vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Between XXXX I had an account with Wells Fargo and was impacted by their severe over draft fees and procedures.

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 2023-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX My home, car, and possessions were destroyed in hurricane Ian. I immediately contacted Regional Acceptance of the natural disaster. They informed me that even though the principal of the car was Satisfied they would still be charging me penalties and interest in the sum of XXXX and they would extend my payment until XX/XX/XXXX. That didn't happen instead reported it late. Strong holded me to sign a new agreement for a car that towed away destroyed by mechanic. I asked for a reasonable compromise. They offered me XXXX as apposed to XXXX for three more years for a car that doesn't exist. I have no car I have no home. I wish to remove this car from my credit report and to settle this with the lender. Whose clearly become a predatory lender seeking to take advantage of my weakness. The car insurance comp and collision insurance wasn't on the vehicle. They didn't notify gap when they extended my contract so they won't cover it either. The vehicle was purchased XX/XX/XXXX the principle was paid XX/XX/XXXX. At 18 % percent interest. This is damaging my credit profile and I need this removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: LA

Complaint narrative:
I recently wrote to XXXX XXXX Bank, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXX bank continues to falsely verify this account whenever I dispute this item with the XXXX XXXX XXXX, -as well as yourself, the Consumer XXXX XXXX XXXX XXXX -whom is a government entity. XXXX XXXX bank, has stated to all parties. -the Credit XXXX XXXX XXXX The Consumer XXXX XXXX XXXX XXXX and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX bank has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that XXXX XXXX bank violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; XXXX XXXX XXXX bank above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which XXXX XXXX bank is seemingly willfully noncomplying. Furthermore, XXXX XXXX bank continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to XXXX XXXX bank, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, XXXX XXXX bank XXXX to falsely verify as accurate. This has to stop at once!

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 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase Bank, in retaliation against my filing a complaint ( XXXX ) against it, responded to my request for recent statements never received, sent me copies of two statements that were reduced in size by XXXX. It is impossible to read a statement only XXXX of the normal size. Even wearing reading glasses, I can not read the tiny print. Furthermore, this is Chase Bank also acting in a discriminatory manner against the elderly, of which I am one. It knows my age and purposely sends me an unreadable very small image of a statement. It is impossible for me to reconcile these two statements because of their tiny size. Chase Bank purposely utilizes this deceptive and criminal tactic not only to harass me, but also to be able to continue to add on late fees and interest charges. I can not, and will not, pay anything until I can confirm the validity of all charges. I have voluntarily refrained from using the credit card, and will not do so unless and until I receive legible statements AND all fees and interest are removed IN FULL Billionaire XXXX XXXX is negligent in running Chase Bank and fails to stop its abuse of the American public.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
XX/XX/2023 I notice that XXXX cent had been transferred out of my account to another by using XXXX! I call PNC bank to tell them about it, they said they would investigate, across they said I did it after I told them my email has been compromised on the dark web! With that being said my email is hook to XXXX and my bank account! I change my password like they said! But just got a letter saying its my fault, how is PNC able to investigate XXXX when they one of the owners! This is fraud alway around and PNC is involved in a class action lawsuit because of XXXX! Not right Im getting a lawyer involved, I did not transfer no money to this person! If anyone no how they can help me my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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 A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX. Falsely stated that I entered an agreement via online purchase which is not possible because the retailer XXXX XXXX XXXX XXXX has never had nor do they have a website. Therefore it is impossible an e- sign agreement to exist in the absence of a website. I request immediate removal of this bogus account. The documents attached are completely made up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Synovus Bank
State: MI

Complaint narrative:
First Progress did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Frost-Arnett Company
State: AL

Complaint narrative:
On XX/XX/2022 I had a CT scan done at XXXX XXXX XXXX XXXX in XXXX, Alabama. My insurance is XXXX XXXX XXXX XXXX. That means that I have full Medicare and full Medicaid. When a provider bills United Healthcare they pay what is covered by Medicare. They then instruct the provider to bill Medicaid for any remaining balance. That is not what happened in this case. I have contacted XXXX XXXX 's billing office repeatedly. I have also contacted XXXX XXXX at least 8-10 times. The representatives have contacted XXXX XXXX 's with me on the phone. They have been given the Medicaid number numerous times. A representative and myself have been on a call together and contacted Alabama Medicaid. We were informed that no request for payment has ever been submitted by XXXX XXXX 's for the remaining balance of {$110.00}. Instead they chose to turn it over to a collection agency that continuously call daily, shortly after XXXX XXXX. I have told them to bill Medicaid because I do not owe. XXXX XXXX 's has told XXXX XXXX repeatedly that they will pull the file back from collections and bill Medicaid, yet they tell me that I don't meet their criteria. I have health problems and a husband that is currently hospitalized. I want them to stop harassing me. I can not bill Medicaid for them. They told me to request a XXXX, which I did, yet they still continue to harass me and not do their job which is bill Medicaid. If I did not have the insurance coverage it would be understandable. But I do have the coverage. Frost-Arnett needs to stop their harassment. I have asked them to stop calling me, yet they continue to do so daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: MN

Complaint narrative:
Loan A/c Number : XXXX Amount Due : {$1300.00} Legal Process Begins : XX/XX/2023 We are disappointed that you have not taken any initiative to make reasonable arrangements to resolve your delinquent balance. 



If we do not receive payment in full of the entire delinquent balance by XX/XX/2023, your file will be referred to our attorney for possible legal action. 



If you wish to avoid legal action and the possibility of incurring court costs, attorney 's fees, and considerable inconvenience, remit the payment of {$1300.00} or contact us to discuss reasonable arrangements to do so. 



If this matter is not resolved by XX/XX/2023 all further correspondence will be made through our attorney. 



Do revert ASAP. 



Regards, XXXX XXXX XXXX & Collections Speedy Cash

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had a garnishment sent to me last year. I went to my bank Chase. I wired {$4700.00} to the creditor on XX/XX/XXXX. The Attonery and the court sent me the dismissal of garnishment paperwork and I received it by mail on XX/XX/XXXX. On XX/XX/XXXX Chase put a hold for the garnishment on my checking and savings account leaving me without access to any funds. On XX/XX/XXXX I went to my local branch and they faxed the Dismissal of garnishment and the letter from the attorney stating debt was paid in full. It is now XX/XX/XXXX and I still dont have access to any money. When I call they told me I would have my money in 24 to 48 hours. Its been a week and I still have a hold and negative account balance. My credit card payment was also returned for insufficient funds. I understand that accidents happen. I have given Chase a full week and now I dont have any money anywhere. I cant buy gas or food for my newborn. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On numerous occasions I would have enough funds in my account and still charged multiple fees. And return fees as well. Because of Wells Fargo Im unable to pay any of my bills electronically.

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 2023-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
On XX/XX/2023 after the consumer was denied a deletion resolution from said ( person ) corporation. The consumer decided to indulge herself more with understanding the Fair Credit Reporting Act. 

15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this sub-chapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Also while consumer was doing further investigation to become more knowledgeable in the Fair Credit Reporting Act. There is an exclusion in this code that clearly says according to congress that transactions is excluded from my consumer report, that is a matter between the consumer and the corporation and therefore it should not be in consumer report because transactions are excluded.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-01-24 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: KY

Complaint narrative:
On XX/XX/2023 after the consumer was denied a deletion resolution from said ( person ) corporation. The consumer decided to indulge herself more with understanding the Fair Credit Reporting Act. 

15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this sub-chapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Also while consumer was doing further investigation to become more knowledgeable in the Fair Credit Reporting Act. There is an exclusion in this code that clearly says according to congress that transactions is excluded from my consumer report, that is a matter between the consumer and the corporation and therefore it should not be in consumer report because transactions are excluded.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient has been reporting my payments as being late since XX/XX/XXXX. However when i spoke to their representatives I advised them that due to the Care Act there should have been no payments on my account until after the legal decisions have been made through congress. The representative told me to dispute the late payments because of the care act. They then approved my forbearance and made my account current. However due to the misinformation my account still shows that I have been late however as you see I've never been late on any of my student loans ever.

Per Student Aid. gov, Student Loan Payment Pause Extended The student loan payment pause is extended until the U.S. Department of Education is permitted to implement the debt relief program or the litigation is resolved. Payments will restart 60 days later. If the debt relief program has not been implemented and the litigation has not been resolved by XX/XX/XXXX payments will resume 60 days after that. We will notify borrowers before payments restart.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I was in a income repayment plan before Covid and they were also taking my income tax returns and garnishing my wages. When I asked after all the years my loans were being paid with my income tax returns as well as a garnishment they told me nothing was applied that i was only paying interest. After 10 years of income tax being taken at {$2000.00} to XXXX a year nothing was ever applied. I asked for a breakdown of where my payments was going and they can not supply me with that information and now they are telling me they will start to garnish my wages at the end of the month. Help me to please get to the bottom of this. I want to see the payments they took over all these years and where they were applied to. I have been dealing with Navient and now one loan is in default with a collection agency that wants to garnish my salary. I want to start to pay them off except i need the proper paper work with the correct figures. When I go to the XXXX XXXX XXXX located in Texas with a contact number of XXXX, they tell me those garnishments do not get applied to my loans it pays for interest only. Please help Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation