vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Newrez mortgage. 
Ive had this loan since XXXX of XXXX. 
Recently they made a remark code stating i disputed the loan ..This is not true at all. 
I became va exempt in XXXX of XXXX since XXXX XXXX XXXX it has been filed with XXXX XXXX. 
Upon reaching out to newrez to fix my escrow i get tge run around. 
I have multiple complaints filed in regards to this issue and newrez is not doing anything but continue to tell me there working on it. 
The paperwork for va exemption was filed to newrez in XX/XX/XXXX. 

The account now states i no longer have a loan with newrez. 
This is extremely concerning. 
Not mention the remark that was made destroyed my credit and newrez is refusing any information in regards to why the remark was made. 
Im not late on payments nor have i defaulted in anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XX/XX/XXXX, XXXX XXXX XXXX XXXX issued me a credit card after I financed a vehicle through them. I have paid both accounts exemplary since the accounts were opened. On XX/XX/XXXX, the credit card account was closed without my knowledge. I only obtained this information when I called to make XXXX 's payment and was transferred to the collections department. Collection manager, XXXX, explained that the indirect lender manager, XXXX, closed the account, apparently due to XXXX and myself having a disagreement. To talk about my account, I have to talk to the collection department. I have never missed a payment or been late. Personal reasons should not be a professional reason to close my revolving account that is paid exemplary every month, which would continue to help build my credit. I have disputed this through the XXXX, in which i recieved an email from them stating that the dispute was closed due to not responding within 7 days of supposedly recieving XXXX XXXX XXXX XXXX 's response that they sent via mail. I never recieved that correspondence through the mail. This is extremely unprofessional and is negatively affecting my credit.

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 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I reached out to this company and filed a dispute for a account opened without my consent the company did there investigation and replied to me they spoke to a female which stated she opened the account and referenced me so they held me liable for someone else requested another dispute this investigation resulted that a plane ticket was purchased with the card but they never did a thorough investigation to see if the tickets were in my name just a transaction on the account my Credit Rights and Civil Rights are clearly being violated

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 2024-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/year> at XXXX I went to Chase Bank XXXX XXXX XXXX Minnesota I asked the teller she was a XXXX XXXX XXXX XXXX. If I could put a deposit into this account XXXXXXXX XXXX XXXX Account XXXX Chase Bank : Chase Bank XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX Texas XXXX This is not my acct it is the account That I put {$110000.00} dollars in since he had told me that he had found us a home we had to but it under name so his ex-wife wouldn't now I was moving there I really believe in this guy like 125 % believed in him if you heard all things he told me you would of believed in him too I know now I was a big XXXX to believe in him and I will never believe anyone on the net again I really need my money back so I can take him to the cleaners please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: FL

Complaint narrative:
I opened a XXXX XXXX Banking account. However I could not set up distributions into my own personal account - the web technology employed by the bank did not allow me to do that. I called customer service and XXXX explained that online distributions or ACH transfers are not permitted within the first 90 days of the account opening for " security and compliance '' reasons. She directed me to the disclosures page on https : //www.usbank.com/caas/digital-services-agreement.html but that page does not state the 90 day " freeze-out '' limit in the ACH section. When I pointed that out, XXXX informed me that it is her duty as a service technician to let me know it at the time of the call because the bank has the right to act within the limits of those disclosures. 

My concern is that I receive revenue monthly, I am a sole member of the XXXX, and need to make profit distributions to my own accounts. The information that, effectively, I can not use the account for 90 days in an efficient manner should be delivered to me in plain language at the time of account opening. Had I know that account were to be, effectively, unusable for the first 90 days, I would chose a different bank.

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 2024-05-15 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-05-15 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-05-15 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
This account was charged off on the following date ( XX/XX/2023 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX  XXXX XXXX XXXX  Account number 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 2024-05-15 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:
Account number XXXX XXXX XXXX Date opened XX/XX/2017 XXXX XXXX Has a delinquent account on my credit reports. I have never received any services and or goods from this company and is not responsible for this account because it was opened fraudulently without my consent.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I advised the company that they have reported my account a charge off effective XX/XX/XXXX when in fact I have a bankruptcy discharge effective XX/XX/XXXX. The company said they never received the notification of bankruptcy and asked me to email them proof of bankruptcy discharge and documents proving they are including in the bankruptcy discharge, and I immediately sent over the documents to no avail.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dispute documents where sent in XX/XX/2024, there has been no response. A 30 day demand to comply letter has been submitted, and there still been no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
Recieved email from PayPal saying a {$740.00} invoice has been generated under my wife 's account ( XXXX ). The email asks us to reach out to XXXX XXXX at XXXX XXXX WE BELIEVE THIS IS A SCAM ATTEMPT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Nelnet will not remove credit history. Student loan was transfered to XXXX and then later erased and closed through borrowers defense program. Although XXXX information is removed from credit report, Nelnet will not remove theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: KS

Complaint narrative:
Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their failure to provide me with the promotional bonus promised in their website. Despite meeting all the requirements specified in the promotional website page, I have not received the {$500.00} as offered by U.S. Bank. 

To provide a comprehensive overview of the situation, I have attached the relevant documents for your reference. Attachment 1 contains the current promotion website screenshot from U.S. Bank, which clearly outlines the terms and conditions of the promotion since I did not take a screen shot during the time and this promotion has been going on for a long time from last year. Attachment 2 is a website that records the history of signup bonus from US bank which also shows the promotion amount and period. ( XXXX XXXX XXXXXXXX ) Attachment 3 confirms that I opened my new account within the specified timeframe, well within the 30-day window.

Moreover, Attachment 4 displays my U.S. Bank transactions, demonstrating that I deposited an initial amount of {$100.00} on XX/XX/2024 and an additional {$10000.00} on XX/XX/2024, which exceed the minimum deposit requirement of {$10000.00}. Thereby satisfying all the eligibility criteria stated in the promotional offer. 

Despite my repeated attempts to contact U.S. Bank, I have not received any satisfactory resolution to this issue. I have reached out to their customer service representatives multiple times, providing them with all the necessary documentation and explaining the situation, but to no avail. It has been over 4 months since I fulfilled all the requirements, and the bonus has still not been credited to my account. 

I believe this failure to fulfill their promotional commitment is a violation of their terms and a breach of the agreement made between U.S. Bank and its customers. Such practices erode consumer trust and undermine the credibility of financial institutions. Therefore, I kindly request your intervention in resolving this matter and ensuring that U.S. Bank honors their promotional offer by promptly providing me with the promised {$500.00}. 

I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against U.S. Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation.

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 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My concern is about using Capital One credit card and its attitude toward customers. 

Without explanation Capital One locked my card and I am not able to use it for more than a month. Calls are not answered and no info provided by the bank. 

Also, Capital One keeps charging monthly fees and interest for the service that is not delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
This debt has been charged off. Which means that they already recouped the money via filing for the loss on their taxes. At that point, income can not be reported on a consumer report. I asked for the 1099c so I can file as well and haven't received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX XXXXn, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
I, XXXX XXXX assert my rights under the FDCPA and FCRA. My privacy, protected by 15 U.S.C. 1681 ( a ) ( 4 ), has been violated without my authorization as required by 15 U.S.C. 1681b ( 2 ). My credit card, as defined in 15 U.S.C. 1602, was used without consent & no benefit. Under 15 U.S.C. 1681s, your organization must act. XXXX, XXXX, and Experian have failed to maintain accurate data per 15 U.S.C. 1681i ( b ). Due to erroneous information and the transaction being no benefit to the consumer, I filed an identity theft report. As per 15 U.S.C. 1681c-2 ( e ), these inaccuracies must be removed within four days. Unauthorized use of my credit card, violating 15 U.S.C. 1602, provides me no benefit under 15 U.S.C. 1681s. This letter urgently requests the removal of these accounts from my credit report : 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 explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
About I guess a year maybe two ago Id purchased a vehicle and ended up. I did fall behind on some payments ended up basically with Covid and everything had some struggles and I therefore kind of got behind and was discussing it with the company into avoid any issues you know I said he will. Can we avoid a charge off if I just pay it off I was told yes that if you overnight the check to us then it will not be a charge off. It will be paid off and just show paid on your credit report however at this point it now shows charge off and it has been really hurting my credit. Ive tried to work something out with him to no avail and, I just really been a struggle moving forward in any capacity theyve been very difficult

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: NY

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 2024-05-15 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: NY

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 explanation