vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
My savings account at Huntington Bank had XXXX withdrawals in XX/XX/2024 that wiped out my saving account of over {$11000.00}. I filed a complaint about the savings account and checking account. The checking account money was returned while the savings account has not been returned. It's been over a month since I filed my complaint. Today, I called and found out the investigation had been closed. Huntington investigators claimed that the money was taken by a device used for the past year. I had them re-open the case as fraud. Huntington did not associate the theft of the checking account with my savings account. I never authorized any withdrawals. This is clearly fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-04 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: GA

Complaint narrative:
Opened a dispute with Chime banking, provided all evidence the company I bought from never provided product, they denied my dispute saying no error. They reopened, I provided more evidence including all packages from XXXX, proof of messages between seller and I, transaction, provided more proof that they stated the seller didn't even respond to dispute or show any evidence of sending or attempting to send a product. I ask chat, they refer me to email, I email, they refer me to chat, I tell them both this and they say call, I call and they refer me to email. No one is answering or updating me about it or telling me any information as to why or what I can do. Many many complaints from thousands about chime and their dispute department and how they have all proof and still denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
In XXXX multiple items of identity were stolen and I have experience identify theft since. After pulling my credit report in XXXX of this year I noticed there was a hard inquiry for a XXXX credit card on XX/XX/XXXX, a OneMain personal loan application on XX/XX/XXXX, and an additional OneMain personal loan application on XX/XX/XXXX. These accounts were not applied for by me nor did any one have my permission to open them. In addition there was fraudulent activity on a XXXX credit card starting in XXXX XXXX XXXXXXXX. I reported the activity to XXXX  and they put the card on hold and deferred payment until the issue was resolved and that it would not be reported as late to the credit bureaus. XXXX did not close the account or issue me a new account number, as they told me I had to pay the balance to get issued a new account number however the charges were fraud. There are a total of 14 late payments all of which are due to graduate activity and XXXX  telling me they would investigate the charges. XXXX finally issued me a new account number this year when I paid the balance of the card down to {$0.00} despite fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Under the FCRA, consumers have the right to sue credit reporting agencies or furnishers of information ( such as creditors or debt collectors ) for violations. 

Key Points of the FCRA : Damages for Willful Violations : If a credit reporting agency or information furnisher willfully violates the FCRA, a consumer can sue for actual damages ( including emotional distress ), statutory damages ( ranging from {$100.00} to {$1000.00} per violation ), punitive damages, and attorney 's fees. 
Damages for Negligent Violations : For negligent violations, a consumer can recover actual damages, along with attorney 's fees. 
Examples of Violations : Failure to correct inaccurate information on a credit report after being notified. 
Not providing proper notice of a negative action based on a credit report. 
Failing to investigate a dispute properly. 
Statute of Limitations : Lawsuits under the FCRA must be filed within two years from the date of discovery of the violation or five years from the date of the violation, whichever is earlier.

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 2024-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: AL

Complaint narrative:
Aggressive threatening calls, misinformation about debt I do not owe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: ND

Complaint narrative:
Last Friday, XX/XX/2024 my buddy sent me {$850.00} via Venmo. It showed up in my account like normal however, as soon as I tried to make any transaction whatsoever, I tried to transfer it to my debit card on file and which Ive done before I tried to buy cryptocurrency I tried to send it to my friend so he could try another way to give me the money, however, I was stopped multiple times with fail transactions when reaching out to Venmo support, they took an extensive amount of time to get back to me and when they did, they let me know that he needs to verify my identity so I did and instantly to make transaction however they froze my account again I went through the process again to get my account unfrozen and the transactions that I tried to make once my account was unfrozen just last night XXXX XXXX I was not able to make any transactions so my money has been stuck in this account since I received it and nobody over there can tell me why or what the reason is just a system flag so I can however make a standard transfer which could take up to five days that is ridiculous. As I mentioned to them I was traveling and I needed the funds when matter why I needed the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: TN

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 number : XXXX, Account name : XXXX XXXX XXXX I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-04 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
XX/XX/year> Dept. of Veterans Affairs Lender # XXXX Servicer # XXXX VA Home Loan # XXXX Good morning, I would like to formally file a complaint against our VA home loan lender, PennyMac. There is a {$600.00} delta between the loan estimate document ( {$2500.00}, including {$730.00} in escrow for taxes and insurance ) and the actual amount due ( {$1900.00}, with {$180.00} in escrow for taxes and insurance ).

We selected them to do a VA refinance home loan based on the estimated payments, which, as noted above, included taxes and insurance rolled into the payment. When we closed on the loan on XX/XX/XXXX, it was clear the numbers did not match up, and the closer ( who came to our home ) pressured us to sign, telling us that it would be an easy fix for PennyMac to correct the numbers to include the escrow into the payments.

Unfortunately, it has not been an easy fix for PennyMac, as it has been difficult to get anyone to acknowledge the error at all. When we first called PennyMacs help line, the agent couldnt tell us why the numbers didnt come even remotely close, and that was it. No escalation, no well look into it further, nothing. We then called the loan officer, XXXX XXXX, who said she would look into it. After not hearing anything back, I emailed her again on Fri, XX/XX/XXXX, trying to this resolved, and she responded that she had escalated it to the closing and operations team on XX/XX/XXXX, but we still have no contact from PennyMac, and no resolution.

It has been one month since we closed, and we first brought this to PennyMacs attention ( it is unbelievable to me that they didnt catch this themselves prior to closing, and they went through the closing process willfully, with such grossly inaccurate numbers ). The only way we get information, is when we are persistent ; not one single time has PennyMac reached out to us to inform us about what is going on, what the issue is, or when it will be fixed. It is stressful because if the escrow is not included in the payment as was originally promised in the loan estimate it will cause us to be short on the escrow amount due, which we want to avoid.

This has been a very frustrating experience, and one that is likely to have severe financial repercussions for us if the error is not corrected. We planned for, and expected, the payment amounts to be very close to the estimate document, which is what we based our decision on. To date one month after closing we still do not know what exactly our monthly payment will be, and that, to me, is unacceptable. 

Please feel free to reach out me or my wife directly for more information ( contact information is below. ) Respectfully, 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

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-04 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: FL

Complaint narrative:
Received an email from Aidvantage in XXXX of XXXX that the discharge process would take 7 months. It is now XX/XX/XXXX and I still waiting on them to process my loan discharge. I have been advised by the Borrowers defense/Department of education that they have sent Aidvantage instructions to discharge my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I am having significant issues with Experian to freeze my account. After I set up my account with the basics ( name, XXXX, username/password ), the website brought up a screen that said : " We're having trouble verifying your identity. Please call XXXX for assistance. '' When I called that number, there is no way to reach a human being and no way to help set up the account. Saying things like " technical support, '' " website assistance, '' " representative, '' etc. -- or even pressing " XXXX '' results in a recording saying that it can only transfer people in limited circumstances and to try the self-service options. The self-service options are very limited, and none are what I need. Nor can I find any further information on the website. I finally resorted to putting a complaint on Experian 's XXXX page, where there were a number of other complaints under a recent post, and " someone '' said to private message them. I prefer not to use XXXX to resolve these sorts of issues. 

More importantly, with Experian being one of three credit reporting agencies that are used to establish and track a person 's credit -- and assist when security breaches are rampant, such as RIGHT NOW -- a company such as this should be OBLIGATED to have a system in operation to help consumers PROTECT THEIR CREDIT REPORTS AND SCORES. 

Please assist in this matter. While searching for work-arounds, I see there have been numerous issues with Experian with this exact problem, stemming back to at least the beginning of this year. Please do not force me to start contacting my federal representatives in this matter. 

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On or around XX/XX/year> I made a hotel reservation with The XXXX hotel in the amount of {$2100.00}. Shortly after I made this reservation I was placed on active orders by my XXXX XXXX XXXX unit and would not be able to make my trip to the Hardrock because I would be activated and out of state during that time. 

On the XXXX website it specifically states no refunds will be given ; however, since I was activated for military purposes and my reason for missing the reservation was beyond my control I contacted the bank I use USAA. 

I made a dispute for the credit card transaction and provided the necessary documentation showing I was called for military service. USAA temporarily gave me credit for the dispute, but two months later on XX/XX/year> I noticed the charge for the XXXX was added back to the total amount due on my credit card. 

I contacted USAA and spoke to a customer service representative and she stated the person handling the dispute missed the my supporting documentation submitted so the USAA representative made a note to reopen my original dispute and resubmitted my supporting documentation. I was told I would receive confirmation of the dispute and I was not liable for charge due to military mobilization. I never received confirmation from my call to USAA. 

On XX/XX/year> I again contacted USAA about this dispute and was told by representative I spoke with that although the person handling my dispute had the documents showing my military activation, XXXX XXXX has their no refunds policy on their website, & USAA having everything they needed to take this charge off my credit card the person handling my dispute wanted something from Hardrock in writing about their refund policy. At this point I asked for the supervisor of the person handling my dispute to call me directly. The USAA representative made notes about the call and said the supervisor would be contacting me by 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 explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
{$3000.00} debt to TRANSWORLD SYSTEMS INC. 
Opened XX/XX/XXXX debt ref # XXXX I never received any type of debt collection notice to any of my valid addresses from then to now. The debt was never verified with me nor the collection agencies. I only found out after independently checking my credit report. 

After digging around, found an XXXX XXXX account fraudulently opened since XXXX at XXXX XXXX XXXX. XXXX MD. I've never lived in MD or have any association with anyone in that area. I also have never held an XXXX mobile account. 

I had already reported identity theft due to the leak from the credit bureau from years ago and a previous attempt at fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Upon thoroughly going over my recent credit report, I found several accounts that appear to be fraudulent and were added without my knowledge.

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 2024-09-04 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: DISCOVER BANK
State: PA

Complaint narrative:
Discover Bank has on my credit file this credit card. 

I never applied for this card nor giving my personal information or requested no Discover Credit Card. 

Discover needs to provide proof of me applying for this card signatures and all charges made by me signatures XXXX I never made no charges on any discover card or applied.

Company response to consumer: Closed with non-monetary relief