vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THIS IS AN INSURANCE BILLING ISSUE. MY INSURANCE PLAN PROVIDER FROM PREVIOUS EMPLOYER WAS XXXX. I WAS ASSIGNED TO XXXX AS MY CARRIER. THEN AT YEARS END TO XXXX. DURING THE SWITCH OVER MY MEDICAL PROVIDERS GOT THE BILLING MIXED UP AND MY XXXX WRONG! I WROTE TO XXXX, WHO ASSIGNED A MANAGER TO INVESTIGATE. SHE CONTACTED XXXX XXXX  ABOUT THE MIX UP. PROVIDED THEM WITH THE CORRECT XXXX AND BILL AMOUNT. WHICH I PROMPTLY PAID IN FULL! SENT XXXX XXXX A MESSAGE CORRESPONDENCE VIA MY HEALTH PORTAL WITH A SCREEN SHOT OF THE BILL I PAID IN FULL. THEY IGNORED THIS AND CONTINUED TO BILL ME THE INCORRECT AMOUNT. AND THEN REPORT IT TO A COLLECTIONS AGENCY! MY WIFE AND I HAVE STRUGGLED VERY HARD TO ACHIEVE AN EXCELLENT CREDIT SCORE AND AS WE ARE IN THE PROCESS OF PURCHASING A NEW HOME... THIS NEGATIVE REPORT HAS AFFECTED OUR CREDIT SCORE AND 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 2024-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have been a banking customer at Marcus GS for a long time since I was still a graduate student and throughout the time I was working in XXXX. However, I recently started working in XXXX and when I tried to access my account, my access got blocked and my account was therefore locked. It has been more than 6 months and despite numerous calls, there has been no change to my account status and I am still unable to access my account despite having provided numerous details, notarized certifications, and other things. For each my call, the customer service representative will only tell me that it is blocked, there is something wrong with my phone number ( e.g., they can not send a text or the number is not registered under my name, which are odd because I have never encountered these issues and the number is validly registered under my name ), and the account will be subject to further reviews for several business days. It seems that the whole thing is just a stalling tactic and Marcus GS has been acting in bad faith by preventing me from accessing my own money or providing a reasonable way to resolve the issue. It has been very frustrating and I would like to switch my bank from Marcus GS if possible, because they do not even have a physical branch for me to come and show my ID and other materials that are needed to unlock this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
The pnc bank in XXXX nj took my deposit of {$1500.00} which was issued by the state of nj for an anchor benefit. PNC cleared the check and made funds provided, i used partial of the funds. I deposited the check on XX/XX/XXXX check cleared XX/XX/XXXX use funds and then PNC returned the check and charged me fees and overdrawn my account. On XX/XX/XXXX I contacted customer service and spoke to XXXX she informed that the check was still pending in my account and I should call back tomorrow. Resistantly ( because how id the check clear and i access to funds if check was still pending? ) i decided to call back on XX/XX/XXXX. I called back on XX/XX/XXXX spoke to customer service first they said that the name on the check and the name on my account didnt mathc WHAT? your teller took my id took my husbands id told us to sign the check and deposit it into the account. If the name didnt match which it did why did she deposit the check? After an hour on the phone with customer service and a bunch of different reason ( like its the state of nj fault call them ( which I did ), then it was XXXX XXXX XXXX  fault to call them ( which I did ), no problems on their ends they said contact my bank. So again why did PNC bank check cleared but was took back I asked to speak to a supervisor. The supervisor name was XXXX she first stated again that its because name didnt match, here we go again ... ..then she changed her mind and stated that is was because i didnt put the account number on the back of the check?? Again, WHAT if that was the case why didnt your teller inform me to put the account number on the check... .and why would i when i used a deposit slip. So after more excuses blaming everyone else and XXXX hours and XXXX mins later. I finally asked her tell me how to you deposit a check clear the funds i use the funds and then you take it back, no complete answer just that its XXXX fault. How do you release funds to me without getting the check cleared from XXXX. I asked to speak to her manager after another XXXX mins o

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had written a check to XXXX water Board, After a few months I found out the check which was made out to an official organization was cashed by a random person instead of XXXX Water board. I contacted my bank which was JPM Chase and notified them as soon as I knew, they refused my claim even though it was clearly fraud. The person at chase I spoke to specifically said it was cashed by one of their clients ( i.e chase still has my money ). Chase Teller who cashed the check did not look at front of the check which was made to a XXXX state government organization and gave it to a random person which is illegal. The copy of the check that chase scanned when they cashed it clearly has XXXX water Board and they clearly deposited it into a personal bank account which makes no sense, shows they did not verify the ID to who the Check was made out to. Also shows they did not verify that a person should not get a check written out to XXXX Goverment Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was told to pay off this debt and it would be removed from my credit. It was a bilateral agreement and they breached their contract with me. I paid the balance and it was once removed from my credit na snow it has been added again and they will not agree to take it off. 

My reasoning for my pride? Why would I pay for the bill it it still affects my credit exactly the same ad a negative report. I have good credit and worked hard earnestly through Covid and this is the result. Money hungry collectors. Please have XXXX remove from my credit. 
I would appreciate it. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/ Unable to manage credit freeze without signing up for Experian 's premium service on their website.

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 2024-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I have an issue with Bridgecrest. They charge outrageous interest charges. I have been making bi weekly payments toward a used XXXX XXXX XXXX  since XX/XX/. The payments were supposed to be {$350.00} per month not biweekly for five years. The total including finance charges is {$55000.00} in which I could have purchased a brand new car for this amount. This amount surpass my annual income. I have made some repairs on it already such as the right signal light and oil and filter change. The roof leaks each time it rains and leak down in the center console. The car had XXXX at the time of purchase. At this rate, I will not be able to repair my credit nor get something reliable to get back and forth to work in. Any suggestions are greatly appreciated it? Thank you!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: FL

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.

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-01-22 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: FL

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. 

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I was not offered federal money instead of taking out private loan money. Also, first XXXX just lowered it to 50 % but the loan is almost paid off. Its a little to late. They haven't emulated balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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.

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 2024-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had an existing XXXX Savings account with Capital One and it has come to my understanding that they put out a new account with a similar name called a XXXX XXXX XXXX account with considerably more APR. We were never notified that there was a distinction between these two similarly sounding accounts. One had an APR of XXXX and the other XXXX XXXX. Had I been informed by Capital One that these were not the same APR yielding accounts, I would have moved my money sooner to the higher yielding account. I had about {$41000.00} in the older account which they advertised at the time as a great rate. It was a great rate at around XXXX XXXX  at the time I opened it. When the interest rates started a down turn, the savings account automatically went down, understandably. I assumed that when interest rates were increasing that the savings account would have automatically increased. What Capital One did was keep the existing account holders at the low XXXX APR and offered a new account, with a deceptively similar name called the XXXX XXXX XXXX account at a XXXX XXXX XXXXor new customers. I believed that the rates would have fluctuated with the market as they went up just as they went down with market rate changes. As it stands now I have been getting approximately {$10.00} per month in interest when the new XXXX XXXX account would have offered {$150.00} per month in the year of XXXX. I have since moved all of my money to the new XXXX XXXX XXXX account. There should have been an automatic adjustment upward in rate just as they automatically adjusted downward. If there is any reconciliation of this matter, I would want to be advised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I open a new account with navy Federal bank and the approved me then a couple days after they put a hold on my account bc they say another bank I'm guessing they talk about XXXX XXXX XXXX which thet account was open in my name without my knowledge in another state I have been fighting this for months and there is still a hold on my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
Since XX/XX/23 I have been calling Department of Education, XXXX, and MOHELA to accurately report that MOHELA purchased my loan and that my Department of EdXXXX XXXX XXXX paid in full/transferred. To date, MOHELA has hung up on me, refused to accurately and fairly report the change of loan servicer, and told me to go back to XXXX who per The Dept of Ed Ombudsman can not fix the issue. It MUST be reported by MOHELA. 

This action is doing REAL physical and psychological harm to me as an individual. I am at risk of losing the home I live in because the landlord wants to sell the property and I can not purchase it with this erroneous and illegal reporting on my record making it appear that I owe {$130000.00} on my student loans instead of {$68000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent a written request to XXXX XXXX XXXX informing them of two accounts reporting incorrect information on my credit report. I attached to the letter, a copy of my report and detailed the information that was incorrect on both accounts. Specifically, both Portfolio Recovery Associates ( XXXX ) and XXXX XXXX XXXX ( XXXX ) are employing the commonly used tactic of " re-aging '' collection accounts to circumvent the FCRA and allow the account to be reported for more than seven ( 7 ) years. I notified XXXX of this illegal tactic and instead of actually conducting an investigation into the accounts, XXXX used an algorithm-based investigation and generated an automatic decision showing the accounts as " Verified and Updated. '' However, the collection agency did not provide the information requested nor did they update any incorrect information. The collection agency simply re-submitted identical information ( still incorrect ), provided no supporting documents, and XXXX validated the information. This is completely unacceptable. For consumers to trust and rely upon the Credit Bureaus, the Bureau has a duty to objectively investigate consumer disputes. XXXX conducted NO investigation and simply verified inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/XXXX a registered security was submitted to this company 's Trustee for the purpose of satisfying the outstanding obligation pursuant UCC 3-603 and UCC 3-604 . A billing error notice was submitted and an instrument was tendered in good faith and with the intent to discharge the debt in full pursuant UCC 3-311. I gave beneficiary instructions along with the security stating to process the tender of payment with special endorsement for the principal account for satisfaction and discharge as well as cancellation pursuant the trust indenture for the issuer and registrar. I gave notice to fulfill fiduciary duties and perform, per the Trust Indenture agreement, Trust Indenture Act of 1939 and Securities Act of 1933. The IRS-accepted 1099-A was submitted to the company as well to legally set off the debt. My account was not adjusted properly and was closed. As a federally protected living consumer and investor, I'm exercising my legal rights and putting this matter on the record with the CFPB. I understand the importance of compliance with the SEC, XXXXXXXX XXXX  and UCC rules and guidelines in relation to handling securities. So, once the forensic audit proves my XXXX number is being transferred, sold and traded and I obtain an accounting from the Department of Revenue on the public and private side, I'll file arbitration to prove my claim of securities fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Well, on my XXXX, I received a pop-up from XXXX XXXX XXXX I do not have a XXXX lifelong account how ever it said that I needed to speak with somebody on the online chat option. Which I did. I was speaking with a gentleman by the name of XXXX XXXX. He said that I was being charged {$290.00} for a service. That in order to cancel that service and have it refund it I needed to put in my account information in order to initial eight the refund. Well I'm putting my account information on their side. They changed it from $ XXXX {$29000.00}. They end up being able to with drawl {$19000.00} from my account while I was on the phone with them. I immediately reach out to my bank, Suncoast schools federal credit union. They advised me that I had to file a claim with them. I reached out to the sheriffs office in order to file a report. They told me that I could not file a report with them because of where I live. My bank still has not refunded my money. I do have copies of all of the documentation. I have since transferred any remaining balance from that account to a new bank. I was on the phone with the bank for 6 hours. I am now filing a complaint with the XXXX Police Department as I am in the incorporated part of XXXX when this happened. I spoke with XXXX XXXX at Suncoast Schools Credit Union at XXXX x XXXX while in person at XXXX XXXX XXXX XXXX XXXX, FL XXXX. Have subsequently called to speak to the bank manager at the same location. Can't seem to get resolution with Suncoast Schools FCU or XXXX XXXX XXXX who was the name of the business.

Company response to consumer: Closed with explanation