vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PENTAGON FEDERAL CREDIT UNION
State: AP

Complaint narrative:
On XXXX XX/XX/2024 I initiated a international wire transfer from the Pentagon Federal Credit Union Branch on XXXX XXXX to pay for XXXX vehicles. I provided them with the dealerships company name and address along with the banks Swift code - branch number and address. The attached document shows that the teller entered the beneficiary country as XXXX and state as CA. The teller also misspelled the beneficiary address and did not include the bank branch number on the Swift code. She stated that it did not matter as long as the Swift Code and Account number were correct. The Penfed receipt for the wire transfer shows the transfer amount of {$16000.00} USD will be exchanged into XXXX EUR. I requested exchange into XXXX XXXX not XXXX The dealership never received the funds so I had to pay another {$16000.00} dollars ( paid in XXXX ) to obtain the vehicles. On the XXXX of XX/XX/2024, I request a trace be done to determine where me funds are or ended up. To date PENFED has not provided me wit this information. They keep telling me the " Wire Department '' is looking into the issue. I have no way to directly contact the " Wire Department '' and the customer service is playing phone / email tag with this " Wire Transfer '' department. Meanwhile I my funds have not been returned or located. I would like a refund as it appears PENFED did not fill out the wire transfer correctly and the funds have been lost or misspent.

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 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I sent a check through XXXX  to Citibank on XX/XX/XXXX with a due date of XX/XX/XXXX. They claim they received the check on XX/XX/XXXX and charged me a 30 late fee and XXXX interest. 
I believe the check was received at Citibank and they sat on the check instead of depositing on receipt. The same issue happened the previous month. Their solution was I should call them each month to make a payment over the phone or use their app to make the payment.

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 2024-02-09 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: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland Credit Management I called the collection agency on XX/XX/2024 and I spoke to a lady I asked her to give me the acct number and the right amount of this collection and she refused several times and also told me they no longer were the ones dealing with this the amounts are different she refused to give me her name and employee ID also I have disputed this several times and even called the credit beauros and nothing has been done about this I just want it removed from my credit report due to this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I submitted this complaint to update this suspicious information. EXPERIAN and XXXX Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance : {$2300.00}

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I am writing to submit a complaint the following information Nelet Inc. supplied to XXXX, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to XXXX accounts ( XXXX opened XX/XX/XXXX ). 

During Covid-19 I suffered from a major hardship, I had a great death in my family, and I lost my former XXXX, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to your company to request hardship payment options, I agreed to do a covid forbearance with your company. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that Nelnet Inc. remove late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing concern. I have also reached out to Nelnet in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history.

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hi, I need to dispute 3 transactions made with my debit card XXXX, I treid to call several times to the bank and is impossible to speak with someone due that the system XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I made these 3 transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I bought 3 smartphones XXXX XXXX XXXX XXXX XXXX, the purchase were made in person at the store, but the shop didnt have it on stock at the same place for immediate delivery, So they will send by XXXX it to my house and I should get it no longer than XX/XX/XXXX. 
The shipment never arrived, also I never get a tracking number or shipment information. 
I tried to request that information several times from the merchant but they never answer my emails and phone calls. Also I couldnt go in person to the store because I moved to another city.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: UT

Complaint narrative:
I have received a minimum of XXXX phone calls a day from this company for the past week. Yes I am a little behind on my car payment. They know my situation and they still call. At this point It is harassment and I am tired of it. There have been XXXX phone calls from them in the last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a new checking account with Citi Bank and did a mobile check deposit. Well seeing how I just opened the account I don't have a card yet but it says I have XXXX so I tried to XXXX my money to my bf so I could use my money to pay a bill and it wouldn't let me XXXX..so I tried to talk to to someone on the app about my account and they didn't have any info for me. So I then called and talked to someone who wasn't able to help me either..they blocked my account and aren't helping me unlock it. So I have XXXX  in the account that I'm unable to touch and can't get any help to get access to money. They don't have any branches in Texas so I can't go in and talk to them. Please help me out here. 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 2024-02-09 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: IL

Complaint narrative:
Hey, so there's this thing called FCRA XXXX, and it says if your credit stuff is wrong, it needs fixing. I'm not really sure what's happening, but can you check these papers? They're saying stuff on my credit report that's not right. It's making me feel super upset and kinda sick, so can you help make it all better?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was on XXXX and there was an advertisement of some vitamins which could take away your XXXX  overtime, I was skeptic about it but I ordered at least 2 bottles which totaled {$43.00} something, then on this same date I checked my PNC Bank account and there was this charge of {$190.00} which threw me off the wall that I totally did not approved. I immediately contacted PNC Corporate Office bank and advised them of it and it was showing pending at that time. I was advised this Bank Customer Service Representative and she immediately deleted that debit card I used for this transaction and was replaced with another debit card. She then told me that once the pending is off, I should file a dispute and I did that. Within ten days PNC Bank credited my account the {$190.00}. Today, XX/XX/XXXX, I received a letter from PNC Bank dated XX/XX/XXXXXXXX  from the dispute department that there investigation is complete that they were going to reverse this charge of {$190.00} back to the company to whom I did not approve the total amount of {$190.00}, this is unheard of. I have been with this bank for quite some time, I am a XXXX XXXX XXXX XXXX Veteran on a Social Security Fixed Income and they are going to stab me in the back for something I did not approved and disputed. I've sent PNC BANK information regarding this matter and including a copy of a product from this company that I absolutely refused and was sent back to the company ( copy enclosed ). Please help, I have been with this Bank for quite sometime and for them to treat me like this, I may have to close this account and go elsewhere where I can be respected and not be treated like I was lying.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-09 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: IL

Complaint narrative:
Ensuring punctual payments, I have never experienced delays on this account. I'm unsure why there are indications of late payment remarks on my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit 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: Synovus Bank
State: CA

Complaint narrative:
I am writing to bring to your attention a series of concerning events involving unauthorized transactions and improper handling of my account by First Progress. The details of the incidents are outlined as follows : On XX/XX/XXXX, an unauthorized payment of {$540.00} was made to my First progress account ending in XXXX from XXXXXXXX XXXX  XXXX XXXX. The fraudulent account in question ended in XXXX, with a routing number of XXXX and reference payment number XXXX. 
Subsequently, on XX/XX/XXXX, First Progress charged a {$540.00} reversal fee along with a {$30.00} return check fee without contacting me about the matter. 
On XX/XX/XXXX, upon noticing the unauthorized payment on my credit card statement, I immediately contacted First Progress to dispute the payment transaction and reported it as fraud. I spoke with XXXX, employee ID XXXX, during this initial communication. 
Following my report, I was assured that there would be a FRAUD investigation into the matter and a new card would be issued to replace the compromised one. 
During the fraud investigation, First Progress forwarded fraudulent information regarding my credit history payment to the credit reporting agencies, impacting my credit standing.

Further investigation revealed that First Progress indeed issued a new card account ending in XXXX on XX/XX/XXXX. This card was not activated by me. First Progress closed it on XX/XX/XXXX. However, during this period, I was charged an additional {$41.00} in late fee and my {$500.00} in secured deposit to open my card was taken from my account without proper explanation. Also, I was advised to pay the {$71.00} to activate and use the new card. 
Additionally, First Progress updated my closed account ending in XXXX with a previous balance of {$71.00} to the new credit card account ending in XXXX that was not yet activated to new a balance of {$110.00}. This action attributed to the increase of the account being 90 days past due and justifying a new late fee of {$41.00}. 
It is worth noting that these updates were made while the account was reported as closed on my credit reports, indicating a discrepancy in reporting practices. First Progress did not notify the Credit agencies XXXX, XXXX or XXXX of reported fraud on my account. 
In conclusion, I am deeply concerned about the handling of my account by First Progress. The unauthorized transactions, improper fees, and discrepancies in reporting raise serious questions about the integrity and fairness of their business practices. I feel that my best interests have not been adequately protected throughout this process, and I am disappointed by the lack of proactive communication and resolution from First Progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: TX

Complaint narrative:
XXXX " Wind Insurance '' with an annual premium of {$4500.00} has been charged by Valon Mortgage multiple times, causing a shortage in the escrow account and has now raised my monthly payment by nearly XXXX XXXXXXXX to cover the shortage. 

However, I have shown multiple times that my dwelling is already covered for wind damage through my homeowner 's insurance policy with XXXX XXXX and the Master Condo Policy through the HOA from XXXX XXXX XXXX. 

Lender will not accept these coverages, or states the master policy is only Liability and not Hazard, even though the XXXX XXXX Policy covers for hazard, and continues to charge an extremely high annual premium for " Wind Insurance '', causing a significant financial hardship. 

I have asked to remove the escrow account and switch to principal and interest payment, but the lender, Valon Mortgage, will not release the escrow because it is currently in shortage, a shortage which has been caused by their incompetence and frivolous insurance premium charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX acct. ending in XXXX Each disputed account the debt has been deem uncollectible. Each disputed account is past the statute of limitations. Each company has issued a form 1099c. There are court cases that have ruled it is unfair to continue to report to a credit report after these actions have taken place. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX it would be inequitable to require that ( Defendant ) report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) holding that it is inequitable to allow a creditor to belatedly enforce the alleged debt after it received the tax benefit of the charge off XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( issuance of form 1099c after debt was written off is " XXXX XXXX evidence '' that debt had been discharged by creditor, sufficient to create an issue of fact XXXX  acct. XXXX XXXX XXXX XXXX XXXX XXXX  was was deleted XX/XX/XXXX through CFPB complaint XXXX. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

*NO payment history reporting *No high balance reporting. 
Date of last activity reporting different for XXXX and Equifax Last payment reporting different for XXXX and Equifax. 

XXXX XXXX XXXX*** Payment history reporting inaccurate. No on time payments reporting. Missing data for XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. 

XXXX acct ending in XXXX Ive submitted a tax fraud case online against XXXX bank with the IRS. Reference number XXXX. 

The acct is reporting inaccurate payment history. Many missing months of no reporting data. 

I hereby demand that you immediately delete these items from my credit report in order to avoid legal action. I am submitting this complaint to the Attorney Generals Office, and the XXXX.

Company response to consumer: Closed with non-monetary relief