vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: PNC Bank N.A.
State: WV

Complaint narrative:
Have been with bank XXXX years Credit card was set to expire at the end of XXXX Called PNC XXXX XX/XX/2022 to inquire - told it was being sent Called PNC on XX/XX/2022 to inquire - told it is being sent on the XXXX Called PNC XXXX XX/XX/2022 to inquire - told it was sent - and not to worry about the end of the month, and it would be automatically extended as they were having problems with their vendor Started getting emails about Credit card not working on XX/XX/2022 from reoccurring charge businesses Called PNC XXXX XX/XX/2022 was told to bad - nothing they can, or will do about it except, send another card, ( 2 to 3 business days ) - at no charge- and again reiterated that it was a problem with THIER vendor XXXX 
I was asked about other cards- I informed them that their DEBIT card I have with them will not allow me to use it as a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I am receiving phone calls before XXXX XXXX  and after XXXX XXXX  of harassment, profane and abusive language, threats of being sent to jail and prison, and threats of violence and death from Credit Collection Services Debt Collection Representatives in regards to a debt collection account from XXXX XXXX with a balance of {$190.00}. The debt collection account is not my account and the debt collection account is the result of identity theft. Credit Collection Services is in complete violation of the Fair Debt Practices Act ( FDPA ) under federal and state law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also following the Experian Lawsuit of them reporting misleading information and me not getting any notifications or updates about my report concerns me something fraudulent may have be done.

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 2022-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
I was getting my unemployment from NJ state though their prepaid card service Money Network. 
On XX/XX/2022 {$4800.00} was withdrawn from my Money Network account without my knowledge or approval to an unknown 3rd party. I learned of this transaction on XX/XX/2022 and proceeded to immediately contact Money Network to alert them to this unknown transaction. As per Money Network 's request, I submitted a written dispute on XX/XX/2022. On XX/XX/2022, Money Network rejected my dispute and said " ... no error occurred ... '' regarding this transaction. I appealed this finding upon receipt of the written letter, and my dispute was again rejected by saying " ... no error occurred ... ''. I have attempted upon multiple occasions to reach out to Money Network representatives by phone. The phone number on the Money Network Dispute rejection letter, XXXX, is a non-functional number. On XXXX separate occasions I contacted an alternative phone number for Money Network and I was disconnected due to an issue with the Money Network Phone system. None of these money network representatives attempted to reach out to me after the call was unintentionally disconnected by the money Network system. 
I state ; On XX/XX/2022, {$4800.00} appears to have been withdrawn from my Money Network account without my knowledge or approval. This withdrawal was facilitated by Money Network without my knowledge. The money appears to have been transferred to an individual unknown to me ; XXXX XXXX ( routing number XXXX, bank account number XXXX ). I have never interacted with any person named XXXX XXXX, nor do I have any knowledge of a person by this name. I have not provided any authorization to any XXXX party to use this account whatsoever. I have never made a payment of {$4800.00} to anyone. 
Neither Money Network, nor XXXX where the money were transferred willing to reverse the unauthorized transactions. 
XXXX appreciate if you take an action and help me out on my case. 
My reference case number with Money Network is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also following the XXXX Lawsuit of them reporting misleading information and me not getting any notifications or updates about my report concerns me something fraudulent may have be done.

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 2022-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been contacting this company for a while now, trying to let them know about the situation I have been in. the previous letter was sent on XX/XX/2022. I have accounts on my report that I don't recognize but they still haven'tt removed the items that are why this time I am seeking help from the CFPB as my first step in taking this matter seriously.

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 2022-12-02 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: PA

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 U.S.C 1681. 

XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT/EDXXXX Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX Account XXXX : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT ED/XXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX. Account # : XXXX XXXX. Account Name : US DEPT OF ED/XXXX. Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX These accounts have violated my rights as follows : - 15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

- 15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. 

- 15 U.S.C 1681 c. Section ( a ) ( 5 ) States that no consumer reposting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

- 15 U.S.C 1681-2 ( A ) ( 1 ) States that 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 2022-12-02 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: PA

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 U.S.C 1681. 

1. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT ED/XXXX Account # : XXXX XXXX. Account Name : DPT/EDXXXX Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX Account XXXX : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX XXXX. Account Name : DPT ED/XXXX Account # : XXXX XXXX. Account Name : DPT ED/XXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX. Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX These accounts have violated my rights as follows : - 15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

- 15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

- 15 U.S.C 1681 c. Section ( a ) ( 5 ) States that no consumer reposting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

- 15 U.S.C 1681-2 ( A ) ( 1 ) States that 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 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX. 
{$59.00} This morning, I suddenly received an email from my bank informing me that my bank account had been closed, but I hadn't done anything suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have requested at least 5 times verification and validation and I have not received proper info. They have sent my account to XXXX different companies and when I request verification, they send it back to original company ( Resurgent ). I believe they are playing with me and have violated my rights under, 15 U.S Code 1692b ( 5 ) 15 U.S code 1692c 15 U.S code 1692c ( a ) 15 U. S Code 1692d 16 U.S Code 1681 section 602 A They keep sending me the same copy of an statement from XXXX XXXX that does not prove anything. I have no contract with this company and therefore no obligation to pay this alleged debt. They can not send me the verification XXXX  validation papers because they do not have it. Please advise. I want this company to close and remove this account from my credit reports as it is hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
RENT RECOVERY SOLUTIONS LLC CONTINUES TO VIOLATE MY CONSUMER RIGHTS PURSUANT TO 15 USC 1692G!!

I have sent Rent Recovery Solutions LLC information directly through Certified Mail which will be my ONLY form of communication. I have asked this company DIRECTLY through certified mail to respond via mail pursuant to 15 USC 1692G, where it clearly states a consumer must notify that a debt is being disputed IN WRITING placing the debt collector on notice that an alleged debt is being disputed. It has been OVER 30days ( which is over the time allotted for a companies response according to federal law ) since I sent this request DIRECTLY to the company following FEDERAL GUIDELINES. Rent Recovery Solutions has NOT responded to my DIRECT form of written contact in abidance and accordance to what Congress has stated the PROPER way to dispute a debt.

I have sent certified mail with a signature requirement ( that WAS signed by this company ) and they continue to violate my right to dispute by not abiding by federal laws in my formal written request, and Rent Recovery Solutions is now trying to tell me how I need to communicate with them via phone, when I am choosing to communicate ONLY by mail.

Rent Recovery Solutions LLC is also continuing to furnish this information to the credit reporting agencies which is also a violation of 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: IN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-02 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been contacting this company for a while now, trying to let them know about the situation I have been in. the previous letter was sent on XX/XX/2022. I have accounts on my report that I don't recognize but they still havent removed the items that are why this time I am seeking help from the CFPB as my first step in taking this matter seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I sent the following letter to the credit bureau to which they replied they would not comply with the consumer laws of the united states XXXX on the XXXX team told me he was a credit agency and he had permission because he was an agency that is not the laws of the united states of america. 



XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/2022 RE : XXXX To whom it may concern, I, XXXX XXXX, never gave Any Consumer reporting agency verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the utilization on all my revolving accounts. Under 15 U.S. Code 1681a 2 ii excluded from a consumer report are any transactions between the consumer and company ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; Please send an updated report when this issue is resolved Sincerely -XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : 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

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 2022-12-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient Solutions keeps contacting me the last time they contacted a gentleman kept stating I need to pay my loan in full for {$36000.00}. I stated to the gentleman I do not have that type of money and stated as all my calls from Navient are recorded calls I dated every time I needed my loan payments lowered due to loosing my job and not being able to afford the high payments. I stated I could only pay {$25.00} a month as I have many bills to pay. The gentleman told me to post date a payment and I stated I need an email stating this information because I will not just give anyone my person information. This gentleman is unprofessional and is very demanding. The telephone number that keeps contacting me is XXXX. 

I have the voicemail messages if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NY

Complaint narrative:
On XX/XX/XXXX I submitted an employer certification form to Mohela. I have contacted them several times to try to get an updated estimate on when my payment counts will be updated due to a time sensitive issue with a loan repayment program I am participating in. They first told me that my form was not even acknowledge until XX/XX/XXXX and it would be 90 business days after that to get an updated payment count - even though it was marked processed before that date and I received a message on XX/XX/XXXX stated it could be up to 90 business days from XX/XX/XXXX. They are unwilling to be helpful in anyway to give an update on where the form is at in processing and unwilling to be able to expedite anything for a reasonable request. The student loan industry is in obvious upheaval, but over and over and over again we are all being told to wait wait wait and don't ask questions, there's no one else who can help you, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grow Credit Inc
State: TX

Complaint narrative:
I would like my derogatory remark removed. This account is are misreporting on my credit report. This account does not belong too me. The date that this open was opened was XX/XX/XXXX. The amount is for {$32.00}. I have reached out to this creditor multiple times that this debt is not mines. I never lived at the listed address and I never had service with this company. I have provided police report as well. The creditor stated to me that there was nothing that they could do to assit with this fraudulent account. Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company response to consumer: Closed with explanation