vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express has failed to adhere to its XXXX bonus XXXX direct deposit promotion. I have fulfilled all requirements and still no bonus posted to my account. Other bank users have had bonus to their account within 6-10 days. American Express checking needs to fix this. Customer service is useless and clueless. I have had direct deposit posted on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: NY

Complaint narrative:
I'm reaching out with deep concern about two fraudulent XXXX XXXX accounts that have reappeared on my credit report, despite my previous efforts to have them removed due to identity theft. The details of these accounts are : XXXX XXXX Account Number : XXXX Balance : {$930.00} XXXX XXXX Account Number : XXXX Balance : {$460.00} Upon discovering these unauthorized accounts last year, I promptly disputed them with the credit bureaus and was under the impression they had been permanently removed. Their unexpected reappearance has severely impacted my credit standing and resurrected the XXXX and stress of being a victim of identity theft. 

The recurrence of this issue is immensely frustrating. As someone who values their financial health, it feels unjust to continually combat the effects of criminal actions that I had no part in. 

I kindly request an immediate and thorough investigation into these accounts to ensure their permanent removal from my credit report. It is critical that my credit report accurately reflects my own financial behavior, and I rely on your agency to protect and uphold this right. 

Thank you for your urgent attention to this matter. I hope we can swiftly rectify this situation to prevent any further disruptions to my financial well-being. 

Sincerely, 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 2023-10-20 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: NY

Complaint narrative:
I'm reaching out with deep concern about two fraudulent XXXX XXXX accounts that have reappeared on my credit report, despite my previous efforts to have them removed due to identity theft. The details of these accounts are : XXXX XXXX Account Number : XXXX Balance : {$930.00} XXXX XXXX Account Number : XXXX Balance : {$460.00} Upon discovering these unauthorized accounts last year, I promptly disputed them with the credit bureaus and was under the impression they had been permanently removed. Their unexpected reappearance has severely impacted my credit standing and resurrected the XXXX  and stress of being a victim of identity theft.

The recurrence of this issue is immensely frustrating. As someone who values their financial health, it feels unjust to continually combat the effects of criminal actions that I had no part in.

I kindly request an immediate and thorough investigation into these accounts to ensure their permanent removal from my credit report. It is critical that my credit report accurately reflects my own financial behavior, and I rely on your agency to protect and uphold this right.

Thank you for your urgent attention to this matter. I hope we can swiftly rectify this situation to prevent any further disruptions to my financial well-being. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: IN

Complaint narrative:
I am supposed to be in deferment because I am in XXXX XXXX They are charging me {$500.00} / month in loans but Im am literally enrolled in XXXX XXXXXXXX  and sent them the information that they wanted. They are unable to provide me a timeline of when i can be deferred, which is crazy. I should be deferred. I am in XXXX i did the process, followed the directions, they are not upholding their end. They had told me 3 day turn around, then it was 15 day turn around, now they dont know. This is the third submission on t for deferment. I should have to submit 1 time. XXXX XXXX submitted deferment in XXXX. I submit in XXXX and XXXX. Nelnet is not processing it and not pausing my payments. They also didnt put me on the SAVE program that I had signed up for in the time its taking them to process my deferment. They are performing illegalities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: NY

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 2023-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
I received a letter from American Coradius International LLC stating that I owe {$110.00} on {$29.00} that I owe to XXXX XXXX. The issue is that I don't and have not had a XXXX a balance owed. There are no delinquencies listed on my credit report. I never received a notification from XXXX that I owed the {$29.00} and only learned about once I received the letter from ACI claiming they were trying to collect a debt. This is 100 % fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
On XX/XX/2023, my home loan transferred from HomePoint Financial to Mr Cooper. 
During the service transfer, there was an error in the payment data. An old and invalid payment method was set as the favorite/primary. 

On XX/XX/2023 I attempted to make a payment using the online portal, the check was returned and a fee of {$20.00} was assessed due to " returned check ''. After further research within the portal and payment details, i discovered that the invalid payment method was set as the primary. This should not have happened since I have been making successful payments using the accurate details prior to the servicing transfer. 

On XX/XX/2023, i called the customer service line to request the fee be waived. The associate advised that the fee can not be waived unless it is due to fraud or a fault of the servicer. I attempted to explain the situation with the servicing transfer and the incorrect payment details being applied as part of that transfer, however the associate continued to advise that the fee will not be waived as it is not their fault. 

When asked to speak with a member of management, the associate advised there is no management available. I inquired as to if there was anyone else available to assist the individual with escalation, and the associate advised there is not, they work from home and can submit a request for management to call back within 24-48hr.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TX

Complaint narrative:
improper use of credit report and reporting company used my report improperly

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 2023-10-20 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: NC

Complaint narrative:
On XX/XX/2023 a credit account was opened in my name by someone other than myself at XXXX XXXX XXXX XXXXXXXX XXXX ). I caught it almost immediately and I contacted their fraud department. After a brief investigation, I received a letter from the company 's fraud department on XX/XX/2023 stating " The account in your name has been closed '' and " we have notified the consumer reporting agencies to remove the account from your consumer credit report ; however this process could take several weeks to be fully completed ''. 
On XX/XX/2023 I noticed that the XXXX on my Equifax credit report was still there so I filed a dispute. Equifax sent me a report stating that " inquiries are a factual record of file access ''. I then contacted the fraud investigator at XXXX XXXX ( I have the case number and her contact info if needed ). She said that the case has been closed and that her records indicate that a request to remove the credit inquiry was already sent to Equifax and there is nothing else that she can do. 
I then filed a 2nd dispute with Equifax explaining the situation and sent them a copy of the letter I received from XXXX XXXX 's fraud department. This morning, XX/XX/XXXX, I received the same report from Equifax " inquiries are a factual record of file access ''. 
I called Equifax and they said that when you file a dispute online, it is sent to the creditor to confirm or deny. From what I understand, XXXX XXXX is confirming that the inquiry is legitimate- I am assuming it is a different department and they still have it in their system. Equifax told me that they wont do anything to help me remove the inquiry without supporting documentation. This is very frustrating since I already sent them the fraud letter. Their recommendation was to file a report here. I am not really sure where to go from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TN

Complaint narrative:
I called the daycare to inquire about enrollment for my child. They did not return my call until days later, informing me that they can enroll her that same day. I advise them that I no longer needed their service. The Director sent me a bill stating that because I asked about enrollment, she enrolled my child Which is unfair how can you enroll someone and we do not agree to enrollment so she is charging me be an enrollment fee

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XX/XX/2023 I was in XXXX in XXXX Georgia and my debit card with Branch Bank was ran three times and it was {$55.00} over what they should have ran it for I immediately brought that to their attention before I even left the store and they said oh well if you look at the receipt truly they only had two transactions that came out not the XXXX and that it would take 24 hours for them to clear their system anyways and I would have to get with my bank. Did that and they're telling me it could it's going to be 90 days I don't see how that is even fair I mean this is not my error that one of them messed up I mean I gave them the contact information pick up the phone and call I mean y'all have technology and why why do I have to suffer I'm unemployed my power got cut off because of this I mean I have gone through just trying to get answers from these people and I'm getting the runaround they can't even tell me how they're trying to contact the merchant All they're saying is they're trying to contact the bank well it doesn't take that long to contact the bank I mean shouldn't be like this I shouldn't have to suffer they need to give me a temporary credit like everybody else in America gets I feel

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 2023-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX sent my account to collection on XX/XX/23. This is for a bill that was paid due to my credit card expiring. The payment was made. But they still sent the account to collection. I reached out on several occasions to have the collection removed from my credit report. They have refused to remove the account.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
This account is showing on my report as closed as of XX/XX/2023. Today, a late payment was hit on my account, dropping me XXXX points. I do not understand how a closed account with no history of late payments can suddenly do this and drop me XXXX points. If this account is closed, it should not be able to make updates to my report 3 months later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had fraud in my account, I submitted a fraud investigation via Capital One. Capital one made the decision to freeze and close my accounts and will not give me access to the funds in my acct despite telling me I could go to the branch and get it. I left work early and drove an hour to the branch and was refused access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I reviewed my credit report and found accounts that are not mine. I also found inquiries that were not made from myself. I have attached the report I made with identity theft.gov. This report goes more into detail of what I am reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I deposited a $ XXXX check from my family trust on XX/XX/XXXX, they said the funds would be released on XX/XX/XXXX at XXXX. They did not release until XX/XX/XXXX. No one will give me a reason why two days 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 explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter to XXXXXXXX XXXX that indicated the illegality in reporting in accurate information and reporting late payments as delinquencies that are actually transactions. 

XXXXXXXX XXXX  has reported 3 accounts to the XXXX bureaus. Initially all 3 account numbers were listed as XXXX .... 

I first pointed the inaccuracies out to XXXX and TransUnion, but instead of removing the two derogatory accounts and posting the goodstanding account, XXXXXXXX XXXX was afforded the opportunity to correct and update the information. 

The accounts changed to XXXX and XXXX. 

XXXX is the account number for the derogatory account and the account that I worked hard to pay for 3 years prior. 

When I pointed out the illegality of the late payments being reported because they were actually transactions, I asked XXXX XXXX to reverse the late payments to OK or paid as agreed. 

XXXXXXXX XXXX decided to delete the goodstanding account as retaliation instead of deleting or investigating the derogatory entries.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter to XXXXXXXX XXXX that indicated the illegality in reporting in accurate information and reporting late payments as delinquencies that are actually transactions. 

XXXXXXXX XXXX has reported 3 accounts to the XXXX bureaus. Initially all XXXX account numbers were listed as XXXX .... 

I first pointed the inaccuracies out to Equifax and XXXX, but instead of removing the two derogatory accounts and posting the goodstanding account, XXXXXXXX XXXX was afforded the opportunity to correct and update the information. 

The accounts changed to XXXX and XXXX. 

XXXX is the account number for the derogatory account and the account that I worked hard to pay for 3 years prior. 

When I pointed out the illegality of the late payments being reported because they were actually transactions, I asked XXXX XXXX to reverse the late payments to OK or paid as agreed. 

XXXXXXXX XXXX decided to delete the goodstanding account as retaliation instead of deleting or investigating the derogatory entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have gave ALL parties 3 times to cure. I have requested info on the investigation, also proof of my wet signature on the contract stating I would pay the alleged debt. This account have been removed twice and XXXX Continues to repost the account without sending me any communication. 15 USC 1692. The following parties have violated my rights and with the help from the CFPB I will seek damages. I demand accounts be deleted IMMEDIATELY!!! PLEASE SEE ATTACHMENT XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I have been trying for the last 3 years to catch XXXX back car payments up, even doubling up on my payments every month but no matter how much I pay they keep adding charges on to it and I'm still falling behind and it's showing my payments are always late on my credit report. No one I've talk to has been able to help me. They say " well, it's going down '' ... .NO, it's going UP!! They were supposed to put those two payments at the end of my loan so I don't know what's going on or how to fix it. I can't pay no more than I'm paying now and I'm thinking of getting a lawyer to resolve 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 2023-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
My lender lied through my application and beyond closing. He now I see lied and said he did my application gave to face when I never met him till closing day. Then he lies and tells me Im getting in on a great opportunity because HUD has a new no money down no closing cost and Id be the first person to get in on it. He said the second mortgage would be forgiven by hud and only XXXX then forgiven. I told him XXXX was too much for me to afford and then comes back and tells me its down to XXXX. I was told I would receive a loan payment at closing which I didnt. The lender lied and said I told him I was XXXX when I was face to face with him and I never told him this. I go after closing get the first statement and its XXXX I go to XXXX and ask him what this was and he says I forgot to tell you before closing I couldnt get you down. I also told them my name was wrong and I was told it didnt matter. So I also asked for the XXXX - original Note And was told I cant have any of that or ledgers for my transaction. I was told that I would be foreclosed on because I was inquiring. I was not given full disclosure and mortgage unjust was committed by the lender from start to finish.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capitol one denied me credit based on credit report from one or more agencies number of bank cards in last XXXX months

Company response to consumer: Closed with explanation