vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citibank is lying saying that theres no funds owed to me from an account that they closed but I have all my statements and proof that money was transferred from my account ending in XXXX to XXXX on XX/XX/XXXX for the total of {$270.00}. Additionally at this time I had no access to funds so I transferred money to my XXXX account that was completed but later reversed leaving me account negative since I already spent some of the money. All this reflects on my statements from citi bank and XXXX but yet they continue to say no money is owed to me. I just want my money and interest since my check was supposed to be sent XXXX and its now XX/XX/XXXX. What they are doing seems illegal and reading online reviews they are stealing from customers left and right. The customer service agents are outsourced and its impossible to talk to someone who can actually resolve the issue its like playing a game of telephone and just waiting around. They are playing with peoples lives and its not ok!

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 2023-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Today XX/XX/2023 I went to PNC Bank located at XXXX XXXX XXXX XXXX XXXX IL XXXX to order foreign currency i.e. XXXX XXXX  My goal was to have some cash for tipping for my upcoming trip to XXXX. I was looking to get about {$100.00} USD equivalent of XXXX XXXX I was greeted by the teller that passed me on to the receptionist/greeter to process the transaction. This was odd because this was a teller transaction. 

The receptionist / greeter started to process my transaction and as she was about to submit the {$100.00} USD of XXXX XXXXXXXX the teller who was listening in called out from behind the teller line that PNC does not even process XXXXXXXX XXXX. The receptionist / greeter that was processing the request told her that it is in the system and can be ordered. 

Upon hearing that the teller from behind the teller line started, contradicting her initial statement that XXXX XXXXXXXX is " non standard currency '' and a minimum of {$200.00} USD has to be ordered. I inquired that I was looking only for a {$100.00} USD in XXXX XXXX  mostly for tipping. Upon hearing that the teller looked at her screen and said that its a " non standard currency '' and you have to order a minimum of {$250.00} USD. 

At this point I asked them to please double check as this is the first I am hearing of this that XXXX who is one of the major tourist destinations in the world is considered non standard. I was informed by the teller that she double checked and the minimum has to be {$250.00}. Reluctantly I ordered the {$250.00} USD equivalent of XXXX XXXXXXXX with the receptionist / greeter. 

These limits around ordering a certain minimum amount of foreign currency are no where mentioned on the account disclosures provided ( attachment of account disclosures with this communication ), on the official website of PNC there is a no disclosure or mention of a minimum limit for ordering foreign currency. Snapshot also attached from their website. Here is the link for your reference XXXX XXXX XXXX I feel that I was forced to order more foreign currency than needed so higher amount of profit and markup can be changed as part of the exchange rate. There was no proper disclosure provided to me as a customer at the time of account opening. Nor a disclosure was provided to me that explained these limits of minimum requirements today. I feel this was an Unfair and Deceptive practice. Any reasonable and educated consumer will feel being taken advantage off. Finally, I am also concerned about the Privacy and involvement of this second employee without the request of the employee processing the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
While I was incarcerated funds were transferred out of my account and they denied my claim requesting they be returned. The money was my XXXX school money for my text books.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: UT

Complaint narrative:
I took out this loan for $ XXXX from Sallie Mae in XX/XX/XXXX to pay for prerequisite classes for a graduate program, I was working full time and on the loan selected interest only repayment. 

In XX/XX/XXXX I began an intensive 28 month graduate program ( Physician assistant studies ) this includes 14 months of didactic learning and 14 months of clinical rotations. I requested deferment of this loan and waited the allotted period to hear back from SallieMae, communicating with them on multiple occasions. A representative at SallieMae told me to NOT PAY THE LOAN as they were considering deferment, then to my surprise after 2-3 months, I heard back from them that I was late on payments and the loan would be turned over to collections, all this time thinking I was being considered for deferment. 

I began trying to pay the necessary monthly payment at that time, however I currently do not have income as my graduate program requires us to not work, I am paying out of state tuition and receiving coverage of my living expenses via GRAD PLUS loans, which do not account for some necessary expenses such as car or health insurance. I have made multiple calls to SallieMae requesting alternative payment options, payment reduction, any options on deferment due to special circumstances, etc. My last conversation on Monday XX/XX/XXXX the agent at Sallie Mae explained I had no options to reduce payments or alternative payment plans, they suggested I find someone to help me pay the loan. I do not have friends or family available to help pay the loan or to cosign on a refinancing option for the loan. I am hoping to get help resolving this as I do not want the loan to go to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Hello, I wrote XXXX this letter and they stated to me that there was nothing that they could have done to help me. 

( Dear XXXX, I am writing to explain the late payment that was reported on my credit report in XXXXXXXX XXXX XXXX At the time, I experienced an unexpected financial hardship due to a family emergency, which required me to take time off from work and incur additional expenses. 

Unfortunately, this situation made it impossible for me to make my payment on time. I was unable to secure additional funds through credit or loans, and my limited financial resources were focused on covering basic necessities and medical bills. 

However, I have since regained my financial stability and have made consistent payments, keeping my balance up to date. I have taken steps to improve my financial situation, including seeking additional sources of income and creating a budget plan to manage my expenses effectively. 

I understand the importance of maintaining a good credit score and take my financial responsibilities seriously. I hope that you can take this into consideration and remove the late payment from my credit report. 

Thank you for your time and attention in this matter. If you require any further information, please do not hesitate to contact me at XXXX  I appreciate your assistance in the removal of this 30 day late payment by XXXX in XXXX XXXX XXXX 

Sincerely, XXXX XXXX ) They did not respond to me at all. I had to call the company for them to tell me that they will not remove the 30 day late report to the creditors. Please help me to remove the 30 day late mark on my credit report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am verifying that I XXXX XXXX XXXX XXXX am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: WA

Complaint narrative:
I was stuck in Florida and bought a NetSpend card at a Love 's truck stop because I needed to get an XXXX to the airport the company refused to activate the card told me to call back on Monday so I then walked the XXXX MI half of it that night and then the next morning after spending all night on a bench at a bus station bus the rest of the way to the airport almost missed my flight when I returned home I contacted NetSpend and asked them why I could not be activated they still have not given me any reason besides I can not validate and address for an old account which I had XXXX to XXXX years ago they made no effort to give me back my money the amount of distress that I went through is unimaginable I starved for almost 2 days because I put every dime I had on that card thinking that I would be able to use it and it would be safe all they do when I call is past me around from representative to representative and basically tell me that I receive my money when they decide to release it

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-23 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: CA

Complaint narrative:
I XXXX the Consumer has attempted to resolve the incorrect and inaccurate information reported on my consumer report and have no success. They are in violation of subchapter of FCRA15 U.S. Code 1692g - Validation of debts they have yet to validate any of these alleged debts, they are in violation of15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

they have yet to provide me with a copy of my written instruction. they are also reporting alleged late payments which is in violation of FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 explanation
Consumer complaint received 2023-08-23 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: NY

Complaint narrative:
Am Having a Problem with Chime Account for some reason Purchase Something From XXXX {$110.00} and i return the item back to XXXX and They Received it back and i still havent gotten my refund for this transaction I contacted XXXX about this Issue and They confirmed they received the item back and it also shows on the tracking that the item was delivered back to XXXX XX/XX/2023 and XXXX Still Hasnt done anything about this and i contacted chime and filled a dispute and show for this transaction and chime still hasnt resolved my claim or do anything and i provided chime item return delivery tracking number for the return of the item and also screenshot of the return being received by XXXX and XXXX still hasnt responded to my claim : XXXX XXXX Tracking Number For the Return : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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 reached out to experien many times to complain and to remove 3 inquires that i did not authorise and still have not done anything or removed them.

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 2023-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: NM

Complaint narrative:
Notified by debt collection agency PROCOLLECT regarding an effort to collect on a utility account with XXXX XXXXXXXX The account was fraudulently opened using my credit information and is the fifth originated with a Texas utility in the past year. I've contacted XXXX I've never lived in Texas nor contracted with a Texas utility services provider. I have answered to the requests by XXXX to provide proof of identity as well as attempted police report filing. My requests of ProCollect have gone unanswered despite MULTIPLE, proven receipt attempts and I have been treated VERY POORLY by their representatives during follow-up conversations. The latest conversation ( XX/XX/23 ) regarding the police report filed : NM  wont fully process because incident occurred in TX and TX wont accept because I dont live in TX XXXX Attempted to explain this to ProCollect but it was unaccepted, and I was treated EXTREMELY rudely. ProCollects efforts I now consider inappropriate, unprofessional, and abusive as compared to another collection agency I worked with to resolve the previous fraudulent accounts. I have also contacted respective credit bureaus to revise and freeze my reporting and am currently in contact with XXXX XXXX to assist in resolving. XXXX has since resolved this issue. This appears to be the result of the XXXX data breach.

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent a letter regarding fraudulent and unknown inquiries on my credit report to this day over 39 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 39 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me. My information has been impacted by the recent XXXX data breach and may have gotten compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: V and H Portfolio
State: CA

Complaint narrative:
A company listed on credit report as VANCE and Huffman LLC has sent out a debt collection notice to me trying to get XXXX dollars from me. I never took any sort of credit or loan from any company under this name and with me having a near perfect payment record it was absurd hearing of this out of nowhere, then threat of legal action towards me and attempts to seize assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: CA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX0. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT

Company response to consumer: Closed with non-monetary relief