vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company is damaging my credit in an abusive way, I have called those people to tell them to show me that it is mine and they have no way to prove it, I have never used their services or anything like that, I ask for help to remove this from my credit report please, this is a cause of fraud and identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Recurring debit : XXXX XXXX XXXX XXXX Completely fraudulent. Bank of America wants me to call customer service ( XXXX ) XXXX to file a claim, close my account, and issue me a new debit card as a singular resolution to the issue. 

Unable to put a stop on the recurring erroneous transaction.

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 2024-02-11 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: NJ

Complaint narrative:
XXXX is still reporting a Deleted account that was deleted off my credit report. The Account name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 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: LA

Complaint narrative:
I'm requesting proof of the inquiries that are put on my report. 
These are from fraud I have no idea or knowledge of these inquiries except for one on my report Please forward me.proof with my signature and a valid ID if these are suppose to be me. 

Equifax fraud division please delete these fraud inquiries for me please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
After submitting a claim again for canceling a charge for defective goods I returned to retailer ( using their prepaid shipping label ), my claim was approved by card issuer. The retailer then refunded half the money to my account for the returned goods. Then the retailer submitted a new transaction for the full amount of the charge for goods that they still possessed. I am getting charged for merchandise that the retailer has. A dispute was filed again to the lender but no decision was ever even sent to me. I have requested any data related to this case to be sent to me so that I can file a lawsuit, but the lender has not provided me with any documentation for this case. The last time I called the lender just stated that I should be receiving a letter in a couple of days but none has ever arrived. The lender was not able to even give a decision to the case over the phone, but I am receiving notices of past due amounts. The last time I tried contact lender the person that answer was just silent the entire time and then hung up without saying a word.

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX has been getting credit inquries without my permission with out my knowledge Can someone help me stop this Company from pulling my report hard inquiries when they want please

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 2024-02-11 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: CA

Complaint narrative:
My loan balances remain at {$0.00}, but not reflected on the credit agencies. Despite multiple attempts, XXXX has not updated my credit report since XX/XX/. Despite providing evidence and submitting disputes with the credit agencies, XXXX reaffirm the reported balances to each agency. The mortgage letter I submitted as evidence did not have the desired impact. When contacting XXXX about the balances, who confirmed with me a XXXX balance, I was also informed that balances are updated monthly, despite the evidence to the contrary. I requested a copy of the information used to justify the reported balance with the credit agencies, which they are required to provide, but was only directed to download my mortgage letter and provided with no further details or timeline for the update.The mortgage letter provided no benefit in advancing my case, The credit agencies did not take that evidence into serious consideration when they should have as it is a document from the lender.

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 2024-02-11 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: CA

Complaint narrative:
My loan balances remain at {$0.00}, but not reflected on the credit agencies. Despite multiple attempts, XXXX has not updated my credit report since XX/XX/. Despite providing evidence and submitting disputes with the credit agencies, XXXX reaffirm the reported balances to each agency. The mortgage letter I submitted as evidence did not have the desired impact. When contacting XXXX about the balances, who confirmed with me a XXXX balance, I was also informed that balances are updated monthly, despite the evidence to the contrary. I requested a copy of the information used to justify the reported balance with the credit agencies, which they are required to provide, but was only directed to download my mortgage letter and provided with no further details or timeline for the update.The mortgage letter provided no benefit in advancing my case, The credit agencies did not take that evidence into serious consideration when they should have as it is a document from the lender.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My loan balances remain at {$0.00}, but not reflected on the credit agencies. Despite multiple attempts, XXXX has not updated my credit report since XXXX XXXXXX/XX/year>. Despite providing evidence and submitting disputes with the credit agencies, XXXX reaffirm the reported balances to each agency. The mortgage letter I submitted as evidence did not have the desired impact. When contacting XXXX about the balances, who confirmed with me a XXXX balance, I was also informed that balances are updated monthly, despite the evidence to the contrary. I requested a copy of the information used to justify the reported balance with the credit agencies, which they are required to provide, but was only directed to download my mortgage letter and provided with no further details or timeline for the update.The mortgage letter provided no benefit in advancing my case, The credit agencies did not take that evidence into serious consideration when they should have as it is a document from the lender.

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 2024-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
All of my student loans are from the company Aidvantage. Theyve been emailing me regarding student loan payments. However, Im still enrolled in school full-time meaning I shouldnt be making payments. Ive contacted the company and signed the proper documentation. However ; they have not updated it in their system. Customer service has been rude and not responsive. They wont update their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy Federal Credit Union has lost the money in my IRA invested with them. They have deployed an improved website that does not list my IRA as an account nor does it include the almost {$33000.00} I have invested in that account in their calculated Total Assets held by Navy Federal. I reported this problem to them more than XXXX weeks ago apparently the first NFCU customer to notice a very obvious defect in their new website. The tech-rep I spoke with looked at his accounts and was astonished to see that his IRA was also missing. At that time NFCU was still making their legacy website available so I was able to see my IRA and associated statements and confirm it was still there. They have now XXXX customer access to the legacy website and I have no way of confirming my IRA still exists. At this point it is entirely possible that NFCU has absconded with the IRA funds of all of their clients since there is no way for us to monitor those accounts. 
Please direct NFCU to enable access to the legacy website until they have properly coded, tested, confirmed and vetted that their new and improved website does what its supposed to do. Heads need to roll at NFCU there is no excuse for this level of professional incompetence!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I noticed on my credit statements there are 4 different interest coming out of my payments. 1, Standard Purchase ( I understand ), 2 Purchase prior to XX/XX/XXXX, 3. Purchase prior to XX/XX/XXXX, 4. Purchase prior to XX/XX/XXXX ( 2 of these each with an amount ), 5. Purchase prior to XX/XX/XXXX. Some of the APR 's are 17.49 %, 2 are 12.49 % which I was told was grandfathered in. I made an XXXX sheet going back to to the statement of XX/XX/XXXX to XX/XX/XXXX. On the interest that goes back to # 's 4 & 5, it show the interest going down after each payment, then the next payment the interest due increases. This makes no sense to me. On my last statement the interest for example # 3 was {$1.00}, but when I got my statement this week it was {$1.00}. I understand it isn't much but doesn't make sense to me. I called Citi Bank 3 times, and could not get an answer that made any sense to me. I aske to speak to a supervisor, a person got on the phone, but still did not answer my question. I asked to speak to someone that is over her. She asked me if it was her accent why I couldn't understand her. I told her no. She had nothing more to say. I told her I would get an answer some other way. My question is why are there 2 different Interest amounts that I am being charged for XX/XX/XXXX, is the interest prior to XX/XX/XXXX just from XX/XX/XXXX XXXX? Thank you for your attention in this matter.

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 2024-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet Inc. is violating the following : The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records.

15 U.S. Code 1681b 15 U.S. Code 1681c 15 U.S. Code 1681o 5 U.S. Code 1681n 5 U.S. Code 6805 12 CFR 1022.3 12 CFR 1016.1, 1016.4, 1016.7 Nelnet XXXX ( is a certificate of indebtedness a 1099-C was filed with IRS ) which means that this is now income and income CAN NOT be reported to the credit agencies. 

It is illegal to report transaction history

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover is violating the following : Privacy Act of XXXX ( 5 U.S. Code 552a ) 15 U.S. Code 1681b 15 U.S. Code 1681c 15 U.S. Code 1681o 5 U.S. Code 1681n 5 U.S. Code 6805 12 CFR 1022.3 12 CFR 1016.1, 1016.4, 1016.7 Discover XXXX Charge Off ( is a certificate of indebtedness a 1099-C was filed with IRS ) which means that this is now income and income CAN NOT be reported to the credit agencies. 

It is illegal to report transaction history Discover is currently violating the Security Exchange Act of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
I signed a loan in XXXX XXXX XXXX for a car loan. This loan was through XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. I was told I wouldnt be able to finance a car that day because I had no credit. XXXX XXXX claims they accept everyone, even people without credit. I was told I needed a co-signer, so I got XXXX. I was young and just crashed my car. I needed a car desperately. I got wrapped up into a high monthly payment. When going over the loan paperwork only my co-signer was spoken to and was given a break down. Not me. Now Im trapped in this loan, I either have to ruin my credit or keep paying this high loan every month. I cant keep paying with sacrificing my well being. Nor can I keep up on maintenance on the car if I keep paying this loan. The dealership and credit acceptance didnt take the time to listen to me, they even signed the contact with the wrong email. I had to call credit acceptance to change my email and number. My co-signed also wasnt required to put his email. They instead let home just use my email. I have limited ability to contact my co-signed also. So I struggle to even get him off the loan so I can try and trade it in. Any course of action I take will result in my credit going down, having no car, or keep paying this car XXXX cant afford.

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 2024-02-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: LendingPoint Holdings LLC
State: VA

Complaint narrative:
This company is attempting to collect a debt which been sold in order for the seller to circumvent arbitration and it's proceedings. There is no sell or trade of the factual account in the originated arbitration just information such as phone email text buy no mention of selling the debt to a junk debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc.
State: GA

Complaint narrative:
This company is damaging my credit in an abusive way, I have called those people to tell them to show me that it is mine and they have no way to prove it, I have never used their services or anything like that, I ask for help to remove this from my credit report please, this is a cause of fraud and identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$650.00}, XX/XX/2024 No Knowledge of this account. Account is Fraud.

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 2024-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX  and Copy Expert Traders using the domain names XXXX XXXX XXXX XXXXXXXX '' and XXXX, with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gains.

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 2024-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LoanCare, LLC
State: MI

Complaint narrative:
My insurance Company stated that the XXXX XXXX XXXX is being Charged to me, The Condo is responsible for the Hazard insurance I have separate insurance, The Floods in my Multi Family Condo ALL have been caused by XXXX  XXXX and the Sump pump in their unit. and a leaking toilet in XXXX  XXXX, not my unit which is XXXX The XXXX XXXX XXXX XXXX has intervened in all of the occupants of the Condo are being charged to pay the Penalty charged by the Building Inspector Which is {$450000.00} to my knowledge NO one else is being charged as a hazard. My insurance already paid for all of my flooding, not the 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 2024-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Credit Karma, LLC
State: TN

Complaint narrative:
Trying to open a money spend account through credit karma sent in Driver License and Address verification and they are saying that cant verify my identity to open my money account but they can verify my Identity to open there credit report account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: DISCOVER BANK
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I called Credit Collection Services to stop auto payment on XXXX auto withdrawals set up. I told them I never received verification of a debt from XXXX XXXX and feared they never cancelled an account after I moved. They agreed to stop the XXXX future payments on XXXX  and XXXX and to put my account in dispute. They agreed to notify the credit bureau it was in dispute and that they would send me verification of the debt. They never did. They charged my account against my permission. They never notified the credit bureau that its disputed. I have no proof this is my debt and I told them I dont understand why it was reported as I set up a plan of payment. Its fraud to not provide proof and charge me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I applied for an XXXX XXXX Credit Card on XX/XX/2024 I got an adverse action letter XX/XX/2024 I responded to XXXX XXXX XXXX XXXX on XX/XX/2024 wondering why I am being denied credit for this consumer transaction under the equal credit opportunity act this is discrimination and under the fair credit reporting act as well the information reported on my credit report was not consented too and was inaccurate and negatively affected my credit report.

15 usc 1602 15 usc 1611

Company response to consumer: Closed with explanation