vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citibank XXXX XXXX Credit Card statements for my credit card account ending in XXXX arrives every month and XXXX XXXX uses the company 's automatic billing system to pay our monthly statement balance. We've had this arrangement for many years, having been members since XXXX. We redeem rewards for automobile purchases. Recently, Citibank has experienced payment returns ( due to faulty automatic billing system processing ) and we have had to resolve this issue XXXX times within the past XXXX months. 

On XX/XX/XXXX, we made an automatic billing system payment to Citibank in the amount of {$2500.00}. On XX/XX/XXXX, Citibank issued a letter informing us that our payment was returned. The credit card account went into arrears. Citibank sent us an additional letter dated XX/XX/XXXX that our credit card acct is closed. Please help us to resolve. 

We made a payment today, XX/XX/XXXX, of {$2500.00} to bring the balance current. We would like the credit card account XXXX to be reopened. 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 2023-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Applied Data Finance, LLC
State: AL

Complaint narrative:
i am a XXXX. some one has been using my info fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Certegy Holdings, LLC
State: MI

Complaint narrative:
The main point is that XXXX XXXX XXXX in XXXX, MI have a freeze on my ACH transfers, credit reporting issues and check writing privileges. The VIP section of the casino will not authorize any of my winnings nor at other casinos. Under the fair XXXX the report 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 2023-07-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax continues to report incorrect information regarding XXXX on my credit report. According to the FCRA when I dispute anything, it's supposed to be removed. They NEVER remove what I am disputing and in fact are reporting incorrect information. They also stated they have conducted an investigation but has failed to produce anything with my signature or anything stating this account is a loan when it is NOT. I want this account removed from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: CA

Complaint narrative:
I am a natural person, I am a living human being, and I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Excessive Credit inquiries on my account that I did not give permission for. 
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 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 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 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 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 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 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 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 2023-07-18 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: Mercedes Benz Financial Services
State: IA

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: MOHELA
State: TX

Complaint narrative:
On XXXX XX/XX/2023, my federal student loans were discharged through the PSLF program. I was promised on that day that within XXXX to XXXX  days I would receive my final discharge letter. I am being required to show that letter for purposes that are really none of the business of MOHELA, my servicer. However, many of us who were discharged on that day have yet to receive that letter. I have filed numerous complaints through customer service at MOHELA. 

Prior to my leaving the country for a work trip, where I am still, away to this day, MOHELA called me, and promised me that that letter was on its way, being generated, and would be in my electronic inbox within XXXX to XXXX  days. That was in early XXXX. It is still not here, and every time that I write them, if I get any sort of response at all, which is about XXXX out of every XXXX letters, I get a canned bot type of response rather than a real human being actually understanding my question. My credit report is clear, and everything is showing that my loans have been discharged and paid in full. However, until I received this final letter from them, I am not cleared from the final place that I need to be on my end. This is a form letter that MOHELA generates, and I don't understand why they can not simply placed that letter in my inbox. I do not receive snail mail from them, as I have pointed out to them multiple times, since I am out of the country. It cost me every time I have to contact them while I am out of the country. And today I received another written response from them, after waiting about XXXX weeks to get any sort of response from my last XXXX emails, and this XXXX  said that somebody would try to call me. I do not even have cell phone service while I am out of the country, some thing I have told them at least XXXX times. This is entirely unacceptable. The only thing I want is that letter sent to my inbox as I was promised, around XXXX XXXX via phone call with a MOHELA agent. I will be escalating this complaint, even further, if you are unable to help me. The customer service of this federal contractor is entirely unacceptable, and, although I am only able to speak for myself. In this complaint, I assure you that I am not the only XXXX speaking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is not updating since XX/XX/2023, just trying to get them to update my balance/ credit limit. 

XXXX sent new cycle and information to TransUnion but still no update.

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 2023-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: VA

Complaint narrative:
My Lender has not removed PMI from my loan. I have perfect loan payment history and a good credit score. I have also made 3 additional principal payments to Guaranteed rate that put my XXXX at 75 %. I requested my Lender ( Guarenteed Rate ) remove my PMI under the Homeowners Protection Act ( HPA ) as my loan reached XXXX of 78 % in XX/XX/2023. My monthly mortgage still includes PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: FL

Complaint narrative:
I am reaching out to request the immediate deletion and removal of the following accounts and associated information from my consumer report. It is crucial that these accounts and details are not reported, as their inclusion constitutes a direct violation of the FDCPA and FCRA. This violation involves several laws and must be rectified by promptly removing these accounts and information from my consumer report. I insist on their immediate removal to ensure compliance with the relevant regulations. Please take immediate action to address this matter.

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 2023-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
In XXXX of XXXX Freedom Mortgage cancelled my online account for both of my mortgages with them. I have called repeatedly to get the issue resolved and customer service agents can not tell me why I can not get access to my account information and payment online. 
It started in XXXX XXXX when I notices that my login for my account was no longer active. 
I have had access to both accounts since XXXX. I have 2 accounts with them, the first account has been since XXXX and the second was since XXXX. I had no problem making my payments for both home thru the online portal. 
Here are the agents number and dates that I called to get resolution. 
XXXX XXXX - agent XXXX XXXX XXXX  XXXXca n't understand why account is not recognized XX/XX/XXXX -agent XXXX XXXX XXXX  - Said she would issue an IT ticket to resolve XX/XX/XXXX - Agent XXXX XXXX XXXX -does n't know why its not working XX/XX/XXXX -Agent # XXXX XXXX- doesn't know why is not working XX/XX/XXXX - AgenXXXX XXXX XXXX XXXX  Supervisor # XXXX XXXX -Supervisor says that they are having problems with Assumed Loans and that it would get fixed. 
XX/XX/XXXX Agent # XXXX XXXX XXXXNo idea why its still not workig XX/XX/XXXX Agent XXXX XXXX -Assumed Loans have no access online XX/XX/XXXX Agent # XXXX XXXX - Incorrect info give by agent about Assumed loans XX/XX/XXXX Agent # XXXX XXXX - Sent another IT ticket for resolution I have been told that my online account problem was due to my first loan being an Assumed Loan. But my second mortgage is not an Assumed Loan and I can not get access to it either. I have also been told that IT would look into it and no resolution has been made. 
The portal will not let me establish a new account because the portal says it doesn't recognize my account number or SSN or Names. Either for me or my husband.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I complied with a notarized letter to all three credit bureaus so that can report correctly.. 

What is the 15 USC 1635 right to rescind auto loan?

1635, allows obligors a no questions asked right to rescind certain consumer credit transactions within a proscribed time period. Where a lender has provided an obligor with proper disclosure of credit terms, the obligor shall have the right to rescind the transaction until midnight of the third business day.

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 2023-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated 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 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
XXXX sent my balance to collections. XXXX XXXX was supposed to cover the cost of that semester through the GI bill. I cant control what, when amd how the VA operates. The VA delayed notifying anybody that my benefits had been exhausted until well after the semseter ended. XXXX then attached an additional {$370.00}. Of interest. I explained it was not my faultamd i am having a financial hardship. They then proceeded to send it to collections DESPITE me making payments directly to the school. 

I spoke with a rep today and was informed that they the collections even though I am paying the school directly. Then what is the point of a collections agency if I am paying the school directly. The rep also OPENLY ADMITTED that they did not received anything from the school other than the INCORRECT balance owed. No info about my XXXX staus, no info on my contract with veteran affairs not info on my financial hardship. im paying the school 2-3 per month. CONSERVE needs to be removed they serve no purpose other than aggravation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-18 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
ive been with capital one since XXXX during the month of XX/XX/XXXX my brother XXXX XXXX which caused the payment to be late that month. After and before that tragic month I have always been on time with both accounts that are in the attachment below. Ive been with you all for more then years i hope your company can do the right thing. for the auto loan it happened XX/XX/XXXX after that no issues with it being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I recently requested to close my account at TD Bank due to several issues with the bank. Even closing my account has been a true nightmare. To close the account I need a XXXX balance, and requested to transfer the funds to my XXXX account. The original transfer for the XXXX transfers below were returned due to a fraud warning on my TD account which returned the funds back to TD Bank. TD Bank then said they would refuse acceptance of the funds which were returned and send it back to XXXX. However, XXXX has confirmed MULTIPLE times and has provided all necessary documents and confirmations and even ran tracers across all their accounts, and do not have these funds below. I have tried reaching out to TD numerous times unsuccessfully. 

Nobody is able to assist and they keep gearing me to the branch they say it was transferred to XXXX but XXXX is saying they don't have it and nothing appears in my account. TD has not done anything to look into this further and just keeps putting the blame on XXXX. 

Ironically, XXXX confirmed via email this is happening for several customers using TD but it appears TD either doesn't care or not following their own process. They can not tell me where my money is at and it's not a low sum as you can see below. 

The below amounts were allegedly refused by TD Bank and allegedly sent back to XXXX. However, only XXXX can prove it's not in my account and I don't even have access my account at TD Bank. 

XX/XX/XXXX, Transfer {$6000.00} Transfer {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America was charging me so many fees and holding my reward

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