vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 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: FL

Complaint narrative:
As you may know as a consumer reporting agency there is a need to insure that Transunion excise their grave responsibility with fairness, impartiality and respect for my right to privacy. All of which Transunion has failed to do, they have disregarded my confidentiality, the accuracy, relevancy, and proper utilization of information being reported on my consumer report. Between XXXX I disputed the bankruptcy reporting and everything related to the bankruptcy as it was and still is unverified, inaccurate, irrelevant, unfair and inequitable. I have reached out to the Bankruptcy court myself and received a letter that verifies that no information was provided to the consumer reporting agencies but instead they continue to report and state that the information " is verified '' by the court that is allegedly reporting when no one can verify it as it was not given to them. I further sent a dispute to XXXX XXXX who is the holder of this information ( not the court ) has sent me a letter stating that all the information for the bankruptcy records determinate that the data being reported is " UNVERIFIABLE '' ( See letter from XXXX XXXX ATTACHED ) My reputation and character has been intentionally ruined since XXXX because of the false, misleading, inaccurate, and irrelevant reporting. I have suffered alot from this as I am not able to get into my own place, I am also not able to get anything for my personal, family and household purposes due to their negligence to apply reasonable procedures to properly investigate 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 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Applied for XXXX XXXX XXXX XXXX credit card on and declined due to Bank of America stating " one or more of your accounts has been included in a bankruptcy or we've received notification of your intent to file for bankruptcy ''. ****There are no accounts included in bankruptcy on my credit report or any intent to file for bankruptcy filed with a federal bankruptcy court.

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 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have a checking account with Wells Fargo and use their bill payment service. They mailed a bill payment to XXXXXXXX XXXX for my mortgage loan. I had fully paid off the mortgage loan I had with XXXX by the time they received the check from Wels Fargo and they told me that they never cashed this check and that they returned it. Wells Fargo keeps claiming that XXXX cashed the check. When I provided XXXX the proof of payment from Wells Fargo, they did further research and told me that XXXX did return the check and that XXXX, which Wells Fargo uses for their bill payment service cashed the check. Wells Fargo is still insisting on additional information from XXXX. I clearly told them to reach out to XXXX but they haven't done that. I also told them to look at the check that was cashed and that in the endorsement section, it looks like it was cashed to a Wells Fargo account. Wells Fargo still hasn't done anything and keeps asking me to provide more 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 2023-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: MI

Complaint narrative:
I have no knowledge of this account I was XXXX at the time Amy of thes debts where created I have no knowledge of the debt nor am I responsible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/XXXX, I initiated my most recent dispute by sending a certified mail to LVNV FUNDING LLC. In this communication, I requested thorough verification of the debt, including but not limited to the original contract bearing my signature. Regrettably, I have not received any response from LVNV FUNDING LLC containing the requested documentation, nor have I received the 1099-C form. I also explicitly asked that they cease collection activities on this debt while the verification process is underway. 

Prior to this, on XX/XX/XXXX, I sent a certified letter to LVNV FUNDING LLC requesting the original contract pertaining to this debt. It is important to note that the original debt in question does not appear on my credit report, further necessitating clarification. However, my request for the original contract went unanswered, and the response I received merely stated that the debt had been " verified '' without providing any supporting documents. 

Additionally, on XX/XX/XXXX, I communicated with all three major credit bureaus to dispute the inclusion of the LVNV FUNDING LLC account on my credit report. I asserted that this account did not belong to me and requested its removal. Despite these efforts, the LVNV FUNDING LLC collection account continues to be reported by XXXX and XXXX. 

Then today XX/XX/XXXX I received a certified letter from the sheriffs department demanding payment. 

I have undertaken these actions in good faith to resolve the matter and ensure the accuracy of my credit report. It is my sincere hope that the Consumer Financial Protection Bureau ( CFPB ) can facilitate a thorough investigation into this dispute to ascertain the validity of the LVNV FUNDING LLC collection entry on my credit report. I urge your prompt attention to this matter as it significantly impacts my financial standing. 

Please do not hesitate to reach out if additional information or documentation is required to facilitate this investigation. I appreciate your assistance in resolving this matter and look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: GA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I appied for extention for XXXX payment due to loosing my job and spouse being sick. 
I decided to appy for assistance then findour PPH Mortgage reported my mortgage being one mont delinquent on my credit report while waiting on them to response to my extention. Therefore, the note will show late another month while waiting on them to correct this problem. PHH mortgage stated it will not be corrected even if it was their problems. Its just taking months to approve an extention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: PA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Failure to due their lawful duty and credit my account appropriately. Please see attached paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am not liable and should not be held liable in any form for this debt with Santander Consumer USA. The loan is outdated and 100 % paid off and needs to be removed from my credit report immediately. 

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CA

Complaint narrative:
Ive been back and forth with cash app to get my direct deposit and account number so I can change my bank to my new account that I opened because they closed my account and they wont give me my info and I keep calling and they said they cant give me that information even though its my information. Now Im having to deal with them to get my money direct deposit to my new account. Im having my check on hold with social security because cash app wont give me this information. Its beyond ridiculous and frustrating how they are handling this. And they closed my account because I filed a dispute because someone used my account and I reported it to them to inform them what was going on and they said they closed it because of this disputes. So its okay for someone to use my account without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I consolidated my FFEFL loan with NELNET in XXXX in order to take advantage of the new XXXX XXXX repayment plan as advertised, after being advised by NELNET I'd be able to lower my monthly payments and repay or have my loan dismissed sooner. 

Now I may not qualify for XXXX or will I? I have been on the phone for XXXX hour and XXXX minutes without speaking to anyone. This is the 7th time I have called.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT.I WOULD NOT EXPECT SOMETHING OF THIS MAGNITUDE TO OCCUR. I FIND IT SURPRISING THAT I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF TRYING TO BUY A FOREVER HOME FOR MY FAMILY! PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy federal credit union has been reporting inaccurate information XXXX Go Rewards {$3500.00}. Cash rewards {$1500.00} to the credit .Stating that I am 30 days late on my credit card payments when there currently paid off and I have no debt established with the .I would like all false and inaccurate information removed as soon as possible .As it is hindering my credit tremendously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
On XX/XX/2023 first time we opened a XXXX where South State bank provide us information of XXXX at XXXX XXXX rate for 7 months. That time bank representative never explained how bank calculate the interest rate. As per our conversation even Bank employees also unaware of calculations of XXXX. South State Bank promised XXXX XXXX for 7 months. At the end of term we only got around XXXX XXXX instead of XXXX XXXX.. When we complained in CFPB. Bank never accept their fault, instead bank gave a explanation of second time XXXX That we knew how bank calculate. So first time XXXX 's problem is mo where to found. Bank closed the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: CITIBANK, N.A.
State: TN

Complaint narrative:
In XX/XX/2023 I received my first bill from a Citibank AAdvantage Credit Card ( last XXXX of card XXXX ). On the bill there were XXXX charges of {$5.00} from XX/XX/XXXX and XXXX charges from XX/XX/XXXX for {$5.00} to a XXXX XXXX XXXX XXXX XXXX. I immediately reported these charges as fraud and closed my account. Since then, I am still receiving bills from Citibank claiming I have a past due amount and late fees totaling near {$100.00}. I have filled two more fraud reports on the same issue, first one on XX/XX/XXXX at XXXX XXXX and again on XXXX XXXX at XXXX XXXX Citibank is still sending me bills without letting me know anything about the fraud report that I have filed 3 times now.

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 2023-09-25 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: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
My vehicle was repossessed on Saturday and on Monday morning I tried to call and figure out how much I was behind and what I could pay to retrieve the vehicle. They stated they could not give me any information till Wednesday and they need me to surrender my car keys to the towing company within XXXX hours or they will make new keys and charge me for them. I stated I wanted my vehicle back and would pay whatever I needed to but they continued to say they will not give me any type on information till Wednesday. I asked to speak to a supervisor and the gentleman was very rude and pretended not to hear me then hung up on me. 
Further more I think the XXXXXXXX XXXX XXXX XXXX XXXX license is no longer active in Indiana. I feel like theyre doing this to me because I am young and XXXX and to top all this off I am pregnant and this is causing major stress to my baby and this is causing me to miss my doctor appointments. 
Also my vehicle loan has been paid more than 50 % and I owe less than XXXX on the car.

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 2023-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I've tried for 5 months to get in contact about resetting my nelnet account waited hours on hold and sent dozens of emails. The website says they can't find my account even though I have emails stating the confirmation of account creation. Loans are due to start repayment this month and I have received no information or help and risk not being able to pay my loans because I can't access the account with my repayment information. I have tried resetting passwords, usernames, called 5 times, emailed dozens. No one will talk to me or help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Hello Ive disputed this account before with XXXX system. They are reporting a collection as an open and past due account. They are also sending me a bill for XXXX but reporting {$190.00} to credit bureaus. This is inaccurate reporting. I am keeping dispute letters on file and their responses. My next step is to file a complaint with the state attorneys office if this item is not removed. I also asked them to cease all communication and they keep contacting me. I attached a copy of the collection for your reference

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 2023-09-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
In late XXXX, I opened an additional savings account with HSBC Bank USA - called a Premier Relationship Savings Account. The Account is tied to the Premier Checking account I have had since XXXX. 

The features of the savings account were that you would receive a much higher " relationship '' savings rate if in the previous month you completed certain tasks like make a direct deposit or use the debit card. 

For many months I had my paycheck deposited into the Savings Account, and had always received the special savings rate ( far in excess of the basic rate ). 

Suddenly in XX/XX/XXXX, I stopped receiving the high interest, and only received {$4.00} on a {$100000.00} balance instead of expected {$400.00}. This happened again in XX/XX/XXXX, and I only noticed both months ' issues in XXXX when I contacted HSBC. 

I later learned that HSBC had made a mistake. I was a former employee of HSBC ( XXXX ) and they had coded my account as an " employee '' and it was only because of this code that I was receiving the higher rate. In fact, my deposits had nothing to do with it, because I accidentally had them made to the " Savings '' instead of the " Checking '' account. 

While it seems I made a mistake, I was relying on the same actions from every single prior month, and of course, when suddenly the interest rates were much higher later in XXXX, HSBC seems to have turned my account off without notifying me.

HSBC claims I was properly notified of their mistake - and I never received ANY notification of their error - otherwise I would have reviewed all my actions and made sure that I was eligible for the higher rate on my own. By failing to properly notify me of their mistake, they cost me the opportunity to " fix '' what appears to have been my own misreading of their very confusing promotion! ( Who would have noticed that it mattered which account you deposited funds to. )

Company response to consumer: Closed with explanation