vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 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: IL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XX/XX/year> I received an email stating my account was frozen/suspended. I recently cashed out a retirement account I had at XXXX when I was working at XXXX. It was over XXXX I had cashed out and deposited into my Venmo account. This was deposited on XX/XX/year>. I used it a few times on things like vacation, bought a couple things, transferred XXXX XXXX to my real bank account, all good. Then out of the blue on the 4th I get this notice. I still have over XXXX in there and they are holding it XXXX. I have provided them with all the ridiculous things they have asked for. Also, the 2 emails they sent me asking me to respond to them, both go back to XXXX so there is literally no way to respond to them. They dont tell you how to respond at all. I ended up finding a contact us form where I had to take screen shots of the emails and then put into a document the things they are asking for. I get no confirmation that they received it. You cant call in and talk to anyone who can do anything. There is no way to actually speak with a person here. I started researching this issue and there are XXXX of people in the same boat. All I want is to be able to transfer my money out and into my bank account. I will then close my accounts there and make sure everyone I know does the same. I have done nothing wrong, shady or illegal. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/year> I transferred {$1500.00} total from my XXXX to my Citibank account I opened that day ( proof of these transfers are attached ). I withdrew {$1000.00} from the citi account on XX/XX/XXXX and citi shortly closed my account for no reason citing fraud alert. I had {$500.00} left in the account and ever since XXXX I have been calling citi for an update on this matter. For the first 60 days they said the funds will be returned by itself within 60 days. 60 days passed I called again they said they transferred me to multiple departments who tell me different things. I eventually got to the new accounts fraud department a few weeks ago who said I needed to prove this is my money so I sent them the screenshots that I attached. Then they said they will email the department that handles this but every time I call they said they have no response from that department. Today I called again they said the account takeover team handles this, I got transferred over and waited for XXXX minutes they said they were checking the issue and then I got hung up on. I have been very patient with citibank but they are not taking this seriously and I'm not getting anywhere so I am seeking helping from CFPB hoping I can get some help. And I have seen online a lot of people are dealing with a similar problem with citibank closing their accounts and not giving their money back. It's horrific that a big trusted bank can act like this, that we have to beg for our own money back.

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 2024-06-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: NC

Complaint narrative:
I think it was Procollect on behalf of a rental company. I had received no notification for the two years after living at a location about the debt, so I had no idea that there was a debt owed. The company waited 2+ years before suddenly contacting me via phone, refusing to disclose the nature of the call. I believe they waited to notify so that the charges would double and they would receive a larger cut. I was able to rent different locations after the one in question. I had no issues. Then suddenly, they reported me for a housing debt and said they would not allow me to question the debt or have an itemized list for it within a reasonable timeframe. They were rude and abusive and when I began to panic over homelessness they only doubled down on me not having any other choice. I am down {$1400.00} when the alleged debt prior was only around {$700.00}. Had I known of this debt years ago I wouldve just paid it. I am so unbelievably frustrated. 

These conversations occurred during XXXXXXXX XXXX XXXX. Prior to these interactions, I received absolutely no communication from the debt collectors or the leasing agency.

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 2024-06-06 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: OR

Complaint narrative:
I've purchase an XXXX XXXX  from XXXX official website on XX/XX/XXXX, in an amount of {$2600.00} USD, using my apple card online. About a year later, around mid XX/XX/XXXX, the unit stopped working. I've tried unplug and plug it back in but still nothing light up. I've then try to call the customer support line number on their website and was left on hold for an hour and a half, then disconnected from their end. I've tried to call back 2-3 times but no one pick up. On XX/XX/XXXX, I filed a dispute with apple card Goldman Sachs , for faulty unit that not as described, stopped working, and unable to contact merchant via email or phone call, regardless of multiple attempts. No service were performed since they don't have a local office or a physical in person store, everything is online. I still haven't able to talk to anyone at the merchant, to this day. Apple card support kept opening and closing my dispute in favor of merchant with reason being not enough evidence to support my claim. I sent them my most recent email with the merchant and every information I do have. I am not able to reach the merchant for a solution and apple card support does not seem to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: FL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XX/XX/year>, I contact XXXX XXXX support XXXX times in an email request that XXXX correct the credit report on their website because it's reporting incorrect and inaccurate credit scores. I was told to contact all three agencies. I did on XXXX XXXX, XXXX by phone and online check and they stated my credit scores were accurate and the XXXX XXXX  needs to update their system. This went on from XX/XX/XXXX through XX/XX/year>. I gave it time and checked the system and there is not change. This effects my XXXX XXXX because most of the XXXX XXXX use this service to rate their potential XXXXXXXX XXXX for deposit and my credit scores are incorrect which is leading me to pay XXXX my deposit when I have never missed a rental payment.

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 2024-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I am a XXXX  that went to the XXXX  with prior XXXX  XXXX at XXXX XXXX XXXX XXXX on XX/XX/XXXX. I gave them all of my insurance information ( XXXX  ), including where to send the bill. Several months later, I started receiving bills for this visit. At that time XX/XX/XXXX, I called XXXX, who handles XXXX  XXXX claims and we got the medical center 's billing department on the call with us to make sure they had all the correct billing information again. They were informed at that time that they were not allowed to bill me per XXXX XXXX, but if they sent the bill according to the instructions, they would be paid. I got another bill XX/XX/XXXX, at which time I again got XXXX and the Medical billing department on a 3 way call and repeated the process and was assured it would ber handled. I received an Explanation of Benefits showing my responsibility as XXXX, so I thought it was handled, however, it did not get paid and is now on my credit reports as a collection account. This is against Federal Regulation 38CFR17.1008, according to XXXX. After further investigation, the medical facility still did not bill the correct place! They sent it to XXXX instead of XXXX. I can not get through to XXXX XXXX XXXX XXXX, so I called XXXX XXXX my case manager ) at Credit Management Company. When I told him reporting this to a credit reporting agency violates a Federal Regulation, he said it doesn't apply to them, and they've been in business for XXXX  XXXX. I wouldn't have brought this issue here this fast, except that I'm in a XXXX XXXX XXXX with other XXXX patients and XXXX out of XXXX of us are all dealing with similar situations! What good is a Federal Regulation if it's not being enforced? XXXX, and other medical bills take enough of a toll on our credit without these types of things. I hope you can help XXXX across our nation!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
XXXX XXXX  2024 was the day of shipping XX/XX/XXXX was the day of my first purchase of The first set of stoves XXXX stoves XX/XX/XXXX I purchased the second set of XXXX stoves they are still in processing and are supposed to be delivered XX/XX/XXXX to the XXXX which I doubt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-06 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: OR

Complaint narrative:
I have had issues with my accounts since trying to open a joint account with my wife who is a not a XXXX XXXX, but has an XXXX, is on my tax bill, and my understanding is that I have the right to contribute to an IRA in her name. We also have been asked by immigration why we do not have any joint bank accounts, so I tried to open a joint checking account with her. I understand now that XXXX only offers checking accounts with a valid social security number. That is fine and that has nothing to do with my complaint. 

My complaint is in regards to my personal, individual checking account I opened in XXXX being locked since last XXXX, XX/XX/XXXX. I attempted to communicate with the bank XXXX, XXXX and was told that they could not provide me with any information and to call back XXXX, XXXX. When I did so, I was told that the reason for the freeze was that I had indicated on an account application that I had income from outside the XXXX. It is possible I checked the wrong box or provided inaccurate information without realizing it, but to the best of my recollection, I had indicated that my wife has income from outside the XXXX, but that I do not. I was told on XXXX that this issue would be resolved within XXXX to XXXX hours. I am very appreciative to the people who originally helped me because when I explained my situation and that I would be traveling that same day, they were able to unlock my account within a few hours. However, the following day my account was frozen again. 

I have again called XXXX twice regarding my account. Now they say they need to know details about my income from XXXX through XXXX, at which time I was working online and living with my wife in XXXX fulltime. I was contracting for a XXXXbased company who I continue to contract for on a part time basis. I really don't know what else to say as I do not understand why this would cause my checking account which I opened in XXXX to be frozen. This is all the information I have, they have simply told me that they are investigating and every time I talk to them since XXXX  they keep telling me it should be resolved by the following day. 

I am currently in XXXX for XXXX weeks with my wife, we are still in the process of her XXXX XXXX, and I came down to celebrate our five-year anniversary which is this XXXX, XXXX. I am not able to access my other account from XXXX ( XXXX ), so this XXXX account is my only source of funds other than my wife 's salary, but we were planning on using money from my XXXX account while I am here. I keep being told that things will be resolved. XXXX  I was given a XXXX window as the maximum this would take and I still do not have access to my funds. Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? Your feedback and insights would be greatly appreciated. Thank you for your time and consideration.

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 2024-06-06 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: Kelsting Group, Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 explanation
Consumer complaint received 2024-06-06 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: CO

Complaint narrative:
At some point in the past year, my student loans were transferred from Great Lakes to Nelnet. I graduated with my XXXX in XXXX but my last active attendance date was XX/XX/XXXX. I set up autopay on the Nelnet site in XXXX when my XXXX student loan payments resumed and XXXX student loan payments started. The initial payment occurred XX/XX/XXXX as an autopay. I switched repayment plans and my next payment was in XXXX XXXX covering XXXX 's payment on the new plan as well as XXXX 's. From that point, the monthly payment was supposed to be around {$260.00} that varies a little based on month length and maybe interest rates, or maybe loan reductions by the Biden administration. 

For reasons I can't figure out, starting in XX/XX/XXXX Nelnet has split my autopay due date into a XXXX dollar payment for XXXX student loans and a repayment of the grad school loan payments into a different due date. I think it might be associated with Nelnet getting folded into studentaid.gov. Unfortunately, autopay knows to XXXX  out my balance on the XXXX XXXX due date but it is taking the full XXXX payment on the grad school loan payments which should be around XXXX. My best guess is your backend dev pulled the payment values from a database instead of the function defining the values when the studentaid.gov change happened. Or I had to manually set the autopay value when I set it up which is terrible system design. In either case, there is no way I'm the only person this has happened to. 

My complaint though is that I can't edit my autopay electronically to stop them automatically overcharging my account. The only option they provide is to increase my payment amount. Additionally, the option to contact them electronically is not listed on their contact us page. Instead it is in a hard to find place on your personal dashboard page.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: MN

Complaint narrative:
XX/XX/year> I found a hard inquiry from XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX. I called them and explained that I never applied for credit. I demanded that they provide details and they refused. They suggested I complain to TransUnion and the FTC.

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