vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
First National Bank of Omaha Customer service was contacted in XX/XX/2024 to resolve a past due amount on a previous account. I was referred to their debt collector on record at the time I believe was named ( XXXX ). XXXX and i agreed to a settlement offer to bring account to a XXXX balance and report to chex systems for removal. To date this debt is still listed on XXXX XXXX with the same negative balance and error. I've contacted XXXX 's customer service several times and they refuse to take responsibility for this continuous error and refuse to provide me with documentation on letterhead via email stating this in error and that my account is settled. They also blatantly refused to contact XXXX XXXX on my behalf to further assist me. This negative action has led to me being denied opening a checking account within the last 30 days. When I presented this to the customer service representative her attitude and her tone was nonchalant and she could care less as a matter of fact which was depicted in the way she spoke. I further asked for a Supervisor whom came on the phone and further validated her subordinates behavior with the same behavior.

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I am disputing a late payment on my credit report for account number XXXX with Flagship Credit Acceptance on date XX/XX/year>. This is an error, this payment was never late and account have then since been payed off completely. Under FCRA Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute inaccurate information. Please investigate and correct this mistake. Please remove, block and delete all inaccurate information from my credit report. Thank You

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 2024-06-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: IA

Complaint narrative:
I got my loan in person and one of the first things I asked is if I could pay my loan off early and she said yes and when I was signing the paperwork I was asking if I made extra payments if I could pay off the loan sooner to save on the interest and she said yes, that I could even go into the branch to make extra payments and she would apply it directly to my principal balance. I re-read the contract and this rep failed to explain to me the entire truth. No, there would not be a penalty if I paid off my loan early but that I would not save anything in interest if I paid it off early because the finance charge is a set charge and that charge would not be refunded or credited back if paid off early. I think this is incredibly unethical and something should be done about it. This is deceptive practice and I know I am not the only person that this company has fooled when it comes to payment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Am Having a problem with Zelle that they not allowing me to use my phone number to register on Zelle on the XXXX XXXX and Cant Use My Email : XXXX to use it on Zelle i spoke with XXXXXXXX XXXX about the issue the Advice me they cant fix the problem because unfortunately zelle is blocking the phone number and email to register on zelle on XXXXXXXX XXXX  and unfortunately XXXX cant fix this problem because is coming from zelle

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in my account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2024-06-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I made a deposit of a federal government check for XXXX on XX/XX/XXXX. Capital One is holding the funds because they say it has a fraud risk. It is now XX/XX/XXXX and the funds are still on hold. This hold is ridiculously long. Surely the check has cleared the issuing bank by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
Hello CFPB, I would like to know why banks that send you credit cards don't disclose how one can close their credit card account as easily as they open it. So banks send to the consumers letters with offers to sign up for a credit card. But they never tell consumers how to close an account. 
Why they don't have available a button under every card account to let the users close the account when the balance is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: KY

Complaint narrative:
In XXXX We ended our XXXX XXXX XXXX service due to poor service, reception and connectivity issues at our home area. We returned our phones to XXXX XXXX XXXX as directed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX are claiming they only received XXXX of the XXXX phones ( they were sent together in the same box ). 
XXXX XXXX XXXX tried to charge us {$630.00} for the missing phone and we refused based upon our returning it via XXXX. We were advised to go to XXXX to get another receipt, the XXXX store in MI advised they can not put up former receipts without specific previous shipping/tracking numbers. This was been going on for over XXXX. We have done exactly what was asked of us by XXXX XXXX XXXX and request some relief with this matter. XXXX XXXX XXXX has now posted a $ XXXX derogatory credit mark on my credit report, we are in the middle of attempting to purchase a home and were declined as a result of the unknown credit mark by 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 explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have submitted disputes with Equifax regarding their reporting of an incorrect collections account ( XXXX XXXX XXXX ) on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have submitted and mailed court documents along with my identification documents to verify that they are reporting inaccurate information. I have called to speak with Equifax customer representatives regarding this case on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite calling and speaking with managers and consumer affairs, nothing has been corrected in the reporting of this account. No actions have been taken by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Click n' Close, Inc.
State: TX

Complaint narrative:
I requested XXXX forbearance in XXXX due to significant income loss. The 12 month forbearance ended XX/XX/XXXX. To which I inquired if there was an option to go beyond the 12 months, as there had been previously. I was told that was not an option, so I was sent a loss mitigation package which I filled out an returned. I was told at the beginning of the forbearance that I would be able to roll all past payments to the end of the mortgage as a balloon payment. The reason I know this is because my girlfriend works on at XXXX XXXX. She has shown me the guidance on this. She is also ending forbearance ( with XXXX ), and her past payments are being rolled into the back of her loan. She was also on XXXX forbearance and she started hers the month after I did. 
My servicer reported a 180 day late ( without any previous lates ) in XXXX. I was told that my loss mitigation package was accepted and that I wouldn't have a payment due in XXXX. I called back to inquire about the late payment and asked why it was reported that way. I was told that the information had been previously shared with me and it was not. I am in the mortgage industry and I cant have derogatory marks on my credit due to various license applications that I must submit at different times. I would have never entered into this had they told me that I would be shown as late on my credit. 
I called back on XX/XX/XXXX and said I could make a regular mortgage payment as to avoid the late on my mortgage and they said I couldn't and I had no choice but to have it show as late ; unless I decline the loss mitigation option and pay the approximately XXXX that is due from the forbearance period. 
My understanding, under the CARES Act that no derogatory marks would be issued once in XXXX forbearance period. They came to me with the loss mitigation payment which is higher than what my regular payment would have been. If I am struggling how does that make any darn sense. My escrow should also go down because of a reduction in my property taxes but they said they cant adjust it because I'm in a trial period. This just seems antithetical to common sense. 
I do think that my servicer may not be applying the rules correctly or misinterpreting the rules. I had to get XXXX XXXX involved twice when I was applying for the forbearance as they rejected it hence why Im coming to your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: WI

Complaint narrative:
XXXX XXXXExperian credit reporting company refused to make very pessary adjustments showing on my credit report This account is REPORTING DEROGATORY ACCOUNT WHICH HAS AFFECTED MY CREDIT SOC RATEIN I CONTACTED CREDIT BUEAUS. Which has file on Going disputes XXXX xtimes who refused to make. Chances. RATES seen on my credit report XXXX NAME CREATED XXXX XXXX WHICH provide me XXXX a letter sending me a DIFFERENT lWhich shows NO LATE PAYMENTS how is being reported Delinquency on my credit report .Which ACCOUNT is. paid in full... also on time This account doesn't need DISPUTE. This account needs to make change on the Scores and the XXXX. 
For my personal records. due to this account wasn't never late account payments paid on time. And again. Credit Bureaus. REPORTS MAKES DECISIONS OF HOW these accounts are Graded not the companies

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 2024-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tri-State Adjustments, Inc.
State: SC

Complaint narrative:
I received a letter in the mail from Tri-State Adjustments stating I owe {$300.00} plus fees of {$30.00} to total {$330.00} to XXXX XXXX XXXX. # XXXX the spelling of the school is incorrect. # XXXX I spoke with the XXXX XXXXXXXX XXXX and said this was a scam and that I did not have anything owed to the school. The Reference # is XXXX. 
Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
incorrect information 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
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. 
Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : account name : XXXX XXXX account number : 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 2024-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I am writing to file a formal complaint against Credence Resource Management , LLC ( CRM ) and XXXX XXXX XXXX XXXX regarding their unlawful debt collection practices and violation of my consumer rights. 
On XX/XX/year>, XXXX wrongfully forwarded my alleged debt of {$360.00} to CRM, an unbonded collection agency, to collect on their behalf. This action by XXXX was irresponsible and potentially illegal, as they should have ensured CRM was properly licensed and bonded before assigning my account. 
CRM then engaged in deceptive and unlawful practices : -Lack of Consent : I never gave direct consent for CRM to contact me regarding this alleged debt. 
-Unlicensed Collection Activities : Through my own research, I discovered that while CRM may be licensed, they are not bonded as required by New York State law for debt collectors operating in certain municipalities, including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Each of these areas requires a specific type of surety bond known as a collection agency bond in a specific amount. 
Improper Credit Reporting : CRM reported the alleged debt to credit bureaus without proper validation or my agreement to its legitimacy. 

I reported CRM 's shady practices to the New York State Division of Consumer Protection. Only after being contacted by this regulatory body did CRM recall the debt to XXXX, as evidenced by the attached letter dated XX/XX/year>. This action clearly admits guilt and demonstrates an attempt to relinquish responsibility for their unlawful practices. 
I am requesting that the Consumer Financial Protection Bureau investigate both CRM and XXXX for these violations of consumer protection laws. I seek the following remedies : -Removal of all negative credit reporting related to this alleged debt. 
-Confirmation that the debt has been permanently recalled and will not be reassigned to another collection agency. 
-A formal apology from both CRM and XXXX for their mishandling of this matter. 
-Monetary damages to compensate for the negative impact this unlawful reporting has had on my credit score and my ability to obtain credit. 
-Any applicable fines or penalties to be levied against these companies for their unlawful practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My personal information is incorrect on my credit report. Along with incorrect credit information! This incorrect information is negatively affecting my credit report and is in violation. I have tried to contact and correct these issues for over 3 months! I want Equifax to correct all information that is reported on XXXX XXXX XXXX. XXXX. XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I applied for the chase sapphire preferred card on XX/XX/XXXX through my chase app. I have a checking and savings account with them. Along with a chase freedom card of 17 years. I have never had this particular card before but I saw a pre approval and bonus offer in my chase app so I applied. Once I got my card I starting spending so I could meet the requirements to get the XXXX points with account spend. I didnt get anythings out the welcome offer with my card so I called. I was told I didnt qualify for the bonus offer. And I should have gotten a pop up of the denial in the app. I never received a pop up and have never had this card. Why would I apply and do a hard inquiry on my account for no reason. Chase used that offer to get consumers to apply. Its false advertising. Many other people I see online have had the same issue and with no resolution. Im willing to pull all my account to be use of this. I have been a loyal customer for 17 years. Always paid on time. I escalated the issue on XX/XX/XXXX. Made another inquiry XX/XX/XXXX via secure message and still denied but no reason. I called XX/XX/XXXX told the same and that my escalation was resolved same day without even letting me know. Horrible business practices and conflicting and confusing process.

Company response to consumer: Closed with explanation