vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally request that XXXX XXXX XXXX XXXX cease all communication with me regarding the account ( XXXX ), as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Under federal law, I have the right to request that you stop contacting me regarding any outstanding debt. This letter is not a refusal to pay any legitimate debt that may be due ; rather, it is a request to terminate all further communication. I ask that any future communication be in writing only, for documentation purposes. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), I have the right to request that XXXX XXXX XXXX XXXX cease all reporting to credit reporting agencies regarding my account. Upon receipt of this letter, any continued communication from your office, including any form of reporting to the credit bureaus, will be considered a violation of my rights under the FCRA. I also consider such action as harassment and reserve the right to seek remedies as allowed by law Please be advised that failure to comply with this request could be seen as a violation of my rights under the FDCPA. If you need to contact me for legal reasons or regarding specific details about this account, please do so in writing at the address provided above. 

Thank you for your prompt attention to 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 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
USAA is a poor bank which puts ten day holds on checks then releases funds then returns the check without giving a real reason why!!!

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 2024-11-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am writing to formally request the discharge of all student loans held by Navient, due to a pattern of deceptive practices, inaccurate information, misrepresentation, and failure to provide proper guidance regarding my student loan repayment options. 

Throughout my experience with Navient, I have encountered several issues that have led me to question the integrity of the practices employed by your organization. Specifically, I have received contradictory and misleading information regarding my loan terms, which has impeded my ability to manage my repayment effectively. 

Moreover, unexpected fees have been applied to my account without adequate explanation, further complicating my financial obligations. I was also informed that I could not release my co-signer from the loan, which contradicts prior communications I received suggesting that co-signer release options might be available. This misrepresentation has caused significant distress and confusion. 

Given these troubling experiences, I believe that the management of my loans has not adhered to the standards of transparency and ethical practice that borrowers deserve. As such, I am requesting a full discharge of my student loans serviced by Navient. 

I kindly ask for a prompt investigation into my account, a detailed response addressing my concerns, and information regarding the process for discharging my loans. I believe it is crucial that borrowers are treated with fairness and respect, and my current situation compels me to take this formal action. 

Thank you for your attention to this serious matter. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I have a personal account in my name with Citizens bank which is a checking and HELOC account. I have a joint account at XXXX with my partner. I went into Citizens Bank on XX/XX/year> to cash a {$20000.00} check for a car we had just sold that was made out to my partner. They told me to endorse the check so they can cash it. They then called over higher management who said it's too big they can't cash it. I had to leave on XXXX XXXX so the next opportunity I had was XX/XX/year> to go to XXXX and explain why the check was already endorsed. They still cashed it into our joint account for us. We then wrote a personal check to me so I could cash it at Citizens and pay down the HELOC. I went to Citizens on XX/XX/year> to cash it since it was now made out to me personally. They said they would cash it and it would be released within 24 hours. On XX/XX/year> it was still on a hold. I called the branch directly. They said the hold is now slated until XX/XX/year> but couldn't explain why and referred me to customer service. I called customer service and their only explanation was that their fraud department had to confirm it wasn't fraud. The money was removed from my XXXX account on XX/XX/year> so Citizens had the money. I explained this to Citizens and asked what they were doing that would take this long to review. I'm happy to provide account information or money tracking to show it isn't fraud. She refused to give me her name or ID number or anyone else to talk to. I was told there was nothing I could do and I just had to wait. This is unacceptable because they are now making interest on my HELOC on top of holding my {$200000.00}. This whole process has held up my money for over 45 days throughout this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding an issue with the management of my escrow account by Select Portfolio Servicing ( SPS ). My escrow balance as of XX/XX/year>, was {$6100.00}. After making my regular loan payment on XX/XX/year>, including an additional {$540.00} escrow payment, the account should reflect a balance of {$6600.00}.

However, SPS disbursed a late tax payment on my behalf and deducted an additional {$6.00} from my escrow account due to their own negligence. This error violates the terms of our agreement, under which SPS is responsible for managing my escrow account in a manner that avoids penalties and fees. As such, any late fees or penalties due to SPSs failure to disburse payments in a timely manner should not be my responsibility.

I am requesting that the {$6.00} be reimbursed to my escrow account and that a sanction be placed on SPS for their unwarranted handling of my escrow funds. I have sent SPS multiple emails about this issue and have also contacted them numerous times by phone. I have recordings of these calls, which I believe clearly demonstrate SPSs predatory practices, aimed at undermining my property ownership.

I am hopeful that the CFPB will address this matter and take appropriate action to prevent further misconduct by SPS.

Thank you for your attention and assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: CA

Complaint narrative:
Heres the message translated into English for your CFPB complaint : Dear CFPB, I am submitting this complaint because the account listed as XXXX XXXX Account with the date XX/XX/2019 is incorrectly included on my credit report. This account shows a total balance of {$0.00} and a minimum monthly payment of {$210.00}, which is negatively impacting my credit. 

I would like to clarify that there is no reason for this account to be active or visible on my credit history, as there is no outstanding balance. I kindly request that this account be removed promptly to accurately reflect my current credit status. 

Thank you for your attention to this matter, and please let me know if any additional information is needed.

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 2024-11-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm reaching out about an account on my credit report that was a repossession and charged off on XXXXXXXX I've noticed that this account is still being updated every month as " charged off '' but with an active payment history, which doesn't make sense. A charged-off account shouldn't have any payments showing up. 
It looks like this hasn't been correctly fixed, and it's really hurting my credit report. I've tried contacting the creditor. The account type is also incorrect being listed as installment as well as a switch between open/closed/charge with every bureau. 

Could you please remove this account from my credit report as soon as possible? I'd really appreciate your help with this. 

Account : 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 2024-11-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I owed one payment to XXXXXXXX XXXX  for amount of XXXX. In error they received two payments. I did not know that I mailed the first payment to XXXX. I placed it on hold with Western Union. I sent a second payment to XXXX. They stated they were not able to case the first money order but was able to cash the second money order. I requested that the send me the first money order. The stated no the were going to maid it to XXXX. XXXX stated they did not receive it. I have sent several letters to Western Union only to got it back in a month stating wrong address. Western union or XXXX has my extra money. I want whoever has it to return it to me. I have to trying to get my money for several months. No results

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Equifax regarding unauthorized credit inquiries that have appeared on my credit report. After reviewing my recent report, I identified several inquiries that I did not authorize and have no knowledge of. Despite contacting Equifax to resolve this matter, these inquiries remain on my report, causing significant frustration. The unauthorized inquiries in question are as follows : Disputed Inquiry : 1. XXXX  - XX/XX/XXXX 2. XXXX - XX/XX/XXXX 3. XXXX  - XX/XX/XXXX 4. XXXX XXXX XXXX - XX/XX/XXXX 5. XXXX  - XX/XX/XXXX 6. XXXX  - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX - XX/XX/XXXX Attached to this complaint is an Identity Theft Report FTC Report Number : XXXX filed with the Federal Trade Commission ( FTC ). This report, along with the corresponding case number, supports my claim regarding the unauthorized credit inquiries on my credit report. I kindly request that the necessary steps be taken to address this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 
I appreciate your prompt attention and review of this document as part of the investigation. I believe Equifax has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove these inquiries from my credit report, even after I brought the issue to their attention. 
The sections of the FCRA that support my claim are : Section 611 ( 15 U.S.C. 1681i ), which outlines my right to dispute inaccurate or incomplete information. I have disputed these inquiries, but Equifax has not conducted a satisfactory investigation. Section 609 ( 15 U.S.C. 1681g ), which grants me the right to access my file. Upon reviewing this information, I confirmed that I never authorized these inquiries.

Section 604 ( 15 U.S.C. 1681b ), which details the permissible purposes for credit report inquiries. I did not give consent for these inquiries, and Equifax has not provided evidence of a valid reason for them. Despite my efforts to resolve this directly with Equifax, these unauthorized inquiries continue to negatively impact my credit report. I request that the CFPB intervene to ensure Equifax fulfills its legal obligations under the FCRA by removing the unauthorized inquiries and providing me with an updated credit report. I appreciate your prompt attention to this matter, and I am happy to provide any additional information needed for your investigation. 
Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I OPENED A CHECKING AND SAVINGS ACCOUNT ON XX/XX/XXXX OR XXXX. DEPOSITED XXXX TO CHECHECKING AND THEN MIVED {$50.00} TO THE SAVINGS. BY THE XXXX I WAS TRYING TO FIND A WAY TO USE MY FUNDS BECAUSE THEY WETE SENDING A DEBIT CARD IN MAIL. SO ATTEMPTED TO MOVE {$50.00} TO AN EXTERNAL ACCOUNT WHICH ACTUALLY DIDNT HAPPEN UNTIL I TALKED TO THE FRAUD DEPATMENT, THEY PUSHED THE REQUEST THROUGH, BECAUSE THEY LOCKED MY ACCOUNT. REASON UNKNOWN. THEN AFTER THAT MY ACCOUNT GOT LOCKED AGAIN. BECAUSE I ATTEMPTEX TO MIVE ANOTHETXXXX TO AN E TERNAL ACCOUNT AGAIN BUT THE CANCELKED BECAYSE I HAD NOT YET RECEICVED THE FIRT XXXX YET AFTER 2 DAYS AND WAS AFRAID IT MIGHT DELAY THE PROCESS EVEN LONGER. SO THEN XXXX WITH FRAUD DEPT AGAIN AND HAD A CONFERANCE CALL WITH EXTERNAL ACCOUNT AND VERIFIED ALL INFORMATION NEEDED. SO THEN MY ACCOUNT WAS UNLOCKED. THEN JUST 3 HOURS LATER IT WAS LOCKED AGAIN OVER THE SAME ISSUE THAT WAS ALREADY VERIFIED. ITS BEEN 5 DAYS. THEY WONT TELL ME WHAT THE PROBLEM IS BESIDES THAT IT IS UNDER INVESTIGATION AND STIIL CAN NOT ACCESS MY ACCOUNT OR FUNDS. IT IS ALL THE MONEY THAT I HAVE BECAUSE I GET PAID THROUGH XXXX WHICH IM AFRAID TO DEPOSIT ANY MORE MONEY

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 2024-11-09 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 2024-11-09 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I received, which indicates that the debt was canceled. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 2. The name and contact information of the person or entity that provided the verification. 3.4. Documentation of all assignment showing transfer of the debt from the original creditor to the current. 5. Proof that the original creditor securitized the debt. 6. Documentation showing the assignments of debt from the original creditor to the secured trust and then back to the original creditor. Copies of any documents or records used in the reinvestigation process. The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. Thank you for your attention to this matter. Provide a copy of the 1099-c prescribed by law. XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am writing to formally request that Navy Federal Credit Union cease all communication with me regarding the account ( XXXX ), as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Under federal law, I have the right to request that you stop contacting me regarding any outstanding debt. This letter is not a refusal to pay any legitimate debt that may be due ; rather, it is a request to terminate all further communication. I ask that any future communication be in writing only, for documentation purposes. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), I have the right to request that Navy Federal Credit Union cease all reporting to credit reporting agencies regarding my account. Upon receipt of this letter, any continued communication from your office, including any form of reporting to the credit bureaus, will be considered a violation of my rights under the FCRA. I also consider such action as harassment and reserve the right to seek remedies as allowed by law Please be advised that failure to comply with this request could be seen as a violation of my rights under the FDCPA. If you need to contact me for legal reasons or regarding specific details about this account, please do so in writing at the address provided above. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: GA

Complaint narrative:
Equifax did a XXXX report update on my account as of XX/XX/2024 and dropped my credit from a XXXX to a XXXX and stated the reason that had account balance on my account with balance that had already been paid of 10 days or more. 


They are showing a XXXX XXXX account ending in XXXX with a balance of {$52.00}. And they account was paid in full as of XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: MO

Complaint narrative:
I am writing to inform you that I am a victim of identity theft due to a data breach, which has resulted in several unauthorized accounts being reported on my credit file. Under the provisions of 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am formally requesting the immediate blocking and deletion of the following accounts from my credit report : Fraudulent Accounts to Be Blocked and Deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief