vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 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: DC

Complaint narrative:
I am writing to report an issue with XXXX, XXXX XXXX and Experian regarding verification on an inaccurate account on my credit report. I would like to request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in resolving this matter promptly and accurately. I have been correcting information on my credit report from XXXX, XXXX XXXX and Experian. I discovered two account that has been inaccurately reported. The account in question belongs to XXXX XXXX XXXX XXXX and XXXX XXXX, and it is listed as incorrect balance as a charge-off in the amount {$300.00} and the {$670.00}. I sent letters to the furnisher to request verification on the account and was unsuccessful on this situation. 

I sent a letters requesting the furnisher to verify my information on the account since I have been a victim of Identity theft in the past. Neither of the furnisher has supplied me information on this account as a consumer. In additionally, I have submitted a dispute letters with XXXX, XXXX XXXX and Experian, with supporting documentation of inaccurate account removed from my credit report. I have attached documentation on relevant dispute. I have not received any documentation from XXXX in regards to this inaccurate information on my credit file. This adversely affects my credit score and ability to secure credit when needed. I am concerned that this inaccurate information may continue to harm my financial standing if not addressed promptly.

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 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I received a letter on XX/XX/2023 stating that my PNC checking account was closed. They closed my account due to an unknown reason, as I did not request the account closure. My account had a balance of {$500.00} at the time of closure. The letter stated that any remaining balance would be mailed to me as a cashier 's check. However, I never received the check. I called PNC and was told the {$500.00} was sent to the unclaimed property department and to check on the Illinois treasurer website to file a claim to receive my funds. Upon checking the website, I was unable to find the {$500.00}. I sent a letter to the Illinois treasurer explaining that PNC sent {$500.00} from a closed checking account to the claims department. I received a letter back from the Illinois treasurer in XX/XX/2023 stating they never received the money and do not have it. I went to the XXXX, IL PNC location on XX/XX/2023 to see if I could finally resolve the issue. The employer who attempted to help me made multiple calls to different departments and wasn't able to find a solution. She gave me a number to call and leave a voicemail, so they could call me back and sent me on my way. I called the number, which stated to leave a voicemail explaining my situation, and they would call me back within 2 business days. However, the voicemail box is completely full, so I'm unable to leave a message. I'm not sure what to do at this point ; I'd just like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
When I spoke to the bank, I was told that XX/XX/XXXX there was a transfer from another member to member bank account with Navy Federal for {$4500.00} and I have spoke to the bank three times today was the last time I spoke to the bank and I was told that even though I gave them documentation proof from my cash app statements that no money of XXXX was took out of my bank card into XXXX XXXX that I would still have to pay it even though it showed no proof of me taking money out of my bank that day especially not {$4500.00} because I didnt even have a job at the time Im XXXX years old so I definitely dont know how I wouldnt even got that money I was told that after the transfer was made into my account, it was took out and put into XXXX XXXX. Thats why I showed them my statements from the entire month of XXXX. After speaking to them all three of these times, Im still told that I have to pay for this and Im not even sure where the money went or how it got in there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
They keep issuing me new accounts without closing previous accounts that were the problematic one and resulting in still having charges to both accounts!!! FRAUD!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear XXXX, I am writing to express my dissatisfaction with the XXXX services and to request your assistance with my account issue. 

I have been trying to log in to my XXXX XXXX account for several years, but I have been unable to do so. Every time I enter my username and password, I get an error message saying that my account is locked. I have not received any explanation or notification from XXXX about why my account is locked or how to unlock it. 

This is very frustrating and inconvenient for me, as I need to access my account to check the status of my claim, certify for benefits, and update my information. I am worried that I might miss important deadlines or payments because of this issue. 

I request that you please unlock my account as soon as possible and provide me with any information on my account that I might have missed. I also request that you please investigate the cause of this issue and prevent it from happening again in the future. 

I appreciate your prompt response and cooperation. You can contact me at ( XXXX XXXX XXXX ) or ( XXXX ) if you need any additional information from 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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have tried multiple times to get a copy of credit report from all three bureaus by letter and over then phone. Bureaus continue to say that report will arrive within 7-10 business days and nothing comes in. I continue getting stall letters in the mail stating that bureaus are needing verification of identity. I have submitted copy of consular card, ITIN number and energy bill to verify address and identity. I have verified identity with these documents and they are not providing credit report. I have the right to a free copy of credit report by 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 non-monetary relief
Consumer complaint received 2023-09-06 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: FL

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have tried multiple times to get a copy of credit report from all three bureaus by letter and over then phone. Bureaus continue to say that report will arrive within 7-10 business days and nothing comes in. I continue getting stall letters in the mail stating that bureaus are needing verification of identity. I have submitted copy of consular card, ITIN number and energy bill to verify address and identity. I have verified identity with these documents and they are not providing credit report. I have the right to a free copy of credit report by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have tried multiple times to get a copy of credit report from all three bureaus by letter and over then phone. Bureaus continue to say that report will arrive within XXXX business days and nothing comes in. I continue getting stall letters in the mail stating that bureaus are needing verification of identity. I have submitted copy of consular card, ITIN number and energy bill to verify address and identity. I have verified identity with these documents and they are not providing credit report. I have the right to a free copy of credit report by 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 non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XXXX XXXX I applied in good faith for vehicle financing at XXXX of XXXX car dealership. One of the banks that denied me was Ally Bank. I the consumer and natural person was denied credit by Ally Bank when I applied for a vehicle. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Opportunity Act which is codified in 15 U.S.C 1692 ( c ) and is pursuant to civil liability under 15 U.S.C 1692 ( k ).

Ally Bank is subject to criminal liability for violating 15 U.S.C 1691 as I have proof I was discriminated against by Ally Bank due to the response I received.

Ally Bank is in violation of 15 U.S.C 1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer made an application in good faith and credit was not issued.

Furthermore because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Ally Bank. The social security card is NOT an identifying document. The Credit Reporting Agencies are private companies that are not government affiliated.

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 2023-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My names XXXX XXXX, and today my husband received a phone call from a debt calculator regarding me. I do not own any debts. The person had all my information even the last 4 of my ssn # and she was talking with my husband about it. She stated that she was calling from Orchard Bank that now is a Capitol one household bank. She give him an amount of {$2000.00} and to pay of somewhere in {$1800.00}. That they mail me a letter on XXXX, XXXX of this year and that I need to pay it off. I do not have any credit cards with this bank, nor I do not own any debts. Dont know where they got my information from. They number the person called was XXXX. I googled it and there is plenty of complaints about that number that they are scamming people. She give the name XXXX XXXX. She even give my XXXX  an account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX C/O Early Warning XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Dear Sirs : I have received a copy of my Consumer Report. There has been erroneous information being reported to Early Warning by Chase Bank. 
Contributor : XXXX XXXX XXXX Name : XXXX XXXX XXXX ID # : XXXX SSN/Tax ID # : Phone : XXXX Address : XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX of XXXX : XX/XX/XXXX Bank XXXX # : XXXX Account # : XXXX Incident Date : XX/XX/XXXX Principal Loss : {$460.00} Paid/UnPaid/Settled : Unpaid Contribution Reason : Account Abuse Contributor : XXXX XXXX XXXX Name : XXXX XXXX XXXX ID # : XXXX XXXX ID # : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX XXXX Date of Birth : XX/XX/XXXX Bank Routing # : XXXX Account XXXX : XXXX Incident Date : XX/XX/XXXX Principal Loss : {$470.00} Paid/UnPaid/Settled : Unpaid Contribution Reason : Account Abuse These dates of incident aren't true. Please remove this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/2023 RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX, Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX, Tennessee XXXX Sincerely, XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
We've responsibly managed a credit line of {$20000.00} with Synchrony MasterCard for years. On XX/XX/XXXX, our house was struck by lightning causing extensive fire damage to our attic. On Wednesday, XX/XX/XXXX, we initiated an " early '' payment to Synchrony of {$11000.00} to free up spending on our credit card for extensive repairs while awaiting reimbursement from our insurance company. Despite Synchrony withdrawing the {$11000.00} from our checking account on Friday, XX/XX/XXXX, they suspended any use of our credit line ( even declining a {$2.00} autopayment to XXXX ) until Thursday, XX/XX/XXXX, at which time Synchrony only restored our credit line to {$7100.00}. Multiple attempts to communicate with Synchrony 's Corporate officers ( and XXXX 's XXXX who promotes this card to its members ) by phone, fax, and email have been unsuccessful and in reviewing comments on Synchrony 's XXXX page, it sounds like this is not an isolated incident.

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 2023-09-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAD A VEHICLE THAT I HAD GOTTEN FROM XXXX XXXX, AND THEY MADE A CREDIT SALE TO XXXXXXXX XXXX, SO FIRST OF ALL THE ACCOUNT THAT THEY ARE REPORTING IS AN INSTALLMENT LOAN WHICH IS FACTUALLY INCORRECT. THE ACTUAL ACCOUNT IS A CREDIT SALE AGREEMENT. I HAVE THE RIGHT TO A FACTUAL CREDIT FILE AND DISCREPANCIES LIKE THIS ARE UNEXPECTABLE PLEASE REMOVE IMMEDIATELY, AS WELL AS I GAVE NO WRITTEN CONSENT FOR XXXX XXXX TO FURNISH AND VIOLATE MY RIGHTS AND CREDIT FILE, I HAVE THE RIGHT TO PRIVACY, IN THE LAW. 15U.S.C 1681 SECTION 602, ALSO IN 15 U.S.C 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION TO IS INACCURATE, SO I WOULD LIKE THIS ACCOUNT REMOVED IMMEDIATELY. 
LASTLY XXXX XXXX  HAS CHARGED ME AND STILL REPORTING LATE PAYMENTS AFTER THE CAR WAS REPOSSESSED, I HAVE AN EMAIL FROM THEM STATING THAT THE MONTH AFTER THEY TOOK THE VEHICLE THAT INSTEAD OF CHARGING MYSELF THE LATE AMOUNT REPORTED THAT THEY WERE GOING TO CHARGE ME 5 MONTHS WORTH OF PAYMENTS TO GET THE VEHICLE BACK THIS IS ILLEGAL AND I HAVE THE RIGHT TO ACCURATE CREDIT FILE AND DISCREPANCIES AS WELL AS ILLEGAL BUSINESS LIKE THIS UNEXCEPTABLE, PLEASE REMOVE THIS ACCOUNT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Most of the inaccuracies and inconsistencies with Nelnet have been resolved at this time. However, there are still unexplained inaccuracies on two of my loans. This is on my two XXXX XXXX loans ( XXXX XXXX  and XXXX ). These loans are eligible for a 6 month grace period from my time of graduation from Graduate school. I Graduated on XX/XX/XXXX and thus these loans should have a six month grace period to XX/XX/XXXX with a first time payment due of XX/XX/XXXX. Nelnet informed me that these loans were actually not eligible for a 6 month grace period but were eligible for a 6 month forbearance period if I applied for 6 month forbearance. Nelnet informed me that they would apply for me and that this change would be made for me. Nothing happened. I recalled and they reapplied for me. Nothing happened. I called again and I was informed that the prior two times they forgot to send me an in school deferment request form that I needed to fill out and send back to them. I filled out the form and sent it back to them. They received it and responded saying that it had been approved for loan XXXX. However, no changes were made and my first payment due date is still in XXXX. Furthermore, the response didn't even mention loan AE. 

I would like to provide a little history as well. I have spent 8-12 hours on the phone with Nelnet across 8-10 phone calls over the past 4 months. I am currently unable to reach Nelnet as they state that their phone service is down. This has been the case multiple times. I am tired of Nelnet 's inability to provide answers, their lack of phone support, and the inaccuracies that they have had handling my loans. They continuously delay by stating that my request will take a week to process and then they do not make the change and do not follow up with any explanation.

This has been a 4 month process with minimal progress. My first payment due date is approaching and I would like to have a proper explanation for why the changes have not been made. But most of all I would like Nelnet to honor the 6 month grace period that these loans are eligible for. It has proved impossible to contact Nelnet as 50 % of the time their phone service is down and when it is not I spend hours on hold waiting to talk to a representative who usually does not have answers for me and always says the changes will take ~week to happen ( but they never do ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: TX

Complaint narrative:
Please see the attached release form and remove the account XXXX XXXX XXXX from my credit report. This will be my last attempt at fixing this error. XXXX has since removed this account. I am requesting that you follow suit and delete this account immediately.

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