vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Me and my ex-husband, of over XXXX  years, were issued a check from Bank of America for an escrow overage amount. I have made all payments over the last XXXX  years, which included the taxes and insurance. In the divorce, I was awarded exclusive use of the property via his signing of a quit-claim deed. I did all the research and changed homeowner 's insurance overage upon receiving a better price, thus lowering the escrow payments. In the past if an escrow occurred, the check would be made payable to him and myself. This meant if we wanted to cash it, both signatures were required ; if it was deposited, it had to be in a joint account where we XXXX were signers. what happened here is that he went into the account somehow and changed the mailing address and had the check mailed to him. I did not know he had done this, and upon discovering it, I contacted Bank of America. Although my name was on the check with his, they allowed him to cash it without my signature. This particular check did not have the word " and '' between the names, as the previous checks did. But being that we are both on the loan, they should not have made the assumption that the connecting word was " or ''. When I called Bank of America, they told me that he could do that because he is on the loan. So am I ; yet, they refuse to XXXX me any portion of the check. It should have been sent to the property address, where I could have the money since I made the payments and obtained the lower insurance premiums.

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 2024-09-28 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: GA

Complaint narrative:
On My XXXX, XXXX and Equifax Credit Report my name and address is incorrect on my credit report. I need the incorrect names and addresses removed. Also, the XXXX XXXX XXXX amount is incorrect. I have XXXX accounts on my credit that should be removed. I spoke to XXXX XXXX by phone to try to adjust this incorrect amount on my credit. It is still not updated correctly, and I need this incorrect information removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting 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:
On My XXXX, Experian and XXXX Credit Report my name and address is incorrect on my credit report. I need the incorrect names and addresses removed. Also, the XXXX XXXX XXXX amount is incorrect. I have XXXX accounts on my credit that should be removed. I spoke to XXXX XXXX by phone to try to adjust this incorrect amount on my credit. It is still not updated correctly, and I need this incorrect information removed.

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 2024-09-28 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 with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account ( s ) Name : XXXX XXXXXXXX Account Number : XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : 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 ; also states a consumer reporting agency can not furnish a account without my written instructions.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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 with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account ( XXXX ) Name : XXXX  XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX Account Number : 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 ; also states a consumer reporting agency can not furnish a account without my written instructions.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I used my debit card at a atm and my funds never dispensed out the atm machine for {$XXXX} on XX/XX/XXXX, XXXX called chime and disputed the transaction but the declined the dispute without a proper investigation so I filed a appeal on their decision

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am filing this complaint because Navient has unjustly denied my application for a XXXX XXXX XXXX. Despite the XXXX XXXX XXXX XXXX XXXX being legally recognized for its predatory practices, and my federal loans being discharged under the Borrower Defense to Repayment ( BDTR ) program, Navient refuses to discharge my private loans. 

Navient has failed to provide a clear reason for the denial of my discharge application multiple times. I have submitted ample documentation proving the schools misconduct, and yet they responded by stating that their criteria are confidential and proprietary. This lack of transparency feels like a deliberate attempt to avoid discharging my loans. I believe Navient is prioritizing their financial interests over my legitimate claim for discharge, and I feel they are unjustly denying my application without any clear or fair explanation. 

Furthermore, the burden of over {$250000.00} in loans has severely impacted my mental health, career in the military, and my familys financial stability. It is deeply frustrating that Navient has not taken my documented evidence and circumstances into account. 

I am requesting that the CFPB investigate this issue and ensure that Navient provides a transparent and fair review of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MT

Complaint narrative:
I have had a Marcus by Goldman Sachs savings account for many years. I have never over drawn or caused any issue. On XXXX XXXX, at marcus.com, I used XXXX ' XXXX ach eft system to transfer to XXXX from my Iinked external savings account at XXXX XXXX {$100000.00}. Transfer completed and all funds were clearly stated as available after the stated 7 day hold. I then submitted, using the same XXXX ach eft system at marcus.com, the same type of transfer out of XXXX to my linked external savings account at connexus fcu. I have done these same type of transfers on an occasional basis over the years with no problem. At approximately XXXX mst on XXXX 2024, I received a call from XXXX rep XXXX XXXX he XXXX reversed the transfer. After his lengthy and undocumented reasoning for reversing my transfer, I spoke to a supervisor. They said my {$100000.00} could only be ach eft transferred back to XXXX XXXX or after 6 months at XXXX, could be transferred elsewhere. I asked where these requirements were stated on marcus.com. They said the deposit disclosure agreement ( dda ). After rereading all of the XXXX and faqs and finding NOTHING REGARDING limitations on which external linked bank accout I transferred to ( except that it was in my name, and it is ). 
I called on XXXX and received a call back as I requested, from supervisor XXXX. I asked her to tell me where I could find these rules. After waiting lengthy hold times, her best result was paragraph g on pages XXXX and XXXX. To paraphrase, it states XXXX with a Gift or debit card is not allowed, which I do not have and was not using. The {$100000.00} left XXXX savings on XXXX and were back in XXXX. Both supervisors stated on recorded calls, I would earn XXXX interest ( then at XXXX ) for XXXX as well as all days the {$100000.00} was in my XXXX savings. I am requesting I am allowed to transfer my available {$100000.00} to my linked XXXX credit union savings. Once there, my {$100000.00} willbe at XXXX apy. I also want this additional interest of XXXX - XXXX ' apy for XXXX thru the date when my {$100000.00} leaves XXXX to go to connexus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This company is trying to collect a debt that is not mine. This debt is reflecting 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 explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Letter sent to Portfolio Recovery requesting validation of debt. I have not had any follow up communication with said company nor have they been able to validate the debt. Also, filed a dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
We've been trying to use this {$100.00} card. When we tried to use the card, it wouldn't process the transaction. I tried calling the helpline in the back and they told me that the card had already been spent. Upon checking the details, they found that the card was spent in a different state ( XXXX ) from where we received it ( XXXX ). We told them that we didn't spend the amount because we dont live in XXXX  and we weren't in XXXX during the time of that transaction. We also have proof that we were located elsewhere. They asked us to file a dispute to : INCOMM Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We filed it with a case number XXXX. We received an email reply that they did not approve our dispute and no reasons why. We've been trying to reach Customer Service since to understand why our case was denied when we weren't the ones that spent it. We just want a replacement card with our funds on it back and we can not receive any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: GA

Complaint narrative:
XXXX XXXX  account with the credit bureaus. I am writing to dispute the accuracy of information that's on my credit report. According to the Fair Credit Reporting Act Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 
Also according to the Fair Credit Reporting Act, other laws should be followed as well are below but, you have failed repeatedly to take action and delete this damaging information. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681c 15 U.S.C. 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: GA

Complaint narrative:
XXXX XXXX  account with the credit bureaus. I am writing to dispute the accuracy of information that's on my credit report. According to the Fair Credit Reporting Act Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 
Also according to the Fair Credit Reporting Act, other laws should be followed as well are below but, you have failed repeatedly to take action and delete this damaging information. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681c 15 U.S.C. 1681n

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 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
Validation letter sent to LVNV by mail requesting validation of debt. No response from LVNV as of XX/XX/year>. Also contacted XXXX to file dispute with credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> Consumer Financial Protection Bureau- cfpd Subject : Dispute of Credit Report Error Dear Sir/Madam , I am writing to dispute an error I found on my XXXX credit report formally. Please, address the following incorrect information. 

The information I am disputing is as follows : Account Name : Barclays Bank Delaware Account Number : XXXX Description of Error : validate fair credit reporting act In accordance with the Fair Credit Reporting Act, the creditor has violated my rights under 15.USC.1681, section 602 - states I have the right to privacy. 
And, 15 USC 1681, section 604a section 2- states a consumer reporting agency can not furnish an account without my written instructions. 
Also, 15.USCS.1666b- a creditor may not treat a payment on a credit card account under an open or closed consumer plan as late for any purpose. 

This information is inaccurate because this account is closed. The continued reporting on my credit report validates my consumer rights. I kindly request that you investigate the matter and correct the error as soon as possible. 

I would appreciate written confirmation once this error has been corrected. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Our company has been trying to use our business credit card which is the Spark Miles card which was issued by Capital One. They refused to allow us to use our credit card to make purchases stating it restricted it been like this for the past 7 months. We've tried to resolve it with them numerous times but to no resolutions. We refuse to pay a credit card that won't allow us to use the credit card not only does this affect our employees but also our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: MD

Complaint narrative:
( XXXX XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing you pursuant to the Fair Dept Collection Practices Act ( FDCPA ), 15 U.S.C.1692-1692p, to demand that you immediately produce the following documents.

Please Provide me with the following information to validate the dept.

Original Creditor : The name of the original company the extended the credit.

Original Contract or Agreement : A copy of the original contract agreement for the dept.

Statement of Account : A detailed statement of the account, including all transactions and dates. 
Supporting Documents : Any additional documents that support the dept, such as invoices or receipts. 
Signed statement validating the alleged dept from the original creditor. 
The original contract with my alleged signature. Documentation showing that I must pay LVNV Funding for the alleged dept. 
I haven't received all the requested documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: IL

Complaint narrative:
This company is trying to collect a debt that is not mine. This debt is reflecting 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 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: VA

Complaint narrative:
I have a monthly fee added to my Avant credit card accoun. I have never had a monthly fee on this card, never received notification of any fees. Avant said an email was sent XX/XX/XXXX, XXXX I stated I never received an email with a change in fees or conditions. I verified my email address with Avant. Asked several times what the monthly fee was and for the fee to be removed. Neither the agent or supervisor were able to answer my question or resolve my issue. I asked for Avant to resend the email. But Avant agent and supervisor stated they could not resend the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My identity was stolen and used to get an auto credit cards checking 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