vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I signed up for US Bank checking account with {$400.00} bonus in XXXX I took a screenshot as the proof that I put the promo code when I opened the account, I finished the required direct deposit as the requirement for the sign up bonus. And I contacted them in XXXX to see why I haven't received the sign up bonus they said they will create a case but I never hear from them after receiving my bonus.

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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I set up an online bill pay thru my checking account with Capital One to a vendor. The money was withdrawn from my account on XX/XX/XXXX, mailed to vendor and cashed by vendor on XX/XX/XXXX. Capital One uses a clearinghouse account for online bill pay with XXXX XXXX XXXXXXXX. Check was then returned to vendor as a bounced check on XX/XX/XXXX. Vendor then wanted repayment from me which I supplied. On XX/XX/XXXX I spoke with XXXX and claim # XXXX was established. XXXX I spoke with XXXX with no resolution. On XX/XX/XXXX I spoke with XXXX who said the check was issued and cashed properly. They denied any issue with a bounced check. On XXXX I spoke with XXXX who reiterated same thing without acknowledging the check bounced. I finally sent an email to XXXX XXXX XXXX of Capital One ( XXXX ). I received a call from an assistant to XXXX XXXX who identified himself as XXXX and his phone number is XXXX code XXXX. He finally explained to me the reason for the bounce to the vendor is that the vendor cashed the check twice. I asked for any proof of this and he was unable to provide. I spoke with the vendor and they do not show any attempt at depositing the check twice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I am writing in response to a recent communication dated XX/XX/, regarding an alleged debt in the amount of {$9500.00} USD on behalf of First National Bank of Omaha. I am genuinely uncertain if this debt is valid and whether it pertains to me. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. As such, I kindly request that you provide the following information : The name and contact information of the original creditor, First National Bank of Omaha. 
A copy of any contract or agreement signed by me related to this debt. 
A detailed accounting of the debt, including the principal amount, interest, fees, and any other charges that make up the total debt. 
Proof that XXXX XXXX XXXX XXXX is authorized to collect this debt in the state of Illinois. 
Any documentation that demonstrates I am legally responsible for this debt. 
Please ensure that all of this information is provided within 30 days from the date of your receipt of this letter, as required by the FDCPA ( 15 U.S.C. Section 1692g ). If you are unable to provide the requested documentation, I expect the debt to be immediately removed from my credit report and consider the matter resolved. 

I am providing my full legal name as XXXX. However, I noticed that your correspondence addressed me as XXXX. Please be aware that this information is not meant to acknowledge or confirm the validity of the debt but to ensure that my identity is correctly identified in your records. My internal case/file number, XXXX, should be sufficient for your reference. 

I request that you cease all collection activities, including phone calls and letters, until the debt validation process is completed. 

I will also be submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter for record-keeping purposes. 

Thank you for your prompt attention to this request. I look forward to your timely response and the resolution of this issue.

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 2023-11-07 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: TX

Complaint narrative:
In the begginning of XXXX claim i did not recieve {$18000.00}, due to change of address which was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXX. At the time i was in a real bad relationship that almost took my life, so that is why i made a sudden move. So the U.S. Bank Reliacard was sent to this address but i never recieved anything unfortunately. 
I called XXXX and notified of my move and they updated it in the system to my new address at the time which was XXXX XXXX XXXX XXXX XXXX, tx XXXX. I was there very briefly because my ex found out where i was at and quickly made problems for me and i was afraid for my life. Again at that point i called to notify XXXX and U.S. Bank Reliacard about what was happening and i was told they would note the account of what was occurring and i moved again for the final time, thank god to a very safe environment where i finally got some sanity.The address was updated to XXXXXXXX XXXX XXXX XXXX XXXX XXXX, tx. XXXX and i still live there today and safe. So now U.S. bank has closed the account and still has the funds and only tells me to contact XXXX, same story different day and going in circles all this time and no progress has been made as far as im concerned. 
Im hoping this is resolved soon, because its been a headache and heartache knowing that on the end of XXXX it shows they paid out the funds to me but never did because reliacard never issued another card or sent another card to me of the remaining balance of {$18000.00}

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 2023-11-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: FL

Complaint narrative:
My name is XXXX XXXX and I am a XXXX XXXX XXXX  XXXX  and my credit is my life. beginning of XXXX a collection arised for XXXX but being reported on my credit as Enhanced Recovery Co L. I immediately called XXXX and they stated it was because of a box that wasn't returned. I went to XXXX and returned the box to XXXX on XX/XX/2023 at XXXX XXXX. I also will attached the receipt. I then called and notified them that this was turned in along with the receipt information. They assured me this would be removed from my credit within 15 days. It was not removed 15 days later and I called back again. Then I was told this would be handled immediately and they were truly sorry for what this was doing to my credit as I needed a business loan that the bank wouldn't now give me. well today is XX/XX/2023 and the item is still reporting to all three credit bureaus. This is 60 days later and nothing still has been done or removed. My credit is the only that I have to back me and my business and I have lost out on over {$40000.00} worth of loans and credit opportunity because of this issue that they wont rectify

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: TN

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-07 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: NY

Complaint narrative:
There are errors in this information about these accounts that are incorrectly reported in my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Account was assigned to repo. I called to set up payment plan. Been making payments for months. And they took my car this morning XX/XX/. Ran my credit and it says the car account was repossessed and closed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XXXX XXXX, I authorized a Wells Fargo credit card transaction for {$2300.00}, to XXXX XXXX XXXX. I learned soon after it was a scam. They said they were a program of XXXX, but instead it's a XXXX XXXX XXXX scam. They sold me a product that doesn't exist, under the cover of a company I would recognize. I called my bank to report the scam and try to recoup my money. They denied the claim, because XXXX  XXXX XXXX provided proof that I had authorized the charge. I resubmitted a claim again and again, each time giving more details, but continued to be denied. At this point XXXX  months have passed, I called once again needing to understand why it was denied, and they said I should have filed a dispute claim instead of a fraud claim. So then, I called to submit at dispute claim. but they told me I was out of my time frame and there was nothing they could do. They should have told me right away to file a dispute claim, so I could have been with in my time frame. I need help getting my money back. Wells Fargo is not doing anything to recover my loss. Instead caused me XXXX  months of lost time and options. It's not hard to research this company and find out they ae scamming people. I have reported XXXX XXXX XXXX to the Federal Trade Commission. Report # 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 2023-11-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I was charger in my credit something I didnt purchase an its dropped my credit score drastically I dont know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX  {$1500.00} XX/XX/XXXX XXXX XXXX  XXXX {$2000.00} XX/XX/XXXX XXXX  XXXX {$610.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$970.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/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 2023-11-07 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: Nelnet, Inc.
State: TX

Complaint narrative:
I applied for an XXXX XXXX XXXX plan after payments resumed on my student loans. I was approved for an XXXX payment and told my application would be sent to my loan servicer, Nelnet. 

I received an email from Nelnet that my plan was " being processed '' and that while it was being processed I did not have to do anything else and if my payment became due it would be placed in administrative forbearance. 

At the start of this month I started receiving " Past Due '' notices. I called Nelnet and after holding on the phone for 2 hours was told the account " had not '' been placed on administrative forbearance and asked to apply for something else. I responded I did not want to apply for anything else because I was not eligible for anything else and my XXXX plan was already documented. 

Currently my account is now Past Due despite my request not being timely processed by Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
This company is not licensed in Tennessee to collect any debt in Tennessee

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 2023-11-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have applied for a HELOC XXXX times with Navy Federal Credit Union. The first application in XX/XX/2023 was turned down due to high XXXX ratios. However, XXXX subsequent conversations found an error in the amount keyed into the system ( a XXXX was missing ). The second conversation revealed my monthly income was listed as my annual income. The second HELOC application submitted in XXXX XXXX, the underwriter refused to use my rental income generated from properties owned by me through my single-member LLC. My current/third application, submitted in late XXXX has consistently asked for trivial things via piece-mail. For example, XXXX weeks ago, I was asked about proof of a $ XXXX monthly XXXX fee, and then the week after that I was asked for proof of land that I paid cash for. Then last week, I was asked for last year 's tax returns. I have over $ XXXX in RE assets, $ XXXX liquid cash in my checking/savings, no credit card debt, my car is paid for, my credit score is XXXX and by my calculation, my XXXX is 20 %. What has been additionally challenging is Navy holds the first mortgage on my home. Of which I pay nearly double the required monthly payment. This whole experience feels racist, unfair, deceptive, and dismissive of my loyalty and ease of ability to repay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: TN

Complaint narrative:
I am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.

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 2023-11-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
Ive never had a check n go account my entire life. Im receiving what Im assuming is scam texts from XXXX ( XXXX ) XXXX Your Check N Go account is with XXXX XXXX XXXX for collections. If we are unable to resolve your account, we must return it to the current creditor, where upon return, it will be further reviewed to see if it meets their criteria for referral to a law firm in your state. Visit XXXX XXXX XXXX XXXX XXXX XXXX to learn more. This communication is from a debt collector.. Reply stop to opt-out. ( Trying to determine if its Scammers or if I had my identity compromised ) Never received a letter or phone call just texts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submit a request several times to Equifax to delete the account ( XXXX XXXX ) due to the pay for deletion agreement with the company on XX/XX/ & Equifax is not honoring this agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: IL

Complaint narrative:
Attn : Customer Relations Department XX/XX/2023 To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Mistaken Identity DEPT OF ED Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Mistaken Identity DEPT OF ED Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Illinois XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX. Mistaken Identity US DEPT ED Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. Mistaken Identity US DEPT ED Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Ive attached my previous complaint along with supporting proof that this does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Kindly examine the enclosed documents. I strongly encourage the bureau to commence an investigation into these accounts, as I have consistently met deadlines, yet they are erroneously documenting me as being late

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