vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Someone decided that I should be paperless. This was the start of this issue. I did not receive a bill as I pay my bills upon receipt. Have a XXXX credit score. Company sent me E mail that bill was late and fined me {$40.00} late fee for a {$80.00} bill. I ask them to waive late fee? I paid the account in full as soon as I was aware of this bill on XX/XX/23 Check # XXXX {$210.00}. As of today a check with my bank reveals payment has not been accredited to my account and now they threaten too contact crrdit bureau.I have neve eve been late on any bill..As soon as this credit card has a XXXX balance I will close this account based on their poor handling of my account. When I retired XX/XX/23 the Governor of Virginia wrote me a letter of congratulations. I always pay my bills own 4 houses ( beach house ) mortgage free and do not appreciate being treated this way. Please take action as I am sure others are getting same treatment. Our mail service is terrible get mail XXXX XXXX, other peoples mail no mail etc. ans holidays may have contributed to this payment???? They should look at all factors payment history etc before threats are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Viking Client Services
State: CO

Complaint narrative:
Between XXXX XXXX XXXX and XXXX XXXX XXXX i was traveling in california with my family on the highway. i had rented a car from XXXX policy XXXX and on our way to XXXX XXXX we were rear ended on the passenger right side and the driver backed up and took off. I am a below XXXX XXXX and could not get out of care fast enough to gather license plate info. XXXX XXXX from the insurance would not explain or help me get this claim filed. XXXX constanstly called while i was at work and then pushed the claim through.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I noticed this collection on my credit report that I did not authorize, it was fraudulently and inaccurate reported..Account name XXXX XXXX account XXXX XXXX. I also asked for a thorough investigation for this matter and to send me original documents with my signature signed by me stating I own this collection from the original creditor.. NOTHING WAS DONE OR CHANGED ON MY CREDIT REPORT BUT NOTED IT WAS ACCURATE WHICH CAN NOT BE. I DON'T PERMIT THIS ACCOUNT ON MY CREDIT REPORT AND I WANT THIS ACCOUNT XXXX XXXX Account Number # XXXX DELETED IMMEDIATELY.

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 2024-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
This complaint is about my XXXX XXXX loans with Nelnet.. The amount of the payment is not taking into consideration the High Cost of Living and paying other bills. Interest is climbing faster than I will ever be able to pay off. I am not getting any assistance from Nelnet to resolve the issue. My wife 's income is being calculated when trying to refinance, or consolidate. She is not my daughter 's mother and was not in my life when the student loans were taken out. I would like these loans to take into consideration all these factors and have the payments and/or interest reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MA

Complaint narrative:
Due to fraudulent activities at the XXXX XXXX location ( XXXXXXXX XXXX XXXX XXXX MD  XXXX ), my name was populated and I have recieved notices of delinquesnt account. Upon contacting XXXX XXXX customer service in XXXX, 2023 I was informed that there is no account under my name in their system, also there is not such account at all ( XXXX ). Last week I have recieved a notice from collection agency for the same account. Address of the collection agency states XXXX XXXX XXXX in XXXX XXXXXXXX MN. 

I believe this is a scam that attempts to recover funds from older people.

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 2024-01-03 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: Experian Information Solutions Inc.
State: TX

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. I told Experian reinvestigate these Hard Inquiry : However, they stated everything was complete and accurate. 

XXXX XXXX- XX/XX/2023 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I was a customer of Bank of America since XXXX and I was gold preferred member of the company. 
In XXXX XXXX the bank close my account without any notification, I was in XXXX with some friends and I couldn't pay my bill at the restaurant because that one the only account that I had. 
Also in XXXX I opened a company for student transportation and because at the moment I didn't had a business bank account ( it was taken a while ) the students started to send me money through XXXX, I have all the receipts for them. 
They blocked my account in XXXX XXXX and they finally close my account on XXXX XXXX and they reported me to XXXX XXXX XXXX. 
I requested the XXXX XXXX XXXX, the consumer report and didn't show any fraudulent transaction but they close my account under suspicious activity. All that is showed there are the direct deposit from my employers

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 monetary relief
Consumer complaint received 2024-01-03 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: CA

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.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: MI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am seeking assistance regarding an issue with Trust Bank concerning my Business Checking Account. Initially, upon opening the account online, Trust Bank did not provide essential account materials such as a welcome packet or a Deposit Agreement. Additionally, there was no option offered to order a debit card, nor was one sent automatically with the account opening.

Furthermore, Trust Bank advertised a policy of no Overdraft Fees, but this was misleading as it applied only to specific accounts, a detail not clarified in the promotions. The absence of initial account documentation left me uninformed about key aspects like transaction processing and posting times, which are crucial for managing the account effectively. 

During the XXXXXXXX XXXX XXXX holiday, a transaction resulted in an Overdraft Fee being charged to my account. On XX/XX/2024, I contacted Trust Bank for clarification. The explanation provided by the representative was unsatisfactory, as it did not adequately address my questions about transaction statuses and processing policies. It seemed to be her interpretation rather than a clear representation of written policy. 

XXXX XXXX XXXX XXXX XXXX  XXXX, I face challenges in fully grasping verbal explanations. I requested a waiver of the overdraft fee, considering my unfamiliarity with the bank 's processes and the lack of written materials to reference. Unfortunately, my request was denied, and the representative was unable to provide a specific reason for this denial, offering only general contributing factors. 

I am experiencing considerable frustration due to Truist Bank 's failure to send written information regarding my account via mail. This oversight has significantly impacted my ability to make informed decisions about managing my transactions. For instance, had I received the necessary documentation, I could have determined whether to use my business or personal account for specific expenses. Providing customers with the essential tools and information to manage their accounts effectively is a fundamental responsibility of a bank, and in this case, it feels like this responsibility has not been met. This situation could have been easily avoided if Truist had adhered to basic customer service practices and ensured that I, as a customer, was properly equipped with all relevant account information.

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I write to you in regards to way Bank of America has purposely tried to illegally charge me the wrong interest on a large purchase that I did with my Bank of America credit card. 
I made this purchase with the intent of paying it off within a 4 month period and I did realize that would be interest that would accrue but the fact that Bank of America has tried to charge more interest than the true balances reflected, is why Bank of America continues to get fined for screwing over its customers base and makes headlines in the news everywhere. 


SEE 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 explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I had autopay set up with my Citizens Bank mortgage. The payment was supposed to go through on XX/XX/XXXX, but because that was a bank holiday, it went through on the XXXX. However as of XX/XX/XXXX, the account was only updated as of XX/XX/XXXX. The website told me that I was one day late on a payment, and so I immediately made a manual payment, thinking that autopay had not worked. However, it had and I had made an additional payment, which I now will not be able to get back quickly. 

The website gave me false information. It should not have informed me that I was one day late on a payment if autopay was set up. This was a failure in website design which gave inaccurate information that was relevant to my financial wellbeing. As a result, I will be out over {$3400.00} this month and will struggle to make my other expenses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I do not owe this debt. I was not notified of this debt. The creditor had my address when I moved ( I am 1000 % sure I gave it to them ), yet the debtor quoted my old address when I called. I did not receive anything in the mail, so I had no time to dispute. I saw this on my credit report. I want this deleted from ALL 3 Credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
XXXX XXXX set up payments with me to pay off the account. The last communication was on XX/XX/2023 in which they accepted a payment. I asked if I had to call in every 2 weeks to make the payment and was advised " yes because of the way the account was set up ''. At no time did they notify me that the account was being sent to collections. Additionally, I never received any notification in writing. 

After accepting the payment on XX/XX/2023 my credit was flagged on XX/XX/2023. The account is paid in full. I requested a payoff letter which they advised I would receive and I have not received it. I also requested for a good will deletion from my credit report under the basis that XXXX NEVER indicated this account was being sent to collections Instead, they set up payments, accepted them then did a bait and switch thus ruining my credit. 

As a long time customer is very disturbing that XXXX would deceive a consumer in this manner. The representative could have very well been honest about the account on XX/XX/2023, instead they withheld information that could have been corrected that day. 

I am requesting that this negative impact be removed from ALL 3 credit reporting agencies immediately. 

I am unable to send any documentation with this complaint because XXXX never sent anything in writing. I only have my bank statement where they were paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX informed me that my information such as drivers number, address, email password and social security number was on the dark web. I checked my credit report and seen {$610.00} bill from XXXX and I've never used the service in my life. Im not sure who or how they got my identification but it was done in a fraudulent manner and this is affecting my life and my ability to get a apartment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: ND

Complaint narrative:
I made a principal payment of over {$5000.00} to try and payoff my mortgage faster. Loan Care never applied the money to my principal and doesnt know where the money is. It was drafted out of my checking account. Loan Care has no idea of where the money is. 
Additionally, My regular mortgage auto draft payment of over {$3000.00} was also drafted out of my checking account but again was never applied to my monthly mortgage payment. Loan Care has been fraudulently charging me NSF fees in the total amount of {$200.00} even though I have been trying everything I can think of to pay them. Its seems they are purposely not accepting my payments in order to charge me late fees and NSF charges. 
Loan Care has no direct phone numbers to their mangers for me to try and get their help to sort this out. Please help!

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been having issues with Equifax reporting my score. I have been denied applications because the credit score cant be pulled from Equifax. I called several times to have this issue fixed and it continues to happen. I can not access it on the website or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was doing An investigation of my credit a short while ago and was riddled with panic upon seeing a number of blunders. It is clear to me the information being reported was not wholly accurate. I need this corrected as I am needing a new card and these errors are making it nearly impossible at a fair rate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: MOHELA
State: TX

Complaint narrative:
My student loan payments are missing on the XXXX website. I have been in repayment from XXXX and many of those years are missing, due to the fact one of the loan servicer is no longer a loan servicer. Fortunately the loan servicer who took my loans over has most of their records. I need these payments counted so that I can complete the PSLF, I have been employed from XXXX to present with more than 10 years of service to complete the requirement of the loan forgiveness program. I have my current servicer response but until XXXX signs off on the count nothing will happen. They are not helpful and I know they are overwhelmed but I have the documentation needed. I did a complaint in XXXX of XXXX and they said records are correct. Since then I did receive my records from XXXX and XXXX ( attached ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Account Details Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX  48 % {$1400.00} XX/XX/XXXX XX/XX/XXXX {$3000.00} - {$1400.00} {$1400.00} - Individual Inquiries XXXX XXXX XXXX Inquired on On record until XXXXXXXX XXXX XXXXXXXX Inquired on On record until XXXX XXXX Inquired on On record until XXXX > XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX CARD Inquired on On record until XXXX Inquired on On record until XXXX Inquired on On record until XXXX XXXX NA Inquired on On record until XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX RESIDENT VERIFY Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on On record XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX OF XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX I ask that alll these inquires be removed from my credit profile as this is a defamation of my character and not allowing me to get new credit or home loans thanks 30 days from this day I will need information about this matter or I will be forced to sue!

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