vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Incorrect personal information, specifically my address.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Incorrect personal information, specifically my address.

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 2023-11-29 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT AUTO LOAN HAD BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THIS AUTO LOAN UNDER MY NAME. THIS IS A FRAUDULENT AUTO LOAN. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS. BUT XXXX, XXXX, AND XXXX CREDIT REPORTING AGENCIES REFUSED TO BLOCK AND DELETE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPROT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Moving family including selling existing home and buying new home. XX/XX/XXXX called USAA to get information before opening an account, and explained I would be selling my existing home and buying a new home. USAA said the account would be fully available without limits once opened. After confirmation, we opened account and on XX/XX/XXXX wired assets from home sale into account. On XX/XX/XXXX, we attempted to wire money to purchase new home and was informed there was a 30-day hold on new accounts and they could not wire to title company. After escalation, USAA stated they would waive the policy, took the transfer information and stated the wire would be sent that day or first thing on XX/XX/XXXX. XX/XX/XXXX, day of closing, wire never went through. There was no notification or alert or transaction log. Called USAA and they said the wire was cancelled due to the 30 day hold on account. USAA states they can not wire the money, and according to their deposit agreement, maintains sole discretion of allowing or disallowing any transfers services. Without physical locations, I could not access my assets within my account. They also explained they would not electronically transfer money nor issue a certified cashiers or tellers check. There is no written documentation within USAA website or deposit agreement that describes a 30 day aging period on new accounts for transfer services. They just reserve the right to disallow you from using those services for whatever reason they believe is just.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have provided a police report a FTC report for fraud. At this point mentally Im not ok because of the defamation continuing. Ive asked for the Company not to report this and find the right person. Its a shame o have to do all this state law use fancy words. I only want this issue resolved. This is not my debt. Ive attached reports of fraud. I want bris account remove from my Report 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 non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I have a car loan with BMO Bank and on XX/XX/XXXX they pulled an extra {$340.00} car payment out of my bank account and when I called to ask why and get it cancelled they said I had set up recurring payments. I do not remember setting up recurring payments nor did it pop up a confirmation page if I did. On my BMO account page it had said my recurring payments were off, while multiple representatives claimed it was on. I was able to get a refund for the {$340.00} but my bank account had charged {$30.00} for an overdraft fee and I requested that BMO pay it and I was told they could not because it was an external bank. I had cancelled all of my pending recurring payments and turned off recurring payments. On XX/XX/XXXX, I had a pending transaction with my bank account for {$340.00} again and I called BMO again and they said I do not have recurring payments turned on but when I asked why it came out then I was transferred to a supervisor who told me that I did have my recurring payments turned on but when I had cancelled it before, it didnt cancel this one for some reason. I was told that they cancelled this pending transaction but it still pulled it from my bank account and shows in process back from XX/XX/XXXX. When I logged into BMO bank to cancel this transaction like we had done last time, my account was locked. I could not cancel this transaction or do anything with my account. This was without warning. I called and they said it would clear when my latest payment posted but they couldnt cancel it. I called again and got a different representative and was told that they COULD take care of it and when I logged in, I was able to check my account as normal. I was told I would have my money back by today XX/XX/XXXX in my bank account. As of XXXX I still do not have it back in my account. I called them around XXXX on XX/XX/XXXX and I was told that it was still pending so they are not able to refund it and I said its pulled from my bank account so how is it still pending. I was told it just is. I asked to be transferred to a supervisor as I was told I would be getting my money back today and the representative hung up on me. I have rent that is due at the end of day tomorrow that I will not have because they have not pulled my rent money from my account against my will and will not even correct the issue or apologize.

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 2023-11-29 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: GA

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/2023, I was the victim of identity theft. I learned that someone had opened a BestBuy credit card through CitiBank in my name without my authorization. This person made a single purchase at BestBuy with this new card. As soon as I learned of the purchase, I called BestBuy to report the fraud and close the account. I then called CitiBank to make the same report. I opened a fraud claim and created a PIN. I also created a fraud alert with the credit reporting agencies. I also filed an identity theft claim with the FTC, reference # XXXX. 

On XX/XX/XXXX, I again called BestBuy because I was still receiving emails from BestBuy about my account. I spoke with a customer care agent, and the agent " successfully sent an account closing request. '' On XX/XX/, I initiated a chat with BestBuy because I was still receiving bills and account statements. The person I chatted with assured me that the card had been cancelled and would not be sent to collections. However, I continued to receive bills from CitiBank. 

However, I continued to receive bills and calls from CitiBank about this debt. Whenever I answered the call, I was informed that the person calling about the debt could not access or do anything about the fraud claim. So on XXXX XXXX XXXX, I called CitiBank consumer protection. I spoke with someone named XXXX. She told me that this account showed a " confirmed active fraud claim '' and assured me that I would receive a letter in the mail to that effect. I was also told that it would not be sent to collections. 

One month later, the calls and letters from CitiBank continue. One week ago, I received a letter in the mail indicating that the account would be sent to collections. Feeling out of options and dismayed by CitiBank 's inability to facilitate communications between its consumer protection unit and its collection unit, I have turned to the CFPB. I continue to suffer from CitiBank 's intransigence. On XX/XX/XXXX, my credit score was XXXX. Today, it still records a " late '' debt that was due to fraud and my credit score is 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 2023-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting an account on my credit report that has not been verified. The account is XXXX XXXX XXXX. The collection agency was sent a debt validation letter in XXXX and I also submitted a CFPB complaint. The company failed to provide proof of the alleged debt. XXXX and XXXX have since removed the account from my credit report. I am demanding that XXXX remove this account from my credit report within 3 days for negligence, violation of the FCRA, and defamation of character. I will be moving forward with filing a statement of claim against your company if this account is not deleted.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 2023-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Initially received a letter saying account hasn't been paid since XX/XX/XXXX  and with a {$500.00} larger monthly mortage. I called them to verify as have receipts of on-time payments. Get sent through the loops of transfers as they can verify me for the account for a week. They finally verify me and explains payments have been refused for partial payments and they will cancel the checks and apply to the balance. I am transferred to insurance where XXXX helps explain I haven't had insurance and needed to remedy it. I explain I wasn't notified but will try to fix it. I ask as I did not know of this issue if there were any way to appeal the fees and ask for financial assistance. I am told to submit in the documents and so the next day I submit in the new insurance documents. I am told to call back as documents will take time to process. I call back and they state documents needs to be resubmitted. I explain I am closing to the deadline and if there were anything to extend the deadline or prioritize my case. I am told to resubmit and call back later. I call back a few days later and they received the documents but will take 10 days to process. I explain that would overlap the deadline. They transfer me to a different department and this department states I am in the wrong department. I am 4 days away from being foreclosed and am stressed out. 

I have wasted multiple days off work to try to resolve this issue to only just be told to call a different department ( without assurance they'll help ). Fifth Third bank needs an open complaint portal so customers can report bad practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I have been paying my student loans for XXXX  years and I am on a repayment plan of a total of 20 years then they will be discharged/forgiven. My student loans have been paid to Federal Student Aid ( FSA ) since XXXX  ( XXXX  years ) and they were transferred over to NELNET. I have asked Nelnet 3 times ( once on the phone after waiting on hold for XXXX hours and twice by emailing them on their message portal on their website ) to provide me with a breakdown of my payment history of XXXX  years and they will not. They refuse and I am worried that my XXXX  years of repayments will not be counted towards my 20 year forgiveness and will be lost. I called FSA and they told me to file a complaint against Nelnet, which I did. Nelnet sent me a document that was incorrect. I need payment history of XXXX  years that is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

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 2023-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am on social security and the company was aware of this I get paid once a month at the XXXX wed of every month and again original company SunTrust well they were all aware of this. SunTrust sold the company to Truist. I had a fha loan to keep my payment of XXXX approximately the new company raised my bill to XXXX dollars Sun Trust knew that i did not get paid till the end of the month and they added late charges i spoke with them a while ago i wanted my payment date moved but nothing was done. I have tried to pay my bill for the last 2 months and they refused to accept it so now i am 5 months behind because of it. My loan investor they are trying to give me is XXXX XXXX!! federal housing Administration. i was having no problem paying the mortgage `till they took it up XXXX dollars and my grandson left and he was paying the XXXX XXXX XXXX which runs XXXX a month.so as you can see a bit of money added to my financial stress I do not want to lose my home so i definitely have a financial hardship would i be eligible for any assistant from the state of federal government i spoke to someone from Community and they told me because i had to put my son and daughter in law into the application. They do live with me and they pay my cable bill but there is no other financial aid from them they have their own life here. I do have custody of my XXXX great grand children Truist denied my request so where do i go know and what can I do to save my home my balance on the house is XXXX with a mature date of XXXX XXXX the new principal would XXXX this includes my insurance also and taxes I do not want to sign the disclosure that they sent me because it would take my payment out I will be dead/ they also want me to pay not sure of the correct amount but is is about XXXX dollars now if i had this kind of money for a down payment don't you think i would have paid my bill and not even need this. All if looks like to me they are setting up for a foreclosures when i die so they can take the house back after i have paid on it so many as you can see i need help please let me knowif anything can be down ' 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 explanation
Consumer complaint received 2023-11-29 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: AR

Complaint narrative:
My Mohela student loan accounts were placed on administrative forbearance in late XXXX. I was not informed why. I looked it up and found this website https : XXXXXXXX which explains why I was placed on administrative forbearance but also states that interest accrued during this forbearance should be zeroed. I then received a letter from Mohela about a week later stated that I was placed on administrative forbearance, but it still didn't explain why. The letter specifically states that " daily interest continues to accrue '' during the forbearance. 

In addition to this, because I was placed on forbearance, my auto payments were cancelled which caused my interest rates to increase by 0.25 % on all of my loans. I emailed Mohela through the secure messaging platform on their website in XXXX XXXX XXXX XXXX XXXX. I have yet to hear back from them at all. I tried to call at some point too but the wait time was over 2 hours. I have significant student loans through Mohela so the interest accrued during this time is at least {$1700.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I called Huntington Bank today to close my account but they refused to close it saying I must visit a branch. I do all of my banking online. It is unreasonable for Huntington to require me to appear in a branch to close a checking account.

Company response to consumer: Closed with non-monetary relief