vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX, I received a notice from XXXX that my score dropped due to a decrease in my credit limit. I logged in and saw that Nelnet had reduced my credit limit which makes no sense because it's a loan. I called and was on hold for SIX HOURS, until someone answered and told me I needed to contact FSA for more information. I have been making payments weekly ( even though I am in grad school and only need to pay the interest ) and Nelnet is absolutely destroying my credit. They create a new account for each class I take, so I will have XXXX  open accounts by the time summer comes and I will have XXXX open accounts by the time I graduate. I can not afford to have them continue to take advantage of people like this, then offer no explanation and have absolutely no one to answer the phones for hours, it's already bad enough my score has dropped XXXX points in two months because of Nelnet 's errors, now they have reported payments as a credit limit decrease, and I have had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/XXXX does not belong to me, I have not signed anything it is fraud, I have provided Transunion mulitple times to remove this from my credit report. I also sent in a dispute letter on XX/XX/XXXX, Transunion told me it wasnt me that sent in the letter when i told them it was me and gave them proof of identify. Transunion told me they will not process my letter which is illegal.

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 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
[ Link : https : XXXX ] I've come across this report which lists AFCU as number XXXX in terms of assets and indicates that they don't charge NSF fees XXXX 

However, according to point # XXXX at the bottom of the page, the total revenue from Overdraft/NSF fees XXXX XXXX XXXX. If Overdraft and NSF Fees are synonymous, then the claim that AFCU doesn't charge these fees seems contradictory. To add to this, my account was charged with insufficient fund fees twice just in the past month. While we do have an overdraft protection account, fees still get assessed if we lack adequate credit in that account. 

Could someone please provide clarification on this matter? 

Thank you, A long-time AFCU customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
First call was XX/XX/2023 at XXXX XXXX for an XXXX  even on XX/XX/2023. 105 days after the XXXX. I informed the caller " XXXX '' on this first call, that the debit should still be with the original bill owner. Had not even reached six months. 

I have repeatedly stated such to " XXXX XXXX '' and that he can not call me during work hours as I can not take calls at work or can and will be fired. XXXX continues to call ; I have not received paper communications from the company he claims to be at. XXXX uses rude language and says, " Only people who are embarrassed of debt refuse to pay. Or complain about me. '' Calls are on : XX/XX/2023 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 With the caller ID as XXXX set from the incoming call. 

I have told " XXXX '' several times he is calling during my work hours and to stop calling during my work hours. 

I have looked into the number he is calling from, and it has multiple complaints, and the business is not XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
My XXXX XXXX XXXX was hit and made inoperable XX/XX/XXXX. I called Bridgecrest ( the financial institution who the loan was issued through ) and they told me to continue making payments until this issue was resolved with the insurance company. I continued to make my bi-weekly payments of {$200.00} until the insurance company issued them a check. The insurance company post dated the check back to initial date of loss in XX/XX/XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX i made {$1200.00} worth of payments per their instruction. Also, within that time period they reported to the credit bureaus that they repossessed my car. That action resulted in my credit score dropping XXXX points. I was never late on a payment nor did i ever miss a payment. Bridgecrest has yet to issue me a refund for the {$1200.00} that i paid after the initial date of loss or gave me any kind of time frame as to when to expect it.

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 2023-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
called Amerihome last month XXXX and made a payment for XXXX to pay for at least the mortgage. They sent me a check back and reported to the credit bureau that XXXX 30 days late. I called Amerihome Mortgage today, XX/XX/2023 and they ( customer service ) told me they couldnt do an escrow spread because I have a past due balance for XXXX and XXXX and they couldnt do anything until it was paid. Customer service sent me to a loan XXXX, I explained what was going on and his suggestion was to do some financial hardship thing where they take what I owe and tack it on the end of the loan. I really dont want to do that considering XXXX only owe the taxes once because my husband is exempt. The loan XXXX asked if I could pay both XXXX and XXXX mortgage payment, said yes I could, then they said well youre only X amount away from the full amount, is there anyway you could come up with the amount. I explained to the loan XXXX that it wasnt possible. Amerihome Mortgage offers the option to send in a written request to take off any extra payments like taxes, I wrote two separate written requests, one in XXXX and one the beginning of XXXX. The first request was denied because they said I didnt have homeowners insurance, fixed that. Then the second request was denied because I have a past due balance on the account. I expressed to them that I felt like all the systems they have in place to help me, arent helping me. 

The reason I owe back taxes is because when we were doing the paperwork and buying the house the loan XXXX at XXXX XXXX reassured us time and time again about the property taxes and we made sure they understood what we were talking about. Come to find out there was somehow a miscommunication that the loan XXXX admits he messed up on and now we owe back taxes. He was the senior loan XXXX and he admitted he made a mistake and told us theres nothing he can do. 

My husband has filed all necessary paperwork with the exemption and we were trying to get the taxes removed from our mortgage so we could pay it off in smaller chunks. When I call to talk to them its like theyre saying, Im sorry you have a financial hardship that we started, stop being poor and pay us. Because they arent willing to work with us and Ive explained we wont have property taxes ever again. The only reason this is creating a hard ship is because the payment went up almost XXXX dollars more and they refuse to give us a normal payment. 

I appreciate you contacting me and trying to resolve this issue. I am definitely able to talk over the phone about any more questions you may have. 

Amerihome Mortgage is not working with me to pay even just the mortgage payment. The letter for the returned check says as requested but it wasnt.

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 2023-10-18 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: U.S. BANCORP
State: CA

Complaint narrative:
My bank account was hacked & used & money was transferred in and out from credit card to checking, US bank had FIVE DEBIT CARDS ATTACHED TO MY CHECKING ACCOUNT AT ONE TIME WITH 3 checking accounts established until they could figure out what was going on but only made the problem larger with so much confusion with the mishandling of disputes & money transactions, transfers, purchases, deposits, I filed a police report XXXX police & fbi for fraud identity theft, also filed claims with US BANK & my insurance company.money was taken out of my us bank visa as payment {$2000.00} on XX/XX/23? My visa account was. Closed & left with a balance of fees {$740.00}?

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 2023-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Selene Holdings LLC
State: NY

Complaint narrative:
XX/XX/2023 Email & US Certified Mail From : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. Email : XXXX Tel : XXXX Selene Finance LP, XXXX XXXX XXXX, XXXX, PA XXXX, To Whom It May Concern, LOAN NUMBER XXXX I am writing to express my profound disappointment and concern regarding the handling of my loan modification application, which has been pending for over six months. Today, after waiting an extensive period, I was informed that my application was not eligible based on the income-to-debt ratio. The lack of transparency, communication during the underwriting process ( there were zero communication ) and detailed explanation from your representative left me in a state of confusion and distress. 
It is imperative for customers like myself to have clarity and a comprehensive understanding of any decisions made concerning our financial standings, especially when we entrust institutions like Selene Finance with such crucial matters. The absence of detailed feedback makes it challenging for me to identify areas of improvement or to even rectify the situation. 
Therefore, I hereby submit my formal request to appeal the decision on my loan modification application. I urge Selene Finance to review my application comprehensively, and I am willing to provide any further information or documentation that may be required to support my appeal. 
In the spirit of fairness and transparency, I anticipate that Selene Finance will undertake a thorough review of my appeal and provide a detailed rationale for any decision made. Efficient communication and customer-centricity are vital attributes for financial institutions, and I hope my concerns are addressed promptly. 
Thank you for your immediate attention to this matter. I eagerly await your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2023-10-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I received a letter from the court at my job at XXXX. The payroll department sent me a letter stating that I will be paying XXXX dollars a week for 4 weeks that will be deducted from my pay due to a fraudulent credit card that is being charged to me. I have never owned a credit card through XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Genesis credit management needs to be put out of business immediately. Their staff is so disrespectful and enjoy yelling at people and talking down to them. It is absolutely disuting that they are allowed to still operate. They work with apartment companies to scam people out of money. I disputed the false claims brought on by my past apartment and of course... the credit company denied my dispute. Why would they accept it? they are scam artists and are only in this to ruin people and make FRAUDULENT money. DO NOT PAY your balance to these people if you believe its inaccurate. This company needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I currently have Ally Auto Financial as my lien holder for my XXXX XXXX XXXX. Facts are as follows : - Hurricane Ibigal ; damage to my car and had to be towed to the body shop for repair on XX/XX/XXXXXXXX   - XXXX car payment plus half an additional payment was made. ** Least amount paid every month before the XXXX, ( due XXXX ) was the monthly amount due/no missed payments/most payment were 1 & 1/2 the amount due** - XXXX XXXX XXXX notified me of Total Loss on XX/XX/XXXX. Updated XXXX XXXX via app of Ally Auto Fin info include acct #, payoff amount, contact #, total Loss ), all XXXX XXXX XXXX info given incl. policy # claim #, adjuster name and #, fax # etc. Permission to allow XXXX XXXX to discuss the account as needed for payoff. Received a payoff, per rep on XX/XX/XXXX. - Per rep, I was told to NOT pay my XX/XX/XXXXXXXX   payment and to cancel the autopay which was already scheduled as " this would tie up the car 's payoff and lein release '' XX/XX/XXXX. Expressed my concerns regarding payment to rep. - XX/XX/XXXX, on three way with XXXX XXXX, Called, got transferred 8 times, and put on hold in between, total of 2 hrs. Ally couldn't give the payoff and instructed to call on Mon XX/XX/XXXX. - Called Mon, XX/XX/XXXX - XX/XX/XXXX, every day and was transferred to every department within Ally, with a cumulative telephone time with Ally of 16 hours. Every rep every deptt, " couldn't give it to me '' due to the system not generating. Requested manual calc - Credit Report updated per Ally, " Account Past Due '' on XX/XX/XXXX -Called Ally back with XXXX XXXX for another round of holding without payoff. Again expressing importance of payoff -Credit report updated " Delinquent '' - XXXX XX/XX/XXXX Called daily attempting to obtain payoff, Sent multiple emails, faxes and secure messages r/e payoff and importance, even beggins XXXX Ally FINALLY GAVE ME PAYOFF, including late fees that was their fault, @ XXXXXXXX XXXX/filed for repossessors at XXXX XXXX. Ruining my credit, no excess for down pmt

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 2023-10-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I got no help from BMO at the transition of Bank of the West to their platform. 

Firstly, I was told that there was no guarantee that any of links would hold, because the ABA routing number was changing. In order to be sure I salvaged my perfect credit score, I had to act and relink my credit cards, utilities, paycheck, online savings, brokerages etc. to a guaranteed ABA and bank account number. As I was receiving no help from BMO, I chose at that juncture to relink to a different bank. This took multiple hours. 

I later again went into my main branch of the new BMO and asked if they could at least help me understand what my previous accounts were actually morphing into ; the nomenclature on my accounts and whether I needed a minimum required balance now at BMO. I was told that I would require a {$5000.00} minimum balance on all of my accounts, which turned out not to be true. The way my Money Market checking was structured at Bank of the West required NO MINIMUM balance. 
Another branch said that {$300.00} would suffice, so I left my Money Market Checking open with that {$300.00} minimum, only to be told by another branch that it requires {$1000.00} minimum at all times or Id be hit with a {$10.00} service fee. 
I immediately beefed my balance up to the required {$1000.00}, but that was obviously too late in the XXXX statement cycle. 
That branch manager said that he would waive the fee as a courtesy as soon as he saw it, because Id been given wrong information and rectified it as soon as I was given the correct information.

When the service fee hit, that manager did not reverse it as promised, he did nothing, thereby bringing down my balance to below the required {$1000.00} again making it assured that another {$10.00} fee would hit at the end of the XXXX statement cycle anew. 
I was out-of-state and didnt realize that he had lied until I arrived home and was able to check the account online from my desktop computer. 

I will now close that account and rescue the remaining cash in there. 

The gist of this is that I was lied to by three different branches in XXXX of 2023. 

The XXXX number is inaccessible all day and all night. 

I will next close out my Credit Card. 

Feel free to contact me, if youd like any further information. I have retained documentation of names and locations. This is not a good business model for a bank. 

I strongly recommend that no one bank at BMO.

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 2023-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
Every month I have my loan payments and make them on time. I have already resolved one delinquency because of UAS XXXX. I am on automatic eft for my payments and every month it says I haven't payed one of my loans even though I have payed them on time. Then they try to charge me for two payments the next month. I have emailed them every single month to fix this and they haven't for almost a year. I am also being charged late fees with this transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2023 I received in the mail a letter from XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating that I owed {$9200.00} to them. I responded with a a letter to XXXX on XX/XX/2023 sent with certified mail inquiring as to why they think I owed the debt. I requested XXXX provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the initial creditor, the chain-of-custody of the debt ( i.e. proof of XXXX 's ownership of the debt ), and details about XXXX authority to collect the debt on behalf of the original creditor in my state ( Florida ). XXXX mailed me back a document on XX/XX/2023 with information pertaining to the alleged debt to the original creditor ( the original credit card agreement and a recent credit card statement ). However, the letter did not provide information regarding the chain-of-custody of the debt ( i.e. proof of XXXX purchase of the debt from the original creditor ) nor verification of XXXX authority to collect the debt on behalf of the original creditor in the XXXX of Florida.

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