vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
Any and all consent to XXXX, XXXX, and XXXX from XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have spoken to them by phone & they requested proof of ID & soc sec cards from both myself & my daughter XXXX XXXX. This is her acct. I have nothing to do with this acct. I have sent all copies of above info & they still insist they are right & refuse to remove this credit card from my credit report. I have been trying to get this fixed since XX/XX/2023. This is causing me much XXXX I dont know what more I can do but file a lawsuit

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 2024-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX VALON mortgage paid {$5100.00} to XXXX XXXX tax to the wrong account. They paid parcel unit XXXX, my unit is XXXX out of my escrow account. 
On XX/XX/XXXX VALON paid {$5100.00} to XXXX XXXX tax again out of my escrow account to my unit XXXX. This caused a negative escrow balance of {$4900.00}. They transferred my loan to fifth third bank on XX/XX/XXXX with the negative escrow balance. 
I am selling my house and close on XX/XX/XXXX. The payoff statement from fifth third includes payoff if the negative escrow account. 
XXXX XXXX said they are refunding VALON the erroneous payment.

VALON informed me that they will not reimburse me for the duplicate tax payment deducted from my escrow account. They have now said that I have to get the money from fifth third who were not the ones that paid the taxes to the wrong account and who will not receiving the refund check. I have also been told by VALON that they do not service my account any longer and do not hold any records of my account once loan has been transferred. I am now left with no help and out {$5100.00}. 
Please help me to get my money back for an error that the bank made. I am left with no help and no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XX/XX/2023, I was scammed out of {$350.00} from my XXXX account by someone claiming to be a customer service support representative for XXXXXXXX XXXX XXXX XXXX I called a phone number I had gotten through a XXXXXXXX XXXX XXXX on my XXXX as I needed assistance with my advertising and billing account for a website I have online. The person with an XXXX accent who answered my call was going to help me with any issues I was having and proceeded to fabricate a very elaborate and believable story to fool me into authorizing a withdrawal out of my XXXX account with a fictious name of his manager ( XXXX XXXX with XXXX XXXX XXXX ) I was tricked into believing his story as he guided me through a series of steps and commands to put malware on my phone, while constantly telling me that he was going to help me with my issues that I was having. I was guided into my XXXX account and tricked into authorizing a {$350.00} payment which he had taken control over my account and I could see him actually entering the dollar amount on my XXXX account. As I was realizing that I had been compromised, I was pleading with him not to debit the money, but he kept telling me that he needed to debit it, but was going to credit it back into the account. After I finally felt very suspicious and became very uncomfortable with the whole conversation, I was able to avoid another {$350.00} transaction he was trying to debit out of my account a second time, but could not. I hung up the call and immediately closed out my checking account and debit card with TD Bank. I also removed and deleted any of the malware the scammer put on my phone as I was able to uninstall it. I informed the Fraud department at TD Bank and contacted XXXX as well of the scam and they put in claims on more than two occasions, but the claims were denied as the fraud was authorized by me. With phone calls to Both TD Bank and XXXX and speaking to supervisors, I was told that there is nothing that they can do as my claims were denied. I am very disappointed with TD Bank as they could not help me even though I am a long time customer and XXXX is supported by TD Bank, but I could not get my money back even though I did everything by protocol. I had no consumer protection and I am very upset with the whole situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
In accordance with the Fair credit reporting act XXXX  account number XXXX mid credit management company has been reporting improper information on my payment history and has violated my rights. 
15usc 1681 section states I have the right to privacy 15 usc 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account with out my verbal instructions.

15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I have paid this big lots credit card off over a year ago and they are still trying to say I owe them XXXX XXXX  and have been reporting late payments on my credit for over a year I want those removed please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
GM FINANCIAL is reporting late payments for account number XXXX and have failed to provide proof of late payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. 

It is an unfair act for late payments to be reported. It is a violation of the law, invasion on privacy, Pursuant to 16 CFR 444.4 an Unfair act of practice Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Who did you speak to? 
My finger prints? 
Original contract? 
License number? 
Wet ink signature? 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 

Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: AZ

Complaint narrative:
I asked my servicer, Nelnet, to change me to the SAVE repayment plan. They informed me that I would need to start a completely new application, which I then did. Three weeks go by, and I get an email saying that in order to continue with my application, I must make a payment immediately. My payments on my Income-Contingent plan were set for 2024 and were at {$0.00}. However, now they were not at XXXX and simply as a result of asking Nelnet to change my plan, they require money. 
I was not past due or in arrears. I was not in default. I just wanted a simple switch but they would not do it. 
I don't think I should have to pay them for them to do this simple switch. They seem incompetent and unreasonable. Plus, in their emailed request there is no indication that I will be put on the SAVE plan ; they simply wanted money, now, to continue. I told them to change it back and that I am filing a complaint. 
Nelnet is terrible. They fully deserved their $ XXXX fine for doing these types of things, and they are still doing them. They deserve another fine. I am unhappy having been switched to this terrible servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As a furnisher, it is your explicit responsibility to promptly notate when an account is under dispute. I've been disputing the following account for a frustrating 8 months, and despite the mandated 30-day timeline, you have consistently failed to update the comments section to reflect the ongoing dispute. We're now in the eighth month, starting from XX/XX/, and yet you still haven't taken action to notate the dispute.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have sent written requests for information to be updated on my profile as accurate. The information needs to be properly verified and updated or deleted from my profile as this incorrect information is causing me personal harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
This company regional financial has taken over XXXX from me from a case of identity theft. My FCRA rights have been violated as well as my consumer rights. I am a victim of identity theft this debt does not belong to me. I have repeatedly sent documents to regional finance.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-02-16 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: AZ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit repor

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 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America is constant sending me email and text msgs about a few closed accounts. 

With this I request Bank of America to stop with the day in day out harassments and accept my settlement offer...

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 2024-02-16 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: LA

Complaint narrative:
I recently reviewed my credit profile and there are accounts that I did not authorize reporting on my files. I am not associated with any of these accounts and would like these inuqiries removed from my credit file as I am currently in the home buying process and this is greatly hindering me. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/24 I deposited checks in the amount of {$23000.00}. 

On XX/XX/24 I signed a domestic wire that was successfully processed on XX/XX/24. 

On XX/XX/24 my online banking showed AVAILABLE BALANCE of {$23000.00}. 

On XX/XX/24 at XXXX XXXX  I received an email from PNC Bank stating that my AVAILABLE BALANCE is {$23000.00}. 

On XX/XX/24 I signed a domestic wire transfer, and the bank teller called me after I signed and informed me that the funds were being verified and came back as unavailable and my account will be on hold until XX/XX/24. 

On XX/XX/24 I called XXXX and spoke with a representative who contacted the Loss Aversion Department XXXX and I was told that the funds would be frozen until XX/XX/24 and that there was nothing he could do. 

On XX/XX/24 I spoke with an Executive Agent and was told that the funds were not verified and cleared before they were updated into my available balance and therefore my account will be on hold while PNC Bank works with their SERVICE PARTNERS until XX/XX/24. 

On XX/XX/24 I called again to XXXX XXXX  and was transferred to XXXX. My PNC account was transferred to the EXCHANGE for RISK Department because my money was used by PNC Bank to purchase a DERIVATIVE INSTRUMENT and therefore the domestic wire transfer that I signed on XX/XX/24 was not successfully processed. 

On XX/XX/24 the Exchange for Risk Department transferred me to XXXX. 
My PNC account was transferred to the LOSS AVERSION Department to calculate the risks PNC would have to take for purchasing a derivative instrument with my funds against my consent. 

On XX/XX/24 the Loss Aversion Department transferred me to the Fraud Department. After verifying that the checks that I deposited via branch teller on XX/XX/24 were from the same employer as the checks that posted to my account previously on XX/XX/24 via branch teller, my account was then transferred back to the executive department to have the hold removed by XX/XX/24. 

As of XX/XX/24 the hold has not been removed from my account even though the deadline to remove the hold was XX/XX/24.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit 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

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 2024-02-16 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: GA

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Immediate attention is demanded for the law enforcement agency documents submitted regarding XXXX XXXX ( Account : XXXX, Date Opened : XX/XX/2022, Balance : {$0.00} ). Acknowledge their origin, take appropriate action, and promptly delete the account, or face imminent legal action for negligence and disregard for the law.

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 2024-02-16 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:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief