vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
My Visa XXXX  Card Account Ending in # XXXX, was compromised and used without my permission on XX/XX/2022 for the total amount of {$21000.00} at the XXXX XXXX XXXX, in XXXX, NJ. NFCU was advised that I did not authorize purchase. At that time, my card was blocked, and I was told by NFCU that they would be doing a complete investigation, which would include obtaining video footage, signature and/or receipt from merchant, recording of call that was made to NFCU. To only be told at the conclusion of the investigation, that they do not accept video, nor did they contact the merchant. I called NFCU yesterday XX/XX/2022, and spoke with Supervisor XXXX XXXX XXXX XXXX ) who advised me that the investigation has not started. Nor has it been assigned to anyone. I asked for proof of this text message that they sent to me, and it has not been done. I contacted my phone carrier to receive a copy of all calls and/or text messages, but my phone carrier advised me that prepaid phones do not keep records of such data. So the burden lies on me to fight with a bank. Why they would send a text, as oppose to calling me, as they have always done in the past. What was so different about this purchase? Also, they replied back to the previous complaint I entered last month, saying that they were working on it, and per NFCU, supervisor ( XXXX ) on XX/XX/2022, they have not started working on it, which means they are lying about doing the investigation. I am also insulted by the language used in the letter of the denial, basically saying they made their decision by my transaction history, which clearly shows that my wife and I pay our bills, so what is NFCU saying? Also, to accuse me of having some sort of relationship with the vendor is mind-blowing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am a citi bank credit card client. I logged in and they offered me a bonus to open a checking account. I clicked on the link and signed up for the account and funded it the min {$5000.00} to get the {$250.00} bonus they offered me. 

Mon, XX/XX/XXXX, XXXX XXXX  XXXX, welcome to your Citibank account Hi, XXXX. Your application is approved - thanks for choosing Citi. If you haven't already, make a deposit into your new account so you can start enjoying fast, easy everyday banking. 
I called in XXXX and asked where my bonus was and the rep told me it would come in XXXX. I called in XXXX and they said I needed to call back during the week to get help, but what was my bonus code. 

I called back today and no help again. 
I am told only a dispute can be submitted but with no code no dispute. 
I dont have a code. I clicked on a link on my log in page. 
This is complete fraud and consumer deception! 
This has to be illegal. No one will help me at Citi. 
All I get is where is your code? 
I did not wake up on XXXX  day XXXX and say lets open a citi savings account today. 
Nice way to treat someone that has been a client since XXXX with the bank. 

The world needs to know that Citi Bank is a company that frauds customers of what they promised and does not care or have any way to escalate a mistake on their end.

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 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Chime Financial Inc
State: FL

Complaint narrative:
I was legally withholding rent in FL due to an uninhabitable rental unit. My landlord fraudulently charged my credit card for my rent. He did not have my authorization and has created a fraudulent document to say he had my permission. It does not have my signature or my initials and I had never seen it before my bank showed it to me. It was a fraudulent charge and my bank chime has stood behind my landlord in keeping the rent money. I ended up terminating my lease that same month and had every right to withhold my money. Ive never paid rent with a credit card its not even listed as a way to pay it on the lease. I never lived in the unit during the month in question. I am getting no where with Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, This is in reference to my consumer report. While checking my consumer report, it came to my notice that your company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX my family and I received unsolicited " offers '' from PNC to use their checks to " improve your financial flexibility. '' We decided to deposit checks for amount totaling XXXX USD on XX/XX/XXXX. This money had a whole year to be paid back yet this PNC is now scheduling this payments without our consent and they have scheduled amounts of XXXX to go back to this credit card account on XX/XX/XXXX. I have tried to resolve this with them but they sheepishly blame me for scheduling that amount when I believe it's a glitch in their system that makes this payment be scheduled WITHOUT my consent. I first called on XX/XX/XXXX and their staff showed me how to delete this scheduled payment but on Monday they had already scheduled it again for same day. I called on XX/XX/XXXX and after being on the phone with them for over XXXX minutes, their staff were rude and bossy and wanted for me to humble myself and feel like am their under their mercy, am not. I requested for manager to call me back and they said someone will reach out to me but they still haven't. I decided to call again since they are robbing me XXXX ands spoke with their staff who said they were not sure if that transaction is reversible. They keep insisting that I can change/delete payment but I will include XXXX screenshots of XXXX online bill payments and prove that on this one they schedule themselves I have no control over it and I am not able to stop/cancel payment -- -on XX/XX/XXXX I had the option to edit/cancel but PNC decided to take that option away from me. This money/offer was for to be paid back by XXXX by PNC has taken it among themselves and do illegal business. on the attachment PNC 1 their or PNC themselves system schedule it and so I can not edit cancel since I have no control. On PNC 2 it it one of the bills I set up and so can edit cancel

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: UT

Complaint narrative:
Earlier this year the student loan amount was lowered and my credit score has yet to be reflected on that new low amount and I would like to have that updated it has been over 6 months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
Someone applied for a credit card in my name without my consent. This resulted in a decreased credit score. I reached out to my bank and Experian to attempt to resolve the issue, which I believe will be done appropriately.

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2022 while I was viewing my Transunion credit report I noticed there were addresses listed that I have never lived at before, employers that I haven't worked at before. I have attempted to handling concerns with Transunion on by mail and I have not recieved any further correspondence. The addresses that I have never lived at before are as follows XXXXXXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX. I have also not worked at 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 explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My principal residence is located at XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX. 
On XX/XX/XXXX I obtained a HELOC for {$100000.00} from XXXX XXXX XXXX XXXX XXXX. Subsequently the loan was transferred to GMAC Mortgage. As a result of the XXXX Mortgage Meltdown I proceeded to negotiate a settlement of this account with GMAC. On XX/XX/XXXX GMAC accepted a settlement of {$30000.00} for the satisfaction of this loan as referenced in the enclosed letter and copy of Check # XXXX ( Exhibit A ) for purchase of XXXX XXXX cashiers check. 
I was notified by my Title Agent that currently PHH Mortgage is the holder and servicer of the note for this HELOC and that there was no Satisfaction of Mortgage recorded for same. 
On XX/XX/XXXX I contacted PHH Mortgage and spoke to manager XXXX # XXXX and requested the Satisfaction of Mortgage. 
On XX/XX/XXXX I received via email a copy of the note and the mortgage but no satisfaction of mortgage. ( Exhibit B ) The note that was produced is in the name of XXXX XXXX  and as such does not have the required Transfer stamp or Alonge to PHH. PHH has no rights to this note yet they claim that there is no satisfaction on record and offer no means of resolution for same. 
As previously mentioned this loan was settled in full with GMAC on XX/XX/XXXX and I am entitled to the Satisfaction of same. 
Recent title search attached. ( Exhibit C ) Mortgage Electronic Registration System records. ( Exhibit D )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX - Spoke with XXXX, the office of the CEO at XXXX XXXX XXXX XXXX. Car was involved in an automobile accident on XX/XX/XXXX. XXXX deemed the car as a total loss on XX/XX/XXXX. XXXX tried repeatedly to contact XXXX XXXX XXXX XXXX  the week of XX/XX/XXXX and XX/XX/XXXX but XXXX XXXX XXXX XXXX  refused to provide any information to XXXX for payoff due to their procedures. On XX/XX/XXXX I called XXXX XXXX XXXX XXXX  with XXXX representative on the line to obtain payoff information. XXXX released payoff with account number and VIN number as instructed on XX/XX/XXXX. As of XX/XX/XXXX payment XXXX XXXX XXXX XXXX  has not received payment and are threatening to report my account to the credit bureau even though XXXX delayed the check being sent by refusing to provide the information to XXXX and they have spoken to XXXX who also faxed a copy of the check, confirmed the information was correct and sent to the proper address, and there was a holiday. XXXX XXXX XXXX XXXX  refuses to place my account on hold until the payoff is received and is continuing to apply late charges and fees to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Deptartment of Education / XXXX XXXX and XXXX XXXXXXXX XXXX are displaying Late Payment for 9 student loans that are currently in Deferment or Forbearance since last updated on XX/XX/2022. Both companies have been contacted and have updated their websites respectively to display accounts currently in good standing. The late payments are effecting my credit rating and I am requesting that they reflect the accuracy of the accounts currently.

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 2022-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: NM

Complaint narrative:
I sent a debt validation letter requesting information to validate debt for accounts listed by Medical Revenue Service as : Act # XXXX {$360.00} and Act # XXXX. In return, I received a letter that contained my private medical records/information that is a direct violation of HIPPA privacy regulations ( please see attached documents ). I never signed a HIPPA form authorizing them to have access to this information.Also, there is a remaining account that is now listed on my credit as a derogatory, collection account that does not have an account number attached with it for sum of XXXX from XXXX XXXX I was never contacted about this account from the Medical Revenue Service.Since seeing this new derogatory collections, I have contacted the agency requesting validation of debt information and found they have an old address on file. This new derogatory acct in the sum of XXXX has dropped my score by XXXX points on XXXX. As such, I would need them to delete all information of these balances from their collection agency, remove derogatory collection reporting to the 3 credit bureaus, and cease all contact for the above noted accounts to prevent any further repercussion of accessing health information that I did not consent for them to to have and failure to allow me to validate the debt of XXXX that is now on my credit. *All documentation supporting previous complaint can be accessed from complaint 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 2022-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
On XX/XX/2022 at XXXX EST WakeField & Associates Violated my rights Under 15 U.S.C 1692c Section A : of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act that states : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt and continued Under 15 U.S.C 1692c 805 A1 at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. 

They also violated my rights under 15 U.S.C 1681 section 602 A. which states : I have the right to privacy.

And Under 15 U.S.C section 1681n section A and Section 1A states : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} WakeField & Associates called my personal phone number WITHOUT my consent and while I was AT WORK and HARRASSED me to pay a debt, I am now vividly XXXX XXXX. The number they called me from without my consent is XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I received an email XX/XX/XXXX at XXXX XXXX saying my new Frost Bank account has been approved. 
I Bank with XXXX XXXX, and have since XXXX. 
I've contacted the bank this morning and closed the account. 
I was instructed by the bank to file a report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
the medical collection was paid and settled in full, on XX/XX/2022 yet is still showing a balance owed on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC
State: IL

Complaint narrative:
Hello I am submitting this complaint without error or influence of any third party agencies.

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 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to complain about a deceptive and coercive practice that Wells Fargo employs to force customers to sign up for digital/online statements. Wells will offer customers with holdings about a threshold amount to receive paper statements and for them to view checking transactions. When the customer makes an online request to see transactions greater than ~60days in the past, however, the Wells app displays a page stating that the customer must elect to either receive all electronic statements OR to confirm that they continue to receive both paper and electronic access. The page warns the customer that they can not reverse this choice. What a customer who wishes to continue paper statement experiences on that page, however, is that he/she can not select to continue as is. The webpage buttons indicating a 'continue ' choice are inoperative. When contacted, Wells admits that that is the case and confirms that they will not allow a customer to view older transactions if they receive paper statements. The webpage trickery is a deceptive and coercive ploy that forces customers to choose electronic statements saving Wells considerable costs. When I first filed a complaint with Wells months ago I heard nothing. I've filed a second complaint and received only a " promise to respond ''. The Wells webpage continues to operate as before.

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Deptartment of Education / XXXX XXXX and XXXX  XXXX XXXX are displaying Late Payment for 9 student loans that are currently in Deferment or Forbearance since last updated on XX/XX/2022. Both companies have been contacted and have updated their websites respectively to display accounts currently in good standing. The late payments are effecting my credit rating and I am requesting that they reflect the accuracy of the accounts currently.

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Deptartment of Education / XXXX XXXX and XXXX XXXXXXXX XXXX are displaying Late Payment for 9 student loans that are currently in Deferment or Forbearance since last updated on XX/XX/2022. Both companies have been contacted and have updated their websites respectively to display accounts currently in good standing. The late payments are effecting my credit rating and I am requesting that they reflect the accuracy of the accounts currently.

Company response to consumer: Closed with explanation