vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/24 {$4500.00} was taken from joint account. Called Navy Federal Credit Union XXXX was told by debt collections department that {$4500.00} was taken from joint checking account despite this being a sole individual credit card debt and not joint credit card debt. Navy federal credit union stated that they could even take the funds acknowledging that they did not have to adhere to the statute of limitations regarding credit card debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: PA

Complaint narrative:
In XXXX, my account with Mohela was placed into administrative forbearance due to Mohela incorrectly billing people. I received notification that this would still count towards my PSLF. Again, in XXXX, my account was placed into processing forbearance since mohela was delayed in processing my new IDR plan. Again, I received communication that this would count to my PSLF counts. On my account, both months are showing as ineligible for PSLF. I was informed my multiple Mohela employees ( XXXX, XXXX, and XXXX ) over XXXX separate calls that despite it showing up that way on the website, if I submit the employment recertification/verification, XXXX and XXXX would be counted as eligible. So, i submitted the requested paperwork and received my results today ( XX/XX/XXXX ). XXXX and XXXX were NOT counted towards my PSLF. Additionally, they also did not count XXXX for my unsubsidzed loans ( only towards subsidized ). This makes so sense, as my account is not in forbearance and I paid my XXXX bill in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I ordered a balance transfer to be sent from my account at CitiBank XXXX Credit Card to XXXX XXXX on XXXX. The mistake was due to the money being sent to XXXX the money app and NOT to XXXX XXXX  so I contacted CitiBank to let them know on XXXX A customer rep said she would file a dispute ( I was later told it should have been an investigation ) as to where the money was sent. Citi sent me a proof of payment which was useless to XXXX XXXX  as these were CitiBank internal numbers??!! 
In XX/XX/2024 after hearing nothing I again spoke to customer service and a manager at Citi. Then many phone calls afterwards and many managers promising to fix it. I finally sent Citi a Certified letter dated XXXX ( attached ) explaining that nothing had been solved in XXXX months. 
After sending this letter in XXXX and another letter dated XX/XX/XXXX to XXXX XXXX, and after calling yet again I received a letter from Citi dated XX/XX/XXXX saying they couldn't do anything because the transaction was too old!!! I have been writing and calling for three months. It's too old because CITIBANK credit card has NOT solved the issue. 

So I need help PLEASE. 

CITI needs to find exactly where they sent the money and request it back. I NO LONGER want them to do any balance transfers for me. Let them find the {$1400.00} they sent, REMOVE IT FROM MY BALANCE and keep the money they sent to the WRONG recipient. 
Thank you so much for contacting them on my behalf. I await their response/your response. 
Sincerely, 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 2024-04-10 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: NV

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have wrong names and adresses and also I have several accounts that I want Validated by law

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 2024-04-10 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I requested to close my escrow account ( my mortgage is not paid off ). My request was granted, but they are charging me almost {$300.00} to do it. Is that a valid charge? I just want them to write me a check for my escrow balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: KY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX  Date of inquiry : XX/XX/year>, XXXX  Date of inquiry : XX/XX/year>, XXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX  Date of inquiry : XX/XX/year>, XXXX XXXX Date of inquiry : XX/XX/year>, XXXX Date of inquiry : XX/XX/year>, XXXX XXXX Date of inquiry : XX/XX/year>, XXXX  Date of inquiry : XX/XX/year>, XXXX Date of inquiry : XX/XX/year>, XXXX  Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year>, XXXXXXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX  Date of inquiry : XX/XX/year>, XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX XXXX  Date of inquiry : XX/XX/year>, XXXX XXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX  Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year>

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 2024-04-10 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: KY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX  Date of inquiry : XX/XX/2023, XXXX  Date of inquiry : XX/XX/2023, XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XX/XX/2023, XXXX XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX XXXX Date of inquiry : XX/XX/2023XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
My draft wasnt coming out but all the messages I received on there website claimed it was coming out I wasnt contacted about it until after XXXX days of being late no calls emails etc I was assessed several XXXX and late fees do to this I spoke with XXXX XXXX # XXXX he lied to me about his badge number XXXX so I told him I would trace the call so hopefully that is a badge number he first said they tried to reach me by email and then claimed they called XXXX when I asked if I produced my phone records and proved they never called he said I could send it but the decision was already made and I wouldnt be refunded. He refused to let me speak to his supervisor and said that he word was finall. I should be reimbursed for the fees and XXXX charges this company lied and keeps lying even when you have proof. I tried to produce emails and phone record to prove they never called they still wouldnt do the right thing and reverse the fees they just continue lying At this point its not even about the money its about the principal that a company would continue to lie and not try to correct their wrongdoing. Im assuming the webpage is automated and automatically said payment received even if it wasnt but waiting XXXX days to tell me payments werent going through and its close to being sent to collections and having to pay XXXX  months all at once to keep for going to collections because they neglected to inform you and there own website claims payment received. Never use XXXX the loan rate was average but customer service was horrific its by far the worse company Ive ever dealt with the is my first time reporting a complaint but its the principal they know they did wrong and lied and refused to correct it even when you can prove they didnt call email or try to notify you until after XXXX days and almost too late to pay I honestly believe they were hoping it would go to collections so they could use it as a tax write off

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 2024-04-10 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: WA

Complaint narrative:
Was mugged on street in XXXX and forced to give my credit card under threat as thugs were getting frustrated with my refusal to cooperate. Provided card in which they stole everyone on card, about {$220.00} and ran off. They attempted to pull out over {$850.00}, which was declined. I called credit card company when I was able to charge my phone at car, had to ride light rail back to station. They put in as unauthorized transaction. I called Police to make report and spoke with officer several hours later when they called back. My credit card company dispute was denied, I called back and they relabeled despite as Goods/Services not as described and I gave police report number. Again it was denied. I called back 3rd time for despite to understand why they are not returning funds after I clearly mentioned multiple times that this was stolen from me, without my consent and against my will. After threatening to cancel my account and report to XXXX  they offered to reopen again and needed police report, which again will cost me money to get as a Fee as well as time for them to complete. I don't understand why they work so hard to allow criminals to keep funds instead of reversing them and allow the merchant to come for the funds if they feel its legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2024-04-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A dispute letter was sent in on XXXX XXXX I contacted Experian to make sure letters was received. I spoke to several representatives that were rude and one even to me that Experian is a private company and the make there own rules. The dispute department has refused to process my written dispute which is in violation of the Fcra guidelines. The following items need to be disputed immediately XXXX XXXX XXXX- this account is being reported incorrectly XXXX XXXX XXXX this account is being reported incorrectly XXXX XXXX XXXX- this account is being reported incorrectly XXXX XXXX XXXX -duplicate account XXXX XXXX never had a contract wit. This debt collector XXXX XXXX never had a contract with this debt collector XXXX XXXX late payments ( 15 usc 166b ) a creditor cant treat a late payment as late for any purpose XXXX XXXX XXXX-late payments ( 15 usc 166b ) a creditor cant treat a late payment as late for any purpose

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 2024-04-10 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: EQUIFAX, 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. 

Account Name : DEPTEDXXXX Account XXXX Account Name : U S DEPT OF EDXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2024-04-10 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:
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. 

Account Name : DEPTEDXXXX Account XXXX Account Name : U S DEPT OF EDXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX the individual consumer an natural person, did not give permission to NCB Management Services Incorporated to obtain my nonpublic personal information. This company are in violation of 15 usc 1692d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 15 usc 1681q - Obtaining information under false pretenses. Any person who knowingly and willfully obtaines information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 usc 1692 b- Acquisition of location ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; XXXX  are in violation of 15 usc 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) ( B ) ( C ), XXXX did not clearly and conspicuously disclose to me that such information were being disclosed to a third party ; nor was I given the opportunity to opt out of my information being disclosed, before the time that such information was disclosed. Also I was not given an explanation of how I could exercise that nondisclosure option by XXXX agents. My right to privacy have been infringed upon.

Company response to consumer: Closed with explanation