vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Transactions totaling {$2100.00} from my checking account from XX/XX/2022 thru XX/XX/2022 from a dispute for a fraudulent transaction from a company caught in a scam. 

Services were purchased that were NEVER received. The bank, instead of correcting the issue and crediting the funds back to my account, are aiding in the scam and approving of the fraudulent activity for which their customers fall victim due to NO FAULT of their own. 

If banks are not for the customers, it's clear to see that PNC doesn't really care about their customers financial safety and correcting situations when THEY are wrong. 

If this were a purchase on XXXX or from XXXX XXXX for an actual product that needed to be assembled ( with both companies partnering with individual contractors to assist their customers with assembling the product ), and the product was delivered with the contractors never showing up to assemble the product, the funds would have been refunded. XXXX or XXXX XXXX receive their payment for the product, and the contractor is also paid to schedule and come out to assemble the product.

However, if the contractor does not show up and provide the services paid for, the funds should be refunded/the transaction reversed because no services were received after being paid for. Of course the transaction was authorized because the customer was paying for a service that was to be rendered ( which it never was ).

In a day and age of social media ruining companies profiles and customer retention ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), one viral video could become a marketing and PR departments nightmare, especially when several customers have experienced the same issue and have the receipts, emails, and recorded phone conversations on how their trusted bank aids in supporting the companies that scam their customers over their customers hard earned funds on transactions they have the authority to reverse ( as I've had credits back to my account on a couple occasions when a service WAS NOT received and the bank REVERSED the transaction WITH NO PROBLEM ). 

Services paid for that are not received automatically void out a transaction as being approved/authorized and the funds are to be refunded back to the customer ( regardless if the transaction is a credit card payment OR a debit card/checking account transaction ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: PA

Complaint narrative:
I have a total of 7 loans through PHEAA /Fed Loan Servicing totaling {$32.00}, XXXX these accounts were closed and transferred to XXXX XXXX XXXX XXXX The same loans are being reported by XXXX XXXX and PHEAA, the last delinquency on these accounts was in XXXX, and in XXXX they were transferred to XXXX XXXX  The total amount of student loans that should be listed o my credit report should be {$62000.00} and not {$94000.00}. If this is not corrected, I will take this matter to the state representative office and contact a lawyer. 

*** The amount of " NOT '' be listed on my credit report for {$32000.00} for these 7 accounts have been transferred to XXXX XXXX for servicing. 

Both XXXX XXXX and PHEAA Loan are reporting the same loans and that is illegal to report the same accounts twice to the credit reporting agencies. 
ic Please remove PHEAA ( FedLoan Servicing Center ) from my credit report file. Please see the attached documents,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Veros Credit, LLC
State: TX

Complaint narrative:
I share my experiences with Veros Credit. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX phone ( XXXX ) I have had dealings with them since XX/XX/XXXX. I sent them a check on a closed account which is used for set off and adjustments. They refused the instrument. I resent the check with the same result. 
I sent them an Affidavit of Truth on XX/XX/XXXX. That did not yield any positive results, so I resubmitted on XX/XX/XXXX by certified Mail # XXXX XXXX XXXX XXXX XXXX a Notorized Notice to Cease and Desist, an Affidavit of Truth, and a Certificate of Service all of which are copied originals in my possession. 

None of this has been acknowledged by Veros Credit. My last communication from them has been a cartoonish Verification of Debt, which I did not ask for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I received notice that my bank account had been closed and put under investigation for a bounced check from a representative over the phone. I later called 15 days later because he stated that my funds would be mailed to me. The lady I spoke with that day stated that it was suspicious activity on the account which is why it was put on hold. I explained to them over the phone and via message center that the money from this check that they speak of was never deposited into my account. The amount that was sent to me was XXXX in all from another navy federal member and it was sent member to member via app so there was no reason for my account to be under investigation and they could take that money back but I needed access to my funds for business purposes. They proceeded to ask about deposits that came directly from my merchant which had nothing to do with the actual situation but I still explained to them. They then went on to tell me about how my XXXX isnt used for that. I explained XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They asked for paperwork to prove that and I submitted as requested. The forms I submitted were forms from the city of XXXX for my XXXX, my agreement with XXXX XXXX XXXX XXXX XXXX  ) and another form stating they are the institution that sends payments from their other business name since it doesnt show up as XXXX payments but instead XXXX payment. They closed my account yet the user who sent the funds to me still has their account. I asked them about it and asked if they could just release my funds that were already in my business and personal account which was around XXXX total. They said no and the lady also said that there is no time frame on the investigation and that they get to it in the order they receive them. It has been months and they will not give me the slightest update.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: DE

Complaint narrative:
I received an alert on my credit report from IC Systems and don't know why. No company name listed with six {$120.00} dollar and 2 {$93.00} dollar entry 's with no explantion.

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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB + TransUnion, On my TransUnion credit report shows a account with XXXX XXXX XXXX XXXX XXXX ( see attached screen shot of location on TransUnion. ) I spoke with the company- and they have agreed to close and remove this completely from my TransUnion credit report ( see attached email exchange with them confirming they sent in the request to TransUnion on XX/XX/2023 ). 

Please have this account closed and removed from my TransUnion credit report as soon as possible. 

Attached to this complaint is : - my drivers license - my mailing address - my social security card - email exchange confirming from " XXXX XXXX XXXX XXXX XXXX '' - screen shot where its located in TransUnion

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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
chime.com illegally closed my account with no explanation and is refusing to refund my money. I have called numerous times and provided all the requested documents which seemed excessive for having this be my account that is linked to my own external account. multiple issues have been raised by other consumer for this exact same practice and can be viewed on XXXX  # chimefraud. This business should be closed and i suspect they have many other customer 's money sitting in their account and have not escheat any of it to the state. a fraud investigation needs to be started.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
I have been working with the HAF program of Michigan ( MIHAF ) and am conditionally approved for assistance. The condition is that I coordinate the handling of the additional reinstatement balance of my loan that is beyond what the MIHAF program provides. 

I have applied for a loan modification with my provider ( Specialized Loan Servicing - Loan # XXXX ) but they are refusing to provide a modification option. Additionally, I was informed SLS would not consider the assistance from the MIHAF program in their loan modification review and based the calculation on the full reinstatement balance instead of the reinstatement balance less the MIHAF assistance.

SLS informed me that they received information from MIHAF on XX/XX/23 stating that MIHAF does not provide funds for loan modification assistance and would only provide funds for reinstatement assistance specifically. As a result, SLS is telling me that I must pay the remaining reinstatement balance in full, or that my only other options are to sell the property or deal with foreclosure. 

I spoke with my contact at MIHAF today and they assured me MIHAF does provide funds towards loan modifications.

It seems to me that SLS is unwilling to facilitate the MIHAF assistance, loan modification, and reinstatement due to the fact that the interest rate on my mortgage is below the current market rate.

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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Incorrect information on 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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried numerous times to remove a XXXX XXXX account from my credit report as it has been move than 7 years since the last payment. Through months of trying only XXXX has removed the account. Until date I have had no success with XXXX or Experian to remove this account. I have even sent mailed letter well over 60 days ago and have never received any response back. Any help to remove this account from my credit report will be greatly appreciated. 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 non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022, approximately XXXX XXXX midnight eastern time, a perpetrator broke into our condominium 's mail box with a stolen XXXX master key. He was able to open all the mailboxes and stole all the packages, mail, and monthly common charge checks from the building. This person then washed the check with chemical and changed my check 's name, amount of {$250.00} to {$2500.00}, and memo but kept my signature on the check The check was then deposited into XXXX XXXX Bank. I filed a claim with Chase bank and also filed a police report immediately as soon as I found out. They told me I have to wait 90 days for Chase to investigate and contact XXXX XXXX. I haven't heard anything within 90 days so I called Chase for an update and they told me XXXX XXXX 's didn't respond to Chase 's claim. And they told me that my funds wouldn't be recover if XXXX XXXX doesn't respond. Chase said they aren't responsible for it anymore. I attached all the evidences and documents that the bank told me to fill out. Please help me recover my funds as both banks are denying responsibility to help me on my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This is probably the worst experience Ive ever had with a banking institution, and I highly highly recommend that people do not open a credit card with XXXX XXXX bank . On XX/XX/XXXX I made a payment to that card and several hours later saw that it appeared that that money was taken off my account, but I wanted to make sure. So I called synchrony banking services, and the representative confirmed that they received the payment, and the money was taken off my card, and not to worry about it then Sunday or Monday I got an email from my primary banking institution, letting me know that my account was overdrafted. When I looked into this more I noticed that the overdrafted charge was from XXXX  XXXX rightly so I was extremely upset and I contacted them they were very unhelpful, and they did say that the person I spoke to would be reprimanded and spoken to about this situation. I then called back today to confirm this information and to get additional so that I understood. And todays experience is easily the worst Ive ever had. The lady said that there was no way XXXX of them could look up when I made that XXXX who I spoke with, and that when I open the car, there was a disclosure about the payment process, and when I spoke to the original person, they also made a disclaimer. When I asked them to verify that this person didnt make that describe her to me they said they were unable to. When I mentioned that the person before, so they would be able to eat. She said that is not true we are unable to. And I said the time of the payment I did have enough money, and the women said well thats not our fault, you should manage your money, better

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 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/2022 XX/XX/2022 I disputed collections and charge offs that do not belong to me & they all came back as verified with no proof or wet signature. 

They reported the debts as new after the disputed and continuing to charge late payments when I have no knowledge of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This company continues to violate my consumer rights over and over again. I have file several complaints and sent multiple disputes and this company continues to ignore my compaint. Then they will send me a scare tacticed letter stating that i am not the person filing the dispute and nothing gets done. I have also file several CFPB complaints and nothing never gets done they will tell u thry need more time but never dispute or remove any inaccurate information. 
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to your office, effective XX/XX/2023, XXXX XXXX under {$500.00} will no longer be reported to the credit bureaus. I have disputed this item, which is false, and they refuse to remove and simply restart the reported date, extending the XXXX year time limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: MI

Complaint narrative:
I got my background check back on XX/XX/2023 my criminal background showed a XXXX charge that resulted in not getting a job. The charge was amended to attempt of a XXXX which is a lesser felony. With the inaccurate screen I didn't get the job where as if it were corrected I may have received employment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
Disputed the medical collection with credit bureau the account was not removed it stated verified,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation