vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
In XXXX of XXXX, I started working with a Credit repair company by the name of XXXX to help me remove some late payments off of some accounts on my credit report. On XX/XX/XXXX I found out when I got a call from our local bank that they had received 35 pages in a XXXX  envelope with my name and address as the sender when the credit repair is who sent it not me. My grandfather passed away on the XXXX of XXXX which I was in XXXX with him until he passed and got this call as I was heading back to XXXX where I live so during this time I didn't think of all the companies I needed to call or who had gotten a letter as well the credit repair company told me that they would not have done this and blamed it on XXXX and we all know XXXX doesn't do that! Since all of this I had to pay {$200.00} to get out of my contract with the credit repair company this has all been a nightmare for me especially after losing my grandfather in the middle of all this. All other companies that got a dispute have been so easy to work with and saw that the dispute was not accurate and mailed me a new card for my protection. But then there is Comenity Bank where I have a XXXX  & Victoria Secrets card for many years with gets the dispute Closes my account on XX/XX/XXXX with out my knowledge no letter, email or phone call at all and apparently you have 7 days to reopen the account which I found out on XX/XX/XXXX that my accounts had been closed I spoke to every person at Comenity to help me with this matter and I just kept getting told they can not reopen my account and to reapply well with what I have going on who is going to approve me NOT MY PROBLEM they should have contacted me all of the other banks did so when I never received anything in the mail or heard from Comenity I thought they either by a miracle didn't receive a dispute letter or did and saw that it wasn't relevant! They should have contacted me my accounts were in good standing who closes good standing accounts with out notifying the account holder if I would have never tried to use my XXXX account I wouldn't have known today that my accounts were closed they need to reopen my accounts this was not my fault and bad business on their end to not notify me through mail, email or by phone there is not excuse for this and now with the closed account status on my credit score will drop! I have no documents to send because comenity sent me nothing and the companies that received letters told me by law they couldn't send me what they received! please help me fix this matter I could only add one card number so I'm sending in another complaint so I can add the other credit card number!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Receivable Management Services LLC
State: MT

Complaint narrative:
Today I received a call from ( XXXX ) XXXX XXXX. The caller asked to speak with me and then requested personal information. I inquired who the person was and that the purpose of the call was ; the person stated they worked for Receivable management services. I asked if this was an attempt to collect a debt. They told me they were not allowed to tell me that. I said on the contrary they are legally required to tell me if this is an attempt to collect a debt. The caller refused to answer stating that they needed my information to verify the account before she could identify the purpose of the call. I requested contact information and she stated that she worked for the company named above, her name was XXXX XXXX and that the mailing address was XXXX XXXX XXXX in XXXX PA. I again asked if this is an attempt to collect a debt and she refused to answer. I requested a supervisor ; she stated the supervisor was at lunch. ( Call came in at XXXX which would be XXXX her time, so a little hard to believe ). I did XXXX this company and they are notorious debt collectors. I dont know if any debts Ive failed to pay so I cant think of a legitimate reason for this company to be reaching out to me. In the end though, their failure to identify themselves is a violation.

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 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022, I've initiated a balance transfer of {$3000.00} from my XXXX credit card to Capital One credit card. They claim that the balance transfer should take 2-4 business days to complete. On XX/XX/XXXX, the balance transfer posted on my XXXX credit card account, however, today, XX/XX/XXXX, the money is still not in the Capital One account. I've called Capital One and they assured me they don't have anything incoming from XXXX bank towards my account. Now, XXXX claims that everything is correct on their end and the money was sent successfully and received by Capital One. Capital One claims that they never received the money. Each side tells me to go and talk to the other side about this without actually opening investigation or trying to resolve the issue. My money disappeared somewhere in-between and nobody is doing anything to find it, but the best part is, XXXX bank posted this transaction to my account- so now I'm still responsible for paying it back to them, even though I never received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2022-11-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
XX/XX/2022 I supposed to receive a deposit for {$150.00} to PNC BANK. PNC BANK told me that the deposit was rejected the same day due to closed account. I've waited a whole month thinking that the deposit was sent back to the sender and would come in a check because it was rejected by the bank. But instead, I was lied to and they kept the deposit and forward it to collections without my knowledge or consent. I just discovered this information today XX/XX/2022 because it has been quite a while. 
I really need help. I didn't like the fact that I've called several times and was told the same thing instead of them telling me otherwise. That was very dishonest and untrustworthy of a bank. I would like my {$150.00} back please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I received numerous emails from Bank of America. It started at XXXX on XX/XX/2022 with an email stating an online application is in progress with a confirmation number. The another email to verify my email address. Then 2 minutes later I got your application was approved. Your new account is open. Next a welcome to online and mobile banking. Your enrolled in Online banking and mobile banking. Then an email that my email address was updated. And lastly, We're confirming your contact information has been changed. Your address or phone number was changed on XX/XX/2022. I drove to the local branch to ask about all these email 's that I am receiving because I never banked with Bank of America before. Or did I open an account today on XXXX. I was an authorize user years ago on my dad 's credit card. And the name on the account was the same incorrect spelling of my XXXX name that was on a credit card long time ago. Also, I am married now so my last name is no longer exist. I am guessing Bank of America got hacked. I personally don't think someone has all my information. Bank of America confirmed that an account is open in my name under my social security number. I was giving a XXXX XXXX XXXX number to call. I have been on hold for an hour and twelve minutes to get the wrong department. Now I am on hold again. Finally got a representative who started a claim. Next step is to do a security freeze on all three credit bureau. The representative claims the account was closed.

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 2022-11-04 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: CA

Complaint narrative:
I have contacted my bank and explained over a dozen times about an unauthorized transaction made on my account however the bank chooses to not do anything about the matter. After submitting two disputes that went no where, I requested for my claim to be escalated to corporate office to which I am told, there is no corporate office and that there is no one my case can be forwarded to other than a floor supervisor who knowledge is on the same level of a call center employee. The fraudulent case was not appropriately or diligently investigated or resolved and in order to find out more information about my case I have to wait for an email which may take 10 days to receive. Furthermore, to submit disputes, it has to be done via email that will be responded to by an auto generated email. Everytime I have spoken with someone, it was because I called them. No one responds to the emails you send. Also, when I call and speak to someone, I am constantly having to explain my issue over again because my previous call was not thoroughly documented. Chime should be shut down for this type of negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: HI

Complaint narrative:
I have been stuck in the process of the PSLF since XXXX with no sign of resolution. My loan was transferred to Mohela at the beginning of XXXX and I am no closer to forgiveness than I was then. 

My PSLF payment count is actually lower on Mohela than XXXX and the PSLF tracker at Mohela shows no information. 

I have received no communication since my transfer other than when I call, and I have been given dates for forgiveness ( end of XXXX, end of XXXX ) that have been patently false. 

When I do make the mistake of calling Mohela, the average hold time is over three hours. On three occasions, I have been on hold that long only to be disconnected with an automated message about busy lines. 

I have nowhere to turn for information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My rent check on my TD Bank checking account was fraudulently washed and personally cashed. The rent check is from XX/XX/2022. I filled out all the necessary paperwork with my bank and was supposed to get the funds put back in my account between 60-90 days. It has now been over 4 months. The amount was for {$1100.00} TD Bank XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  the Capital One account opened on XXXX XXXX has violated my writes. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/2022 I had {$920.00} & XX/XX/XXXX. XXXX  {$240.00} withdrawn from my checking account without my consent! It caused overdraft fees of {$250.00}. I called US Bank immediately to report what I thought was fraud. I spent XXXX hours on XXXX XXXX and spoke to XXXX departments. Today XXXX, XXXX I spent XXXX hours and spoke to XXXX people! US Bank acknowledged they took the funds and claim its for a old charged off line of credit but I never had a line or credit! I cant get proof from them because nobody is 100 % sure. In the meantime it has now bounced my car payment and left me in a negative account balance and I need money! This is fraud in my eyes!!!! Help please!

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 2022-11-04 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: GA

Complaint narrative:
Please help, I noticed inaccurate accounts associated with my credit reports from TransUnion, XXXX, and XXXX. For the past three to four months, I have called as well as mailed all three companies to immediately remove said accounts from my report. My TransUnion credit report is showing a charge off with an amount of {$8300.00}, ( charge offs should not carry a balance and should be deleted from my report ). As well as two inquiries that I did not authorize ( plus they're not associated with any open accounts ). My XXXX shows that I have two charge offs for {$8300.00}, {$1000.00} and two inquires. These two should also be deleted as stated earlier regarding charge offs and unauthorized inquires not associated with an account. XXXX shows two charge offs for {$8300.00}, {$1000.00} and should be deleted. They also should update my consumer report to reflect these changes. They have failed to do so and it has cost me greatly the access to obtain credit. My interest rates are higher, I am unable to get a mortgage, and live a decent life with my family. Please help me by enforcing these companies to take action by removing the accounts I have mentioned in the letters I have sent to them. 

Your service is appreciated. 

God bless,

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 2022-11-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
collection accounts- In your letter, say its illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. I never received a 1099-1. Remove this information from my consumer reports immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$290.00} Late Payment 15 U.S.C 6802 Gramm-Leach-Bliley 15 USC 6802 ( a ) ( a ) Notice requirements Except as otherwise provided in this subchapter , a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

-a court and a credit bureau are nonaffiliated third party institution.

Non personal information means personally identifiable financial information ( address, name, phone number, social security number, credit report information, late payments, student loans, bankruptcy, etc ) XXXX  XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
collection accounts- In your letter, say its illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. I never received a 1099-1. Remove this information from my consumer reports immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0.00} Late Payment 15 U.S.C 6802 Gramm-Leach-Bliley 15 USC 6802 ( a ) ( a ) Notice requirements Except as otherwise provided in this subchapter , a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

-a court and a credit bureau are nonaffiliated third party institution.

Non personal information means personally identifiable financial information ( address, name, phone number, social security number, credit report information, late payments, student loans, bankruptcy, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: MN

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

15 U.S.C 1681 section 604 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.

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 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Experian Information Solutions Inc.
State: FL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy

Company response to consumer: Closed with non-monetary relief