vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I just hung up with a representative at Citibank as I was trying to find out if my social security check was pending. I specifically called before transferring my direct deposit from my credit union to Citibank for the earlier pay option which I was told that if the deposit is pending, the funds were released. I asked who was the governing regulator for Citibank during the call and was told " The Federal '' and nothing else. I then said the The Federal Reserve?, to the rep and she responded yes. This has been nothing but XXXX abrasive communication whenever speaking with Citibank and the calls are never polite and helpful. I am filing a complaint against Citibank as my equal credit opportunity rights have been repeatedly violated. This bank appears to be doing any and everything to cause XXXX customers choosing to close their account without verbally out right saying it. I noticed the sudden concern when I mentioned the CFPB. I was hoping for fair treatment but never happened. Another race who is XXXX that's my neighbor close by said they honor the deposit if the payout has presented the funds from a reliable resource such as government funds. I was told under no circumstance I have to wait until the day of check instead.

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 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Torriere Holdings INC
State: AK

Complaint narrative:
Dear XXXX XXXX XXXX, We're contacting you from Spire Recovery Solutions about your account ( XXXX. We offer flexible arrangements and settlement options. Please contact us : Call : XXXX Text Online : https : //portal.spirerecoverysolutions.com/Login Your prompt response is appreciated. Note : This is an attempt to collect a debt and any information obtained will be used for that purpose. Thank you Text STOP to opt out

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX. I attended from XXXX. As a matter of fact, XXXX XXXX XXXX XXXX, was investigated by XXXX for XXXX XXXX XXXX XXXX XXXX. It is a part of the XXXX XXXX XXXX XXXX Lawsuit. 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, XXXX XXXX XXXX XXXX, Other students were able to file a Borrower Defense claim with the Dept. of Education against XXXX XXXX XXXX XXXX, and their Fed. loans were discharged and credit repaired. 
My Borrower Defense Claim was also part of the XXXX XXXX XXXXXXXX settlement for which I was a full class member. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LCI Acquisition Inc.
State: FL

Complaint narrative:
To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - 1996 Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX  XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be 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 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I never agreed to information sharing with a company I never agreed or signed a legal binding contract with XXXXXXXX XXXX I never signed a contract with this company My information was shared by Navy federal without my permission XXXX stole my information They do not have my permission to report inaccurate accounts with balances Thats a charge off And late payments is violated my consumer rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: NJ

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2024, I requested a fraud alert be placed on my credit report/profile through Experian. I had found out my personal information has been compromised through the XXXXXXXX XXXX XXXX data breach and possibly other company data breaches. 

I successfully requested the fraud alert and when notified that the fraud alert had been placed on my report, I reviewed the message on the alert. The alert requested any potential credit issuers verify with me through a phone call before extending any credit. However, THE PHONE NUMBER WAS WRONG. Someone at Experian inputted the wrong phone number as it is off by 1 digit. This must have been a manual typo/mistake, because the correct phone number is referenced throughout the rest of my credit profile. The fraud alert had additional grammatical errors in it as well, but the fact that they had an incorrect phone number was the most concerning aspect. 

I was notified on the credit report that I could not request a change to the fraud alert online and that I had to call customer service. 

Well, the customer service phone number is manned by an automated attendant. The automated attendant would not recognize my request to change a fraud alert. It would only allow me to add/lift a freeze or add/remove a fraud alert. It would not allow me to reach a customer service representative. So, I had to WRITE A LETTER and send it via surface mail, quite possibly the most inefficient manner of communication in modern times, to fix a problem CREATED BY Experian. 

THEY SHOULD NOT BE ALLOWED TO BLOCK CUSTOMERS FROM REACHING A HUMAN BEING REPRESENTATIVE. Experian should be held accountable for its actions, especially concerning the extremely important and personal information to which it has access and controls. This is unacceptable and just ONE MORE example of how large companies have NO ACCOUNTABILITY.

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 2024-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
DEAR SIRS/ DIRECTOR C.F.P.B CONSUMER PROTECTION USA. 

THE CLIENT AND SOCIAL SECURITY DEPOSIT IN XXXX XXXX ON XX/XX/XXXX RECEIVE NOTICE OF SOME COMPANY CASH APP HAS BEEN TAKEN OF MY ACCOUNT XXXX XXXX THE AMOUNT OF {$30.00} WITHOUT MY AUTHORIZATION. {$10.00}, {$10.00}, $ XXXX Cash App XXXX XXXX, XXXX XXXX XXXX, CA XXXX Call us at ( XXXX ) XXXX Available daily, XXXX XXXX XXXX ET MY BANK OFFICER INMEDIATELY CHANGE MY DEBIT CARD FOR ANOTHER TO AVOID FUTURE REPETITION FRAUDE. 

I WAS CALLING AND REPRESENTANT OF CASH APP WAS WORKING SINCE HER RESIDENCE AND NOT INTO COMPANY CASH APP. 

XXXX XXXX XXXX XXXX DO NOT CARRY ANY CARD CASH APP NOR HAS ACCOUNT WITH CASH APP. 

DBT CRD XXXX XX/XX/XXXX XXXX -- XXXX  XXXX BALANCE ADD -- XXXX XXXX  XXXX # XXXX XXXX {$10.00} DBT CRD XXXX XX/XX/XXXX XXXX -- XXXX XXXX BALANCE ADD -- XXXX XXXX  XXXX # XXXX XXXX {$10.00} DBT CRD XXXX XX/XX/XXXX XXXX -- XXXX XXXX BALANCE ADD -- XXXX XXXX  XXXX # XXXX XXXX {$10.00} Operacion realized XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: NC

Complaint narrative:
I'm still im disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like for this item to immediately be re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX ( XXXX ) In accordance with the fair credit reporting act, public law 91-506, TITLE VI SECTION 611.PLEASE provide the names and updated copy or my credit report after reinvestigation.I request because of these inaccuracies that this account be deleted off my credit report.EQUIFAX AND XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: NC

Complaint narrative:
I'm still im disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like for this item to immediately be re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX ( XXXX ) In accordance with the fair credit reporting act, public law 91-506, TITLE VI SECTION 611.PLEASE provide the names and updated copy or my credit report after reinvestigation.I request because of these inaccuracies that this account be deleted off my credit report.EQUIFAX AND EXPERIAN.

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 2024-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Every single time I attempt to sign into pay my student loans or manage my account I am forced to change my password because the old one is no longer valid. I can quite literally enter a password that no longer works for five minutes. I believe this is intentional force borrowers into making late payments and paying additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I have a CapitalOne Quicksilver credit card. 
I first used it in XX/XX/XXXX. 
The payment due date is the XXXX of the month. 
I usually pay early on the XXXX of the month, see attachments. 

Payments made : XXXX XX/XX/XXXX - {$500.00} XXXX XX/XX/XXXX - {$500.00} XXXX XX/XX/XXXX - {$300.00} XXXX XX/XX/XXXX - {$300.00} XXXX XX/XX/XXXX - {$500.00} XXXX XX/XX/XXXX - {$300.00} XXXX XX/XX/XXXX - {$200.00} ( I setup auto pay this month ) XXXX XX/XX/XXXX - {$500.00} extra payment XXXX XX/XX/XXXX - {$200.00} ( autopay ) XXXX XX/XX/XXXX - {$200.00} ( turned off auto pay this month ) XXXX XX/XX/XXXX - {$300.00} XXXX XX/XX/XXXX - {$300.00} XXXX XX/XX/XXXX - {$100.00} ( I made an extra payment to access the payment summary for the screenshot ). 

I was charged a {$40.00} late fee for XXXX and again for XX/XX/XXXX ... for paying early. 
I made 11 payments in 8 months, most of which were before the due date, not one late. 
I can't be the only person this is happening to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I have a total of 6 student loans. The loans were originally under Nelnet Servicer but in XX/XX/XXXX all were transferred to XXXX XXXX. 
According to XXXX Credit Bureau they are reporting 12 student loans in my credit report. Instead of showing the actual 6 loans under XXXX. Its showing that I have 6 under XXXX and 6 under Nelnet which is INCORRECT. 
I spoke several times to the credit department at Nelnet and they said that they transferred all 6 student loans to XXXX and XXXX should have continued those 6 loans but instead OPENED 6 new credit lines and this is what has caused the error on my credit report. Nelnet said only XXXX can rectify this issue because it was their error. 
I have been going back and forth with XXXX provided all documents needed and they still failed to resolve the issue. I first reported the issue beginning XX/XX/XXXX a supervisor at their credit department told me it would be fixed in 2 weeks. Its been almost 2 months and absolutely nothing has happened. Due to this error my credit report is showing my student loan debt to be doubled the amount of what it actually is, its showing {$82000.00} in student loan debt which is completely FALSE. 
This is greatly impacting me in my finances. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a total of 6 student loans. The loans were originally under XXXX XXXX but in XX/XX/XXXX all were transferred to XXXX XXXX. 
According to Experian Credit Bureau they are reporting 12 student loans in my credit report. Instead of showing the actual 6 loans under XXXX. Its showing that I have 6 under XXXX and 6 under XXXX which is INCORRECT. 
I spoke several times to the credit department at XXXX and they said that they transferred all 6 student loans to XXXX and XXXX should have continued those 6 loans but instead OPENED 6 new credit lines and this is what has caused the error on my credit report. XXXX said only XXXX can rectify this issue because it was their error. 
I have been going back and forth with XXXX provided all documents needed and they still failed to resolve the issue. I first reported the issue beginning XX/XX/XXXX a supervisor at their credit department told me it would be fixed in 2 weeks. Its been almost 2 months and absolutely nothing has happened. Due to this error my credit report is showing my student loan debt to be doubled the amount of what it actually is, its showing {$82000.00} in student loan debt which is completely FALSE. 
This is greatly impacting me in my finances. Please help.

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 2024-05-01 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: 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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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