vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In light of the recent/current lawsuit against XXXX XXXX XXXX I ask that my previous complaint be reopened and revisited. It is very much in line with what is going on now. 

It was their error that I was in the wrong loan category- they incorrectly put me in XXXX for my parent loans. I might have made a different choice in repayment type. They took that choice out of my hands. They predetermined where to put me - XXXX, which is not advantageous to me. 

It was impossible to figure out what loans I had ; customer service could never figure out my complicated loan history ; and then I would be barraged by incorrect email information that I could not overlook even tho I was getting verbal information that said otherwise because the website agreed with the emails. Let 's not forget what XXXX XXXX did doubledipping Grant money and loans- another story of deception. 

Now I'm about to go through this again when my loans go back into payment. I have no confidence that XXXX will be any better. It is also 100 % not fair that although I know repayment is coming, I can not be told the payment amount until sometime in XXXX with that payment due XX/XX/XXXX. No time whatsoever to plan and budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OH

Complaint narrative:
In XXXX of 2023 I opened a Chime account. Then on XX/XX/2023 I received an email stating that my account had been closed. The reason was my account failed to comply with the terms of the Deposit Account Agreement. 
I had initiated two transfers from my XXXX XXXX checking account to my Chime checking account. One transfer for {$200.00} and one for {$5000.00}. I have been trying since that time to get Chime to refund my money. 
I have called their support number and have emailed them multiple times. I have sent verification with a copy of my drivers license, a copy of my passport, copies of the emails from Chime stating the transfers had been initiated. I also sent an email explaining the situation and a copy of my XXXX XXXX stating that show the two transfers being made. 
They have sent me emails stating that they are waiting for their processor to provide a tracking number. This was on XX/XX/XXXX and I still haven't received a check or a tracking number. I also received a ticket number XXXX. Now on XX/XX/XXXX I received another email stating that I needed to provide valid documents verifying that the deposits had been made. I have already done that with my bank statement several times. They also state that for security reasons, Chime is unable to share mor information about the account closure. Basically it is the same runaround that they have given me for over two months. I would like to know what I can do to get them to refund my money. I have attached the documents I have provided Chime. I really don't know what other documents I can provide to Chime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: ALLIANT CREDIT UNION
State: CO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Act # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Unable to open a bank account with PNC, even though I was a longstanding member of said institution. Please, I would like to open an account and believe I am entitled to. I tried to open an account but was flagged due to XXXX XXXX XXXX I spoke to representatives of XXXX  and PNC and was informed that I would not be able to open a bank account for a reason unbeknownst to me. I am no longer able to have an account at any institution and believe I am entitled to at least XXXX. Please reach out and help me get this resolved. Consumer # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
Hello, I am experiencing identity theft, from someone using my identity in Texas for the following companies : XXXX XXXX and XXXX XXXX for the amount of {$890.00}. The Online Information Service is trying to collect the amount and it is showing in my credit reports. I am a resident of California and not with Texas. 
Appreciate your help. 

Thank you and Best Regards, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, 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: MN

Complaint narrative:
XXXX XXXX opened an account on XXXX XXXX XXXX, and has reported my information to the credit bureaus without my consent. XXXX is reporting inaccurate information on my report because of this information.

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 2023-07-26 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: TX

Complaint narrative:
XXXX XXXX XXXX : XXXX I asked all three credit bureaus on XXXX different occasions to verify the account listed on my credit report, and all three credit bureaus updated my report with verified. XX/XX/XXXX, XX/XX/XXXX. However it was not corrected. Under the fair credit reporting act : Agencies fail to follow guidelines for handling disputes. Creditors give reporting agencies inaccurate financial information about you. Credit reporting agencies are obliged to correct or delete inaccurate, incomplete, or unverifiable information. I have a right to dispute incomplete or inaccurate information in your report and provide the verification method. 

XXXX- is reporting the collection account as a collection, open date XX/XX/XXXX, last active date XX/XX/XXXX. 

Transunion- is reporting the collection account as a collection, last active date XX/XX/XXXX XXXX- Is reporting the collection account as open with a past due balance and balance, payment status Late XXXX days, open date XX/XX/XXXX. Date last active XX/XX/XXXX. 


Please delete all unverified collections 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 non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX : XXXX I asked all three credit bureaus on XXXX different occasions to verify the account listed on my credit report, and all three credit bureaus updated my report with verified. XX/XX/XXXX, XX/XX/XXXX. However it was not corrected. Under the fair credit reporting act : Agencies fail to follow guidelines for handling disputes. Creditors give reporting agencies inaccurate financial information about you. Credit reporting agencies are obliged to correct or delete inaccurate, incomplete, or unverifiable information. I have a right to dispute incomplete or inaccurate information in your report and provide the verification method. 

Experian- is reporting the collection account as a collection, open date XX/XX/XXXX, last active date XX/XX/XXXX. 

XXXX is reporting the collection account as a collection, last active date XX/XX/XXXX XXXX- Is reporting the collection account as open with a past due balance and balance, payment status Late XXXX  days, open date XX/XX/XXXX. Date last active XX/XX/XXXX. 


Please delete all unverified collections 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
Consumer complaint received 2023-07-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: FL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. We do not have a home or a vehicle because of these unfair practices. You are blocking me from providing shelter and food for my family and kids to survive. 

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: Self Financial Inc.
State: LA

Complaint narrative:
I was checking my credit. while logging into my account i discovered XXXX accounts that i did not open XXXX XXXX opened XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXXk XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX Written request to remove block/prompt Purposes showing. 
Also request XX/XX/2023 XX/XX/2023 to add my XXXX XXXX credit age account ending in XXXX for 7years/7 months to my report and credit age history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: TX

Complaint narrative:
I asked all three credit bureaus on three different occasions to verify the account listed on my credit report, and all three credit bureaus updated my report with verified. XXXX XXXX. However it was not corrected. Under the fair credit reporting act : Agencies fail to follow guidelines for handling disputes. Creditors give reporting agencies inaccurate financial information about you. Credit reporting agencies are obliged to correct or delete inaccurate, incomplete, or unverifiable information. I have a right to dispute incomplete or inaccurate information in your report and provide the verification method. 

XXXX- is reporting the collection account as a collection, open date XXXX last active date XXXX 

XXXX Is reporting the collection account as a collection, open date XX/XX/XXXX, last active date XX/XX/XXXX Equifax- Is reporting the collection account as open with a past due balance and balance, payment status Late 120 days, open date XXXX. Date last active XXXX 


Please delete all unverified collections immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with the accounts listed. I have not received validation for these accounts as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on XX/XX/2023. XXXX is saying the accounts XXXX and XXXX XXXX, and XXXX are my accounts I stated they were taken out frequently. I have asked for supporting documents to be mailed to me regarding the contract. They have failed to do so. XXXX came back stating XXXX XXXXXXXX, XXXX, and XXXX XXXX XXXX XXXX is mine these are fraudulent accounts I have asked for supporting documents they have failed to send them to me. Experian stated XXXX, XXXX are my accounts. They all have failed to submit the contract with my signature and current address. I did not take these loans out at all. They are in violation of FRCA Fair Credit Reporting Act code 15 U.S.C 1681 ( E ) and my privacy rights as a consumer. Please strike and remove these accounts from all XXXX credit bureaus until adequate validation has been received providing that the accounts belong to me and all information is correct.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a fraud alert on my credit reports, and I asked all three reporting agencies to remove the following inquiries that came in result of the fraud but up to now they have not, Here are the inquiries XXXX XXXX on XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX on XXXX, XXXX on XX/XX/23, XXXX on XX/XX/23, XXXX  XXXX on XX/XX/23, XXXX XXXX XX/XX/23, XXXX on XX/XX/23, XXXX on XX/XX/23, XXXX on XXXX XXXX, XXXX and Equifax continues to report this false information and I will have to invoice each one of the reporting agencies if they remove this false information ASAP. This my fourth attempt to protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a fraud alert on my credit reports, and I asked all three reporting agencies to remove the following inquiries that came in result of the fraud but up to now they have not, Here are the inquiries XXXX XXXX on XXXX, XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX on XXXX, XXXX on XX/XX/23, XXXX on XX/XX/23, XXXX XXXX on XX/XX/23, XXXX XXXX XX/XX/23, XXXX on XX/XX/23, XXXX  on XX/XX/23, XXXX on XXXX XXXX, Experian and XXXX continues to report this false information and I will have to invoice each one of the reporting agencies if they remove this false information ASAP. This my fourth attempt to protect my credit.

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 2023-07-26 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: TX

Complaint narrative:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2023-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A.

Complaint narrative:
I am XXXX and have an account at PNC Bank. I didn't choose this bank, but BBVA Bank migrated my checking and mortgage accounts. 

In XXXX of this year, I sold my residence in Florida and I am sending money from PNC Bank XXXX XXXX XXXX in XXXX. Out of the XXXX transactions I made, I succeeded only in the first XXXX. For the second one, I requested a refund to my account, and for the last XXXX XXXX and XXXX XXXX, I have been relentlessly trying to resolve the PNC Bank 's error. 

I have a joint account with my brother, who doesn't have a login or password and has never accessed the bank. I take care of the finances, and only I have access. For the last XXXX transactions, I requested the transfer in my name as the sender to my account in XXXX ( XXXX ). The simple receipt from PNC Bank states that I am the sender. However, at the time of the transaction, the document that arrives in XXXX shows my brother 's name as the sender. This prevents me from converting dollars to XXXX under the same ownership. To receive this money, I would have to declare it as a gift from my brother to me. This is not correct and would imply more taxes. So, the foreign exchange department of the bank in XXXX asked me to request a " XXXX XXXX '' amendment from PNC Bank. This is a simple document that would solve my problem. 

I have been asking the bank for help since XX/XX/XXXX. In fact, I pleaded for help because I need this money to pay for XXXX. What I received was XXXX email per day, just stalling, asking XXXX question per day. Today, they responded that they unfortunately can't help me. I just need them to please send a document stating that I was the sender. Could you please intervene on my behalf?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Lowes Credit Card. 
Back in XXXX XXXX XXXX I was late with a payment because I never received the bill. On XXXX XXXX XXXX  I called to see if they would waive the late fee of {$40.00} which they did. Since this date, the {$40.00} was never removed and it is accruing interest of {$2.00} each month. In XXXX XXXX XXXX, I called them and they refunded {$40.00} plus {$4.00} and then charged me another {$2.00} for XXXX and XXXX. I called again in XXXX and only refunded me {$2.00} on XX/XX/XXXX and charged me another {$2.00} on XX/XX/XXXX. On XX/XX/XXXX, I spoke with an account manager, XXXX who assured me this would be taken care instead they deducted the {$44.00} plus {$6.00}, and then re-added the {$44.00} on the same day I called and another {$2.00} on XX/XX/XXXX. In XXXX, I spoke with another account manager, XXXX, and also assured me that this error would be corrected. As of today, I received the XXXX statement and they deducted the {$44.00} plus {$2.00} but it is still being carried on my account summary and accruing interest. No interest and no late fee should be showing on my account summary nor should it be on the bill since they waived it in XXXX 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