vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/2022 at XXXX. I received an email from PNC Bank regarding an overdraft status. I heard the 'ping ' on my phone and looked at the email. It stated that I needed to check my balance and deposit funds into my account. 

That was a XXXX. 

At XXXX. I got up to go to the bank and deposit funds, when I saw that PNC had ALREADY removed an overdraft item fee - they didn't even give me a chance to get the money into the bank. 

I called PNC 'Customer Service ' and the rep advised me that, even though the email said I had time to get funds into my account, that's not actually the case. What??!!!!!!! 

How am I supposed to know that? I'm not a PNC employee! I rely on the information PNC sends me, and if it's incorrect, that's on them, not me. 

It's bad enough PNC forces me to change my password AT LEAST XXXX a month, but this is ridiculous! I wonder how many other customers they've stolen money from this way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX Balance ; {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} Chapter XXXX bankruptcy dismissed Reference number : XXXX Filed on XX/XX/XXXX Chapter XXXX bankruptcy dismissed Reference number : XXXX Filed on XX/XX/XXXX Chapter XXXX bankruptcy dismissed Reference number : XXXX Filed on XX/XX/XXXX Chapter XXXX bankruptcy discharged Reference number : XXXX Filed on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: CA

Complaint narrative:
Account : XXXX ( XXXX ) My name is XXXX XXXX, and I am a federally protected customer creating a complaint against American Education Services for XXXXommitting identity theft and violating many of the laws set forth in the FCRA. I have never given American Education Services my consent to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that they claim that I owe. Pursuant to 15 USC 1692c ( c ) I am legally refusing to pay this erroneous debt. I am demanding a cease and desist of all illegal activity, any communications or collection activities, and any alleged debts until AES can provide me with sufficient documentary evidence that there is any legal obligation to pay them. If the required evidence can not be produced and AES chooses to continue it's collections efforts, I will file for litigation for actual damages caused and AES will be help criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein and of this notice, you are notified pursuant to UCC 1-202f. Your immediate attention is both required and requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have both a BoA cash and XXXX XXXXredit card. In the summer going into the fall of 2018, I was reported 30 days late on a XXXX XXXX XXXX XXXX During that time I had two immediate family members pass away within weeks of each other. Because this was unexpected and they were relatively young, there wasnt an insurance policy for burial. The burial expenses fell directly on me and my sister. Shortly after the second funeral, I became sick, spent three weeks in the hospital and was unable to work. All of this during a short time period caused me to fall pretty far. Between both of credit cards with BoA, I was only reported 30 days late once in the 5 years Ive had the account. There were so many things out of my control during that time that caused me to go past due. I attached what is showing 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 explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX  XXXX Balance - XXXX XXXX XXXX  XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance - XXXX XXXX Balance - XXXX XXXX XXXXE XXXX Balance - XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance XXXX XXXX XXXX Balance - Bankruptcy XXXX XXXX-dismissed Reference number : XXXX Filed on XX/XX/XXXX Bankruptcy XXXX XXXX-dismissed Reference number : XXXX Filed on XX/XX/XXXX Bankruptcy XXXX XXXXdismissed Reference number : XXXX Filed on XX/XX/XXXX Bankruptcy XXXX XXXXdischarged Reference number : XXXX Filed on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
My recent Credit report is still showing the same Bankruptcy issue which I have already addressed to the bureaus in my previous written complaints. The bankruptcy 's file date was incorrect and outdated. Make sure to provide proof that the filed date which you confirmed was correct. Send to my address a copy of the papers which shows that the bankruptcy was filed indicated in the 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 2022-02-23 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: TX

Complaint narrative:
In Accordance with the fair credit reporting act convergent account # 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 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Commencing on or about the XXXX of XXXX, 2021, I fell victim to a multilayered scam operation orchestrated by Scammers DBA : XXXX XXXX ( the Scam Company ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
My payments were on forbearance due to the pandemic which ended in XX/XX/21. At the same time, I sold the property in the same month. I also informed SLS that it was sold and needed a payoff amount that is in agreement with NC Status. 

XXXX. SLS repeatedly did not give a payoff amount to the closing attorney as per NC Status. 
XXXX. SLS also charged me additional charges for the property which I was never in foreclosure. 
XXXX. They declared all my forbearance time as late payments. 

Due to the fact that they would provide me or the closing attorney the payoff amount per NC status I had to pay additional interest charges. They also charged me additional fees for the house which I was never notified. 
I never received any notice that the house was in foreclosure. 

I would like all charges for the hose and interest refunded 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 explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I called Equifax numerous times to ask why my credit score is not reporting. They have never answered my question of why my score is not reporting. They continue to say they are investigating it but I never get a response back from them. I personally think someone screwed up my account over there and they are covering it up. This is affecting my business and my personal life because lenders keep asking why can't we see your Equifax score as if I am hiding something from them. I would like to know if there has been some mishandling of my account and if not then why is my score not reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a Complaint last XX/XX/2022 requesting that you need to make an investigation regarding to the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. XXXX XXXX XXXX : {$0.00}

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 2022-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I received your letter dated XX/XX/2022 stating that {$27000.00} was returned to XXXX on XX/XX/2022. XXXX claims they did not receive the funds, and they requested a " trace '' number. Your letter dated XX/XX/2022 also provides your direct contact info ( XXXX ). 

I have attempted to reach " XXXX '' at the number and extension listed in the letter, and there is no XXXX. I have called at least 15 times and left numerous voices messages. " XXXX '' has not returned my call. 

Prior to filing complaint ID XXXX, I had spoken with Capital One at least 10-15 times, and logged more than 10 hours of hold time. In addition, XXXX XXXX, of the XXXX, CT police dept, spent numerous hours on hold, and spoke with Capital One many times. During all of those conversations Capital One refused to return the stolen funds, or provide any timeframe when you would return the stolen funds. 

It's has become obvious that you only respond and take appropriate action when the communication is facilitated through the CFPB. 

If the funds were actually transferred back to XXXX, I need the trace number for the transaction!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2022, I spoke with " XXXX '' through the XXXX XXXX about purchasing an indoor rower that he posted for sale. The rower was priced at {$410.00}. According to the XXXX XXXX, shipping would cost {$14.00}. " XXXX '' let me know that XXXX would not ship items over 20lbs and that the rower was well over 100lbs. He said that he would ship it to me personally and that shipping from XXXX ( where he was located ) would cost {$110.00}. The total cost of the rower would then be {$520.00}. 

Since XXXX would not allow the shipping of products over 20lbs, he told me that XXXX would not allow him to accept my offer. He asked to me to use a different form of payment, outside of the XXXX XXXX. He suggested using XXXX. He sent me his wife 's XXXX  info which was : XXXX XXXX ; XXXX and requested I send him a screen shot after payment to confirm that I paid, which would then allow him to ship the rower. I paid him through XXXX in the amount of XXXX on XX/XX/2022 around XXXX XXXX. EST. 

Within a few hours ( XXXX EST ), I looked at XXXX again and noticed the same exact pictures of the rower I had just purchased from XXXX, but listed under a different name, " XXXX '', and coming from Colorado. I immediately called my bank, Wells Fargo, and reported the fraudulent purchase. Although when I XXXX the money, a note at the bottom said that the money would not be available to XXXX XXXX until the next business day, Wells Fargo told me there was no further action they could take since I already submitted the money. 

After noticing the double post of the rower, I reached out to " XXXX '' numerous times at cell phone number 1 ( XXXX ) XXXX, which was the number through which we had been communicating. He ensured me that this was not a scam. I continued to text him and request a refund but never heard from him again and needless to say, never received the indoor rower that I paid for. 

I since reported this user and the user of the secondary post to XXXX and blocked them from the app. I reached out to Wells Fargo again and finally received a letter dated XX/XX/2022 that they determined that this payment was processed as requested and that they were unable to stop or reverse the funds and subsequently closed the claim.

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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a Complaint last XX/XX/2022 requesting that you need to make an investigation regarding to the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: U.S. BANCORP
State: GA

Complaint narrative:
US Bank as of XX/XX/2021 via their own document has NOT correctly accounted Principal Only payments to my loan. In addition when I was attempting to Retitle and Register the vehicle in the State of Florida they refused until at their direction redact my correct address for a Florida address. 
The staff at CFPB did not read my original complaint and the reply from US Bank because the reply was about something totally different and did NOT address my complaint

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 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: MD

Complaint narrative:
To Whom It May Concern : Elan Financial Services closed my XXXX XXXX XXXX  card after receiving fraudulent information from a third party, without contacting me to confirm any of the provided information. 
I am in receipt of your correspondence dated XX/XX/2022, ref # XXXX. This correspondence is in response to my document dated XX/XX/2022, in regard to the closure of my XXXX XXXX XXXX XXXX XXXX Card account, ending in XXXX. I am hereby informing you that you have violated my consumer rights and under 15 US Code 1691E you are civilly liable. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1692 ( K ). Elan Financial Services/ Cardmember Services has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 4. 15 U.S Code 1681M ( b ) ( 1 ) 5. 15 U.S Code 1637 Enclosed you will find an invoice for the abovementioned violations, with instructions where to send payment. 
BEST, XXXX XXXX XXXX  Without prejudice, all natural inalienable rights reserved.

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 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My recent Credit report is still showing the same Bankruptcy issue which I have already addressed to the XXXX and XXXX bureaus in my previous written complaints. The bankruptcy 's file date was incorrect and outdated. Make sure to provide proof that the filed date which you confirmed was correct. Send to my address a copy of the papers which shows that the bankruptcy was filed indicated on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX  XXXX XXXX {$36.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA

Complaint narrative:
This account with TIDEWATER MOTOR CREDIT with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX Bureau and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.

Company response to consumer: Closed with explanation