vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I reviewed my report snd noticed fraudulent activity on there please remove all fraudulent accounts as it is hurting me from obtaining credit as well as violation. 
and according to 15 USC 1681s-2 they are suppose to 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. it is frustrating!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
This is in regards a debt of {$690.00} place on collections. I have contacted FIRST FEDERAL CREDIT, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, disputing this debt place on my credit report. I was not aware of this debt until I apply for a student loan and was denied, I have always has great credit standing. I checked my credit report and noticed that this debt has been place on my credit report as delinquent. I have contacted Federal credit about this debt, they send me an original bill of {$690.00} for XXXX XXXX out of XXXX, Ohio for XXXX XXXX for a XXXX XXXX I contacted XXXX about this and was told that XXXX did not cover the expense for the XXXX for the routine procedure. I have also contacted XXXX about this issue and have been disputed, I still have not received any information. My questions to Federal Credit and XXXX continues to be the same, What control does a patient have when a doctor decides not to use the proper procedure for invoicing? The amount of {$690.00} is not a co-pay. Would this have been a out of pocket co-pay it would've been taken care of. As it is right now, my credit score continues to suffer due to a delinquent account I have nothing to do with when in reality the doctors office should have utilized XXXX, my insurance policy to cover all expenses related to the procedure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
All unapproved credit pulls have been requested to be reviewed and removed. They refuse to do so. My information has been breached and I am not authorizing these pulls. They refuse to confirm the validity of the pull or how they were authorized. They do not protect my information or operate per law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
All unapproved credit pulls have been requested to be reviewed and removed. They refuse to do so. My information has been breached and I am not authorizing these pulls. They refuse to confirm the validity of the pull or how they were authorized. They do not protect my information or operate per law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: VA

Complaint narrative:
Statements as well as detailed breakdowns from wells Fargo representatives. I have disputed their claims as the overdraft fees, non-application of credit card payments, and account freezes. As a result my credit has dropped from not being able to pay my bills as a result.

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 monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Hey, On XXXX XXXX at XXXX I transferred the amount of {$570.00} on XXXX XXXX  app from an invoice a client sent me to my bank which is XXXX XXXX XXXXXXXX but for some reason this money was sent to the Navy Federal Credit Union Bank which I never event had an account with them before and I cant seem to be able to resolve this issue with none of the parties. Navy wont give me any information since I dont have an account with them and the squarespace support team thinks I do have an account with Navy which is not true.. How come can I connect I bank I dont have?? Still looking to receive my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I am writing to file a formal complaint against National Credit Systems , Inc, located at XXXX XXXXXXXX XXXX, for attempting to collect a charge of {$XXXX} that is unfounded. 

The background of my situation is as follows : I was a resident at XXXX XXXX at XXXX XXXX, and I have been accused of having two unauthorized persons stay in my apartment. According to the lease agreement, residents are required to register guests staying for more than one day and may not have guests for more than two consecutive days without the landlord 's written consent. I have adhered to these terms and have not had guests stay beyond the permitted time. 

Despite this, the apartment management has alleged that I violated these terms and referred the matter to Natinal Credit Systems, who is now attempting to collect a {$XXXX charge. This charge is not supported by any evidence, and I have not been provided with any documentation or proof to substantiate the claim. 

I respectfully request that your office investigate this matter and take appropriate action to ensure that Natinal Credit Systems ceases all collection activities related to this unfounded charge. I also request that measures be taken to prevent similar situations from occurring to other consumers in the future. 

Attached are copies of my correspondence with the debt collector and any related documentation for your reference. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Revolut Technologies Inc.
State: TX

Complaint narrative:
I am writing in response to the letter from Revolut letter ( Revolut ref : XXXX CFPB XXXX : XXXX ) regarding my complaint about the unauthorized transaction of {$XXXX} made to XXXX on XX/XX/2024. I appreciate the attention to this matter, but I must express my continued dissatisfaction with Revoluts  handling of my case. 

In their response, they stated that follow-up messages were sent to me via Revoluts in-app XXXX on multiple occasions, requesting additional information regarding the transaction. They further mentioned that I have been unresponsive to these messages. However, I have checked the in-app chat multiple times daily and have not received any such messages from Revolut.

I request that Revolut provide proof of these communication attempts. It is essential to understand whether there has been a technical issue preventing these messages from reaching me or if they were never sent. I am prepared to provide evidence of my in-app XXXX XXXX to demonstrate that no such messages were received. 

Moreover, my chargeback request was denied based on an assumption that I authorized the transaction, yet no substantial evidence proving this claim has been provided. The supposed evidence from XXXX indicating that I booked a round trip from XXXX to XXXX is not something I recognize, and I would like to see this evidence for verification. As previously mentioned, anyone with my information could have made this booking fraudulently, which is why I filed the chargeback request immediately upon discovering the transaction. 

Additionally, the partial refund of {$XXXX} provided by XXXX does not address the core issue. Since I did not authorize the transaction and did not take any of the flights, the full amount of {$XXXX} should be refunded. 

I urge Revolut to re-evaluate my case, taking into consideration the lack of received communication on my end and the absence of clear evidence that I authorized the transaction. If this matter is not resolved promptly, I will be compelled to escalate the issue further, as it is clear that the current resolution process has been inadequate. 

I appreciate your immediate attention to this matter and look forward to your prompt response. Please provide the requested proof of communication attempts and re-assess the validity of my chargeback request. 

Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Today, on XX/XX/2024. I went to the XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX at XXXX XXXX. I went to deposit money into my XXXX checking account. I inserted my XXXX debit card and proceeded to deposit {$XXXX}. I then saw on the screen that the transaction was canceled. It gives me back my debit card but not the {$XXXX} that the ATM just ate. I walk inside and ask a banker to help me with the ATM outside. The banker comes outside and then goes inside and gets another person. This person tells me that I need to contact XXXX and they will give me the money that I lost in the XXXX XXXX He also says that the bankers can't access the ATM so they can't do anything. I contacted XXXX and they told me that they couldn't help because this happened at XXXX ATM and it should be their responsibility to get the money for me. I am currently without this {$XXXX} and demand an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I pulled my credit reports from transunion XXXX and XXXX and noticed erroneous accounts that need to be immediately DELTED/UPDATED. Clearly outlined in 15 USC 1681, and more specifically 15 USC 1681s-2 and 15 USC 1681e ( b ), please update my personal information. Also, Pursuant to 15 USC 1681c-2 There are inquiries and accounts that I DID NOT originate nor authorize to be posted on my consumer report that need DELETING immediately on clear grounds of identity theft. DELETE NAME : XXXX XXXX XXXX from TransUnion XXXX and XXXX. ADD NAME : XXXX XXXX XXXX to TransUnion, XXXX, XXXX. DELETE AKA from XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE PREVIOUS ADDRESS : XXXX XXXX Story Ave. Equifax- XXXX Story Ave. Experian- XXXX XXXX XXXX, XXXX ma XXXX XXXX DELETE additional INQUIRIES : XXXX XXXX, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX. DELETE ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. SEE ATTACHED FTC COMPLAINT.

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 2024-05-20 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: TX

Complaint narrative:
I pulled my credit reports from XXXX XXXX and equifax and noticed erroneous accounts that need to be immediately DELTED/UPDATED. Clearly outlined in 15 USC 1681, and more specifically 15 USC 1681s-2 and 15 USC 1681e ( b ), please update my personal information. Also, Pursuant to 15 USC 1681c-2 There are inquiries and accounts that I DID NOT originate nor authorize to be posted on my consumer report that need DELETING immediately on clear grounds of identity theft. DELETE NAME : XXXX XXXX XXXX from XXXX XXXX and Equifax. ADD NAME : XXXX XXXX XXXX to XXXX, XXXX, Equifax. DELETE AKA from XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE PREVIOUS ADDRESS : XXXX XXXX Story Ave. Equifax- XXXX Story Ave. Experian- XXXX XXXX XXXX, XXXX ma XXXX XXXX DELETE additional INQUIRIES : XXXX XXXX, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX. DELETE ACCOUNTS : My Community CU XXXX XXXX XXXX XXXX XXXX. SEE ATTACHED FTC COMPLAINT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was booking a flight and an ad came up for {$200.00} off my flight if I applied for a Southwest credit card. So I applied, but upon checkout, the {$200.00} wasn't deducted. So I contacted Southwest before I completed my ticket purchase to ask why. I was told I would see the {$200.00} credit when I got my first statement, it was not immediately deducted from my purchase. That was completely unclear in the ad. However, when I got the first statement, there was a yearly fee charge but no {$200.00} credit. So I called Southwest and they said I had to have used the credit card to purchase my flight in order to get the {$200.00} credit. That was also completely unclear information in the ad and was different from what I had initially been told. Furthermore, I was told that I would have had to have used the credit card to purchase a ticket within 3 months of getting the credit card in order to receive the {$200.00} credit. That was completely unclear on the ad as well. I've been doing things like this for a long time so I always read the fine print, and this was absolutely unclear and intentionally deceptive advertising on Southwest 's part!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 ( a ) ( 4 ) states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. 
There is no contract between Cavalry Portfolio Services LLC also known as CAVALRY SPV I , LLC and myself ( name as listed within the attached OPT OUT letter ), nor is there any contract novation in place between the original creditor XXXX, XXXX, third party Cavalry Portfolio Services LLC and myself ( name as listed within the attached OPT OUT letter ) ; therefore I have no obligation with this non-affiliated third party Cavalry Portfolio Services LLC.

Per 15 U.S. Code 6802 section b ( 2 ) states, This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. Cavalry Portfolio Services LLC has not provided a contract with the original creditor stating they are contractually obligated to collect on the original debt on behalf of the original creditor.

15 U.S. Code 1681:604 section a ( 2 ) states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' I invoke my right to opt out at any time of my non -public personally identifiable financial information as defined in 15 U.S. Code 6809 4 ( a ) from being reported on and to credit reporting agencies from the third party Cavalry Portfolio Services LLC . 
Cavalry Portfolio Services LLC and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and Cavalry Portfolio Services LLC whether it is verbal, non-verbal, written, implied or otherwise is revoked. As the consumer per 12 CFR 1016.7 ( g-i1 ) which states that, A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. This opt out shall be in effect for any past present and future endeavors of, between and through Cavalry Portfolio Services LLC, XXXX, XXXX and XXXX pertaining to me ( name as listed within the attached OPT OUT letter ) and any variations of the name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The Matter has been put forward to Capitol One which is NOT addressing the CURRENT 80 % Interest rate on a {$3000.00} loan which will take XXXX  years to pay for which Capitol One has Targeted an elderly XXXX Senior Citizen of XXXX American Decent who is being targeted with extreme interest rate and petitory lending. 

Capitol One has yet to address the fact the when the requested payment is made the card holder is ONLY being compensated 20 % in principle and XXXX  % interest. 

The Customer request Capitol One Quick silver XXXX apply the claimed interest rate of 25 % - 30 % NOT THE CURRENT 80 %. 

There are NO CONCERNS with the card holders other accounts which ARE in compliance with acceptable interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I made a deposit of {$XXXX} which was a United States Treasury check on XX/XX/2024. Bank of America put a hold onto funds until XX/XX/2024 and made it not available stating that the have placed a hold on your deposit because they have information indicating the check ( s ) may be returned. They state that United States Check might not have available funds to cover this check. 
I request funds to be available immediately.

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 monetary relief
Consumer complaint received 2024-05-20 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Bank accounts were incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried for months to dispute this inaccurate information listed on my credit report, under the payment history of my student loan XXXX accounts. There should not be any late payments reporting under the payment history. I was on a forbearance program and this was during COVID-19. I have reached out to the 3 credit bureaus month after month to get them to help me reverse the late payments under five of my student loan accounts. The late payments listed under all 5 accounts are not accurate since the late payments go from on-time to 90 days late which is entirely inaccurate and against the accuracy law of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried for months to dispute this inaccurate information listed on my credit report, under the payment history of my student loan XXXX accounts. There should not be any late payments reporting under the payment history. I was on a forbearance program and this was during COVID-19. I have reached out to the 3 credit bureaus month after month to get them to help me reverse the late payments under five of my student loan accounts. The late payments listed under all 5 accounts are not accurate since the late payments go from on-time to 90 days late which is entirely inaccurate and against the accuracy law of the Fair Credit Reporting Act.

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