vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 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: TN

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b 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 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 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I submitted a dispute transaction with my bank about a purchase of {$600.00} with XXXX XXXX XXXX. 
The goods were delivered to the wrong account. Despite my documentation, Navy Federal denied my dispute. 
I requested all the documentation from the merchant. Navy Federal sent me the documentation. The documentation clearly shows that my order was sent to a different account. 
Moreover, I sent them a screenshot and report of my account showing no trace of the transaction. 
I asked Navy Federal to reopen my dispute and reinvestigate it. They refused which is against the Federal Law ( Fair Credit Billing Act, FCBA ). 
I have proved by good faith and Navy Federal replied to me in bad faith.

Moreover, they said in the letter they sent that they are going " to continue to attempt to recover the funds through XXXX XXXX  pre-arbitration phase of the dispute resolution process ''. However, they immediately reposted the transaction on my account which represents a second violation of the FCBA. 
I am requesting from Navy Federal to reopen my dispute transaction and to treat it fairly. 
They have all my documentation showing that the transaction was sent to another account and they also received from the merchant the transaction tracking showing that another account received the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: SC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-10-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: EdFinancial Services
State: MD

Complaint narrative:
I have sent 4 emails to EDfinancial requesting a forbearance due to a medical emergency that my child suffered in XXXX. I am asking for this under President Bidens " on-ramp '' program which states " Borrowers who miss their payments between XX/XX/XXXX won't be reported to the credit reporting agencies, nor will they be considered in default. Their loans also won't be sent to collection agencies. '' It also states that borrowers do not need to take action to get into. Having said that, I will not need the full year. I will need until XX/XX/XXXX to pay unexpected medical bills for my son. As I said I sent 4 emails and I have spoken with a customer service rep via the chat feature and that customer service rep is the one who told me to do this. On EDfinancials website it states that emails will replied to in 4-5 business days. My first email was sent XX/XX/XXXX. My chat with the rep took place in XXXX... I believe that EDfinancial is purposely ignoring customer emails so they can pretend that they weren't given ample notice. The " On-Ramp '' program gives a year with no penalty... If I do not receive any response or communication from the business I will take the entire year that the " on-ramp '' program gives me. This is bad business and I will also be reaching out to the Department of education with this same complaint. Here is a link to more information on the " on-ramp '' XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I am reaching out to file a complaint regarding a recurring and deeply concerning issue I am experiencing with HSBC Bank. This matter pertains to the unwarranted freezing of my assets and accounts on XXXX separate occasions, with the most recent incident being triggered by a mobile deposit of {$4000.00}. 

Details of the Issue : Repeated Freezing of Accounts : Despite being a diligent customer, my assets and accounts with HSBC have been frozen twice. This severely impedes my ability to access and manage my own funds, leading to considerable stress, inconvenience, and potential financial implications. 

Lack of Communication : There has been minimal communication and transparency from HSBC 's end regarding the reason for these freezes, especially when the recent trigger was just a standard mobile deposit. 

Reason for the Complaint : While I acknowledge the importance of stringent security measures to prevent fraudulent activities, it is alarming to face such drastic actions from the bank for routine transactions. This recurrent issue raises critical concerns about the reliability and efficiency of HSBC 's banking processes. As a customer, it is paramount for me to have consistent and unrestricted access to my funds without unexpected and unexplained hindrances.

Resolution Sought : Immediate review and rectification of the freeze on my HSBC account.

A detailed explanation as to why this has recurred.

Measures taken by HSBC to prevent such issues in the future.

In choosing HSBC, I was influenced by its reputation as a leading international bank. However, these recent experiences have deeply shaken my confidence. I believe the CFPB 's intervention is crucial to ensure that financial institutions like HSBC maintain a balanced approach between security measures and respecting customer rights and access to their assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
This morning at XXXX XXXX  I got an alert from XXXX  that a capital one Quicksilver card was opened in my name. I didn't open this account and I also got an email from capital to my email about the card. Also had a second alert from XXXX XXXX XXXX about a hard inquiry for a card with them. I'm not sure if that one went through or was blocked as I had locked my credit with XXXX. I have also now locked it with XXXX  and made a credit dispute with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I have requested the repayments already made on the student loan debt and received a generic reply from Nelnet that this is being worked on. I have not received the requested information after several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was involved in a car accident which caused me to be out of work and in the hospital for months. I received two late payments during that period in XX/XX/XXXX and XX/XX/XXXX. I submitted my hospital records over to them and was told even though I was legally incapable of paying the late payments could not be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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:
I need this to be reviewed because it is not mine and it hurts my credit history I want it to be deleted 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 2023-10-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
The loan is transferring from XXXX XXXX XXXX XXXX to XXXX XXXX. Attempted to make payment XX/XX/2023. The website says that I am unable to pay until XXXX. Most everyone 's loan is due on the first. They say no late fees, but this is still costing interest daily. Multiplying the interest everyone is forced to pay while they transition including mine is not right. They should have been ready to receive payments-they are a servicing company. I should not incur extra interest due to them not being ready to accept payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
A total of XXXX unauthorized ACH transactions were fraudulently made without my permission and debited from my Bank of America business checking account. First transaction was made XX/XX/XXXX and the last transaction was made XX/XX/XXXX. 

All transactions were reimbursed to my account except for the following XXXX transactions that were paid to XXXX XXXX. 

XX/XX/XXXX - {$8000.00} ACH Unauthorized debit - paid to XXXX XXXX XX/XX/XXXX - {$100.00} ACH Unauthorized debit - paid to XXXX XXXX XX/XX/XXXX - {$1300.00} ACH Unauthorized debit - paid to XXXX XXXX XXXX unauthorized dollar amount paid to XXXX XXXX is {$9400.00}. 

XX/XX/XXXX I reported all the above fraud by phone call to BOA, and per their request, I submitted several " Unauthorized ACH Return Form '' detailing a total of XXXX fraudulent transactions by email. BOA assigned Claim numbers to the XXXX fraudulent debits and XXXX have been resolved with funds returned to my account. The remaining XXXX unauthorized ACH transactions ( above referenced ) paid to XXXX XXXX were assigned another claim number and have not been credited back. 

XXXX and XXXX - numerous phone calls totaling hours of time made to BOA fraud department to attempt to resolve the fraudulently stolen funds. Each time I was told the bank has " reached out to XXXX XXXX '' and " we are waiting a response from them ''. 

XX/XX/XXXX - BOA closed the claim and sent email to me stating " The originating bank will not allow a return. We have XXXX hrs to recover XXXX items. Please contact XXXX ( XXXX # ) to recover your funds. '' I called BOA XXXX XXXX Customer Service to attempt to gather more information. No further information given. Claim was denied.

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 monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I received 2 collections charges on my credit report from collection agency called Ability Recovery Services for the amounts of {$890.00} and {$940.00}. The original charges occurred from the company XXXX XXXX XXXX. The collections account was opened on XX/XX/2023. I have filed a police report and an identity theft case. I reported this fraud to XXXX online and over the phone to XXXX XXXX XXXX and to Ability Recovery Services.

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 monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I applied for the new XXXX program on XXXX and according to the XXXX site everything was complete, received by Nelnet, and processed. I never received any updates from Nelnet and I called on XX/XX/XXXX. After waiting XXXX hours to talk to someone, I was told they needed proof of my income. I was never notified of this. There was no email communication, phone call, etc. I also had given permission for my tax info to be transferred on the application. The representative said they needed it and that I won't be on the XXXX program for XXXX which means I'll begin accruing interest. When I pointed this out they said there is nothing they can do and that " it wouldn't be that much interest. '' I submitted my tax information and they then said application was received on XX/XX/XXXX and processing and would take 15 days according to an alert on my account dashboard. I have logged into my account regularly and last week ( XX/XX/XXXX ) it said it was processed and to expect communication. I have not gotten any communication. I still am not on the XXXX plan, but I was placed in forbearance until XXXX. 

A note, that according to the Department of Education website, my application was received XXXX and processed XX/XX/XXXX. Again, nothing from Nelnet. 

I just want to be put on the XXXX plan and begin repayment. I have tried to call multiple times this week and last week and I am just put on hold endlessly and never get through to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: KS

Complaint narrative:
I applied for the save plan and loan consolidation at the same time on XXXX. The consolation is complete but my payment amounts are not updated to what the government website showed when I applied.

I waited for a week after the consolidation to ensure there was sufficient time to process.

I researched bit online about possible road blocks. Accordingly I reached out using their email form ( the only way I saw to send a written statement ) for an update and uploaded my tax forms that would have been used with the SAVE plan application.

My understanding is the Fafsa website forwards the tax returns but some research I did suggested Nelnet may be having problems accessing that information. So I uploaded a copy of my tax return to the nelnet platform as well.

I do not understand why processing the SAVE plan application is not complete when the consolidation is and I have not received a response to my email to them. Their email form includes identifying information for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: CreditNinja Lending, LLC
State: MI

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given authorization and/or permission to access my credit profile. Furthermore, you have no permissible purpose by law to contact third parties with my private or personal information. Said violation ( s ) amounts to Aggravated Identity Theft pursuant to Title 18 USC Section 1028A, as you have knowingly transferred, possessed, and/or used, without lawful authority, a means of identifying me, which is a felony punishable by law up to two ( 2 ) years imprisonment, in addition to civil liability. 

By obtaining my XXXX Consumer Credit Report on XX/XX/XXXXXXXX  and XX/XX/XXXX, respectively, without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ), codified at Title 15 USC Section 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXXXXXX XXXX XXXX. Furthermore, I do not have an account, as defined under Title 15 USC Section 1693a ( 2 ) with XXXX of XXXX for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Over the last couple months, I have received repeated calls that show up as " No Caller ID ''. I receive such calls multiple times a day, almost every day ; they do NOT leave messages, and they do NOT identify themselves. I have attempted to answer calls received from No Caller ID multiple times, only to have the caller hang up on me. I unmasked the number using the copy/paste function on my XXXX, and " No Caller ID '' comes from the same number each and every time ( XXXX ). I have attempted to call this number in an effort to uncover the identity of my harasser, but my calls are blocked! I even paid for an online report to identify who is behind these calls, and I discovered it is a CELLULAR phone. Today, I answered such a call and was finally able to access an automated interactive menu, albeit without an option to speak with a live agent. The automated menu identified the caller as Comenity Bank. I do owe them money right now -- my mother was injured in an accident and I have been out of work caring for her since the end of XXXX. I plan to pay my balance, in full, within the next 10 days, when I receive my NC pension refund, after having left my position as a XXXX XXXX  so that I could continue to care for my XXXX mother. 

It is my understanding that repeated calls are harassment and, therefore, illegal. I do not know if the following also qualifies as harassment, but I personally find it *incredibly* harassing to have a so-called legitimate business call from " No Caller ID '', ( and from a cell phone, at that! ) as they are intentionally masking their phone number so that I can not identify them or return the call. In masking their identity, they are hoping I will be caught off guard if I answer their repeated calls, which only speaks to the aggression with which they go after debtors. Maybe this is too much information, but I was once in an abusive relationship, and I just get REALLY nervous and anxious about repeated calls from someone who is intentionally trying to mask their identity. That stress, to me, far outweighs the LESS THAN {$300.00} that I currently owe to this creditor. This company has been in hot water before, but yet continues to use predatory tactics with their consumers. It is despicable, and I will close my account the moment my balance is paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have filed numerous disputes to a multitude of incorrect and flat out wrong information on my credit report. Then they send me a letter saying they believe someone else is doing this so its not being investigated. 
The grotesque errors they refuse to investigate or fix on my report are causing me severe and undue harm and emotional distress. 
I demand the information be removed immediately.

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