vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UHG, LLC
State: VA

Complaint narrative:
I do not recognize this that I do not hold this amount of money to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Hello, On XX/XX/2023, Navient withdrew {$970.00} from my checking account without authorization and notifying me of this withdrawal. This payment caused my checking account to be overdrawn, and my husband and I are going into the weekend without a dollar to our names. Our bank will also charge us {$35.00} a day in overdraft fees. I was given an estimated date of refund of XX/XX/2023. So, we will be charged {$350.00} in overdraft fees by our bank because of an error that Navient made. I called to try to rectify this situation. I was told that no managers were available to take my call, and I was spoken to very disrespectfully by an employee named XXXX XXXX. She was dismissive and unhelpful to me. I was crying on the phone, as we are supposed to travel this weekend to see my father for XXXX XXXX  XXXX, and we will not be able to do that now because we have no money for gas or a gift. I am also in school and have successfully processed an in-school deferment for my private student loans. I have all of the documentation to prove this. Navient should be forced to refund the {$970.00} immediately and cover my {$350.00} overdraft fees. They DID NOT have my permission to withdraw this money from my checking account, NOR did they notify me of this payment. It was snake-like and deliberate. I have been dealing with this company doing things like this to me for 18 years, and I refuse to stand for it anymore. I demand my money be refunded, and my fees be covered. I will not drop this case until it is resolved to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I AM A VITCIM OF IDENTITY THEFT. I HAD NO KNOWLEGDDE OF THESE ACCOUNTS. THESE ACCOUNTS LISTED ELOW WERE OPEN FRAUDELENTLY. 


CAINE & WEINER # XXXX Balance {$500.00}. 
XXXX XXXX & XXXX # XXXX. 
XXXX XXXX # XXXX Balance {$2100.00}. 
XXXX XXXX # XXXX Balance {$24000.00}. 
XXXX XXXX # XXXX Balance {$84.00}. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX. {$2500.00}. 
XXXX XXXX XXXX. Balance {$3300.00}. 

ATTACH TO THE COMPLAINT IS MY IDENTITY THEFT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX & Acct XXXX, has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

--

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 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Professional Placement Services, LLC
State: WI

Complaint narrative:
The amount for {$290.00} was sent to a collection agency name ( Professional Placement Services. ) This was a indirect violation of the fair credit reporting act. They do not have or sent me a Original copy of this account. Immediately I will like for this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Spoke to lender and they say the case was already cancelled by them. Tried to contact Experian and could not log in. Even when they reset my account and sent me a temporary password could not enter account. Therefore can not put a freeze or credit dispute. Tried by telephone to add information and they transferred me and it hung up. So unable to access credit report, their online site, add a dispute or even pull my credit report at this time. 

They are definitely not consumer friendly, meaning XXXX 

The credit lender, who goes by XXXX XXXX or XXXX is very suspicious as a lender. You will wait hours just to get through their initial system. You get automated, it then only allows you to enter a credit card number, you have to hit multiple 0s and eventually you get a person, although, as stated they are neither helpful or consumer friendly.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. 150 day notices need account removed ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: TX

Complaint narrative:
When I was unable to use my Discover card it was denied. Ive never been late usually paid two payments a month. But DISCOVER REVOKED MY ACCOUNT WITHOUT WRITTEN NOTIFICATION. Their claim is we emailed you. You agreed to being emailed. I explained I do not recall this conversation and listening to it will make no difference. This all stems from the card getting violated in which I have no problem filling out paperwork when I know its coming or marked Eurgent in email so you know its not spam. I am following this complaint with the OCC, FDIC, FCC SINCE THEY RENEGED ON A VERBAL AGREEMENT VIAL TELEPHONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
MOHELA IS IN VIOLATION OF THE ADA ( AMERICANS WITH DISABILITIES ACT ). 
I've tried multiple times via email and the chat option ( when it's available ) to have Mohela apply one month toward my PSLF count. That one month was placed on administrative forbearance ; I've let them know that 34 CFR 685.219 ( c ) ( 2 ) ( v ), passed XX/XX/2022, requires any months where Administrative Forbearance exist is to be applied toward PSLF counts. They continually tell me that the month does not count because of the forbearance. Upon my request to speak to a supervisor, they have told me several times that I can not speak to a supervisor via email or chat ( when it's available ) but that I have to call them. I've explained to them that I am XXXX XXXX XXXX XXXX, so calling will not work. They still refused to have a supervisor respond via email or chat. I also have attempted to " call '' Mohela through TTY. The TTY number XXXX in contacting Mohela does not work. I tried several times and it will go to an automated voice that keeps translating the same message over again and shortly after, the call ends, even though I follow the one prompt on it. Besides being unable to talk to a supervisor, I can not even contact one in any method available to me. Mohela is in violation of the ADA and is subject to a lawsuit as a result of this violation.

In addition to the ADA violation, there's also the violation of 34 CFR 685.219 ( c ) ( 2 ) ( v ) that they won't apply the ONE month toward my count. All I wanted is to have that month counted and as a result of their discriminatory policies, I've discovered the ADA violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
Hello, I received a letter in the mail letting me know that there was a recent security incident at NCB Management Services , Inc. I don't know who this company is, nor have I ever opened an account with them. 
There was breach of my personal information with the company named above. I don't even know if they are legit, nor have I given any permission for such company to have any of my personal information. 
I don't know if NCB is a legit company in the first place. 

Please help our society to look into this business and do some ressearch so that no other persons/businesses will be abused. 
Thank you for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I traveled to XXXX XXXX in XXXXXXXX XXXX  on XXXX ( XXXX ) separate occasions ( dates listed below ). I paid for the reservation with a completely different bank card, but I utilized my PNC XXXX XXXX card for the {$50.00} resort incidental charge for all XXXX ( XXXX ) separate occasions. Upon checking out each of the XXXX ( XXXX ) separate occasions, XXXX XXXX in XXXX, XXXX  released the {$50.00} incidental immediately, however the funds HAVE NEVER been returned by PNC XXXX XXXX and in fact, have recently found out that PNC XXXX XXXX added an additional 15 % charge to each of the {$50.00} incidental charges totaling each separate XXXX ( XXXX ) occasions to {$57.00}. Upon calling PNC XXXX XXXX customer service several times, I have been repeatedly told that the charges are not visible. I then call back to customer service and told that the charges are miraculously visible but in a pending state, and has that additional 15-20 % surcharge in addition to the incidental that PNC XXXX XXXX blames on the resort and or hotels. PNC XXXX XXXX has given me an expectation of XXXX hours ( XXXX  days ) for funds to be released, however its been well over the XXXX days and funds have not been returned. Ive called and called to rightfully have my money returned from PNC XXXX XXXX as they are stealing, scamming and fraudulent charging and holding customers funds. Please see XXXX XXXX dates below. 

Between XXXX XXXX XXXX Between XXXX XXXX XXXX  Between XXXX XXXX XXXX Between XXXX XXXXXXXX XXXX Between XXXX XXXX XXXX Between XXXX XXXX XXXX - - - - - - - - - - - - - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The same incident occurred between XXXX XXXX XXXX  XXXX XXXX XXXX, as I paid a {$50.00} incidental but PNC XXXX XXXX charging me an additional 15-20 % more than the incidental and then claiming the charges arent visible, then retracting that statement and stating that funds will be reversed in XXXX hours but never happening. 

I also have a pending transaction between XXXX XXXX XXXX with a completely separate XXXX XXXX where my total was {$130.00} for the room and with the {$50.00} incidental is {$180.00} out the door. However PNC XXXX XXXX billed me {$210.00} which is an additional {$25.00}. I am including the pending transaction as well to ensure I receive that incidental and the extra percentage PNC XXXX XXXX charges back immediately as well. 

This is corporate theft, fraud and scamming from PNC XXXX XXXX and all my money needs to be returned immediately and Im certain Im not the only person they do this to, but I refuse to be bullied, stolen from, scammed and defrauded and I will continue to file complaints and on the verge of a class action suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: FL

Complaint narrative:
despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal law. under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correct. ( XXXX  Account number - XXXX ) DATE OPEN XX/XX/XXXX ( XXXX ) XXXX  Account number XXXX XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX XXXX XXXX  Account number - XXXX ) DATE OPEN ( XXXX ) SXXXX XXXX  Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX XXXXXXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX Account number- XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX XXXXXXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) in the results of your first investigation and subsequent re investigation, you stated that you verified that these items are being reported correctly? who verified these accounts? you have not provided me a copy of any original documentation a consumer contract with my signature on it. as required under XXXX5 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( a ). furthermore, you have failed to provide the method of verification as required under 15 USC 1681i ( a ) ( 7 ). please be advised that under 15 USC 1681i ( 5 ) ( a ) of the FCRA- you are required to " PROMPTLY DELETED ALL INFORMATION WHICH CAN NOT BE VERIFIED. The law is very clear as to the civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under FCRA.

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 2023-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: DC

Complaint narrative:
It's been an ongoing problem with payments since my loan was initially sold to Fay Servicing. 

I've called several times regarding issues with payment whether it's untimely processing of payments, the website, or partial payments that end up in suspension accounts and are not applied to the mortgage for random reasons. 

I contacted Fay Servicing last XXXX to dispute the escrow analysis as it did not seem correct. My escrow payments had increased by over {$150.00}. The phone representative told me that escrows often go up due to increases in taxes and insurance. I explained that I understood that as I had owned the property for over 15 years but had never encountered such a high increase. I asked for a written explanation and escrow breakdown analysis to show how the payments were being disbursed. I never received it and continued to make payments. 

This XXXX, I received another notice showing yet another increase of an additional {$77.00}, and that my escrow balance was significantly low. ( - {$2600.00} ). When I checked my state property tax database to compare, I saw that was not the case. My taxes had remained the same over the years just as I thought. Fay Servicing had continued to make the payments to the state but the XXXX escrow statements, payments, and balances were VERY different. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-16 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: IL

Complaint narrative:
I am sending this complaint in regard to the following, account XXXX XXXX. This account was obtained fraudulently on or about the date of, XX/XX/2021 with a credit limit of {$5000.00}. I've spoken directly with representatives of the company and explained that this account was opened fraudulently as well as sent in supporting documents such as proof of identity, FTC reports and proof of address. However, this account is still being reported as a charged off account with a balance of {$3000.00}. It is also reporting inconsistent and inaccurate information on all credit reporting agencies ; and according to the FCRA and FDCP these are violations of the 623 ( b ) and Section 807, as well as your company 's Regulation V. The company insists that the account belonged to me in spite of having evidentiary proof that it does not. This account is having an extremely negative impact on my livelihood.

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 2023-06-16 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: IL

Complaint narrative:
I am sending this complaint in regard to the following, account XXXX XXXX. This account was obtained fraudulently on or about the date of, XX/XX/2021 with a credit limit of {$5000.00}. I've spoken directly with representatives of the company and explained that this account was opened fraudulently as well as sent in supporting documents such as proof of identity, FTC reports and proof of address. However, this account is still being reported as a charged off account with a balance of {$3000.00}. It is also reporting inconsistent and inaccurate information on all credit reporting agencies ; and according to the FCRA and FDCP these are violations of the 623 ( b ) and Section 807, as well as your company 's Regulation V. The company insists that the account belonged to me in spite of having evidentiary proof that it does not. This account is having an extremely negative impact on my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am sending this complaint in regard to the following, account XXXX XXXX. This account was obtained fraudulently on or about the date of, XX/XX/2021 with a credit limit of {$5000.00}. I've spoken directly with representatives of the company and explained that this account was opened fraudulently as well as sent in supporting documents such as proof of identity, FTC reports and proof of address. However, this account is still being reported as a charged off account with a balance of {$3000.00}. It is also reporting inconsistent and inaccurate information on all credit reporting agencies ; and according to the FCRA and FDCP these are violations of the 623 ( b ) and Section 807, as well as your company 's Regulation V. The company insists that the account belonged to me in spite of having evidentiary proof that it does not. This account is having an extremely negative impact on my livelihood.

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