vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: OH

Complaint narrative:
This concerning by prior complaint with PNC, during my research I found that there was no XX/XX/2023 statement thus my {$200.00} payment from XXXX didn't post causing the Late fees. I have attached documents proving that possible fraud!!! XXXX the PNC has been no help at all!!!! My PNC expedited case number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-27 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report. This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment Immediately. 
Account XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX ) Months Showing Late Payments XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023

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 2023-09-27 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:
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 non-monetary relief
Consumer complaint received 2023-09-27 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: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account 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 non-monetary relief
Consumer complaint received 2023-09-27 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: PA

Complaint narrative:
In accordance with the fair Credit Reporting Act XXXX Account # XXXX opened XX/XX/XXXX has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose update late payments for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to current or delete account immediately. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Hatfield, Inc.
State: OK

Complaint narrative:
Grid is reporting two accounts within their company under my profile- while I only believe to have one account with them I understand the basis that I have a credit line and an advance line through them under the same account. However, my issue within this company is the false reporting. They are currently reporting that I am 120 days late, I have never been 120 days late with their company. I disputed the reporting XX/XX/31. They updated my account as paid as agreed and then as of last week changed it back to over 120 days late, which is wrong. 
They are violating my rights of the Fair Credit Reporting Act by falsely reporting my account as over 120 days late. I have attempted to resolve this issue in a multitude of differing ways and nothing has been resolved. I am in the process of trying to buy a house and their false reporting is destroying my chances of getting my home. 
If they can not fix this and correct my report I will have no other choice but to turn to other actions to resolve this violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: MI

Complaint narrative:
on XX/XX/XXXX I was scammed through my University email from a person impersonating a professor offering me a research job for XXXX weekly. Copy of email next. 

Interdisciplinary Research Project Inbox Research Professor XXXX XXXX XXXX Sat, XX/XX/XXXX, XXXX ( 11 days ago ) to me Hello XXXX  XXXX, This is an invitation to work in an interdisciplinary research project collecting data online and earn {$300.00} weekly. This is an adaptable job that requires little to no prior experience. 

Provide the information below to indicate interest and you'll receive a follow up email detailing work schedule. 

Full Name : Cell # : Alternate email : Regards XXXX XXXX XXXX Professor of XXXX XXXX XXXX XXXX XXXX After research was done, they sent me check for XXXX. XXXX for my pay and XXXX to deposit withdraw and load on barcoded money cards through XXXX. This was for XXXX to process the data collected and generated reports for the data.I did not know this was a scam until my bank of XXXX contacted me saying my account was closed due to fraud. II did this 5 times totaled XXXX. My bank claims a zero liability for fraud on checking and debit card and atm transactions but are still holding my funds deposited XX/XX/XXXX from my VA XXXX and education benefits for school. The university sent out a campus and online campus wide email warning that scammers taking advantage of student body which happened two hours after me reporting to them. I need help with my bank PLEASE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have been trying to to make my credit card payments for 3 months payments to US BANK and they sending my payments back.I Always have the funds to pay it as I'm typing this i, mon the phone with US BANK again same old transfers from one dept to another. They ruined my credit and everytime I talk to them they say they can, t do anything

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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Denefits LLC
State: PA

Complaint narrative:
I obtained financing from Denefits XXXX I made payments but then became injured and ill and fell behind. I arranged a settlement agreement with them and have so far made XXXX payments. Despite agreeing to a settlement this company continues to post inaccurate balance info and every month states I am getting further and further behind indicating no payment in last XXXX  days. I contacted the rep from the settlement department and he says they dont update it till I complete the settlement. First off that is incorrect because my credit report for the months since I started the settlement have shown increases in my balance ( and do not match what the rep tells me I actually owe ) and increases in days late - yet I am on time with my settlement for months now. Secondly just because I have a settlement they should still be reporting on my report accurately- I dont care if they note the revised balance as a settlement- I am current with our current agreement. They have promised to remove it once it is paid but they should be accurately reporting in the meantime

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In XXXX I made a XXXX deposit to my XXXX XXXX checking account through their mobile app. For whatever reason they decided to place a hold on my deposit. However I made 2 pmts of $ XXXX to pay my AMEX bill PRIOR to finding out XXXX XXXX placed a hold. I immediately contacted AMEX to make them aware and was told no problem they would retry 3 times. I filed a complaint with XXXX XXXX ( response letter attached ). Today I get an email from AMEX stating they closed my account. After holding 1 hourv13 min disconnected, called back speaking with someone who asked me to locate the letter and she disconnected me. Called back 2 hours on hold and told despite letter no can do in reopening account even though it was not my error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: FL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-27 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: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-09-27 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: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Contacted on XX/XX/23 When I stated that I did not owe this amount they said I would need to contact the company in question and they could not assist me further. I contacted XXXX and XXXX told me they do not know why the company is trying to collect as XXXX in fact owed me money, I did not owe them anything. 

Spoke with XXXX XXXX at XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
I paid my entire card off in XX/XX/2023 and the company was supposed to close the account. Old navy did not close the account until XXXX and charged me interest and late fees even though the cars was paid off. I was instructed that since I paid the card off before the statement was done that the entire amount was not accurate and they are not charging late fees and interest on the interest they claimed I never paid but in reality I paid the amount in full and requested to have it closed.

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 2023-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NE

Complaint narrative:
Company applied wrong XXXX plan. Reapplied through dept of Ed for XXXX plan. On XX/XX/XXXX, company said they would respond by email in 10 days. No response. Have filled out XXXX email forms no response. They keep charging interest. Wait time every day over an hour for phone service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On Monday XX/XX/XXXX at XXXX XXXX Pacific Standard Time, I called tried to close my PayPal account business account and it said online that I must call customer service. I called customer service and I requested that they close my account. I was told my account was closed after being on the. Phone for quite some time. 
Today, Thursday. XX/XX/XXXX I wake up to a note e-mail from PayPal saying they've restored my account. I call them. I get to a supervisor. I find that they have not closed my account. When I go online, I looked, it was not closed. Therefore all my information was there. I was not able to remove my credit cards or my bank account info either. The supervisor told me that he was unable to close my account and I asked him why and he said there was a limitation put on it. And I asked him what it was and he said there was a limitation put on Monday at XXXX XXXX, the exact moment I told them to close my account. The limitation placed on my account was that it would not be able to be closed even by a PayPal employee. So they did not close my account. They in fact put a limitation on it so it could not be closed. 
the employee at paypal today was quite good i explained to him the situation he explained to me that first he would try and get my cards off which they had locked on and could not be taken off. He did manage to get my cards removed and then he started on trying to figure out why or how to get this limitation off. After about XXXX an hour he did get the limitation removed and he closed my account and then we had a whole discussion the supervisor and I about how crazily illegal it was that when I called to close my account as they required me to call them. That PayPal third tier supervisor put the limitation on it that could not be closed. 
If they are doing this to me, they're doing it to every other business account holder and this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: CT

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-09-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: MIDFIRST BANK
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX. 

XXXX, WA. XXXX RE : Midland Mortgage XXXX XXXX XXXX XXXX  XXXX, OK XXXX Account # XXXX On XX/XX/XXXX, I initiated a letter of grievance to Midland Mortgage to dispute the handling and timing of my mortgage account. They told me I would receive a reply in 30 days. To date I have yet to receive an answer to my grievance. 



Timeline XX/XX/XXXX I moved into my house via a VA loan through XXXX XXXX. 

XX/XX/XXXX Midland Mortgage buys my mortgage from XXXX XXXX, I didnt like that. 

XX/XX/XXXX M M offers me a forbearance for one year due to Covid pandemic. The agreement was put that year on the end of my 30-year mortgage. 



XX/XX/XXXX M M suggests I apply for a grant from the state of Washington. That would pay for the forbearance year. I took the necessary channels and applied to XXXX XXXX. I was told it would take a couple weeks. 

XX/XX/XXXX - XX/XX/XXXX M M reports my account as negative and none paying to the three credit bureaus. WRONG. 

XX/XX/XXXX - XX/XX/XXXX Washington state granted me the grant for {$39000.00} and forwarded said funds to M M. 

XX/XX/XXXX I called M M to request documents on my home for tax purposes. They said we cant honor my request because they didnt post the monies to my account until that day! WRONG It has been nearly 60 days since my grievance was filed and no reply. I seek a correction to the reports submitted to the three credit bureaus. I would like my XXXX points lost on my XXXX score returned. I seek restitution for my pain and suffering. I asked them to adjust their calculations, to put XXXX at the end of my contract and start new XX/XX/XXXX. 

Please CFPB, I seek your help in this matter. 



Sincerely, 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 explanation