vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
all XXXX credit bureaus are reporting a charged off XXXX account ... ..i have challenged the 100 % accurate reporting of this account as required by law with all XXXX credit bureaus as well as XXXX and each time they say that they verified the information being reported is 100 % accurate... i have challenged this about XXXX times ... im looking at the inaccurate information on my credit report and i am going to point it out below and will attach a copy for your review... ..these companies are violating my consumer rights .. date of last payment XXXX- XX/XX/XXXXXXXX XXXX XX/XX/XXXX equifax- XX/XX/XXXX date of last payment XXXX XXXXXX/XX/XXXX XXXX- XX/XX/XXXX equifax- XX/XX/XXXX -- -- -on the 2 year history they are also reporting XX/XX/XXXX XXXX credit XXXXXXXX XXXX000.00} XXXX {$0.00} equifax- {$0.00} comments XXXX- Charged off as bad debt Dispute resolved ; customer disagrees experian- Purchased by XXXX another lender. Unpaid balance reported as a loss by credit grantor. XXXX XXXX XXXX ITEM DISPUTED BY CONSUMER equifax- Consumer XXXX after resolution Account transferred or sold

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Almost a year or XXXX ago when XXXX merged with PNC, they've implemented " MONTHLY SERVICE CHARGE VR '' fees for {$7.00}. I rarely have money. On XX/XX/2023, I had {$0.00} because I don't work and have been going to school, but couldn't as my family and I are poor and can't afford to do most things. They charged me on that day, reduced me to - {$6.00} and sent me an alert on Monday that I had low cash and that " If you don't bring your account balance to at least {$0.00} by XXXX p.m. ET on XX/XX/2023, your account will be charged an overdraft fee ( XXXX ). '' I've talked to them in person and on the phone before and they said it's part of the policy, that if you are under {$500.00}, you will be charged monthly for {$7.00} and there's nothing they can do about it. I'm lucky I was able to ask somebody for a quick cashapp because I wouldn't know what else to do. This is ridiculous as XXXX never had that. PNC charges on that and would have Overdrafted me if someone didn't intervene for me and send me money as an emergency. It doesn't make sense to take money when there is no money. I've had to do this twice and it's annoying. Whomever implemented this at PNC is preying on people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
all 3 credit bureaus are reporting a charged off XXXXXXXX XXXX XXXX  ..i have challenged the 100 % accurate reporting of this account as required by law with all 3 credit bureaus as well as XXXX and each time they say that they verified the information being reported is 100 % accurate... i have challenged this about 10 times ... im looking at the inaccurate information on my credit report and i am going to point it out below and will attach a copy for your review... ..these companies are violating my consumer rights .. date of last payment transunionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  trasunion - XXXX - XXXX XX/XX/XXXX -- -- -on the 2 year history they are also reporting XX/XX/XXXX XXXX XXXX transunion- {$580.00} XXXX XXXX XXXX XXXX XXXX transunion- Charged off as bad debt Purchased by another lender XXXX- Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. XXXX XXXXXXXX XXXX ITEM DISPUTED BY CONSUMER XXXX- Account transferred or sold Charged off account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
On XX/XX/2022, my XXXX  XXXX XXXX and I bought furniture at XXXX XXXX in XXXX XXXXXXXX, XXXX Their financing - XXXX free of interest was through Wells Fargo XXXX 
We signed up to receive online statements and also received cards from the bank. Didn't think about anything wrong, as our first statement ( Attached ) indicated the terms and conditions for which we were purchasing furniture. Interest FREE for XXXX. Well, I trusted the system, only to find out that we have been charged interests since XX/XX/2022 and because statements were sent online, I didn't notice until now. 
I called them yesterday and was given a Claim # XXXX. I submitted extra documents today but I feel strongly to submit this claim so people are aware of my situation with tis notorious bank robber - Wells Fargo. Always misleading customers and abusing their financial power.

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 2023-01-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I just found out by a XXXX XXXX XXXX XXXX XXXX  on XX/XX/2023. I owe more than one thousand in a school I never signed into as part of a contract. I never had auto payments deducted because I never signed on to auto pays and the collector known as Ability Recovery Services has been found as a fraudulent company who harasses and attempts to collect amounts with discrepancy and not accurate. I sent a formal letter to this collection company asking for information that goes to as how I owe anything to that school and they could not provide by Law any documents except an enrollment not signed by me papers. That is how this company is going by. That by Law is fraud. They have not rights at all in the state of Florida to attempt to collect any un accurate debt. The papers this collection agency has, does not show nor proof I owe debt to this school nor are the papers a contract signed by 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 2023-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Global Lending Services LLC
State: MA

Complaint narrative:
I made my payment sometimes twice a month or abd every month the balance never go down please I need helps

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
After paying on a no-interest 24 month purchase, for two years, Comenity Bank suddenly and without warning charged me {$650.00} in interest on the purchase. The final payment was about {$100.00}. 

I had my account on auto-pay, but the final payment on that purchase was not included in the autopay payment. Thus, I missed it and they charged me the interest. 

I was not sent an email or text messaged about this imminent interest charge, despite being on their call/text list for account information. I regularly receive marketing and account information in those ways from Comenity for this account, so it is perplexing why they would not contact me. 

Two deaths in my family prevented me from dealing with this account until now. I called Comenity on XX/XX/17 at XXXX and they said they could not eliminate the charge or issue me a credit. 

I am filling a complaint that they violated consumer protection laws by not informing me of the impending {$650.00} interest charge, by not increasing my auto pay amount at that I could pay the balance and avoid the charge, and by not offering to me to increase my auto pay so I could avoid the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
on XX/XX/2022 td bank closed my account without reason and are illegally withholding funds ( {$550.00} ) that i deposted cash into a td branded atm. they promised to reach back out to me within 30 days with no response. with every attempt to contact i received cold transfer and misinformation and im still not given an exact date when my money will be returned or the reason my account was closed in the first place

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit Bureaus TransUnion and XXXX, failed to make corrections and updates to my XXXX XXXX, despite my submission of information validating that company 's claim was false.

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 2023-01-17 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: MOHELA
State: SC

Complaint narrative:
Mohela has been reporting that I have not paid my student loan and that it has been late. 

Legally and federally all student loans have been on pause since XX/XX/XXXX and do not resume until XX/XX/XXXX. 

Student loan forbearance is the temporary suspension or reduction of student loan payments. During a forbearance period, you're not required to pay anything toward the principal on your student loans. Interest can continue to accrue on your loans and be capitalized or added to your balance at the end of the forbearance period. 

I am requesting that Mohela corrects this mistake immediately. 
I am also requesting that the consumer reporting agency examine the disputed information, which legally should be done within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: IL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
all 3 credit bureaus are reporting a charged off XXXX account XXXX ..i have challenged the 100 % accurate reporting of this account as required by law with all 3 credit bureaus as well as XXXX and each time they say that they verified the information being reported is 100 % accurate... i have challenged this about 10 times ... im looking at the inaccurate information on my credit report and i am going to point it out below and will attach a copy for your review... ..these companies are violating my consumer rights .. date of last payment XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX equifax- XX/XX/XXXX date of last payment XXXX - XXXX - equifax- XX/XX/XXXX -- -- -on the 2 year history they are also reporting XX/XX/XXXX high credit XXXX- {$580.00} XXXX {$0.00} equifax- {$580.00} comments XXXX- Charged off as bad debt Purchased by another lender XXXX- Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. XXXX XXXX XXXX ITEM DISPUTED BY CONSUMER equifax- Account transferred or sold Charged off account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
all XXXX credit bureaus are reporting a charged off XXXX account XXXX ..i have challenged the 100 % accurate reporting of this account as required by law with all XXXX credit bureaus as well as XXXX and each time they say that they verified the information being reported is 100 % accurate... i have challenged this about XXXX times ... im looking at the inaccurate information on my credit report and i am going to point it out below and will attach a copy for your review... ..these companies are violating my consumer rights .. date of last payment transunion- XX/XX/XXXX experian- XX/XX/XXXX equifax- XX/XX/XXXX date of last payment XXXX - experian - XXXX XX/XX/XXXX -- -- -on the 2 year history they are also XXXX XX/XX/XXXX high credit transunion- {$580.00} XXXX {$0.00} XXXX {$580.00} comments XXXX- Charged off as bad debt Purchased by another lender experian- Purchased XXXX a another lender. 
Unpaid balance reported as a loss by credit grantor. XXXX XXXX XXXX ITEM DISPUTED BY CONSUMER equifax- Account transferred or sold Charged off account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I checked my credit report and the Bankruptcy that I have been filing a complaint still on my credit report. This XXXX  XXXX bankruptcy is erroneous. The bureaus and the company failed to provide proof and I never received any proof of the investigation which I have been requesting for so many times.

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 2023-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 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

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 2023-01-17 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: SC

Complaint narrative:
XXXX has been reporting that I have not paid my student loan and that it has been late. 

Legally and federally all student loans have been on pause since XX/XX/XXXX and do not resume until XX/XX/XXXX. 

Student loan forbearance is the temporary suspension or reduction of student loan payments. During a forbearance period, you're not required to pay anything toward the principal on your student loans. Interest can continue to accrue on your loans and be capitalized or added to your balance at the end of the forbearance period. 

I am requesting that XXXX corrects this mistake immediately. 
I am also requesting that the consumer reporting agency examine the disputed information, which legally should be done within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it.

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 2023-01-17 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: SC

Complaint narrative:
XXXX has been reporting that I have not paid my student loan and that it has been late. 

Legally and federally all student loans have been on pause since XX/XX/XXXX and do not resume until XX/XX/XXXX. 

Student loan forbearance is the temporary suspension or reduction of student loan payments. During a forbearance period, you're not required to pay anything toward the principal on your student loans. Interest can continue to accrue on your loans and be capitalized or added to your balance at the end of the forbearance period. 

I am requesting that XXXX corrects this mistake immediately. 
I am also requesting that the consumer reporting agency examine the disputed information, which legally should be done within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: SC

Complaint narrative:
XXXX has been reporting that I have not paid my student loan and that it has been late. 

Legally and federally all student loans have been on pause since XX/XX/XXXX and do not resume until XX/XX/XXXX. 

Student loan forbearance is the temporary suspension or reduction of student loan payments. During a forbearance period, you're not required to pay anything toward the principal on your student loans. Interest can continue to accrue on your loans and be capitalized or added to your balance at the end of the forbearance period. 

I am requesting that XXXX corrects this mistake immediately. 
I am also requesting that the consumer reporting agency examine the disputed information, which legally should be done within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it.

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 2023-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I received a call from Capital One asking to verify if I applied for a XXXX  credit card on XX/XX/2023. I did not, but there is a hard inquiry on my credit report for this now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit Bureaus XXXX and XXXX, failed to make corrections and updates to my credit score, despite my submission of information validating that company 's claim was false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit Bureaus XXXX and Experian, failed to make corrections and updates to my credit score, despite my submission of information validating that company 's claim was false.

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