vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Vehicle was purchased from Regional Acceptance Corporation in XX/XX/XXXX and sold to XXXX XXXX XXXX XXXX on XX/XX/XXXX, without every missing a payment, the same month the vehicle was sold and paid in full, I received a 30 day late, negatively impacting my credit report. Attached are documents from XXXX XXXX XXXX that were obtained while trading in the vehicle to them. 

REGIONAL ACCEPTANCE CORPORATION XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( fax ) ACCOUNT OPENED XX/XX/XXXX - CLOSED XX/XX/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 2023-07-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See report and delete account and fraudulent unauthorized inquiries

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 2023-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received a letter in the mail saying my account was closed, but I have never opened an account with Bank of America. The account was opened on XX/XX/2023 where they proceeded to do 19 XXXX transfers amounting to {$560.00}. Most of the funds were withdrawn and it is left with {$29.00}. I have contacted Bank of America to report this to the fraud department and declined to provide further identification as I do not feel comfortable with my valuable information. They have the incorrect email on file despite countless corrections. I called today XX/XX/2023 to inquire about the status and my claim has not been processed yet.

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 2023-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I am a divorced Massachusetts XXXX XXXX ( XXXX XXXX XXXX ) of 13 years and my ex- husband has also worked for 13 years in a XXXX XXXX XXXX XXXX XXXX When we got married in XXXX, we consolidated our loans into one loan through Navient. Around XXXX we refinanced that loan with Navient ( Navi-Refi ). We began with {$100000.00} combined student loan debt, and now, after 21 years ( 252 months ) of on-time payments, still owe $ XXXX. In XXXX of XXXX congress enacted the federal Joint Consolidated Loan Separation Act. That now allows my ex-wife and I an opportunity to separate our loan into two Federal Direct Loans, which will make us eligible ( again ) to apply 26 years of qualifying publi service and have the loans discharged through PSLF. As per guidance directly from the Department of Education, we have contacted our servicer, Navient, to request an Administrative Forbearance until the Dept of Ed devises a plan to separate these loans. However Navient refused to grant such a forbearance, and we are being told, erroneously, that because we refinanced our Spousal Consolidated Student Loan we will not be eligible to separate in accordance with the Joint Consolidated Loan Separation Act. The Department of Education has declared that it will include in its plan to enact this new law a provision for refinanced Joint Spousal Consolidated Student Loans. Navient is wrong and predatory. Please help us XXXX XXXX ( formerly XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-03 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received an email about a card being shipped out to me but I didnt order card. I called chase bank about the email and he basically said that it was system generated and everything is okay. Few days later I check my account and money was missing, I called the bank and filed a claim about the missing money. They credited me the money but took it back because they said the transaction was authorized and it resulted in my account being overdrawn. They wont give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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 2023-07-03 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: NV

Complaint narrative:
I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately!

I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate! 
I look forward to your written response confirming your compliance on this matter as well as an updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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: SC

Complaint narrative:
The following inquires are reporting on my credit report that I did not authorize. I need these removed immediately and permanently as it is hindering me from getting a house loan. 
I have attached the FTC report with The inquiries that need to be removed immediately as I did not make any of these inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: MI

Complaint narrative:
I had a few XXXX gift cards that each had a balance of {$200.00}. I attempted to use the gift cards at my local XXXX to purchase groceries on XX/XX/XXXX. The total for my purchase was {$91.00}. One gift card should have covered the entire amount, however, when I tried using any of the XXXX gift cards they were all declined. I double checked the balance of each of them and they were all {$200.00}. I tried running them as debit and as credit and all of them were declined. Interestingly, when I " split '' the purchase amount and told the machine to only charge {$50.00} on the gift card it worked. I could only use the gift cards for a purchase under a certain amount despite them having well over the {$91.00} that my groceries cost. This was the case with several of my gift cards, where I was unable to access the full amount. They were constantly getting declined and when I would call and ask them why they were getting declined they said that the gift cards couldnt be used at my local grocery store ... .. they offered to replace the cards, but as I indicated the cards worked fine if you made a purchase for XXXX or less of the amount that was actually on the card. I was being denied access to money that was mine and their answers werent solutions. Because this happened multiple times at multiple stores, including XXXX and XXXX, this felt like predatory behavior from them. 
I contacted the company on XX/XX/XXXX requesting a refund for remaining amount on each of the gift cards since I was unable to use the entire amount on the gift cards. I sent them all of the information they requested, this included pictures of my ID, pictures of the front and back of the gift cards and receipts evidencing the declined transactions. I emailed them XXXX month later to check the status of the case. They never responded. I called them at the end of XXXX and the customer service representative told me that he would mark the case as priority and I would hear back within 48 hours. A week later I still hadn't heard back so I called them and they told me that they didn't receive pictures of the gift cards in the initial email I sent. I could see on my end that all of the images included in that email had sent. Nevertheless, I resent them the pictures of the gift cards. I received an email back saying they could not refund me due to terms and conditions. I read through their terms and conditions and didn't read anywhere at all about them unable to process a refund. I emailed back asking them to be more specific about the terms and conditions and where I could find this information he was referring to. They emailed me back and told me the case was closed. I have been unable to get a timely response from them to update me on the status of my case and they have failed to inform me on several occasions why this case was never moved forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: IL

Complaint narrative:
On XX/XX/2023, I paid my Self credit card bill. On XX/XX/2023, my card was locked and I received an email stating During a routine review of your Self account we have determined that well need some further documentation from you in order to complete that review. Self required for me to send in a copy of my ID, social and bank statement in which I provided those things to them. On XX/XX/2023 I received another email stating After carefully reviewing your customer profile, we have decided to cancel your XXXX XXXX Account with XXXXXXXX XXXX XXXXXXXX I called self over 6 times during this process. No one could provide me with additional information. On XX/XX/2023, I received an email stating my credit card account was closed and Any remaining security deposit funds will be returned to your XXXX XXXX  Account if possible. If your XXXX XXXX Account is closed, or we are unable to move the fund to your XXXX XXXX Account, any remaining funds will be returned using the payout preference we have on file in approximately 14 calendar days. I called Self again to try to understand whats going on. No one can tell me anything or let me speak to a supervisor. On XX/XX/2023. I received a {$31.00} payment from the closure of my self builder account, however, I still have not received my {$520.00} payment from my credit card account. I was informed that they will release funds after their investigation in which I havent had any updates or information about.! Ive called over 10 times and have been left with the same response. On XX/XX/2023 I received an email stating Thank you for reaching out. Your payout status is still currently under review. While, we can not disclose timeframes of our internal review processes, you will receive email notification once any available funds are released upon conclusion of our review. Its been over a month and they wont release my money. This is a secured credit card. The account was opened using money that was provided by me.! Therefore, once the account closes, funds should have been returned to me.! Ive had this account for over 3 years. 

It is now XX/XX/XXXX almost 3 months after the date and I have yet to hear anything and I have not received my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: CT

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 2023-07-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.

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 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC Bank sold my information to XXXX. XXXX sold my information to many mortgage brokers. For about two weeks I get over 80 calls from different mortgage brokers in a day. They use different phone numbers so there are many numbers to block. 

Around XXXX XXXX on XX/XX/2023 I submitted an application for a loan with PNC Bank. The next day I had over 80 calls from people that wanted me to borrow money from them. Some of them from the same organization. Some of them send me personal information about how much money I owed in text messages to me. They do not call me on weekends and usually don't call after hours but my phone is so busy it is difficult to use it to contact my loved ones. I am on the do not call registry with the Federal Trade Commission. XXXX has passed the information on so they can't get it back. 
The representative at PNC had the same experience. 
Everyone admits there is nothing you can do. 
A local mortgage company does not do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
This debt that is being collected is not mine. I never owed the amount stated. I asked repeatedly for a verification of debt and for a detailed invoice. There was no responses, nor anything presented to prove the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: IL

Complaint narrative:
Ive been disputing this information for the past two years and in the process learning my rights as a consumer and have stress the issue of the accuracy as well this account was not mine to initiate from the very beginning Ive stress that I have no clue of this information and only thing Ive gotten is written letter stating this was done online with electronic signature basically not actual signature or contract Ive also tried uploading documents in which transunion will not allow me to do this as consumer on there website I mail in documents and they say they do not get them police report 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 2023-07-03 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: NV

Complaint narrative:
When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate.By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Wells Fargo charges to many overdraft fees

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 2023-07-03 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: PA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX 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 2023-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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