vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
After notification of a collection debt on my records, I sent a debt validation Letter to Transworld Sys Inc I sent this letter through mail and they received it on XX/XX/. It has been over 30 days and they have failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have they ignored my request for validation of debt but they continue to report this debt to the credit bureaus causing damage to my character.

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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: OH

Complaint narrative:
At Laurel Road bank I opened up 1 checking and 2 savings accounts XX/XX/2023. On XX/XX/2023, I opened up my Laurel Road app to verify if 2 transfers ( First transfer amount : {$200.00}, and second transfer amount : {$1000.00} ) I made from XXXXXXXX XXXX either XX/XX/XXXX went through ; but noticed on XX/XX/2023 my Laurel Road accounts are restricted. The restriction states : " Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX or TDD/TTY XXXX for our hearing impaired members. '' I contacted Laurel Road the same day I realized the restriction, gave them all requested information ( assuming I'd gain access to my account afterwards ) ; but they couldn't tell me why my account is restricted and will have to investigate it which may take up to 30 days. I asked if they can escalate the process because I have bills to pay, but they mentioned they can't guarantee I'll gain access to my restricted account before the 30 day investigation. 

After talking with a supervisor at Laurel Road, I was told XXXXXXXX XXXX  put a stop on the transfer which may be the reason why my Laurel Road bank accounts are now restricted. She told me to contact XXXX XXXX to see why they stopped the 2 transfers I submitted. XXXXXXXX XXXX  told me the transfers were stopped because they couldn't verify the bank. I contacted Laurel Road bank again to relate the information received by XXXXXXXX XXXX but they said it's nothing they can do and my account will still be under investigation for up to 30 days. 

I expressed my dissatisfaction with how things were handle : 1. I gave all the information Laurel Road bank needed to verify my identity and gain access which did not help, 2. there was no email/text message sent to me by Laurel Road before restricting my account, and 3. I have bills coming out of the account that won't get paid this week or for 30 days because of the restriction. I've been on the phone with both Laurel Road and XXXX XXXX  for over 2 hours and I really need this to be resolved very soon so I'm not behind on my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: CBC Companies, Inc.
State: NV

Complaint narrative:
4 hard injury are on my credit that was not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: Cascade CISS Holdings, LLC
State: NV

Complaint narrative:
4 hard injury are on my credit that was not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I fell victim to a horrific incident where I was XXXX XXXX, and XXXX assaulted by an individual wanted by the FBI. 

During the robbery, the perpetrator illicitly conducted bank transfers from my personal phone using the Chase app. 

Despite providing Chase Bank with extensive evidence, including official documents related to the case, they have refused to refund my money. 

Chase Bank 's reasoning for denying my claim is based on the fact that the transfers were authorized using Face ID. However, I was unconscious at the time, rendering their argument baseless and absurd. 

Regrettably, I find myself in a situation where Chase has declined to refund the funds that were fraudulently taken from my account. Despite exhausting all avenues within the fraud department and other conventional channels, including numerous hours spent on calls, my efforts have proved fruitless. 

The unauthorized transactions in question involve XXXX XXXX transfers made on XX/XX/2023, totaling {$4300.00}. These transfers comprised three charges from my personal account and XXXX from my business account. I have attached copies of the charges for your reference. 

Chase 's reasoning for refusing the refund is perplexing. They contend that, as the transfers were conducted via XXXX and authenticated with Face ID, they are absolved from responsibility. However, I have diligently provided them with all relevant documents substantiating the details of the case, to no avail. 

For your reference, the case has been assigned the following number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: IL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letter for the information that needs to be re-investigated. 

1. Identity Theft XXXX Account XXXX : xxxx This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 


The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, 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 explanation
Consumer complaint received 2023-11-07 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: FL

Complaint narrative:
Remove all Fraudulent accounts 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 2023-11-07 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: FL

Complaint narrative:
Remove all Fraudulent accounts 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 2023-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
All is debit is fraud I dnt owe dis money also XXXX  is da bank and they charge da account off also da acct is closed so I owe dis company Nuttin

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2023 at XXXX I received an email from PNC Bank stating that my checking account was in " low cash mode '', and that my account was negative {$170.00}. On XX/XX/2023 at XXXX I received another email from PNC Bank stating that I was approaching 24 hours of " Extra Time '', and that I needed to bring my account balance to at least a {$0.00} balance before XXXX on XX/XX/2023 in order to avoid being charged overdraft fee ( s ). 

As you will see in my attached ATM deposit receipt, I deposited {$180.00} in cash on XX/XX/2023 at XXXX, thus meeting their XXXX deadline of XX/XX/2023, which was more than 20 hours before their required cut-off time. However, after making the deposit before the required deadline, PNC returned two payments to two merchants, thus causing my payments to those merchants to be considered late, as well as receiving returned payment fees from both merchants. When I spoke to a representative from PNC Bank she informed me that PNC reserves the right to return " any '' quote : " payments that they deem to be questionable that could cause my account to become overdrawn ''. With that being said, it was clearly obvious that I had made a cash deposit to bring my account out of the negative well in advance of their stated cut-off time, therefore why would PNC have returned two of my pending payments, obviously knowing that I had made a deposit 20 hours before their stated cut-off time? What's the point of telling their customers that they have a specific amount of time to remedy a negative account balance if PNC is going to return an item 20 hours before the cut-off time that PNC itself offered and agreed to?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: TX

Complaint narrative:
Federal student loans are complete and utter robbery and violate the UDAAP regulations. The way that interest accrues and is charged is criminal. Banks would be fined and shut down for practices like this. I have loans that originated going back to XXXX or XXXX. My total borrowed was {$43000.00}. Before this XXXX payment, I had paid {$27000.00} in payments with a remaining balance of {$37000.00}. Make this make sense. One loan originated in XXXX for {$9300.00}. Repayments began in XXXX. The balances is now {$9900.00} after more than {$5500.00} in payments. In XX/XX/XXXX, the portion of my payment that was applied to this particular loan was {$78.00}. Guess how much was applied to principal?? {$1.00}. Read that again. {$1.00}. That is with an interest rate of 6.55 %. I have two consolidation loans with a rate of 4.875 %. The portion of my XX/XX/XXXX payment that was applied to them was {$130.00}. Again, guess how much was applied to principal?? {$8.00}. Less than {$10.00}. What kind of voodoo math makes 4.875 % of {$130.00} over {$120.00}?? At one point, I think in XXXX, I tried to get those two consolidation loans amortized for a shorter period so that more of my payment would be applied to the principal. They came back and said I couldn't, but just simply making the request caused the 25 year repayment plan to START OVER. Even less was being applied to principal. My complaint is not against my servicer. It is against the government for violating UDAAP, stealing money, and using student loans as a mechanism to keep people in debt. I have attached screenshots which show my XX/XX/XXXX payment details, a possible 10 year amortization schedue, and a printout of all of my student loan details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
XXXX XXXX and Lockhart Morris & Mont I am writing to formally dispute information on my credit report that does not belong to me and is negatively impacting my creditworthiness. The inaccurate information in question is associated with my credit report, and I kindly request its immediate removal to rectify this erroneous situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: UT

Complaint narrative:
I signed up for Autopay in XXXX XX/XX/23. Payment was due XX/XX/23. Today is XX/XX/23 and i didn't see any activity on my checking account so i checked Aidvantage and it doesn't show any payment processing. Instead it shows a past due amount! 
I immediately made a payment XX/XX/23 to not be delinquent. 
I just got off the phone with Aidvantage and the service representative said this won't effect my credit score? The representative said it can take 10-14 days for the Autopay to be set up with the bank. I don't want my credit score showing I missed a payment because Aidvantage is slow. We communicate near the speed of light and yet it takes 10-14 days for Autopay to be set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: AZ

Complaint narrative:
To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
Sent papers showing my dad XXXX XXXX property was in my name now to get mortgage assumption / mortgage assistance. Mortgage assistance application with my financials were sent to mortgage company. They are giving me a hard time with my request. They always tell me the file is in research and the file has not been updated with my documents. I don't want to lose the property to foreclosure because they are giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: NE

Complaint narrative:
See document attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XXXX deposited XXXX checks from a settlement {$4100.00} & {$2700.00} Next day they put my account on hold. Saying i will be receiving a letting the mail for the funds. When i deposit the funds it told me it will be available next day but i woke up to a locked account. Debt card off & online access cut off. 
When i got the letter it told me my funds will be available on XX/XX/XXXX. On XX/XX/XXXX i called it they sent my account to review ( it's no way to to contact the back office they only email them ). They said i should be getting another letter in the mail. I got the XXXX letter and it told me my money won't be released until XX/XX/XXXX. Due to they think it's a fraudulent check. I went to the branch to provide the settlement documents & proof of the checks. They said it's nothing they can do because back office locked the access to the account. I spoke to XXXX person they told me best option was to speak to my lawyer to have them stop payment the checks and reissue a new one. When i contacted my lawyer to contact the people I sued the other party stated the funds have been already cleared out their account it's my bank that's not wanting to clear the money. When i called back the XXXX told me they think the money is going to bounce back that's why they didn't release your money although it cleared. It's been a month. I even try to set up a conference call with my lawyer their lawyer and the other party so they can clear my checks they said they will not speak to nobody that i have to wait until they feel like reaching out again. The checks have now been cleared from XX/XX/XXXX with the proof attached from the other party showing the checks cleared on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: CORELOGIC INC
State: GA

Complaint narrative:
There are several inquiries on my credict report that I did not submit.

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 2023-11-07 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: MI

Complaint narrative:
XXXX prove you are the student loan servicer of the federa consoldation by providing a copy of the U.S. Department of Education serviceing Agreement with XXXX to service the federal consolidation loan. XXXX the real U.S Department of Education General Counselor Terminated the federal consolidation loan for fraud XX/XX/XXXX and that Stands. XXXX why do you keep offering different ways to keep the fraud consolidation loan on your books. XXXX you have offered me to consult the ED Resolution Group, I declined. XXXX you offered a reduced amount of money from over {$80000.00} to {$39000.00} I declined. XXXX you offered a loan forgiveness, I declined. 
XXXX you should have sent me a letter first before damaging my credit reports and scores illegally. The real U.S. Department of Education ( Secretary ) rejected XXXX XXXX XXXX on XX/XX/XXXX and terminated the loan on XX/XX/XXXX no Biden-Harris loan forgiveness qualify.and not applied for and not needed. The real U.S. Department of Education does not own your federal consolidation loan. Their is no federal lender on the consolidation loan. Issueing a loan forgiveness will just be fraud on fraud. XXXX the federal consolidation was orginated by the University of Detroit Mercy school code OPEID number and does not qualify for loan forgiveness. The U.S. Department of Education General Counselor would have aprove it aka the Secretary a loan forgiveness but they did not. XXXX you have no authority to make any decision on the fraud consolidation loan. XXXX prove the real U.S. Department of Education Agreement with XXXX to service thisTerminated federal consolidation loan. I will be waiting on the documents for 15 days. XXXX If I do not receive a copy of your contract with the U.S. Department of Education to service the Terminated and fraud consolidation loan I will start the lawsuit. Equifax I request you to block the student loan by ED XXXX in 4 days because XXXX stole my identity to steal money from the U.S. Department of Education for serviceing fees and bonuses. The real U.S. Department of Education does not this student loan.

Company response to consumer: Closed with explanation