vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was looking at my credit report and I noticed a late payment From Sheffield financial. I contacted them I tried to resolve to no avail. Upon my research, in accordance with the Fair Credit Reporting Act the creditor has violated my rights under 15USC1681 Section 602. States that I have the right to privacy. 15USC 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on an account under an open and consumer credit report plan as late for any purpose.

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 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. 

I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This is a general complaint against all banks that offer checking - Checks that are postdated should NOT be accepted prior to the date written on the check. If a check is considered a legal document when it bounces ( check fraud ), then, like all other legal documents, it should not be valid until the date written on 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 2024-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

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 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I recently applied for a Bank of America XXXXXXXX XXXX I was approved and received the card. Its promo promised {$250.00} cash back ( aka XXXX points ) after my expenditures were met. I called a BofA rep, who assured me that I would receive {$250.00} cash XXXX points posted on the next billing cycle. I asked if I couId use the {$250.00} as a statement credit. The rep said yes. Thereafter, I met BofA 's expenditure criteria and received my points. During the redemption attempt, the following occurred : When I chose the cash back option, I was to be paid via snail mail check for a little over {$150.00}. No deal. I chose the better 2nd option, which was {$200.00} in gift cards. I received said cards. After redemption, with a bit over XXXX points remaining in my account, and less than BofA 's required minimum redemption amount, I was unable to obtain the last {$50.00} due me, which would have demanded more purchases on the card. I stopped using the card. Therefore, BofA falsely touted {$250.00} cash back for the XXXX points I had accumulated. I consider that a breach of contract. 

I wish to be contacted via email. I am an infrequent phone user, and my phone stays off.

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 2024-12-21 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: CL Holdings LLC
State: NC

Complaint narrative:
I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. There is no legal proof supporting the accuracy of these marks, and they have not been properly verified.

There is no legally admissible evidence to verify the accuracy of what Jefferson Capital LLC : Opened : XX/XX/year> is reporting {$11000.00} on my credit files, and this agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by Jefferson Capital LLC, in direct violation of the FCRA. I have discovered that Jefferson Capital LLC fraudulent account. I need proof of a wet signature of an application w/ Jefferson Capital LLC and proof this is a credit transaction ; the agency is in violation of federal laws, and I will go legal if this is not removed. My consumer rights are being violated. Jefferson Capital LLC accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

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 2024-12-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Long & Foster Financial Services, Inc.
State: AZ

Complaint narrative:
Some time between XXXX XXXX  I was advised by my broker with Prosperity Mortgage LLC that since we were having issues with the sale of our previous home, we would be able to recast our mortgage after closing of the new home and have our minimum payment due adjusted due to the large down payment. I was told it would be a {$250.00} fee and that was that. I wish I had gotten this in writing, otherwise we would not have went forward with this purchase. On XX/XX/year> I had reached out to my now mortgage lender, XXXX XXXX, to get more information on the recast process. I was told we were not eligible due to having a VA loan. I reached back out to my broker to only be told " we can refinance you, but can not recast ''. I feel this deal was predatory as they knew we would back out of the deal otherwise, and the alternative provided was incorrect. I will never refer this company clients or use them again after this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-21 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I've filed with CFPB on numerous accounts with Navy Federal credit Union. They have responded to none. Pursuant to the federal law I want all debts immediately removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I had purchase two American express gift cards for XXXX dollars. I tried to use them multiple times with an online merchant, but the purchases were declined. I tried varying amounts, entering and leaving the numbers and nothing worked. 

I call in three times into customer support and was given mixed messages, but I was told on my second call that I could have the cards cancelled and reimbursed. I moved forward on my third call wanting to do that option but I was told that the cards are now non-refundable and I should simply use other merchants beyond the one I'm trying to use it for. I had purchased these cards for this specific purpose with the understanding they could be used like American express cards. I've been an AMEX cardholder for over 20 years and the service was disappointing to say the least especially with the mixed messages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KY

Complaint narrative:
On XX/XX/XXXX, I received an email from Federal Student Aid ( FSA ). The letter thank me for my public service and stated I was eligible for PSLF. My effective date of forgiveness was XX/XX/XXXX. It stated I can expect discharge within 30 business days and no further action was needed. The loan is being serviced by Mohela, which I have contacted once a week since XXXX. Between Mohela and calling FSAcustomer service can not explain why the 30 business days have come and goneand this loan hasnt been discharged even though, I qualified XX/XX/XXXX and was notified on XX/XX/XXXX. 

Please HELP! XXXX XXXX XXXX XXXX and have worked in XXXX  for over XXXX  years. I have provided public service and my request is that Mohela and FSA provided the services that I am entitled to receive. I am a member of a PSLF group and others who received the same letter in XXXX, XXXX and XXXX have been discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Americor Funding, LLC
State: NJ

Complaint narrative:
I had an account with the company Credit9 INC that I paid the negotiated balance more than 3 years ago. On repeated occasions I have disputed this account on my credit report, but to date the account continues to appear with an incorrect status.

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 2024-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Well, Santander Consumer USA its an auto loan theyve been wanting me to pay {$10000.00} for a car I dont have and they got it on my credit report and they already sold my information. I didnt give them the right to sell my information or put it on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: IN

Complaint narrative:
A COLLECTION CHARGE OFF WAS ADDED TO MY CREDIT REPORT AND IT NEEDS TO BE REMOVED IMMEDIATELY THIS CHARGE OFF IS INACCURATE AND INCONSISTENT AND IT VIOLATED MY CONSUMER RIGHTS COLLECTION CHARGE OFF IS XXXX XXXX DATE OPENED XXXX ACCOUNT NUMBER IS XXXX  I need this removed 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 non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV Funding LLC opened XXXX collection accounts on my credit report in the amount of {$1100.00} and {$1700.00}. When the company originally contacted me around XXXX of this year, I told them all communication needs to be through email as my employer does not allow me to take personal phone calls from XXXX central to XXXX central and that every XXXX week on a rotational basis, my shift ends at XXXX. I asked them to send validation of debt to the address on file. They could not verify my home address allegedly sent from the original creditors and said it was my job to tell them what it is. 

On XX/XX/2024, I received a notification via XXXX XXXX monitoring that there were XXXX collection accounts on my credit report. I have disputed it with XXXX specifically several times. XXXX has - within XXXX minutes of requesting XXXX said the debt was verified. I contacted XXXX to see what information they used to complete the verification. They said name and home address, but when XXXX contacted me in XXXX they could not verify my address. At this moment, it does not show on any other agency reports. XXXX has had since XXXX to provide this information to me. According to law, they must remove the account until verification can occur. 

This company consistently calls me on a near daily basis after requests for communication via email was requested during the initial phone call. No verification has been received. 

I have been a victim of identity theft due to the Department XXXX XXXX 's XXXX breach as well as the XXXX and XXXX breaches XXXX I am a XXXX veteran using military style passwords for all accounts. The breaches were not due to neglect on my part, but I have to deal with this the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As i look on my credit report i see XXXX  ( XXXX  ) on XX/XX/XXXX and dont know what that bank is and XXXX ( XXXX  ) XX/XX/XXXX where i have never received anything nor asked for anything from the same aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX which i have never done business with none of these businesses never asked nor received anything from these establishments

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 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I called chime asked chime what was the reason for the closure of my account. They informed me they could not inform of the reason. I Then asked chime when checking my credit they are reporting on my credit, so I asked chime ; which the call is recorded do they comply with the guidelines of the fair credit reporting Act the agent informed me that he couldnt provide me with that information. He told me XXXX was the reason for my account closure and that it could not be appealed or Re opened. Then asked chime why wasnt I informed of the closure, or the reason for closure. The agent inform he couldnt provide me that information as his system allows him to only seem limitied amounts of information. Then replied to the agent if Im not providing and explaination but you are reporting to my credit I would have no choice to contact CFPB. Chime then continue to steal say only information that I would be able to receive is that the account is closed. Please advise how a company can inform on my credit on my behalf and still not be able provide reasonable articulation of a closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year> my auto loan was paid off in full. XXXX XXXX XXXX account number XXXX Auto Loan. Transunion is reporting incorrect information. My credit score was affected by this.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Account is closed and paid and it keeps showing up on my credit report. 
XXXX XXXX CCB/ALPCOS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Account is closed and paid and it keeps showing up on my credit report. 
XXXX XXXX XXXX THD/CBNA

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