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 with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was charged on XX/XX/XXXX, {$230.00} XXXX XXXXXXXX XXXX, I was notified by AMEX through a text and immediately of potential fraud. I told them I did NOT make this charge and they assured me the charge was declined. Now I was charged and It was 100 % unauthorized.

Company response to consumer: Closed with 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: FL

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My credit report that is being reflected is currently not Metro 2 compliant. Enclosed to this complaint are files that outline the inconsistencies in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My wife and I have been separated for a few years. During our separation she opened up credit cards using my name and social security number without my knowledge or consent. She passed away and I am now discovering these credit cards. I do not have the money to pay these cards and they are not mine to pay. I have called and notified these credit card companies and after a very short investigation they are stating that I opened up these cards.

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

Complaint narrative:
I received a notice in the mail about an alleged credit card from LVNV Funding LLC on XX/XX/XXXX. I immediately emailed them the same day and requested : their legally authority to collect an alleged debt without my knowledge or consent, the original contract between me and the original creditor showing where I agreed to the assignment of the debt, the original contract between me and LVNV Funding LLC with my wet signature, provide me with a verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service, Provide me with an affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA, and the original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement. 

They ignored these direct request several times. All they sent me was account statements from a credit card bill which isn't proof I owe a debt. I responded to them stating they didn't provide me with the requested documents and since they dont have them to cease and desist all collection activities. They ignored that request and has added this alleged debt to all 3 credit reports XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Co-signed on a private student loan for my sister in 2003 have made every minimum payment for 20 years and the balance is still higher than when we originally took the loan out.

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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
The mortgage company Rightpath, finally updated my account and I have been unable to reach the attorney they hired to start foreclosure on my home, XXXX XXXXXXXX. I have left at least XXXX messages to stop this foreclosure with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
There no debts owned to the provider XXXX under account number XXXX for my son XXXX XXXX XXXX Attachment with XXXX ( XXXX  ) BALANCE can be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
This company has a collection that is not mine that is reporting on my credit report. However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX This is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I was awarded {$7500.00} from XXXX, the Pennsylvania XXXX XXXX XXXX XXXXXXXX under a program called the XXXX XXXXXXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX It was meant to help pay for student loan balances for XXXX  who worked for nonprofit organizations during the XXXX XXXX. XXXX sent the funds to my student loan servicer, Nelnet, in XX/XX/XXXX via electronic funds transfer. Nelnet has not credited my account with the funds despite me calling them many times. I have been told many stories. First they told me that there was no account number attatched to the funds and that they would have to wait 30 days to make sure noone else claimed it. The 30 days passed and when I called multiple times to see why they still haven't credited me, they said on multiple calls that they are just behind and that's just how long its going to take. I called XXXX last week on XX/XX/XXXX, to see if I could get additional information or if they could intervene. They said that Nelnet sent the money back to them and that they can only send it back to Nelnet if Nelnet requests it. I called Nelnet and asked them why they sent the money intended to be applied to my loan back to XXXX, especially when they knew that I had been calling about it. They did not have any answers. They put me through to XXXX in resolutions who said that he would file an investigation. I keep calling and they still have no answers and the money has not been applied to my loan balance.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached a letter from my attorney and an FTC report with the account in questions, this XXXX XXXX XXXX XXXX  account is in litigation and needs to be deleted from all three of my credit reports

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached a letter from my attorney and an FTC report with the account in questions, this XXXX XXXX XXXX XXXX account is in litigation and needs to be deleted from all three of my credit reports

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: AUTOMOTIVE CREDIT CORPORATION
State: FL

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 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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened a new bank account in XX/XX/2023 with Citizens Bank. The bank teller, XXXX XXXX XXXX has proven she is unfit to handle money. 

OnXX/XX/2023 I made a cash deposit of {$600.00}. Before I left I checked the receipt and noticed it was not deposited into the correct bank account. She put my money into a complete stranger 's account. At first she questioned if I knew my account number and didn't want to admit her mistake. I got the manager involved and he fixed the problem and was able to reverse the money back into my account. 

Also, on XX/XX/ she missed place {$100.00} of my deposit. Every time ideal with this teller she losses my money. She tries to tell me that she balanced the books, and I'm wondering if she's pocketing my money or if she's putting it somewhere else and somebody else 's account again. Unfortunately for me, when I left the bank I had a doctor 's appointment to run too and I did not catch her error until after the bank was closed. 

This {$100.00} was for my business account as a nonprofit founder. These were donations, not my personal money. This money is meant to pay my bills so I can continue to help other veterans. And, XXXX XXXX misplaced XXXX funds. The amount I deposited was {$590.00} ( one check for {$200.00}, XXXX XXXX {$100.00}, XXXX XXXX  {$20.00}, XXXX XXXX {$5.00}, XXXX XXXX {$1.00} XXXX {$590.00} ). If needed, I can provide a list of donor 's names and the event information where these donations were collected.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached a letter from my attorney and an FTC report with the account in questions, this XXXX XXXX XXXX XXXX account is in litigation and needs to be deleted from all three of my credit reports

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a business credit card with Bank of America. I paid the credit card balance using Bank of America Checking account. After payment the whole balance was paid and there was a credit balance on the credit card. Without letting me know Bank of America has put a hold on the payment, though it has already cleared the account. XXXX days after making the payment I had to Call the Bank to have the hold removed. 
No reason for the hold was given.

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: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America opened a fake account without my consent on XX/XX/. I have to make many calls and trips to branch office to get it closed. At first I thought it was because of identity theft and I have to close down all accounts with BOA and freeze my credit with the bureaus. It was until recently that I learned from the news that BOA was sued for opening fake accounts and trying to charge fees. I am the victim of BOA 's sneaky act and please urge BOA to compensate me for the damage. 
Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Amazon closed my account several months ago. Before I had payments drafted automatically and then had it stopped once account was closed without even consulting me. I had never had a problem paying my account however I have made payments consecutively since XX/XX/2023 and they are saying I am delinquent when I am not. This month I paid late because of what they were doing with my account trying to resolve it. I am enclosing all payments since XXXX up to last month and I just paid today XXXX. My account is closed and my balance has increased instead of reducing when they are no purchases on my account. Can you please look into this matter for me because speaking to their reps amounts to nothing. Thank you very much

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 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: TOWNE MORTGAGE COMPANY
State: OH

Complaint narrative:
I sold my home XX/XX/XXXX. XX/XX/XXXX XXXX, XXXX, and XXXX remarks says I closed my account and dropped points. The three credit bureaus status changed to " settled for less '' and dropped my XXXX XXXX XXXX points on each bureau. I contacted the creditor Towne Mortgage, they stated " We sent paperwork showing you paid your mortgage in full ''. I contacted The three credit bureaus and explained that I sold a house and it is PAID IN FULL. I did not settle for less but My credit score keeps dropping. XX/XX/XXXX I spoke with all credit bureaus they all said Towne Mortgage updated the remarks in my credit file and stated I settled for less and closed the account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
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: United PanAm Financial Corp.
State: FL

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 2023-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I have multiple cards with this company, while I have been making payments ON TIME, they have been decreasing my credit limit EVERYTIME I make headway on paying them off to help my credit score, with this happening they are increasing my utilization and making my score even WORSE everytime they do this, I have a XXXX, XXXX XXXX and also a XXXX card and they have done this to ALL of them several time and they have also say it was because of credit issues, how can I make this better if they are activley working to mak the situation worse, also NONE of my other account have had this issue from other leanders how can they be the only one.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I opened and account with XXXX XXXX - XXXX in XXXX of XXXX. I had an account with them until XXXX of XXXX. I owed and outstanding balance of XXXX which I paid in full on XXXX of XXXX. After full payment the account still remains as open and delinquent. This delinquency is giving me a negative impact on the credit report. I have called the lender, XXXX XXXX XXXX at XXXX ( XXXX ) XXXX, since the account was suppose to be closed. They stated there was nothing they could do and wait until the negative mark goes off the report. It has been 3 years and the charge still shows.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/2023 I responded to Alliant Credit Union 's XXXX promotion to open new acts, meet state requirements, and earn {$400.00} in awards. Requirements were simple and clearly stated as shown in attachment. After meeting all requirements, XXXX only paid out a partial award ( {$300.00} of {$400.00} ). On XX/XX/2023 when I inquired about this discrepancy their representative stated a new, previously undisclosed, requirement for electronic deposits into the checking acct. It is not fair to change the requirements after the fact, and for this reason I am filing this dispute.

Company response to consumer: Closed with monetary relief