vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 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: GA

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.

has violated my rights. Or a list of inquiries : 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 2023-11-27 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: GA

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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-11-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am a victim of identity theft. This Bk of Amer is fraudulent and preventing me from obtaining a vehicle. I am not able to get my children to school. I have submitted all the documentation according to the fcra 605b social security card, identification, and utility bill and this account is still on my 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 explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: FL

Complaint narrative:
They see the 2 transactions but are going to take up to 14 days to get my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I was approved for discharge both from the group discharge from Pres. Biden and Sweet v. Cardona but has not received my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I have a pre-paid ( Debit ) checking account with American Express, they refuse to make my funds available for my uses, from a merchant. The merchant issue a refund from a cancelation into my American Express account. the bank tried to make me believe the merchant had or have a hold on the funds after returning the funds back to my card So American Express Bank refused to make my funds available for my used. I contacted the merchant they said that was very unusual, but the sent me a statement stating that fact. I would like my funds made available for my use, instead of the band collection interest on my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: First Technology Federal Credit Union
State: NC

Complaint narrative:
I recieved a phone call stating that I applied load with First Tech Credit Union in XXXX. 
I never applied for a loan nor am I a member of the credit union. I live in XXXX XXXX 
I recieved a letter from the credit union and for all of my personal information and I have called the credit union to try to resolve the issue. With no luck. So I wanted to report it to the FTC.

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 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recieved a copy of my credit report and noticed 4 accounts on my credit repor thats not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: TX

Complaint narrative:
To whom this may concerns : My wife and I negotiated an apartment lease cancellation fee and subsequently paid a cancelation fee to XXXX XXXX XXXX  in the amount of USD XXXX. As a result, this fee brought our balance to USD XXXXXXXX XXXX XXXX XXXX incorrectly reported the fee of XXXX to XXXX XXXX XXXX. Subsequently, this has impacted me and my wife 's credit score with XXXX, XXXX, and TransUnion. We submitted written request, which included USPS certified mail, to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and TransUnion requesting to remove the collection balance from our credit reports. 
Action dates : XXXX ). On XX/XX/2023 a written request was sent via USPS certified mail asking to dispute account with original creditor. Letters were addressed to TransUnion, XXXX, and XXXX. 
XXXX ). On XX/XX/2023 a written request was sent via USPS certified mail asking to dispute account with original creditor. Letters were addressed to XXXX XXXX XXXX. 
XXXX ). Beginning XXXX through XX/XX/2023, multiple attempts made to XXXX XXXX XXXX  to correct the issue they initiated. No response. 
XXXX ). On XX/XX/2023, my wife and I re-ran our credit reports to see if dispute was resolved. As of XX/XX/2023, the dispute is still active. 

Additional details available upon request.

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 2023-11-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom this may concerns : My wife and I negotiated an apartment lease cancellation fee and subsequently paid a cancelation fee to XXXX XXXX XXXX  in the amount of USD XXXX. As a result, this fee brought our balance to USD XXXX. XXXX XXXX XXXX XXXXncorrectly reported the fee of XXXX to XXXX XXXX XXXX. Subsequently, this has impacted me and my wife 's credit score with Equifax, XXXX, and XXXX. We submitted written request, which included USPS certified mail, to XXXX XXXX XXXX, XXXX XXXX XXXX, Equifax, XXXX, and XXXX requesting to remove the collection balance from our credit reports. 
Action dates : XXXX ). On XX/XX/2023 a written request was sent via USPS certified mail asking to dispute account with original creditor. Letters were addressed to XXXX, Equifax, and XXXX. 
XXXX ). On XX/XX/2023 a written request was sent via USPS certified mail asking to dispute account with original creditor. Letters were addressed to XXXX XXXX XXXX. 
XXXX ). Beginning XXXX through XX/XX/2023, multiple attempts made to XXXX XXXX XXXX  to correct the issue they initiated. No response. 
XXXX ). On XX/XX/2023, my wife and I re-ran our credit reports to see if dispute was resolved. As of XX/XX/2023, the dispute is still active. 

Additional details available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I live in XXXX and as I will not be travelling to the XXXX any more ( due to health reasons ), I wanted to close my checking account with Truist bank in XX/XX/2023. As the online banking had a technical problem, transferring the closing balance amount of XXXX myselfwas impossible, staff of the customer service chat were trying to help but couldn't due to Truists banking system being unable to use a XXXX mobile number to send a token for a transfer. In the end I agreed to the issuing of a check, although I knew that cashing a USD check would be very, very difficult. 
The account was closed, then the check arrived a few weeks later and as predicted, I couldn't find a bank that accepted the check. 

A friend of mine offered to take the check on her trip to the XXXX and cash it at a Truist branch. She carried a very detailed Power of Attorney but none of the banks she tried, were willing to cash the check, not even Truist. 

It took me months to finally find a bank here in XXXX that was willing and able to cash the check - I had to open an account with them etc. 

I mailed in the check only to have it returned, saying it had expired I have been in contact with aTruist representative - a so called Client Resolution Specialist - all the time. They insist on the check and claim to be unable to wire transfer the closing amonut balance to my other XXXX account. 

In order to have the check re-issued, I had to send in a Declaration of Loss form. As Truist do not accept foreign notaries, they expect me to get a US Embassy seal or official Apostille to prove that the check has been destroyed. 

I am XXXX XXXX XXXX with health problems and am expected to travel XXXX by public transport to get to the closest Embasy - Truist show no mercy and insist on this. They have been chasing me around for almost one year now and are unwilling to pay out my own money to my own account by wire or ACH transfer. I can not understand how a bank should not be able to initiate a money transfer - I am at the end of my wisdom, I have begged and pleaded with them but to no avail.

I had offered to send a video of myself showing how I run the check through a document shredder but today received a message that they insist on the Apostille or Embassy seal.

They can't just keep my money, that is theft and embezzlement! Please help!

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 2023-11-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
My father XXXX XXXX died in XX/XX/2023. I inherited his house upon his death ( title is in the name of his trust and I am the beneficiary of his trust and will ). I contacted the mortgage servicer CrossCountry to inform them that I was now the owner of the home and to obtain information about the mortgage. They refused to give me information and told me I needed to submit documentation to prove that I owned the property and establish myself as Successor-in-Interest ( SII ) on the mortgage account. They sent me a checklist of documents needed. After submitting all the documents I had in my possession and that were on the checklist ( including the trust, will, death certificate ), CrossCountry is still refusing to authorize me on the account as a successor, stating they need more documentation. I was perplexed because I gave them everything I had. I sought the help of a Legal Aid attorney to intervene and they told the attorney that I still need to get a court order or official letter from my county. The attorney explained that this is not possible to obtain in my situation, yet CrossCountry still will not authorize me on the account. The account is delinquent and I am worried that the house will go into foreclosure over their refusal to give me information about the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX or so, I made a cash deposit of {$5000.00} via ATM. I then made a ACH withdraw request, asking XXXX to get the cash from the Citi account. This was because I was going to transfer the money overseas using XXXX. This would have been a much cheaper option than doing an international wire transfer. 

On around XX/XX/XXXX, I couldn't log into my account. I tried to reset my password, and the site told me my account was inactive. I called on XX/XX/XXXX, and Citi transferred my call to the fraud department. I told them why I made those transactions as above, and that I recognized the transactions, and they were not fraud. They only told me that the account was " in progress '' and for me to wait to the end of the week. 

Today XX/XX/XXXX, I called again and was told the same story. They told me they should have sent me a letter, but I have not received anything since the issue first came up around the XXXX. Citi is just keeping my money frozen with no estimates of when they will resolve.

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 2023-11-27 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: EQUIFAX, INC.
State: DC

Complaint narrative:
On XXXX  unauthorized inquires was discovered on my Equifax credit report. When I contacted the creditors Burau listed above, they said " they can't remove the inquires. And said there are no such accounts or inquires on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This debt collector EXPERIAN engaged in unfair practices of the FDCPA which it prohibits. They furnished all my accounts that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to {$1000.00} dollars per violation and clearly they violated my rights.

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 2023-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: LA

Complaint narrative:
As of early to mid XXXXXXXX XXXX, Loancare , LLC, has been down. The parent company, XXXX XXXX XXXX, shut everything down after a cyber attack. They still have not got it up and working. We can not access our mortgage accounts to make payments ( I've never been late ).

Absolutely, No Communication from Loancare about this serious situation. We learned through message boards and forums. 

** My financial data is now compromised. ** My payment, well, who knows when the Site will be up, so more than likely it will be considered late and my credit might take a hit through no fault of my own.

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 2023-11-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
Jefferson capital systems has contacted me about a debt that was result of identity theft back in XXXX. According to the law 15c it was supposed to be deleted years ago when I reported it. I also did not receive proper debt validation. 
In the amount of {$2300.00} Jefferson capital systems knows this was a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2023 I was notified that my credit card account was closed on XX/XX/2023. I never received any notice that my account was actually closed and it was 148 days overdue.

I spoke with multiple representatives who stated that the account was 90 days overdue and suspended and I only need to make 2 payments to bring my account current. I received a notice that that said make a payment before closure. 

I never received a notice stating that the account was closed. The representative I spoke to in XXXX never stated the account was closed and that I had to call back to make this month payment. I requested that the account be re-instated because the creditor was providing misleading and false information. I have been trying to get my accounts current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Collection Services, Inc.
State: TX

Complaint narrative:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have reached out XXXX, Transunion, and XXXX on multiple occasions regarding disputes of inquires on my credit report for accounts i do not have. I've also received multiple notifications that my email and social security number has been accessed to the dark web and i put a fraud alert on my credit file to alert the credit bureaus about this issue. 
I've contacted the credit bureaus 4 times this year on this matter. ( XXXX, XXXX, XXXX, XXXX ) Here are a list of inquires that were not authorized 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 XXXX XXXX XXXX XXXX Transunion : XX/XX/XXXXXXXX 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

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 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My account been permanently restricted for over 6 months with the Current Statement Balance : {$14000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation