vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank decided to just close my business account, kept {$500.00} and according to them instead of giving me my money they sent it to the Florida Treasure Hunt. I have been between the Bank and the FTH for months and months and both say that neither of them have the money and it is evident that some of them do. What can be do? 
I am very angry with this situation. 
I hope you can help me. 
Thank you so much! 
XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: CA

Complaint narrative:
I am writing to lodge a formal complaint against the credit bureaus for their failure to remove a fraudulent account from my credit reports, despite my repeated requests and provision of necessary documentation. This account was opened without my knowledge or consent and is a clear case of identity theft. 

Details of the Fraudulent Account : Creditor : XXXX XXXX  Account Number : XXXX Balance : {$290.00} On XX/XX/2023, I sent a letter via USPS Certified Mail to the credit bureaus, requesting a thorough investigation and the removal of this fraudulent account. Unfortunately, my request was not only ignored, but I also faced outright refusal to remove this account from my credit file. This inaction on their part is not only distressing but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Protection Act. 

Upon discovering this unauthorized account, I immediately filed an identity theft report with the Federal Trade Commission ( FTC ) and placed a fraud alert on my credit files. Despite these proactive measures, the fraudulent account continues to be a blemish on my credit report, negatively impacting my financial standing and credit health. 

The inaction of the credit bureaus in this matter is unacceptable and unjust. Therefore, I am seeking the intervention of the CFPB to ensure that a proper investigation is conducted and the fraudulent account is promptly removed from my credit records. 

Enclosed with this letter are copies of my previous correspondence with the credit bureaus, the identity theft report filed with the FTC, and other relevant documents supporting my claim. 

I trust that the CFPB will address this grievance with the seriousness it deserves and assist me in rectifying my credit report. I look forward to a prompt and favorable resolution of this issue. 

Thank you for your attention and assistance in this matter.

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 2024-01-31 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: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
After reviewing my credit reports I discovered an account from Eastern Account System Inc. I have disputed these accounts several times with the credit reporting agencies and has gotten no resolution. So, I decided to dispute directly with the company who reported this information. I sent a letter requesting validation of debt for Account # XXXX via certified mail on XX/XX/year>. USPS Tracking states it was delivered and signed for on XX/XX/year>. I have given Eastern Account systems Inc over XXXX  days to response and they have not. I wanted this information removed from my consumer report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION
State: NC

Complaint narrative:
Attached letter sent to XXXX XXXX regarding Adverse Letter supplied by FIRST ADVANTAGE. This letter was also supplied to FIRST ADVANTAGE. 

Applied for an apartment on XX/XX/2024 at XXXX XXXX XXXX XXXX XXXX and tenant screening company FIRST ADVANTAGE replied stating my application was denied. 
The reason for denial was unlawful and discriminatory and has caused a grave reaction for myself and my family. We were denied housing which hinders the progression to move forward. 

To move this matter, I have created a complaint through HUD on XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: NC

Complaint narrative:
I am writing to report a case of identity theft that has resulted in unauthorized inquiries on my credit report. Despite notifying the companies involved, these inquiries have not been blocked or removed.

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 2024-01-31 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
Synchrony repeatedly decreases my credit limit on multiple cards, therefore causing my revolving credit limit utilization to increase and dropping my credit score. Then when Synchrony reviews again, my CUR is high because they took away my available credit, therefore decreasing my score again every time they review and take away my available credit that I am keeping open to increase my XXXXredit score. I have 100 % on time payment history, low CUR on each card and only use periodically, I am doing everything right by these cards and they continue to decrease limits, causing my revolving balances to be higher, therefore decreasing my score again... It is a vicious cycle and they ae destroying my credit scorXXXX. I am requesting that all my credit card limits be re-instated.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Complaint is on Experian Trying to set up free account so I may freeze my credit to prevent fraud. I did this simply process with XXXX and XXXX very easily. I can not get this set up on Experian. I set up account and could sign in but only page that appeared is for me to run a credit report. I don't need that I just need tab to freeze the account. Tried calling Experian but the number they provide you can not speak to a person to get assistance. They are not available to help on the weekends so had to call during my work. Finally got to a person. Bounced to 5 different departments and no one can fix my problem signing in. My husband is having the same issues so it is definitely something wrong with their system. Lets you change password but when you sign in and immediately says error. I was on the phone for over an hour with no resolution. Was told I needed to wait 7-10 days and try again. This does not seem right. Consumer should have to the right to freeze account. Website should be very user friendly. 

Someone needs to take a look at the procedures. Something is not right here. consumers are going to be hurt.

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 2024-01-31 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: CA

Complaint narrative:
I am writing to lodge a formal complaint against the credit bureaus for their failure to remove a fraudulent account from my credit reports, despite my repeated requests and provision of necessary documentation. This account was opened without my knowledge or consent and is a clear case of identity theft. 

Details of the Fraudulent Account : Creditor : XXXXXXXX XXXX Account Number : XXXX Balance : {$290.00} On XX/XX/2023, I sent a letter via USPS Certified Mail to the credit bureaus, requesting a thorough investigation and the removal of this fraudulent account. Unfortunately, my request was not only ignored, but I also faced outright refusal to remove this account from my credit file. This inaction on their part is not only distressing but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Protection Act. 

Upon discovering this unauthorized account, I immediately filed an identity theft report with the Federal Trade Commission ( FTC ) and placed a fraud alert on my credit files. Despite these proactive measures, the fraudulent account continues to be a blemish on my credit report, negatively impacting my financial standing and credit health. 

The inaction of the credit bureaus in this matter is unacceptable and unjust. Therefore, I am seeking the intervention of the CFPB to ensure that a proper investigation is conducted and the fraudulent account is promptly removed from my credit records. 

Enclosed with this letter are copies of my previous correspondence with the credit bureaus, the identity theft report filed with the FTC, and other relevant documents supporting my claim. 

I trust that the CFPB will address this grievance with the seriousness it deserves and assist me in rectifying my credit report. I look forward to a prompt and favorable resolution of this issue. 

Thank you for your attention and assistance in this matter.

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 2024-01-31 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: MOHELA
State: GA

Complaint narrative:
Mohela is reporting information about my educational record that they have no permission to report. 

Family Educational Rights and Privacy Ac

t ( FERPA ) Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interests ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law.

There is no contract or written permission where I { put your name } gave any written permission.

If you Mohela believe that I have given you this permission I am requesting the document pursuant rule 1002.

Further more my non-public personal information is Private. It is also confidential and you are violating my right to privacy and confidentiality by reporting this information illegally without written permission.

I sent over a dispute letter to the CRA 'S and they did nothing they could not proof anything they do not follow the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-31 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: Nelnet, Inc.
State: MD

Complaint narrative:
I graduated from business school in XXXX XXXX XXXX with XXXX different student loans. On XX/XX/XXXX, I applied for the SAVE program to lower my required interest payments on my student loans, which would help me pay for my recent XXXX XXXX from XXXX XXXX XXXX XXXX. FSA passed on this application to Nelnet on XX/XX/XXXX. Nelnet officially accepted my application on XX/XX/XXXX, and changed both of my XXXX XXXX  loans to the SAVE program, but failed to change my XXXX XXXX  loans to the SAVE program - instead, they were marked " Standard Repayment ''. 

My total loan principal is {$210000.00} and I had no income as of my SAVE program application date. Under the SAVE program, interest above required monthly payments is forgiven. During the period from my application date until XX/XX/XXXX, my monthly loan payment should have been {$0.00}. My interest accrual therefore should have also been {$0.00} according to the SAVE program guidelines.

I called Nelnet 's Customer Service line on XX/XX/XXXX and waited on hold for XXXX hours before the end of business hours required me to hang up. I called again on XX/XX/XXXX in the morning and after over XXXX hours ' wait I was able to speak with a customer service representative. I asked why the SAVE program wasn't applied to XXXX of my loans, how long it would take for the SAVE plan to show up on the other XXXX loans, and whether I needed to take any further action. The representative stated that I did not have to take action, that she flagged my account for action, and that I should check back in within a few weeks for the SAVE program to be fully processed. Weeks passed, then months, and nothing changed.

On XX/XX/XXXX, my annual income changed to {$72000.00} after I was hired for my first job following graduation. Although I'm not required to re-verify my income until XXXX year after my initial SAVE application date, I reapplied for the SAVE program on XX/XX/XXXX in a second attempt to fix the XXXX loans that remain in " Standard Repayment ''. Nelnet received the new application on XX/XX/XXXX. Still, XXXX of my XXXX loans are in Standard Repayment. Now, all XXXX of my loans ' status are marked " XXXX XXXX XXXX ''. 

Throughout the period from XX/XX/XXXX until present day, I have been unable to enter repayment due to a failure of Nelnet to apply the SAVE program to XXXX of my XXXX student loans. I believe that Nelnet is maliciously failing to apply the SAVE program to my account in an attempt to delay the interest forgiveness provided by the SAVE program.

Since interest did not start accruing on my account until XX/XX/XXXX due to the end of the federal pause on interest accrual, this applies to the full interest balance of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
I Joined XXXX XXXX Military XX/XX/2003 and am still currently XXXX XXXX Military I am a Louisiana Resident and maintain residency there while serving XXXX XXXX. I believe my Account number is XXXX. I have been charged over the amount of interest that is allowed by the Louisiana XXXX. I would like that money paid over the interest limit refunded to me and my interest rate lowered to the Louisiana XXXX limit. XXXX XXXX XXXX XXXXXXXX. I will submit my Leave and Earning Statement for verification that I am paying Louisiana State Taxes as well as my Military Orders for service verification if you need any other documents please reach out.

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 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I disputed a fraud charge on my account with Chime and told them someone hacked my account on XXXX XXXX to send themselves {$400.00}. I sent in THREE DISPUTES THREEE!!! These people didnt investigate the case and they just denied the claim without sending in a reason and now its been a whole month and I didnt even receive a provisional credit. When I spoke to the 3rd representative about it they said they misclassified my claim and THATS WHY I WAS DENIED???? How is it my fault that you guys DIDN'T TAKE THE steps to provide me the proper justice happening to account. After my first claim was denied I ask them to send me a reason for the denial. THEY STILL HAVE NOT SENT ME THE REASON and its been 30 days. I cant even file a police report and this case has now been taken to the FBI because the scammer was a huge scammer. They need to reopen my case immediately or I will be pursuing LEGAL ACTION against Chime. They have violated my rights and Im not going to let them.

Company response to consumer: Closed with explanation