vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
New set of problems with PNC Business checking ( XXXX XXXX XXXXt ) Issue # XXXX : PNC is restricting my account in terms of how much amount of money I can get out of this account by ACH. There are no free checks provided and XXXX is limited so how somebody like me can do the business? When I talked to PNC local branch manager ( XXXX ) -I am told that buy some pinnacle kind of service to have higher limit, what? Why in the world PNC bank going to tell me how i should run my business and when I need to pay something and how much? if there is a fraud going on then it's fine but why otherwise? it seems PNC is just looking for creative ways to get money out from the customer. 
Issue # 2 : Some very basic stuff also - like knowing account # and routing #... it is not straight forward and I need to provide mobile OTP to get it. This is ridiculous. 
Issue # 3 : Customer service is never available. There is recorded message that it is 20 minutes of wait... NO even after 1 hour ... there is nobody ... then they say-you can provide your phone # to save your spot in line and we will call you back... I have got the calls after 4 days in the past. 
Issue # 4. PNC challenges me with questions - like what was the license plate number of the car that i was owning in 2005. Do you think that it is reasonable to expect that a XXXX years old guy will remember the license plate number of their car - may be 17 years back???? This is ridiculous. 
Issue # 5 : If i have setup a ACH out transaction in future and want to edit it then i can not, i can only reduce the amount of that transaction but can not cancel it. That's really so outdated banking.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have noticed Experian furnishing information on my credit report that I never gave the permission to furnish. Experian is reporting late payments on multiple accounts and multiple dates. I never gave Experian written permission any Information pertaining to late payments because I also paid as agreed. According to 15 usc 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other ... .. in accordance with the written instructions of the consumer to whom it relates. I have reached out to Experian over 30days ago.

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 2022-05-04 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.

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 2022-05-04 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: NAVY FEDERAL CREDIT UNION
State: PR

Complaint narrative:
In accordance the Fair Credit reporting act Navy federal account # XXXX, and account # XXXX has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy ; 15 USC 1681 Section 604 A section 2 : it also states the consumer reporting agency can not furnish an account without my written instructions ; 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were INACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. Since I have made this request multiple times, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. I respectfully request to be provided proof of these alleged items, specifically the contract, note, or other instrument bearing my signature established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. App. XXXX XXXX You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. At this point, prompt deletions of the disputed accounts is a must.

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 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
I had a purchase through Chime debit card that turned out to be a fake website with no working email and no support contact. I reported to Chime right away that my card had been used for a fraudulent transaction. They took absolutely no action to secure my account, so after many ignored chat messages to their customer service, I finally closed my account. Then, because I transferred my money to a secure bank, and thought I had overdraft protection ( evidently just card transactions ). My ACH debit was returned and I had to pay a {$40.00} fee because Chime is too incompetent to issue a new card in a fraud case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Wakefield and associates place the collection on my credit report approximately XX/XX/XXXX I did not recognize this and sent them a letter stating that I was a victim of identity theft and I also reported it to the credit bureau which was XXXX XXXX and XXXX it was removed from my credit report due to identity theft and several weeks later it was placed on again I reported it again is identity theft and it was removed as of XX/XX/XXXX it is back on my credit report again reporting with a different account number after they know that this is identity theft and I am a victim of identity theft and I have sent them documentation stating that I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: VA

Complaint narrative:
XX/XX/2022 : Initiated a payment through the Lending Point app in order to process an additional Principal only payment for the amount of {$2000.00}. Called a representative to make sure that this additional payment was going towards principal only. The rep told me that they could not process it as principal only so I asked them to cancel the transaction and that I wouldn't make an additional payment if it would not be applied towards the principal. The representative told me that she wasn't able to do that and informed me to set up a stop payment with my bank. I set up a stop payment with my bank. The representative then without telling me voids the transaction. I call to set up a principal only transaction with a different representative who goes by Unique and " they have no idea what happened to the last transaction ''. They then inform me named that the rep prior did not know what she was talking about and admitted that this fee should not have been assessed. Their calls are recorded. 

XX/XX/2022 : I was assessed a {$30.00} stop payment fee. I call and send in an email providing documentation that the stop payment was assessed. They " submit a ticket '' in order to have this rectified. Silence for two weeks. I send a follow up email, radio silence. I follow up with additional phone calls, no response. Many " tickets '' have been created with no results. Only when I threatened to file a CFPB complaint did they want to start the refund process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: MS

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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.

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 2022-05-04 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: LEXISNEXIS
State: IL

Complaint narrative:
I wrote a letter to Court house and received their response regarding the Bankruptcy Chapter XXXX I have on file stating that they don't report any Bankruptcy to credit bureaus as well as I also received the response from LEXINEXIS for XXXX that this Bankruptcy should be remove, delete to my credit report ASAP Chapter XXXX Bankruptcy Reference # : XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I contacted Truist today ( XX/XX/22 ) in regards to an unknown payment of {$1700.00}, on XX/XX/22, that was showing up on my account. I had never made a payment for {$1700.00} nor was this payment reported on my XXXX XXXX bank statement. After speaking with a representative, they were not able to give me any information in regards to this payment. After sending the representative a screenshot of the payment that was showing on my Truist account, they still could not offer any information. 

I also contracted Truist in regards to a scheduled payment. On XX/XX/22, I scheduled a payment for {$1500.00} to be processed on XX/XX/22. I called to verify the scheduled payment since the website and app would not confirm the payment. In addition, I did not receive a confirmation e-mail. Although the payment was showing that it had been submitted XX/XX/22, it did not confirm that an actual schedule payment for XX/XX/22 was made. Oddly, the representative was not able to confirm that my payment was scheduled for XX/XX/22. I'm not sure how this is possible being that they have more access to my account than I do. In addition, the representative insisted I use the edit payment option in my portal ; at which time I noticed I no longer had access to this option. I may add, this same scenario happened last month, thus my current complaint to CFPB. It is odd that Truist is unable to resolve these minor customer issues which can ultimately cause financial hardship if they are not able to offer their customers the appropriate level of service in regards to fraudulent activity and misappropriated payments.

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 2022-05-04 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: CITIBANK, N.A.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 explanation
Consumer complaint received 2022-05-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were INACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. Since I have made this request multiple times, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. I respectfully request to be provided proof of these alleged items, specifically the contract, note, or other instrument bearing my signature established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509 You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. At this point, prompt deletions of the disputed accounts is a must.

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 2022-05-04 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.

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 2022-05-04 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Could not Prove this debt belongs to me

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 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Hello, On XX/XX/XXXX, due to unfortunate processing time, my bills were drafted from my checking account at Bank of America 1 day prior to my paycheck being deposited. This resulted in 2 overdraft fees from Bank of America both of which were {$35.00}. In XX/XX/XXXX, Bank of America put out a press release stating that overdraft fees would be reduced to {$10.00} in XXXX. That was a false statement. I contacted customer service to resolve the issue and they advised me that they could not change the fee because the date overdraft fees would reduce to {$10.00} was XX/XX/XXXX. This is very misleading to consumers and I believe it to be fraudulent. Bank of America has a history of misleading and taking advantage of consumers and it needs to end.

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 2022-05-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I disputed a collection on my credit report 's all 3 of them by doing a dispute online and then by letter asking to remove inaccurate credit information ( XXXX XXXX XXXX ) bought a bad debt which had been charged off by the original creditor that has fallen off my credit report, I did not have a contract with them and they are reporting on my credit report and by law you must not report any inaccurate information on my credit report and that is inaccurate because I didn't have a contract with XXXX XXXX XXXX, when I checked with Experian I was told it was valid!

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 2022-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Didnt get any information to verify this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

1. Invalidated Inaccurate unauthorized inquiry. 
BK OF AMER Date of inquiry : XX/XX/XXXX PLEASE DELETE IT FROM MY CREDIT REPORT. 

2. Unverified Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Unverified Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Unverified Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. Unverified Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. Unverified Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. Unverified Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

8. Unverified Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

9. Unverified Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

10. Unverified Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

11. The last reported date is XX/XX/XXXX but according to the other credit bureaus the last reported date is XX/XX/XXXX and XX/XX/XXXX. That can not be possible. How can an account have different last reported dates if the information is coming from the same s XXXX Account Number : XXXX PLEASE DELETE IT FROM MY CREDIT REPORT. 

12. Unverified Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX PLEASE DELETE IT FROM MY CREDIT REPORT. 

14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE DELETE IT FROM MY CREDIT REPORT. 

15. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE DELETE IT FROM MY CREDIT REPORT. 

16. The inquiry was not authorized BK OF AMER Date of inquiry : XX/XX/XXXX PLEASE DELETE IT FROM MY CREDIT REPORT. 

17. The inquiry was not authorized BK OF AMER Account Number : XX/XX/XXXX 18. BK OF AMER Date of inquiry : XX/XX/XXXX 19. XXXX XXXX XXXX Account Number : XXXX Thank You Sincerely yours, 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