vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
For some reason my Line of Credit has 3 account numbers : XXXX / XXXX and XXXX. XXXX & XXXX charge 3 % interest and XXXX charges 10.69 %. My problem is that when I pay the request amount due on account XXXX only a portion of that payment is posted to XXXX, the remainder is posted to one of the other 3 % interest accounts even though I had requested on line, in person at the Truist Bank and have written on my checks that the payment is for the XXXX account only. 

This has been done several times. The Truist Banker in XXXX XXXX XXXX had spent 1 hour with me as she spoke to 5 people at the Truist Processing Center with no satisfaction. The banker told one of the Processing Center people that she did not understand the problem and could understand how the customer was confused. 

For example on XX/XX/2023 Min payment due on account XXXX was {$120.00}. I paid by check {$120.00} with a note that the payment was specifically for account XXXX. When I received my statement I found that {$9.00} went toward the principal, {$29.00} toward interest and {$2.00} for hazard insurance. Where did he remaining amount go? At this rate I'll never get the XXXX account paid off!

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Companies involved : Great Lakes Borrower Services and Nelnet. 
XX/XX/XXXX - I received a paid in full email from Great Lakes. It was a XXXX XXXX. XXXX ref number : XXXX. 

XX/XX/XXXX - With the XXXX loan forgiveness program, I called Great Lakes to look into getting a refund on the below amounts. 
Refunded Refund ID Reason for Refund {$5300.00} XXXX REFUND BEING MADE DUE TO BORROWER 'S REQUEST TO HAVE FUNDS RETURNED. 
{$2000.00} XXXX REFUND BEING MADE DUE TO BORROWER 'S REQUEST TO HAVE FUNDS RETURNED. 

The Great Lakes customer service representative stated that they can refund the account that made the payment, and I would be receiving a " balance '' for that amount, but that was just normal protocol, and I would not have to pay that amount back. 

XX/XX/XXXX - I received an email which stated that my debt was being sold to Nelnet and the email requested that I setup an account so I could service my debt through Nelnet. I ignored the email since Great Lakes told me that the debt amount was essentially a placeholder, and I did not have to pay it back. 

XX/XX/XXXX - I received a phone call from Nelnet saying I must sign up for a new account in order to service the debt. I asked why I need an account for a placeholder amount that I don't need to pay back. Nelnet replied and said I have an outstanding balance of {$7300.00} that I would need to pay back pending the outcome of the legislation/appeal related to XXXX loan forgiveness plan and the supreme court ruling . 

I called Great Lakes to clarify, and they confirmed the above from Nelnet. I explained that on XX/XX/XXXX, the customer service representative said the amount does not need to be paid back, to which they replied " we're sorry that they incorrectly explained that to you. '' I would like to have that debt alleviated, if I had known this was the case, I would have just left the debt paid in full and not pursue any type of forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: GA

Complaint narrative:
XXXX, XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To Whom It May Concern : As per 15 USC 1692c ( c ) I am notifying you to cease all further communication regarding any alleged debt through any medium. After being harassed for months, violating 15 USC 1692a ( 3 ), about a debt I do not own and using threats in an attempt to collect the alleged debt, I invoke my right to this specified remedy as per 15 USC 1692c ( 2 ) : - Pay the invoice attached. 
- Deletion from all consumer reports Any correspondence excluding a notice of receipt of this letter and paying the invoice from you will be documented and sent to the appropriate agencies regarding your violations. Please be advised that if communications continue, I will file complaints with the Federal Trade Commission and the local attorney generals office. 


Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
{$48000.00} in fraudulent XXXX charges were made out of my Chase checking account and not by me. It started on XX/XX/XXXX and I caught the fraud and immediately reported it to Chase mid XX/XX/XXXX. Chase has already closed my case and does not want to reimburse me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
Due to an error in automatic payments my mortgage was delinquent for 3 months. Mail to the address was not being delivered because it was being remodeled and the USPS erroneously held my mail without my request to do so. Once my mail was being deivered again I noted the error and made a bulk payment to pay my missed payments. Now that it is on autopay, everything seems to be working. HOWEVER- the mortgage company holds over XXXX in escrow and despite NUMEROUS attempts, they will not mail me a check. Making matters worse, they somehow applied a portion of my escrow balance to my mortgage in the middle of the month without my consent. Now the city is placing a lien on my property and I am unable to speak to a manager at AmeriHome because their representatives are either poorly trained and will not transfer me or they are inept and can not access information on their own system. I feel like they are holding me hostage.

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
An inquiry dated for XXXX Mastercard on XX/XX/23 that I did not do. I have no more information about the account. I got that information from my XXXX credit report. As well as US XXXXXXXX XXXX that I did not inquire either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: TX

Complaint narrative:
The following errors contained in the consumer reports provided to them by your bureau are causing lenders to take adverse actions against 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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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. 

Account name XXXX XXXX XXXX, account number XXXX, Account name - XXXX XXXX  account number XXXXXXXX XXXX XXXX xxxxxxxxxxx XXXX, Account name : XXXX  Account number xxxxxxxxxxx 1631 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 an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states : No consumer repoeting agency may make any consumer report containing any of the followong information. Any adverse item of information, other than records of conviction of crimes which antedates the report of 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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. 

Account name XXXX XXXX XXXX  account number XXXX, Account name - XXXX XXXX  account number XXXXXXXX XXXX XXXX xxxxxxxxxxx XXXX, Account name : XXXX  Account number xxxxxxxxxxx 1631 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 an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states : No consumer repoeting agency may make any consumer report containing any of the followong information. Any adverse item of information, other than records of conviction of crimes which antedates the report of 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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Repetitive Incorrect information on 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 2023-03-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I'm on two interest free programs, one that is 12-months and the other is 18-months. I called and advised I wanted to pay off the 12-month of {$280.00} in full, the representative told me to make the payment and call back to have the money applied to the 12-month plan. 

On XX/XX/XXXX the combined balances on the account were {$1500.00}. I paid {$560.00} that day which would bring my combined balances down to {$1000.00}. I called on XX/XX/XXXX and requested {$280.00} of the {$560.00} payment to be applied to the 12-month plan to pay it off in full. XX/XX/XXXX, I logged on and my balance was now {$1200.00}. The representative did not adjust it correctly and I filed a complaint online which was resolved. The money was readjusted, and my entire account balance was {$1000.00} however, the did not apply the {$280.00} to the 12-month promotional plan, they applied it to the 18-month plan. I called again and submitted a request online, that the funds were applied incorrect and my 12-month plan which still has a balance of {$280.00} should be XXXX and paid in full, and my 18-month plan which now has a balance of {$710.00} should have a balance of {$1000.00}. 

I submitted a request online XX/XX/XXXX and XX/XX/XXXX, requesting the money to be re-applied as I requested on XX/XX/XXXX. To take the {$280.00} from the 18-month plan and to apply it to the 12-month plan to pay it off. The only plan that should be active is the 18-month plan with a balance of {$1000.00}. 

I received the following reply XX/XX/XXXX online : Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies. XXXX XXXX XXXX XXXX XXXX XXXX This is absurd, that after a month, no one at Commenity Bank, can not apply money to an account as requested. I paid off the 12-month plan in full, and my 18-month plan should have a balance of {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
I certify that the information above is true and accurate to the best of my knowledge under penalty of perjury ( under the laws of the United States, if carried out outside the United States ). Moreover, I certify that I am authorized to initiate this dispute under FEDERAL and STATE Legislation. Additionally, I am aware that major factual misstatements or omissions are a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, perjury is a crime under 18 U.S.C. 1621, which makes these lies punishable. My credit report contains a collection that has nothing to do with any purchases I've made. I claim that someone or something utilized my personal information without my consent to apply for products, services, or money and was successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I submitted a cease and desist order to the collection agency and they have not complied with federal laws under FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The Department Of EducationXXXX Is reporting old, inaccurate, unverifiable information on my consumer report. This is a violation of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting. Congress clearly states that the banking system is dependent on FAIR and ACCURATE credit reporting. This company has multiple unverified and duplicate accounts on my consumer report. They all state as follows on my consumer report : DEPT OF EDUCATION/XXXX Potentially negative DEPT OF EDUCATIONXXXX Potentially negative They also each contain 2 late payments. This is unfair inaccurate information that is damaging to my image and also my consumer report. As a result of this I have been discriminated against and denied credit. 
.

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The Department Of EducationXXXX Is reporting old, inaccurate, unverifiable information on my consumer report. This is a violation of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting. Congress clearly states that the banking system is dependent on FAIR and ACCURATE credit reporting. This company has multiple unverified and duplicate accounts on my consumer report. They all state as follows on my consumer report : DEPT OF EDUCATIONXXXX Potentially negative DEPT OF EDUCATIONXXXX Potentially negative They also each contain 2 late payments. This is unfair inaccurate information that is damaging to my image and also my consumer report. As a result of this I have been discriminated against and denied credit. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The Department Of EducationXXXX Is reporting old, inaccurate, unverifiable information on my consumer report. This is a violation of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting. Congress clearly states that the banking system is dependent on FAIR and ACCURATE credit reporting. This company has multiple unverified and duplicate accounts on my consumer report. They all state as follows on my consumer report : DEPT OF EDUCATIONXXXX Potentially negative DEPT OF EDUCATION/XXXX Potentially negative They also each contain 2 late payments. This is unfair inaccurate information that is damaging to my image and also my consumer report. As a result of this I have been discriminated against and denied credit. 
.

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 2023-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase, bank allowed the collection agency to take funds which ARE EXEMPT SSI

Company response to consumer: Closed with explanation