vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
XXXX and the loan servicer ECSI have made it almost impossible to understand and appropriately pay back my XXXX loan. XXXX shifts blame to ECSI at any possible time for issues while having full control of the process. ECSI equally shifts blame back to XXXX and does not transfer you to the right person you need to talk to for XXXX loans. Getting in touch with a loan servicer at XXXX is extremely stressful and often requires calling upwards of XXXX times to get in touch with the correct person. 

For payment due XX/XX/XXXX, I received my bill from ECSI on XX/XX/XXXX. This is unacceptable as if I had not remembered on my own to pay ECSI I would have had a late payment penalty on my credit score. 

ECSI 's online system does not allow you to pay the amount due. I was making monthly interest payments of {$89.00}, yet when I would go to pay online, the only amount it would let me pay was the " full payoff amount '' of {$500.00}. When I called to ask about this, the phone rep said there is a problem with their system that they are working on. It has been a problem since XXXX when I XXXX XXXX XXXX. It seems that at every step of the way they make it as intentionally confusing and obfuscated as to how to pay back the loan, and what amount to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: EQUIFAX, INC.
State: NE

Complaint narrative:
I review my credit report and noticed there are fraudulent inquiries, I already send a deletion request to the Equifax with FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I already submitted a complaint in regard to making a payment, I still can not log in to the portal to this day. I keep getting the message that that page does not exist?!?! Im sure theres been a late fee added and as previously mentioned Id like it removed because its complete XXXX that Ive been charged about over {$100.00} in fees because Ive been having the same exact issue since last year with this company. And they do not do anything to help their consumers, theyre such a disgusting and fraud/scam of a company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to formally express my deep dissatisfaction and distress caused by the handling of my account and disputed charges by Navy Federal Credit Union. Despite my persistent efforts to resolve this issue, I have encountered a distressing lack of assistance and communication from Navy Federal Credit Union, which has exacerbated my financial and emotional stress. 

On XX/XX/2023, I opened an account with Navy Federal. Issues began to surface when fraudulent charges were made on my account. On XX/XX/2023, located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, I met with a banker to dispute several charges. I was assured that the disputed charges would be credited within 5-7 business days and that I would be contacted if there were any queries. Regrettably, this did not happen. Moreover, despite reporting my card as missing and providing an updated mailing address, I found that my address was not updated and the missing card was still active, leading to more fraudulent transactions. 

The initial list of disputed charges included multiple transactions from XX/XX/2023, to XX/XX/2023, including several charges by Navy Federal Credit Union for Returned Item Fee, when I had a positive balance in my account and nothing was ever returned. The distress caused by these fraudulent charges was amplified by my XXXX XXXXXXXX, making the situation extremely challenging for me. 

Subsequent visits to the bank and communications yielded no progress. On XX/XX/2023, I was informed that the investigation was closed without any explanation. Further fraudulent charges were made on the card I reported missing, indicating a serious lapse in security and customer service. My efforts to dispute these additional charges were also thwarted. 

In an attempt to seek resolution, I sent a certified letter to your XXXX, Florida office on XX/XX/2023, outlining additional fraudulent charges on card # XXXX. To date, I have received no acknowledgment or response, which is not only distressing but also unacceptable customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-30 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: White Jacobs & Associates
State: CA

Complaint narrative:
Hired White and Jacobs - Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX to help with credit repair. They required payment upfront, which at the time I did not know was illegal. Paid them additional monthly payments. They were not able to assist in any capacity, were incredibly rude and difficult to work with, made promises they could not keep. I requested a refund and was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Good day. 
I have a money market account with Goldman Sachs Marcus. The account number is XXXX. This account is intended for saving purposes and not a credit card or checking account. 

XX/XX/2023, I noticed debits from XXXX XXXX checking accounts ( personal and business ). The business account number was not linked to Goldman sachs, so this was very questionable. My XXXX  accounts show Goldman sachs debiting these accounts odd amounts. A XXXX representative advised me that Goldman Sachs attempted to debit the business account in the amount of {$10000.00} in XXXX but it was rejected due to insufficient funds. Then in XXXX, my XXXX checking accounts were hit over and over again. I filed claims, placed alerts on my accounts, and closed the accounts. 

On my XXXX transaction history, it shows the debits were Goldman Sach 's collections. I don't have credit accounts with Goldman Sachs. I contacted Goldman Sachs who advised me they see the transactions but couldn't discuss with me. My online access was also blocked. Goldman reps told me management must review. 

This is still is not resolved. My Goldman sachs account is negative which makes no sense. I am attaching the statements forwarded to me. My balance should be {$10000.00} per the XXXX statement. 

I filed verbal claims with Goldman sachs and reported the matter to the FBI as fraud is ongoing. Goldman Sachs has allowed this matter to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
HARD INQUIRY for Bank of AmericaXXXX XXXX XXXX XXXX XXXX This is not me! I didn't apply, inquire OR request! I tried calling them. Totally automated!

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 2024-01-30 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: MO

Complaint narrative:
I reviewed my consumer reports and noticed that i had One late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-01-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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:
Based on a review of my credit report, Ive sent the following letter to have the report corrected and all inaccuracies removed, Under FCRA 15 USC 1681 and privacy act of 1974 for the purpose of maintaining the consumer report in premium standard. The following that have been highlighted should be removed as they are considered certificates of indebtedness which is considered income per 26, CFR 1.61 - 12 of the internal revenue, sub, chapter A and 26 CFR 1.108-2 The creditor debtors partnership treatment of value for market value of indebtedness, as equal to the liquidation for value of the debt for equity interest for the purpose of determining the tax consequences of the debt for equal exchange. 
All soft inquiries are unrecognizable and are to be removed per 15 USC 1681 permissible purposes, and the privacy act of 1974. These soft inquiries were not notified of to be placed on my consumer report, or verbally consented to, and should not have been reported without written permission. 
The following have been highlighted for removal from the consumer credit report names and addresses for removal as they are incorrect, spelling and non-malleable addresses, all phone numbers highlighted are noncallable and I can not be reached or notified of any changes on my credit report all nonaffiliated, third-party collectors with account numbers and transaction history are to be removed as they are charge off from the original creditor and are considered zero certificate of debt which is income per 26 US 61 where gross income is defined and considered income can not be reported at is a violation of financial transaction to be considered non-public personal information and to be removed immediately. 

12CFR 332.10 Limits on disclosure of non-public personal information to nonaffiliated third parties.

( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 332.4 ; as I was not notified prior to making a record of any accounts or transactional history per the violation, it is to be removed.

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 2024-01-30 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CO

Complaint narrative:
After checking my credit report I am writing to bring to your attention a concerning issue I have been facing with my credit report. I have consistently requested the removal of unauthorized hard inquiries, which I have noticed on my credit report without any prior knowledge or approval. Despite sending letters to all three major credit bureaus, I am uncertain about the effectiveness of my efforts, as these unauthorized inquiries persist on my credit report. Given the impact of such inquiries on my creditworthiness, I kindly request your assistance in investigating and resolving this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to rectify and prevent these unauthorized hard inquiries from negatively affecting my credit profile. dditionally, I have encountered another issue with a specific company that continues to report information on my credit report even after I have formally requested them to remove it. Despite my efforts and correspondence with the company, they have not taken the necessary steps to rectify the erroneous reporting. Given the significant implications of these issues on my financial standing, I kindly request your urgent assistance in investigating and resolving both matters. Your intervention and guidance on how to rectify and prevent these unauthorized hard inquiries and erroneous reporting from affecting my credit profile would be greatly appreciated. Thank you for your prompt attention to these pressing matters, and I look forward to your assistance in resolving these issues. I sent my first letter in XX/XX/ and XXXX additional letters after in regards to not only this issue but many more that is stated in the attached letter. I have requested proof of these accounts with no response XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I find it very frustrating that Experian continues to ignore my requests and doesnt care to actually verify ANYTHING. I check my Experian credit report often. They just responded to my most recent complaint with the cfpb stating the account is not on the credit report, when it CLEARLY is. This proves my point that Experian does not verify or actually investigate these disputes. I have been reaching out to Experian and this is unlawful to post about me. How can they say it is not on my report when it is clearly there shown as a charge off? They probably did not read the letter. This has caused me a lot of XXXX and XXXX which I have been getting treatment for and along with this I recently suffered an event that has caused severe XXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to this derogatory items being reported about me damaging me, I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as Experian being XXXX of the important Credit Reporting Agencies in my region just about all lenders seem to use them to verify my financial worthiness. Also if this is indeed the way that Experian operates then I would imagine that other people in this country experience the same outcome when they dispute with them as well. I have researched and talked with others and I can not seem to find anything supporting this occurrence. I have reached out to Experian about this multiple times calling their call center where I can not seem to get reliable help regarding this situation and most times my calls end with their representatives hanging up on me and not calling back until days later from an unavailable number and not leaving a direct line for me to reach back to the representative that I would hope is from a higher level of representation. So to all of this then please explain the errors and false misleading information on my report and the exact process being used to verify them as I honestly believe that they are illegally being reported to begin with and if they are removed as they should per law then I have no reason to dispute. 

I demand Experian to remove these accounts from my consumer report as they do not meet whatsoever the standards or I will be forced to file LITIGATION against them for furnishing false and inaccurate accounts on 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 explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: LA

Complaint narrative:
Ive lost my prepaid card and I didnt know that someone was making transactions on my card so netspend sent me another card once Ive activated the new card I then noticed all of the transactions I contacted them as soon as possible they told me that I would get a provisional credit and to look on line a few hours later I did that and what I saw was my dispute was denied

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 2024-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Someone tried to open an account in my name at Ulta Beauty ( Comenity Capital ). I contacted the credit card company and notified them this was opened without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
I have closely monitored this loan modification with UWM that was signed and executed around XX/XX/XXXX. As of XX/XX/XXXX, I was informed that the loan has started to update on the UWM dashboard login page. On XX/XX/XXXX, in accordance with the instructions to request an off-schedule escrow analysis when the loan modification was completely updated in the system, I have called the UWM general customer service line and they refuse to grant me a new escrow analysis. I have followed the instructions provided by UWM corporate counsel ( attached ) and requested the off-schedule escrow analysis and would like this to be granted so that my payment can be accurately calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: NC

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 non-monetary relief
Consumer complaint received 2024-01-30 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I originally disputed this account XXXX XXXX XXXX XXXX back in XX/XX/2023 via FCRA for an inaccurate information And After my 1st dispute it was still active and never removed from my report up until my second time filing, a complaint, The 3 consumer agencies, did not do there job thoroughly AND that is a violation XXXX, XXXX Equifax, violated my federally protected consumer rights to privecy 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 It also states a consumer reporting agency can not furnish a account without my written instructions Plus More violations listed below *15 U.S.C 1681 ( O ) *15 U.S.C 1681 ( i ) *15 U.S.C 1681 ( e ) ( b ) 15 U.S. Code 1692 ( f ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( e )

Company response to consumer: Closed with explanation