vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 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: CA

Complaint narrative:
Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX | XX/XX/2022 : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/2022 : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/2022 : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXXXXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/2022 : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened a brand new savings account with Citi bank with {$750.00}. My mail was stolen, and before realizing it, there were three fraudulent withdrawals made on XX/XX/2023 and XXXX leaving {$21.00} and change remaining. I became aware of this on the XXXX of the unauthorized transactions and immediately called Citi to report them. I was unaware a PIN would be assigned to me and mailed at the same time ( albeit a separate envelope ). I find this to be a great fault of Citi to do this. Additionally, the option to activate the card at an ATM contributed to the theft of my money. 

On the XXXX, I was in a class for my job. On the XXXX, I was working a standard XXXX hour shift at the XXXXl from XXXX. The paperwork from my job to prove this was mailed, certified mail, and I also attempted to fax the paperwork multiple times only ever getting failed results to two different provided fax numbers. 

I have since received my replacement card, but I can't let go of the fact that Citi 's " investigation '' department has declined all my requests for reimbursement. I even requested a copy of their investigation report and instead only received another letter of their denial to my claim. 

I have made approximately XXXX calls to the fraud department at this point over the past 7 months. During the first open case, I was never asked for any sort of supporting documentation. It was until my first appeal was denied and case was closed that the representative told me I could write a letter and mail ( or fax ) the documentation. I purposely paid for and sent these to XXXX XXXX XXXXXXXX in XXXX XXXX on XX/XX/XXXX and see the paperwork was received on the XXXX. When I called yet again for an update, the representative told me I would need to open another case and could not guarantee the mailed supporting documents would be tied to the new claim. 

Citi has greatly disappointed me in the handling of this matter. Ive even asked to speak to the investigation '' department directly to which I was told it would be impossible to do.

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 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Early Warning Services, LLC
State: ME

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, ME, XXXX ] [ XX/XX/2023 ] Early Warning Services Consumer Services XXXX XXXX XXXX XXXX, AZ XXXX Re : Consumer # : XXXX Dear Consumer Services, I am writing in response to your letter dated XX/XX/2023, regarding my request received on the same date. Thank you for your prompt response, but I would like to seek further clarification on certain aspects of your reply. 

While I understand that Early Warning does not offer direct-to-consumer products for opting out and that information in your database is acquired from financial institutions as allowable by law, I am keen on gaining a deeper understanding of the specific legal provisions that govern this acquisition process. Therefore, I kindly request additional information on the following points : 1. **Legal Basis for Information Acquisition : ** - Provide detailed information on the specific legal provisions that allow Early Warning to acquire information from financial institutions, ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Understanding the legal basis for this acquisition will help me appreciate the transparency and legitimacy of the process. 

2. **Exemption from Freeze Information Requirement : ** - I appreciate your mention of the FCRA exemption under Section 603 ( x ), which relieves Early Warning from the requirement of accepting or referring freeze information to other consumer reporting agencies. However, I seek further clarification on how this exemption aligns with the FCRA 's broader objectives of consumer protection and privacy. Please elaborate on the specific circumstances that warrant such an exemption. 

3. **Website Information and FAQs : ** - Your letter directs me to visit www.earlywarning.com/consumer for additional FAQs. I request that you provide specific information on the website regarding the acquisition of consumer information and the legal framework governing this process, as well as details on the exemption from freeze information requirements. Clear and accessible information on your website will contribute to a better-informed consumer base. 

I believe that providing this additional information will contribute to transparency and help me better understand Early Warning 's practices within the framework of consumer protection laws. 

Thank you for your attention to these matters. I look forward to a comprehensive response. 

Should you have any questions or need further clarification, please do not hesitate to contact me directly. 

Sincerely, [ XXXX XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Back in time more than say 16 months ago, Chase would refund every small business overdraft that was issued. Then all the sudden they forced a one year moratorium on my refunds and then once the moratorium was over they changed policy and will now only refund 3 overdrafts in a calendar year because in the chase employee 's words my account was deemed a " low value account. '' I asked what criteria was I being devalued and they never would provide an answer. 
I do not dispute that Chase has the ability to change its account procedures. I believe it should be able to. However shouldn't it have to tell me of this change BEFORE i incur several XXXX dollars in overdraft fees? This is ludicrious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: BAY COUNTRYCONSUMER FINANCE,INC.
State: MD

Complaint narrative:
I am filing this complaint because I believe that Bay Country is guilty of deception business practices. On XX/XX/XXXX, I contacted Bay Country at XXXX because I received a second loan pre-approval notification. I asked a representative to verify the validity of the correspondence. The representative said that I was pre-approved, however, I would need to payoff a previous debt ; a debt that was included in a XXXXXXXX XXXX XXXX bankruptcy. When I challenged the accuracy of her statement, I was transferred to a Branch Manager who told me that even though the debt was included in a bankruptcy, I was still liable for the debt because the loan was a secured loan. I asked for this information in writing, was told they would send it ; to date I have not received. They did however send me another pre-approval letter. 

I am reporting this incident for two reasons. First, I believe that XXXX XXXX bankruptcy law is quite clear on this subject. Unless I re-affirm the debt ; it is discharged. However, this business is giving contradictory information. Secondly, I believe that this business is operating deceptively by sending out pre-approval notifications; telling people that they are pre-approved to trick them into applying for a loan. In my case, I believe it was a tactic used to try and deceive me into reaffirming a discharged bankruptcy debt under the pretense of a pre-approved loan.

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 2023-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I have contacted CashApp several times in order to retrieve or obtain a refund of {$200.00} on an account which I was unawares had been hacked prior to my transaction. After my investigation CashApp was made aware of this account being hacked prior to me sending {$200.00} to a college student but did nothing to prevent or stop future fraud issues of the consumer. 
Due to a life change which began in 2021, I was unable to contact the proper authorities to assist me. This life change has been resolved therefore I am submitting my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: PA

Complaint narrative:
I am writing to formally submit a complaint to TRANSUNION regarding inaccuracies in the reported data on my credit file. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My date of birth is XX/XX/1994, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec.

151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and 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 2023-12-08 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: AmeriCollect
State: NC

Complaint narrative:
I wrote to XXXX, XXXX, and XXXX Requesting an investigation of the following inaccurate accounts reporting on my credit report over 30 days ago. They credit bureaus claim that they have completed a reasonable investigation with the furnisher of the account And verified a 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile which is causing damage to my credit score.

Account # :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Payment submitted to XXXX XXXX XXXX XXXX i/a/o {$72.00} via CapitalOne Bank bill pay system was returned by them for stop payment. I paid XXXX with a credit card to avoid water being turned off. I filed a claim with COB for reimbursement, they denied the claim, I made at least 4 phone calls to their customer service people and claims group and was told on XX/XX/23 that they would place a stop payment on Ck # XXXX ( issued by their bill pay vendor ) and credit my account. I followed up with a phone call on XX/XX/XXXX and was told that the claim had again been denied. I sent an email on XX/XX/23 to both customer service and claims requesting payment, received no response and resent that email on XX/XX/23, again with no response. COB owes me that money and because they are unresponsive, I am submitting this complaint. I am a 20+ year customer of COB and a former employee as well. I've been using their bill pay system for more than 5 years and never had an issue until they changed it in XX/XX/2023. This payment had been going to XXXX with no issues until they changed their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: IL

Complaint narrative:
I have tried to resolve with EdFinancial. They told me my loan became a new loan when my Federal loans from XXXX were consolidated into Direct loans in XXXX so I'm not eligible for forgiveness. 

I submitted case # XXXX through XXXX on XX/XX/XXXX and as of XX/XX/XXXX I still have not received a response. 

Issues : 1. All loans owed dated back to XXXX are consolidated federal student loans. They are not counting payments before XXXX. 

2. Every time my loans were transferred ( many! ) they count it as a new loan listing my total borrowed at a quarter million which is absurd. 

3. I applied for PSLF forgiveness after XXXX XXXX verified my employment was eligible over the phone. I was then denied. Recently I received {$15.00} check for " the inconvenience '' and told the application might have been fine but they aren't looking at it again. 

4. EdFinancial has told me to talk to XXXX about this but XXXX won't help because they never had my loan. 

5. Back in XXXX I was given one warning over the phone that I would be in default. I was confused as I was receiving in-school deferment and there was a grace period. They said I needed to pay and could not fill out forms retroactively. I tried to pay THE VERY SAME DAY and was told I couldn't because the loan was marked for transfer. 

6. I am multiply XXXX but working. I am XXXX, legally XXXX, and in XXXX XXXX due to a XXXX XXXX. Speaking on the phone and filling out forms are difficult as an XXXX person and the wait times are hours long. I need help understanding why my classmates have received forgiveness but I haven't and if there is any way for me to resolve this. No one helps! I'm literally XXXX. 

7. My loans originated in XXXX WHEN I WAS A MINOR, FOR A SCHOOL THAT NO LONGER EXISTS 8. EdFinancial transferred my loan to themselves so my credit was hit then with my loans appearing to be paid off. Then months later my credit was hit again when the loans reappeared. The loans have not reappeared with all reporting agencies. 

9. I have paid about $ XXXX in interest alone but only about $ XXXX in principal. I have never brought home more than I owe. I probably never will since the balance never goes down. 

10. My loan payments have always been income contingent/based/driven and I have worked for non-profits since XXXX. I have not missed payments. The one loan they claim was defaulted was the same time another loan is reported as in repayment. All were consolidated together. My payment history is perfect. I still don't understand that one terrible phone call in XXXX. 

I really, sincerely, deeply need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2023 a letter was sent to transunion asking for them to verify the information from a item listed on my credit that i feel was deemed invalid by XXXX and XXXX. Wanted to inquire into what information the company has validating this account.

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 2023-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Subject : Urgent Appeal : Request for PayPal Account Restoration Dear PayPal Support Team, I hope this message finds you well. I am writing to you with an urgent appeal to restore access to my PayPal account. I recently discovered that my account has been restricted due to what I assume is suspicious activity, and I am deeply concerned about the inconvenience this has caused.

I understand the importance of account security, and I appreciate the measures in place to protect users. However, I believe that there might be a misunderstanding or an error in my case. I rely on my PayPal account for various transactions and financial activities, and the current restriction is causing significant disruption to my routine.

I am committed to cooperating fully in any verification process necessary to confirm my identity and ensure the security of my account. Please guide me through the required steps to restore access at the earliest convenience. I value the services PayPal provides, and I am eager to continue using the platform responsibly. 

I kindly request your prompt assistance in resolving this matter and appreciate your understanding of the urgency involved. If there are any specific documents or information required, please let me know, and I will provide them promptly.

Thank you for your attention to this appeal. I look forward to a swift resolution and the restoration of my PayPal account. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
I used PNC banks External transfer tool to transfer {$5000.00} to my XXXX XXXX  XXXX account on XXXX XX/XX/2023. 

As on XXXX XX/XX/2023 the transaction shows Completed on PNC portal, however the amount is not credited to my XXXX XXXX XXXX 

I have double/triple checked the account and routing numbers and they seem to be correct. 

On contacting XXXX XXXX, I found that they do not accept ACH for CD deposit, thus the amount should have been back in my account when the status on PNC shows Completed for the transaction but that is not the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
I previously had XXXX XXXX XXXX, and the last two years I was in three car accidents, which all three were ruled not my fault, and the other parties were issued citations. While Im shopping around for new insurance, each insurance company is coming back showing that all three of these auto accidents are being reported as my fault and its causing my insurance to quadruple, I spoke to XXXX and they sent me letters saying that the accident were werent my fault but Lexus Nexus and the clue report that all auto insurance companies pull their information from is showing the incorrect information I have tried to resolve this with both XXXX and Lexus Nexus, and Im Being ran around in circles and nothing is being resolved. Ive sent identification documents to Lexus Nexus four times now and I am given some generic response that they cant pull my identity. I need this resolved immediately because it is preventing me from getting decent auto insurance and the inaccurate reporting is having a massive negative and financial impact on my life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
My husband was issued a threat of a judgement being placed against him from Mountain Land Collections LLC in XXXX and we spoke with XXXX in their office, resulting in an agreed upon monthly payment plan of $ XXXX beginning XX/XX/2023. I requested confirmation of this agreement ( 8 times ) and never received it. Then, within days of our verbal agreement, our joint bank account was debited in random amounts for hundreds of dollars, repeatedly. These charges were NOT approved, and after speaking to XXXX XXXX in their office, she confirmed OUR bank account was attached to OTHER files they had and we were paying other peoples debt! She assured us on XXXX this was corrected and again the next day XXXX, another fraudulent charge appears! They are not responding and still have not confirmed our agreement and are still withdrawing from our account, illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am currently facing an issue wherein Chase Bank has placed a hold on my funds for a duration exceeding three months. Their stated reason is the need to verify the funds deposited through a check into my account. However, they are encountering difficulty in verifying the check due to their inability to establish contact with the deposit makers.

Company response to consumer: Closed with non-monetary relief