vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
After reviewing Navients correspondence I believe that the loan that they have put on my credit report may reflect a separate loan from the one allegedly transferred to them from XXXX a loan not covered by the Promissory Note that I signed XX/XX/XXXXXXXX XXXX 
The reasons that I hold this belief are : XXXX. In XXXX, the address that Navient had for me differed from that which XXXX and the national student loan database, NSLDS had on file. The XXXX XXXX address that XXXX and NSLDS had on file was correct. XXXX had been sending me mail to that address for some time. The XXXX address that Navient had on file was a former address at which I had resided previously. This discrepancy indicates that the loan that Navient is referencing on my credit report is actually for a different, unrelated loan associated with the XXXX address. 
XXXX. The loan amounts that XXXX and Navient claimed that I owed differed. This difference indicates that the loan that Navient is referring to on my credit report differs from the one allegedly transferred from the one transferred to them from XXXX. 
XXXX. In XXXX, Navient asserted that that my loan was 228 days late. However, XXXX clearly stated to me in their XX/XX/XXXX correspondence to me that Due to the in-school status the loan was current at the time of transfer. Again, this discrepancy indicates that there may have been multiple loans at play. 
XXXX. Another indication that Navient is referring to a different loan on my credit report is that there are unclaimed funds being held by the State of Michigan for monies returned by Navient to me that relate to my former XXXX address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: MD

Complaint narrative:
I placed an order on XX/XX/2022 at happycards.com, which is serviced by BlackHawkNetwork, for 10- {$500.00} XXXX XXXX XXXX egift cards, for a total purchase price of {$4700.00} after the use of a coupon code. I never received a confirmation email, never received the egiftcards, but my XXXX credit card ending was charged for the full amount. I have called various customer service phone numbers listed on their website, always being rerouted to someone else and all attempts to talk to someone who can help have been futile. I have gotten nowhere with either receiving the giftcards I purchased, or getting a refund for the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was looking at my credit report and I seen I had some negative item on my account that i feel inaccurate i will like to have a full invesagtion on my report to have old address and job remove from my credit 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 non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, 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 XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # 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 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was banking with Regions when I made a purchase on XXXX from my business checking account on XX/XX/XXXX. I returned some products to XXXX but only after that checking account closed. I tried my hardest to get XXXX to refund me a different way but nonetheless they refunded {$960.00} and {$800.00} on XXXX XXXX. 
Currently the date XX/XX/XXXX and Regions Bank nor XXXX have any idea where my funds are. This is a total of {$1700.00}. I have been to several Regions Bank locations and spoken to many representatives on the phone. Finally one person said they saw the transactions but she could not do anything. It has been months and I have been at a loss. Please Help!!! Regions keeps sending me back to XXXX and XXXX keeps saying the money hasnt been returned. 
Also, both parties say if I have an account the money will just find its way into the account. I still have a checking account with Regions and this phenomenon did not occur. I need assistance!!!

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 
Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 
Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 
Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
I had loans for a private college through Navient. Navient put me in forbearance when I couldn't pay and told me that I'd sit in forbearance and accrue interest, or I should go back to school if I couldn't pay ( I elected to go back to school to try to get a higher paying job ). People like me should have been included in the settlement, can't tell if I actually qualify due to the limited information available, though think I should be eligible because I was steered towards accruing more debt, just in a different way than those pushed to forbearance long term. 

I received forbearance steering in the form of " we won't let you have it '' so " go back to school if you don't want to default '' When I try to log into Navient it takes me to my updated XXXX account. I previously reported it and they said they " couldn't find me '' which is disingenuous, and dishonest. I have attached a PDF of one of the hundreds of emails I have in my inbox from Navient about their servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
Last year, I received medical treatment on XX/XX/XXXX and XX/XX/XXXX. I paid a bill for approximately {$2700.00}. Later, I received additional bills for about {$2300.00}, and taken together all of these bills exceeded my deductible. I called my insurance company and learned that the {$2700.00} bill was never submitted to insurance, so it should not have been sent to me. The insurance company called the provider, who said they would re-submit the bills and correct the totals. I also contacted the provider, which confirmed to me in writing that the bill was not submitted to insurance and that it is working with insurance to resolve the issue. 
Although this issue is still not resolved, I received a letter from a debt collection company called HRRG. I responded in writing that the debt was not owed because of the provider 's mistake, which was in the process of being resolved. I also provided copies of the provider 's written response to me confirming the mistake. Despite providing this evidence, I have received telephone calls and voicemails from HRRG two days in a row now, from two different numbers- ( XXXX XXXX XXXX and ( XXXX XXXX XXXX. At the very least, I would have expected HRRG to confirm the information with the provider, given that I had provided the written statements. Apparently it has not, and instead has chosen to harass me with repeated phone calls over a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Synovus Bank
State: FL

Complaint narrative:
YES, I HAVE FILED DISPUTE OF FRAUD ACCOUNT FIRST PROGRESS WHICH IS A FRAUDULENT ACCOUNT AND HAVE SUBMITTED ALL REQUIRED DOCUMENTS AND A PROOF OF COPY OF THE LETTER OF RESPONSE FROM FRIST PROGRESS CREDIT CARD AND XXXX STILL REFUSES TO DO A PROPER INVESTIGATION WITH REMOVING ITEM OF MY CREDIT REPORT I WILL CONTINUE TO FIGHT FOR MY RIGHTS AND THIS IS A FRADULENT ACCOUNT REPORTING ON MY CREDIT FILE FIRST PROGRESS CREDIT CARD IS NOT MINES ITS A FRADULENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please look at the attached documents. I want the bureau to please start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
made two payment XXXX, XXXX first- {$170.00} on XX/XX/XXXX. second- {$9600.00} on XX/XX/XXXX. had a negative balance after second payment. due date for payments is 5th of each month. have made numerous calls to capital one. first agent told me i was charged because it wasn't paid off by due date, which was incorrect. they are now charging {$110.00} in interest charges. seems like a very misleading and unfair practice. i switched to another card, without interest, to pay off balance. does that have an effect? capital one seems to prey on the downtrodden. 
my understanding is : if i didn't pay off balance by the 11th of month prior to due date, and didn't make any purchases, i would never pay off credit card. this isn't mentioned anywhere on my ebill-that i can find.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
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 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
GOLDMAN SACHS AND CO Balance {$7200.00} Balance updated XXXX XXXX, 2023 I closed this account years ago and it was fraudulently changed to another person It was a GM card and I was never given any notice of the change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Freedom Mortgage failed to pay City of XXXX taxes semi payments in XXXX and XXXX resulting in the County putting the property in tax sale. They knew about the situation for 9 months and did nothing. I had plenty of funds in my escrow account and pay my mortgage on time every month. I have spent hours upon hours on the phone with them trying to get this resolved. They paid the attorney fees to get the release on the tax sale. They then paid the County taxes. I was told I was not responsible for attorney fees, penalties or other fees associated with their mistake. I then received a letter that my mortgage was going up {$600.00} per month because of an escrow analysis. The analysis included the penalties and fees Freedom was responsible for because of their negligence. I was then told incorrect information regarding the fees by multiple customer service reps. Every time I call I have to sit on the phone for hours to explain the situation and hope I get a rep that sort of understands. I then am told it will be researched and someone will get back to me in 14 days, which never happens.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I can not start any dispute in my transunion online profile. I can not place a credit freeze in my transunion online profile. I can not place a fraud alert on my transunion online profile. I can not view my credit report in my transunion online profile. I have called in to transunion many times starting XX/XX/XXXX, and XX/XX/XXXX, and other dates. I have asked them to allow me access to my online services. Each time they say they will escalate my inquiry, but to this date there is no results. I can not do anything in my online transunion profile. Please see attached the " error '' messages that I receive when I try to do any of the above. 

Please note that on the XXXX of XXXX I submitted a complaint and transunion claims its resolved, however the same problem still exists. The issue is not resolved.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following list of accounts has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. 

Account name : XXXX XXXX XXXX. 
Account # : XXXX Account name : XXXX XXXX Account # : ending in XXXX XXXX number ending in XXXX Have violated my rights. 

15 USC 1681 section 602 A, states that I as a consumer have a right to privacy.

15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of criminal convictions which antedates the report by more the 7 years.

Both of the listed parties have illegally reported damaging adverse items on my credit report and it has since led to me being discriminated against from other creditors as stated in 15 USC 1681c. ( a ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX has no respect for the laws. I have already informed them about their violation of the Gramm Leech Bliley Act since they can not provide me with permission they have from me to share my non-public personal information with non-affiliated third parties. XXXX XXXX XXXX must provide me with documentation that proves they work in house for XXXX XXXX and that they are not just a debt collector or debt buyer that bought the debt with no authority to my personal information or agreement with.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX has no respect for the laws. I have already informed them about their violation of the Gramm Leech Bliley Act since they can not provide me with permission they have from me to share my non-public personal information with non-affiliated third parties. XXXX XXXX XXXX must provide me with documentation that proves they work in house for XXXX XXXX and that they are not just a debt collector or debt buyer that bought the debt with no authority to my personal information or agreement with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
No online access to my accounts at Randolph Brooks Federal Credit Union. 
They have a message on their website ( attachment ) ; I called the number and extension that they provided for online issues and no one will answer. 

No one can help : The state of Texas said it is a Federal Credit Union and they can not help National CUA said they can not help because the credit unions size is over XXXX XXXX. 

CFPB could not offer me any assurances over the phone except they would contact the National CUA ; so this is a failed loop. 

Please can someone take responsibility?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of identity theft when someone opened a Capital One Bank checking account in my name, physical address and email address. Once I received an email from Capital One about my new account, I contacted Capital One with help of my XXXX agent to get this fraudulent account canceled. Capital One rep supposely put a " red flag '' on the new account and indicated that the account will be canceled. I opened an FTC identity theft report, filed a local police report, put freezes on my credit reports, and sent a letter to Capital One based upon FTC recommendations. See attached letter to Capital One Fraud and Disputes dept dated XX/XX/2023. Since the time I sent the letter to Capital One, I keep getting statements and other correspondence about the checking account indicating that the account is still open in my name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National credit systems has no respect for the laws. I have already informed them about their violation of the Gramm Leech Bliley Act since they can not provide me with permission they have from me to share my non-public personal information with non-affiliated third parties. National Credit Systems must provide me with documentation that proves they work in house for XXXX XXXX and that they are not just a debt collector or debt buyer that bought the debt with no authority to my personal information or agreement with.

Company response to consumer: Closed with explanation