vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. This collection agency has the balance as {$620.00} when the account was written off for {$550.00} and I have since paid {$440.00} to the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to NATIONAL CREDIT ADJUST which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2022. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then this is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. Attached is the debt validation letter I sent your company 2 months ago to the point of no avail. The letter is dated and time stamped. Please also see the invoice for the many FCRA violations and remit payment to the address on the XXXX XXXX. If this account is not removed and payment is not received within 15 days I will forward this information to my legal attorney so that this can be handled in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a personal and a business account with Truist Bank on XX/XX/2023. I deposited {$100.00} into the checking account and a paid a required opening fee of {$100.00} for the business account. I tried to log into my accounts with Truist bank and I was not able to access my accounts. I went to the nearest branch and I was informed by a teller that both of my accounts were closed. I was given a number to call in order to receive a report & possible answers as to why my accounts were closed. I called the number and I did not receive any answers. Also, the bank teller informed me that I can not get my money back that was deposited the day I opened both accounts. I feel that I am being discriminated against and that my account was wrongfully closed. The bank has record of my social security number and I believe my information is being used to conduct fraudulent activity. It is illegal for the bank to take my application and my social and not provide any services.

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 2023-07-31 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: Fidelity National Information Services, Inc. (FNIS)
State: OR

Complaint narrative:
I didn't authorize the information to be shared and or reported to ChexSystems and since this falls into the category Identity theft per 17 CFR 248.201 ( 9 ) as the consumer account was opened without my knowledge or consent I want all reports wiped off this fraudulently opened consumer account

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 2023-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: American First Finance, Inc.
State: CA

Complaint narrative:
On Monday, XX/XX/2023 I submitted an application to American First Finance company for an extension of credit to XXXX XXXXs located in XXXX, CA. That request was denied with a notice of adverse action without proper explanation for the reason. 

Under the Truth in Lending Act and the Fair Credit Reporting Act, I'd like to request a written disclosure and the reasons for the denial of the application. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet has failed to report to the credit bureaus, the correct balance on my student loan account for the last 2 months and is soon approaching the 3rd. 

The account is now paid in full and payments made in XXXX and XXXX are not posted the balance shows {$6900.00}, my XXXX balance, with 4 added payments made since then to zero the loan. 

Reference my previous CFPB report XXXX. Nelnet has severely mismanaged the unnecessary consolidation of accounts ( XXXX XXXX  into Nelnet ) and delayed my payments now they are FAILING to report to the credit bureaus. 

In ADDITION, the previous Great Lakes reporting and payment have disappeared from Nelnet last report on XX/XX/2023. I have paid {$40000.00} in total payments and to today history reports only {$6900.00} ever borrowed reported to the credit bureaus. 

Again, today 's balance is now XXXX but I have ZERO confidence Nelnet will ever report anything correctly to the credit bureaus. I have filed disputes with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX, XXXX and XXXX of XXXX  I fell behind on my car payment due to financial instability. since XXXX of XXXX I have been back on track with no late payments, I have sent in several goodwill notices to get this handled with no results and it's causing me great distress that this is happening to me, since technically under U.S. code 1681 ( a ) sharing my transaction history is considered illegal under the consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
ORIGINAL COMPLAINT XXXX Company acknowledged receipt of copies of both money orders shown as cashed by Barclays. 

Comany response is completely insufficient. Not only have I not yet received a credit for the original {$1000.00} theft from my account, the company failed to acknowledge the interest acrrued on said account ( ~ {$350.00} ). The company also provided a very weak apology and did not account for what happened as well as how they will avoid this problem with others in the future. 

Barclays flat out lied to me on several occaassions regarding this theft. I expect to be compensated for the time I spend dealing with this issue, the original {$1000.00} theft and all interest accrued to my account. I also expect a detailed explanation as to why I was continuously lied to and how they will prevent this from happening in the future. If I didn't have the means and technology ( as well as locating receipts, which was no small matter ) to continue pursuit of this XXXX job in retreiving my money, they would have gotten away with literally stealing from me. 

Are you able to find others who have been harmed in this way? I would like to press charges against this company. Please advise.

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 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HANCOCK WHITNEY BANK
State: MS

Complaint narrative:
My name is XXXX XXXX. On XX/XX/23 Im looking through XXXX XXXX XXXX  for the used XXXX XXXX truck, I saw the the truck that I like at the place called XXXX XXXX XXXX in XXXXXXXX XXXX I contact them and talk to the guy name XXXX, The truck was listed at {$6900.00} and XXXX agree to sell the truck for {$6300.00} including delivery I asked XXXX how to pay him and he sending me email me the purchase agreement and instructions of how to send the money in the instructions they have the link that say CLICK HERE and the wallets address XXXX. When I press on the link click here its take me to the page that buys bitcoins online I follow the instructions put in the amount of {$6300.00} and the wallets address and it took me to the others page to fill out all of my personal information, when my transaction was approved I email XXXX the approved transaction email and he said he will delivery the truck, but the next day he send me the email asking to pay {$2000.00} more for insurance for the truck delivery I disagree with that and told him I cancel the deal, he said XXXX refund the money to me. As soon as he said that I know that I got scammed, I contact my bank asking them to stop the transaction while it in pending, I also file the dispute I also email my bank the police reports, the attorney general affidavit reports and the screenshots of the email between me and XXXX XXXX XXXX, couple weeks later I got the letter from my bank regarding the dispute in the letter they said based on the investigation they determined that no error has occurred, I disagree with their findings because it clearly a scam I hope that you getting involved to help me getting my {$6300.00} refund to me. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
There is a company that I have no knowledge of I was told they had information and I asked to verify in which they could not .This companys LVNV and Resurgent. As I look this company up I see the have several names and they have five accounts under my name and they can verify. I have never had a account with this company. LVNV Funding LLC account ending in XXXX, XXXX, XXXX, XXXX and XXXX. I have asked them to produce paperwork and they have not it have been one year

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I received a Target credit card invoice statement and l DID NOT apply for a Target credit card and l DID NOT charge anything! It was charged in XXXX, Indianna and l live in Tennessee. I called Target card services and my identity matched the charge. They are sending me a questionnaire to resolve the problem and are blocking the card. I used to work for XXXX XXXX and XXXX XXXX and they have terminals in that vicinity. Someone that works in the offices there must have fraudulently used my information because l havent worked for them in 2 years. According to the statement, the charge was made at XXXX in XXXX Indianna on XXXX XXXX. Target card services tol me to contact you so that you would be aware. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: MI

Complaint narrative:
Received a letter from Online Informations services debt collector Client XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive called Online services they gave me 2 options. At the moment your the 1st option to let you know that this is fraudulent Identity theft Ive never lived in Texas were this account is/was being used. 

Please let me know what the next steps are to clear my name and my credit from this company and from my credit as this is an identity theft situation Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My Mother opened a Trust acct with XXXXXXXX XXXX in XXXX XXXX XXXX XXXX purchased by SunTrust XXXX then purchased by Truist XXXX After my mother passed, we presented her death certificate and trust documents. But in the mergers, the bank lost the signature card and the original trust agreement. While we were denied access to the account, the delivery adress went dormant and they began charging undeliverable stmt fees. After multiple attempts, the XXXX branch finally executed a new Trust agreement and gave us access to the account. The undeliverable fees were never refunded. Given the .01 % interest rate, and the lack of refunded fees, we decided to close the acct. Due to Truists ' online policies, the " final '' withdrawl left {$2.00} in the acct. I contacted Truist online with my desire to close the acct. Two months later they had added {$30.00} in monthly fees and a {$30.00} charge off fee. They now want {$58.00} to close the acct with {$2.00} that they had overcharged. I complained about the fees on XXXX and was blocked from commenting on Truists ' XXXX pages. So not only did they charge exorbitant late fees for their inabaility to close an account, the inhibited my ability to share my factual story with others.

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 2023-07-31 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry.

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 2023-07-31 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: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: CA

Complaint narrative:
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : U S DEPT OF EDXXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-07-31 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.

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 2023-07-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.

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 2023-07-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian keeps placing this XXXX account on my credit report. They have a numerous occasions ignored the enormous amount of proof that this account does not belong to me and they keep removing it from my credit report and putting it back on which is a violation each time they have done that. I have sent in affidavits police reports the act took place in another state that I have never lived in. The transactions were done in another state. I have irrefutable proof that it was not me, but I am still being damaged by the incorrect and I erroneous information. XXXX has verified with an email that I don't have an account with them. I contacted them to let them know that I was declined due to their company being on my report and they responded with an email saying that they do not have an account under my name I want this account removed from my credit report 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 2023-07-31 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: DE

Complaint narrative:
There is an error on the accounts that your company is reporting on my credit report. I am upset that this is happening on my credit report. I want the company to remove this accounts as quickly as possible because of these inaccurate informations being reported by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo notified me that they sold my mortgage loan after five years. I had paid them on XX/XX/XXXX and then paid them again on XX/XX/XXXX Confirmation XXXX XXXXXXXX. The money was withdrawn from my account! 

I was told the transfer of information could take up to sixty days. I've received three statements from XXXX XXXX the new mortgage company , the latest today. They keep sending me a balance that is not correct. I have the last statement from Wells Fargo and deducting the payment on XX/XX/ what they are stating is not correct. No one wants to talk about it. I am a XXXX  citizen and would not want to be in default for an amount I already paid. XXXX XXXX keeps saying it's Wells Fargo and Wells Fargo says its XXXX XXXX not having the information. With all the technology a transfer of information is done with a click of a button!

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 2023-07-31 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: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from 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