vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My husband passed away last year and I was appointed executor of his estate. I have been working to file the tax return for his business. Despite multiple requests for his XXXX credit card statements ( for an account on which I was an authorized signer ), Citibank has failed to send them, has made it difficult to talk to the correct department due to their poorly designed ( and possibly intentionally flawed ) phone tree and has given inconsistent information over and over. I can't get these statements online since the account is already closed. And they will only mail them, which they have promised and failed to do XXXX times. Taxes must be filed on the corporation in less than XXXX weeks and I have been working on this since the end of XXXX. I have even brought in a copy of the Letter of Office to the local branch since they only accept mail and fax copies (!!!!! ). I am also a long-time Citi customer, but am rethinking that given this experience. Can someone please force them to get these statements to me first thing Tuesday? If they had mailed them to me when they originally said they would, we wouldn't be having this problem. And BTW, we have lived at the same address for XXXX years, so it's not like I'm trying to do something nefarious.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have numerous negative accounts that doesnt belong to me. The accounts are not mine and a lot of the information is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I was trying to retrieve money I had lost in a scam. The money was being held by XXXX XXXX. I was told by XXXX XXXX they had {$110000.00} but I had to pay taxes on it. When I followed their instructions, my bank, USAA FSB said XXXX XXXX was fraudulent and I was a willing participant in the fraud. So USAA said they were terminating our assiciation. This all happened just after my XXXX XXXX, my XXXX XXXX XXXX, my XXXX XXXX, and my husbands XXXX XXXX were deposited. Right now, USAA is holding {$28000.00} of my pay and penalizing me for missing payments. They say they will send me a check for any balances in 60 days. Ive been trying to close annuities and XXXX IRAs to get money to pay my bills, but USAA is even slow to do that! If they have already found me guilty of fraud, when I was the victim, why cant they give me my money now? Why do I have to wait 60 days? My husband and I are trying to retire in the XXXX due to his poor health. We desperately need our money! I am a veteran of 23 years with a 90 % XXXX. My husband worked for the XXXX for 25 years, but his health is failing. He wants to go home before he dies. I have a Durable POA for his finances. We were loyal members of USAA for 26 years. Now, all we want is our money. Is that too much to ask? ( And why was my previous complaint closed? )

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 2024-08-29 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: MA

Complaint narrative:
Hi, I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant impact on my overall mental well-being and financial opportunities.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hi, I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant impact on my overall mental well-being and financial opportunities.

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 2024-08-29 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: MA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-08-30 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: FL

Complaint narrative:
I am XXXX XXXX and am personally handling this complaint with no third-party involvement. Ive included letters that explain in detail the discrepancies on my credit report. There are inaccuracies and inconsistent dates reported across Transunion, XXXX, and 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 2024-08-30 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: FL

Complaint narrative:
I am XXXX XXXX and am personally handling this complaint with no third-party involvement. Ive included letters that explain in detail the discrepancies on my credit report. There are inaccuracies and inconsistent dates reported across XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Dispute Date : XX/XX/24 XXXX account from CCS COLLECTIONS with account XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a balance of {$270.00}. The original creditor is XXXX XXXXXXXX XXXX. I never had a contract with this debt collector for any debt. Please provide valid proof that I currently owe this debt and that this debt collector currently has the legal authority to collect it or delete this account. 

Dispute Date : XX/XX/24 XXXX account from CREDIT COLLECTIONS with account XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX XXXX. I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide valid proof that I currently owe this debt and that this debt collector currently has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Also, this account is listed TWICE on my report causing me irreparable harm. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

Credit Collections is still incorrectly reporting that I have/had an account with them and a balance. There was never any validated proof sent to me that I owed them any debt, how I owed it, dates that it accrued or anything that substantiates that I owe them anything. This is having a heavy negative impact on my credit rating and must be removed as it is false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Subject : Formal Dispute Regarding Inaccurate Credit Reporting Immediate Correction Required Complaint Number : XXXX To Whom It May Concern : I am writing in response to your communication regarding my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) under complaint number XXXX, in which I challenge the accuracy of the information reported on my credit history. 
Upon reviewing my credit report once more, I have identified several serious inconsistencies that invalidate the accuracy of your reporting : 1. Inaccurate Information on Payment Status : The credit report I have reviewed shows that, according to XXXX, my account with XXXXXXXX XXXXNetCredit was current in XXXX and XX/XX/year>, except for XX/XX/year>, where a 30-day late payment is reported. 
In XXXX, it reflects that there was only one late payment in XX/XX/year>, while the payments for XXXX and XXXX are marked as on time. 
These data points contradict your statement that a 30-day late payment was reported in XX/XX/year>. The discrepancy between the different credit bureaus, along with the absence of negative reports in XXXX, raises significant concerns about the accuracy and consistency of the information you provided to the credit agencies. 

XXXX. Right to a Full Investigation Under the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information on my credit report and to expect a reasonable reinvestigation of that dispute by the credit reporting agency. Furthermore, under 15 U.S.C. 1681s-2 ( b ), once a furnisher of information ( such as NetCredit ) receives notice of a dispute, they are legally obligated to conduct a thorough investigation, correct any inaccuracies, and notify the credit reporting agencies of the corrections. 
Your communication indicates that there were no formal disputes prior to my CFPB complaint, which is incorrect. My contact with your customer service team on XX/XX/XXXX and XXXXXXXX XXXX, clearly constituted attempts to resolve this matter, which you have failed to acknowledge or investigate properly, thus potentially violating your obligations under 15 U.S.C. 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: AZ

Complaint narrative:
On XX/XX/24 I sent XXXX, XXXX, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue

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 2024-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Approve Holdings, Inc
State: NV

Complaint narrative:
I contacted Auto Approve requesting a refinance loan on a XXXX XXXX XXXX owned by my grandson and financed through the XXXX dealership in VA. 

I wanted a {$25000.00} loan in my name, to get the much lower interest rate I qualify for with Credit ratings over XXXX. My grandson would act as co-signer and pay me the monthly payments for the loan that I would be legally responsible for. An initial estimate on their website showed I should be able to get a loan at less than half the interest rate he was paying, I provided all the required information over the phone, as did my grandson, who also had just started a new full time job as an XXXXXXXX XXXX XXXX, I also unfroze my Credit reports so Auto Approve could verify my credit. 

I was told by XXXX XXXX that they would not issue a loan. No reason was given except a claim he was denied because he was a XXXX XXXX. They had been previous told that was before he started with XXXX and in any case the load was to be in my name not his, As mentioned I have outstanding credit, which was not even checked by Auto Approve and the last email said I should reapply when I had just completed the application a few days earlier and was told it was complete on my end. 

They have failed to contact me further.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: EdFinancial Services
State: FL

Complaint narrative:
My loan servicer, EdFinancial, has been reversing my loan payments since XXXX. I have been trying to pay my loan every month and even set up autopay, but even then, I check my statements and they are not taking money out of my bank account. XXXX login to the EdFinancial website, do a payment, get a receipt, and then the next month XXXX get a late notice because apparently my last payment was not accepted. My payment history says my payments reversed, but getting a hold of EdFinancial is literally impossible, Ive tried emailing them and no answer so far. I have been late on my payments since XXXX but they will not take my money, which makes no sense. I have plenty of money in my bank. I have been researching and have found other people online who had the same issue and had to file a complaint as well. Attached to this complaint is my payment history, my latest late notice, and all of the emails I received from EdFinancial saying that my payment was accepted only for my payment to be reversed a few days later

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: SC

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-29 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: CA

Complaint narrative:
I sent in multiple metro 2 compliance letters and they continue to ignore them and also act like they dont know its me and send me a stall letters, I need them to stop and make necessary changes, Ive sent letters to XXXX XXXX XXXX XXXX and Transunion , but the complaint will only let me upload one letter but they all got a letter like the attached letter

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 2024-08-29 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: CA

Complaint narrative:
I sent in multiple metro 2 compliance letters and they continue to ignore them and also act like they dont know its me and send me a stall letters, I need them to stop and make necessary changes, Ive sent letters to XXXX XXXX equifax XXXX and XXXX XXXX but the complaint will only let me upload one letter but they all got a letter like the attached letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This complaint deals with checks issued by Wells Fargo Bank I am attaching copies of the letters we received telling us to cash the checks and we will still be able to be included in the settlement.

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 2024-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Ongoing issues since XX/XX/XXXX, company keeps using incorrect information Ive sent multiple email concerns. After changing property insurance, it decreased by {$3100.00}. 
The mortgage payment prior was {$3100.00}. 
The new mortgage payment changed to XXXX. Which was paid monthly and cleared account. Rushmore management did XXXX analysis and continued to use the old payment which was incorrect and the mortgage payment increased to {$3000.00}. A {$230.00} difference, when I inquired how the escrow decreased but the mortgage payment stayed the same, no one will answer that question and they will continue to tell me Im wrong and its correct. I have continued to make the payments of XXXX and Nationstar/Mr. Copper keeps rejecting the payments. The payment for XXXX was accepted and cleared checking account in XX/XX/XXXX. They said I havent made a payment since XX/XX/XXXX, that is wrong because they rejected XXXX and XX/XX/XXXX. The payment ledger is totally wrong. They have payment dates and amounts that have never been paid by me or cleared the account. So while Im working with them about all the mistakes and waiting on a correct resolution, they put house in foreclosure and I received a notice of trust to sell our home. I was given incorrect information on how much is needed to keep home they say mortgages is XXXX months behind which is incorrect, Ive sent proof multiple times to prove XX/XX/XXXX was paid and cleared account, they ignore it and use it against me. I have spent many hours researching account, dont was to foreclose on home, we have been in it for XXXX years and it didnt become a problem until Rushmore Serving took over XX/XX/XXXX and now they have it in foreclosure, I have paid mortgage thru want to be correct and homeowner be wrong. Its an online company that I didnt ask for and can not talk to anyone in person, because its an error and they foreclose and now Im fighting to keep our home They ignore emails and just send back incorrect information and the expect the homeowner to accept it Please help, they should not be allowed to foreclose on their error

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
have alot on my credit thats holding me back need help geting it offf so i can recieve a creditcard

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