vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-27 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Cards opened in my name fraudulently. Not my cards request they be closed and removed from my credit report. Use of my credit card that was unauthorized and maxed out my card. Online purchases from my checking account not made by me. My identity has been stolen and fraudulent activity is happening using my social security number and name and date of birth.

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 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Overdraft fees are a standard {$36.00}, flat expensive fee. 
XX/XX/23 Balance was + {$170.00}. 
XX/XX/23 XXXX XXXX XXXX - {$220.00} ( price increase ) cleared Balance - {$49.00} XX/XX/23 XXXX XXXX XXXX - {$3.00} - {$58.00} XX/XX/23 XXXX XXXX XXXX - {$6.00} XXXX XX/XX/23 XXXX XXXX XXXX - {$8.00} XXXX XX/XX/23 Cash Deposit to Account of + {$500.00} XXXX XX/XX/23 Overdraft {$36.00} for XX/XX/23 XX/XX/23 Overdraft {$36.00} for XX/XX/23 XX/XX/23 Overdraft {$36.00} for XX/XX/23 XX/XX/23 Overdraft {$36.00} for XX/XX/23 Overdraft of approximately {$70.00} Fee of Overdraft was {$140.00} ( DOUBLE THE OVERDRAFT ) ***How is that fair, how is that NOT a JUNK FEE. How does consumer protection work?? Check Balances go up & down, many financial transactions are not processed the moment the transaction occur. Deposits, Transfers TAKE upwards to 24 hours or more to process. The electronic balance that is viewed online IS NOT the real balance, it's easy to overdraft, and if there are multiple transactions then feels are multiplied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-27 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy under 15 USC 1681. 
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 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 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 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 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, HAS VIOLATED MY RIGHTS.

15 U.S.C, 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states that a consumer reporting agency can not furnish na account without my written instructions.

15 U.S.C 168c. ( a ) ( 5 ) Section states : No consumer reporting agency nay make any consumer report containing any kind 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.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I sent a certified letter via usps to Huntington National Bank on XX/XX/2023 requesting information about the amount owed, the auction of the vehicle and a written response with the requested information within 30 days. Huntington National Bank has not provided me with anything in writing and it has been beyond the 30 days, which is a consumer violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
My Apple Card account has been restricted for over 2 months now. Ive reached out to support as instructed and am either told XXXX hear from someone in 3-5 business days to resolve or that there is nothing they can do and I just have to wait. This has been going on for over 2 months with no answers. Ive reach out 3 times this month along with a number of times in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Company reported me to credit agency on the presumption that a sole piece of regular mail that it sent to me was received, and ignored. I did not receive the mail that company sent me and this is the second time in approximately four years that this same situation has arisen with this particular company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received a 1099-C evidencing the cancellation of the debt of {$19000.00}, linked to the account : XXXX ( attached files ) Since it has been over a week since I receive this information I find it upsetting that this has not been reflected on my credit report and file. 

Yesterday, I filled a claim with XXXX and they closed my claim stating that it is a duplication. And they did not allow me to provide them with notice from Navient. I have been economically hurt and will seek damages. 

This is also a violation of the Privacy Act of 1974. 

Navient Corporation ( Exact name of registrant as specified in its charter ) Delaware ( State or other jurisdiction of incorporation ) XXXX XXXX XXXX XXXX, XXXX, Virginia ( Address of principal executive offices ) XXXX ( Commission File Number ) XXXX ( I.R.S. Employer Identification No. ) XXXX XXXX XXXX as well as other responsible parties will receive a civil suits. 

I filed a complaint with the OCC, XXXX, and the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
My wife left me a XXXX  of months ago. I recently started getting notices from debt collectors for debt that I didn't create. My wife apparently took out several credit cards and loans out in my name before she left me, and currently has me {$30000.00} in debt. I froze my credit, filed fraud claims through the 3 major credit bureaus, contacted the local police department and prosecuting attorneys office, but they told me that since we are still legall married that I can't file a complaint for identity theft or fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
Harvest associates has provided a deletion of credit tradeline due to identity theft. However, it has been over 2 months and their tradeline still remains.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harvard Collections, LLC
State: KS

Complaint narrative:
This company is continuing to add a collection to my credit reports erroneously. I have never had this debt never received a bill. Every 2 years I dispute it from Harvard collection who bought it from XXXX XXXX XXXX XXXX  and they take it off and put it back on. I have not lived in Illinois for 20 years. This debt should have been charged off by now its too old. When I first heard of it was in XXXX and stated it was wrong now Im hearing about it again in XXXX. XXXX XXXX why are you harassing me it should have been charged off a long time ago and definitely not still on my credit report. Stop it!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: IN

Complaint narrative:
My wife left me a XXXX  of months ago. Just recently I started receiving notifications from debt collection agencies for debt that I didn't create. My wife had taken out several credit cards and loans in my name and has me {$30000.00} in debt. I froze my credit and filed a fraud report with the credit bureaus. I tried to file a police report and reported this to the prosecuting attorney, but neither one would let me report this situation since we are still leagll married.

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Trans Union has not addressed my request so I may contact and check that I am Still listed as alive

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 2023-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
I bought XXXX dollars worth of bitcoin to send to another wallet, and the money was saved until the next day. The next day it was open, but I had to wait until I wasnt so busy to deal with it. When I retried, it told me I now had to wait a week. So I got upset at the staff, and within a few hours, it was 31 days. I shouldnt have been a jerk, but you can just steal my money. They keep telling me I can still buy more with outside cards, but its obvious they just want to XXXX XXXX XXXX more. I also had another account that wasnt started by me. Not the same bank or anything, and on an old email. They didnt seem to care, and I had to delete it myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: UT

Complaint narrative:
I had unauthorized charges on my account both my joint acct with my husband and my personal account. Provisional credits were issued, and then they were taken back by the bank, with no notification all my funds were taken plus now the accounts are negative XXXX $ and the other XXXX XXXX $ and I'm being charged overdraft fees over and over again. I've tried talking to them about this firstly why the credits were reversed and was transferred around to 3 people waited on hold forever and then just told something about an ip address matching mine so they reversed it. My phone was stolen and being used via XXXX XXXX and XXXX XXXX  i believe. And then it turned up at my home. Someone close to me had it and used my account and then left it. Still do not know who it was and it possibly could have been my neice that lives with us and she is XXXX. So I'm not filing any police report yet until i figure out if it was her or my son. The charges were not authorized however and so i don't understand how they can do this. It's causing major hardship for my family and I.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-27 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: Consolidated Recovery Group, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX is my Registered Business Entity .. That's not me I'm a living man.. Everything is being false Reporting under my Business Entity tax ID number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I'm looking for certificate of deposit information from XXXX XXXX. It was an account in my name as minor and my father as natural guardian. The issue date was XX/XX/97. I'm aware that XXXXXXXX XXXX closed and was bought by Nations bank who then merged with bank of america. I need to find out what happened to the money in that account. I do have the cd reciept as well as account numbers. Thank you.

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 2023-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
They have never spoken to me nor have verified with me that I owe debt and they have been contacting my employer at multi business locations trying to find me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I applied for a loan and was scammed with a fake cashiers check. Because of this it caused my account to go into the negative. Tried talking to bank, they said usually when things like this happen we end our relationship and close the account. The account was not closed and continued to accrue fees from the bank. Then it was closed and charged off into collections. I deposited XXXX $ or so to open the account and then never used it otherwise one time other than the scam loan thing and they charged it off for over XXXX dollars. I planned on getting my opening deposit back, not paying in for no reason at all.

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX removed the alleged debt from their credit file. Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX FTC : This is a report of fraud by the Capital One green Spark Business credit card in XXXX ) aiding and abetting the fraudulent car dealership XXXX XXXX XXXXXXXX in XXXX, and XXXX ) implementing institutional policies to # whitewash or obstruct an appropriate credit card dispute investigation. In late XX/XX/2023, XXXX XXXX XXXX sold me a used vehicle that did NOT pass XXXX  state safety inspection - and the illegal business relationship has since been uncovered by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). I am on social media and alerted my XXXX, XXXX police & my credit card companies starting XX/XX/2023. Also, I no longer have the car ( it was returned XX/XX/2023 ). 

Of the {$5000.00} that I paid to the dealership, {$2500.00} has been returned via my other credit card while Capital One continues to turn a blind eye. Today, I closed the account with Capital One and cited the Federal Fair Credit Billing Act ( FCBA ) - " the Act limits liability of consumers for transactions by unauthorized users to {$50.00}. '' The Capital One credit card dispute number is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX  Date of Inquiry XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a 1099-C evidencing the cancellation of the debt of {$19000.00}, linked to the account : XXXX ( attached files ) Since it has been over a week since I receive this information I find it upsetting that this has not been reflected on my credit report and file. 

Yesterday, I filled a claim with Experian and they closed my claim stating that it is a duplication. And they did not allow me to provide them with notice from XXXX. I have been economically hurt and will seek damages. 

This is also a violation of the Privacy Act of 1974. 

XXXX XXXX ( Exact name of registrant as specified in its charter ) XXXX ( State or other jurisdiction of incorporation ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXXXXXX  ( Address of principal executive offices ) XXXX ( Commission File Number ) XXXX ( I.R.S. Employer Identification No. ) XXXX XXXX CFO as well as other responsible parties will receive a civil suits. 

I filed a complaint with the OCC, FINRA, and the Attorney General.

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