vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 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 — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I sent in dispute letters to challenge this accounts reporting on my credit. I sent letters on XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$4500.00} {$0.00} 5.60 % XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX {$2400.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} {$0.00} 6.00 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} {$0.00} 6.00 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3600.00} {$0.00} 6.00 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} {$0.00} 3.40 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2600.00} {$0.00} 4.50 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} {$0.00} 3.40 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  {$4500.00} {$0.00} 5.60 % XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$2000.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$2400.00} {$0.00} 6.80 % XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Proverbs XXXX verse XXXX : hear instruction and be wise and refuse it not. I am making a claim that The CREDIT AGENCIES EXPERIAN AND XXXX broke the law as well as XXXX XXXX! XXXX XXXX stated no credit freeze and personal statements were in place stating to contact the CONSUMER day or night with his direct phone number available before proceeding with any credit transactions due to a XXXX breach of the CONSUMERS NON PUBLIC PERSONAL INFORMATION and being a victim of ID THEFT. When the CREDITOR accepted the offer from XXXX XXXX and authorized and authenticated with his credit information/signature a financial asset to create an account for his PRINCIPLE DEBTOR to obtain credit he was faced with an ADVERSE ACTION, DISCRIMINATION DUE TO THIRD PARTY INFLUENCE AND DEFAMATION OF CHARACTER CLAIMING THE APPLICANT WAS NOT CREDIT WORTHY. My proof of claim for the willful noncompliance and willful negligence of the CREDIT AGENCIES EXPERIAN AND XXXX ALONG WITH XXXX XXXX to break FEDERAL CONSUMER LAW is the credit freeze statement on both XXXX AND EXPERIAN clearly and conspicuously stating to contact consumer before proceeding that XXXX XXXX stated several times no credit freeze was in place at the time of the consumer credit transaction. Im charging and seeking COMPENSATION for the violations against the consumer that was set forth by EXPERIAN XXXX AND XXXX XXXX. FEDERAL CONSUMER AND COMMERCIAL LAWS both were broken and unfair and deceptive business practices from THE CREDIT AGENCIES AND XXXX 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 2023-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Green & Sons Agency, Inc.
State: ID

Complaint narrative:
I missed maybe two payments to XXXX  XXXX XXXX last year between XXXX and XX/XX/2022. I was good at making monthly minimum payments and once I missed a few they would repeatedly harass myself and my husband and call numerous times of the day. I went to make a pament but my account had got shut down from the online payment option and I could no longer just call and pay it off over the phone to XXXX  XXXX XXXX, they put the small amount I had left in debt collection and then from there I was continually harassed by Outsource Receivables Management. I tried to call today to just pay it off, but there was going to be a fee of {$7.00} ( I think ) to pay over the phone. I do not think that is fair at all, I have also been charged interest because of the lack of payment and I do not find that fair considering I have tried to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I made a remittance transaction on XX/XX/2023 in the amount of $ XXXX to my son. This is not the 1st time that i made the remittance thru REMITLY and also not the 1st time that I encountered exactly the same problem situation. The original transsction number for this remittance was XXXX and was supposed to be in my beneficiary 's bank acct in minutes ( as Remitly 's promised time ) but to no avail. This prompted me to call Remitly to check what is happening again and said they will make a research on the problem. But i already complained to them that it's not the 1st time that same problem occured. They asked again for my beneficiary 's acct info. They said it will be resolved within 24 hrs. Eventually, I got a text message saying that the money has been deposited and delivered to my beneficiary 's acct and has been completed only to find out that up to this moment, the money has not yet been received and not even in the acct yet. And to my surprise, the transaction number has changed ( without them notifying me ). I called again Remitly and been pointing out their poor service conflicting with their promo ads that money will be received IN MINUTES. I mean, i send money almost everyday bec i have an ongoing project that needs to be completed and the money was supposed to pay for the labor, hence, it is crucial to have been received by the beneficiary bec they also need it for their family. What if the money is needed in extreme emergency case ( hopefully not between life and death )? What remittance service now can we rely to so that our hard earned $ $ $ reaches the beneficiary in the time that they needed it. Remitly 's promise was to resolve it, making research and etc etc. Their problem is their system. I pity the customer service agents bec they are the frontliners who absorb the anger of customers over the phone and when asked if I can speak to the supervisor, the latter doesnt take the call, instead they just instruct the agent what to tell the customer. Resolution offered by remitly today was compensation but I told them I dont need a compensation. I just need the remittance to be in my recipient 's acct! Nothing else! And by all means pls! REMITLY has to fix its XXXX system! This is really very upsetting! And not the first time that happened but several times already! I should have learned my lesson from last time 's problem. But what other remittance companies out there that can be RELIABLE and can provide excellent service to consumers? I request that this company be sanctioned for its poor service. Same situation I experienced from XXXX XXXX that is why I resorted to Remitly but these remittance companies are a joke! Promised time is a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent the letter out to Transunion, XXXX, and XXXX. However, it's been more than 30 days and the credit bureau 's failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2023-02-01 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: ALLY FINANCIAL INC.
State: NC

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

1

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

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

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

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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Early Warning Services is a fraudulent information bureau that violates the Privacy Act of 1974 as well as many other laws. 

They hold information on consumers without them even knowing it or without getting their consent. Early warning services very existence is illegal and they need to be shut down. 

This is my second complaint because all they did was give me the runaround from my first complaint. I was told that if I sent my drivers license and social security card over Early Warning ServiceXXXX would send me my report. 

They did not do any such a thing. They sent me some generic response saying I should dispute anything that isn't accurate, but like 90 % of the people they hold illegal information on have no idea what is on the early warning services report. 

What is the CFPB even for if you do nothing after these filing? 

You don't even check the violations to see if the company tried to correct anything. This whole thing is a scam including this process. You got ta pretty much beg multiple times to get big business in America to stop doing unlawful and illegal things. 

Early Warning services is build on unlawful operations and needs to be shut down. How can all these bureaus exist affecting the lives of American who don't even know they exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MT

Complaint narrative:
Hello, In XX/XX/XXXX I received an XXXX XXXX XXXX. 
In XX/XX/XXXX I did not receive an XXXX XXXX XXXX. 
In XX/XX/XXXX I received an XXXX XXXX XXXX. 

On the XX/XX/XXXX XXXX XXXX, it showed that there was an overage of XXXX. The letter said I was going to receive a check for the overage. 

After several months and a couple of calls US Bank said they would look into it. Never received a letter of explanation or check for the overage. 

I forgot about it and assumed it was still in XXXX. 

On the XX/XX/XXXX Escrow Statement, ( I did not receive a Statement for XX/XX/XXXX ), and thru email I received a video that I owed XXXX for a shortage in Escrow. 

I called US Bank and talked to XXXX ID XXXX, XXXX ID XXXX, and XXXX ID XXXX in customer service, then also to a XXXX in the XXXX Department who said we don't give out ID numbers. All of them repeated what the letter XXXX said, and I asked to talk to the tax department to see if they paid the property tax. 

When I talked to XXXX ID XXXX after I found the XX/XX/XXXX statement and she looked it up to verify that it said I had the XXXX in Escrow and that I never got a check, she then escalated to some department and said she will call me back on the XXXX of XXXX. I ask to see if they would mail me something and she said no, it has to be handled over the phone. 

None of the promises to call back have occurred. It is now XX/XX/XXXX and the countdown to change and charge me an additional XXXX happens in 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 2023-02-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 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 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am a US citizen traveling in XXXX XXXX.On XX/XX/XXXX I arrived in XXXX XXXX. Airport taxis were waiting for passengers and I mentioned that I had not exchanged funds to their monetary system yet as I had just landed and they assured me that I could use my credit card for the taxi. Upon arriving at my XXXX the driver used a portable XXXX XXXX device for the transaction. It was approximately XXXX miles from the airport to my XXXX. I did not receive a receipt since it was a taxi and I assumed that was custom. The following day I noticed that the charge was for over {$600.00} USD. I reported it directly to my city credit card they said it had to post first and then I could dispute the charge. I was shocked to find out that I was responsible for that charge even though it is clearly fraudulent. I contacted XXXX XXXX, no response and unfortunately I do not speak XXXX so I have not gotten very far in my complaint. Sincerely XXXX XXXX XXXX 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 2023-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a Citi XXXX XXXX XXXX Account in XX/XX/XXXX. This was in response to an offer mailed to me by Citibank. The terms of the agreement were that if I deposited {$10000.00} and left it on deposit for 2 months after the month of the initial deposit, I would receive XXXX XXXX XXXX air miles. The terms also included a statement that Citi had 90 days to deposit this award and the funds must still be on deposit. 

XXXX ) I assumed the miles would be deposited in less than 90 days because prior awards with other banks, credit cards, have been much more prompt. I called during the 90 days and was told they had until XX/XX/XXXX to award the miles. This is bait and switch. In actuality the offer should state that you must keep your funds on deposit for at least 150 days or 5 months to receive the miles. 

XXXX ) I called on XX/XX/XXXX and was told the miles would be deposited in 5 - 7 working days. 

XXXX ) I called again on XXXX and was told, without fail, the miles would be deposited by XX/XX/XXXX. ( Now the funds have been on deposit for half a year without the miles promised. ) 4 ) It may be obvious but, to date, the miles have not been credited.

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 2023-02-01 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: WV

Complaint narrative:
I recently received a copy of all three of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelson Cruz & Associates LLC
State: GA

Complaint narrative:
I am writing to dispute the following information in my file. Nelson Cruz by way of XXXX XXXX has applied a falsified account to my credit file. This account was fraudulently created in my name and I am unaware of its existence. I am requesting that Nelson Cruz by way of XXXX XXXX have the item removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Beginning in XXXX of XXXX Capital One advised that they had flagged my credit card with a Fraud alert. They would not tell me what caused the Fraud alert. I decided to close my account and paid off my balance, this payment of {$2500.00} cleared my bank account on XX/XX/XXXX, this payment was more than I owed and created an over payment of {$980.00}. Since then, I have been trying to get my over payment back. They said in order for them to send me my money I needed to verify my identity with a utility bill, Drivers license and copy of my S.S. card. I sent in a copy of my Gas bill and Drivers license ( front and back ). ( I had lost my S.S. card so needed to get a new one which I did ). They then told me my Gas bill wasn't good enough. I then sent in a Water bill and a copy of my new S.S. card and my DL again. Now they need a copy of the back of the DL which I previously sent. I have spent numeras hours on the phone with them beginning XXXX XXXX, XXXX through XXXX XXXX, XXXX. They have advised twice that I will get my money in 1-2 billing cycles and when the money doesn't come and I call to check on it, they say they can't issue a check due to the fraud alert and the process of sending documents begins again. ( I have a log of my calls to them and can provide that upon request. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: AZ

Complaint narrative:
I asked the credit reporting agenties to do a verification of inquires was was not aware of and upon completion I was enformed my email in less than 24 hrs that all inquires I'm questioning are factual record of the file and will remain on Equifax, XXXX and XXXX. 

XX/XX/2022 - XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting acXXXX XXXX Account #, 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 aslo states a consumber reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Accounts, LLC
State: DC

Complaint narrative:
As a XXXX  resident with exposure to XXXX, and currently in other litigation regarding mortgage fraud, I have requested that this debt be put on hold. XXXX continues her harassing behavior, sending collection notices and use aggressive language when I try to discuss the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Goldman Sachs Bank USA responded to a XXXX XXXX XXXX XXXX XXXX XXXX complain not to long ago on XX/XX/2023. I, XXXX XXXX XXXX filed a complaint with XXXX regarding Goldman Sachs Bank USA regarding a fraudulent item on my XXXX Credit Report. According to the response from Goldman Sachs Bank USA, They stated that I was not liable for this account and as of XX/XX/2023 they supposed to have sent a notification to XXXX to have the fraudulent account removed. I have attached proof of message from Goldman Sachs Bank USA regarding their agreement and response to remove this fraudulent account from my credit report, but for some reason, the fraudulent item is still reporting on my credit file. Please advise and remove this Goldman Sachs account from my credit report please. Thanking you in advance for your cooperation. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief