vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
FDIC Referral - XXXX I have numerous examples over the last year where I was charged an Overdraft Fee on a Transaction, that, when the transaction was processed I still had a positive balance on my account according to my bank statements. I have highlighted statements from the bank that shows there was a positive balance but the fee was charged and when that fee was charged, there was, in some cases, a ripple effect that added additional fees. 

For example, on XX/XX/XXXX I paid a bill in the amount of {$280.00} which left me with {$14.00} dollars in my account. There were two other charges that occurred that day resulting in my account to be over drawn. Instead of only charging me the {$37.00} overdraft fee for the two transactions that were over ( which would have been a fee of {$74.00} ) I was charged a fee for all three transactions which ended up being a fee of {$110.00}. 

This scenario occurred in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and is about to happen again this month ( XX/XX/XXXX ). Cumulatively the fees in questions equate to over {$500.00} XXXX dollars that should not have been charged according to the bank statements that were sent which show the positive balances at the time of the transaction. 

I have provide all the statements from the bank that show the positive balances and the associated notices showing that they charged an overdraft fee for the same transaction. 

I have have this Account for well over 15 years and it has changed numerous hands going through at least 3 other banks. It wasn't until FNB took over in XX/XX/XXXX that there became an issue with how the overdraft fees were charged. I believe that there is a flaw in the formula that calculates these charges because otherwise I would have had the same issue with the other three banks that had handled my account. When I started researching this, I found TONS of posts from people that had the same thing happened to them. https : XXXX The Bank Statements that are generated and given to the Customer as a record of transactions for month, that should be the basis for fee assessments as that is the only record we have. If the Bank Statement says there was money in the account for the specific transactions, then there was money in the account and fees should not be charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19 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: Porsche Financial Services, Inc.
State: IL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution! 

Update the account to Paid on time and never late. Or remove it from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: VT

Complaint narrative:
I attempted to open a RUNNINGS master card account on Thursday, XX/XX/2023 at XXXX XXXX per the store 's ( XXXX  ) sales promotion. 
The sales clerk applied for the card at the time and point of purchase per their standard procedure. 
The bank ( XXXX XXXX XXXX XXXX XXXX ) denied the application at that time. 
I contacted the bank directly, by phone. 
The bank would not provide any information on the phone pertaining to the denial. 
The bank mailed a denial response letter to me ( XX/XX/2023 ), ( ref # XXXX XXXX XXXX XXXX XXXX ) The denial letter listed several possible reasons for the denial. 
I contacted " credit services '' at the bank, inquiring about the specific reason for denial. 
The bank would not give me a reason for the denial The bank listed my credit score at that time as " XXXX '' ( excellent ). 
I believe that the bank has made an error in their denial. 
The denial of this credit card resulted in financial harm to me, as the promotion associated with the acquisition of the card was not available 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 non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received the response from Capital One. I have stated several times my card was stolen and it just was never properly filed. I called today Im still on the phone actually and I was told they cant dispute charges because they havent confirmed that the bank account is mine. The person who responded to my complaint just yesterday through the CFPB stated they confirmed they account is mine. My account is also not in collections I have paid the account down but since I made a complaint all of a sudden my account is over the credit limit by {$14.00}. The charges in question are from XXXX of XXXX  a XXXX charge for {$200.00}. I have a car and would never get a XXXX for {$200.00} also a XXXX  gas charge in XXXX. My wallet was stolen XX/XX/2022. I moved from XXXX  to XXXX  on XXXX XXXX. The second rep told me he was the fraud manager and they dont follow the rules of the CFPB and they couldnt file any dispute because they havent confirmed I owned the account just today. The payment in question I didnt do I have said that. I havent had access to this card since XX/XX/2022. I also didnt say I had problems with XXXX they helped me get my money back Capital one is the problem. I have paid over {$630.00} to Capital one after the card was stolen yet my balance has never been reflected or decreased.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: ME

Complaint narrative:
I found a debt on my credit report that was placed in collections that I didn't recognize. I called the company after finding their phone number online and asked what the debt was for. Genesis Collections told me it was for an apartment or room rental somewhere in Texas, which I've never been to. He read off the email, home address, and phone number on file from the company XXXX XXXX XXXX that the debt was from and none of it was my information. They requested that I file an FTC report and have a notarized copy sent to them along with a police report and proof of identification and residence. I have just sent them the police report and proofs of residence and ID. The amount of debt is for {$280.00} and they said it definitely sounds like identity theft to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America opened XXXX fraudulent checking accounts in my name within the past month. They are opening these accounts online and not providing sufficient information about how this can be prevented in the future. Only XXXX account has been closed, they refuse to close the other account until a 90 day investigation is completed.

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 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had a fraudulent charge of {$90.00} made to my account in XXXX of this year. I discovered this in XXXX and had Macy 's Fraud Investigation Department begin an investigation immediately. They closed the stolen account and opened a new one. They released a letter on XX/XX/XXXX ( attached ) claiming that they could not find evidence to support my claim. And they moved the disputed charges ( plus late fees ) onto the new Macy 's credit card. 

I was told by the Macy 's Fraud Investigation Department that this fraudulent charge was made in person at a shop in California. I was in XXXX during the entire month of XXXX, which I can prove through GPS data, various purchase receipts, security camera footage, and photographs on my phone. 

Macy 's was silent since XXXX until XX/XX/XXXX, and my credit score went down by XXXX points because of this fraudulent charge. When I reported this to consumer reporting agencies in XXXX, they finally closed the investigation but it was against my favor. They are literally charging me for a purchase that I can prove could not have been made by myself. 

Please help me resolve this issue.

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 2023-05-19 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: MN

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. 

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 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 2023-05-19 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: MN

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. 

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 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 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Have collections on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 2023-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I open a paypal account and everything was ok, after a month i decide to try to use my paypal and them it was a limitation place on the account but when i decided to send my ID i received a email everything was good. 

i called paypal for made sure that my account was full access and after i talk to agent she decided to limited my account without any explanation. 
i told her why you put the limitation is there nothing on my account and she said there is a risk. i said that not any risk becouse i do not have any transaccion, that stupid. 

my account was place a limitation without any explanation with arbitrary desicion after i called! 

XXXX ID - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: VT

Complaint narrative:
In early XXXX my fiance, XXXX XXXX, and I received a notice from SentryCredit that we owed a debt of {$700.00} due to " rent charges '' that they claimed were never paid. They claimed these charges stemmed from a lease with XXXX XXXX in XXXX, Co, from XX/XX/XXXX - XX/XX/XXXX. Upon reviewing our lease termination documents, it was apparent that this " amount owed '' was the result of a clerical error, specifically, an incorrect move-out date listed for the unit. I contacted SentryCredit on XX/XX/XXXX to dispute this debt and highlight the error for them. At this time, they requested a ledger/balance sheet from XXXX in order to validate the debt. In several subsequent calls to SentryCredit, their representative informed me that they had validated the debt, but had never received any ledger from XXXX pertaining to our account. SentryCredit, to-date, has neither been able to explain how they were able to validate this " debt '' without having received any ledger from XXXX, nor have they provided us with any proof of debt or debt validation documentation. 

In the interim, I contacted the XXXX management office directly to ask them to review our account, and indeed, this " debt '' was the result of a clerical error ; not only did we not owe them any money, they owed us a balance remaining from our security deposit. The management office at XXXX corrected their ledger to reflect no past-due balance on our account and sent us a check for the amount they owed us. 

Since verifying with XXXX that this is not a valid debt, I have contacted SentryCredit multiple times to reiterate that XXXX has corrected the mistaken balance on their end. Each time I call, I am told the same thing : " I will let your case XXXX know ''. When I have followed up to ask if they have received a ledger from XXXX, the answer is always " No ''. When I ask if they have reached out to XXXX to request an updated ledger, the answer is always " no ''. 

As of now, SentryCredit, the collections agency contracted by XXXX is the only entity involved that claims we owe a balance. In the preceding 4 months, they have provided me with no validation of this debt, and they have made XXXX effort to follow up with XXXX for any sort of confirmation. We are now seeing major impacts to both of our credit scores ; my credit score has plunged XXXX points in the last month because SentryCredit refuses to follow up with XXXX to get a correct ledger, or any ledger for that matter. 

Attached below is a screenshot of the ledger, forwarded to me by XXXX 's resident XXXX, reflecting a negative account balance and that, we do not indeed " owe '' anything on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: IL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution! 

Update the account to Paid on time and never late. Or remove it from my consumer report.

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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed unauthorized inquiries that do not belong to me. Below Ive listed the inquiries and attached an affidavit from FTC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-19 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: MD

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. 

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 XXXXXXXX, 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 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