vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I am writing to formally dispute and express my concern regarding an inaccurate credit report filed by USAA, which has had a detrimental impact on my XXXX XXXX. My purpose in reaching out to you is to request assistance in rectifying this situation and ensuring that my consumer rights are upheld. 
I recently obtained a copy of my credit report and was dismayed to discover that USAA had reported a XXXX late payment on my account for the month of XXXX. I wish to assert that this information is entirely inaccurate and does not reflect my payment history with USAA. 
In XXXX, I made my regular monthly payment of {$330.00} to USAA on the XXXX, which was well within the due date. Additionally, I mistakenly made an extra payment of {$330.00} on the XXXX of XXXX. This accidental payment was not intended as I had already paid my monthly obligation. Therefore, not only was I not 30 days late, but I actually made an extra payment that month. 
I believe that USAA 's reporting of a XXXX late payment on my account is in violation of the Fair Credit Reporting Act ( FCRA ), which stipulates that credit reporting agencies and creditors must provide accurate and verifiable information to consumers ' credit reports. In this case, the information provided by USAA is demonstrably false and does not accurately represent my credit history. 
Furthermore, I wish to emphasize that under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and have it corrected promptly. I have attempted to resolve this issue with USAA directly by disputing the inaccurate information with them, but they have not taken appropriate action to correct their error. 
I kindly request that you intervene on my behalf and investigate this matter thoroughly. I believe that USAA should be held accountable for their inaccurate reporting, and the XXXX late payment entry should be removed from my credit report immediately to restore the accuracy of my credit history. 
Please find attached copies of relevant documents, including proof of my XXXX payments to USAA, to support my dispute. I appreciate your prompt attention to this matter and look forward to a swift resolution that upholds my consumer rights and restores the accuracy of my credit report. 
Thank you for your assistance in this matter. Please do not hesitate to contact me if you require any further information or clarification

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
While applying for new loans, I found out that two of my student loans were in default during the time that I was enrolled in school.

I have contacted the Heartland ECSI 4 different times, and every time, I receive new and contradictory information about the status of my loan

s in default. Phone Call 1 : I was told that the only way to get my loans out of default was to get on a payment plan and show 6 months of payments. Phone Call 2 : I asked for information about in school deferment that was submitted and the rep. t
old me that I did not submit those forms and that I needed to contact ECSI directly when this was never the process. Also, the loan that I was attending during the time of deferment was serviced by ECSI. I asked to speak to a supervisor, and the rep told me that I needed to hang up to speak with another rep. because a supervisor wasn't available. I also asked this rep to walk me through the wesbite where I can find signed documents that shows policies, and they do not exist on their website even though they are my loan servicer. I was directed to contact my former school. He also informed me that I was supposed to contact ESCI directly, even though the XXXX XXXX clearly states that no information will be received from the student. But my school did it on my behalf. 

Phone Call XXXX : I spoke with another rep who gave me helpful information that if the school can prove that they submitted an in-school deferment on my behalf, they could get my loans out of default. Even though he believed that did not happen because it was not reflected in the system. 

I called my school, and they said they submitted it through the XXXX XXXX. 

Phone Call XXXX : I spoke to another person, and she was most helpful but was sharing contradictory information. She first said that she could not see that my former school submitted anything, but she checked the back office and said that they saw it. However, it couldn't have been applied because I was already under a bankruptcy deferment. I asked how would a student know that. She said it would be on the website and that I would have received a notification via email about it. I asked her to walk me through the website, and after about XXXX minutes, she said that information was ONLY available to the back office team. But ensured me that they did their part. I told her that was untrue. If my school submitted an in-school deferment, and when the bankruptcy deferment expired, then the school deferment could have been applied. She informed me that I should have reached out to ECSI and asked for one that was already submitted by the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
My employer received a notice of wage garnishment from JOHNSON MARK LLC. It states that it was the Second notice to the employer, but my employer said they never received a first notice. There was a court hearing to obtain judgement for this wage garnishment that I never received notice of and was unaware took place. I have tried numerous times to contact this attorney 's office and can not get a response, to even find out what this is. It is now showing up on my credit report and may have an effect on my ability to rent a home by the XX/XX/XXXX expiration of my lease. I noticed the judgement date says XX/XX/XXXX. The copy of the judgement says XX/XX/XXXX. Then it says I have 10 days to file an answer with the court. My employer didn't even receive this until XX/XX/XXXX. Then it goes on to state something about XXXX XXXX. I am not an attorney and do not know what it is talking about. I need help. I feel like I am being CREDIT BULLIED! There is nothing I can do if I can not even get a response from this XXXX office. I NEED HELP! PLEASE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: FL

Complaint narrative:
I would like to follow up on the status of the accounts listed below, which are reported by TransUnion & XXXX agency : XXXX XXXX XXXX- XXXX XXXX XXXX - XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX  XXXX As you may be aware, most of these accounts have already been deleted from XXXX 's records, Now, since these Consumer Reporting Agencies does rely their information from the same furnisher for each account, I assume that they should have access to the same updated information as XXXX. 

I am requesting that they must delete the inaccurate accounts that were previously reported by their agency, as they have been deleted from XXXX 's records.

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 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
My account is currently closed. I sent in an inquiry on a dispute dated XX/XX/2023 in the amount of {$3200.00}. This dispute was supposed to be ruled in my favor as I sent in evidence they failed to acknowledge any evidence I provided. Until I filed the complaint with you, they did a proper investigation and sent me a reference letter dated XX/XX/2023 that they would be sending a cashiers check in the amount of {$3200.00}. Unfortunately, there was also money that I had in the account that I had used to pay the account to bring back to a positive balance. I was told from the previous XXXX who issued the amount of {$3200.00} to file a secondary complaint. I did that unfortunately the new XXXX retaliated against me because I tried to explain numerous times, how can I have a negative balance after the dispute was credited if there was a positive balance when the account closed. she failed to understand my concerns and instead communication between her and I she has retaliated and also rejected the previous cashiers check for {$3200.00}, and also to rectify my positive balance and readjusted the account To bring the count to a XXXX balance. I have full evidence, documentation and paperwork showing the retaliation from city along with the letter stating they would be sending a cashiers check in the amount of {$3200.00}.

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 2024-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Title XXXX subsection title XXXX faults and misleading denial of own credit. They can not violate me of my own personal credit violation of consumer law. and theyre sharing false information.15 USC 6802, 15 USC 6803, 15 USC 6804 and 15 USC 6805

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: PA

Complaint narrative:
Im begging you please remove this to the 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
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Theyre being prejudice against me theyre denying every application title, XXXX subsection title, XXXX faults, misleading in denial of my own personal credit

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 2024-01-10 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
My information was sold and bought illegally because I was victim of the XXXX data breach. L want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted Account # XXXX XXXX XXXX. 
Please help me delete these illegal items from my credit report immediately. Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXXXXXX. Please delete these accounts from Expirian and XXXX as well.

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 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for a credit card on line on XXXX XXXX, based on the fact that I had a 99 % chance of approval, according to XXXX. 

The bank involved was U.S. Bank. 

They did not identify the reason when denied, but said I would be getting a written letter documenting their reasons within 10 business days. 

That never happened. 

As it has been more than a month since I was denied, with no contact from U.S. Bank, this complaint is being filed. 

They knew that they had to comply with the law, and have failed to do so.

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 2024-01-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I keep receiving credit alerts regarding an outstanding balance on a Navy Federal credit card that I was added to as an authorized user by my sister. Whenever I call the automated system or try to establish an account online, the system says it can not verify me with my social security number and date of birth. However, the bank representatives can pull me up with that information. Today, I visited a Navy Federal branch in person, presented my identification, and was advised that the account was closed but has an outstanding balance. However, the credit bureau only indicated that payments are late on an open account. The representative in the branch also stated that I am liable to be garnished if the bank needs to collect the outstanding balance. However, the branch representative was unable to give me access to the online accounts. I followed up later today with XXXX and XXXX by phone requesting access to the credit card account and assistance with creating an online account to obtain statements or copies of the information that is being negatively reported to the credit bureaus. Both representatives refused to update my contact information in the system or help me establish an online account so that I could access the information being reported to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My account has been blocked for no reason and I cant access my funds. Its been weeks now and my funds are needed for my familys everyday necessities including rent. This has caused exorbitant XXXX  and inconvenience for my family. 

I have filed complaint with Citibank Executive Response Unit at : XXXX Case Number : XXXX Case XXXX : XXXX Account number : XXXX Account type : personal checking account Account holder Name : 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 explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention a concerning and unresolved matter involving my financial transactions with Robinhood. Your office 's assistance is necessary to rectify my current issues with their services. 

On XX/XX/2023, I initiated a transfer of {$49000.00} from my XXXX account to my XXXX account. Despite the initial delay in the verification process, my subsequent transactions, involving bi-weekly transfers of {$3000.00} from XXXX Bank XXXX XXXX account, proceeded smoothly until XX/XX/XXXX. 

Unexpectedly, Robinhood declined my transfer on XX/XX/XXXX, displaying an error message. Attempting a second transfer on XX/XX/XXXX, the system encountered an error during the first attempt. Though the second attempt was confirmed, XXXX debited my account twice on XX/XX/XXXX, causing a negative balance with Bank XXXX XXXX. 
Despite numerous attempts to resolve the issue directly with Robinhood, they refused to return the {$3000.00}, advising me to seek resolution with my bank. I followed their suggestion and, with the assistance XXXX Bank XXXX XXXX, initiated a dispute to expedite the return of the funds. 

Amid these financial challenges, I needed to withdraw {$26000.00} from my Robinhood account for Q4 taxes. However, Robinhood declined my withdrawal requests twice, demanding additional documentation. Upon providing the required identification and bank statements on XX/XX/XXXX, they assured me of a XXXX hour transfer timeframe, which never happened. 

To my dismay, on XX/XX/XXXX, Robinhood abruptly notified me of the closure of my account under their terms and conditions, stating they would only return funds to the originated or linked account. Despite numerous attempts to seek clarification and resolution, I have been met with unhelpful responses, being redirected through various channels without a satisfactory resolution or explanation of the reason for account closure. 

They sent me a second email today stating that they will return my funds to the originating source, and I can contact my source with questions. The issue is that I tried contacting them about how my originated source ( XXXX savings ) has closed, and I need them to return funds to the currently linked account XXXX Bank XXXX XXXX ). I have not been able to reach anyone since they sent that email. 

Given the urgency of my financial situation, I request your intervention to ensure that Robinhood promptly returns the funds, amounting to {$55000.00}, to my Bank XXXX XXXX account, which is linked and verified by their platform. 

I appreciate your prompt attention to this matter and thank you for your assistance in resolving this unfortunate situation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: PA

Complaint narrative:
The student loan was from 2004, its been 20years now and the U.S. Department of education is still reporting the loan to my credit. I've never reached out to anyone and the U.S. dept. of education claims I've agreed to repay with an installment plan. That is completely false because I have had no contact with them whatsoever. They have provided false information, please advise on how to resolve. I recently contacted XXXX and there investigation report did not resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of XXXXXXXX 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 explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Hello, I started using Coinbase long time ago, all of the suddent the frozed my account. 
They asked for my ID 's, I summited my ID 's a few weeks ago, my account still frozen. 
I have contacted them and open a case, it looks like they are playing with me. 
Im a legal resident of the U.S.A, I summited all my ID 's, they have no reason to keep my account frozen, please help, I need those funds. 


XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Despite a stellar credit history and credit worthiness, Bank of America has decreased my credit limit significantly, causing my card to be over it's limit. This in turn has significantly negatively impacted my credit score due to the over-limit and skewed utilization from the decrease. I was not contacted about this or notified until after it was done and it has caused my rates on my other cards to go up and is 100 % a malicious business practice.

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