vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 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: OH

Complaint narrative:
I have some information reporting to my credit report that is invalid! Some doesn't belong by to be and the other is not reporting correct! 
I have listed all details below XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Highest balance {$19000.00} Balance {$12000.00} During XXXX, and the pandemic I had some lates on my car payment, I called them and made arrangements to have them work with me and they advised they would and did and that to us wouldn't effect my credit negatively. Well below are all the dates I was reporting late and since they told me it wouldn't be reporting I feel like it shouldn't XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 30 days late reporting XX/XX/XXXX 30 days late reporting This account below is an account I paid off, it has derogatory payment history and I paid this account on time and paid it off! 
XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$0.00} These accounts below do not belong by to me XXXX ) XXXX XXXX # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX ) XXXX XXXX XXXX  # XXXX Opened date XX/XX/XXXX Amount {$170.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX ) XXXX  Account # XXXX Opened date XX/XX/XXXX Balance {$850.00} XXXX ) XXXX XXXX XXXX  Account # XXXX Opened date XX/XX/XXXX Balance {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 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: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
The creditor reports that I have a repossession with them and refuses to remove it from my credit report. 
I never had anything repossessed thru them. 
I only had a credit card account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ok XXXX XXXX XXXX Subject : REQUEST FOR FULL DEBT REMOVAL RE : Navient Acc # XXXX {$190000.00} XX/XX/2022 To Whom It May Concern, I am currently being harassed by Navient. Navient has called me multiple times a day which I understood would happen when I was unable to pay the loans. They then started calling my sister, elderly parents, and mother in law. I spoke to them on XXXX separate occasions and asked that they stop calling family. Two weeks ago I spoke to them and explained my situation again. I explained I have XXXX, XXXX XXXX  children, and work XXXX XXXX XXXX XXXX. I am not always able to talk on the phone but will be in contact with them-that they did not need to contact other people. I would always let them know if my contact information changed. Today they called my neighbor who also happens to be my coworker. I have no idea why they would start calling neighbors and coworkers except to embarass and harass me into paying them ( with money I do not have ). I understand there are consequences for not paying a debt and I am willing to take them. I want to work out an agreement with them. However, I do believe I deserve some sort of protection from having my personal business spread around the small town I live in and tarnishing my reputation at work. Can you please help? I am desperate. 

Navients attempt to validate my claim is vague and insufficient and the documentation that was submitted is vague and lacking competence. Wet ink copies of statements or applications bearing my signature were NOT provided. Proof of a contractual agreement bearing my signature was NOT provided. Navients computer screen printouts submitted are vague, lack competence and are therefore unacceptable. Navients attempt to validate this claim is therefore unsatisfactory. Navients collection attempts violate the FDCPA, FCCPA, FCRA, Libel/Defamation, and Invasion of Privacy of the FCRA. In addition, it is negligence and willful intentional infliction of emotional distress against the Complainant. The following documents submitted outline the unlawful conduct and actions of in their question to damage my credit standing. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Have contacted Credit Bureaus about inquires about 6 of them are on my file, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: NC

Complaint narrative:
Have contacted Credit Bureaus about inquires about XXXX of them are on my file, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: OH

Complaint narrative:
Several repeated phone calls to me ( who is on a payment plan ) As well as several calls to my girlfriend who is not affiliated with the account. 
About 12 calls were received today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MI XXXX. XXXX. My email address is XXXX. 

I had a Citibank credit card for several years. I can not give you the credit card number as I cut the card up and threw it away. The original last XXXX digits of the disputed card the charges were made on is XXXX. The last XXXX digits of the card that they sent to replace that one is XXXX and that card has also been cut up and thrown away. 

On XX/XX/2021, I received a telephone call from Citibank indicating that charges were being made to my credit card in XXXX, GA. They asked if I made or authorized these charges. I told them they called me on my home phone in XXXX and so " no '' I did not authorize or make those charges. They immediately closed my account They indicated that XXXX charges ( {$50.00} XXXX ) were made on my card at Performance Prediction XXXX GA ) and XXXX charge for ( {$61.00} ) at XXXX XXXXXXXX # XXXX XXXX XXXX Ga. I was told these charges would be removed from my card. 
When my statement arrived, all charges were listed for payment. I disputed it. The following month XXXX of the Performance Prediction charges and the XXXX XXXXXXXX charges were removed. XXXX Performance Prediction charge for {$50.00} remained. Citibank indicates they can prove I made the charge. I have called XXXX or XXXX times ( maybe more ) and disputed the charges. They tell me it will be taken care of and nothing happens. However my bill that was due XXXX listed the remaining {$50.00} charge and added a penalty of {$29.00} because I didn't pay it. Repeated calls to Citibank have been unable to resolve it. They say it's fixed but the telephone calls and emails about the unpaid bills continue to come. I receive phone calls from them EVERY day about the bill and emails every XXXX day. I have filed a police report # XXXX with the XXXX XXXX Michigan Police Department XXXX XXXX XXXX XXXX XXXX XXXX ). I contacted XXXX XXXX on XXXX and he suggested I try to resolve it with 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 monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: MN

Complaint narrative:
Gemini Trust Company , LLC XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, NY, XXXX United States Phone : ( XXXX ) XXXX This company FROZE my account for no good reason and now will not UN -Freeze the account it has been XXXX  days now and I can not get my money out. 
I sent all the necessary proof of ownership to the account but to no avail. 
After reading MANY posts on this Company its quite common for them to NOT verify or Un Freeze accounts for no reasons. Just get the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I ordered a copy of my three credit reports and found erroneous information on all three. Inaccurate information is being used to negatively affect me in the course of seeking funding for my small business. In XX/XX/XXXX and XXXX of XXXX i sought business line of credit from various entities and was denied. Upon receiving the reasons for denial personal credit was sighted as the significant cause. Upon reviewing my credit i realized that dated information from over 10years ago was reflected on my report, the sum of which was being used to evaluate my credit worthiness. My personal information included data from others i shared similar background information with, making it harder for me to be evaluated singularly on my merits. 
I seek assistance in having this information corrected and have contacted all three agencies to remove the outdated, erroneous and negative data from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XXXX XX/XX/2022, I opened Business checking account with PNC bank, in-person at XXXX TX branch XXXX Ever since I opened this account, I am facing issues : 1. Signature card was not uploaded so I can not do any external transfers ( like get money into this account using ACH ) 2.I need to work close to 2-3 hours to get this resolved in next 3-4 days.

3. Now I am facing a new issues, I can not cancel my scheduled external transfer. I can reduce the amount of that transaction ( which i want to cancel ) to {$10.00} but can not cancel it. Since XXXX XX/XX/2022- I am having this issue. 
Any time call phone banking ... standard message " we are getting unusually high call volume... wait will be more than 20 minutes ... but even after 1 hour there is nobody to talk '' ... call back feature is there... but call comes after 1+ hours ... worst thing... even when you are talking to a human ... that human is totally incapable, inefficient... they can't even understand the problem... I spent close to 8+ hours on this issue. But still it can not be fixed. Branch has been told... Branch arranged a call but when i called that person... going to voice mail. 

Information team has been highly incapable backed up by totally useless customer service. Customer is feeling hopeless... 

These are the basics of banking... credit and debit from account and PNC is totally clueless. I am very busy and simply just can't keep on following. Today I got a callback from XXXX from PNC ... customer service from PNC feels as if they are doing a favor by talking to the customer. She told me that i can not see what you are doing and i can not simulate it also ... .numerous transfers here and there... but issue not getting resolved. 

XXXX support is more hopeless than phone support. 
Tried various browsers and mobile app - no luck in terms of cancelling the scheduled transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: CO

Complaint narrative:
The company claimed that items had been removed from my credit report but when I checked they were still on my credit report,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America is accusing me of withdrawing money off of my checking account money I never even had in my account charging me {$1300.00} I never even had this amount in my account to begin with Bank of America wants me to settle for {$800.00} which Im not going to settle never touched a dime i need this removed 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 2022-02-09 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: VA

Complaint narrative:
I ordered a copy of my three credit reports and found erroneous information on all three. Inaccurate information is being used to negatively affect me in the course of seeking funding for my small business. In XX/XX/XXXX and XXXX of XXXX i sought business line of credit from various entities and was denied. Upon receiving the reasons for denial personal credit was sighted as the significant cause. Upon reviewing my credit i realized that dated information from over 10years ago was reflected on my report, the sum of which was being used to evaluate my credit worthiness. My personal information included data from others i shared similar background information with, making it harder for me to be evaluated singularly on my merits. 
I seek assistance in having this information corrected and have contacted all three agencies to remove the outdated, erroneous and negative data from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I ordered a copy of my three credit reports and found erroneous information on all three. Inaccurate information is being used to negatively affect me in the course of seeking funding for my small business. In XX/XX/XXXX and XXXX of XXXX i sought business line of credit from various entities and was denied. Upon receiving the reasons for denial personal credit was sighted as the significant cause. Upon reviewing my credit i realized that dated information from over 10years ago was reflected on my report, the sum of which was being used to evaluate my credit worthiness. My personal information included data from others i shared similar background information with, making it harder for me to be evaluated singularly on my merits. 
I seek assistance in having this information corrected and have contacted all three agencies to remove the outdated, erroneous and negative data from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 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: OH

Complaint narrative:
I have some information reporting to my credit report that is invalid! Some doesn't belong by to be and the other is not reporting correct! 
I have listed all details below XXXX XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX Highest balance {$19000.00} Balance {$12000.00} During XXXX, and the pandemic I had some lates on my car payment, I called them and made arrangements to have them work with me and they advised they would and did and that to us wouldn't effect my credit negatively. Well below are all the dates I was reporting late and since they told me it wouldn't be reporting I feel like it shouldn't XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 30 days late reporting XX/XX/XXXX 30 days late reporting This account below is an account I paid off, it has derogatory payment history and I paid this account on time and paid it off! 
XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$0.00} These accounts below do not belong by to me XXXX ) XXXX XXXX  # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX ) XXXX XXXX XXXX # XXXX Opened date XX/XX/XXXX Amount {$170.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX ) XXXX  XXXX  # XXXX Opened date XX/XX/XXXX Balance {$850.00} XXXX ) XXXX XXXX XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have submitted multiple documentation to prove that I am a victim of identity fraud I later received a letter from Capital One Bank stating that they would not remove the account which the account is fraudulent and it was open in my name with all my documentation discovered the account 2 years later XXXX and XXXX has already removed the fraudulent account four months ago I have sent multiple letters to Capital One and XXXX I also consulted with the attorney general office the consumer protection Division and I have filed a ftc complaint against Capital One, the account was a fraudulent charge of account for {$440.00} the account was opened in XXXX XXXX I have sent a letter to Capital One president and CEO and Capital One will have 30 days that they received the letter or a federal lawsuit will be filed in their city state with my lawyer 's office

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Company Information : CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX CCS COLLECTIONS : have been calling and harassing me telling me that I owe them XXXX debts in the amount of {$97.00} and another amount of {$87.00} for XXXX separate accounts that I have no knowledge about. and it is really stressing me out at this point in my life & mentally affecting me at my job and making me depressed. i have not discussed or negotiated any type of contract with this company nor permission to use my signature whatsoever & I have never agreed to do any type of business with this company. 

Thanks!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On XX/XX/2022 I deposited a Cashier 's Check for {$10000.00} drawn on XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX, NM, XXXX into a Bank of America checking account at XXXXXXXX XXXX XXXX. XXXX, XXXX, NM, XXXX. The deposit slip was dated XX/XX/2022 which was the next business day. On XX/XX/2022 I received an email that a hold was placed on check until XX/XX/2022. I called Bank of America on XX/XX/2022 to say it was a Cashier 's Check but was told nothing could be done to make the funds available any sooner. When I decided to file this complaint I called XXXX XXXX on XX/XX/2022 to see if check had cleared. It cleared on XX/XX/2022. XXXX XXXX gave me a reference # XXXX so this information can be verified. I believe Bank of America has a systemic problem of when deposits made in checking accounts are available. The check was paid on XX/XX/2022 by XXXX XXXX but I don't have access to funds until XX/XX/2022. The Federal Reserve says that Cashier 's Check funds deposited in a checking account should be available for withdrawal in two business days.

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