vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible THE ACCOUNTS ARE XXXX XXXX XXXXXXXX OPENED ON XXXX, XXXX XXXX XXXX XXXX OPENED ON 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 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
In XXXX of XXXX, i had a major home repair that was unexpected. My well on the property was found to have run dry, and resulted in me having to find a way to pay XXXX XXXX dollars to provide myself and my family the most essential resource to survive. Since then, i have been trying my hardest to dig out of that debt, all while dealing With the hardships that affect many americans resulting from XXXX. Since that point, i have worked hard, long hours at my current job in XXXX. I have furthered myself in my job, and lost countless hours with my family as many people have just trying to make ends meet. PNC has not helped in any sort of way to help me get back on track. Charging me {$140.00} in overdraft fees in XXXX, and a whopping {$720.00} in XXXX. I was not the most finacially literate person, and on numerous times overdrafted the account just to be able to survive. On XX/XX/XXXX, PNC offered to reimburse a measely {$140.00} out of the {$860.00} i have paid them in overdraft fees. I don't believe this helps anybody dig out of a hole. I am attempting to get together an itemized list of the overdrafts, and will send you them at your request. Thank you for your time in this matter, and i hope to get back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This seems to be the only way to contact this company. The first time they sent me a debt validation notice that was wrong for a {$380.00} debt. Said it was put in " restrictive status '' not sure what that meant. And they said they mailed the debt validation not on the XXXX as their paperwork indicated but on the XXXX which was a Sunday. Which turned out to be a provable lie. I tried to call them I faxed them no response. What is restricted can you still sell the debt is it erased? Filed a second CFPB complaint they responded with were having an internal investigation were closing the account. I have tried to find out what that means. I called them left messages. I want to know if they can resell this debt or if it's gone. They also are supposedly holding an internal investigation I don't know if that is true or not but I'd like to know the outcome of it. Who did what? What was the punishment? Why do I need to file CFPB complaints to hear from this company. I think it's fair to say they have violated the FDCPA enough times that they should confirm the debt is gone forever and pay me for these violations. Obviously I am the one this is about so I want to know what this internal investigation uncovers how thorough was it? I called left messages for the people they said XXXX XXXX and XXXX XXXX who seems to be pretty high up there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: PA

Complaint narrative:
On XX/XX/XXXX I applied through studentaid.gov for the SAVE repayment program and was accepted on XX/XX/XXXX ( account stated that loan servicer had completed the review the application ). According to studentaid.gov my monthly repayment amount was XXXX. 

I am signed up for automatic payments and on XX/XX/XXXX Aidvantage took XXXX ( instead of the XXXX ) that I was expecting to pay. I spent nearly an hour on their chat help service on XX/XX/XXXX and was told the reason was that I did not call them to request the forbearance period that was a part of the plan. They stated I had to call. I spent another hour that afternoon calling to have them put me in the SAVE plan that I already applied for through studentaid.gov, they asked me for all my financial information again ( that I had already given through my application with studentaid.gov ), confirmed the new payment amount of XXXX which was to begin in XXXX. 

On XX/XX/XXXX I received a notice from aidvantage that my next bill will be due on XX/XX/XXXX and will still be {$800.00}. 

At this point, they have already taken 2 hours of my time and {$350.00} from my bank account, and the result has been that they are still planning to over charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
All the credit bureaus do nothing, check nothing, and could care less about my credit score. Why would they? Same goes for the CFPB! Waste of time and taxpayer money!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: TX

Complaint narrative:
Under 15 USC 1681b, any consumer reporting agency may furnish a consumer report under specific circumstances, and no other. Subsection ( 2 ) of this statute clearly states that a consumer report can be provided " in accordance with the written instruction of the consumer to whom it relates. '' I have never provided written consent to any consumer reporting agency to report the accounts in question, which directly violates my rights as a consumer. The absence of consent implies identity theft, a serious offense that undermines the integrity of my consumer report. 
I am formally demanding the immediate deletion of the following accounts from my consumer report : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( UNAUTHORIZED INQUIRE ) SCREENING REPORTS XXXX open date XXXX XXXX XXXX XXXXXXXX XXXXXXXX open date XXXX XXXX XXXX XXXX XXXX open date XXXX XXXX XXXX XXXX XXXX open date 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 2023-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Daily for the past week calls between XXXX EST. Since XX/XX/2023. Even on the weekends. Then calls every hour during the week. Sometimes one after the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX and Equifax must be crazy because they have not been disputing this account because they would of been told that they must XXXX out the balance and pass due to a cancel debt there is 3 letters from XXXXXXXX XXXX XXXXXXXX from XX/XX/2023 XX/XX/202 and XX/XX/2023 that states they told all thee credit agencies to XXXX out the XXXX account they told them 3 months ago yet they come back as accurately reporting a balance when they were told to remove the balance this is the proof and I was told by XXXX XXXX XXXX XXXX Regulatory Complaint Specialist that they should contact him personally for a 3 way call

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
SYNCB/AMAZON PLCC XXXX XXXX I received an alert from XXXX XXXX about an hard inquiry on my Credit Report. I went to view the inquiry and it showed up as SYNCB/AMAZON PLCC XXXX XXXX, I have no knowledge of this account. For the past several months I have been paying off all debts in efforts to increase my credit score. I disputed with XXXX XX/XX/2023 and that same day my dispute was closed saying information was accurate and will remain on report. The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 CR SYNCB/AMAZON PLCC XXXX I then called SYNCB/AMAZON and they have XXXX record of an account or this information on my Credit Report. And suggested that XXXX provide me with information on how they did their investigation. 

This is not my inquiry and I need help in getting it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I notified TransUnion that there are unauthorized credit inquiries on my consumer report. TransUnion only removed 1 of inquiries. The following inquiries that I reported are still on my file : XXXX XXXX XXXX XXXX,2023 XXXX XXXX XXXX 2023 XXXX XX/XX/2023 2023

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 2023-10-14 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: EdFinancial Services
State: PA

Complaint narrative:
On XXXX I made a payment for {$1000.00} on my student loan, when I only had {$210.00} due. A week later, it said my account balance was overdue & the payment was reversed the same day. Again, on XXXX, I made a {$1000.00} payment & today, XX/XX/ it says my payment was reversed on the 6th after I checked, the payment had gone through. 

Customer service refuses to call me back, Ive tried waiting on hold for a human. The chat bot doesnt work. 

Ive now accrued interest of {$140.00} and Im now 2 weeks in to being overdue. Im very frustrated because this makes no sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-10-14 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 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: GA

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/2023 I initially purchase a meat gridder for XXXX. I canceled that order. On XXXX the XXXXXXXX XXXX repurchased it, but then also returned it and was refunded on XXXX the XXXXXXXX XXXX All of my purchases were made through XXXX and were promotional purchases. On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Central time the customer service from Synchrony Bank stated that the credit amount of XXXX} wasnt deducted. She stated that somehow, when they were transferring the data from my old account to my new account the amount had been put back on account as a purchase.

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 2023-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My capital one Mastercard was closed without my permission. I paid on time and in full 100 % of the time. I called their customer service and was told my account was closed without explanation. The agent told me to apply for a new card. My application was rejected and the reason was that I had issues with my previous card. Please help fix this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I received a refund from my school on XX/XX/22. 
Venmo has locked and restricted my account everyday since to the extent I have only been able to access my money 2 or 3 times. I have told them repeatedly that all I wanted was the ability to transfer my money out of their bank. So now Im only able to score my balance and put money in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible The accounts are below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-14 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, someone got into my XXXX account and made XXXX unauthorized withdrawals, The first transaction was for XXXX and the second one was for {XXXX totaling {XXXX I reached out to my bank which is Fifth Third Bank and notified them that it was not an authorized transaction, they told me they would do an investigation and I would get my money back within 7-10 business days, I waited and waited and didn't hear back from my bank, on XX/XX/XXXX the same person or company came back again and tried to make another XXXX more transactions of XXXX XXXX XXXX XXXX  On XX/XX/XXXX they processed another transaction of XXXX but this one was reversed by the bank on XX/XX/XXXX, I reached back to Fifth Third bank for a follow-up, and l was informed that unfortunately, they were unable to help me get back my money since I reported the issue after XXXX hours, They explained to me that they have a policy that states that if you don't report a fraud transaction on your account within XXXX hours you lose your money, I was informed that at this time I was going to lose the money and was advised to close my account as someone had access to it, This policy was never explained to me at the time of the account opening and neither of the people in the bank knew about it, I just want my money back and I don't feel like the bank is being fair, also I don't want the same situation to happen to anyone who has a XXXX  account with XXXX Bank,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I notified XXXX that there are unauthorized credit inquiries on my consumer report. XXXX only removed 1 of inquiries. The following inquiries that I reported are still on my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I attached the documents, I see payments marked as late and I never been late on any of my payments, because of this error h= I have been struggling to buy a house, its giving me XXXX  and I feel like I can't do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
I want to file an irregularity complaint about a report to the credit bureau on a collection account from the company called XXXX XXXX XXXX. This contract between this company and the original owner XXXX XXXX started on XX/XX/XXXX, with account number : XXXX, on a XXXX brand car, model ; XXXX, XXXX XXXX. From that date, the vehicle was paid regularly for XXXX years but in XXXX XXXX XXXX XXXX, the place where she worked was closed and it was very difficult for her to get a job to be able to pay her obligations or commercial commitments and she began to fall behind with it and then came the Corona virus19 Pandemic, this does not justify the delay in your payments but this vehicle described above was recovered ( through XXXX cars ) by XXXX XXXX XXXX and we are sure it was sold to another client. The collection agency is NCB Management Service XXXX, file # XXXX. Our question is ; is this legal? 
XXXX XXXX and XXXX XXXX XXXX XXXX ( Co-signer )

Company response to consumer: Closed with explanation