vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 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: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
Transworld Systems Inc responded to my CFPB complaint with insufficient evidence regarding the account XXXX. I instructed this company to verify that I have entered a legally binding consumer credit transaction with Transworld Systems Inc. They have not provided that however they have submitted pdf documents of information they received from another company in which that does not prove XXXX owe XXXX anything. Now according to 15 USC 1692 ( f ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. The document I received violated this law along with 15 USC 1692 ( e ) ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. This company has not verified the debt nor can they provide first hand knowledge regarding the account. I have contacted you multiple times to give you a chance to rectify the account in question your willful noncompliance will be considered aggressive and you will be liable in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: CA

Complaint narrative:
On XX/XX/2023 I went to XXXXXXXX XXXX XXXXXXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX, CA as a new patient transfer from my old dentist ( who used the same computer database, XXXX ). I was told as a new patient I needed extensive x-rays and a cleaning. The total out of pocket was going to be in excess of {$100.00}. I explained that I had a primary and secondary insurance ( XXXX XXXX XXXX  CA ) with my employer and my husband 's. Due to the fact that my XXXX XXXX wasn't showing up in their system yet, they told me to wait until they were able to bill the insurance, as needed, before payment, which at that time was in or around {$100.00}. I received an email from XXXX XXXX on or around XX/XX/2023 stating I had an outstanding balance of {$95.00}. I promptly paid that bill using their online payment system. The amount was debited from my bank account On or around XX/XX/2023. On XX/XX/2023 I received a bill from XXXX, which appeared to be a debt collection agency. The date on the letter was XX/XX/2023 and the total amount due was {$95.00}. I immediately called XXXX XXXX XXXX and asked about the debt. I was told by the accounts representative that my account was at a XXXX balance and I didn't owe any money. She confirmed I paid the balance via the online system. However, she did read information in the computer that showed that my account was " referred '' to Tek Collect. She assured me is was not in " collections '' however, the letter I received stated that if I don't contact their agency by XX/XX/2023 to arrange payment, the collections process would continue. I asked again for the information regarding my account to be emailed to me by the end of the day, and I didn't receive it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was incarcerated from XX/XX/2023 to XX/XX/2023 at XXXX XXXX XXXX XXXX. When I was arrested Police took my property including my debit card ending in XXXX and my cell phones and credit card. I was incarcerated the entire time pending trial. When released I checked my account and noticed I was missing XXXX due to someone using my debit card for the purposes of buying clothes and miscellaneous items online. When I noticed this I contacted XXXX XXXX who told me to put in a dispute which I did. I was denied but the agent told me that they didn't see my documents which included my property list and incarceration documents. So they told me to resubmit and add those documents which I have. I will attach the documents including the transactions. I am needing those funds reimbursed to me because since that it has put a heavy Hardship on me financially especially being I was just released from incarceration it hasn't been easy, and dealing with this has put a burden on my capabilities. Below are the following laws that should be adhered to and abided by in situations as such Electronic Fund Transfer Act ( EFTA ) : In the U.S., the EFTA provides consumers with certain rights, including protections against unauthorized electronic fund transfers. If a customer reports unauthorized transactions promptly, their liability for such transactions is limited.

Regulation E : Under Regulation E, which implements the EFTA, banks are required to investigate and resolve errors related to electronic fund transfers, including cases of unauthorized transactions. Consumers typically have a limited time to report such errors. 


I reported this incident and I just want my funds returned to me. Ive done everything on my end

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Yesterday I received a {$200.00} check from Wells Fargo ( ref. number XXXX ) for an error that may have occurred when my mortgage was considered for payment assistance options. I called Wells Fargo and ask them what error occurred and when. The agent was unable to provide that information to me. I had submitted a complaint to CFPB in XXXX XXXXnd on XX/XX/15 Wells Fargo replied that No error was found and the case was closed. 

I believe this {$200.00} check is an attempt by Wells Fargo to limit their liability to customers under the recent CFPB enforcement action. The letter I received with the check is from Wells Fargo Customer Care - Remediation. Given the fact that Wells Fargo gave me a quote for over {$22000.00} to reinstate my my mortgage, when in reality the amount was {$11000.00}, I think CFPB might want to look at what customers and what payments are being made under the enforcement action.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Hi my name is XXXX XXXX Somebody use my information on credit buy stuff Best buy city bank XXXX XXXX I tried to dispute but they refused... 
It drawning my credit score

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 2023-12-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.

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 2023-12-12 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: IN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.

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 2023-12-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I started a business account with Truist bank XX/XX/2023 I've had a total of 2 check deposits with one not being honored because it is a large lump some. The check was cleared by the issuing bank XXXX XXXX XXXX XXXX I waited the 7days needed since I was a new account and in result they are still holding the released fund from the other bank and closing my account because I asked for answers, Truist is the worse bank EVER and any companies/businesses looking to open an account with them should beware.

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 2023-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been pursuing a portion of the settlement agreed to by Wells Fargo and you, the CFPB since XXXX of XXXX. I submit q complain, you forward it to them, they " investigate '' ( them selves ) and find no wrong doing on their behalf, and the complaint gets closed. 
Wells Fargo continues to play XXXX, and refuse to provide information regarding their operations and administration of the settlement. Even after I've provided documentation to them and you, showing they misled and withheld information regarding a mortgage modification in XXXX. 
Now, you are once again investigating the bank regarding " equity stripping '' on mortgages. How long will you allow this dirty bank to continue to operate. They have been party to numerous investigations and found guilty of many, and settled others. Please get to the source, and make them pay what they owe to the consumers they robbed. and/or put them out of business. They are exactly what is wrong with our banking system. And at this point you are enabling them, so you can continue to fine them, and receive settlement $ $ s.

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 2023-12-12 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: TX

Complaint narrative:
I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: U.S. BANCORP
State: TN

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Family Education privacy Act of 1974. my school loans should not be reporting on my credit reports.

15 US Code 1679 ( c ) Disclosure. Under the law any items reporting after 7 years must be removed from your 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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Family Education privacy Act of 1974. my school loans should not be reporting on my credit reports. 

15 US Code 1679 ( c ) Disclosure. Under the law any items reporting after 7 years must be removed from your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My Equifax information has been breached, here is the proof. They refuse to delete these accounts, so please delete these from my credit reports immediately. As I was a victim of this data breach. 

XXXX XXXX XXXX XXXXAccount XXXX XXXX XXXX *Account XXXX XXXX XXXXXXXX *Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX *Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXAccount XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
My husband passed away on XX/XX/23. I called my mortgage company to see if we had credit life insurance and was told we did.My mortgage was then was then sold to a new company on XX/XX/23. I have made no payments since because I was told we had the creidt life insurance. Now the new company is badgering me about my account being delinquite.I have been trying to reach my previous mortgage company but all I get is automated and they tell me to contact my new mortgage company. I don't want to lose my home but I did not know to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
On XX/XX/23, I submitted a consolidation application for an existing parent plus loan. As part of the application, I requested an IDR payment plan since our household is low income and we can not afford the standard payments. On XX/XX/23, the consolidation was processed, however Nelnet informed us that in order for the monthly payment to reflect our stated taxable income ( {$0.00} ), we need to submit a self-certified letter stating we have no taxable income. 

We provided the requested letter on XX/XX/23. Nelnet stated they would respond within 15-20 days, but we never received additional correspondence. We re-uploaded the letter on XX/XX/23, and Nelnet again stated they would respond within 15-20 days. We never received a reply. 

My son-in-law called Nelnet on XX/XX/23 to ask when the payment will be updated to reflect IDR. After waiting on hold for 90 minutes, the representative told him that the letter needs to be signed by both myself and my husband, not just myself. 

We uploaded a new letter on XX/XX/23 signed by both myself and my husband. Nelnet stated they would respond in 15-20 days. We have still not received a response and their stated timeframe has now passed. We are now past due on our payment due to how long Nelnet has taken to update our account. We can not afford the current monthly payments. Nelnet failing to communicate with us in a timely manner is the reason we are currently past due, and if they do not take action soon we will fall further behind through no fault of our own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: MA

Complaint narrative:
see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See document attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I am the beneficial equitable title holder & I brought my over the counter securities to this person in good faith for a line of credit. I put an application in several times, just to be discriminated against multiple times, those applications I put in with this person was a binding contract. I brought consideration to the table & this didnt. 

In turn they left me with hard inquiries on my reports & no benefits

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
i have been getting calls from Portfolio recovery for years over a debt that iiiis not mine. it's the same name but not exact to my own. ive asked them to send me the info showing i applied for the credit and they have not been able to show anything. the statement they provided is for a " XXXX XXXX '' however i have never gone by that name ever especially when applying for credit. it's a XXXX name not a legal name. I asked for them to verify the actual applicaation submitted to the creditor and all they submitted to me was a statement which proved nothing as i suspected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didnt follow XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
i have been getting calls from XXXX recovery for years over a debt that iiiis not mine. it's the same name but not exact to my own. ive asked them to send me the info showing i applied for the credit and they have not been able to show anything. the statement they provided is for a " XXXX XXXX '' however i have never gone by that name ever especially when applying for credit. it's a XXXX name not a legal name. I asked for them to verify the actual applicaation submitted to the creditor and all they submitted to me was a statement which proved nothing as i suspected.

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 2023-12-12 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: PA

Complaint narrative:
XXXX XXXX  I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
FOR XXXX YEARS AFTER FILING XXXX PROR COMPLAINTS WITH CFPB COUNTRY WIDE MORTGAGE HAS CONTINUED TO MISAPPLY MY PAYMENTS AND MOST RECENTLY APPLIED MY LARGE PAYMENT TO SOMEONE ELSES ACCOUNT. THEY HAVE CONTINUED TO FALSLEY REPORT LATE PAYMENTS TO THE CREDIT BUREUS AND I CONTUE TO SPEND HOURS WRITING LETTERS, SENDING COPIES OF CACELLED CKS, AND FINALLY CONTINUE TO NOT GET ANY RESULT THAT WOULD INDICATE THAT THESE MIS APPLIED PAYMENTS WOULD NOT LONGER CONTINUE.

Company response to consumer: Closed with non-monetary relief