vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
My claim got denied because it wasnt properly investigated I had to open back up the claim and I keep being told that someone from back office would contact me I never been contacted the whole time this problem had been going on my money has been stolen out of the account and Im being told thats its really nothing they can do about it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
A credit card was opened in my name on XX/XX/2012 with a balance of {$8300.00}. I wasnt aware that a credit card was opened in my name until I received a phone call from XXXX XXXX and I immediately asked them to dispute my file

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 2024-03-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance to the Fair Credit Reporting act XXXX Accounts # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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.

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 2024-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I contacted Wells Fargo to try to redo my mortgage payment cuz I was struggling to pay it. I was told there was nothing they could do for me so I went through another company to do a loan notification and they just took my money and I lost my house and had to file XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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:
Experian is reporting an account as late on my report which is incorrect. I've asked Experian to verify the information and they just reply it's verified. I ask them to show proof that the debt is valid and they ignore 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 explanation
Consumer complaint received 2024-03-25 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 a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: DE

Complaint narrative:
The comppany cant account for missing esscrow money. I have NEVER reci9eved a refund for any year of this loan, infact I had a coushion at the begining to avoid esscrow increase. this company makes sure to assess whil bills due so they can say " you need an advance ''. problem is Ive made all payments and my bills haad not increased much yet Loan Care is asking for more than {$800.00}. a month to pay my bills. 

I calculate I shoiudkl have had an overgae the first year oif more than {$1000.00}. Overage they second year and so on yet the company has taking my mortgage payment from under {$1200.00} to now nearly {$1700.00}. 

I wouls like this investigated with foillow up.

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 2024-03-25 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
In reference to account number ending in XXXX. 
I am trying to buy a house, so I pulled my credit report and noticed that I have a late payment reported by Military Star card XX/XX/year>. I was really having some personal issues as I am a victim of fraud and the XXXX XXXX. I reached out to the company, and they were unable to help me with this matter. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. I send all payments in a timely manner, not sure why the payments were not recorded on my account by the due date. I tried to resolve this issue with the company, but they refuse to help although as a consumer I feel my rights were violated.

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 2024-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: VIAMERICAS CORPORATION
State: NY

Complaint narrative:
On XX/XX/2024, we utilized a Money services company called viamericas XXXX XXXX XXXX XXXX XXXX  for a money order for the total of XXXX. 

We were issued a receipt of the transaction ( see attachments ) however, after weeks of purchasing the money order, the payee had still not received the funds. 

FFWD to today ( XX/XX/2024 ) and the payee still shows the payment as not having been received. And because the payment hasn't been received yet, the payee now charged us a late fee of {$10.00}. 

We've been calling and emailing the company to ask for proof of the money order having been forwarded/ received and/or cashed by the payee, but to date, they have not provided any such physical evidence. They have only verbally responded saying that " there is no hold on the money order, but that it hasn't been cashed. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: PA

Complaint narrative:
I am an authorized payer for my parent who has a XXXX  XXXX  loan who is serviced by Nelnet. Netnet has provided me with my own " authorized payer '' account that can make payments on my Moms account. 

I am able to view payment history. This payment history DOES NOT include payment date. It also populates {$0.00} as applied to principle and interest. My payment history on my screen adds up to {$32000.00}. When I add up the payments I made viewing my parent 's account, it adds up to {$27000.00}. 

I made a {$1500.00} and {$3000.00} ( {$4500.00} total ) payment that was never taken out of my account and never applied to the principle. I see those payments as successful on my authorized payer screen. On my parents screen, they do not appear. 

As an authorized payer, I am also unable to view account summaries and how my payments have been applied to the loan balance. I am also unable to receive email confirmations for all payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Signed up for care credit through sycrony bank at my dental office and never was told or mailed anything about how or when they start charging intrest fees and they have many open lawsuits about this exact issue with millions of people who now cant ever pay this debt off due to occurring interest rates that were never explained

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 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RM is selling deceptive information to XXXX and XXXX. This allege debt has not been properly validated as belonging to me and I have received no notice of my right to dispute this debt before it was added to my consumer report. Under FCRA each reporting agency is required to report 100 % accuracy how was this debt account verified when there is not court judgement that makes me liable for this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: GA

Complaint narrative:
XXXX XXXX is selling deceptive information to XXXX and Experian. This allege debt has not been properly validated as belonging to me and I have received no notice of my right to dispute this debt before it was added to my consumer report. Under FCRA each reporting agency is required to report 100 % accuracy how was this debt account verified when there is not court judgement that makes me liable for this 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 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-25 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: AR

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-25 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I have initiated a Disputed Transaction with my credit card provider Apple for a merchandise that was returned to the merchant but have not received refund. 
On XX/XX/2024 my credit card issuer Apple have closed the dispute and rebilled me for the disputed amount of {$100.00} without providing information or explanation despite providing supporting documents such as return shipment tracking and authorization. 

Dispute case number : XXXX Transaction date : XX/XX/2024 Merchant name : XXXX XXXX XXXX 
Disputed amount : {$100.00} Amount to be rebilled : {$100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: GA

Complaint narrative:
In accordance to the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

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 2024-03-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance to the Fair Credit Reporting act XXXX XXXX  # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX # XXXX, # 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: TX

Complaint narrative:
Last month I forgot to pay my Discover card payment. First time ( that I can remember ) being late. I wasn't late because I didn't have money, the day just got away from me and I forgot to get on and pay. Since I was already late, I just decided to wait and double up the next payment. I received my statement that said my due date was the following month. ( I've also used and paid off this card several times since I've had the account ) I got online, researched payment options ( because I was curious ) and chose to make my regular payment plus extra. Options were to break down the payment is several different options of time frames, like 4 months, or 2 months etc. Many of those options said the card would be on hold, so not wanting to do that, I elected to make the whole payment in one. My minimum payment was {$400.00}, and I paid {$600.00}. I converted my miles into partial payment and paid the rest out of my bank account. This was on Friday, XX/XX/2024. Over the weekend, on Sunday XX/XX/XXXX I received two random emails. One from " Discover '' and one from " XXXX '' stating I need to give them permission to access my financial information with the IRS. Being an accountant myself, this is a huge RED FLAG. Everything I read, preaches that financial institutions ( even things like XXXX, our electric and water companies ) will NEVER contact you asking for passwords or access to your accounts. So please tell me why this would be acceptable in today 's world of scamming?? I do not feel comfortable giving access to my personal & financial information to the IRS thru random emails. I've never had any financial institution or credit card company ask for access to my IRS account. They told me if I don't do this, then my account will be closed. This sounds like they are threatening me in order to receive my IRS information. That is my PERSONAL information, and no one has the right to access it or demand I give them access. I opened that account several years ago and they did not ask to verify my IRS information. If they were content with accepting what I reported to them myself, then, then they should be content with the information I've given. In today 's world of scamming, I feel like it is very irresponsible and inappropriate for Discover to ask for such things from their consumers and threaten them with account closure for disagreeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Hello I disconnected my internet service from XXXX after the service had many issues and they kept increasing our bill significantly without prior notification. 
The agent confirmed verbally that our bill would be reduced to 1 day as we were one day into the billing cycle. They also confirmed we would be waved the equipment fee once we returned the equipment which we did. 
XXXX has not revised our bill and in fact, have send a higher-than-standard bill for the final monthly charge and equipment charge. Despite contacting them numerous times over the company chat ( their preferred method of communication ) they are yet to resolve the issue and have now sent a debt collector our way. 
We have screenshots of the agent from XXXX confirming on XX/XX/XXXX that our bill would be updated and yet this hasn't happened. 
Thanks, 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 2024-03-25 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Got a letter from JP Morgan Chase that said that there was a credit card application that was filed and they wanted to verify that it was me who filed it. I never filed for a credit card, so called JPM and closed that application permanently. Also called XXXX and disputed the credit inquiry, put in a fraud alert for a year so any new credit inquiries will require more steps. Trying to subscribe for a credit monitoring service which seems currently frozen, so will wait a few days and enroll.

Company response to consumer: Closed with non-monetary relief