vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank issued the loan for my new XXXX  vehicle and since the inception of this loan, they have consistently FAILED to provide the monthly statement/payment forms in a timely manner. With my monthly payment due onthe XXXX ofthe month, PNC typically mails these AFTER the XXXX of the month- meaning I do not recieve their statement until about the XXXX to the XXXX of the month which makes it difficult/sometimes impossible to sent the payment in time to meet the monthly due date of the XXXX!!!!! I've spoken with them on several occasions about this to no avail. My concern is that THEIR TARDINESS results in my payments being " overdue '' and late, with the subsequent negative reporting to the Credit Reporting Organizations! My understanding is that there is a REQUIREMENT for the lender to provide the billing statement so that I RECEIVE it a minimum of 10 days prior to the due date. PNC Bank has NEVER EVEN COME CLOSE TO THIS! They barely even mail it out 10 days prior to the due date, thus putting my credit rating is at risk due to THEIR DELENQUENCY!!!!!! Can you HELP??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On Monday XX/XX/XXXX, I had a deposit of my XXXX payment to my XXXX account. I logged into the app and transferred {$3000.00} to my linked Navy Federal Credit Union account to pay some of my bills. The transferred had reflected as going through. I had a balance left was {$780.00}. I logged off the app once I was done. I tried logging back in to check to see when my insurance payment was due and got a message that I was locked out of my account. I called XXXX and told them something was going on with my account. They told me that I was locked out because there was several transactions done that looked suspicious and someone had breached my account and locked me out. She also said they believe that they got my Navy Federal account number as well. I then called Navy Federal right after on XX/XX/XXXX and the next morning XX/XX/XXXX to report to them that there had been a breach on my XXXX account and I would like a fraud alert added to my account there. No one explained to me on each call that they do not do " fraud alerts '' just add a note to the account. On Friday XX/XX/XXXX, I called XXXX to get a status update on the process and I was told they decided not to give me my funds back and my account was in the negative - {$110.00}. They also stated that they sent a letter to Navy Federal requesting the {$3000.00} be sent back to them which put my account in a negative status- {$2000.00} ( currently ). Navy Federal took {$1100.00} from my account and sent it to XXXX and did not notify me they had received this letter. They also took {$540.00} out of my savings account. They closed my account ending in XXXX and opened a new one then added the negative balance. It now shows - {$1400.00}. I now have no funds and no way to pay the rest of my bills. 
They are in violation of 15 U.S. Code 6821, 15 USC 1692g 809. Validation of debts and 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: FL

Complaint narrative:
I was charged 9 unauthorized and unknown charges on XX/XX/2023. Each charge was {$38.00}. I also received 9 charges unauthorized and unknown of {$1.00} on XX/XX/2023. All of these charges were from a company called XXXX XXXX, which I have never heard of. I called my bank, Chase Bank, on the same day, XX/XX/2023, and reported these charges. They temporarily refunded these charges while they launched an investigation. 

Then, today, XX/XX/2023, the bank reverts their refund and re-charges me a total of {$340.00}, the accumulated amount of the {$38.00} charges. When I call to ask for an explanation, they say that the original charge was made using XXXX XXXX, which I offered to provide them the receipts of because I did not have any XXXX XXXX  charges. They say that they didn't see anyone new add my card using XXXX XXXX, so they could not prove that this was fraud and then charged me the {$340.00}. I did not make these charges and no one else has access to my card via XXXX XXXX, and they now deleted my card off of XXXX XXXX so that I can not access my transaction history.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08 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: IL

Complaint narrative:
Please have this removed from my consumer report. ( XXXX, XXXX, And Equifax etc. ) 15 usc 1681 b ( 2 ) ( a ) ( i ) XXXX XXXX 590 % credit card utilization {$6400.00} 5 hard inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please have this removed from my consumer report. ( Experian, XXXX, And XXXX etc. ) 15 usc 1681 b ( 2 ) ( a ) ( i ) XXXX XXXX 590 % credit card utilization {$6400.00} 5 hard inquiries

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 2023-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Michigan Mutual, Inc.
State: MI

Complaint narrative:
I am currently one month behind and have been sending in extra on each payment to get myself caught up. Their loss mitigation department would only offer a 40 year loan modification raising my interest rate from 2.5 % to almost 8 %. I don't see where one month behind in payments constitutes the mortgage company making hundreds of thousands on a XXXX payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Inquiry Date : XXXX. XXXX, 2022 The evidence of this hard inquiry was requested and in fact that is not my signature or handwriting and I reiterate that this was identity theft and was used without my consent.

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 2023-11-08 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: CA

Complaint narrative:
After going back and forth this entire year with Equifax since reviewing my credit report earlier this year and finding fraudulent accounts opened under my name that I had no knowledge of.. 

I have mailed in the documents requested from me and have not seen the corrections that need to be made on my credit report. I spoke with many customer service representatives of Equifax and made disputes over the phone. 

I was told to also write a dispute letter and send them certified mail to their headquarters where it can reach their dispute department. 

Being told that after their investigation is complete I would receive an update with the corrections made, yet nothing was done to fix their mistakes. Equifax is misinformed with the " verified '' information regarding the accounts I have disputed with them. Even after asking for the physical validation proof that the debt they claim is mine, they continue to neglect their duty to adhere to the FCRA and do not make the corrections to fix their mistakes! 

The following accounts listed below are unverifiable, inaccurate, misleading, and unlawful to report by Equifax and MUST BE DELETED IMMEDIETELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: MD

Complaint narrative:
I was seen at emergency room due to car accident, XX/XX/2021, XXXX XXXX XXXX, I did provide insurance information to hospital at time of visit, the hospital didn't submit to insurance, and I didn't receive any information from hospital for debt, until I found on credit report, I have requested removal several times, without reply. I asked XXXX to submit payment, and State collection didn't reply with any documentation in the time of compliance, therefore debt is not my responsibility per XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: 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. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX 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 non-monetary relief
Consumer complaint received 2023-11-08 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: LA

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of American access my credit file without my consent and took adverse action against me based on my non public information twice. first they lowered my limit and then closed my account for the same reasons both times

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 2023-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX IVE SENT IN LETTERS DISPUTING THIS NEGATIVE ACOUNT. I ALSO CALLED AND SENT IN A FTC REPORT TO DISPUTE THIS ACCOUNT. I ALSO HAVE SCREENSHOTS THAT SHOWS THIS NEGATIVE ACCOUNT IS NOT REPORTING XXXX PERCENT ACCURATE ANYWAY. ON THE SCREENSHOT THE MONTHLY PAYMENTS ARE NOT THE SAME, THE OPEN DATE ARE NOT THE SAME, THE BALANCE ARE NOT THE SAME, THE DATE LAST ACTIVE ARE NOT THE SAME. EVEN THE LATE PAYMENTS ARE NOT THE SAME. ACCORDING TO THE FCRA ALL ITEMS MUST BE XXXX PERECENT ACCURATE AND THIS ITEM IS NOT. PLEASE DELETE { XXXX } ACCOUNT # XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within XXXX Business Days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
My identity was stolen- my car was broken into and my wallet that contain my ssn and id was stolen. almost a year later two credit cards was open and started being reported as charge off to CRA. The original creditors are XXXX XXXX. I disputed the account with the original creditor and the CRAs multiple time. I made them aware that this account was open with out my consent and I provided the identity theft report filed with the FTC. Both accounts are being reported as charge account and one account was sold to Midland Credit Management and now being reported as a collection. I file a dispute requesting validation and did not receive any proof that the account was mine. The name and address on the account is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
To whom it may concern.. 

My complaint is both with American Express and a merchant called XXXX. 

Situation : On XX/XX/XXXX I booked a flight on a website called eDreams with XXXX airlines. The flight was scheduled to take off on XX/XX/XXXX from XXXX to XXXX. On XX/XX/XXXX, my XXXX  and I showed up at the proper airport to board our flight and the airlines said they had no record of our tickets and the confirmation that XXXX sent us was not in their system. The airlines checked the records with our names/passports and said there is no record of any flight. 

I reached out to XXXX for a refund stating the issue and XXXX said that it was a valid charge since they sent a confirmation email. When we asked them to give us a record of the ticket, they could not produce it and requested us to ask for a refund from the airline. We've reached out to the airline and they don't have any record of our ticket so they aren't able to provide a refund for a ticket that was never issued. 

I disputed this charge with American Express 3 times with no resolution. The first denial came when they said XXXX provided a confirmation of the purchase. I re-disputed the charge and American Express agreed that they would cancel the charge if they could find a copy of the ticket. They just responded to deny the dispute with the reasoning that they had found a copy of the ticket. However, the copy of the ticket was for a flight that I purchased directly with the airlines on XX/XX/XXXX. 

American Express nor XXXX can provide a copy of the ticket and I have proof from the airlines that there is no record of my ticket. Yet, both American Express and XXXX state that this is a vaild charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/2023 my online banking was hacked. Someone named XXXX XXXX tried to send a bank check through TD 's online banking " Pay a Bill '' section for {$3500.00}. This transaction did not go through, however on XX/XX/2023 the same process occurred and TD Bank wrote and sent a check to someone named XXXX XXXX XXXX for {$7000.00}. I do not know either of these people. I saw a copy of the bank check sent to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, Utah. I did not approve any of these transactions and I made that extremely clear to TD Bank multiple times. I disputed this to TD and they claimed it was not fraud and closed my case. I reopened the case and the same thing happened. I reopened the case again and threatened to get a lawyer and only then was a real person assigned to my case and they claimed again that it was not fraud. I had tried to file an affidavit, filled out all the paperwork, and they never filed it. I have spoken to many representatives and none were helpful. The man who I spoke to after I threatened a lawyer was named XXXX. I have gone to the police and filed a police report against XXXX XXXX XXXX but was told that my town 's police department can not help with cyber crimes. I was told that my report is now in all police criminal activity bases around the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I have been paying g {$200.00} a week to Mohela starting XX/XX/. This amount continued when repayments started up last month. Starting in XXXX, I added {$65.00} to the last week of the month to meet the monthly minimum of {$850.00}. 
When the payment period ended and the end of last month, the Mohela website showed an outstanding balance of over {$700.00} even though I had paid {$860.00} last month. Their system shows that they recieved the payments, and I recieved email confirmation for each one. I sent a message through their website as they did not have an email on XX/XX/ asking why this was. The only response I recieved was a link to make a payment. I tried calling them on XXXX and waited on hold for XXXX hours without receiving any assistance. 
I sent an additional message about this issue on XX/XX/ and still have not heard back from Mohela. 
It is worth noting that I did not recieve a XXXX billing notice until XX/XX/ I'm not sure what else to do. I have been paying every week and I do not want to be harassed by debt collectors or be charged a late fee for money I've already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I did not recognize any of the following inquiries and did not authorize them. 

Trans Union : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08 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: GA

Complaint narrative:
They post it to all 3 bureaus without my permission. The corporate United States created a tacit mortgage on my private property without my knowledge or consent and is using it as collateral for loans of credit and money substitute from the non-federal Federal Reserve Bank. HJR 192 of 1933 and UCC 10-104 and 1-104 which is my congressionally designated right. You have 24 hours to remove it. I want to be notified when its done..

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 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
HSBC refuses to return {$10000.00} sent to them from XXXX XXXX 's XXXX XXXX XXXX Account on XXXX. They have received the information requested on XXXX. ( see attach ). A call was made on XXXX to their Customer Relations number XXXX inquiring status, but call was never returned. 

I don't need any assistance from XXXX XXXX XXXX at this time, for the funds remain with HSBC, so the assistance I need is from HSBC.

Company response to consumer: Closed with explanation