vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 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: TX

Complaint narrative:
I DID NOT GIVE WRITTEN CONSENT FOR MY INFORMATION TO BE PUBLISHED ON MY CREDIT REPORT In accordance with the fair credit reporting act, the following creditors have violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... ... ... .. account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accoun t XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, Department of ED/XXXXXXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX. 15 U.S.C. 1681 Section 602A states I have a right to privacy. 15 U.S.C Section 602 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-06-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I DID NOT GIVE WRITTEN CONSENT FOR MY INFORMATION TO BE PUBLISHED ON MY CREDIT REPORT In accordance with the fair credit reporting act, the following creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accoun t # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, Department of EDXXXXXXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX. 15 U.S.C. 1681 Section 602A states I have a right to privacy. 15 U.S.C Section 602 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: IL

Complaint narrative:
Axos bank stole my money! My mortgage was purchased by Axos bank over a year ago and I setup autopay. Everything was going fine for a while. On XX/XX/2023 Axos bank withdrew two mortgage payments from my bank account on the same day. I did not setup two payments. When I spoke to XXXX, their customer service rep, he admitted it was the bank that had caused that to happen. He said the last time there was a change on my account was in XXXX, XXXX, but I advised him that I did not log in and make that change. He admitted the problem was on their end. Now they won't give me my money back. They said it would take 30 days to cut a check and suggested I work through my own bank to stop the payment. My own bank said that because it was an ACH initiated by Axos, my bank can't stop the payment at this point ( now 24 hours later ). 

My own suspicion is that Axos is undercapitalized and is looking for money anywhere they can find it, but that's purely speculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I did not consent to authorize nor benefit from these account ( 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 non-monetary relief
Consumer complaint received 2023-06-08 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:
I DID NOT GIVE WRITTEN CONSENT FOR MY INFORMATION TO BE PUBLISHED ON MY CREDIT REPORT In accordance with the fair credit reporting act, the following creditors have violated my rights XXXX XXXX XXXX XXXX ... ... ... XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accoun t XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, Department of EDXXXXXXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX. 15 U.S.C. 1681 Section 602A states I have a right to privacy. 15 U.S.C Section 602 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Sadly, there was a lawsuit against California XXXX XXXX and at the time, my loans were at an all time high of interest rates of 19 %. I opted out of lawsuit due to possibility of losing suit and having to pay lawyers. I have over most of the almost 20 years paid my loan but currents rates at XXXX if insane and there is no wiggle room to pay down my debt. I called to see if my private loan is available for cancellation, but told not at this time. I am currently in forbearance with no end in site. I even tried to refinance and current rates at 9 % and higher. I am at a loss as what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: FL

Complaint narrative:
Greetings, On XXXX XXXX I mailed debt verification letters via USPS certified mail to XXXX, XXXX and Experian disputing reappearing deleted inaccurate collection accounts previously deleted from my credit profile.I requested that reporting agencies send proof of debt which included contracts and other compiling evidence to conduct a proper reinvestigation.Moving along, Im a XXXX veteran already dealing with day to day challenges and the reappearance of these accounts has created great burden for me and my family.

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 2023-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
A wire was sent from my bank on XXXX before Coinbase 's cut-off processing time. My bank does confirm the funds are sitting with Coinbase. Coinbase is refusing to put the money into my account and claim no money was ever sent. They said to stop contacting them about " missing money ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have attached an FTC report with fraudulent and unauthorized inquiries

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 2023-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: AR

Complaint narrative:
This company has an account reporting negatively on my credit report. There is no proof of an original document or signature between Spring Oak Capital LLC and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
( XXXX of XX/XX/2023 ) Went to open a checking account with chase in person. When opening a checking account they informed me because my father was a veteran they would wave the fees ( balance charges, etc ) for the account. The lady then asked if I would like to open a Chase Credit Card as the fees for that would also be waived. I said I couldnt at this time but would open it online later. She informed me that should be fine and that I could call and have the fee removed if it didnt automatically apply. 

( last week in XX/XX/2023 ) When I later opened the card I was charged a annual fee so I called Chase. I spoke with a customer service agent who told me I would need to talk to the Military service desk and they could remove the charge. The Military service desk told me this was only for XXXX XXXX and did not apply, but that customer service could remove the charge. Transferred back to Customer service and she told me only her manager could remove the charge. This supervisor then said they can not and will not remove the charge and will not do anything about the people lying but I should go the the branch in XXXX and they could remove the fee. The branch in XXXX said that they can not remove the fee and that customer service could do it... 

So basically I was on the phone for an hour about being lied to as a customer and they kept telling me it was someone elses job to remove it, yet every person I talked to told me they can not remove it. 

I just dont think its acceptable to lie about the terms and conditions for the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I have asked the organization to provide proof they own my student loan debt. They are unresponsive and unwilling to provide proof the debt theyre emailing me about actually belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: NV

Complaint narrative:
XX/XX/XXXX I opened an account with money network.I sell mattresses with XXXX XXXX in Nevada, temper-sealy payes spiffs. I had XXXX in XXXX of XXXX. I checked in on my account and money network said they closed it because they needed more information.they said that I was informed through the mail.I never received a letter.then I was told they sent a check for the account. A couple of months later I called saying I never received check.I was told they would issue a new check, they sent me a email showing date of issue and check number.again I have never received the check. I've called at least twenty timesXXXX number is a XXXX call center.they put me on hold for a long time without picking up.when I do get through they tell me nothing about what is going on. One supervisor was honest and told me funds are still on hold, she said your not the only one.when I email them email comes back mailbox full. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HF Holdings
State: NY

Complaint narrative:
I utilized XXXX for a short term rental operation that is now shuttered. Their customer service had not been stellar from the start. 

My last tenant vacated the premises prematurely and demanded a refund of her monthly rent. This charge of {$2300.00} was reversed, leaving my business account in the negative. I was obligated to get the account back to {$0.00}. This implies that the debt was paid and settled with my financial institution ( XXXX XXXX ). I then closed this business account. The tenant also incurred a reversal charge on the XXXX platform as the payment was likely stopped by her financial institution. Conclusively, the amount totaled {$2300.00} and was credited to the tenant on my end. However, XXXX claims that I owe them, this amount. This means that I would be paying a penalty of {$2300.00} twice ( to the tenant and to XXXX ). Furthermore, this reversal of the {$2300.00} occurred in XXXX or XXXX of XXXX. 

I was contacted for the first time concerning a balance owed by the tenant in XXXX of XXXX. Yet, it was not made clear the repercussions or implications of this debt going unpaid or who owed the debt. I assumed that the client did as I responded to the XXXX correspondence and got no reply. 

I was contacted about the matter again in XXXX or XXXX of XXXX. I was not aware that there was outstanding debt that I was responsible for. I received no correspondence from XXXX XX/XX/XXXX through XX/XX/XXXX. Still, when contacted by XXXX this XXXX, the payment had been due in less than 30 days. I communicated with a representative via email outlining my concerns and confusions, yet the debt was given to HF Holdings, a debt collection agency. 

I was laid off on XXXX of XXXX and Im a XXXX XXXX XXXX garnering a XXXX XXXX. I provided documentation outlining my employment status to XXXX. XXXX only notified me that the debt was now in collections when I asked. Therefore, I reached out to HF Holdings myself in being proactive. XXXX has been poor and representatives of HF Holdings ( particularly XXXX XXXX have been unempathetic and condescending in refusing to actively listen to my concerns as debt collectors notoriously are. Although HF Holdings was able to coordinate a settlement with XXXX on XX/XX/XXXX, the lesser amount ( {$1900.00} ) would need to be paid by XX/XX/XXXX. XXXX unable to make any payments and do not believe that I was notified about this debt correctly or in a timely manner. Also in reiterating, the tenant received her {$2300.00} back from my financial institution with the help of her financial institution initially in XXXX.

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 explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
We utilize a checking account with Fifth Third Bank solely to process our mortgage payment. We use an outside credit union for our day-to-day banking. We deposit funds into our 5/3 checking from our other account on a monthly basis. Because our mortgage amount changed due to changes in our escrow fund, our account with Fifth Third became negative {$6.00}. Once I realized this, I submitted a transfer from our credit union to Fifth Third that took 1-2 days to process. They charged us an overdraft fee of {$37.00} the night before our deposit posted to bring our account current. Because I do not regularly check our Fifth Third account, I did not know about the additional weekly overdraft fees nor did I ever receive an email notification regarding the fees being posted to our account. When I called to explain the situation and told the customer service representative that I made my account current as soon as I noticed it and if the initial overdraft fee hadn't been charged, then I never would've received any additional fees. They told me they could remove the {$37.00} fee as a courtesy and one of the {$25.00} weekly fees but could not refund the 3 other fees. My point was that, had they not charged the initial overdraft fee, the other weekly fees never would've happened. I even had alerts set up to receive via email. I am upset about the 3-additional fees they charged and refuse to refund because " it's their policy '' to only refund 1 per 12-month period even though I've been a customer in good standing w/ our mortgage for 13 years! The bank also returned my most recent mortgage payment because my account did not have sufficient funds even though I sent them my monthly payment due. But because of the weekly fees they posted, my account was below my mortgage payment amount so I had to go to a branch during work hours to make a payment to bring my account current and the branch customer service attendant couldn't do anything about the fees either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
On XX/XX/2023, my car was in an accident on XX/XX/XXXX the car was deemed a total loss. XX/XX/2023, my insurance company submitted a ck for {$21000.00} then another ck for over XXXX to Bridgecrest. As of XX/XX/2023, my account shows a balance owed of {$26000.00} as Bridge crest reversed the transaction/money my insurance company paid to them. I also have GAP Insurance to cover the difference of my loan. According to GAP insurance it can take up to another 8 weeks for them to process the difference of what's owed on my loan. This is causing me not to be able to purchase another vehicle. GAP insurance advertises to purchase to have a peace of mind. I have not had any peace of mind. The loan holder Bridge crest also sends me letters threating to repo my car... A car I do not have, a car that has been totaled and my account reflects that. Bridge crest also is seeking me to continue to make monthly payments on a car that was deemed totaled almost 2 months ago. How can I save up a down payment to get a new car if I'm paying on a car I no longer own or can drive. I signed over the car to the insurance company. This process should only take 30-45 days ... As Bridge crest has been paid. The GAP insurance will pay off the difference, but Bridgerest is taking so long to correct my account, it makes the process even longer. I also want to despite to ensure nothing negative is put on my credit because this is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC Bank is falsely advertising they give loans to those with bad credit scores on XXXX XXXX in order to gain applications but then deny you after dinging your credit again! I work for the XXXX XXXX XXXX XXXX and fell behind on my car note with XXXX XXXX XXXX a few months ago only a few months before it was paid off while off work on unpaid XXXX XXXX and am only trying to refinance the balance left due on that loan {$5800.00}. I have nothing on my report but my paid on time student loans, make {$55000.00} yr and always paid my bills perfectly until this happened. I applied online specifically because XXXX XXXX and PNC stated they help those to refinance with bad credit as my score fell to XXXX after I fell behind. I was denied and so I called and spoke with XXXX who not only acted as if I was a complete bother and tried to rush me off the phone, refused to listen and kept talking over me but did not even provide her name, I had to ask for it at the end of the conversation! I then asked to talk to her manager and she refused to allow me to, claiming they were busy!! She needs to be fired she has 0 customer service skills, is rude and does not do her job!! I then tried to call the corporate office and saw they have almost one star ratings online for good reason!! Their phone numbers listed also did not work!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Creditors' Service Bureau of Niles, Inc
State: CA

Complaint narrative:
Another discrimination when they found out we're XXXX  and with unlawful detainer issue from our landlord who wrongfully evicted us and deny the federal help, we didn't get any chance to have habitable place to live, didn't return our deposits and credit check. {$260.00} for me and my wife {$120.00}, we needed that money badly I just wrongfully terminated.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
PayPal closed my account back in XX/XX/2022 and said the funds will be held for 180 days, and then they will send me an email to retrieve the money. 

However, it has been 180 days but I haven't heard back from PayPal yet. I have over {$2600.00} in my account.

Company response to consumer: Closed with non-monetary relief