vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A.
State: AL

Complaint narrative:
PNC Bank acquired BBVA Compass Bank in late XXXX. I had a HELOC with BBVA Compass for over a decade. MY credit Union, XXXX XXXX XXXX was set up to auto-Bill Pay my HELOC Bill in the amount of {$400.00} per month at the same time each month. This was never a problem until PNC acquired BBVA. I was informed in XXXX XXXX XXXX that I was three months past due. I immediate paid PNC the {$1200.00} they claimed I was " past due '' due to a refinance I was going through with my Credit Union at the time. Afterwards I sought to find out what happened to the three {$400.00} payments my credit union was supposed to make for my HELOC but that PNC claimed were never made. After many many months of getting the run around I provided PNC with multiple documents including official communication and verification from XXXX XXXX XXXX that the payments were made and were never returned or rejected by PNC Bank. I am now out {$1200.00} with no recourse despite all the evidence that shows the payments were made and never rejected. Additionally, PNC ruined my credit by reporting my loan as being 3 months past due when in fact all the evidence shows that the three {$400.00} payments were not only made, but made in the same manner by the same financial institution and on the same dates of the month as they had been for over a decade before PNC acquired BBVA. I wish to have my credit restored, the delinquent payments struck from my credit report and my {$1200.00} refunded as it now proven that I have now paid it twice while attempting to get this issue resolved by PNC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : 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 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 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 explanation
Consumer complaint received 2023-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 confidentially under 15 usc 1681. 

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  15 usc 1681 section 602 a state i have the right to privacy. 

15 usc 1681 section 204 a section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions. 

15 usc 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: 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 confidentially under 15 usc 1681. 

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 15 usc 1681 section 602 a state i have the right to privacy. 

15 usc 1681 section 204 a section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions. 

15 usc 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: VA

Complaint narrative:
I received a collection letter from the Medical Revenue Service for a bill that should have been sent to my secondary medical insurance XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXby the provider. The medical provider is XX/XX/XXXX The date of service is XX/XX/XXXXreceived both of my medical insurance information upon the date of service. I do not owe this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My wife transferred {$9600.00} from my BofA checking account to a domestic XXXX XXXX account on XX/XX/XXXX  due to a scam. I was not at home when everything happened, after I heard the details I immediately called BofA and reported this case to local police on XX/XX/. The account information of the recipient led the police to a real person, who stated that she didn't receive the money and her account was frozen from XXXX, XXXX. The police officer asked us to make sure whether the bank can recover the money or where the money went. So in the following days, I kept calling BofA. First they said it takes 2 weeks, after 2 weeks they said it can take up to 90 days. But after 3 months, they stared to say that this case is rely on another bank so they don't know when I can get the result, and always, they don't have any updates about my case. A few times they promised to request detailed information from the investigator for me, but as a result I never received any information from them. Finally, after one year waiting, I received one email that informed me the bank failed to recover the money and our case was closed, without any explanation. I called the bank for details, again they just promised to send information to me but I received nothing. 

We think the bank should be responsible for the failure to recover the fund, and compensate for the slow response. Because even if the recipient 's bank account was frozen, it will only last half a year normally. Respond after one year doesn't make any sense. It gave the scammer enough time to disappear. What's more, the one year waiting deprived us of the best chance to cooperate more with the police and lawyers. Now it's almost impossible to take any efficient legal actions.

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 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I visited Wells Fargo ATM on XXXX XXXX XXXX XXXX XXXX, CA on XX/XX/2023 to draw a {$1000.00}. The initial attempt was failed to draw the money due to an error. I received help from a local associate for withdrawal. After she did something on her tablet, I was able to draw {$1000.00}. On my account transaction history, I noticed two transactions of {$1000.00} and disputed it with the bank. But bank still says there are two transactions of {$1000.00} each which is not true. I requested camera/video evidence to confirm the action but denies the request by saying video evidence won't be used for such incidents.

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 2023-10-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank blocked my checking account on XXXX ( XX/XX/XXXX ) because the address on file had been changed. I called and verified the address. The account was unblocked for a couple of days and blocked again without any notice. When contacted, they said that they needed to verify the ID of the joint account holder ( my brother ) but couldnt give a reason why as all documents were presented when then account was opened. He went to the XXXX, California branch of Citibank to unblock the account in person on XX/XX/XXXX and provided a copy of his Driver 's License and Social Security Card. They said that it would be unblocked within XXXX hours. 

On XX/XX/XXXX, I still do not have access to our money. My identity is not in question but my access has been blocked as well so I called and they transferred me to the Remediation Department. The person from the Remediation Department explained to me that the XXXX XXXX had uploaded someone elses drivers license ( someone unknown to us ). We both agreed that was a mistake from Citibank and that they would expedite the unblocking because I did not have access to MY FUNDS. They asked me to email my brothers Drivers License and call them afterwards to have the account unblocked immediately. I did as instructed and when I called them, they verified that they received the documents and would escalate the process to expedite it and that I could access my funds in two hours. 

It is the end of day on FRIDAY XX/XX/XXXX and Citibank is unlawfully keeping me from accessing my funds because of THEIR mistake. They need to be investigated for unlawful practices and, needless to say, they need to release my funds NOW, which I need to survive. 

Furthermore, this is a very serious security breach. They sent someone else 's documents to my account and who knows where my brother 's Driver 's License and Social Security Card ended up. This bank 's practices should be investigated.

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 2023-10-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I just found out with BLUEBIRD there is an added card number ending in XXXX in which I do not have that card. Please remove that card from my Bluebird Account. I only have one card open with my account at Bluebird ending in XXXX. Thank you for your assistance in these matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: MD

Complaint narrative:
In XX/XX/XXXX I requested a credit limit increase at that time I was told to have my limit increased from {$200.00} to XXXX I needed to send in {$200.00} on XX/XX/XXXX and on XX/XX/XXXX I purchased both money orders totaling {$200.00} both money orders were sent to FIRST PROGRESS ON THE SAME DAY, after several calls FIRST PROGRESS I CONTACTED XXXX XXXX WHERE THE MONEY ORDERS WERE DRAWN ON, THIS IS WHEN I WAS TOLD BY THE REPRESENTATIVE FROM XXXX XXXX THAT BOTH MONEY ORDERS WAS CASHED ON WEDNESDAY XX/XX/XXXX After I received the information from XXXX XXXX I CONTACTED FIRST PROGRESS, THIS WAS WHEN I WAS TOLD THAT THEY HAVE NOT RECEIVED THE MONEY ORDERS, I HAVE SENT ALL OF THE DOCUMENTS THAT I RECEIVED FROM XXXX XXXX TO FIRST PROGRESS.as of this date FIRST PROGRESS IS STILL STATING THAT THEY HAVE NOT RECEIVED THE MONEY ORDERS THAT I SENT TO THEM THIS IS ALSO AFTER I HAVE SENT THEM THE PROOF FROM XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITY NATIONAL BANK
State: NV

Complaint narrative:
XXXXXXXX  ( a Merchant processing service ) perpetuated a fraudulent ACH withdrawal my business checking account for {$28.00} on XX/XX/XXXX XXXX XXXX 

I did not authorize this ACH, in fact, I provided an email to XXXX rep stating I was not interested in their services. 

When I noticed the fraudulent ACH charge on my business checking account monthly statement, I immediately sent an email to the XXXX  Client Officer, who verified the charge was from XXXX XXXXXXXX. She opened a dispute in XXXXXXXX XXXX XXXX, and as of yesterday, she emailed me to say that " we are at the mercy of the merchant, XXXX XXXX when they wish to respons. '' The Bank refuses to refund my money fraudulent removed from my business checking account, claiming it is up to the merchant to respond. 

I have the PDF of email string ready to send to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXXXXXX ( This is not accurate. please remove this inaccuracy from my report ). 
XX/XX/2019 Inquiries : 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 2023-10-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXXXXXX ( This is not accurate. please remove this inaccuracy from my report ). 
XX/XX/2019 Inquiries : 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 explanation
Consumer complaint received 2023-10-27 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: MOHELA
State: TX

Complaint narrative:
My loan was transferred from XXXX to MOHELA, and I was notified on XX/XX/. However, I was never notified that the transfer had been completed until XX/XX/. At that time, I was made aware that I had a payment due on XX/XX/. My previous loan servicer had deferred my payments until XXXX due to processing my Income-Driven Repayment Plan application, which was submitted on XXXX. MOHELA did not acknowledge this application, said that my loan types were listed incorrectly, and that I would need to go through an application to correct the loan types and make me eligible to re-apply for Income-Driven Repayment Plan ( which is still pending per the federal website ). While trying to go through this application on XX/XX/, the representative I was speaking with somehow ended the call, and I have tried getting through since to no avail. I am now in a spot where MOHELA is requesting a payment with only 1 day notice despite prior deferment, incorrect loan information, and the inability to get in contact with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: OH

Complaint narrative:
THIS ACCOUNT WAS CLOSED DUE TO FRAUD/IDENTITY THEFT AND NEEDS TO BE DELETED FROM MY CREDIT REPORT

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
THE ACCOUNT SHOULD NOT STILL BE REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT ex...late payments, charge-offs, collections etc...

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 2023-10-27 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I had a store card at XXXX XXXX and without my authorization they closed my store card account and opened up a visa credit card through Citibank. I only found out about this when I tried to pay my store card balance online like I always have using my bank account and the online website said it needed to verify the account and that it would take 3 days to verify it. I called customer service to find out what that meant and they told me that they had opened a visa card in my name instead of my store account and my balance had been transferred to the Visa account. I never authorized this Visa account and I had no knowledge that they were closing my store account to open it. They tried to tell me it was some kind of promotion and I told them I dont want it I just want the store account and they said I couldn't switch back. I had to use the Visa. I went ahead and canceled the account and now they are telling me my payment, which i ended up mailing in, is late because they gave me the wrong address to mail it to. Thankfully I have a tracking number for when my check was delivered and what day I mailed it. Is it legal for them to open a Visa account in my name without my authorization? If it is, why and how is this legal? The late fee was {$29.00} dollars and they charged an additional {$4.00} for interest or some sort of craziness. This seems like such a scam, I don't even know what the apr or other conditions on the card are. I never authorized it and I can't believe this is legal. The fact they gave me the wrong address to send my check to making my payment 'late ' really just makes this seem like even more of a scam.

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 2023-10-27 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: NY

Complaint narrative:
I looked upon my credit report and discovered this accounts that need to be deleted

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 2023-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
After hurricane XXXX in XXXX, our servicer reached out to us for a XXXX month forbearance because of the hurricane. They were suppose to transfer those payments to the back of the loan. During that period XXXX became our loan servicer and did not honor that agreement. With the help of attorneys we applied for a loan modification. This process took XXXX  years, XXXX law firms and over $ XXXX, finally ending with the threat of bankruptcy. 
The day before the Bankruptcy hearing NewRez presented us with the only offer they have ever given us for modification, all fees and charges added to our loan, extending our loan to 40 years and doubling our interest rate. This " deal '' resulted in effectively doubling our mortgage.

There was no official reason why this process took so long other than NewRez not meeting their own deadlines thereby dragging their feet until we decided to pursue Bankruptcy, it became priority to them at that time. To this day we have gotten no explanation as to why they repeatedly delayed this process, refused to work with us and at times not show up to conciliation 's arranged by both lawyers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation