vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Called the company about a collection debt on my XXXX XXXX  I asked them to give me more information about it because I already have a active account with them with no issues and how do I got an account with a collection on my XXXX XXXX they werent able to locate the one I was talking about which I got nothing solved. They said they will send me a email which I didnt receive about a fraud package.

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 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
in XX/XX/2023, In addition to placing a call to PNC Credit Cards I visited a PNC Branch and the branch representative placed a called to PNC Credit Cards in hopes of assisting me with resolving the card. The last payment I made to the PNC Points Card ( XXXX ) was on XX/XX/2023 in the amount of {$71.00}. I did not make the XXXX payment on time and accrued a late payment ( {$27.00} ) and interest. I called PNC Customer Service in the beginning of XXXX and researched hardship options provided. I was reimbursed the late fee of {$27.00} charged for the month of XXXX as a courtesy and provided several hardship assistance options by phone and was encouraged to review the online options provided. I did not move forward with the hardhip assistance options provided by phone or online. I chose to cash out {$170.00} from the PNC Points Card ( XXXX ) Rewards and of the options provided on the PNC site, have the cash-out reward deposited to my checking or savings, I chose to have the reward money deposited in my checking account XXXX. The money was not deposited in the checking account and was applied as a balance reduction to the credit card on XX/XX/2023. The amount was not applied as a payment on the PNC Points Card ( XXXX ) and continued to reflect as late for the month of XXXX and XXXX. I made PNC Credit Card services aware the money should have deposited in the checking and not applied to reduce the balance however they were unable to acknowledge the error and/or deposit the rewards cash out balance of {$170.00} in my checking account ( XXXX ) I intended to use to make several payment to the credit card. I visited the branch representative and they were able to assist me in contacting PNC Credit Card services on my behalf and confirmed reversal of the application of the rewards would not be possible. I acknowledged I would be unable to make payment on the Credit Card. In XXXX, I then closed my PNC Checking account ( XXXX ) and PNC Savings account XXXX. PNC Credit Card services did not close my credit card account until the week of XX/XX/2023, my last visit to the branch where the representative called PNC Credit Card Services and confirmed hey had closed the account with a balance on it. I was charged a late fee in XXXX, XXXX, and XXXX of {$38.00}, I am still not certain why the fee increased from the traditionally charged {$27.00}. 

I was charged a {$38.00} late fee, again, on XX/XX/XXXX and XX/XX/XXXX of 2023 after I had confirmed the card was closed by PNC Credit Card services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have been requesting for my personal account bank statements and I have not received those for about 4 months now, and for my business account I have been requesting the same and they have refused to send me my bank statements. 

I was in the hospital when I came home I realized my balances were lower than expected however I was getting errors with accessing the transactions so I requested statements and have not received them. 

When I was able to access limited information I disputed via US mail some charges from my personal account and a couple days later followed up via phone. I was after less than a week my disputes were denied. Attached please find the letter I sent regarding my personal account. 

Chase practice of denying disputes in violation of CFPB regulations not only is causing me financial harm but also denying me access to banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: IL

Complaint narrative:
Im begging you please remove this to the 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 explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
a chase credit card account was open without my consent with the amount of XXXX and it was open on the date of XXXXI sent information to the company but got no respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: TX

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 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 2023-12-26 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: LEXISNEXIS
State: TX

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 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 explanation
Consumer complaint received 2023-12-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Take a look at the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: CORELOGIC INC
State: MA

Complaint narrative:
Numerous companies have reported credit inquires to XXXX, XXXX and XXXX. These inquiries were NOT authorized by me nor am I aware of who that are. The names of the companies on my Credit Report are : - Credco - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of the Credit Agencies will help me without CFPB or FTC assistance. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. than I contacted Transunion few times already and it still reporting unverified Inquiries on 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 2023-12-26 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : The following personal information is incorrect Current Address ( es ) : 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 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 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  By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. In accordance with the Fair Credit Reporting Act Accounts and information above, 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. 





Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: MD

Complaint narrative:
XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : The following personal information is incorrect Current Address ( es ) : 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 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 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 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. In accordance with the Fair Credit Reporting Act Accounts and information above, 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. 





Sincerely, 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 2023-12-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: HI

Complaint narrative:
National Debt Relief - After enrolling in XX/XX/2023, I was then forwarded to XXXX XXXX to handle all debt relief. I was promised that all accounts would be closed and to stop making payments to the creditors. I had about XXXX accounts between my XXXX and I to have it closed, consolidated into XXXX payment and we pay XXXX XXXX bi-weekly that goes into a dedicated savings account to pay the creditors off for the closed accounts. After about XXXX payments, I was being threatened by creditors ; accounts were not closed- I enrolled for " debt settlement, '' but in the beginning, I was told it was consolidation. I since then cancelled the services ( XX/XX/2023 ) and consulted with a local non-profit company who then told me that these enrollments promise XXXX thing but deliver something else and it hurts our credit even more than before enrolling. They also include their own fees into our bi-weekly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navy Federal Credit Union regarding deceptive practices and the dissemination of false information during my recent interactions with their customer service representatives. The details of the incident are outlined below : On Friday, XX/XX/2023, I contacted Navy Federal regarding my checking account, which had been charged off for {$510.00}. As I currently only maintain a savings account with them, I deposited a check into my savings account. Although the check eventually cleared and was available in my account, I found myself unable to access any funds or perform transactions. 

During my initial call on XX/XX/XXXX, I was assured by two representatives that settling the charged-off account would enable me to reopen my checking account. Relying on this information, I promptly paid the charged-off amount. However, upon contacting Navy Federal again on the same day, I was informed that I couldn't reopen my checking account due to an additional charged-off XXXX credit card. 

This crucial information was not disclosed during my initial inquiries, leading to a misunderstanding and subsequent financial hardship. Furthermore, despite settling the credit card account as advised, I was later told that I could only reopen my checking account if I set up a payment plan for the credit card, a condition not mentioned in prior conversations. 

These conflicting and inaccurate statements from Navy Federal representatives constitute deceptive practices and have caused significant frustration and inconvenience. I am concerned that such misinformation may be widespread, potentially affecting other consumers and damaging the reputation of Navy Federal Credit Union. 

I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to ensure Navy Federal adheres to ethical business practices, provides accurate information to its customers, and rectifies any harm caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: Nelnet, Inc.
State: CO

Complaint narrative:
I have repeatedly tried to pay my student loan from my checking account. Each day I have tried to pay, I have received a receipt for payment. However, the student loan company has no records of any payments, and says I am past due. I should not only be up-to-date, but I should have significantly lower interest because I have attempted to pay over XXXX XXXX of my XXXX $ principal. 

Relevant dates of receipts and amounts paid : XXXX : {$600.00} XXXX : {$300.00} XXXX : {$600.00} XXXX : {$600.00} XXXX : {$400.00} NONE of these payments show up in my Nelnet account history. I have received receipts and payment confirmation numbers for each payment. Additionally, I should not have to pay interest on the principal that I have attempted to pay off thus far. This is Nelnet 's error, not mine. They have not responded to any requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
In XX/XX/23 I called the bank because my card declined and I could not login to online banking. The bank stated my account was being closed to fraud but could not tell me what kind of fraud was being done on my account then they stated the money I had In my account would be mailed and they kept giving me a wrong amount and then said it was not going to be mailed to me they couldnt mail it but couldnt give me a reason why.

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 2023-12-26 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: TN

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to express my continued frustration and dissatisfaction with the unresolved issue concerning the late open account entry on my credit report, despite multiple attempts to correct this discrepancy. As detailed in my initial complaint, I reported an inaccuracy in my credit report concerning the late opening of an accounts. Despite my efforts and your acknowledgment of the issue, the problem persists, adversely affecting my creditworthiness. I submitted a follow-up dispute, providing additional documentation and clarification to support my claim. Regrettably, subsequent to this second attempt, the late open account remains on my credit report, and I have yet to receive a satisfactory resolution to this matter. I understand that the credit reporting process involves careful investigation, and I appreciate the importance of accuracy in credit reporting. However, the prolonged presence of this erroneous information is causing undue stress and negatively impacting my financial standing. I urge you to expedite the resolution of this matter by conducting a thorough and timely investigation into the late open account entry on my credit report. It is my expectation that all necessary measures will be taken to rectify this situation promptly, ensuring the accurate representation of my credit history. I request your immediate attention to this matter and insist on receiving clear communication regarding the steps being taken to address this issue. As a responsible consumer, I have consistently provided the required information to facilitate a comprehensive investigation, and I expect the same diligence from 3 Credit Bureaus. Please keep me informed of the progress made in this investigation and provide a specific timeline for the removal of the late open account from my credit report. I believe that prompt action on your part will help restore the accuracy of my credit information and prevent any further negative impact on my financial well-being. I am asking for your assistance to correct thIs late open account in my credit file : XXXX XXXX XXXX  XXXX Opened XX/XX/2022 Balance : {$10000.00}.

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 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
I was able to open my checking account with Truist on XX/XX/23, but the account was forced to be closed due to an automated fraud alert. The exact date of account closure is unknown. However, when I called the bank and requested my opening deposit be returned to me via check in the mail, they informed me that they would not be able to return my opening deposit unless I went in person into the branch. This is unreasonable as I am XXXX XXXX, and making a trip into the branch is a great hassle.

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