vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
I was hired into a job that sent me checks to deposit and send out to vendors to pay for my computer laptop and other equipment for the representative work from home job. After I cash in the first check I called my bank. I felt that the check was off and I wanted to know if it would bounce. And she confirmed that it was a normal check and that the funds are indeed going to be in my account. Which I then took as a sign to continue my job. The first check was for {$1200.00}. What I sent out from that was {$210.00}. I then received another check for {$200.00} which I deposited and the {$210.00} dollars was refunded back but with a {$36.00} cancel charge.the next day I send {$170.00} to vendor. The next day I had to send {$500.00} to two vendors but one of them was refunded back at {$460.00} because of a canceled charge. And finally {$130.00} to the last vendor of the day. I then took the XXXX that was owed to me at the start and told them that I didnt not want to Continue deposit checks because I do not feel comfortable. They reassured me that it was going to be fine and that with the next deposit I have a {$200.00} bonus with it. I then take out the {$200.00} from that check once it was deposited and the next day my account was on hold and that I have a XXXX dollars charge on it. I then tell her that I think Im being scammed but I just got brushed off the last time I called. I then asked would I have to pay for it. She then stated that I would have to and that the bank would take care of it. But when I went up today to the bank they said I would have 30 days to pay it off before my account is closed and credited

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 2023-12-18 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I opted out of all authorization written, unwritten, verbal, and non verbal Per 15 U.S.C. 6802. ( letter attached ) privacy act 1974.

No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: M&T BANK CORPORATION
State: PA

Complaint narrative:
I was recently denied credit and other things from company 's because the misuse of my credit report and for them not disclosing my rights for certain actions and taking actions without my consent I sent my letter t o fix the problem on XX/XX/2023 they have committed fraud and for that I couldn't get the securities I needed for me and my family that caused a great affect in my life

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 2023-12-18 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX and MIDLAND CREDIT MANAGEMENT has continuedly reported inaccurate information, purchased and sold my personal information violating my privacy under 15 USC 1681 ( a ) ( b ), I did not grant permissible written instruction to Midland credit management to report under 15 USC 1681 ( B ). They continued to report adverse items other than convictions of crime under 15 USC 1681 ( c ). Committed identity theft by using my personal information without my authority under 12 CFR 1022.3. Midland credit management and XXXX also violated compliance procedures under 15 USC 1681e. Reporting information Soley as to transactions or experiences and reporting transactions history is illegal under 15 USC 1681a ( 2 ) exclusions. Under 15 USC 1681n XXXX and Midland credit management willfully failed to comply with my request and is liable for damages to me. 
Midland credit management and XXXX continued to violate me even after my initial complaint and continued notices under 15 USC 1681s-2 ( 1 ) Prohibitation ( a ) Both had knowledge of errors and inaccuracy, yet they still continued to report them claiming that it was verified. Neither XXXX nor Midland Credit Management provided required notice to me of my rights to privacy under 12 CFR 1016.4 and 12 CFR 1016.7.

Furthermore, violating 15 USC 6802 ( a ) ( b ) by providing my personal information to nonaffiliated third parties without providing me with proper required notice. 

XXXX XXXX XXXX XXXX XXXX XXXX use of your report XXXX Credit Bureau XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX your report MIDLAND CREDIT MANAGEMENT XX/XX/2023 XXXX Feedback provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC
State: TN

Complaint narrative:
Our home was hit by a tornado. We have already worked with our insurance and have a check for repairs to begin. Our mortgage company ( Village Capital ) requires their name on the check as well. We have called and been on hold for hours each time to try to find out the process to endorse the check. They do not have a local branch ( we were sold to them when we bought the home and didn't have a choice ). We can not reach anyone, and we are displaced from our home until we can have a heating unit installed. We have contractors ready to install the heat and begin the extensive repairs to our home, but we can not start the process until we get the mortgage company 's process for endorsing the check/releasing the funds. At this point, my family is living outside our home because they won't answer the phone. It is also costing my insurance daily for us to be displaced when we have the capability to get it fixed if they would just respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: TrueAccord Corp.
State: PA

Complaint narrative:
Delete all errors on my files and report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: MI

Complaint narrative:
I started with Nelnet in XXXX after being transferred from Great Lakes, got a welcome letter and promptly setup my account, added my current primary bank account ( which was different then what i had with Great Lakes ) and setup auto pay. For the first two months things were fine. Then suddenly on month 3 my bank account reverted to my old one. I get a notice from my old bank that I had overdrafted my account. I also made my payment early from auto pay as well so I was double charged as well. I corrected the overdraft then investigated my account at Nelnet and found my account changed without my consent to my old one. I never provided Nelnet my old bank account info and when I initially signed up it was not present on my account. I tried to reach their customer service line to be met with a 2 hour wait time, I waited the 2 hours to be hung up on without speaking to anyone. I tried emailing them requesting what happened to be met with an email that states they wouldn't respond to my email. 

For the federal government to move all our federal accounts to nelnet while nelnet has improper staffing to field questions from people who are required to pay back these loans is gross negligence. I am afraid to make any changes because of how difficult it is to even get ahold of anyone at my loan service provider for my federal student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
I tried to log in to make a payment on my XXXX credit card issued by Comenity/Bread Financial on XX/XX/2023. The site was down and I was forced to call Comenity directly because the payment was due on XX/XX/XXXX. The agent I spoke with took my banking details and I asked that she apply a {$150.00} payment to the account. 

On XX/XX/2023, I noticed that the payment had not been debited so I call back and was initially told that the payment was returned by my bank. I explained that was not true as I was looking at the account online and there were no returned checks/ACH payments. After speaking with 5 people for over 1 hour and 45 minutes, Comenity 's support agent explained that the payment had not been returned, rather the account information provided was wrong. I explained that was not possible as I read the information directly from my bank account page. They listened to the call from the previous week and finally acknowledged that the agent from the prior week had entered the information incorrectly. Unfortunately, Comenity had already reported the delinquency to the credit agencies. 

The last agent provided me with a letter stating that the account was in fact up to date and not delinquent. However, the ripple effect of their error has caused major impact to my credit score ( dropping by XXXX points ), which then caused the Comenity to lower the credit limit on the XXXX credit card by 35 % ( from {$2000.00} to {$1300.00} ) and lowered the credit limit on my other Comenity issued card for Ulta Beauty by 25 % ( from {$1300.00} to {$1000.00} ), which has further impacted my credit score. 

I have filed disputes with the 3 major credit bureaus, and I have used the letter provided to me by Comenity, acknowledging the error, to request that my credit limits be restored to the same limit provided prior to the Comenity error.

My issue is the efforts/urgency of Comenity to correct this. All of this was set in motion by Comenity down website and the error in transcribing the banking information, yet, other than their providing me a letter stating the account is not delinquent, there has been zero urgency to correct/restore the credit.

I am reporting as I saw during my search for a direct contact in Bread Fianacial/Comenity, that this company has already been sued once for applying late fees when customers were unable to log into the site to pay their bills and was penalized with a hefty fine. There seems to be no change in their practices. They need to be help accountable for their errors and possibly further penalized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OK

Complaint narrative:
I had a coinbase account. Somehow it was compromised I and all the funds were sent out of it to a third party address. Coinbase claims they have no fault in this but they are the ones who sent it. They have done nothing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: Kadent Corporation
State: PA

Complaint narrative:
Delete all errors on my files and report

Company response to consumer: Untimely response
Consumer complaint received 2023-12-18 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Delete all errors on my files and report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
To whom it may concern, Please be advised that this complaint is specific to my consumer rights and protections and specific to the {$350.00} posted on my credit report as a collection. 

The law states, when a debt collector contacts you about a debt, they are LEGALLY REQUIRED to provide information about that debt, including the name of the creditor, the amount owed, and MY RIGHT TO DISPUTE. Unfortunately, this legal requirement did not happen prior to placing this debt on my credit report, wheras I was never contacted. 

The attached response letter from Transworld Systems INC ( TSI ) serves as proof that TSI, violated my consumer rights when they failed to provide me the legally 30 days requirement to dispute the debt owed or pay the debt prior to placing this debt in collection on XXXX ( see screen shot of credit report specific to this debt ). 

On XXXX I submitted a complaint regarding this debt that was placed on my credit report as a collection. On XX/XX/, TSI responded to my complaint ( see attached ) ; the reponse states " On XXXX  TSI electronically mailed an initial Demand Letter to the email address we have on our systems '' ( TSI failed to attach proof that they emailed me a demand letter or the email adress ). 

However, my credit report reflects that the debt was posted on my credit report on XX/XX/ prior to the demand letter notifying me of the debt and giving me the opportunity to cure the debt or dispute it. Therefore, I am requesting this company remove this debt from my credit report or be prosecuted by CFPB Enforcement Actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I sent a letter asking experience to reinvestigate my accounts. Everything is not 100 % accurate. This is causing me XXXX, I feel helpless because the credit bureaus are not doing their job.

According to 15 USC 1681i, XXXX, XXXX and XXXX have thirty days to investigate and send me results which I have not ever received.

They are in violation of 15 USC 1681i 15 USC 1681i ( 5 ) 15 USC 1681i ( 7 ) 15 USC 1681s-2 ( 1 ) 15 USC 1681 ( b ) ( c )

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 2023-12-18 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: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
On or about XX/XX/2023, I received a call from Truist Bank 's Fraud department concerning two suspected fraudulent charges on my credit card. One charge was for {$1.00} the other was an XXXX charge of {$710.00}. I said neither of those charges were mine. I was told my card would be closed and a new one sent to me and that the charges would be investigated. When I received a Truist statement with the {$710.00} XXXX charge billed, I called Truist and was told the charge was being investigated. I then received a Truist letter dated XX/XX/2023 assigning case number XXXX to the case. When I received the bill dated XX/XX/2023, the charge was listed as a previous balance and fees totaling {$36.00} were added. I called the Fraud Department again on XX/XX/2023 and was told it takes 3 billing cycles to complete the investigation. I then received a letter dated XX/XX/2023 telling me my payment was past due and may be reported to a credit bureau. I called the Fraud Department again on XX/XX/2023 and was told they are still working on it. I received another Truist letter dated XX/XX/2023 advising my account was past due and again stating it may be reported to a credit bureau. I called again on XX/XX/2023 and was told the investigation was being expedited. On XX/XX/2023 I learned the matter had been reported to credit bureaus and my otherwise excellent XXXX score had been reduced by XXXX points due to Truist 's delay in investigating the fraud. I called again and was told a second time the case would be expedited. I later received a letter dated XXXX advising my account was being closed and that " This communication is an attempt to collect a debt.. ''

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief