vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CADENCE BANK
State: MS

Complaint narrative:
In late XX/XX/2023 I realize that my account with Cadence Bank was not accurate, i went in to local branch to discuss the problem, and to file a affidavit but was never allowed, i made numerous visit and always spoke to bank Manager at XXXX XXXX XXXX XXXX XXXX, MS XXXX. I let her know that several transactions were not mind. she showed me several videos, but none showed the monies i'm disputing being counted to me, also several transactions don't have a signature, nor is in my hand writing. i've called numerous times and visited several different branch 's trying to dispute this and they continue to give me the run around. please help me, i believe that {$21000.00} is missing from my bank account that i did not get

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and XXXX are showing late on my credit report. However, I spoke with an agent from XXXX several times to discuss the situation, but nothing was done. I updated my bank account information with an agent, however, the old account was not removed, which created late payments.

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 2023-10-30 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Army and Air Force Exchange Service
State: WA

Complaint narrative:
On XXXX  the XXXX of XXXX my vehicle was broken into and personal records, documents, cards were stolen. A police report has been filed and insurance has been contacted. I got a email today XXXX XXXX that a credit card was opened in my name. 

Someone has been using the documents to gain my identity and used them to open credit card accounts in my name without my knowledge.

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 2023-10-30 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-30 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: NV

Complaint narrative:
Student loans were on a long pause since COVID with the intention to resume payments for everyone on the " federal pause '' by the end of XXXX. This information was received by an email directly from the Department of Education. 

As of today, I have noticed in my spam box that " NELNET '' has a past due amount for me. 

I have NO ASSOCIATION WITH NELNET, Never gave permission for them to have my loans. 

I have been scammed. I need accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: Nelnet, Inc.
State: NM

Complaint narrative:
I have tried to contact Nelnet multiple times over the past month about payments and my loan repayment application. I have not received any information from them via mail or email. But I did get mail from a fraud claiming to be apart of the Nelnet and the XXXX. I went through the process because it was the only form of communication I had about the loans and it turned out to be a scam. The scammers are using nelnet lack of communication and customer service to get peoples personal information by pretending to work for the loan company. I still have not been able to talk to anyone at nelnet about this and to make sure that my student loan account is secure since the scammers may have access to it now. I was about to file reports and freeze credit lines but have not been able to get anything done about my account with nelnet. I can't do anything online, through the chat box, through email, or over the phone. There seems to be no one available. Every step I took ended with " contact us '' for further assistance, which led to the same phone number and email address. I have been on hold for several hours just today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am the victim of identity theft and data breach to USAA online security. I filed a police report ( XXXX stating : My USAA online bank account was accessed unauthorized and a fraudulent external bank account, ending in XXXX, was added and verified to my account without my knowledge or authorization on XX/XX/XXXX. I received a notice about an account being added but I didn't respond because I knew that wasn't me and If I don't verify it then it wouldn't get added to my account. Unfortunately, it was verified without my knowledge and no action from USAA to prevent it. 

Two transfers of {$5000.00} were made, one into my checking, ending XXXX, and one into my savings, ending XXXX, on XX/XX/XXXX and XX/XX/XXXX. On the same days, XX/XX/XXXX and XX/XX/XXXX, XXXX transfers were made out of my checking and savings, of {$4900.00} and {$4900.00} into a fraudulent account ending in XXXX. I did not receive a notification that this activity was going on. My savings account has small automatic credit transfers of {$25.00} every week and an automatic debit transfer of {$50.00} every month to XXXX XXXX XXXX XXXX ( there is a long history of statements proving I do not make large transfers in and out of this account ). The {$5000.00} fraudulent transfer from XXXX XXXX to USAA on XX/XX/XXXX, to my savings account, should have been flagged because this account was closed in 2018. {$5000.00} was transferred in and {$4900.00} was transferred out the same day. USAA did not alert me. 

On XX/XX/XXXX - XX/XX/XXXX, USAA deemed my case XXXX XXXX XXXX, that there was no fraudulent activity and the transfers were my responsibility. I had to call to get this information about my account because USAA had not sent any correspondence or made any calls to me, although they said they called me ( phone records are on file to prove I never received a call or email ). I reopened my case on XX/XX/XXXX. I have called everyday since my case has been reopened and asked for details into why they show non-fraudulent activity but USAA has not been forthcoming in providing me with any information which is unacceptable. My accounts are in the negative and I have the threat of NSF fees looming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2023, I attended a Club Wyndham timeshare presentation with my girlfriend at Club Wyndham XXXX XXXX in XXXX XXXX, NV. The salesperson aggressively marketed the timeshare deal to us and also offered to run our credit to see if we would qualify. Initially, we were not told that part of the purpose of running our credit was to have us each open a Wyndham Rewards Earner credit card. After we discovered this, we told the salesperson that we were not interested in opening said credit card, and that we were not interested in purchasing a Wyndham timeshare. Before we left, we each signed a confirmation that we would not be taking advantage of their timeshare promotional deal. A few weeks later, I received a Wyndham Rewards Earner credit card in the mail ( although my girlfriend did not ). This credit card was therefore opened without my consent.

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 2023-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Banks Involved - XXXX XXXX XXXX : XXXX XXXX, - XXXX : XXXX  bank that works with XXXX XXXX XXXX to wire funds - Apple Savings : Goldman Sachs bank that works with XXXX I sold my companys stock through XXXX XXXX XXXX and started a wire transfer to my savings account ( Apple Savings, through Goldman Sachs ) Date of stock exercise : XX/XX/2023 Date of sent funds : XX/XX/2023 Amount : {$10000.00} I didnt realize that Apple Savings account didnt accept wire transfers, so I called Goldman Sachs XXXX XXXX them know that this was a mistake and to please reject the funds so it can go back to XXXX XXXX XXXX XXXX 

I was notified by XXXX, multiples times, that their system automatically rejects any incoming wire transfers and that the funds shouldve been returned. They provided an IMAD number and that the funds went back to XXXX. 

I called XXXX XXXX notify them about this auto rejection, and they started a recall funds process. 

XXXX XXXX XXXX through XXXX has not been able to contact anyone at Goldman Sachs to prove that they have returned my funds. I call Goldman Sachs to investigate how I can prove that the funds have been returned and they say that they dont have a way or a team that XXXX XXXX XXXX can reach out and talk to directly. 

The funds have no been returned and Goldman Sachs is refusing to help find the funds further because according to their XXXX theyve already done the investigation and theres nothing else they can do. 

XXXX XXXX XXXX has provided me with a XXXX codes to prove that they sent out the money, but XXXX is refusing to help further investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: NY

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. 
Agency : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy. 
* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent. 
* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent. 
* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights. 
* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies. 

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2023-10-30 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: NY

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. 
Agency : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy. 
* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent. 
* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent. 
* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights. 
* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies. 

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: NY

Complaint narrative:
I am a victim of identity Theft. I have accounts opened under my name fraudulently : 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  Please review and remove these fradulent accounts. 

Thank You!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
1st call I made to do a loan modification / mortgage assistance application I informed representative that I was on XXXX XXXX XXXXXXXX. I was told by the representative that they would send me paperwork. I called back approximately 2 weeks post the first call since I had not received anything and I was told I should wait 30 days. I waited the full 30 days and asked them to just email it to me and that is when I was told about the online portal/website access. I got online and filled everything out and added more paystubs than asked for in hopes it would not delay the process. Several times they DO NOT contact me but I keep checking online daily to see the status and notice there is more information they are needing. On XXXX they needed a letter explaining all my paystubs and what happened. So I did that. My return to work was to be XXXX however since XXXX XXXX XXXX XXXXXXXX XXXX I am locked out while they are still negotating the contracts. So not only did I send my dr note showing my release to work, the text msg from XXXX locking us out, the hospital EOB 's, the letter explaining all of this and over 60 days of stubs ( both XXXX stubs and regular paystubs from XXXX before incident ) I was just informed today AGAIN that they are needing a letter from me stating that I did not return to work upon being released by the doctor even though all of this was in the first letter with all the accompanying documentation. The rep, XXXX, stated that letter has to be dated after return to work date. SOOOO, I did that again today. To be proactive I went ahead and sent all the documentation of payment from the what they had to current, the new letter, the screen shot showing my strike pay from XXXX, XXXX XXXX stubs through the end of my XXXX claim. It's been back and forth I have been dealing with this for over 90 days and I am no further than I was before. The conflicting information is frustrating. The very first rep I spoke with when I started the process told me I didn't have to continue to make my payments. I have continued to make each payment but if I had trusted their faulty system and representatives, where would I be?!?! Something has to be done. I have called numerous times, I get minimal information. Please help! My lender is Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
My wife is a shopaholic so I was trying to open a bank account with XXXX  XXXX XXXX or USAA so I can transfer the bill money there o keep it safe, but when I call they require a text notification and when I ask for an alternative since I am on XXXX and don't get cell service to come into a branch which i cant do either until I am home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX has violated my rights. 

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

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 2023-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
I been paying XXXX normal car payment and im still being charged late fees

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 2023-10-30 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: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XX/XX/2023 out of blue collection company reported delinquent account to credit reporting agencies. They fail to provide any information, but they verbally self-validate debt is correct. 
I have no-idea what they are claiming and when so-called debt occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: PA

Complaint narrative:
The company is reporting negative activity on my credit report that was cause by identity theft. Original company ( XXXX ) not doing a proper investigation. Experian and XXXX not doing a proper investigation on the information being sent to them

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
I noticed a collection on my credit report. When looking into it, it was unpaid medical expenses that should have been covered when I obtained healthcare from the state. It was sold to a third party debt collector. I reached out to the company who is holding the collection and asked how to show proof I have medical coverage, I provided the information needed to have it taken off the report. Six months later, it is still there. I have disputed it numerous times and it still stays on my report, preventing me from buying a home, a car, and getting credit cards to build my credit.

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