vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 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: IN

Complaint narrative:
I became ill in XX/XX/2021, I was unable to work. I contacted the bank and explained to them my situation and they seemed to help by removing over draft fees during this bad situation. I was very greatful. Unfortunately the pay checks from working got smaller and then none, even the ones from my works XXXX program stopped. The bank told me they were no longer helping with people affected by job loss or lost hours. I tried and tried to stop payments from overreacting my account by having the bank block accounts, stop payments, and asked to reverse payments so my account would not get over drafted or worse than what it was cause I told the bank I was not working. They had me dispute a payment in XX/XX/2021 that made my account over {$500.00} negative and they said finally after all my efforts to stop payments being made the bank honored the payment anyway. After starting the dispute they told me as soon as the decision was made on the dispute they would send me something in the mail. After a month I never received anything and called to check every week and they stated still in investigation. I finally got ahold of a supervisor and they said they denied it over a week prior and at that point since I did not make any payment to pay back the negative balance after being instructed not to try anything with the account and switch all the companies doing autopayment and stop them cause once the dispute is complete the account would have the negaitive amount I disputed put back to the account. Never once said anything about being denied just said to investigate the transaction cause the amount was large on my behalf. I was still not working from XXXX to XXXX. Went over a month with no income or XXXX from the hospital I work for. I was hoping to be released to go back to work so they bank agreed to push back my account from being closed and into check systems. I was not able to go back to work later than I expected and unfortunately only for a short time and was ill again and back to being off work. I have been fighting to get caught back up after the XXXX eviction threats, utilities behind, and no income and XXXX little girls to take care of. They shut my account before the date they gave me and refused to help stop this during a pandemic. I filed a complaint with the XXXX a woman got ahold of me and told me to ask to get ahold of them to ask for a payment plan. I have never heard nor got the paperwork sent to me about a payment plan. NOW without notice and no warning only after a little over a month, sold my account to a collection agency before letting pay. I am still off of work trying to get my health ok to return.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My account abruptly closed on XX/XX/2022, after XXXX  years of banking with Bank of America in XXXX XXXX XXXX, XXXX, MA XXXX. After questioning the bankers about what caused my account to be closed, they told me " they can't tell me anything about the account '', I even spoke with a supervisor who wouldn't give me a reason why my account was closed. I also called the number that they gave me and still no answers. Today is XX/XX/2022, and I haven't received any information on why my account was closed. I also haven't received the funds that were in an account that equaled {$4500.00} at the time it closed. Please, I would like the CFPB to help me resolve this matter. 

Thank you, 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 monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
THIS COMPANY HAS CONTINUED TO CALL MY CELL PHONE AND WORK PHONE DURING WORK HOURS. I HAD NO INFORMATION CONCNERING THE MEDICAL BILL. I HAVE ASKED THEM MULTIPLE TIME TO STOP CALLING AND THEY REFUSE. I ASKED TO CEASE AND DESIST AND THEY REFUSE. I INFORMED THEM TO REMOVE THIS ITEM FROM MY CREDIT REPORT BECAUSE THEY ARE A XXXX PARTY AGENT COLLECTING A MEDICAL BILL WHEN I HAVE PAID THE XXXX  DIRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: TX

Complaint narrative:
XXXX violations : not mine : see attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX family XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX, XXXX Address ID XXXX XXXX XXXX XXXX wrong names : XXXX XXXX XXXX XXXX ID # 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 2022-02-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XXXX violations : not mine : see attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TX, XXXX Address ID XXXX XXXX XXXX XXXX wrong names : XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent letter to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$100.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$6400.00} XXXX XXXX Balance : {$8000.00} Chapter XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry 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 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I called TD Bank on XX/XX/22. They told me they are going to look into the fraud. They also told me to contact the XXXX to file a a fraud report. Someone opened it looks like XXXX different accounts in my name with TD bank. I received XXXX checking account booklets with checks in them and also XXXX different statements that said the account is in overdraft. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: OH

Complaint narrative:
TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ATTN : XXXX XXXX  XXXX RE : XXXX XXXX XXXX  XX/XX/2022 Recently, I, was denied an extension of credit by XXXX XXXX XXXX XXXX XXXX On XX/XX/2022 I applied for a XXXX XXXX account. 

AS you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim in adverse action against a consumer. Pursuant XXXX XXXX XXXX XXXX ( XXXX ) and you assume civil liability pursuant XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX XXXX has violated my federally protected consumer rights : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Since the letter you sent me dated XX/XX/2022 is both proof and evidence that I have been discriminated against, you are also criminally liable. XXXX XXXX XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.

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 2022-02-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed a dispute in regards to the item on my credit report it has been we'll over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Transunion has failed to properly verify the account in dispute and have sent a stall letter. My dispute letter wasnt sent from a third party I attached my licensed and proof of address. They are prolonging my 30 days investigation by sending them letter instead of properly validating or removing the accounts on my file

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 2022-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: International Computer Systems, Inc.
State: MO

Complaint narrative:
My name is XXXX XXXX XXXX and I don't have any form of contract or agreement to FIRST COLLECTION SVCS ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX. I have been sending written letters to XXXX about this matter but they are still neglecting my request of getting it removed. Also, I have asked for some copies of any signed agreement between me and XXXX XXXX XXXX but until now, I got nothing. This is a serious matter for me and XXXX and the furnisher should take this complaint seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
hi I'm just making a follow-up on the dispute letter that I sent on XX/XX/2021. its been over XXXX months, I thought I would get a response from your company after XXXX to XXXX days but it seems like you didn't take it seriously. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. I will await for your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist Bank - XXXX, NC XXXX. On XX/XX/XXXX I went to the Truist XXXX to pay off my loan balance with my existing checking account after more than 7 years of timely payments for my XXXX  year loan. The front door was locked soIi went to the drive up window. I shared my drivers license and account information and the staff member went to his terminal. The onsite personnel were unable to complete this request for over XXXX minutes ( XXXX bankers and no other customers ). After waiting patiently, i asked what was taking so long. XXXX XXXX XXXX XXXX said i could have done this online and they didn't need/want my business. The transaction was finally completed and I left frustrated and offended.

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This company has been furnishing deceptive and incorrect address, that are being advertised. On XX/XX/2022 I sent a letter to the company, and it was sent back to me saying the address was incorrect when they clearly advertise this address on their website and XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: MO

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this complaint to address the inaccuracies on my credit report. The account TEK COLLECT ( Original creditor XXXX XXXX ) with the account number has XXXX been reporting erroneously in my credit report. XXXX and XXXX seems to be reporting differently. I have already requested the removal of this account but up until now I didn't receive any changes. Please remove this account. It is damaging and causing my credit scores to drop. I hope you can take this matter to your hands and I'll be expecting some changes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2022 I initiated a transfer from WebsterBank to my XXXXXXXX XXXX for XXXX XXXX and the mines to be deposited on XX/XX/2022. WebsterBank stated I need to verify the account which I did. On XX/XX/2022 I received an email from WebsterBank that my transfer had been stopped due to needing further verification. The amount of the transfer was XXXX. I needed to send in my most recent bank statement from XXXX and my drivers license. I sent in the following information on XX/XX/2022 at XXXX pm. On XX/XX/2022 I called WebsterBank once again to find out the status of the transfer and was told my drivers license was not sufficient. While the agent was on the phone I sent yet another picture of my drivers license in an email. The agent, XXXX, states she has received the information and will forward it to the back office. What exactly is the back office? All I know is that WebsterBamk has my money and will not send to my other savings account. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: PA

Complaint narrative:
hi im just making a follow-up on the dispute letter that I sent on XX/XX/2021. its been over XXXX months, I thought I would get a response from your company after XXXX to XXXX  days but it seems like you didn't take it seriously. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. I will await for your response.

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 2022-02-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: World Acceptance Corporation
State: AL

Complaint narrative:
On XX/XX/XXXX I sent a cease and desist letter to World Finance in XXXX, AL pursuant to my rights under the Fair Debt Collection Practices Act. The cease and desist requested that communication with me, as well as my family and friends cease in relation to any debts that the company alleged that I owe. Prior to sending the cease and desist I was contacted at my place of employment multiple times, in which I advised that I can not accept personal calls during working hours. The calls continued. On XX/XX/XXXX another family member was called. I then called World Finance in XXXX, AL advising them of the cease and desist that was sent - I also asked that they cease communication with me again. XXXX of World Finance again called me at XXXX XXXX  on XX/XX/XXXX via cell phone, and XXXX XXXX  on XX/XX/XXXX at my place of employment. I am well aware of the remedy and legal action that can be taken against debt collectors for the violation of consumers right, in this case my rights have been violated numerous times by the harassing behavior of this company. It has caused stress and turmoil to me at work, as well as stress to my family members for repeatedly being called after they asked not to be contacted anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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:
When my XXXX and I visited XXXX XXXX in XXXX, PA, we did the tour, he took all the tests, we submitted all the applications for tuition assistance, etc. We were told before we left that day that he qualified for FULL TUITION scholarship. We were also told that he would be given a job while he was attending school so he would have money for living expenses. We WERE TOLD that they had food vouchers for the students- which turned out to be a complete lie. The " job '' they gave him was to sit by a phone and wait for it to ring. He has high XXXX and needs to keep active. They knew I lived XXXX hours from campus, was a single parent barely holding it together financially. An incident occurred at the dorm where a student was XXXX and vandalized a fire extinguisher which in turn summoned the fire department. My XXXX  was trying to stop the drunk student and got blamed for the incident and evicted from the dorm. This was XXXX MONTH prior to graduation. He was permitted to continue classes, but had nowhere to live in the meantime. I was told I could appeal the eviction, which I did- but was told it was too late. They didn't fax me the proper paperwork timely and I faxed back the required information within minutes after I received it. XXXX months later I get a bill from XXXX XXXX that I OWE THEM over {$25000.00}! I have told this story probably XXXX times to different organizations and NOT XXXX person has done anything about it. It's been XXXX years now and I am still struggling to pay the loans that WE WOULD NEVER have agreed to in the first place. The school is closed now and my son has a " Certificate '' and does not work in his field of study. He's a maintenance person for the most part and has learned some other on-the-job skills that are worth more than a certificate from a dishonest school. The person we spoke to the day we toured and registered has NEVER EVER returned my call. I know this is years ago, but every single time I see how much money I owe for something that we were scammed out of, it makes me really, really, really mad.

Company response to consumer: Closed with explanation