vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XXXX XXXXXX/XX/2023 I deposited a check in the amount of {$10000.00} into my checking account. Prior to me depositing the check my account my was free to use and funds were available. After I deposited the check and the check cleared my account was locked and am to this day unable to access my funds. I checked with the person that issued the check, and the check has cleared her account. She has also written checks to other people that bank st M & T and there was no issue with their account and/or funds. I've been trying to get this matter resolved since XX/XX/2023 and have been told that only XXXX from the fraud department at M & T Bank can resolve the issue, but I have yet to hear from despite numerous phone calls and visits to M & T Bank. It is illegal to hold a persons funds without proper notification, and no one has been able to tell me why my account is locked. I feel like I'm being discriminated. At this point several of my bills are overdue and this has put me in financial hardship. I need this resolved ASAP.

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 2023-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Since student loan repayments started in XXXX, Nelnet has repeatedly failed to process my automatic debit payments the setup for which Ive received email confirmation creating a situation where my credit score could be affected by unpaid, past due payments. Nelnet claims that insufficient funds are the reason the payments havent been processed, but that is not true my account has more than enough to cover these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Name & Account Number XXXX - XXXX XXXX XXXX - XXXX Name Inquiries XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
My wife and I were looking to buy a home so I went and got my credit report because we couldn't get an approval because of NCB Management Services Inc. saying that I owed money for a vehicle i never had at a address i never lived at i placed security fraud alerts on all three credit reporting bureau 's I sent a letter to the company certified mail requesting validation of the debt and any documents stating that i had signed a contract with them they never sent an explanation to verify that I owe their company any money and i feel that my rights were violated because they have my personal information and i never gave any written consent for them to have it. this is damaging my families life and i am highly concerned

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
The account in question was written off by the original creditor from charge-off in XXXX, I received a 1099C and paid this amount through means of taxes from filing as income ( as required ) when received. 

On XX/XX/XXXX, I received a letter from XXXX XXXX  stating that on XX/XX/XXXX the account was sold to Midland Credit Management. 

Midland failed to send the appropriate information or any communication of any kind until XX/XX/XXXX ( which is past the 5 days ) of that date of sale. 

The materials requested by myself were as follows : - Original contract between myself and XXXX XXXX  with signature - The Purchase Agreement between myself and XXXX XXXX  with my signature - Midland 's License/Agreement to do business within my state of residence ; and if the sold account belongs to any other company, what is the licensing/contracting agreement between that company and Midland Credit Mgmt. 
- Any contractual obligation with Midland with my signature on it annotating I am legally obligated or in any binding agreement with Midland to pay a charged off amount which was 1099C'ed. 
- A itemized breakdown of any presumed charges on the account which includes interest charges on the account, any additional fee 's added to account throughout the life ( to include after default/charge off ) ; the last date a payment was made on this account - Provide any proof of service for delivery of items to validate/verify receiving of these documents ( which they have no sent ). 

On XX/XX/XXXX, a separate letter was sent ( with none of the material above given ), as a " Pre-Legal Notification '' ( which in the context of the wording can is threatening legal action ) which is a direct violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I have a current complaint open with the CFPB for an auto loan with Credit Acceptance. Instead of the company responding to the CFPB, a compliance analyst, XXXX XXXX, sent me an email attempting to get me on a phone call. The email is attached to this complaint. Note that I previously disputed this account before filing a complaint with CFPB. The company did not comply with the dispute guidelines. The company has not responded to the CFPB and is now emailing me after I have told them that collection attempts must be stopped since they did not provide the required state notices regarding collecting money for a car repossession. The company is continuously violating the FDCPA and the FCRA.

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 2023-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
XXXXXXXX XXXX XXXX, want tobe in business. so but never was in business. Insurance company XXXX XXXX XXXX XXXX XXXX ) asking fee ( over $ XXXX ) audit fee. We told them and proof them so many times we never perform any business. Their inspector also agreed. Company should not be responsible for audit fee. 
plus they are looking this dept from me personal. This is a closed Corporation. I was a XXXX in papers. They e mail me and harassed me every week. this is the information XXXX XXXX Senior Commercial Collections Agent Direct XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX www.caine-weiner.com

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I paid what I believed to be the remainder of my student loan balance of {$19000.00} on XX/XX/30. I used the Nelnet website, and when I went to make my payment, you have the option of making your payment by group, or by amount. I chose the amount tab as I was going to be paying the entire balance off. The amount listed above is what was shown as the balance of my loan. Today, XXXX, I went to verify the payment had been made, only to see I still have a balance! I called Nelnet, and their employees seemed to agree that the website showing only the principal and not the outstanding interest under the payment tab is egregious, predatory, and THEFT. They are misrepresenting student loan balances and in the process collecting more money from students with predatory tactics. It should be clear as day, the amount owed on the loan, not interest hidden somewhere else on the website. Had I not called to verify the payment I wouldnt have known I was carrying a balance, could have potentially defaulted on a loan that should have been XXXX, and done irreparable damage to my financial health. These predatory practices must be stopped!! They are attempting to trap student loan borrowers. A simple website interface adjustment could fix this, but they choose not to because it makes them more money off the backs of unsuspecting students. The members of the Board for Nelnet should be investigated and held accountable. I would like this looked into as soon as possible and a response when the investigation is complete. This is despicable behavior and someone needs to stand up for students and protect them from being stolen from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: VA

Complaint narrative:
I am reaching out regarding the below account ; i have tried validating the debt with the credit reporting agencies by filing inquires and dispute letters requesting the detailed information relating to the debt and how it applies to me. 
I asked for original signed documents and agreements pertaining to the debt. However, both the credit agencies and the debt holder failed to provide that information after multiple requests. Account Info Account Name XXXX XXXX XXXX XXXX Account Number XXXX Treatment of inaccurate or unverifiable information clause in the FTC guideline states : If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencies shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the result of re investigation

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 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I was billed from XXXX XXXX XXXX XXXX XXXX CA XXXX the amount of {$500.00}. Services were never rendered. 

On the date of XX/XX/XXXX I was billed from XXXX XXXX XXXX XXXX XXXX CA XXXX the amount of {$1500.00}. Services were never rendered. 

I have tried to have the amount reversed by XXXX legal group multiple times but they refuse to do so. 

I disputed the charge with citi bank and the refuse to reverse the charges.

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 2023-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Again another company that clearly does not know how billing works. The VA pays every single one of my medical bills. Every single one. This should have been paid on time by the VA. I should not be receiving this bill because of poor communication between the original medical provider and the XXXX XXXX. 

I do not know how many times this has to happen to me. I provide XXXX  XXXX Veteran card. Provider bills the VA. Its not rocket surgery. 

The new collection agency Capio. Harasses me every single day trying to collect a debt from XXXX. Calling at all hours of the night. Text messaging. Its clear as day that it is harassment. That should have been paid already. Or that was not paid due to the original holder of the debt failing to contact the VA billing department. 

Stop having aggressive methods of collecting a debt THAT YOU PURCHASED FROM ANOTHER COMPANY. I dont owe you anything. Shouldnt have owed the original medical provider anything either. Not my fault the billing department of the original provider is uneducated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
On XXXX an erroneous collection account from Consumer Adjustment Co for {$2200.00} was placed on my credit report. Consumer Adjustment Company placed a collection on my credit report without ever contacting me first to validate or resolve. This company violated the Fair credit reporting act. I have never received a letter of validation to dispute from this company. No phone calls, or email to dispute. I was not giving 30 days. I do not owe this debt. This needs to be removed from my credit report. Researching this company shows that they are notorious for placing false collections on other people 's credit profiles. This false collection from this company is damaging my credit and I request that it be removed immediately. I do not have a contract with them. I have never signed any form of agreement with them. And have never even been contacted by this company. This is a violation of my rights under the Fair Credit Reporting Act and I request this be removed immediately. When I called the number on their website, XXXX, the first time, I was unable to complete their requests to initiate IdentityIQ, as I was driving. The gentleman on the phone said he would call me back. The call did come from XXXX which appears to be directly from Consumer Adjustment Company Inc. I did not answer because I was expecting the XXXX number. However, when I called back when I got out of the car, the call seemed to go to a holding company that holds collection debt from a variety of collection organizations and they were unable to help me without me providing them with a credit card to obtain my credit report to " confirm '' what I was requesting. As a matter of fact, the gentleman on the phone asked me who the collection company was. When I told him Consumer Adjustment Company he said he had never heard of them. I am requesting that this invalid collection account credit line be removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: MO

Complaint narrative:
My information with XXXX has been breached and heres the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: MIDFIRST BANK
State: AZ

Complaint narrative:
XX/XX/2023, credit reversed, {$1100.00}. This was a lost package not successfully delivered by XXXX and its from XXXX. The bank said they couldnt credit this dispute because XXXX stated the package was successfully delivered, even without a signature Or a photo proof of delivery.

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 2023-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Hello. After being contacted by my bank for an attempt to use ach payment I immediately notified the creditor XXXX XXXX XXXX XXXX ( thru XXXX XXXX  ) that I had set up a reoccurring payment with. I was charged XXXX insufficient funds fee even though I had the funds but payment was did in error. I corrected error & notified this creditor. I was told that I would get fees reversed & credited & would not be reported to credit report for any late payments that may occur because of this error. When I checked my credit report my score dropped XXXX points for the {$50.00} fees that I incurred for my payment error that was corrected. I have reached out and sent XXXX messages asking for XXXX XXXX XXXX since this ach was done in error but still no response even though I have kept my payment history positive

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 2023-12-01 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
Made a payment on Mortgage in XXXX. Mr. Cooper took out four times the amount we authorized causing our bank account to go into the negative. After several phone calls, they admitted to the mistake and decided to refund all the money instead of just what was not approved. Made a new payment after we got the money back. Confirmed the payment went through. Mr. Cooper calls me a few days later and wants to make sure all is good. I asked them are we up to date on payments and they said yes. A week goes by, they email us saying we are overdue on payments. My wife calls and they tell her that we owe them money. Even with a confirmation from their website the refuse to acknowledge we have made our payments and to send over bank statements that prove we paid them. I have sent them over but I am very displeased how they are handling my money. That little mistake caused me to have no money in my bank account for almost a week. Not to mention they show no remorse in their wrong doing or even want to try to solve the problem in a timely manner. The next day talked to them at lunch. Showed them proof that we paid through bank statements and even have statements from them showing payments are up to date. They refuse to acknowledge this. Claimed the bank had locked them out from receiving money from my bank account. Put them on a conference call with the bank. Bank tells them multiple times there is no lock and the payments went through and Mr. Cooper still will not cooperate. They claim they never got my email with the evidence and wanted me to send it again saying it could take up to 30 days to figure it out. This is unacceptable and I refuse to allow them to tarnish my good credit and standing because they want to drag their feet. I won't even be able to pay my XXXX balance if they continue because they will try to apply it to the so called missed payment. This is nothing short of theft. I am very upset that a company like this is allowed to operate and take money and turn around and say no you didn't pay us. Mr. Cooper is an embarrassment to professional businesses and they need to be held accountable for their dishonest, incompetent, and downright greasy behavior.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: VA

Complaint narrative:
I am reaching out regarding the below account ; i have tried validating the debt with the credit reporting agencies by filing inquires and dispute letters requesting the detailed information relating to the debt and how it applies to me. 
I asked for original signed documents and agreements pertaining to the debt. However, both the credit agencies and the debt holder failed to provide that information after multiple requests. Account Info Account Name XXXX XXXX XXXX XXXX Account Number XXXX Treatment of inaccurate or unverifiable information clause in the FTC guideline states : If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencies shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the result of re investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: VA

Complaint narrative:
I am reaching out regarding the below account ; i have tried validating the debt with the credit reporting agencies by filing inquires and dispute letters requesting the detailed information relating to the debt and how it applies to me. 
I asked for original signed documents and agreements pertaining to the debt. However, both the credit agencies and the debt holder failed to provide that information after multiple requests. Account Info Account Name XXXX XXXX XXXX XXXX Account Number XXXX Treatment of inaccurate or unverifiable information clause in the FTC guideline states : If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencies shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the result of re investigation

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief