vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PNC Bank N.A.
State: NY

Complaint narrative:
XXXX XXXX In XXXX XXXX  I received a solicitation call from the individual listed below asking me if i need any help with my business. I explained that i was interested in purchasing a property but as it was commercial i dont think they can help me. The Individual stated that they do commercial loans but its rare. She requested that i send her as much information that i have about my finances including an executive summary i completed. On XXXX XXXX she stated that she is in receipt of the info and that she would be in touch. I have tried several time to get in contacted by email or call. she is slow to respond, and she stopped calling altogether. I also was contacted by a " branch in NY '' asking me if i was being helped but frankly i started to think i was being scammed and i sent her all my info, including that of my spouse. The last time i called it forwarded the email to another person because she was on vacation. However since I dont have an official application i didnt think he could help me. 

Vice President Business Banking- Relationship Manager PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX PA XXXX P : XXXX F : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: AK

Complaint narrative:
I am getting repeat calls everyday sometimes up to 3 times a day from midland credit. They call me everyday XXXX XXXX XXXX, even though I have asked then to stop calling at that time and, to stop contacting me all together. They do not stop. It has been months. I have a XXXX XXXX  and their calls disrupt our sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XXXX XXXX I made a purchase to upgrade my operating system as I was having issues and the only fix was to upgrade so I purchased XXXX XXXX XXXX  for the amount of {$2.00} from Company name XXXX and this happened to be a side bar advertisement so I decided to give it a try. Purchase was made and email confirmation was sent all was good. So I followed the instructions that was detailed in the e-mail which included the authentication product XXXX XXXXy to activate XXXX I proceeded and all went well until the next morning I tried to get on my computer and the hard drive was making funny noises and didn't sound good... So I was able to get my computer up and running but for some reason I ended up purchasing another copy of XXXX from the same software company XXXX which was on the XXXX XXXX XXXX XXXX for the amount of {$3.00} and same process got email confirmation and receipt of my purchase and everything was good computer was running perfect for what I thought until somehow I started to see a bunch of files scattered all over the place from XXXX XXXX and clips of the XXXX XXXX XXXXXXXX XXXX to a bunch of other pictures I would never in my life ever search for on the internet let alone download or save to my computer, then the system completely crashed and hard drive ended up completely fried and not useable. Well on the XXXX or XXXX of XXXX I was going thru my checking account statement and saw a different amount had cleared my account so I immediately called my bank to dispute the charges. The two transaction amounts that cleared were for the amounts of {$52.00} and XXXX and posting date was Sunday XXXX XXXX XXXX So i opened up a dispute for both charges and was given a credit for the two charges and then the same credits were reversed out of my account as I was told there was no error occurred, but there was a huge error that had occurred and I submitted supporting documentation with the dispute to prove the incorrect amount cleared my account and these charged needed some serious attention to be fixed. I was told there was nothing I could do about the charges and that there was no error on the financial institution side and I even attempted the get the charges fixed by contacting XXXX directly and got no response. So I was left with extra charges and not to mention a computer that was no longer useable so I have been sitting trying to figure out who I could contact to get help with this issue as its stealing and definitly not a way of doing business. So I am trying to see what I can do about these unresolved charges that I should not have to take a loss on considering my bank should have fixed the errors that had occurred with the amounts that I was charged being significantly higher then what I purchased the software for which is listed on my receipts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-18 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: MD

Complaint narrative:
THEY DID NOT VALIDATE THE INFORMATION ITS FRAUD ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
I rented a vehicle from XXXX XXXX XXXX  They are accusing me of causing {$750.00} worth of alleged damage to a rented vehicle. Any and all scratches, or other damage to the rented vehicle was already present at the time that they rented the vehicle to me. I do not know what the dates are because they will not respond to any of my requests for information. I have been requesting this information for more than a year. As a member of their rental program, I rented from them often in various states. All of the vehicles that I rented were covered by my insurance company, XXXX, so there is no reason for me to damage a vehicle and not file a claim, if I did any damage, which I did not. 

I have also requested from the Radius Collection agency the same information and they said they have requested the information from XXXX, who has not provided the proof as requested.

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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I first attempted to create an account on the XXXX website XXXX I input all of the information they requested : full name, date of birth, entire social security number, address. I then answered all the questions that were asked. But, still, I was denied access to my credit report. 

The last time I tried to gain access to my credit report was XXXX XXXX XXXX  Again, I input all of my personal information, and again denied access to my credit report. 

Many consumers online are reporting the same issue. 

Not only am I being denied access to my credit report, now, XXXX has captured all of my personal information, and I am unable to opt out of the sale/disclosure of this information. 

Since XXXX has denied access to my credit report, XXXX should not have captured my information. My only intent in attempting to create an account is solely for the purpose of accessing my file. Since I am being denied access, I would like to ask XXXX to provide me with a disclosure of the information they have collected and a process to opt out of the sale/sharing/disclosure of my personal information that I unintentionally provided. However, I can not do this without being allowed to create an account. 

If XXXX is going to capture a consumer 's information with the risk of not gaining access to the consumer 's file, XXXX should place a warning on their website alerting the consumer of this risk. 

Furthermore, the consumers ' information belongs to the consumer. Anyone whose information was captured in such a manner, should have an easy process to manage or delete that information they inadvertently provided. 

So, I am asking the CFPB for assistance with being able to manage how the information XXXX obtained from me is used, and assistance with gaining access to my file. 

I have accounts with the other 2 bureaus. So, all the data I input into XXXX 's website is accurate.

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 2023-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I opened a new account with Chime. I then downloaded the mobile app and funded the initial deposit with {$200.00} via my XXXX XXXX  debit card. No problems so far. I then initiated a transfer of {$4000.00} from my XXXXXXXX XXXX  checking account to the new Chime account. They thought that this was suspicious so they froze my account and locked me out. Even though they thought that this was suspicious they went ahead and took the {$4000.00} from my XXXXXXXX XXXX account. I got an email from them stating that they need more documentation. I have sent them that documentation numerous times but almost immediately I get an email back saying that I need to send them the documentation, which I just did. I have called several times and asked to speak to the Member Protection Team. I have been told I cant speak to them I can only email them but when I do I get the same canned response. They wont let me talk to anyone else they will only tell me to email them. It is just a continuous circle where they dont give me any workable options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not authorize the following credit inquiries on my transunion credit report. 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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This company has violated my federally protected consumer rights. The company have 2 inquiries reporting on my credit file that they said were deleted and they are still there. I will provide the original confirmation number as a document.

15 US Code 6802- states that a financial institution may not directly or through any affiliate, disclose to a non affiliated third party any non public personal information unless financial institution provides or has provided to the consumer a notice that complied with 6803 of this title.

15 USC 1681 Section 602 A states I have a right to privacy.

US Code 1666B states a consumer reporting agency should never consider a credit card payment as late under an open end credit consumer plan for any reason. 

Those accounts reporting late are : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I have successfully filed a lawsuit against XXXX and XXXX. Now I will be filing against Equifax if no action is taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate Account Number : 9871 under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX I didn't provide permission for this account to be reporting to my credit report please remove or i will seek legal compensation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion : My name is incorrect on my credit report. My name is XXXX XXXX XXXX. The address listed on my credit report or incorrect. The only address that should be on my credit report is XXXX XXXX XXXX XXXX, Georgia 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 2023-11-18 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries were not authorized

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 2023-11-18 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
CITIBANK NA., BEST B XXXX XXXX XXXX  CITIBANK NA, WAYMC XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries were not authorized

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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is incorrect on my credit report. My name is XXXX XXXX XXXX. The address listed on my credit report or incorrect. The only address that should be on my credit report is XXXX XXXX XXXX XXXX, Georgia 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 2023-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Aidvantage is has recently taken over my Federal Student loan payments and it has been a stressful situation. I paid on time XX/XX/XXXX {$100.00}. I received an email payment has been received. Weeks later I received an email my loan payment is late. I check my aidvantage account it stated reversal. My bank account has the sufficient amount of money. Icalled multiple times waited hours on the phone during my work day 2 hrs. I never get through to anyone as well their operation hours are normal working hrs no extension XXXX etc. On XX/XX/XXXX I paid {$200.00} XXXX ( repaying ) and XXXX payment ( my due date is XXXX  ). I paid to ensure no default because I am on an income base repayment plan. As of today it states I no longer can be in the program because I have defaulted on my loan. I always pay my loan payments with previous owner of my loan monthly prior to XXXX. This impacts my credit and my life circumstances. Aidvantage is taken advantage of their consumer to create more interest and higher payments when default on income payment plans. 
I have sent two emails XXXX no response and XXXX I do not know why the banks states reversal when I have sufficient funds and the Bank information is correct. 
Pleased support in this matter at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
There apparently was a rental debt from over a year ago, I told them that I was not the one who applied for the apartment and they didnt listen. My daughter clarified that the debt was for a refundable fee from the apartment and that she had emails that it should have been cleared. He didn't listen to her and forced her to pay anyway and stated The person who told you that probably doesnt work there anymore anyway. He gaslit her and said he was in the process of moving and thats not how this works. Overall, very disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: NH

Complaint narrative:
I had a account with Chime bank. My purse was stolen this past XXXX. I called Chime to cancel the card. They were going to issues a new card. I asked them to wait because I was in the process of moving. ( I did give them all the information they requested. I also sent copies of my change of address, pictures of my mail with the new address and my I D. Which they requested as proof. As this was all on going ) Next thing I know they sent another email stating fraudulent activity multiple accounts? I only had one account. My Social Security check went to chime XXXX. It got into a heated argument because they were supposed to expedite my check but it's been 3 months of lies and numerous phone calls and over XXXX emails. I still haven't received my check. They have had me jump through hoops. I gave them all the information they requested and I still haven't got my money back. I tried to find a number for the XXXX XXXX XXXX every phone number is the same and it only puts you in contact with the representatives. I have been arguing with them since XX/XX/2023. Every email I get is a roller coaster ride and lies. 
Please help I'm at my wits end with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I received my 1st bill from XXXX student loans stating that my loan was past due and I already owed them 2 loan payments. This was the XXXX letter I received and it also had late fees. I attempted to contact them several times and spent hours on hold. Yet I could not get through. Also listed where my alleged loans but it appeared like they were doubled then what I had ever received. less then a week later received a XXXX letter that I am now 3 months behind and over {$600.00} is owed. Please help! I can not afford this, especially when they have some how doubled my loans I don't want to start paying them when it is not right but I can not get ahold of anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
My original servicing loan provider sold off my loans to Aidvantage this past summer in XXXX. I have not been able to resolve outstanding problems that I was experiencing with my original service provider before my loans were sold to Aidvantage. Since Aidvantage has become my service provider, they are unable to help with my former issues and they have not provided resolution to my concerns about payments. At this time Aidvantage has not provided me the transparency and payment detail of how my monthly payments are being applied, how interest is being calculated, and how additional payments that I am making are being handled ( i.e. is this applied to principal before next monthly calculations )? To not have transparency or understanding the math behind their payment calculation is raising concerns with being overcharged with interest and not getting the benefits of paying down principle with additional payments. I have made multiple inquiries in the past couple of months and no one has provided me a response. I do not want to not pay my monthly payments and further incur higher interests, but I am a captive to their lack of response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CarMax, Inc.
State: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation