vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 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: IN

Complaint narrative:
1. I have had my student loan since 1993 no loan forgiveness have had the unfair forbearance of compounding interest with an approximate XXXX loan over {$90000.00} still in repayment and down to {$35000.00} I have paid so much interest. 
My problem is I have got such bad information about loan forgiveness from what I have read I qualify but I have not seen a thing. 
I hear Biden/Harris commenting on how much they have given I have yet to see it. 
At the rate I am now I wont have this paid off until I retire. Thats sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to you regarding this debt with XXXX associated with my name. I am a member of the XXXX XXXX XXXX XXXX XXXX  I have recently become aware that this debt is appearing on my credit file from Schools First Credit Union, which does not belong to me I have not by any chance, obtain or utilize any services or goods pertaining to this debt. I am here by demanding immediate deletion of this fraudulent Debt thats reported to my credit profile of in accurate information USC section 15 reporting to my credit profile it it is a defamation of inaccurate, information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Over draft fee was charged. XXXX for an item paid of XXXX.against my account. I signed an option NOT to have items paid. They paid it and charged me. I have a bank product called virtual wallet that controls items posted and gives you XX/XX/year> hours on the clock to make a deposit. I want my XXXX dollars back. I made a deposit WITHIN the time frame of the date it was to cut off. The bank algorithm won't let them refund my money. Becuse they did a courtesy refund prior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-12 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:
" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. 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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
The initial reason why your XXXX business accounts ending in XXXX and XXXX were closed was due to the business profile address was never updated to a physical address as the business profile still listed your private mailbox or XXXX XXXX XXXX However, we do see an address update was made to your business account profiles to your physical address per your XX/XX/XXXX, combined statement. Again, this was only the account profile level not the business profile level. We found that you spoke to a representative on XX/XX/XXXX, and they verified that your residence address was showing on your accounts. Unfortunately, our representative failed to look at your business profile address, which was not updated therefore led to your closures to these accounts. On XX/XX/XXXX, the business profile address was then updated to your physical residence address, however the accounts were already in the process of being closed. 

This was not my fault, I have no control over the updating of the business address as this is done internally within Wells Fargo. I informed Wells Fargo representatives that I needed at least XXXX days from XX/XX/XXXX to get to Texas to update the error on the XXXX papers of my business, I was told that would be fine as Wells Fargo did not discover this error until XX/XX/XXXX. But, I was not told that it was this address that was in error until XXXX of XXXX. The representatives kept telling me that it was the residence address that I did change to correct the error. 

XXXX papers have to be signed and dated and notorized at XXXX XXXX XXXX XXXX in person, so I asked for the XXXX days to get this done. The accounts were in good standings and because Wells Fargo just closed my business accounts after adding the requirement of higher monthly balances that I addressed with great difficulty, I transfered the money in my personal accounts out, until I could get this problem corrected. 

The four ( XXXX ) accounts had the requiement of making at least XXXX transfer per month to avoid the monthly fees, which I always managed to do.

Now, all four ( XXXX ) accounts are closed and Wells Fargo is saying that Wells Fargos doesn't have fee free accounts, which I had before Wells Fargo 's unskillful manner in which representatives handled investigating this error. 

This problem has gone on since or about XXXX of XXXX, when I opened business checking and savings accounts for my XXXX XXXX XXXX  banking accounts.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: DC

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. 

Account name : XXXX XXXX  # XXXX, Account name : 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 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 in the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist Bank charged my HELOC account a XXXX assessment fee for insufficient funds for a monthly payment on XXXX/XXXX/XXXX. 
But this was a bank error because the monthly payment was paid on XXXX day before the payment was due. Truist Admitted this on XX/XX/XXXX when I called them. 
Truist tried to take another payment out on XX/XX/XXXX XXXX an ACH that was supposed to only be activated if the payment was not paid by the due date. 
I have called the bank on multiple occasion from XXXX and all the supervisors admitted that it was a Bank error But Truist refuses to reverse the XXXX charge. 
They told me twice that the reversal was approved But they lied, and it was denied. 
XXXX supervisors said they would get back to me and never called back. Even though they/Truist have admitted that the charging of the fee was as a result of a bank error, this statement is written in their notes and it is in their recorded phone calls multiple times, they refuse to reverse the charges. 
I called on XX/XX/XXXX and the representative said the reversal of the fee the supervisor promised me was not approved b/c there is no proof it was a bank error. This is even though the 3 supervisors before had agreed it was a bank error and the {$50.00} assessment fee should be removed. 
This fee was charged to my HELCO and is incurring interest. I filed XXXX formal complaints with the bank, and no one has called me back. 
Then I completed a survey with the detailed complaint, and on XX/XX/XXXX XXXX  from Client Survey ( XXXX ) called early Eastern AM ; when I explained the situation to her, she said she had to research and call me back BUT she never called me back. 
I have called her number back today XXXX, and XX/XX/XXXX, no one picks up the phone and there is no way to get in-touch with anyone. 
On XX/XX/XXXX I called the main number to talk to a supervisor, the representative put me on hold for 29 minutes and nothing. I have spent at least 10 hours calling and holding, and no one from Truist will get back to me or correct the error. I have advised them that b//c they refuse to correct the issue I am filing a formal complaint. 
The Bank needs to remove the XXXX wrongfully placed fee from the heloc balance, remove all associated daily interest on this fee, compensate me for the 10 plus hours I spent on the phone b//c of their error. The bank should be penalized for charging wrongful fees and interest.

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 2024-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for 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 2024-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XX/XX/year> NOTICE OF DISPUTE NOTICE : Immediate Verification of Alleged Debt under oath Required NOTICE to : CEO and CFO and Legal Compliance Department I am a federally protected consumer, a natural person under the Fair Debt Collection Practices Act pursuant to 15 USC 1692a ( 3 ) and I hereby demand prompt verification of the alleged debt under oath to lawfully verify documents as factual evidence.

Provide irrefutable evidence of its authenticity, legitimacy and alleged debt origin including but not limited to ; 1. A signed Original Agreement with both parties ( Myself & Credence Resource Management Signature showing meeting of the minds.

2. Full disclosure of Credence Resource Management PURCHASE AGREEMENT regarding collection of alleged debt.

3. Full disclosure of accurate numerical breakdown from zero to current alleged owed.

4. Confirmation of the statute of limitations.

5. Provide proof that Credence Resource Management can legally collect in the state of Florida by providing authenticated proof of company license number to do business in the state of Florida and is the holder in due course.

I am demanding Credence Resource Management Pursuant to 15 USC 1692 ( g ) ( b ) to cease all collection activities until lawful verification under oath is provided to avoid violating my consumer protection rights. A timely response within 30 days is expected, in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and Consumer Financial Protection Act ( CFPA ).

Please note the only convenient way to contact me is via email Pursuant to15 USC 1692c ( a ) ( 1 ). See email address XXXX. Failure to comply may result in legal action to protect my consumer rights. 
Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
According to a certified mail receipt, the credit bureaus received my dispute regarding all accounts relating to CAPITAL ONE on XX/XX/year>. I sent an affidavit to CAPITAL ONE explaining the inaccuracies listed on my credit report as well as duplicate accounts. These concerns raised questions around the reliability and validity of the information reported by this company, so I requested validation of all debts associated with CAPITAL ONE. These debts included : CAPITAL ONE, ACCOUNT NUMBER : XXXX ( duplicate account ) CAPITAL ONE, ACCOUNT NUMBER : XXXX CAPITAL ONE AUTO FINANCE, ACCOUNT BEGINNING IN : XXXX XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX ( duplicate account ) On XX/XX/year>, I noticed XXXX CAPITAL ONE credit card accounts removed from my credit. On XX/XX/year>, I received an email directly from the company stating they received my dispute regarding the auto loan. No mention of the CAPITAL ONE credit cards listed in the dispute. My Experian dispute center does not show a dispute reported for the credit cards which were removed and my XXXX results returned stating disputed items not currently reporting on your file. '' However, they were REMOVED from my credit file. In addition to that, the XXXX XXXX XXXX collection was the duplicate I was referencing which is still on my account. Then a collection under the furnisher PORTFOLIO RECOVERY was then added to my account once these credit cards were removed.

Under the Fair Debt Collection Practices Act ( FDCPA ), particularly 15 U.S. Code 1681e ( b ), which states bureaus must assure maximum possible accuracy of the information in a report, I requested validation of these account due to inconsistency in account information amongst the reports. Which was not validated, resulting in the removal and further confirmation that the furnisher understood the FCRA violation. Also, under the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S. Code 1681s2 ) both the bureaus and the creditors have an obligation to report disputes accurately. That was not done in this case resulting in another violation of FCRA and showing the companies lack of due diligence in credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: CA

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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: CA

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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. 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.

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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WSFS FINANCIAL CORPORATION
State: DE

Complaint narrative:
I was charged an overdraft fee for check # XXXX even though the funds were there and I have XXXX snapshots of account showing as such.when I supplied the bank with both snapshots I was told by there customer service that they were not going to do anything about it.i should've never been charged the overdraft charge especially since I showed them the proof.i want this fee reversed.they also keep telling to go to my branch when in fact they are the almighty XXXX and should be handling this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies abused my credit profile without my consent, even making several inquiries about it. bank without any reason or authorization

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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