vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I filed a report with cfpb on XX/XX/XXXX # XXXX. I called XXXX 's again this morning in hope that they would repair my credit reports.. I was told that XXXX 's determined the accounts are mine and are going to try to collect from me again. 

I did find out that XXXX 's is sending the credit cards to a home I owned and sold a few years back. I am guessing here but I believe someone has reactivated an account I may have had XXXX years ago. I just don't know how this person has my old address and now has my social security number and name. 

I own a condo in XXXX Oregon and moved here in XXXX. We had a home in XXXX since XXXX  and moved here in XXXX. I kept my Ca phone number because of family in Ca. I purchased the condo in XXXX in XXXX. I haven't lived in Ca since XXXX. 

Someone is getting credit cards in my name and committing identity theft and fraud. Please contact XXXX XXXX and have them restore my credit. Thank you

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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the fair Credit reporting act XXXX XXXX XXXX XXXX reference # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX Account # XXXX. You are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy ofmy credit report when the above deletion has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC
State: FL

Complaint narrative:
A company called XXXX is calling and texting family members because we share the same last name and that is harassment and embarrassing. They are threatening to contact my employer as well. A guy named XXXX called from XXXX. 

After the call I received this text. 

This message is solely for XXXX XXXX. This is XXXX trying to verify your location. Call our office directly at XXXX regarding your documents received. While calling back reference ID # XXXX. This is an attempt to collect a debt, any information obtained is used for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
After checking an updated copy of my credit report, I have found an account that I do not recognize. I understand that before any account or information can be furnished to the credit bureaus ; all information and all accounts must be 100 % accurate, verifiable and properly validated. I am not disputing the existence of this dept, but I am denying that I am the responsible debtor. On XX/XX/XXXX i sent a letter to Capital One requesting for Validation of the account I did not recognize. I also requested physical documents with my signature or any legally binding instruments that can prove my connection to this erroneous entrie. On XX/XX/XXXX I received a letter from Capital One stating that they do not have my paper copy to send me because the account was created from phone or internet. On XX/XX/XXXX I sent a second letter to Capital One requesting Validation of said account I have submitted enough information for them to do a reasonable investigation. On XX/XX/XXXX I received a second letter from Capital One they then verified the account was created in XXXX. They then placed a disagreement code with a resolution to dispute. They failed to validate the account, also failed to prove to me i am the debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In XX/XX/XXXX i submitted an inquiry to the irs as I had failed to receive my round 2 stimulus in the amount of {$600.00}. On XX/XX/XXXX of XXXX I received a reply which lead me to discover the funds were sent via direct deposit in XX/XX/XXXX to a checking account with NFCU I used on my XXXX tax return. An account which as of XX/XX/XXXX was no longer open. Instead of sending the funds back to the treasury as per my findings, so a paper check could be issued. Navy Federal diverted the funds to my savings account which while still technically active. Had not been used by me in over a year. In addition, as my contact info was not updated I did n it receive statements and my online access was non active. Navy Federal then allowed the funds to sit in my inactive savings for upwards of six months so I was informed by a representative, only to then be allocated to help satisfy a charged off credit card I have with the credit Union. When I spoke with them I did so with a good degree of understanding as far as their collection process goes. This XXXX due to my having been employed with them previously as a senior collections representative. That being said I know it is not standard procedure to divert direct deposit funds automatically to alternate accounts without speaking with the member. Especially when it comes to federal funds. I also know their collection system " XXXX XXXX '' monitors any pending deposits for members with outstanding lending products. So it was known my {$600.00} payment was coming prior to it even arriving and the diversion request made preemptively. I also know the {$600.00}! would have shown on the daily reports assigned to collections reps. So the moneys were left there intentionally but without a doubt monitored. I can only assume in anticipation of either new activity on my part. Or for enough time to pass for them to assume I'd never realize it was there. Mind you I was no longer using this account which statements show. Regardless, it never should have went to the savings in the first place. This rings of deception per my understanding of XXXX. While writing this I did attempt to pull statements to provide. Only to discover that while my savings is open, it is in a credits only status and my online access has been restricted. Per the representatives I spoke with however up to my round 2 payment being taken by NFCU the account was open and available for use. I had to request statements be mailed to my address. I do give permission for CFPB to request them for review purposes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/2019 a credit card from XXXX XXXX  XXXX bank was opened for XXXX dollars this was not me and I want it removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
reference Citizens One Loan paid off XX/XX/XXXX. For and in the name of XXXX XXXX XXXX, elderly parents sent over {$10000.00} to citizens One and not Citizens insurance XXXX and XXXX. I called citizens one, got XXXX cat numbers, was told if loan was paid off they would send a check back, this DID Not happen. 

They took advantage and was told they were sent money back witting 3 weeks of receiving if the loan was paid off, again they kept the money. 

I have no idea how many times the happened since XX/XX/XXXX. 3 times for sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have a XXXX XXXX credit card account issued by XXXX XXXX Bank. I always pay my bill in full, And I went to make a XXXX dollar payment, well 3 day 's later it never showed up, so I did it again and it then showed I made the payment. When I did it the second time it never said I had a payment pending. Well anyway they hit my bank for a double payment. I have called them numerous times and get the run around saying it will be deposited, well it has been a week and no money. I feel that they are decieving the plublic, because when I made the first payment it should have said payment paid. But what get 's me is it never said that and 3 day 's later I made the payment again thinking it never went thru and did not want interest charges, I feel when I made the payment the second time, they should have said there is a payment pending for the said amount. They made my checking go into the negative and caused me harm and emotional distress. Well they could have made it better by saying we will put it back in right away. I am still waiting. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried numerous of time trying to get XXXX, Experian and XXXX to remove incorrect Bankruptcy information off my credit report. I have contacted the US bankruptcy court and XXXX XXXX and both stated they do not provide public information. XXXX XXXX has removed the incorrect entry from my XXXX XXXX report. I am attaching all the notices sent to the credit reporting agencies. Each agency states that they verified the bankruptcy with XXXX XXXX but XXXX XXXX states that they cant verify the bankruptcy and removed it from there file. Can you please help with getting this remove from my 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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I XXXX XXXX Account # XXXX {$2900.00}. please remove unauthorized/ inaccurate collection off my credit report immediately you are in violation under 15 USC 1681B and 15 USC2f.

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 2022-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I contacted Aidvantage on XX/XX/XXXX asking for a refund on all loan payments made from XX/XX/XXXX until that day. 

I was told that my refund would be processed immediately - I should see my new balance in my account within 2-3 weeks and could expect the refunded amount to be deposited to my checking account shortly thereafter. 

The approximate time given had passed and the refund had yet to be processed. So on XX/XX/XXXX I called customer service back asking for an update on my requested refund. That day, I was told that my loan request had been submitted on XX/XX/XXXX and was still waiting to be processed. I was given a new adjusted timetable of 4-6 weeks time to allow for processing. 

The 6 weeks has since past and no movement on my refund. So today, XX/XX/XXXX, I called Aidvantage once again asking for another update on my refund. I was told that my refund was still waiting to be processed and that I should expect processing to occur within 6-8 weeks. I asked the representative for the date in which my refund was approved and they stated XX/XX/XXXX. 

I have been told differing information each time I have called Aidvantage and have never received a confirmation number or email with confirmation - even though I have requested multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
On XX/XX/XXXX the vehicle was turned in. Hyundai XXXX XXXX stated they covered all excess wear and tear plus excess miles on vehicle. I was given a check of {$1000.00} to send to Hyundai motor finance. The check was received by them and the account was closed. However, XX/XX/XXXX I received a credit alert of a collection from Hyundai of {$480.00}. When speaking with them it states of excess miles. When Ive spoken with Hyundai customer service they keep stating its excess miles and the mathematics doesnt add up. Ive shown all the info to Hyundai of XXXX which they reviewed and stated the account was taken care of and there were no fees due to be paid. I have all the information of proof of the vehicle payments as well as vehicle inspection. Ive never received any letter or notice of owed payment in which Hyundai stated it probably got lost in the mail. How is it in 3 years Ive never received any notices or anything from Hyundai and all of a sudden this pops up. Ive leased two other vehicles from Hyundai since turning in this vehicle. Ive tried resolving this and I have not gotten any answers. Due to this issue it effected my credit score negatively in which its delaying my opportunity in trying to purchase my first home. I need help in resolving this as soon as possible.

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 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
Some of my checks were stolen from my mail box, One check was washed and rewritten with different signature and different type of writing and first national bank doesnt want to be responsible for this problem although the checks were cashed at XXXX  XXXX XXXX in New Jerseys but they dont want to be responsible I being trying to collect my {$2300.00} dollars but again they dont want to pay back my money!! 
Thank you for your help. 
XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: Nelnet, Inc.
State: CA

Complaint narrative:
Requested refund on XX/XX/25, and there is no update. I've tried calling and emailing numerous times, but I have not gotten updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: GA

Complaint narrative:
On XX/XX/22 at XXXX, I sent an email to Great Lakes loan servicer stating I want to request a $ XXXX refund on my student loans that I finished paying off last year. How do I get that process started? Thank you. I then called them around noon on XX/XX/22 to talk to a representative about the same thing. The representative told me that she had submitted my request for the ~ $ XXXX refund and said I would hear back in 30-45 days. On XX/XX/22, I received an email back from Great Lakes stating XXXX XXXX, Thank you for your email. 

Our records indicate that your concerns may have already been addressed after speaking with a representative. 

If you have additional questions or concerns, please do not hesitate to contact us. 

Sincerely, XXXX XXXX XXXX Department Great Lakes Educational Services , Inc.

So I assumed that they saw that I had already called about the same issue by the time they were able to respond to my email. It has been over 40 days since my original call on XX/XX/22, so I decided to call again to check on it. I called Great Lakes loan servicer around XXXX today and the representative said that she saw where my request was submitted over the phone but then they received my email and they interpreted my email as I want to cancel my refund. As you can clearly see, it does not say cancel anywhere, only that I want to get the refund process started. I then asked if they could resubmit my request and put me on a high priority list. They said they do not have a high priority list but they did resubmit my request and it will be another 30-60 days before I hear back. I should not be punished for their mistake of misinterpreting my email. They did not do anything extra to make things right with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am having a hard time believing that an investigation was done because there is still an account that was disputed in XXXX, and XXXX still reporting on my account. I have not received a notification stating that a dispute was opened which is odd. I am asking EXPERIAN, XXXX, AND XXXX to conduct a thorough investigation and update the following account to paid as agreed, never late per the CARES ACT. The account is 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 explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
Rocket Mortgage XX/XX/XXXX I attempted to refinance only to find out Rocket Mortgage submitted a forbearance loan in my name for XXXX I have never signed a forbearance loan of that amount 3 payments should have been put on my loan during covid. 

I filed bankruptcy XXXX, my attorneys assured me they had filed for the reconsideration for my mortgage after the bankruptcy they would start reporting again to the credit bureaus. Rocket Mortgage refused to report to the credit bureaus stating that my attorneys sent the reconsideration letter after the bankruptcy was completed, I had personally had my attorneys faxed a certified copy 5 times to Rocket Mortgage. 

I filed bankruptcy for the XXXX that Rocket Mortgage was asking for for foreclosure filing fees the put the amount back onto my mortgage payments. The worst of all this is I was just awarded a grant from AZ Mortgage Assistance Fund for XXXX send to Rocket Mortgage XX/XX/XXXX Rocket mortgage got the check and applied the funds to whatever they wanted and can't state why or what funds were applied too

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/2021 a credit card from XXXX  XXXX XXXX  was opened for XXXX dollars amd this was not me and now it is on my credit effecting me and I want it removed

Company response to consumer: Closed with explanation