vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
Subject : Complaint Regarding XXXX XXXX Handling of a Dispute for Non-Delivered Item Dear Sir/Madam, I am writing to file a complaint against XXXX XXXX concerning a dispute I filed for an item I never received. The item in question " XXXX '' was scheduled for delivery to my home on XXXX XXXX. However, I did not receive the package. After realizing the item had not been delivered, I contacted the company multiple times via email to resolve the issue, but I received no response. 

As a result, I submitted a formal dispute with XXXXXXXX XXXX, explaining the situation. To my dismay, two weeks later, XXXX denied my dispute, citing the tracking information, which indicated that the package had been delivered. When I called XXXX to discuss the matter further, I was informed that even if the item had been stolen from my property, they are not responsible for items that go missing after being marked as delivered. 

I find this response unacceptable. I should not be held responsible for an item I never received, whether due to theft or any other reason beyond my control. XXXX refusal to assist, despite my efforts to address the issue with the seller and provide all necessary details, leaves me without any resolution or compensation. 

I kindly request that the XXXX XXXX XXXX  assist me in addressing this issue and helping me hold XXXX accountable for not protecting their customer from a loss. I am seeking a fair resolution where I am not held responsible for a product I never received. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: MOHELA
State: MO

Complaint narrative:
I called on XX/XX/XXXX to request a full payment history starting in XX/XX/year> since the new mohela.studentaid.gov does not show my full payment history. I was told to expect this in 7-10 business days. It has been 14 business days. 


Today I spoke with XXXX who did not fix the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-09-17 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : OFFICE OF THE ATTY GEN Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : ATTORNEY GENERALXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: TX

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

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 2024-09-17 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: NY

Complaint narrative:
C/o XXXX of the Executive Office PNC Bank Subject : Request for Audit and Correction of Fees on XXXX NY Inc. Account Dear C/O XXXX of the PNC Executive , I am writing regarding significant and ongoing issues with my business checking account for XXXXXXXX XXXX XXXX specifically concerning improper charges and overdraft fees that have resulted from errors by your Excite office. These issues have directly impacted my account, and I am requesting an immediate audit and correction of the fees that have been unjustly applied. 

Over the course of recent months, my account has been charged with four separate overdraft fees of {$36.00} each, which total {$140.00}. These overdraft fees were a direct result of incorrect charges, including a recent {$52.00} error caused by human error at your Excite office. Despite my attempts to address this issue, specifically with XXXX from the Excite office, I have encountered resistance in acknowledging and correcting the continuing problem. 

In addition to these overdraft fees, there is the ongoing issue of a recurring {$52.00} monthly charge, which has been applied without proper justification. This charge has caused multiple overdrafts and has placed an unnecessary financial burden on my business. 

To resolve these matters, I am requesting the following : A detailed audit of all fees applied to the XXXXXXXX XXXX XXXX  account from the time these errors began, including the overdraft fees, banking charges, and the recurring {$52.00} charge. 
Immediate correction and refund of the four {$36.00} overdraft fees, the recent {$52.00} error, and any other fees that have been unjustly applied due to these errors. 
A review of internal procedures at the Excite office to ensure that human errors, such as those made by XXXX, do not continue to affect my account and business operations. 
Written confirmation of the corrections made and a clear plan to prevent similar issues from arising in the future. 
These errors have caused significant disruption to my business, and I trust that PNC will act promptly to rectify the situation. Please confirm receipt of this letter and provide a timeline for the requested audit and fee adjustments. 

If I do not receive a satisfactory response, I will consider further action to ensure that these errors are corrected, and my business is no longer affected by these improper charges. 

Thank you for your prompt attention to this matter. I look forward to your resolution. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
Continental Finance is stealing money from my checking account. I fell behind in payments due to an injury. Unfortunately I didn't notice until today when I noticed a {$76.00} pay by phone charge being processed without my knowledge or consent. Upon further investigation into my bank statements, I see this is the 4th time Continental Finance has stolen money from my checking totalling {$180.00} without my consent or knowledge. They disguise such thefts as a pay by phone payment when I never called them on any of these 4 occasions to pay them, never logged in to make payments or made payments in any form or fashion and planned to catch up when I could. I never received a bill or any notice whatsoever about this happening or a monthly bill to even reflect such payments and balances. I'm not aware of any court orders or anything like that, that would allow them to do this. 

I want this money back in my account, I want a bill sent to me like normal businesses send, and if my rights have been violated under the fair credit reporting act or any other laws broken violating my rights, I want the account closed and zeroed out with no negative credit reporting. 

I see they have done this to at least one other person and they made a complaint on this site as well but the end result was conveniently hidden from public view.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
( XXXX XXXX ) ( XXXX ), ( XX/XX/XXXX ). Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 60SB ( 15 U.S.C. 5 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent Inaccurate and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts and/or items on my credit report were opened or used fraudulently without my knowledge or consent. As required by 15 U.S.C. 1681c-1, I request that these fraudulent items be removed from my credit report and that any party who has received my credit report in the past year be notified of these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc.
State: VA

Complaint narrative:
Self financial / lead bank - I have 3 accounts on my credit report from them and I have never loved at XXXX XXXX XXXX XXXX and never had knowledge of the accounts til I pulled my credit report. Ive asked multiple time and disputed the items. These are not my items and I did not authorize it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: IL

Complaint narrative:
I am filing this FTC Idenity Theft Affidavit to report 5 seperate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card accounts ; XXXX XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX XX/XX/XXXX in the amount of {$720.00} in account with XXXX XXXX XX/XX/XXXX in the amount of {$990.00}, XXXX XXXX XX/XX/XXXX in the amount of {$1900.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the afroementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Received notice from Huntington Bank regarding lack of proof of insurance for my condo. I provided them the proof in XX/XX/year>, and again in XX/XX/year>, via their provided instructions on their website, as well as to XXXX as I have always had insurance. I've also spoken to them live 3x in the past 3 months to try and confirm this is resolved Then I receive a notice at the end of XXXX that they've purchased additional insurance on my behalf as they dont have proof of my insurance. 

The level of incompetence and lack of followthru at Huntington is remarkable. Now I have to spend more hours of my life to get them to undue this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I received a loan from XXXX XXXX ( Navient ) in XXXX. The loan was for XXXX XXXX XXXX Navient has been used multiple times as a result of the actions that they have taken regarding these loans. They have been accused of payment processing errors and forbearance steering, resulting in higher fees and interest for borrowers. My loan should have been included in the original relief that was provided in XXXX with the Attorney General 's multi-state lawsuit. I was part of the original suit where each student was provided a check for an equal amount for the misrepresentation of payback options, I did receive a check from that, however when it came to for loan forgiveness due to predatory and misleading they did not include me. I contacted the Attorney General for my state and filed a complaint. In order to qualify it stated that you would have to have missed payments XXXX consecutive months. When the XXXX contacted Navient, they advised that my loan had never been in default. The information they provided is not correct. My credit report shows where I was continually reported for non payment. Navient also originated predatory subprime private loans to students attending for-profit schools even though it knew that a very high percentage of such borrowers would be unable to repay the loans. I was also advised that my Co-signer would be able to be removed from the loan, however that also has not happened. I have been paying on this loan that originated back in XXXX since that time however the loan has not decreased. In fact the loan was originally for {$4000.00} however it is now over {$8000.00}. I have been paying enough to keep it off my credit ( even though I can't afford it ) because I have worked hard to fix my credit that Navient helped to ruin. I am called multiple times a day regarding this loan and every time I have asked about trying to settle this loan, I was always denied. Every time I make a payment, the loan amount never goes down, it just seems to continually increase because the payment is going towards interest and late fees that I am steadily being charged. I feel as though my loan should have been included in the original lawsuit for forgiveness, however almost 20 years later, I am still paying on a {$4000.00} loan that is now at {$8400.00} with a 13 % interest. I just made a payment on XX/XX/XXXX of {$130.00}, however I am {$250.00} past due with a current amount due of with a current payment of {$120.00} due, and unpaid late fees of {$6.00} for a total of {$390.00} that they are currently expecting me to pay and none of it goes towards the principle, it will all be put towards interest and fees, so I am just spinning in a hamster wheel with no way to get off. They also continue to call and harass my co-signer, who they said would be able to be released from the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX I, XXXX XXXX, didn't give the right to pull my consumer report. There isn't any written permission from me. I want the inquiries deleted from my consumer report. 
So, if you said I gave you permission, but I am asking, you know, for the document, where 15 USC 16 ad one b two says that I gave you that written permission and you can not provide a document. That equals identity theft.

Under 15 U.S.C. 1681n - U.S. Code - Unannotated Title 15. Commerce and Trade 1681n. Civil liability for willful noncompliance, it says : " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' I demand it be removed from my credit account immediately. I do prefer a cash check please.

Company response to consumer: Closed with explanation