vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2023-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
This does not belong to me and this company just placed on my credit file. I have NO XXXX collection. I have requested validation, verification etc and nothing has ever been sent to me. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2022, my Citi Accelerated savings account was closed on suspicion of fraud. I have made several electronic transfers to the Citi account from my XXXX account. I had opened the account on XX/XX/2022 with {$100.00}. Then a few days later transfered {$1500.00} which had settled. Made another transfer for {$2000.00} which was returned to the issuing bank. Then I made two more deposits from the XXXX account totaling {$3000.00}. 

I spoke to a representative on XX/XX/2022, about the account closing to see if anything cleared up and to gain a better understanding as to why my account was being closed. The representative let me know that it was being closed due to fraud. When I pressed the representative to explain further, he explained that it was due to a returned NSF transaction. He also let me know that I could not get my account reinstated and that any funds that were there would be returned to me after a 60-day investigation. According to my accounting that would have meant that {$5100.00} would be mailed to me in the form of a check. The representative stated that a check would be mailed to me. 

I received a check, via XXXX XXXX, for {$2.00} I proceeded to call again the fraud XXXX XXXX number to speak to a representative about my funds and why was I receiving a check for {$2.00}. The call got disconnected when I asked for a ledger of transactions to be sent to me. I spoke to a second representative who was able to tell me to go to the issuing banks and file a claim for funds. I inquired about the funds that had settled in the account for {$2100.00} and why was I still receiving a check for {$2.00}, the representative then told me again that I would have to go to any issuing banks a file a claim for those funds. 

The representative then was able to transfer me to a third representative to handle my bank statement request that would be sent by mail in 10 days or by email in 1 or 2 days. At this point, I am frustrated because email should not take 2 days to receive and I am still out of {$2000.00} in funds. 

I then made another phone call to XXXX in other to initiate the claim but still need to track down the other deposits in order to file claims for them. 

I am still seeking my full funds of {$3100.00} from CitiBank.

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 monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Rocket Mortgage is trying to force me into paying for an additional home insurance policy that I don't need as well as force me into setting up an escrow account. I have already supplied them with documentation that I already have an insurance policy ( see attached ), but they still want me to charge me an additional {$2800.00} for an additional policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was looking at my credit report and notice a collection account that I never had a contract with or signed anything.

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 2023-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I reached out to Nelnet on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). We were behind on our bill and the call started letting me know that I was a month going on XXXX months late. This is for my student loan, which is not federally backed. 

I requested an economic hardship deferral. Immediately I met with let 's get you on an income repayment plan. I explained that my wife had been in a terrible car accident. The rep. still wanted me to do a reduced payment plan. 

I then explained more of the story about the accident and our current circumstances. 

On XXXX XXXX XXXX my wife was in a tragic car accident and was airlifted to a medical center in XXXX XXXX Her car rolled over her breaking all of her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Her surgeries were successful, and she is currently in inpatient rehab in XXXX XXXX 

However, we went through a period where we lost my wife 's income ; she was the primary provider for our household. We are currently swamped with medical bills and trying to make ends meet with XXXX of her income and my adjunct teaching salary of about {$440.00} a month. I am working as hard as possible to obtain gainful full-time employment. I am requesting a deferment/forbearance of this loan until we change our current emergency mode financial situation. 

Then she asked me about my employment. I told her that I was employed at XXXX XXXX XXXX as an adjunct instructor and made {$440.00} ( ish ) a month. She asked if I had tried to get employment... .full-time. I explained that I have submitted numerous applications over the past few months and am still looking for full-time employment. 

She finally stated that we qualify for the deferment but that there are needed documents. I asked for clarification. She mentioned my XXXX pay stub. I asked about what was needed for my wife 's accident. She didn't let me know what document was needed. I sarcastically asked if I need to show a video of my wife in the hospital without the use of her legs. She said sure, that will work. 

I asked how to submit the documents and was not given this information. 

I pivoted to ask about the payoff and if my family could contribute to help. She was more than willing to talk about this part of the process with me. 

This is unacceptable! We are in need and have a legitimate life crisis, and all Nelnet cares about is their money. This reminds me of the illegal tactics that XXXX XXXX was busted for a few years back. 

After the call ended, I went online and emailed support. I don't have an answer yet but the process is still very much... .you need to pay. We can not, at least not right now. 

This process during a trial like we are going through adds to the hurt and pain. Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
XXXX XXXX and XXXX Please make-up your mind You are reporting me delinquent for Citizens one Hone loans as followed for 2019 XXXX Delinquent for XXXX XXXX and XXXXXXXX XXXX DELINQUENT FOR XXXX XXXX AND XXXX XXXX DELINQUENT FOR XXXX XXXX AND XXXX It has been multiple time not one not but minions of times that Citizens has provided you with the current delinquency months yet you XXXX XXXX XXXX XXXX have failed to update it correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Someone made a fake check ( not even my checks or check number ) for almost XXXX and the bank cashed their check taking the money out of my account. The person that made the fake check didn't even sign my name to the check, but someone not even listed as an account holder. 

The bank after I notified them said that I needed to submit an notarized account of what happened and they would return the money they LET because of their incompetency steal from my account that same day. I sent them said form notarized and they received it as they emailed me back stating so. I also talked to the fraud department XXXX times and was assured that the money would be in my account. 

It has been since last week and is still not in my account. When I call and leave messages as I was instructed to do by the fraud dept. for help, no one answers or calls me back. 

I want my money back as it is CLEAR that someone from their bank stole this money from me using my information. There is no way anyone outside the bank would know that they could cash that large of a check against my account! Also the bank cashed the check and didn't even look at who signed it on the face and that it wasn't even an account holders name! Nor was it my checks!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
On XXXX I signed closing documents at settlement for refinancing my home mortgage with Carrington Mortgage Company. I signed paperwork which stated my monthly payment would be {$650.00} yet received my first statement stating the monthly payment was {$780.00}. I also received a statement for {$0.00}. No other correspondence from them. Ive called over 20 times and been out on hold for lengthy periods of time, spent 45-60 minutes on the phone with different individuals several times, been transferred to supervisors, given the number for the escalation department and could not reach anyone, told the matter was being investigated and spoken to individual in the expedited concerns/ complaint department, always being left with no resolution although that is what I requested. Carrington admitted human error on their behalf after settlement during an audit which revealed they miscalculated my property taxes and stated this was the reason for the monthly increase of over XXXX on my 30 year mortgage. Before the settlement ( in XX/XX/2022 ) they had just finished a prior settlement with me on the same mortgage but contacted me a week after closing and told me I had to go through settlement again as they were unable to allow the inspection waiver, as signed at settlement, that I had to have an inspection and that my ex husband would not be receiving his cash out payment on time as agreed during settlement, because of another error on their behalf related to XXXX XXXX XXXX XXXX XXXX  updating regulations. I planned accordingly for the refinance based on the amount we agreed on and they changed it without notifying me after signing the legal documents. Theyve been impossible to reach and respond to my request for resolution in the matter as it was their error and we have legal binding agreements. They also gave me less than promised in my settlement check which they later told me I could have been given the option to have the money I agreed to receive or paid it separately to cover the escrow but they took it upon themselves to take the money out of my settlement check without explaining it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Resource Systems, Inc
State: CO

Complaint narrative:
There is a collection appearing on my credit that I do not owe and it is NOT from 2020, I have disputed with nothing provided to me. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XX/XX/2022 my husband received an email to his XXXX from XXXX saying it was from XXXX and that we were charged {$450.00}. We called the number as I had canceled XXXX a XXXX or XXXX before. Stupidly we did what they said and my husband and I were arguing as my instincts were we werent talking to XXXX. We later find out it was a scam through XXXX and because that is a 3rd party to Bank of America , Bank of America says they did not do anything wrong and closed our fraud complaint. 

Its been hours an days of phone calls still dealing with this. He got XXXX more emails this week, XXXX from XXXX and XXXX from XXXX, and were actually also XXXX accounts. 

We are retired and dont have extra money and lost {$3500.00} total. It was ID theft so that was reported as well as a police report and the FTC. Is there anything else we can possibly do, or who investigates these creeps. Im out of my mind in tears and stressed over all of this. I agree we were stupid, but something needs to be done, please Help! The Bank of America letter and claim no. Are the last upload. 

Also we called Bank of America right away and they recommended no need to close account. We met with them XXXX days later and the gal filed a report as the person should have advised us to freeze our account which we did. We have reorganized all our finances. Yes some good things come out of it, but it is very discouraging theyre targeting older people especially. Its infuriating. It was our old checking account ending in XXXX that was hacked. 

Thank you for your help if there is any possible. XXXX and XXXX XXXX Names on our Bank of America Account XXXX XXXX XXXX XXXX XXXX XXXX Any questions please call me 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 monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TN

Complaint narrative:
I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX through XX/XX/XXXX are listed as ineligible due to a period of Deferment or Forbearance, however, my loans were in repayment at that time. Those months should be qualifying for XXXX. Additionally, my eligible payments are only showing from XX/XX/XXXX forward, though I have been working at a qualifying employer and in repayment since XX/XX/XXXX, with a brief forbearance from XXXX through XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
In early XXXX I reviewed my credit report and found that I had a XXXX day late payment from Capital One in XX/XX/XXXX. I had not received any communication about this late payment, which was odd because Capital One starts calling the second a payment is a XXXX days late, and they call non stop. I tried to dispute this previously and was told the information is accurate. I started to do my research online and many suggested I write Capital One an email asking for removal. I did this on XX/XX/XXXX. I received a call from someone stating they had received my request but were required to report accurate information to the credit bureaus on XX/XX/XXXX. She informed me there was nothing she could do, nobody I could escalate the issue to and that there was no additional steps I could take. I emailed the office of the XXXX again on XX/XX/XXXX after receiving the call but have been ignored by the company. 

I take issue with this because I was never notified of my past due payment. However, the bigger issue here is that Capital One is granting others favorable outcomes, and not treating everyone the same, which could be considered discrimination. The FCRA does require companies to report accurate information to the credit bureaus. It also requires that a company not discriminate. However, I have pages and pages of people have luck with Capital One removing late payments from their credit report as goodwill. This would be in direct violation of reporting accurate information to the credit bureaus and it could be considered discrimination. 

As of today, Capital One has not reached out, has ignored my most recent email and does not show any interest in making the situation right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
5th/3rd bank approved me for a auto loan from me buying out my lease with the original auto company. XXXX XXXX ( XXXX ) told me that 5th/3rd Bank would mail me the documents to make the payment set up. Approved for the loan on XXXX of XX/XX/XXXX but 5th/3rd Bank failed to send any loan documents for payments until I called on the XXXX of XX/XX/XXXX. 

Had to call 5th/3rd customer service rep to have them send the loan/account set up documents out. I was told by the customer service rep that they hadnt planned to send the documents until I reached out. I will be late for my auto payment on the XXXX of XX/XX/XXXX if I dont receive the documents on time. As of the XXXX I had yet to receive any communication from 5th/3rd. 

I have yet to receive an account/loan number for my new loan document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX, reported a hard inquiry on my Equifax credit report. However, I never applied for any credit with XXXX, and I never gave XXXX the authorization to run my credit. I feel that this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
I became a XXXXXXXX XXXX in XX/XX/XXXX at XXXX XXXX XXXX. Prior to the XXXX, I was informed by XXXX XXXX staff that I would not incur any costs ; that the recipient 's insurance would be responsible for ALL medical bills related to the procedure. 

I began receiving bills from XXXX XXXX XXXX in XX/XX/XXXX and forwarded them to my XXXX XXXX  at XXXX, per her instructions and was told it was being handled by their billing department. The bills kept coming and I kept forwarding them to XXXX. 

I received written notice in XX/XX/XXXX that XXXX XXXX XXXX submitted the bill to a debt collector, Professional Finance Company Inc., XXXX, TX. They, in turn placed a {$1000.00} collection debt on my credit report. This was also submitted to XXXX, per my instructions. Unfortunately, it was not resolved. 

I discovered this fraudulent debt of {$1000.00} on my credit bureau report in XXXX XXXX This is the ONLY negative item on my report, and it lowered my credit score. I filed a dispute with the credit bureau and was denied relief. ( I did not understand why. ) XXXX XXXX is aware of this and has tried to assist, unsuccessfully. 

I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX against XXXX XXXX XXXX. I spoke to a representative today with XXXX XXXX XXXX at XXXX and was told that they removed the debt ( XXXX  it out ) on XX/XX/XXXX ( 1 1/2 years ago! ). 

I do not understand why Professional Finance Company Inc. persists in their fraudulent collection tactics and why my Credit Bureau Dispute was denied. I need an explanation and resolution from both entities. Please help! 

XXXX XXXX XXXX  is a voluntary act in the United States. I did not expect or ever want any recognition or compensation. By the same token, I did not expect any bills related to the XXXX or being subjected to this type of harassment and the resulting negative financial impact. 

Regardless of the stress, XXXX and aggravation this has caused, I would do it again. Life is precious. Please help get this resolved. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act 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 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 ; It also states that a consumer reporting agency can not finish an account without my written instructions 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I demand that these accounts be permanently deleted from my credit file

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