vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am unable to send/receive funds out of/into my savings account with Citibank. When I contacted the bank on XX/XX/year>, I was told that I can not access the account, because my ATM expired. However, no ATM card has ever been assigned to this account. I requested an ATM card, which never arrived.

When I called the bank today, I was told that the original card was never ordered- even though two separate representatives told me it was on the way. I also was told they are ordering the card now, and I should have it in 1-2 business days. We shall see if that is true.

At this point, I feel the bank is effectively holding my funds hostage, due to some clerical requirement that has never existed before. I need to move money out of my account and can not do so. This situation is unacceptable. Please help.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I submitted several requests including an affidavit proving Identity Theft to XXXX and Experian to delete XXXX XXXX XXXX from my consumer report. My personal information has been breached at all 3 credit reporting bureaus and the only bureau that removed the inaccuracy was XXXX. XXXX and Experian have failed in their duty to report 100 % ACCURATE information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc.
State: VA

Complaint narrative:
Hello, I had a loan with XXXX XXXX XXXX that was sold to a company called SST. I've been using autopay and have made at least three installments to them as I did with XXXX XXXX. I noticed today that my old XXXX XXXX loan was still on my line of credit and this SST loan is not there. There's no reflection on my credit report that I've been making payments and now I'm wondering if this company is even allowed to demand money from me? I would like to pay everything off but I feel like are not reputable and do not want to send my money somewhere wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX ; I am the trustee of the XXXX and XXXX XXXX revocable trust ; With respect to a 9 month CD # XXXX that was issued to the Trust on XX/XX/year>. The maturity date as detailed on the term deposit receipt indicated that I had 10 days from the date of maturity in which to withdraw the entire deposit. On the XXXX day I was unable withdraw the deposit due to the bank being closed in observance of XXXX XXXX XXXX, XXXX holiday. I went to the bank to withdraw the deposit on the next calendar day and was assessed a penalty of {$300.00}. 

I am disputing the penalty imposed and demanding that TD refund the sum of {$300.00} plus interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In the early hours of XX/XX/17 I was XXXX while at a bar on vacation in XXXX XXXX, when I woke up the next morning my phone, wallet, watch, and XXXX had been stolen. I called my financial service companies & cancelled all of my cards, BofA gave me difficulties in finding the nature of the transactions that took place as they would not verify me with a social security number but instead required the last 6 digits of my STOLEN card. They froze my account for future transactions but did not alert me to the charges that had been incurred until I went into the branch location on the following Tuesday ( Monday was a bank holiday ). In spite of this, the charges had not yet been posted so we contacted the fraud department at the physical branch and were able to open a claim on the charges. Bank of America then rejected the claim, stating that the information was either verified via SMS ( possible due to the stolen phone ) or by fraud agent ( which would be a massive security failure if true ). I was able to appeal the claim, to which BofA requested a copy of the police report and a statement from my phone provider showing the device was blacklisted as stolen & a new device reconnected to my phone number. I provided both of these things, and in addition provided a FTC, IRS, and FBI report on one of the individuals/accounts involved with the XXXX transactions . In spite of all of this, Bank of America advised they failed to stop the transaction process and since the other bank, XXXX, did not simply give the money back, they were stepping out of the situation entirely. I was advised any further action would require me to have the XXXX subpoena XXXX XXXX  in order to provide any further justification.

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 2024-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
Under the Federal Save Plan my monthly payment due is XXXX. The payment is applied between a consolidated subsidized and unsubsidized loans XXXX and XXXX. The amount applied to XXXX is XXXX each month. The amount applied to XXXX is XXXX each month. 

On XX/XX/2024, I made a bulk payment of XXXX. The XXXX had XXXX applied as interest only. The XXXX had XXXX applied as interest only. 

I had wanted the other XXXX that made up the full XXXX to be applied to my loans as principal. 

I was told by multiple individuals at Mohela, that they applied part of my over payment which was XXXX to the consolidated XXXX ( unsubsidized loan segment ) on top of the XXXX that was due for XX/XX/2024. Mohela stated that they applied the XXXX amount because that was the accrued interest as of the date I made my payment. 

I don't disagree that I am accruing interest daily but it wasn't interest that was in arrears, thus as I understand simple interest loans, my overpayment of XXXX should be applied in its entirety to the principal. My statement would then cut for the XX/XX/XXXX payment due on or around XX/XX/XXXX. 

With transparency being a necessity, If I haven't been issued a statement showing I am due for the interest accrued, then how can Mohela apply that to XXXX to interest as they did. 

In summary if Mohela is able to arbitrarily apply an overpayment against accrued interest before the next bill cycle closes, even after I asked to have it applied to principal only, then this is a problem. I have reviewed as much as I could about payment application under the SAVE plan and I did not find any language that clearly explains over payment application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I.C. System Inc is trying to collect on behalf of XXXX XXXX XXXX. I've never had an account with XXXX XXXX XXXX. I've requested proof from I.C. Systems in 2021 and this year, and they've been unable to provide that. XXXX has confirmed that I have no debt with them, and that they've never requested I.C. System Inc to collect on their behalf. 

I get threatening calls from them at all hours of the day, including night -- sometimes threatening XXXX against myself and my family. They use profanity and scare tactics during the calls. 

This is my second complaint with this company. They tried collecting false debt from me in 2021, and I made a complaint to CFPB then as well. Now they're trying to collect false debt again. 

Here is the text from my complaint in 2021 ( complaint # : XXXX ) : " IC System ( https : //www.icsystem.com/ ) is calling me multiple times a day, claiming they're trying to collect a debt on behalf of XXXX. They are also calling me at night. I do not owe this money -- I have never been a client of XXXX. I asked IC System for verification of the debt, and they said that they could not send me verification. I have never had any account with XXXX. I contacted XXXX and they agree they have no record of any account under my name or SSN. They have already processed a fraud claim. This is the third collection agency that has harassed me about debt to XXXX. The last one was back only two months ago. IC System uses aggressive tactics and refuses to provide proof of 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 explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/24 I accessed my Equifax account online to temporarily lift a security freeze. I received an error message so I used the companies telephone system and received confirmation this was completed. After receiving notice from a lender that they still can not access my credit I called and spoke to someone who had me upload my drivers license and a selfie to verify who I was and was advised that the security freeze was actually removed from my account and that my report should be accessible within XXXX hour. the hour came and they still can not access so I have called multiple times since then only to be told different information about what is needed including mailing documents to verify my identity but have been advised they dont send notices outlining what I need to send in if anything. Some agents tell me theres agents speculate that theres an internal block that Equifax has placed but no one can seem to understand how to remove it if that is the case. The thing that was placed by me was the security freeze and I have asked Equifax to please remove any internal freezes or locks that they may have however no one can confirm nor can they remove any type of freezes without sending in information that I have yet to be told what to send. It is baffling that I can remove a security freeze with a simple text message code or by logging into my account but now theres somehow this phantom lock deep within the Equifax system that it cant be removed until I mail in documents that if stolen my whole identity is compromised. I have spent my whole day and have lost financing because of this issue. I am tired of spending 30 minutes in a phone tree only to get to someone who has no clue what theyre talking about and can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TN

Complaint narrative:
Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: TN

Complaint narrative:
I am unaware of the mentioned inquiries, and I respectfully urge you to address this matter promptly. Supporting documents have been enclosed for your reference. Kindly conduct an investigation into the matter and take appropriate actions for its resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I received a text the morning of XX/XX/19 that said I needed to call to verify information on my accounts or they would be locked. I immediately called Chase bank and requested information. They informed me that my accounts were already closed and they couldn't tell me why. When I went to the local bank, they told me that I was not allowed to get my money out of any of my accounts, despite being told earlier that I could. They also couldn't tell me why my accounts were closed. I called another Chase banking number to ask why my accounts were closed and when I would get my money from my accounts. They said that they could see why they were closed but still refused to tell me and refused to let me get my money out. No one will tell me anything related to my accounts or my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I looked at my Credit Report Recently and noticed several inaccuracies on my account. This Account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item i am asking you to verify as accurate. 

Name : XXXX XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Date : XXXX XXXX Sent Mail regarding inaccurate reporting I the consumer Per the FCRA as a federally protected comsumer I am now opting out of and and all authorization. I the comsumer may have given you written, unwritten, verbal and non verbal consent per 15 UCS 6802 the Irs states that a charge off is considered a certificate of indebtedness.

Violation of : Fair Credit Reporting Act Privacy act of 1974 Fair Debt Collection Practice Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes and provide me who verified the information that you are reporting. Thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Im not sure whats going on and who this is company is, but a negative inaccurate remark for an alleged debt has been added to my consumer report by LVNV Funding and it needs to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conn 's appliance Inc. I open account in XXXX mother got sick so had to stop working to take care of her. She passed away XX/XX/XXXX. In XXXX Conn 's appliance filed in XXXX XXXX XXXX I receive a summons to appear which I did, and Conn 's never came to Court. This account is over 7 years old, and they keep changing the date that the account was open. This charge off for {$3300.00} have been on my credit for 9 years. I have contacted Conn 's several times but was transferred around and never got to talk to anyone.

XXXX  credit to have this removed but they say
it's has not been 7 years. Conn 's keep changing the dates so that the credit bureaus will keep it on my credit file. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
In XX/XX/year>, I applied for and received a credit card from Comenity Bank that I was using and making payments on time. On or about XX/XX/year>, I was out shopping, and my purchase was declined. Concerned about this issue, I called customer service and spoke to XXXX, who informed me that my account was locked without notice or reason. I asked to speak to a supervisor who informed me that my account had been sent to the Account Protection Verification Department requesting address verification. This company was made aware in the beginning that I am a XXXX XXXX and have a physical address in one state and a XXXX XXXX XXXX address in another state where my job is based. XXXX in Account Protection said I had been sent a letter to my mailing address, which she confirmed as my XXXX XXXX XXXX After a few days, I still had not received said letter. I called again, I was told the letter was requesting the front and back of my driver 's license, social security card, utility bill, and W2 to verify my address. As requested, I emailed this information to the email provided. I am still confused as to the change in my account, I call every couple of days to check the status of the verification process. From XX/XX/XXXX thru XX/XX/year>, I spoke with XXXX, XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX, my USPS informed delivery notified me that Comenity Bank sent a letter to an address that doesn't exist, that I never provided to them as mine that contained partial information of an old address I had, which after more than 2 weeks finally forwarded to my physical address. I called them again on XX/XX/XXXX to notify them of this error and spoke with XXXX, who informed me that my verification process was unsuccessful and my account had been closed and refused to provide reasons for their decision or who authorized the fraudulent address they used. 
In closing, I promptly received the credit card they sent me to the current mailing address I provided to them. I had not promptly received the letter they claimed to have sent to my mailing address, but instead, they used an inaccurate address combined with a partial address I had formerly. 
I firmly believe they collected several pieces of information from my credit report history and used it inappropriately under false pretenses, which raised a security issue thru no fault of my own. After complying with their request, sending several pieces of confidential sensitive information verifying the only 2 addreses I currently have, this company refused to reinstate my account or provide any information as to who authorized the misuse of the combined partial addresses obtained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-19 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: NY

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I have filed a complaint with the FTC. As a regulatory agency, my issue has not been addressed by the CFPB because 1. I never received the initial right to dispute or validate this debt! and 2. I have tried to email ( happy to provide proof ) and I was told to " call '' but I do not trust them nor should I have to when I simply want proof. By continually reporting to my credit KNOWING I have not received this information, they continue to violate my rights under the FCRA! Unlike them, I am happy to provide proof if asked. When I ask for proof this was sent and received, I have been ignored but they still can report this to my credit??? NOT right. 
FTC Complaint attached.

Company response to consumer: Closed with explanation