vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Dear Consumer Finance Protection Bureau, I am writing to file a complaint about my checking account with PNC Bank. Since XX/XX/XXXX, my account has been subject to a legal hold, which has prevented me from using it in any way. Despite this, PNC Bank has continued to charge a monthly service fee of {$7.00}, leaving me unable to close the account or access my funds. I believe that this is unfair and unjustified, as I have no control over the legal hold or my account balance. 

I have requested that PNC Bank refund the fees that I have paid for the past year and suspend future service fees, but they have refused to do so. As of XX/XX/XXXX, my account balance is {$240.00}, but PNC Bank continues to deduct {$7.00} per month, leaving me concerned about what will happen once my balance is depleted. Will PNC Bank begin charging me overdraft fees? 

I am disappointed that PNC Bank has not been more responsive to my concerns and that I am being forced to pay for a service I can not use. I believe that my account is being held hostage and that PNC Bank is unfairly benefiting from my financial hardship. Therefore, I would like to request that the fees for my account be waived, and that any future fees be suspended until the legal hold is resolved. 

I have included my account statements and chat transcripts with PNC Bank as evidence, and I would appreciate your assistance in resolving this issue. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-29 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I've been trying to remove a charge off account as soon as I turned XXXX and was able to look at my credit report. This account was supposedly opened in XXXX of XXXX, but I was a minor as I was XXXX XXXX XXXX. I didn't open this account and after months of disputes It has become increasingly hard to have this removed from all of my credit reports. My credit is terrible and I'm even having trouble just trying to get a secured card. Please I'm at a loss of where I can continue from here, I really need some help. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: NY

Complaint narrative:
Per NYS law, paid collections over 5 years old must be deleted, and the credit bureaus are not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XX/XX/XXXX or XX/XX/XXXX of 2023 I went to a time share presentation with Wyndham. They asked for my social just to make sure I could watch the presentation is what I was told. Yesterday, XX/XX/XXXX I received a notice from XXXX  and XXXX XXXX that I was signed up for a new credit card for XXXX with wyndham and it dropped my credit score. I never signed up for a new card. I reached out to wyndham over the phone and they said I did not have a record of that. I did some research online and there are loads of incidents of this exact thing occurring. This is fradulent activity and I did not sign up for a credit card and now my credit score has significantly dropped and I have no way of fixing this.

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 2023-04-29 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-04-29 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I had perfect credit with only on account with a 30 day late ever and I went to check my score with XXXX and I think my vindictive ex-wife XXXX that I had removed from my report, reported me as deceased because I had her removed as my wife from my report. I looked into it and in order to legally inform creditors of a person being deceased they must send in a certified copy of my death certificate and since I am alive that would be impossible. I am requesting that it be immediately corrected by my creditors or I will sue under the fair credit reporting act. I understand that evil people can do these things but the safeguards of the Act must be complied with to protect consumers so they are not burdened by these measures. Since of course a creditor would not do this deliberately without an adversarial person making the illegal disclosure, I am willing to waive my claim against them as long as my credit score is returned to where it was before the false reporting of my death. 

/s/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 2023-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/23 Amount XXXX atm withdrawal at a gas station in area that I have never gone to. 
closed card and received new one. 
XX/XX/23 Amount XXXX atm withdrawal at nail salon on same block, also I never have gone to this establishment. 
XX/XX/23 Amount XXXX atm withdrawal at same gas station that I do not use Closed card again changed pin at this time. 
XX/XX/23 Amount XXXX atm withdrawal at pizza place in same block as other 3 charges. 
Closed my checking account on XX/XX/23 Bank of America is denying all claims essentially saying I gave my card to someone which I did not do. What recourse do I have? They will be withdrawing all monies from my account soon, a total of 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 2023-04-29 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXXXXXX ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Cloarly atates that 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 an account without my written instructions.

16 U.S.C 1666B : A creditor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account Immadiately as you are in direct Violation of several lawe under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: NY

Complaint narrative:
Per NYS law, paid collections over 5 years old must be deleted, and the credit bureaus are not following the law.

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 2023-04-29 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: CBC Companies, Inc.
State: OH

Complaint narrative:
The account for an auto loan with XXXX XXXX XXXX XXXX is reporting as a negative account with Innovis, but reporting current and never late with XXXX, XXXX and with the bank itself. Why is Innovis continuing to cause me to suffer by not properly verifying data as requested to insure that it is correct? This has had a major effect on my ability to obtain the credit that I need, due to Innovis lack of conducting proper investigations. Under 15 U.S. Code 1681i- it states that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation. This is the only reporting agency that continues to report this account as negative. Why?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: MS

Complaint narrative:
I called the number on my XXXX account 3rd party debt collection. Told the representative this account wasnt mine and that I have no knowledge of this debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: Nelnet, Inc.
State: PA

Complaint narrative:
My Federal student loans were being serviced by Great Lakes which was recently bought out by Nelnet. Great lakes had a very user friendly website allowing us to set up repayments in many ways and was very user friendly. Nelnet informed us that our current auto debit settings would be stopped and we would have to login and set up our account with them. As soon as I got the information ( XX/XX/2023 ), I logged in today and set up my account but they would not give me an option to start auto payments for 5 months ( XX/XX/2023 ) and did not have an option to pay more than the minimum amount due. The fine print on the website stated that we could may more to pay off our loan more quickly at our request but since there was no place to do it online, I called their phone number. I explained to the representative that for years I've had auto debit set up even through the federal loan forbearance period and I've been paying a few XXXX dollars more per month to reduce the loan burden. The auto payment system works best for me since I own and run a small business, have two small kids, and don't want to drown in debt until I'm retirement age or accidently forget and miss a payment. The customer service rep said there is no way to set up auto payment to start sooner or to set it up at paying a higher rate, I would just have to go on their website each month to make a higher payment. It doesn't make sense and just seems like this new loan servicer is trying to prolong people 's debt avoid accepting payments which interest rates are deferred, and increase risk of people missing payments. I then tried to go on and just schedule payments out until the auto payment could start but it would only let me schedule 1 payment out over the next month and nothing else. I believe this bank is taking advantage of me as a consumer, not giving proper information out, not allowing best banking practices, and shouldn't be allowed to service federal loans. Please help make this right or get me another loan servicing company that can help. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: TN

Complaint narrative:
i reported XXXX re-aging my account to transunion and requested that they remove the debt because according to consumer law " When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. '' transunion said they did an investigation and the re-aging dates were still on my account. 
as per the attachment transunion never did an investigation or made sure the debt was valid on their site. 

transunion let XXXX re-age my account for their persoanl gain. 

transunion complied with XXXX and since transunion gets paid by XXXX  to report both parties willfully conspired to deceive me and harm my credit for their profit and gain.

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 2023-04-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted XXXX transunion and XXXX multiple times letting them know the account in collections from XXXX XXXX XXXX Original creditor : XXXX needs to be removed. It was satisfied and they agreed to remove the debt once satisfied. Years after resolution the negative trade line has yet 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 non-monetary relief
Consumer complaint received 2023-04-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted XXXX XXXX and Equifax multiple times letting them know the account in collections from XXXX XXXX XXXX Original creditor : XXXX needs to be removed. It was satisfied and they agreed to remove the debt once satisfied. Years after resolution the negative trade line has yet to be deleted.

Company response to consumer: Closed with explanation