vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
USAA changed the terms of their overdraft policies and provided notice in the form of an electronic communication on XX/XX/XXXX. I had time to glance at it and it was unclear whether it would have an effect on my accounts. On XX/XX/XXXX, I realized that a charge that should have been declined was accepted, and the cascading financial repercussions have led to multiple overdraft charges and fees. 

USAA failed to adequately provide communication regarding the upcoming changes, or a reasonable timeframe within which to alter previous financial commitments. They subsequently refused to acknowledge or make restitution for, or apologize for the serious breach of their previously excellent service. 

I sincerely hope that this is not a sign that USAA no longer intends to operate in the best interests of its members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The credit companies drop my score @ XXXX because of the XXXX bankruptcy. I have not missed any payment since XXXX and the had that on record for almost 7 years and they still bring up, after they try to get to join boost or get one of their credit cards. Its Equifax and XXXX not sure of XXXXXXXX XXXX I believed that I am being bully because the hold all the cards! This all just happen in the last 2 to 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
ive tried opening an bank account with huntington bank and they couldnt give me an account because they said i had an account opened thru tcf bank which they now own but ive never opened an account with a tcf bank ever

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I have submitted requests to my server ( Aidvantage ) and to studentaid.gov asking why I do not qualify for loan forgiveness since my loans are over 20 years old. I have tried to get on an IDR payment plan, I have applied for SAVE. I have gotten no response from either my servicer ( Aidvantage ) or studentaid.gov. If I would have been told by my servicers ( there have been several ) about IDR payment plans I could have made payments all along, but the servicers always put me in deferment or forbearance. I also went through bankruptcy many years ago and was told I could not add my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
i tried opening an bank account with navy federal companies and they told me i had an account with them thats been closed or i owe them but ive never been assoicated with any of there branches or never opened an account with them ( Navy Federal Credit Union )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: Chime Financial Inc
State: TX

Complaint narrative:
I was trying to get access to my Chime account so I dialed the customer support number once I did so I started talking to a representative and they started to help me but it was a scammer within the Chime company and whoever it was transferred every dollar I had which was XXXX dollars now I have nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I discovered that my account had been debited, without my authorization, to pay my HELOC payment- in XX/XX/XXXX and XX/XX/XXXX. Truist debited my accout for {$1800.00} in each month. As a result, I have incurred overdraft fees in the amount of {$110.00} and am currently unable to feed my XXXX children and purchase gas required to go to work. 

In XX/XX/XXXX, I canceled recurring payments because I am experiencing a hardship. However, Truist continues to debit my checking account ending in XXXX, without my authorization. As a result, my checking account has gone into default causing an inconvenience, which includes the inability to use my check card to purchase needed items such as food, gas, water, and other living expenses for my XXXX children. Due to my hardship, I am currently working with Truist mortgage servicing division ( in which I canceled recurring mortgage payments and this request was honored by Truist ). Not sure why they wouldn't honor my cancelation request for the Truist HELOC. 

Due to the hardship, I need the funds that were debited in XXXX and XXXX to feed my children and ensure I have gas money to go to work. I spoke with a representative on Friday, XX/XX/XXXX and they assured me that Truist would refund the debited funds, within two business days, since I am in need of them to ensure my children are able to eat. Since the funds were not refunded, as promised, I spoke with a Supervisor tonight, XX/XX/XXXX and she indicated that Truist will not refund the debited funds from XXXX and XXXX. 

This is the second time Truist has done this to me during a time of hardship. The last time Truist debited my account, without my authorization was in XXXX. Please, see my previous complaint. 

I would like to ask if you could please assist me with receiving the unauthorized debited funds back from Truist. This practice is very deceptive, abusive, financialy cripling, and demoralizing.

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 2023-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Since XXXX, 2022 I have sent to RESURGENT CAPITAL SVCS LP, a request to validate account # XXXX and show me proof of ownership. They have failed all this time to send the required documentation to show me that this account is mine. As per the DFCPA, RESURGENT CAPITAL SVCS LP must show that this acct is mine showing any existing contract or application signed by me with my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: LA

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: FL

Complaint narrative:
I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRES XXXX open date XX/XX/

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 2023-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.T.R. Financial Services, Inc.
State: NY

Complaint narrative:
I received a letter from RTR Financial Services that I owe {$2100.00} to XXXX XXXX XXXX. 
The collector did not provide any agreement with their client that grants them the authority to collect on this alleged debt ; an agreement that bears the signature of the alleged debtor wherein agreed to pay the creditor ; Any insurance claims have been made by any creditor regarding this account ; Any Judgments obtained by any creditor regarding this account ; did not provide me with copies of any papers that show I agreed to pay what you say I owe ; proof that the Statute of Limitations has not expired on this account ; proof that you are licensed as a collection agency in the State of New York ; did not provide the name and address of the bonding agent for RTR Financial Services in case legal action becomes necessary.

Moreover, they responded with a bill from the Hospital with the list of procedures. This is a violation of HIPAA. I did not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. They did not provide a copy of my signature with the provider of service to release my medical information to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo Bank refuses to return my money that was taken due to fraud. Wells Fargo informed me that my online banking had been changed to different contact info under a different email and phone number other than mine as well as purchases were made in states such as California and Illinois ( Im in Oregon ) from XX/XX/23 through XX/XX/23. XXXXne employee even confessed that a man had called impersonating myself ( Im XXXX XXXX ). I asked for them multiple times to look at the ATM cameras to verify that it wasnt me and they claim they did but still stand firm that they cant confirm it was fraud even though the person withdrawing money with my card is NOT me. Every time I call, Wells Fargo is very inconsistent on the information that they are telling me regarding my claim. My car is facing repossession due to me losing all this money. Im a single mom and in a huge financial loss. I have offered to help them in anyway that I can. Please help me!

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 2023-09-20 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
There is a collection account on my credit report from XXXX XXXX XXXX which XXXX Synchrony Bank as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number XXXX. I will need to see the original contract bearing my signature because my information was compromised in the XXXX data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX XXXX XXXX. Also provide me with the 1099 form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the XXXX XXXX breach claim when I have already provided my claim number, then please contact the collection agency and have them remove this account due to inaccurate reporting and the possibility of being taken to small claims court per violation of the FCRA and FDCPA regulations.

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 2023-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I Have been off Out Work for A Year Now And Lost My Income, before Then I Paid My Car Note On Time Every Month And I Would Sometimes Add Extra Money To My Note To Be A Head. I Am At The End of My Payment and I am about to start back To Work I have Someone Calling me Every DAY!!! I have Explained my Situation over and over and over again It's really Stressful. I will Settle for A Lesser Amount to Get it paid and to get my XXXX  Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the fair credit at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states consumer reporting agencies can not furnish an account without my written instruction. Under 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the fair credit at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states consumer reporting agencies can not furnish an account without my written instruction. Under 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: AZ

Complaint narrative:
credit bureau reject to investigate and remove hard inquiries, which was posted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: DE

Complaint narrative:
I have 2 fraudulent inquires with XXXX XXXXXXXX XXXX and U.S BANK that are reporting to my credit profile. I believe I am a victim of identity theft. On XX/XX/XXXX XXXX XXXX someone applied for two credit cards in my name that I did not authorize. To be clear those inquires are with XXXX XXXX and U.S BANK. I know for a fact it is fraudulent because the information attached to the inquiry is incorrect. The address and the phone number are both incorrect!! This is negatively affecting my credit score because I am trying to get a new car and new house and banks see these new fraudulent inquiries reporting to my credit profile which can get me denied. I need these fraudulent inquires removed immediately. It is illegal to report false information to my credit report!! Please contact me back as soon as possible with these inquiries removed off my credit report!! Thank you!! My email is XXXX XXXX

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 2023-09-20 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-09-20 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: AZ

Complaint narrative:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation