. On XX/XX/XXXX, i see a few of {$29.00} getting charged to my account. The account has 2 ways to waive fees : I called the customer service and i was told that because i am not able to meeting fee requirement. 
2. On the website it says 2 ways the fees can be waived : {$1500.00} or more minimum daily balance in this account, or {$5000.00} average daily balance in this account 3. I talked with the customer service rep that for two reasons that i think I should NOT charged the fee Reason A : The debit card was not able to use, thus, the bank failed to fulfill the service obligation. 
Reason B : I immediately deposited XXXX into the account after account opening ( to meet the requirement ). The customer service says because the money takes a few days to transfer - during this window the account has a lower than threshold balance thus I'm being charged. I argue that this is a fatal flaw- for every customer who opened their account online. As i do not think at account opening there's a way for me to deposit XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Request Exchange on Debts Due to XXXX XXXXXXXX 

To Whim It May Concern : I have been dealing with XXXX XXXX since XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, and I am XXXX XXXX XXXX  There is simply no way I could keep a job and support a credit history. So, I respectfully ask that your institution write off permanently the credit card debt that charged off in XXXX XXXX XXXX XXXX 

As you know, in past few years, the citizens of the United States suffered through a deadly pandemic the likes of which our nation has not seen in over one hundred years. Crippling fear and an abundance of caution resulted in government-imposed shutdowns, curfews, and moratoriums, which prevented millions of Americans from working and conducting their business and pushed many thousands of businesses to fire their staff and, endured the indignity of having to close their doors for good. This devastated the economy, drained peoples savings, forced millions of consumers into insolvency, and destroyed their previously good credit ratings. In the post-pandemic, the country has not fared much better. Unable to find workers, a great many of the businesses that managed to cling on by the skin of their teeth and survive the nightmare that was COVID -19, found that perseverance and determination are not enough. Exhausted, demoralized, and out of options, they too had to shutter their businesses and experienced the heartbreak of financial ruin. Unsurprisingly, bankruptcy filings are near an all-time high. 

I would like to work out this matter without any costly litigation or unnecessary protracted court procedures. In lieu of any current long-term indebtedness, I am respectfully asking for a 1099-C Exchange that I believe will benefit all parties involved. This requested 1099-C Exchange will clear the business between the parties, allowing me a fresh start. Any debt that I owe is canceled, forgiven, or discharged, and in this way becomes taxable income to me. Your institution receives a true write-off for a debt that was likely previously deducted in your prior 10-Q SEC filings. A win-win!

Please respond in written form only through the Consumer Financial Protection Bureau ( CFPB ), or directly to my email referenced above. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of america call me a XXXX saying I'm not was in hospital but I did till XXXX when I sign up it say to get XXXX points and XXXX XXXX XXXX  but bank of america give me hard time when I was XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  they give me alot of stress but I want my XXXX and that XXXX  points that all

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 2023-10-16 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: TX

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 acceptance now

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 2023-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I found out that there are 2 debt collections and credit card accounts under my credit report which are not mine. So I contacted all 3 credit bureaus ( XXXX, XXXX and XXXX ) and also all the credit card company and debt collections. The thief used my identity opened accounts : 1. Midland Credit Management : {$610.00}, date opened on XX/XX/XXXX. XXXX. Midland Credit Management : {$500.00}, date opened on XX/XX/XXXX. XXXX. XXXX 's : {$1300.00}, date opened on XX/XX/XXXX. XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX I have read the recent release copy of my credit report today and I still noticed that they still kept furnishing XXXX XXXX- XXXX XXXX there which was already completely DELETED under Experian 's record. This account was removed on XX/XX/2023 and I was expecting that XXXX would also do the same thing as they're both reporting to only one furnisher, right? I just dont understand why theyre still posting an inaccurate account that supposedly should never have been in my record in the first place. 

I also want this other misleading and inaccurate account be OMITTED on my record as soon as possible XXXX XXXX - Account # : XXXX as I dont recognize this one as well. I just want these accounts to be completely removed so that only those accurate information will be left and reflected on my credit report. I would appreciate it if you'll finally resolve this concern I have had for several months now.

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 2023-10-16 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-16 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-16 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: TX

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 2023-10-16 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
There has been a back and forth between myself and multiple agencies reporting a bankruptcy on my credit report. At this point all parties are responsible for the negative impact this reporting has had on my life. I am not against filing a lawsuit against any and every company that has unlawfully obtained personal information and published it without my permission. I am disgusted at how easily Experian has ignored my letters demanding they remove this information, and frankly alarmed. I know there is a standard set by the FCRA and that Experian has clearly violated many of those standards. Simply put, this is not right. As an educator for the past 30 years, my main mission is to teach my students integrity and honesty. I will no longer ignore Experian 's blatant disregard for the law and demand they remove this bankruptcy from my report before legal action is taken.

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 2023-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Spring Equity LLC
State: MD

Complaint narrative:
Our mortgage was COVID impacted. So, our mortgage lender, XXXX XXXX XXXX, performed a full loan modification. Spring HQ insisted to our points of contact at XXXX XXXX XXXX that we have either a lien on our mortgage or balloon. Both are not true. The amount in question is {$9000.00}, which is not interest bearing. XXXX XXXX XXXX put that amount on the backend of our loan. Spring HQ required satisfying the {$9000.00} and charging us 10.875 % interest on the {$9000.00}, which reduced the {$77000.00} HELOC to {$67000.00} ( net cash from borrower {$64000.00} ). XXXX XXXX XXXX charges no interest on that amount and defers it to the end of the term. Spring HQ 's arbitrary rule works like a penalty and profits from money that's not theirs to collect interest on. I am including two attachments, one that shows the terms or our full loan modification with XXXX XXXX XXXX ( at 4 % ) and the other 45 pages of terms we signed for the HELOC with Spring HQ. Please contact me with any questions. Thank you, XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and distress

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 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
was on the phone with chime regarding a {$6.00} charge to dispute it was transfered to someone who said he would walk me through the steps to dispute the charge and my account would be credited i was asked to confirm the amount in my savings and checking account and told how to request the XXXX payment be replaced and i remember all the steps i was then told to log out of chime the log back in and the {$6.00} would show as credited back to my account the representative asked me to log out and let him know when i was out of the chime app i did so and the representative hung up the phone when i logged back in my savings and checking accounts were emptied i notified chime and was told it would be treated as a dispute but the claim was denied even though it was their representative who stole the money from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXXDate OpenedXXXXBalance {$310.00} & Date Opened XXXXBalance $ XXXXIdentify thief i advise them this wasnt me and disputed CAPITAL ONE-XXXX XXXX Balance & XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance. {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX  $ Police report was file when my SS and passport was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-16 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: MN

Complaint narrative:
My attorney has asked in writing as well as myself to install a credit freeze with Equifax and they are consistently sending paperwork either requesting redundant information or not confirming the freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have read the recent release copy of my credit report today and I still noticed that they still kept furnishing XXXX XXXX- XXXX XXXX there which was already completely DELETED under XXXX 's record. This account was removed on XX/XX/2023 and I was expecting that TransUnion would also do the same thing as they're both reporting to only one furnisher, right? I just dont understand why theyre still posting an inaccurate account that supposedly should never have been in my record in the first place. 

I also want this other misleading and inaccurate account be OMITTED on my record as soon as possible XXXX XXXX - Account # : XXXX as I dont recognize this one as well. I just want these accounts to be completely removed so that only those accurate information will be left and reflected on my credit report. I would appreciate it if you'll finally resolve this concern I have had for several months now.

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 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

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 2023-10-16 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed Account : XXXX XXXX XXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation