vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I've had a problem for months with Equifax in that I can no longer access my online information through Equifax or XXXX XXXX XXXX app. I've called numerous time and been instructed to change my password but that's the problem, I can't change it, I've lost total access to my account and need to speak to a tech person. I was told 4 weeks ago a ticket was put in for me and someone would phone but they haven't. If I can't get help from you and Equifax, I'll be filing a complaint with my state attorney generals office. This is ridiculous. Equifax is withholding access to my account and you are not helping. There is something seriously wrong with the information on the Equifax account, I believe it is related to a previous email and phone number I lost access to due to a scam. Someone has to help me!!! Best time to call me is any day after XXXXXXXX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I applied for a checking account with Navy Federal because I qualify due to my roommate. 

Navy Federal has yet to approve my application, I have submitted all of the requested documentation and still have yet to be issued a debit card or account number for my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: CT

Complaint narrative:
XXXX XXXX I received a vanilla gift card with the value of {$100.00} for a housewarming gift. When I open the card from the package, it was missing many numbers. I called vanilla gift card last week and told them of the issue. They proceeded to tell me that my card was damaged and they would send me a new one. Today XX/XX/2023. I received the replacement card in the mail with a XXXX balance, I called vanilla gift card and explained to them that the card that was sent to me had XXXX balance. She told me that the card had been used in XXXX. I proceeded to let her know that I have never used the card as it was missing numbers in the first place, I also mentioned to her that I have been looking on the Internet and there is a scam associated with vanilla gift cards, where they are selling cards with missing numbers in retail stores and manufacturers, keep the number so that they can later use them .I was never able to use my XXXX dollar vanilla gift card and I dont have the receipt as it was a gift. Vanilla gift card has not done anything to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Data Mortgage Inc.
State: FL

Complaint narrative:
My loan was transferred to Essex Mortgage shortly after we closed on our home. I have been trying to contact XXXX to get information on my mortgage loan and their phone number is a joke. Every time I call, their auto receptionist asks me of I want to wait on hold or request a callback. Neither option yields any results. When I select the option to wait on hold, I am transferred to a survey to asks about my experience with the rep I just spoke with. The only issue is I never get a chance to speak to a rep. When I select the option to get a callback, the callback never comes. I need answers on my mortage loan and the servicer is no where to be found. This is extremely unprofessional and I don't like having my home in their hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: 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 XXXXXXXX has violated my rights. Or 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 2023-09-01 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: 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 XXXXXXXX has violated my rights. Or 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 explanation
Consumer complaint received 2023-09-01 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. 

Tracking Numbers- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name -Navy Federal Account Number - XXXX Account Name - Navy Federal Account Number - XXXX  Account Name - XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

XXXX Account Name - Navy Federal Account Number XXXX Account Name - XXXX XXXX Account Number XXXX, has violated my rights. 

XXXX Account Name - XXXX XXXX  Account Number - XXXX Account Name - XXXX XXXX XXXX Account Number - XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish any account without my written consent. 

15 USC 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency can 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 USC 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
I just want to start off this complaint just reiterating that this is a complaint against ELAVON in conjunction with US Bank. There was a promotion that was offered to me that was not fulfilled. 

I am writing to you on the behalf of a recent Complaint I filed against US Bank via CFPB regarding my issue with a promotion when opening a new bank account back in XX/XX/2023. I had signed up originally for a US Bank Silver Business Checking Account with XXXX XXXX Checking + Merchant Offer with code : XXXX. This offer was explicitly advertised by US Bank and I was walked through setting up my account with a XXXX of US Bank where he verified every single painstaking detail question I had in order to qualify for both promotions as part of this offer. 

The promotion entitled me to a {$500.00} bonus after 60 days depositing and maintaining a {$3000.00} balance, and this part of the promotion DID get deposited into my account on XX/XX/2023. So, that part of the promotion did successfully get to me. However, the second part of this promotion entitled me to a {$600.00} bonus on top for opening a Payment Processing Account through Elavon and making a transaction of at least {$50.00} deposited into the same Silver Checking Account. This I did not receive and US Bank responded to my complaint claiming that there was no {$600.00} promotion for this. Wellthere was and there is and I specifically signed up for US Banks accounts with this in mind because I was making a business decision and trying to choose a new payment processing solution anyway. 

US Bank claims to not know of the promotion, but is attached to this complaint and this version of it was actually sent to me by an agent explaining that according to records I DO qualify for the bonus and it should be deposited into my account. It has not been.

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 2023-09-01 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Santander has illegally and effectively excluded myself and countless others from the multistate XXXX XXXX dollar settlement. I know this because there is a whole XXXX group concerning, and based on the filings, the information in the settlement administrators website I should have been included. They never submitted a proof of income to Santander to be sure I could afford the car loan. Which I could not making XXXX dollars an hour working XXXX hours a week. Since XXXX didnt take my check stubs of which I tried to provide, I am eligible. XXXX also coerced me into agreeing to its ancillary products that didnt cover what it should have. I know I had an internal score and I know the loan was in default at the end of XXXX. I have been complaining about Santander since XXXX when I realized they were applying my payments incorrectly. There was a time I was told I could put two months to the back of the loan ONE TIME and I did since the car was in repossession status, but since they knew they were under fire they allowed customers to put two payments to the back of the loan numerous times, failing to inform me that I would be paying interest in the same amount twice, and also that this two months to the back of the loan adds extra money to the principal. When I heard about the settlement I called and tried to enact the arbitration clause, they refused. I then sent a letter of compromise that read I would pay the value of the car at that time just to be done with them in lieu of the settlement. They also refused. Since that time they have reopened the account closed in XXXX eight times, they report late or missed payments, then close it again even though they know that I have told them Im not paying them anymore money due to the settlement. They consistently and illegally report lies to all four credit reporting bureaus to effectively drop my credit score. It never fails. I have reached out to them regarding and provided proof of the consent agreement filed with the courts concerning. They try and repossess the car at all times during the night even though I rightfully own it. I have paid XXXX in interest on a XXXX XXXX from XX/XX/XXXX to XXXX of XXXX. None of my payments went to the principal amount due to their scheme. There were times I couldnt afford to feed my kids from trying to pay for a car that they just kept adding all these fees to the amount already owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My credit report has delinquent marks on my account while mortgage relief applications during the COVID-19 pandemic were being processed and I have been approved for {$23000.00} + and Mr. Cooper received funds. I am searching for other options but I am told about the info and I can't be helped at this time. Originally My mortgage {$860.00} has never missed or late payments XXXX and I personally pay my property taxes, insurance and HOA. COVID-19 pandemic my payment became delinquent property taxes and while my XXXX was in final review my lender paid the taxes so I was disqualified and application had to be cancelled and caused me to be in shortage {$1900.00} plus more fees. My payment is now {$1200.00} and I get foreclosure in 30 days I receive {$1600.00} XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
I applied with the Department of Education to switch from the PAYE IDR plan to the SAVE IDR plan on XX/XX/2023 via their online system ( see IncomeDrivenRepaymentApplication.pdf ). MOHELA confirmed they received the documents on XX/XX/2023 ( see MOHELA cancelled IDR app XXXX ). As repayment is quickly approaching, I wanted to check the status of my IDR application, so I called MOHELA on XX/XX/2023 at approx. XXXX XXXX. The automated system told me that I would receive an update on my pending IDR application within 14 business days. On the morning of XX/XX/XXXX, I received an email letting me know I had correspondence in my online account ( see Correspondence Processing Delay ). Upon logging in, I was able to view the new correspondence, which was actually a letter dated XX/XX/2023 stating that my request would take an additional 90 business days to process ( see XXXX MOHELA Letter.pdf ). I was particularly concerns about this because the Department of Education website stated " [ i ] f you apply for an IDR plan ( such as the SAVE Plan ) this summer, your application will be processed in time for your first payment due date '' ( see SAVE Repayment Plan Offers Lower Monthly Loan Payments | Federal Student Aid ). Being on the SAVE plan is critical to me because it would drop my previous monthly rate from {$220.00} ( see XXXX XXXX XXXX XXXX XXXX ) to approx. {$210.00} per month ( see Student Aid Calculator XXXX XXXX ). Wanting to check my IDR application status further, the MOHELA website indicated that my IDR application was cancelled when logging in on XX/XX/2023 ( see MOHELA cancelled IDR app XXXX ). Concerned about this, I called MOHELA on XX/XX/2023 at approx. XXXX am XXXX. After approx. 30 minutes on hold, I spoke with XXXX who was extremely helpful and told me that the website appeared to be showing an inaccurate status and that my IDR application was actually accepted and my payment should be approx. {$210.00} per month and that I would see this take effect for my XX/XX/2023 payment. Unfortunately, he also informed me it will take 3 business days for me to see anything different in my account. Given the discrepancies between what I can see and what XXXX can see, I would like written confirmation sent via my online account that I am a ) currently on the SAVE plan and b ) expected to only pay {$210.00} per month at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-01 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX LATE PAYMENTS Part XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to or ; THE LAW CLEARLY STATES : Transactions between the consumer ( XXXX ) and the person ( YOU ) ( XXXX XXXX XXXX XXXX XXXX XXXX Making the report is not INCLUEDED on my Consumer report! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have XXXX calendar days to update my Payment history and or delete all late payments from the below account/s transactions experiences between the consumer and the person making the report A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

[ XXXX XXXX XXXX XXXX XXXX Account # XXXX ] Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character XXXX. Negligent Non Compliance XXXX. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 16XXXX ] Best regards, 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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX  XXXX ( Original Creditor : 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