vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One continues to have ( 3 ) Fraudulent Inquiries on my XXXX XXXX XXXX. I have been experiencing Identity Theft. I have filed the correct paperwork to have these fraudulent inquiries removed. Capital One is in violation of FCRA policy as I have requested the complete file in each transaction mailed to me. I have yet to receive these files after several months of waiting. I should have received within 30 days of request. 

Fraudulent inquiries as follows : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
I have been with Lexington Law firm and XXXX for almost 16 years combined and still their systems reports inaccuracies in my reports, they don't fix or get rid of inquiries that was past last years and they keep having inconsistencies in my reports where I can't get ahead in my credit. Also they keep overcharging for services they claimed to have, but not exactly have those services and bad practices. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
Huntington National Bank force closed my checking and savings accounts on XX/XX/XXXX. They stated I can not withdraw any funds, and it may take up to 60 business days for complete account closure and for them to send me a check for the remaining balance. Since the closure, I have had {$1300.00} from a MN State Stimulus Check as well as a {$700.00} MN State Income Tax Refund deposit into my account that I am also unable to access. I can not possibly wait until XX/XX/XXXX as need these funds to pay my mortgage and take care of my family. I have repeatedly asked for them to expedite this matter, but they state they are unable to do so. 

I have also filed complaints with the MN and Ohio Attorney General 's offices about this. The MN Attorney General 's office has promptly sent a letter to XXXX XXXX XXXX, Vice President of the Customer Advocacy Response Team.

Please assist me in getting this issue resolved as quickly as possible so I can continue to provide for my family in an already difficult financial time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to the FCRA the following companies list below have violated my consumer rights pursuant to these three laws ; 15 U.S. Code 1681- section 602 ( A ) 15 USC 1681 604 A section 2 15 U.S.C 1666b XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Account number XXXX XX/XX/XXXX and XXXX, XX/XX/XXXX XXXX XXXX Acount number XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXXXXXX XXXX account number XXXX XXXX XX/XX/XXXX XXXX account number XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/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 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Synovus Bank
State: GA

Complaint narrative:
I had accounts and they were closed due to someone hacked my acct.. I need my acct for my payroll deposit.. Please assist with clearing the acct with XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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.

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 2023-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CT

Complaint narrative:
I have 5 student loans ; all have been in forbearance. Dates issued : XX/XX/XXXX : {$10000.00} XX/XX/XXXX : {$10000.00} XX/XX/XXXX : {$10000.00} XX/XX/XXXX : {$10000.00} XX/XX/XXXX : {$2000.00} My loans have been transferred numerous times, starting with XXXX, XXXX, and now Mohela. Mohela has been very difficult to work with : On XX/XX/XXXX, during my 2nd call to review repayment options, the agent called me " WHITE TRASH '' and proceeded to tell me " I had to pay off my student loans, you are not getting a free ride on my watch ''. I had to call in a second time, because during my first call, I realized the payment plan was recalculated with a payoff date of XX/XX/XXXX- yet all the loans have been in forbearance. My loan terms are 25 years, per the Federal Student Aid website, and payoff amounts should be calculated over 10 years. They are insisting my loans are now 7 years. 

On XX/XX/XXXX, I submitted an application to the StudentAid.gov, because Mohela has refused to move my loan into the best program as advertised by the government. In speaking with an agent on XX/XX/XXXX, I was told Mohela was overwhelmed with applications, there computer system had been continually crashing, and the agent would " ... help me with my application, as soon as they helped the hundreds of other borrowers ahead of me ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: PNC Bank N.A.
State: OH

Complaint narrative:
Good morning, On XX/XX/XXXX I placed an order from XXXX XXXX  XXXX XXXX on their website for 2 small pizzas and 2 make your own salads. 
I received a text message from them at XXXX XXXX stating they had some issues and were cancelling my order. 
On XX/XX/XXXX at XXXX I contacted them asking for my refund as the charge of {$48.00} was not refunded. No answer On XX/XX/XXXX at XXXX I texted again asking about my refund. They finally answered at XXXX saying it was processed. 
On XX/XX/XXXX at XXXX I texted again asking about my refund. No answer. 
On XX/XX/XXXX at XXXX I texted again. At XXXX they answered basically saying it was not their problem. 
On XXXX I texted again asking where my money was. No answer. 
Please see attached screen shots. 
Please refund my money ASAP! I am a long time customer of PNC along with my 5 family members and I should not have to go through all this NOR wait 90 DAYS!!!! For my money that very clearly was not refunded. 

I have been trying to work with PNC and they keep dragging it out and making false promises and still no money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Transfer Details dotted line Item # : XXXX Amount : {$50.00} From : XXXX XXXX  Checking XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Truist Checking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Service : Standard - Inbound After receiving this email from XX/XX/XXXX The last email received was on XX/XX/XXXX about the Bonus offer and lost access to the account after that.

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 2023-09-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
Are used Lexington law firm and paid the monthly for credit repair services they did nothing for my credit no credit related issues were fixed and nothing was removed I called them several times asking for updates to little no help I wasted hundreds of dollars thinking this was the best action to take after terminating my services with Lexington law they still charge me unexpectedly and unlawfully for months I called and emailed them several times to delete my account information so that I would not be charged every month and continue to get charge I would like a full refund from the start of my service that I never received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I try to open account they told me account was previously open but I didnt open account I showed police report and they still denied me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023, I opened a savings account at Chase Bank because I am an international student and do not have an SSN ( Social Security Number ). After submitting the required documents, the local staff assured me that I could open the account and update my personal information through the mobile app in the future. However, today I attempted to change my linked phone number but received a message stating that I can not make this change online. I called Chase headquarters for assistance, but I was told that without an SSN, I can not make phone-based modifications.

I spent over 30 minutes on the phone, and Chase kept transferring me to different departments without resolving my issue of changing my phone number. 

Is this how Chase Bank handles security concerns for its customers ' bank accounts? Is this the level of disregard for customer concerns? I kindly request your department 's intervention to address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CA

Complaint narrative:
I cancelled a delivery order with XXXX, on XX/XX/23 XXXX has already released the hold on my account but Chime refuses to expedite my refund and are making me wait a week to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Re : Failure to Respond to Credit Report Dispute Disputed Accounts : XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX I am writing to bring to your attention your failure to respond to my credit report dispute within the time frame required by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. On XX/XX/2023, I sent a dispute letter to your agency via USPS-certified mail, disputing the completion and accuracy of the accounts listed above, in compliance with the XXXX XXXX Format Standards. USPS tracking confirms that you received my dispute letter on XX/XX/2023. A copy of the tracking receipt is attached for your reference. 
The FCRA mandates that you respond to consumer disputes within 30 days of receipt. Your agency 's failure to respond to my dispute within this time frame is a clear violation of the 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 explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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.

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 non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: DE

Complaint narrative:
I inquired about mobile cellular service with XXXX, they were unable to switch my cell phone service over from a previous XXXX. I never activated the service, in the mean time, they charged me for services that i don't have for the last 5 months. I contacted them every month in regards to this as they kept trying to charge my account for cellphone services which caused me to accrue fees thru my banking account. Now they have sent the amount that I don't owe to a collection company and this caused my credit score to go down and I am in the middle of trying to purchase a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of fraud and place credit alerts on all three bureaus I have had a judgment placed for a car I did not buy but still took the punishment and did a bankruptcy to clear it. Here we are 5 years later and instead of improving my credit went to worse but I dont understand how they get through my alerts if XXXX cant even answer the questions. I am a victim of data breach thru experian and had a supposed help for fraud and still nothing I have not had any inquiries for credit since my bankruptcy except for a car loan thru XXXX financial and that is it. I try to contact the credit bureaus and form a complaint but the negative still remains and inquiries still remain how can I have paid off 4 vehicles and my credit is less than before my bankruptcy?

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of fraud and place credit alerts on all three bureaus I have had a judgment placed for a car I did not buy but still took the punishment and did a bankruptcy to clear it. Here we are 5 years later and instead of improving my credit went to worse but I dont understand how they get through my alerts if I cant even answer the questions. I am a victim of data breach thru experian and had a supposed help for fraud and still nothing I have not had any inquiries for credit since my bankruptcy except for a car loan thru XXXX financial and that is it. I try to contact the credit bureaus and form a complaint but the negative still remains and inquiries still remain how can I have paid off 4 vehicles and my credit is less than before my bankruptcy?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: NC

Complaint narrative:
I received a letter from allianceone collection agency on behalf of XXXX XXXX, OH stating that I owe an amount that's not even due until XX/XX/2023! I only owe at this time {$130.00} and XXXX reported to AllianceOne that I owe {$490.00}. The amount of {$360.00} is not due until XX/XX/2023 and to report that I owe an amount that is not due is false information and can have a big affect my credit score once reported! Also, I was charged for digital services that are offered free with service... XXXX XXXX on Us {$1.00} and XXXX {$4.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!

Company response to consumer: Closed with non-monetary relief