vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I went through a bankruptcy in XXXX. Pen fed has a private student loan which was not included in my bankruptcy discharge. However they put my account in bankruptcy after the case. I continued to make payments and was told that it was kept in house at pen fed but could be sent to collections. They enrolled me in a program that after 6 months my account would be brought current and out of bankruptcy. I provided them the court documents showing that I did not claim the loan in my case. After 9 months in the program I was informed that my loan is current but will continue to be bankrupt and I can never get it out of bankrupt status. Pen fed claims my payments were voluntary and that they did not force me to make payments. They said the program will never bring me out of bankruptcy. They will not give me any recorded conversations with their delinquency department from the last 12 months. They will also not let me speak to the bankruptcy or legal teams. I was told by a supervisor name XXXX XXXX at ext XXXX and another supervisor XXXX XXXX at ext XXXX that my account is current and bankrupt at the same time and that my account was included in bankruptcy and that my account will always be bankrupt. When I asked for an explanation and why they would continue to take all these payments and say this program would fix it. I get no response that resolves this.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery has reported an account associated to me but this is not true. Account open on XX/XX/2023 for the amount XXXX .. Not sure what this account is and who it belongs to but this is not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Lost money between two bank accounts ACH external transaction I initiated {$550.00} ACH external transaction from AMEX checking account ( XXXX ) to Citi Bank savings account ( XXXX ) on XX/XX/2023. 

Citi received the money on the same day ( XX/XX/2023 ) but automatically reversed the money back to Amex two days later ( XX/XX/2023 ) for unknown reason. I didn't authorize this. 

But Amex did not receive the money. My money went to nowhere.

Reason for the money reversal : Citi : there was not enough money in Amex checking account Amex : Money was enough. We didn't inquire to reverse.

Investigations : Citi : Citi started two investigations and confirmed the money was reversed back to Amex Amex : We did not receive the money. We can't start investigation because the transaction is not on our end. 

Result : I lost the money. {$550.00}.

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 explanation
Consumer complaint received 2024-01-11 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: FL

Complaint narrative:
CASE NUMBER : XXXX Department of Revenue I have recently become aware of a significant legal development regarding child support, which directly impacts the validity of the aforementioned cases. According to a recent Supreme Court ruling, child support has been declared unconstitutional under Article 3, Section 1. In light of this ruling, I firmly believe that all prior child support orders and associated arrears should be vacated. 

I kindly request that you carefully review the implications of this ruling and take appropriate action to vacate the listed cases, including any previously ordered child support and related arrears. It is crucial to align our legal system with the principles established by the Supreme Court and ensure justice for all affected parties The Equal Protection Clause of the Fourteenth Amendment to the United States Constitution reads : " No State shall ... deny to any person within its jurisdiction the equal protection of the laws. '' I believe that my child support order, as it currently stands, unfairly discriminates against me and infringes upon my constitutional rights. I respectfully request that the Department of Revenue, State of Florida, re-evaluate my child support order, taking into consideration the following reasons for termination : Equal Protection : The current child support order places an unfair burden on me and does not provide for equal protection under the law, as mandated by the Equal Protection Clause of the Fourteenth Amendment. 

Best Interests of the Child : I believe that terminating the child support order is in the best interests of the child, as my ability to provide emotional and financial support has been severely hindered. 

The above IV-D case number is depriving me of inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitution. 
Thank you for you cooperation

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 2024-01-10 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: AL

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 2024-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Early in XXXX  approximately XXXX I was contacted by JP Morgan, Chase Bank that I need to provide proof of insurance on my condo. I did that and got no response. Then I got another notice to do the same thing. Again I sent the information in no response. The third time I requested to speak to XXXX Escalation Dept. I had my Insurance Agent and Myself provide Proof of insurance for the third time. Finally, they said it was resolved. In XXXX I got a notice again to provide for Insurance. Again, I did this to my Chase info website. I got a note that everything was good and I was good. On XX/XX/XXXX I got a notice from Chase that they placed insurance on my property for {$1200.00} which was incorrect. I am looking to do a refinance on my property and for the fourth time this year, Ill try to reach out to Chase to rectify this and Ive got no response. My condo insurance for the association is due for renewal in XXXX. XX/XX/XXXX to be exact. I need to get this removed off of my mortgage and Im looking for assistance with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OPTUM BANK, INC.
State: FL

Complaint narrative:
This is a continuation of Complaint ID XXXX. Although the company responded and it appeared that my issue would be resolved, I have continued to receive bills for services that I already paid for. Long story short, I paid my required co-pay for XXXX separate visits to my child 's XXXX  but the payments were not applied to my account. As such, I have received a bill for each visit every month for the last 7 months and counting. I have provided the company with proof of my payments twice now and they still refuse to apply the payments to my account and continue harassing me for payment. Attached are the receipts of my payments as well as my credit card statements showing the payments I made that were not applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: ID

Complaint narrative:
I received two unauthorized XXXX transactions on my checking account. Both transactions occurred on XXXX XXXX, 2023. I called the bank on XX/XX/2023 and reported the pending XXXX transactions and informed them that the transactions were not authorized, and that I have never used XXXX before. The transactions were ; one for {$900.00}, and another for {$2000.00}. They were both addressed to XXXX XXXX. I do not know this person. They told me to wait XXXX business days for their investigation. At the end of the XXXX business days, the claim was denied stating that the reason for the denial of the refund was that the " transactions were both authorized from the same device ''. I asked for further clarification and they stated that the transactions happened from the same region and that there was no record of any IP address of the device where the transactions took place. I did not make these transactions.I was never asked to approve any XXXX transactions, and I have never used XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On about XXXX XXXX, I received a call from the manager at Regions Bank at XXXX XXXX XXXX XXXX XXXX TN XXXX Inquiring if I withdrawed a large sum of money from my XXXX XXXX account early in XXXX, which I told her no and I asked if I should come to the bank. 
She copied my ID and I saw a withdrawal slip with my printed name on it, a signature and my account number. With date if XX/XX/ with the amount of {$1800.00}. We both agreed that was not my handwriting. 
I also asked her what made her look at my account and was informed that an investigation was in process regarding other accounts and that I should get my money deposit back in my account within 30 days. 
On XX/XX/XXXX, I received a letter denying that I would not get my money back because I didn't report it within 30 days. I protested and the bank reopened the investigation. On XXXX XXXX XXXX I received a 2nd with the same denial letter. 
This account was part of my retirement plan so I never withdrawed money since I opened it. I check my quarterly for amount of interest earned because i only made deposits. I was in the bank on XX/XX/XXXX to stop automatic deposit in my money market account as I retired on XX/XX/. The only thing I did on XX/XX/XXXX was spoke with customer service representative at his desk and no teller transactions was done. 
If an investigation was done, and if cameras were in the bank it should have showed who took my money and which teller gave the money. 
I put money in the bank for safe keeping and not have someone to take it. 
Please help Thank you kindly See attachment of unauthorized withdrawal slip and my withdrawal slip with my handwriting signature XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX or 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 monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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

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 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
I am not liable for this debt with XXXX XXXX, I do not have a contract with Outsource Receivables MG, they did not provide me with a signed contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: IA

Complaint narrative:
In XX/XX/XXXX I put in a borrowers defense to repayment and on the application, it said that if I wanted all my loans I could put them in forbearance. Fast forward to XX/XX/XXXX. I sent in my renewal paperwork to student aid, and they said that my provider aidvantage processed the paperwork. I waited a little while and I called aidvantage and they told me they never received anything from student aid and that they were told in XXXX that I didnt qualify for the forbearance from the borrowers defense application, but I was never contacted! So the following day, a lady called me from aidvantage and told me that she would enroll me in the save plan. I told her I was worried about it cause a lot of times the payments on your student loans go up, and she assured me that wouldnt happen yet today XX/XX/XXXX I login in my payment is {$770.00} and Im not even working due to a XXXX. I also contacted student aid and they emailed me back and said that I did qualify for forbearance, and they would forward it to my servicer again!! Im more than frustrated!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I never opened the account with syncrony bank ( XXXX XXXX ). I have reported this to the credit card company as fraud before. 

This account was never opened, and should be removed from my credit reports.

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 2024-01-11 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: TN

Complaint narrative:
I have provided TransUnion will all requested documents for my identity theft case and unlike the other 2 credit bureaus they continue to refuse to remove fraudulent information from my credit report. File number XXXX. I have provided an FTC identity theft report, a police report affidavit and all identity verification documents that are required. This is in regard to the fraudulent account opened in my name with XXXX XXXX. XXXX complied with the requests and the law but TransUnion is refusing to do so. TransUnion is in violation of the Fair Credit Reporting Act in continuing to not remove a fraudulent account from my report. They are basically saying I am a liar when i have been the victim. You are harming my ability to obtain any new credit. 

As clearly shown by the legislative history of the FCRA identity theft revisions, of which section 605B is the key provision, the purpose was to avoid any involvement of the furnisher or CRA in investigating the issue of asserted identity theft. If the consumer is willing to make a sworn statement before law enforcement, which carries criminal penalties for knowingly false statements, then that assertion itself is adequate to block the information from the consumer 's credit report. Conducting an investigation of the furnisher 's reporting is not part of the identity theft blocking process, and is not basis for denying the block under section 605B.

Their action appears to thus be willful noncompliance with the statute, subjecting them to punitive damages and court/legal fess, per FCRA 616. I will be seeking these damages against TransUnion if this fraudulent account information is not removed from my credit report 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 explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Merrill Lynch still refuses to give me my money and just on XXXX XXXX i called them and they said a check was sent on XXXX XXXX then i calley again on the XXXX and they said they sent it to XXXX still not true they are holding my funds because of the situation with the check cashing place which has nothing to do with them the check cashing place has their money so that's all XXXX. XXXX paid XXXX and sent my funds to them those are my funds, i'm not doing anything fraudently, the i spoke with XXXX and they told me all the dates the check cashing place was calling and pretending to be me I even tried to put a stop payment on the check but it was already paid to Merrill lynch and they have not sent anything back to them and how would they know about the check cashing place and what they are assuming what happen anyway thats because the check cashing place was upset when i changed my mind due to their high fees not posted in their place of business.I don't owe no one anything i never got my money and i been waiting since XX/XX/2023, they are making false reports of fraud and closed my account listening to the lies of that check cashing place that i have filed a complaint against as well next it will be a law suit, the check cashing place deposited two different remote deposits of the same check on different dates the first date was XX/XX/XXXX and it came back on XX/XX/XXXX then they did it again and it came back on XX/XX/XXXX so why would they give money up if it already bounced cause they didn't not to me so i want my money from XXXX cause XXXX does not have it.The check cashing place was trying to make me cash that check there but their fees were too high and i only learned that it was illegal for them to charge that the next day. I would appreciate it if merrill lynch would stop being rude to me cause i want my money and to stop telling me different lies cause they are trying to keep my money.

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 2024-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to you in regards to the collection account that is appearing on my credit report. I have no knowledge of this account and have sent letters requesting validation to the medical collection agency, but they have failed to provide any proof. If they can not validate it, how can you report it?! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$50.00}. Since the collection agency can not provide any information about the debt, perhaps you can tell me who the original creditor is, what service they performed, where they are located, and the amount of the balance. Since the collection agency can not confirm it, I expect that you can not either, and thus, it must be removed from my credit report. If you fail to do so, I will be forced to involve the Federal Trade Commission. I have sent numerous letters to your company requesting that you investigate the list of inquiries reporting on my credit report, which I believe are inaccurate. Your failure to respond is in violation of the Fair Credit Reporting Act and will not be tolerated. In case you are willing to settle this matter amicably, I will list the inquiries in question once again, so you can do your job as per the FCRA guidelines. Please investigate the following 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 XX/XX/XXXX. I have tried contacting these companies on my own, but I have not received any response. I even tried reaching them using the phone numbers provided on my credit report, but half of them are incorrect. The companies that I could get in touch with have no record of me.

Company response to consumer: Closed with explanation