vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Hello, I had purchased a money order from the XXXX PNC branch on XX/XX/2016, and made the check payable to my niece, XXXX XXXX XXXX, who lives in XXXX XXXX. I had issued the check to her, and she lost the check. She recently found the check, but was unable to cash the check because it had been escheated to the state of Ohio. 

My niece mailed the check back to me, and I was told that the check had not been escheated because it was a money order and attempted to cash the check. The check was denied. I have started the unclaimed funds process through Ohio, and they need proof that I originated the check. Since this is from 2016, I do not have a copy of the purchase receipt. I am asking for documentation from PNC to show the state of unclaimed funds in Ohio that I was the originator of the check, and should have the authority to claim those funds in full. They advised they need something from PNC showing that I was the originator of the funds. 

PNC bank has not been able to obtain this for me and advised I should attempt to file a complaint with the CFPB to see if this can be researched further. I need documentation showing that I originated the check. A money order receipt showing the name of who originated the check. A banking statement, although it has just been past 7 years. There has to be some form of microfiche records showing that I originated the check. 

My son-in-law has full authorization to speak to anybody at PNC. His phone number is XXXX. My phone number is XXXX. My name is XXXX XXXX. I reside at XXXX XXXX XXXX XXXX, XXXX, OH XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: KY

Complaint narrative:
I XXXX XXXX consumer and natural person who is a victim of identity theft. Transunion, XXXX, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was share to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which XXXX, Transunion and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insured that consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID and statement.

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 2023-10-26 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: KY

Complaint narrative:
I XXXX XXXX consumer and natural person who is a victim of identity theft. XXXX, Experian, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was share to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which Experian, XXXX and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insured that consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID and statement.

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to request your assistance in resolving a distressing issue related to erroneous collections accounts that are inaccurately reporting on my credit report. I am a victim of identity theft, and these accounts do not belong to me. The two accounts in question are as follows : 1. Account with XXXX XXXX XXXX for {$210.00} 2. Account with XXXX XXXX for {$90.00} I have diligently checked my credit report and can confirm that these accounts have been inaccurately reported and are negatively impacting my credit rating. These erroneous accounts have the potential to cause long-lasting harm to my financial standing, which is of great concern to me. 

As a victim of identity theft, I have taken all necessary steps to report and address this issue, including filing a police report and working with the credit reporting agencies to dispute these inaccuracies. However, despite my efforts, these collections accounts remain on my credit report. 

I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate the closing and resolution of these unknown collections accounts. A fair and just resolution would be the immediate removal of these erroneous accounts from my credit report. Removing these inaccuracies is essential to restore the integrity of my credit history and ensure that my financial future is not negatively affected by circumstances beyond my control. 

I understand the importance of maintaining the accuracy of credit reports and the potential impact on one 's financial well-being. I trust that the Consumer Financial Protection Bureau will work towards ensuring the removal of these erroneous accounts, as this is crucial to my ability to access credit and financial opportunities. 

I request your prompt attention to this matter and your assistance in resolving this issue. Your support in helping me achieve a fair resolution by removing these inaccurate collections accounts from my credit report is greatly appreciated. 

Thank you for your time and consideration.

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 2023-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have no idea what this is about. XXXX in Ohio sent this to XXXX XXXX in California, and they sent it to XXXX XXXX in New York, and they sent it to XXXX XXXX in XXXX. No one will answer any questions about this more than twenty year old matter. I was never served any papers, nor was I given a court date to challenge them. As I was unaware of the case, court location, date and time, I was unable to appear to defend myself. XXXX years later, I just found about a judgement against me issued by a court, because I didn't appear. How was I able to challenge these false accusations as they hid it from me for XXXX years? Where is justice?

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 2023-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have my mortgage through XXXX XXXX, who after years sent the loan to Chase Home Mortgage for the servicing, earlier this year. Ever since Chase has been servicing the loan they have been unable to apply my payments correctly, I send half my mortgage payment with each by-weekly pay cycle and Chase continuously applies my payments to the principal balance and not as a regular payment. This prevents my due date from advancing and causes me to have to take the additional action of emailing Chase each month and asking them to correct the payment posting. Not only is having to contact my servicer monthly something that should be unnecessary, but it also creates a situation where my loan will go into default should I ever be unable to contact Chase about the payment application. I reached out to Chase regarding this issue several times, the most recent being escalated to an escalations group, to no avail. XXXX XXXX  serviced my loan for years and I made payments in the same fashion without any issue, if Chase can not post my mortgage payments correctly, I would request that they send my mortgage back to XXXX XXXX  for the servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: CA

Complaint narrative:
I noticed on my credit report alerts from XXXX  that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in two to three weeks. 

Discovery bank card balance shows {$10000.00} with credit limit of {$12000.00}. Authorized user since XX/XX/. i never opened a discovery card this is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AA

Complaint narrative:
In XX/XX/2023 Mohela encouraged me to recertify in order to prepare for loan payments restarting in XXXX. They did not inform me that I was not required to recertify. When I emailed them to ask why they did not post this information on their website and encouraged me to recertify when it was not required, they did not respond. Now my payment is much higher.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: NY

Complaint narrative:
accounts contain incorrect information such as late payments and missing payments that affect my history also accounts in collection check please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
accounts contain incorrect information such as late payments and missing payments that affect my history also accounts in collection check please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-10-26 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: Maximus Federal Services, Inc.
State: WV

Complaint narrative:
i called on XXXX  XX/XX/2023 was on hold for XXXX hours and my son sent an email to them concerning my bill. We were suppose to hear back within XXXX business days and today makes XXXX business days since my son sent the email. I called the place again today XX/XX/2023 and in the conversation with customer service, the lady told me that they had sent an email out on XX/XX/2023 for payment due by XX/XX/2023. However, i have never received an email at any point during XXXX or after the date that the customer service lady gave. The bill i received on XXXX  XX/XX/2023, was the first time i received any information about payment for my loan from this servicer. On this bill, there was a notice of a past due on payment for the XX/XX/2023 bill of the amount of {$51.00}. This was combined with the payment for the next month due date which is XX/XX/2023 for a grand total of XXXX due by XX/XX/2023. 

Comment from the customer lady was that they only send out notification of bill by email and not mail. The only reason you received a paper bill in the mail is when it is late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I opened the credit card for the purpose of doing a balance transfer from another card. When I applied it asked if I wanted to do a balance transfer. I said yes. It asked for amount. I put in an amount. I thought this was to see if I qualified for the card. I did. I was then sent the card and I opened an account t in their app. I was immediately asked about a balance transfer. I put in approximately the same amount as when I signed up for the card. I received a letter soon after saying the transfer was denied. I was under the impression I only requested one transfer at this time. The letter was very vague and did not state that another transfer was already I. The works. I did a grander through an existing card that I have. Then I opened my BOA app to see that a transfer did in fact go through. I called immediately and was told to get XXXX XXXX to send me a check for the amount. I did. They sent me a check and I immediately paid of the balance transfer amount to BOA. They are refusing to refund the {$120.00} transfer fee even though their letter was not detailed and as a consumer I did not understand. I thought it was because I was trying to transfer money from one Visa card to another. I did not know the first time I enetered the amount it was going through as a transfer. I am not scamming no just want the fee reversed. They refuse to 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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am sending you a letter regarding the inaccurate and misleading information that I have found on my credit report. These inaccuracies that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are the following : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am sending you a letter regarding the inaccurate and misleading information that I have found on my credit report. These inaccuracies that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are the following : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-10-26 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: GA

Complaint narrative:
These accounts they've reported on my consumer profile were incorrect and I demand for the elimination of these items as soon as possible. 

XXXX XXXX XXXX Account # : XXXX >>> XXXX  XXXX Account # : XXXX >>> XXXX  XXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Last month i had a complaint with Capital One and my credit card ending in XXXX. They corrected the fee issue and promised I would have no other issues. XXXX and I talked about my horrible experience and she assured me everything was going to be corrected. She reversed the fees I was charged and reviewed my account. She assured me that I would receive no more fees if I paid the balance due after the cycle date of the XXXX or XXXX of the month. She gave me her phone number if I had any more problems. Well after following her direction of paying after the cycle date, i still was charged a fee again. XXXX was charged on XX/XX/23. This was after i paid XXXX on a XXXX balance. I am pretty upset and frustrated at what is going on and following the directions that XXXX gave me. I since have attempted to call her twice and leave messages. To date, I have yet to get a call back. My guess is that they can not figure out why this is still happening. These unfair and deceptive practices need to be addressed with CapitalOne as the are taking advantage of the consumer in some very difficult times. I am requesting that this fee be reversed again as I did everything XXXX told me to do and the phone call recording will prove it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX illegally and fraudulently repod a vehicle I was still making payments on, then resold it. They have broken many consumer laws including deceptive business practices. They need to remove their fraudulent reporting from my XXXX and Experian credit reports. XXXX has already deleted it from my credit history. They claim to offer payment deferrals, but apparently they never actually give them to any customers. ( Please look at their reviews and the many consumers they have taken advantage of in this manner ) I would like actual proof from XXXX of supposed email or letter mailed to me denying deferment, XXXX that was acknowledged and signed by me. 
I would also like to see the loan agreement that shows that they are free to deny deferrals at will, again something that I acknowledged or signed. 
They have nothing of the sort, because they are committing fraud. Stating I was 22 days late? Ive provided proof of payments through XX/XX/XXXX, XXXX to be deferred. They broke the law. Simple as that.

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 2023-10-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased a dining table set on XX/XX/XXXX and it was scheduled to come on XX/XX/XXXX. I received a text from the warehouse XXXX that the tables they had in stock were damaged so I called him back and told him I only wanted the chairs delivered. Only my chairs were delivered and not the table that I made in the same order. I made the payment for the chairsXXXX XXXX XXXX XXXXXXXX told me to drop the dispute so that they could refund me the amount for the table. They told me on XX/XX/XXXX that they would refund the amount of my table in XXXX days of {$1900.00}. When I inquired about the refund 14 days later, they alleged that they already refunded me on XX/XX/XXXX but that is not being reflected on my credit card statement and my credit card account does not show any statements for XXXX. XXXX XXXX XXXX  and Synchrony bank have been giving me the run around for almost a year now and I am tired. Additionally they are running up late fees and ruining my credit. I should not be responsible for the thief that never delivered my table and they should be conducting an internal investigation as to why my table was never delivered and why they can not provde documented proof of my refund.

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 2023-10-26 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: NY

Complaint narrative:
I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts & inquires on my credit reports that were not open by me. This has been hurting me and I am in the process of buying a home for my family please remove the fraudulent accounts from my credit report as soon as possible.

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 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I contacted customer service to figure out how to setup recurring credit card payments at a fixed amount to pay off the balance. I was told they no longer off this service. I feel that this is a predatory lending practice to remove features that limit the borrower 's options to repay the debit.

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