vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
On XX/XX/, I was contacted by an individual claiming to sell pharmaceuticals. After placing an order, they stated the medicines could not be directly shipped to the USA. TwXXXX supposed logistics companies- XXXX and XXXX - then demanded additional shipping fees totaling {$45000.00}. 

Foolishly, between XX/XX/XXXX and XX/XX/XXXX I provided the funds as requested through a series of transactions via Zelle as well as other services - XXXX XXXX XXXX, XXXX and XXXX XXXX - not realizing I was being scammed. I maxed out my XXXX XXXX, XXXX, and XXXX XXXX credit cards taking cash advances to fund these accounts and send payments. 

In total, at least {$800.00} was withdrawn from my XXXX XXXX credit card, and {$5200.00} was ultimately sent through Zelle. The various crypto, XXXX and money transfer platforms were simply used as pass-through services to funnel money to the scammers ' accounts. 

I did authorize these transactions but Zelle failed to monitor and halt this unusual activity which emptied my retirement savings. I am requesting the full {$5200.00} be reimbursed and fraudulent charges reversed, along with an investigation into the lack of consumer safeguards. All supporting documentation is attached. Please help recover these devastating losses and hold the companies enabling them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On Monday, XX/XX/XXXX I noticed my Navy Federal Credit Union checking account showed a {$200.00} debit for a check I had written and a {$200.00} debit from the account by a number that was not a check but had a similar last 4 digits as the other check. The online service would not show the check with strange numbers. I called NFCU and after over an hour and speaking with 3 different people, it was determined that the person I wrote the check to, also an NFCU member, had mobile deposited my check after endorsing the check for mobile deposit only and then subsequently cashed the same check illegally at a local branch. I was told NFCU would withdraw the funds from the account and return it to my account within XXXX XXXX. On Thursday XXXXXX/XX/XXXX I again contacted NFCU and was told it could take up to XXXXXXXX XXXX  and that when the money was returned I would not be made whole, that the money would show as deposited on the day the money that they improperly deducted was returned. I was told the branch needed to return the money and there is no phone number for the branch, I could visit the branch in question if I wanted to discuss further. Clearly NFCU is responsible for deducting the money from my account twice and fraudulently. The money should be returned as if it was not deducted and I should also receive interest for the period of time they improperly deducted the money from my account. I contacted XXXX who advised I could contact CFPB about the issue. Having just looked at my account and seeing that my account has not been re-credited for the improperly deducted funds that were taken XX/XX/XXXX, I am contacting your office for assistance. While the person who presented the check twice is clearly at fault for double presenting and has made no effort to contact me or apparently the credit union, clearly the credit union is responsible for accepting the same check twice and debiting my account. It is unacceptable to expect me to also have to physically go to a location not near my home to discuss their error with them in person to facilitate the return of my money and further when the money is returned it should show as having been there since XX/XX/XXXX and I should be given the interest lost due to their error. I do not understand why if NFCU could clearly see 6 days ago that they made an error over 2 weeks ago, that should never have been allowed, that I am still waiting for the return of my money. I am thankful I had enough in my account to cover my other debits but this is just wrong and should not be allowed to happen. I also should not have to continue to call NFCU and check my account to see if the money has been returned, they should keep in contact with me to keep me apprised of their efforts to correct the fraud they are aware of.

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 2023-10-21 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: TX

Complaint narrative:
Took out a loan to attend XXXX driving school through my local community college.. Well they ended up not providing my training and instead they sub contracted me out to XXXX XXXX XXXX  an unaccredited for profit training company that has since gone out of business.. I wrecked my truck and had a XXXX child that is now on XXXX and it has been very hard.. We ended up filing for bankruptcy and included these loans which there was 2 from XXXX XXXX The loans are listed on my Creditor list and all were discharged.. They continue to try and collect and have resold the loans several times.. Every time i dispute them they pretend they are qualifying student loans that have protections and should not be dischargable.. These loans are dischargable and i can not get help from anybody even after showing them the list of creditors included these loans and explaining they were not actually qualified educational loans that should be protected from bankruptcy discharge.. Recently one of them was sold to XXXX XXXX and has destroyed my credit yet again.. Please help me..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: TX

Complaint narrative:
Took out a loan to attend XXXX driving school through my local community college.. Well they ended up not providing my training and instead they sub contracted me out to XXXX truck driving an unaccredited for profit training company that has since gone out of business.. I wrecked my truck and had a XXXX child that is now on XXXX and it has been very hard.. We ended up filing for bankruptcy and included these loans which there was 2 from XXXX XXXX The loans are listed on my Creditor list and all were discharged.. They continue to try and collect and have resold the loans several XXXXimes.. Every time i dispute them they pretend they are qualifying student loans that have protections and should not be dischargable.. These loans are dischargable and i can not get help from anybody even after showing them the list of creditors included these loans and explaining they were not actually qualified educational loans that should be protected from bankruptcy discharge.. Recently one of them was sold to XXXX XXXX and has destroyed my credit yet again.. Please help me..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After receiving a copy of my credit report, I discovered several inaccurate accounts that werent mine. On XX/XX/2023 I sent in a dispute letter to TransUnion asking them to investigate these accounts and send me verifiable proof of the accounts listed on my credit report that do not belong to me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. After 30 days of not getting a response, I mailed another certified letter to them trying to get help because those accounts do not belong to me. I also filed a complaint with CFPB, hoping that this would help me resolve my problem. After filing the complaint, I received a response that TransUnion was still working on my problem. I believed that the investigation had started and that I would receive a response back soon regarding these accounts. On XX/XX/2023, I received a letter from TransUnion stating that they were unable to process my request because they were unable to determine the nature of my request. The letter stated that in order for them to investigate the information in the credit report, they needed me to mail them a letter with the account name and number, and specify why I was disputing it ( for example, this is not my account ). I have mailed in letters twice with this information included. These false accounts on my credit report has caused me great harm. I have been denied credit opportunities, faced higher interest rates, and encountered difficulties in securing housing and employment. These issues are not only damaging my financial well-being but also causing immense emotional distress. I urge you to understand the gravity of this situation and take immediate action in accordance with the FCRA. Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that inaccurate information must be corrected or deleted promptly. If TransUnion can not verify the legitimacy of these accounts, they must be removed from my credit report without delay. I kindly request that you investigate this matter thoroughly and take appropriate action against TransUnion, ensuring the accuracy and integrity of 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 2023-10-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Ulta credit line with wrong credit line amount, fraud charges not reimbursed and that affected my credit score... closed it but problem was not resolved ... rewards stolen ... .they said I could not fight them ..?,... 

Wrong APR ... as well ... they did same with XXXX XXXX credit card, and others under comenity Denied XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX Credit card line wrong and wroXXXX XXXX  ... .since XXXX 

XXXX XXXXXXXX benefits limited, wrong APR, and credit line and Talbot 's credit card line of credit and APR... it is not income ... ..they are holding me down ... my income, etc and shut down other sources of income .... 

Blacklisted, defamated forgery restricted discriminated ilegally retaliated persecuted ilegally Advise

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
I use online bill pay to make my monthly mortgage payments. I typically pay my mortgage within the first few days of each month ( XXXX or so ). 

In XXXX, I submitted a payment to NewRez ( servicer ) on the XXXX. The XXXX XXXX ( XXXX ) confirms that a check was produced and mailed on the XXXX. I live in XXXX, OR and NewRez is apparently in XXXX, TX. 

According to my XXXX account, the funds were taken out on XX/XX/XXXX and at that point I no longer had access to them. However, NewRez says they did not receive / open / credit the payment until XX/XX/XXXX, which resulted in a late fee of {$140.00}. 

I talked to them twice to explain the situation but they will not remove the fee. 

It is inexplicable to me that a. ) a payment takes XXXX weeks to travel from XXXX to XXXX ; b. ) the funds came out of my account a week earlier ; c. ) neither USPS nor NewRez, both multi-billion dollar operations will take accountability for these inexcusable delays and a dude from XXXX is stuck with a {$140.00} fine when he did everything right. 

I find it exceedingly unlikely that the check actually took 14 days to traverse XXXX miles and suspect it was received by NewRez well in advance of the XXXX. If so, and it took them a week to process the check, that's on them, not me. Either way, I have no intention of paying this fine when I did everything the way it's supposed to be done. 

NewRez receives my payment every month and has for 3 plus years. They make money servicing loans, which in and of itself is parasitic. NewRez does not own my loan, they took no risk in making it, yet still manage to make money simply by cashing checks and looking for excuses to charge people fees. It's absurd. And to top it off, I'd be willing to bet almost nobody who works there answering calls makes a living wage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: FL

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

XXXX5 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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:
In accordance with the Fair Credit Reporting act 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 2023-10-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a victim of identity theft. someone have mv information and stealing money from my Bank of America account since XX/XX/XXXX and done the same thing again on XX/XX/XXXX I would like to press charges. This is harassment and I've been depressed they taken XXXX from my account Ive have the list of transaction plus claim number to help identify. XXXX XX/XX/XXXX claim number XXXX XXXX XX/XX/XXXX claim number XXXX XXXX XX/XX/XXXX - XX/XX/XXXX Claim number XXXX XXXX XX/XX/XXXX - XX/XX/XXXX Claim number XXXX XXXX XX/XX/XXXX Claim number XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I tried multiple times to set up payment, set up monthly payments multiple times, over the phone and online payments were not going through and after multiple attempts to pay monthly they said I missed to many payments and put a hit on my credit score that lowered it by over XXXX points. I then was forced to pay off the balance in full or risk a harder hit on my credit score. I then disputed with XXXX which boosted my score back up by XXXX points but I believe this should be removed from my record completely and that my score should go back to what it was before the hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I tried multiple times to set up payment, set up monthly payments multiple times, over the phone and online payments were not going through and after multiple attempts to pay monthly they said I missed to many payments and put a hit on my credit score that lowered it by over XXXX points. I then was forced to pay off the balance in full or risk a harder hit on my credit score. I then disputed with Experian which boosted my score back up by XXXX points but I believe this should be removed from my record completely and that my score should go back to what it was before the hit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have 6 unauthorized inquiries on my Trans Union credit report that I did not authorize that I demand be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I didn't know I owed anything until I saw the collections notice on my credit report. This collections agency never called me. Sent an email, or mailed me any kind of notice that I received. The collections is from a XXXX XXXXXXXX credit card that they bought the debt from. I gathered this from what is written on my credit report. I had paid this debt through a credit card consolidation I had done many years back. I disputed this debt with the company and no one has reached out to me or removed it from my credit report. I won't pay this debt twice. It needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management
State: FL

Complaint narrative:
I am writing to bring to your attention a critical issue regarding a debt that is currently being pursued by Amerifinancial Solutions. I dispute the validity of this debt based on the fact that, at the time of the service in question, I was a member covered by XXXX XXXX XXXX. Furthermore, I not only contest the amount claimed, but also the existence of any outstanding balance. This dispute arises from the inaccurate reporting of my insurance coverage, which has had severe consequences on my credit history. This detrimental impact is now hindering my ability to seek necessary medical treatment and is impeding my efforts to purchase a home.I have already communicated with XXXX XXXX of Florida, informing them of this situation and providing evidence of my insurance coverage during the specified period. They are aware of the inaccuracies in reporting and are collaborating with me to rectify this matter. Additionally, I dispute that I owe the amount stated on the invoices in question.I implore you to conduct a comprehensive investigation into this issue, removing any accounts associated with my name, XXXX XXXX, under the following account numbers : Account # : XXXX, Account # : XXXX, Account # : XXXX. The resolution of this matter is of utmost urgency, and I trust that you will treat it as such. I request that you promptly confirm the removal of these accounts and provide written acknowledgment of their resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
On XX/XX/2023, I submitted a Notice of Dispute and Request to Remove Incorrect Information from my LexisNexis Accurint Report ( XXXX ) to XXXX regarding the incorrect Address Records that LexisNexis is reporting on my LexisNexis Accurint Report. On XX/XX/2023, I submitted a Consumer Financial Protection Bureau ( CFPB ) complaint ( CFBP Complaint # XXXX ) via the CFPB Consumer Portal regarding the incorrect Address Records that LexisNexis is reporting on my LexisNexis Accurint Report. 
On XX/XX/2023, LexisNexis responded to CFBP Complaint XXXX XXXXXXXX with an attached letter titled XXXX XXXX ( XXXX KB ). LexisNexis ' response to my complaint is insufficient. LexisNexis response states : In addition, LexisNexis initiated a dispute, and that investigation was resolved on XX/XX/2023. During our investigation, LexisNexis located and verified possible criminal records listed in XXXX XXXX file with LexisNexis. A resolution letter outlining the results of our reinvestigation and XXXX XXXX statutory rights was mailed directly for his review. How could LexisNexis possibly verify an alleged Possible Criminal Record when I do NOT have a criminal record? Under Illinois law, it is unlawful to engage in defamation of anothers character and reputation. To report that I have a criminal record when I do not is defamation. LexisNexis reporting of an alleged criminal record is injurious to my reputation. In Illinois, traffic offenses are NOT considered criminal offenses. The item LexisNexis is reporting does NOT list the specific court where this alleged traffic offense occurred. I do not recall this traffic offense and it is not listed on my DMV driving record. Instead of correcting the incorrect information, LexisNexis attempted to claim that LexisNexis is NOT a Consumer Reporting Agency and that my LexisNexis Accurint Report is not governed by the FCRA. Additionally, LexisNexis failed to include any tangible evidence to support their incorrect reporting of " Possible Criminal Records '' on my LexisNexis Accurint Report.

Company response to consumer: Closed with explanation