vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 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:
On XX/XX/XXXX, I sent a written request to Experian Credit Solutions informing them of two accounts reporting incorrect information on my credit report. I attached to the letter, a copy of my report and detailed the information that was incorrect on both accounts. Specifically, both XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) are employing the commonly used tactic of " re-aging '' collection accounts to circumvent the FCRA and allow the account to be reported for more than seven ( 7 ) years. I notified Experian of this illegal tactic and instead of actually conducting an investigation into the accounts, Experian used an algorithm-based investigation and generated an automatic decision showing the accounts as " Verified and Updated. '' However, the collection agency did not provide the information requested nor did they update any incorrect information. The collection agency simply re-submitted identical information ( still incorrect ), provided no supporting documents, and Experian validated the information. This is completely unacceptable. For consumers to trust and rely upon the Credit Bureaus, the Bureau has a duty to objectively investigate consumer disputes. Experian conducted NO investigation and simply verified inaccurate 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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am refiling this complaint to EXPERIAN there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States 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 instruction. 
I have also attached my FTC report with the report number 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 2024-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XX/XX/XXXX - purchased son 's bed mattress from Ashley Furniture in XXXX, Indiana XXXX for a total of {$850.00}. I chose the promotional financing for six months with no interest from Synchrony Bank. I applied for the card and was immediately approved and a card was sent to my address. 
Somewhere between XX/XX/XXXX - XX/XX/XXXX - My mail was stolen from my mailbox. I filed a police report with XXXX Police Report and spoke with the XXXX and confirmed that there were reports of mail theft. After investigation, I determined that my new passport, XXXX registration, letter from nephew in military, and new Ashley furniture card were stolen. I even purchased a locked mail box to prevent any further mail theft. From XXXX, I can confirm the passport was stolen on XX/XX/XXXX. 
XX/XX/XXXX - I noticed unauthorized/fraudulent purchases on my account and reported this to Synchrony Bank and they removed the purchases and sent me a new card and were going to investigate the fraud. 
XX/XX/XXXX- received an email/letter denying my fraud claim because they believed the items were shipped to my home despite ever requesting any more information such as police report or giving me information on these fraudulent purchases. 
XX/XX/XXXX- Synchrony Bank reopened the fraud investigation. Called for more information which detailed letter and attachments including police report, photos of my home, photos of where XXXX delivered fraudulent purchases to, receipt of actual purchases, receipt of locked mail box were sent to the fraud investigation by mail and fax. 
On or about XX/XX/XXXX - After receiving all this information, Synchrony Bank denies the fraud claim again and fraudulent purchases are added back on account. 
On or about XX/XX/XXXX - pay off entire account including fraudulent purchases. Due to Synchrony Bank 's inaccurate and false conclusion related to fraud, do not want to pay/spend another dime with them. 
On XX/XX/XXXX, I call synchrony bank to close account.

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
Destiny has reported a couple of recent lates and once again it is not due to nonpayment. I am attaching statements and bank records to show all minimum payments reflected on statements were paid on time. Payments were set to auto for the minimum monthly payment, which has been {$40.00} per statement. I made those payments on XX/XX/XXXX for XXXX statement, XX/XX/XXXX for XXXX and XXXX is not due until XX/XX/XXXX but I was recently reported late for XXXX ( as well as XXXX ). I also have an uncredited retry payment on XX/XX/XXXX for {$40.00} dollars that is also attached here. 

I am also noticing, large late fees, overlimit fees ( due to the late fees ) when I am not late. Also, payments of {$80.00} are routinely ( about 8 times so far ) being attempted to be taken out as well as amounts of XXXX, XXXX and XXXX as well as XXXX. None of these have been authorized by me. The only payments allowed is the minimum due on due date and every month this is XXXX dollars per statement. I consider these others fraudulent attempts. If more is due, then the minimum amount due on the statements should reflect that. 

I expect these derogatory credit reporting 's ( XXXX, and XXXX ) to be removed the XX/XX/XXXXXXXX XXXX  retry to be credited and updated to pay as agrees and a review of the late fees and over limit fees as well. Your website states I am late and I am not. XXXX isn't due yet. I will be reporting this to CFPB and XXXX  as well. 

Thank you for your prompt attention. This is not the first time this has happened and I believe your processes need to be reviewed. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> @ XXXX XXXX I reached out to cash app because my account was immediately logged out. I had my debit card linked to my account and I had a cash app balance of {$170.00} it could a little less but I know for sure XXXX XXXXXXXX in my account. I went to login and receive the code it requested and tried to sign in to my already made and verfied account it then asks me to create a brand new account with signing up all over again They attempted to help me recover my account- ( Why try to help if my account was closed that was completely a waste of time ) So I took the steps given and tried It didn't work. So they asked in order to regain access to provide my full legal name my current cash tag and previous cash tag phone/email linked to my account and which account I would like to use. I provided them the information. then their Advocate told me they will attempt to grant access to my account if successful I will be able to access in the process of doing this all and re verify my identity again. The advocate then says to me that they legally required to maintain transaction records and account information and that all information is encrypted and stored on their servers and says that my account was closed at XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX but my new account that I created under my same email used for my previous account that I can continue using to send and receive payments. I explained I had money on my account they made verify my identity AGAIN! I did I followed the steps. at this point the verification is not even working it took my id front and back and my selfie but wouldn't allow me to continue the next steps. Then the Advocate goes to say I can confirm you that there isn't any balance on my account that they closed!!! I asked where is my money. I gave them all the last transactions I used and what they were used for then I asked if they can confirm if any other devices were logged into my account they asked to verify my identity again and again I am now to the point angry!!!! They won't tell me where my money is now which is NOW been stolen from whom - I have no idea they won't provide any other information but keep saying read terms and conditions!!!! I am not understanding why Cash app is not providing me information if I did what they asked of also they said to me that my request to access my funds WASN'T APPROVED!!!!! after the advocate just said there was no funds on my account now it wasn't approved. I have been crying out for help! they won't help me or release my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX  cancelled a wire that I made last XX/XX/XXXX. I opened a wire recall case with chase and XXXX respond with this " ATTENTION INVESTIGATIONS DEPARTMENT,. IN RESPONSE TO YOUR REQUEST REGARDING ORIGINAL PAYMENT DETAILS. THE RETURN IS BELONGS TO BELOW ORIGINAL PAYMENT. SENDER REFERENCE XXXX TRANSACTION REFERENCE XXXX AMOUNT XXXX VALUE DATE XXXX IN REFERENCE XXXX RELATED REFERENCE IBH OF XX/XX/XXXX. PLEASE NOTE THAT DUE TO YOUR LACK OF RESPONSE TO OUR PREVIOUS XXXX MESSAGES THE ABOVE REFERENCED PAYMENT HAS BEEN CANCELLED AND THE PAYMENT WILL BE CONSIDERED AS NULL AND VOID AND FUNDS WERE RETURNED TO YOURSELF UNDER OUR REFERENCE XXXX FOR AMOUNT XXXXAND WITH VALUE DATE XXXX PLEASE QUOTE OUR REFERENCE XXXX ON ALL FUTURE CORRESPONDENCE REGARDING THIS MATTER. REGARDS, XXXX GLOBAL INVESTIGATIONS OUR XXXX '' They keep sending the same message to chase and chase is not able to refund the money back to my account. Its been over a month and XXXX employees are not reading the messages properly and kept insisting the wire was null and void. XXXX should have been back to my account last year and this is all very stressful to deal with this bank. I also wasted at least XXXX hours calling and following up with chase and most of their employees are giving me different answers. 

Its either Chase is not doing their job properly with XXXX bank, or XXXX employees are not doing their job. It should have been an easy fix since the wire was void in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: PNC Bank N.A.
State: NY

Complaint narrative:
This bank should be shut down. I started a dispute process back in XX/XX/2023 regarding fradulent charges of XXXX on my card and filed a complaint with CFPB. I went back and forth with them. They issued me a credit on XX/XX/XXXX of {$39.00} and reversed it on XX/XX/XXXX. Now i have an overdraft in the amount of XXXX dollars and some change. This bank is defunct based on the amount of complaints filed against it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I had accounts with PNC, XXXX, AND XXXX BANK. They just closed my accounts because I asked for larger amounts to deposit into investments elsewhere than the banks. They had suspicious reactions that I was being scam or otherwise. I am not involved in anything. 

I was suspended and found out just by trying to use my debit card. I had over {$170000.00} in my bank accounts from a home sale left over after investing {$150000.00}. 

I felt like I was treated like a criminal. I am a responsible XXXX who has never been in trouble before. 

They did give me my money back in a cashier 's check. 

I just want the government out of my business affairs. Please file charges on all three banks with the SEC and FDIC. Besides filing charges against all the banks for me. 

PNC, early 2023. 
XXXX in XX/XX/2023. 
XXXX XXXX XX/XX/2023 I was put on XXXX reporting. Please sue all. I had the hardest time finding a new bank. 

Cordially, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CITIBANK is holding my XXXX XXXXXXXX and haven't returned my wire that they voided. 

CITIBANK cancelled a wire that I made last XX/XX/XXXX. I opened a wire recall case with XXXX and CITIBANK respond with this " ATTENTION INVESTIGATIONS DEPARTMENT,. IN RESPONSE TO YOUR REQUEST REGARDING ORIGINAL PAYMENT DETAILS. THE RETURN IS BELONGS TO BELOW ORIGINAL PAYMENT. SENDER REFERENCE XXXX TRANSACTION REFERENCE XXXX AMOUNT XXXX VALUE DATE XXXX IN REFERENCE XXXX RELATED REFERENCE XXXX OF XX/XX/XXXX. PLEASE NOTE THAT DUE TO YOUR LACK OF RESPONSE TO OUR PREVIOUS XXXX MESSAGES THE ABOVE REFERENCED PAYMENT HAS BEEN CANCELLED AND THE PAYMENT WILL BE CONSIDERED AS NULL AND VOID AND FUNDS WERE RETURNED TO YOURSELF UNDER OUR REFERENCE XXXX FOR AMOUNT XXXX WITH VALUE DATE XXXX PLEASE QUOTE OUR REFERENCE XXXX ON ALL FUTURE CORRESPONDENCE REGARDING THIS MATTER. REGARDS, CITIBANK GLOBAL INVESTIGATIONS OUR XXXX '' They keep sending the same message to XXXX and XXXX is not able to refund the money back to my account. Its been over a month and CITIBANK employees are not reading the messages properly and kept insisting the wire was null and void. XXXX should have been back to my account last year and this is all very stressful to deal with this bank. I also wasted at least 6 hours calling and following up with XXXX and most of their employees are giving me different answers. Its either XXXX is not doing their job properly with CITI bank, or CITI employees are not doing their job. It should have been an easy fix since the wire was void in the first place.

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 2024-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-22 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: Nelnet, Inc.
State: VA

Complaint narrative:
My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information. Please also refer to 20 USC 1232g ( b ) on student rights pertaining to privacy. the reporting of my balance and payment information relevant to my student loan accounts is a violation of my privacy which I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OK

Complaint narrative:
Mohela has been servicing my loan and they have mishandled a very large payment that my employer sent them. I signed a contract with my employer to keep working for them for a number of years to make a large sum payment to my loan. I work for the federal government ( USDA ), and they sent a check that was never applied to my loan. I was on the phone 4-5 different times to follow up on where the money was because my employer said the check had been cashed, but never applied. The check was sent in XXXX, and I have provided the follow up asking where the money was and no responses ever to the written messages. And on the phone the provider said they were just backlogged with work. I received a message from my employer saying the funds were returned to them this XXXX. I have called the loan servicing provider 10+ times over the course of the last 2 weeks and can not get ahold of a live person to discuss why they were never applied like I was assured they would be. 
I have attached supporting screen shots reflecting correspondence on this issue. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
Said interest rate would be lower if I borrowed more and it wasnt true I paid on the loan and it wasnt going down

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
MOHELA 's portal shows that my XX/XX/2023 payment period is ineligible for PSLF because " Deferment or forbearance exists this period. '' However, the deferment and forbearance during this period was eligible for PSLF credits per Department of Education guidance due to MOHELA 's own billing issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation