vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 2 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XX/XX/2023 payment {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
At approximately XXXX hrs on Saturday, XX/XX/2023 I went into the vestibule ATM of the PNC Bank located at XXXX XXXX XXXX. XXXX XXXX, MD. XXXX to make a {$800.00} cash deposit using my XXXX Atm card. I inserted my XXXX Atm card, entered my PIN per usual and machine prompts. The machine then asked me what I wanted to do, I pressed make a deposit. It prompted me to insert my 8- {$100.00} bills. It counted them and displayed the message " would you like to deposit {$800.00} '' in XXXX bills. I confirmed yes. The machine counted the money, made a few noises-what sounded like it depositing my cash into its safe. The machine then displays " sorry we are unable to process your transaction, please take your card ''. I followed directions and took my card. The machine then went back to " normal '' screen meaning it was ready for a new transaction. The machine gave me no receipt, did not credit my checking account for {$800.00} deposit, and did not give me the option to have my money back. If I did this to the ATM I would be in jail, but for some reason PNC has kept my money for 2 weeks and seems complacent in the fact that their machine has defrauded me. Please help me!! I reported immediately to PNC per the ATM machines XXXX help number and they said they could not help me since it was outside of normal business hours. I went to the bank when they opened the following monday and made a complaint to the manager. He informed me that PNC does not service their own ATM 's but not to worry they would find the unallocated funds. He has not responded to my calls. I stopped in the bank again this Saturday, 2 weeks later now, and he said the same thing... .he hasn't heard from the ATM company regarding any unallocated funds and for me to be patient. XXXX XXXX  can not help me either they claim it is up to the ATM owner to resolve the issue and they simply noted my complaint and let me go with no resolution, just a sorry this is happening to you!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the listed accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

I've have written to XXXX, XXXX, and TransUnion by certified mail many of times to reinvestigate this account : XXXX XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A states, " I have the right to privacy ''.

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

15 USC 1681c ( A ) ( 5 ) states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is in accurate.

Also, they aren't even in compliance with metro 2 reporting. I have evidence to prove my case.

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 2023-09-19 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-19 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: CL Holdings LLC
State: MO

Complaint narrative:
Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : XXXX. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 
XXXX. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies. 
XXXX. Do not sell or transfer this debt to any other third party. 
XXXX. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Your immediate attention to this matter is expected and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
My XXXX XXXX XXXX were transferred from Navient to XXXX in XXXX XXXX  XXXX. 

Due to the Covid pandemic, automatic payments of these loans were ceased back in XXXXXXXX XXXX  XXXX. 

After the initial pandemic dust had settled and trying to knock out my lowest balance loan, I resume electronic payments to my loan servicer at that time Navient. I set up a monthly {$110.00} payment to Navient starting in XXXX XXXX XXXX. I utilized my checking account that I had setup for automated payments of utilities, insurance, etc. 
Back in XXXX XXXX XXXX, my lowest balance load, from XXXX, had a balance of approximately {$720.00}. While I meant to stop automatic payments to Navient after XXXX XXXX XXXX ( the loan would be paid off by then ), I neglected to do. 

I didnt realize that I had continued these automatic payments until this weekend ( XX/XX/XXXX ) while preparing to setup the resumption of load payments, this time to XXXX. Logging into XXXX I discovered that there was no record of any of these ( XX/XX/XXXX to XX/XX/XXXX ) payments within the history that was transferred to them from Navient. The XXXX XXXX XXXX XXXX, as of XXXX XXXX  XXXX, still had a balance of {$710.00}. 

I contacted XXXX about this at XXXX. The customer service person said that I needed to contact Navient about these unrecorded payments. 

I then contacted Navient. I did this after attempting to logon to the Navient website. Any way I entered my information, the site could not find my account, so I had to call for further research. The Navient operator took my name, my full SSN and my account #. She was also not able to find me in the Navient system and told me to contact XXXX. 

I finally contacted my bank ( XXXX ) and asked them about the actual payments themselves. The customer service person said that they were paid electronically ( a paper check was not generated and mailed ) to Navient and that they all appeared to be processed. 

My desire would be to have my {$3900.00} Navient payments applied to my current student loans serviced by XXXX, but I dont know how to get these payments recognized by Navient or transferred over to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: MI

Complaint narrative:
15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the

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 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account 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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the listed accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

I've have written to XXXX, Equifax, and XXXX by certified mail many of times to reinvestigate this account : XXXX XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A states, " I have the right to privacy ''.

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

15 USC 1681c ( A ) ( 5 ) states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is in accurate.

Also, they aren't even in compliance with metro 2 reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the listed accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

I've have written to Experian, XXXX, and XXXX by XXXXertified mail many of times to reinvestigate this account : XXXX XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A states, " I have the right to privacy ''.

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

15 USC 1681c ( A ) ( 5 ) states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is in accurate.

Also, they aren't even in compliance with metro 2 reporting. I have evidence to prove my case.

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 2023-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
On Thursday XX/XX/14, I mobile deposited at check with Frost Bank around XXXX XXXX CST, after I deposited the check, I noticed that my mobile banking locked up and I couldn't access it anymore. I then called customer service and tried to see why my bank account was locked and why I couldn't access it. I was then told by a customer service representative that since my account is a newly opened account, they could not put a hold on my account, so they ended up freezing it for the time being until the check issue could be resolved. The representative then got me in contact with a banker from Frost Bank. The banker asked me if I could get a contact number for my employer to have the check that was deposited into the account verified. She then stated that, if we could not get the company to verify the check, she would then have one last option which was to call the banking institute that my employer used for the checks. The banking institute is XXXX  XXXX XXXX, XXXX. So the problem is I definitely understand the whole thing about the banker not working over the weekend because it's her off days, but I've called her several times yesterday to see if she at least tried to call XXXX  XXXX XXXX like she said she would to get my check verified. I've already waited for weeks for my employer to send out the check to me, but now to have issues with depositing it as well. I need my money and I'm frustrated because the representative who helped me Friday assured me that once she came back from her weekend off days that she would help me get the check verified. Yesterdat when I called her she basically just ignored me, and come to find out that she could have helped me, I'm frustrated when I mobile deposited the check it said that I would have to wait on XXXX business days, but it's been more than a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit 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 non-monetary relief
Consumer complaint received 2023-09-19 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
To whom it may concern, The IRS approved the 1099A for car loan on XX/XX/2023. Mailed on XX/XX/2023. Requested a copy of the Copy B For Cancellation of Debt via Certified mail XX/XX/2023. 
My account has not been updated to XXXX Balance as of today XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I sent a letter on XX/XX/2023 via USPS Certified Mail that was received on XX/XX/2023, XXXX XXXX  with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. 

This letter was sent to : PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX. 
XXXX, VA XXXX This letter states as follows : " To whom this may concern, I am writing to you to request that you verify a debt as required by the Fair Debt Collection Practice Act. You have contacted me concerning a debt with PORTFOLIO RECOVERY ASSOCIATES , LLC, I also want to point out that the name on this dept is not my legal name. Therefore, I am also disputing this since the name on this Dept or Collection is not in my legal name. I am not legally reasonable for this Dept. 

Aside from verification of the debt, I request that you stop communications to me about the debt. The Fair Debt Collection Practice Act, 15 USCA Section 1692c requires that you honor this request.

Apart from sending me verification, please do not send or make any other communication to me regarding this debt. Your cooperation will be appreciated.

I also want to point out that I am also on XXXX. Thus, I am protected by Section 207 of the Social Security Act which provides : " The right of any person to any future payment under this title shall not be transferable or assignable, at law or in equity, and none of the money paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. '' Sincerely, XXXX XXXX '' However, on XX/XX/2023 I received a phone call from XXXX that would not reveal who they were from at first. When I told them that if they were from a collection agency that I had sent a letter to they would be in violation of federal law, they then hung up the phone. I then called the XXXX number back and it connected to PORTFOLIO RECOVERY ASSOCIATES , LLC proving it was that company that had called me, thus violating the Fair Debt Collection Practice Act, 15 USCA Section 1692c.

Company response to consumer: Closed with explanation