vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Bank took XXXX without my knowledge for someone elses debt. Will not return.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
Lexington law firm XX/XX/2023 Paid for service not received they never helped me with removing negative items from my credit as they stated they would The stated Due to COVID-19 loss of income and The identity fraud that happened during Covid-19 They would help me in removing all these false inquiries but they did nothing they charged me to see my credit even though they already had my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-24 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report Please delete all other addresses except my current address, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

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 2023-04-24 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-24 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: MI

Complaint narrative:
Its showing the account is closed but it is still open and I ; m paying on time.

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 2023-04-24 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: MA

Complaint narrative:
Here 's a revised version of the form : On XX/XX/XXXX, I contacted XXXX regarding inaccuracies in my credit report. Despite my initial communication, to date, there has been no response from XXXX. 

The account listed below is not mine, and I request its removal from my credit report : COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ) The following accounts were never late, and I request the correction of this inaccurate information on my credit report : XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} ) XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} )

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 2023-04-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I was offered a home equity line of credit from USAA ( account XXXX XXXX ) on XX/XX/XXXX for {$120000.00} and on XX/XX/XXXX USAA has record in the loan history that I received a detail advance of {$120000.00}, however I have no record of where this detail advance went to or any recollection of where these funds are. I received a detail advance of {$2000.00}, on XX/XX/XXXX of which I paid back on XX/XX/XXXX. I later received a balance advance of {$200.00} dollars on XX/XX/XXXX. Around XXXX, USAA informed me that because of the housing market, my Home Equity Account had a hold on it and I could no longer borrow any money of of it. Since then I have made mostly interest only payments. There is a maturity date of XX/XX/XXXX on this account and there is still a hold on the account. Upon enquiring about the balance due, USAA recommended that I go back and look at my USAA checking account and see if the funds were deposited in that account. When I requested information on the USAA checking account in XX/XX/XXXX, USAA said that they could only go back 7 years. I have requested a review of the account with USAA via case XXXX XXXXXXXX but have not received any information as of this date. This amount of credit ( {$120000.00} ) has never been deposited in any of my checking accounts and I have never spent this amount of money from this home equity line of credit. I need to understand from USAA why I have a balance due of {$110000.00} dollars, and what will occur on the maturity date. The home that I received the home equity line of credit on now has a value of {$700000.00} dollars. The mortgage on this account is with XXXX XXXX XXXXXXXX ( account XXXX XXXXXXXX ). I have been a dedicated USAA member for 38 years, and I should receive an explanation of why I have this debt. Again, I have never used this amount of money from this line of credit. My USAA member number is XXXX. I understand that USAA is no longer in the home equity line of credit business. I appreciate your help with resolving this issue with me and USAA Federal Savings Bank. Sincerely XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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 — Investigation took more than 30 days
Company: SLM CORPORATION
State: NY

Complaint narrative:
This loan was paid in full and still impacting my credit negatively and I have asked multiple multiple times for it to be removed and its never removed from XXXX, XXXX XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
My deceased father signed a lease agreement in XXXX of XXXX for the address XXXX XXXXXXXX XXXX XXXXXXXX Tx. his name is XXXX XXXX XXXX DOB is XX/XX/XXXX. he died in XXXX our names are very similar, only the middle name is different. I have a case # through the Police dpt. of XXXX XXXX & i have sealed documents from the state of Tx proving i did not sign this lease agreement. XXXX who the lease was signed with & national credit systems the collection agency both refuse to listen to me. XXXX XXXX the collection representative for NCS was very rude & told me i was responsible for my deceased fathers debts. My father was married & my mother has even tried calling them to tell them she would inherit the debt. but no help. they will not provide a copy of the lease because they say i cant prove im the signer of the lease but they have no problem coming after me for the debt. when my dad signed the lease in XX/XX/XXXX they ran his credit report, not mine. that can also prove the lease was NOT signed under my social. my credit report would be perfect if it wasnt for this collection & its not even me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  XXXX - XXXX, Account XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX XXXX XXXX- XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX, Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated my rights.

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 an account without my written instructions.

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 2023-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 an account without my written instructions.

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 2023-04-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CO

Complaint narrative:
On or about XX/XX/XXXX, i opened a Certificate of Deposit online with US Bank at their website. On XX/XX/XXXX, I visited the US Bank Branch at XXXX and XXXX, XXXX XXXX XXXX XXXX, XXXX, Colorado XXXX Branch " XXXX '' to deposit {$1000.00} in cash to fund the CD. I was given a receipt and told it would be deposited in a couple of days. As of one week ago, when i contacted US Bank, which in turn pushed the complaint to the branch manager, XXXX XXXX XXXX XXXX, he told me that it would be a couple of days to complete the deposit. Daily I have checked the account ; daily the {$1000.00} has not been deposited into the account. Although he said that the money would be credited as the funded date, there is no evidence of what happened to the {$1000.00}. I contacted US Bank again today with no luck ; i then called the Federal Reserve Bank Consumer division and they forwarded me to the consumerfinance.gov website where i am filing this complaint against US Bank. This is the year XXXX ; i can't have the foggiest idea what would take more than a couple of days to fund this account and bee accountable for the {$1000.00} cash i gave the branch manager on XX/XX/XXXX Is there something i don't know about the registration of a CD that takes more than a couple of days. When i put money into the bank, it is immediate, when i take money out of the bank, it is immediate. Why would it take over ( at this point ) two weeks to show where my money is. Please look into what i would think is a violation of the law. 

While writing this complaint from work, the copy of the cash receipt is at home. I can forward it when i return home..

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 2023-04-24 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I MADE THIS DISPUTE IN XX/XX/XXXX, AFTER I HAD RECEIVED MY XX/XX/XXXX STATEMENT. I AM STILL IN DISPUTE BECAUSE THE COMPANY HAS NOT FOLLOWED THROUGH. ON XX/XX/XXXX ORDER XXXX XXXXXXXX {$380.00} WAS CHARGED. ON XX/XX/XXXX ORDER XXXX XXXXXXXX {$390.00}. ON XX/XX/XXXX ( A DUPLICATE ORDER ) XXXX XXXX {$390.00}. I WAS CHARGED FOR 3 GRILLS. I RECEIVED 2 GRILLS. I RETURNED 2 GRILLS. SO I SHOULD NOT OWE ANYTHING SINCE I DO NOT HAVE ANY GRILLS. LETTER RECIEVED FROM COMPANY DATED XX/XX/XXXX STATED THAT CREDIT FOR {$380.00} ON XX/XX/XXXX. SECOND LETTER FROM COMPANY DATED XX/XX/XXXX STATED THAT CREDIT FOR {$380.00} ON XX/XX/XXXX. THIS IS NOT CORRECT. AS I DID NOT RECIEVE THE 2 CREDITS FOR THIS AMOUNT. ONLY CREIDTS THAT WERE RECIEVED ARE : XX/XX/XXXX {$380.00} AND XX/XX/XXXX {$390.00}, I STILL AS I HAVE STATED FROM MY " FIRST '' DISPUTE NEED THE CREDIT OF {$390.00}. THIS IS FOR THE GRILL THAT I NEVER RECIEVED. I WAS TOLD BACK IN XX/XX/XXXX BY XXXX THAT IT WAS A DUPLICATE ORDER AND I WASNT GOING TO BE CHARGED. BUT I AM STILL BEING CHARGED TODAY. DUE TO THE DIPUTE I AM BEING REPORTED TO THE CREDIT BUREAU " AS LATE '' EVEN AFTER MY MANY CALLS AND LETTERS WITH THIS MATTER. IT HAS TRULY RUINED MY CREDIT SCORE.

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 2023-04-24 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: Earnest Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was able to refinance it from a loan that I had from XXXX and XXXX XXXX into one loan now under earnest. Initially, the monthly cost of my student loan payments took up more than 50 % of my monthly income. I struggled for months to pay both rent, to get food, and pay off my student loan. The student loan bill is the largest out of all of these. I was never able to find a job with my XXXX XXXX XXXX  that pays a comparable salary to what it cost to get the degree. I would have never gone to school for this degree if I knew that the job market had no jobs that would compensate me for my specific education. Now every single month, even since refinancing with Earnest I barely get by. Now I am about to have a baby and I have no idea what I am going to do in order to feed my family, this loan takes up an unreasonable amount of my income and they are not willing to work with me on lowering the payment without me being in debt for the rest of my life. Please, I need help. If something else doesn't happen soon I fear for my family. I worry I am going to have to raise a child homeless and couch surfing because of the unreasonable price of my degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been unable to acquire my credit score from Transunion on several occasions. 
in XX/XX/2023.I have been unable to go online..or speak with someone who can help me..The other credit agencies were helpful but Transunion is unresponsive on more than one occasion..

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 2023-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received an auto loan with Wells Fargo in XXXX. I never received my SCRA benefits with me being a servicememeber in the military. Not only that, but I was never notified about these benefits or was never granted these benefits after being notified about this in XX/XX/XXXX. In XX/XX/XXXX, I made a payment to pay for my car loans for two months ahead but for some reason they reversed the payment to my bank and they never tried to resolve this issue which caused me be thousands of dollars behind in car payment. They doubled my interest rate to 12 % when my interest rate was supposed to be 6 %. And my car was never supposed to be repossessed. On the day my car was repossessed, I was never notified and I never got the chance to retreive my belongings, important documents, and military uniform out of the vehichle before they took the vehicle away.

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 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: MA

Complaint narrative:
Hello. FNBO bank recently denied my request for a credit card based on their assessment that they could not " ... verify certain information ''. I contacted their credit department on Friday, XXXX XX/XX/2023 and spoke at length with XXXX who is a " Lead '' in that section and I asked what information I could provide to verify my application in order for it to proceed. After repeated requests for this data, she stated " ... that it is bank policy not to disclose such information ''. I asked which credit bureau they used and she responded " XXXX '' and suggested I contact them to review my report. I contacted XXXX by phone and was advised that there is no derogatory information of any kind on file with them. Further investigation on my part revealed that XXXX and XXXX had the exact same correct data and my XXXX score is good. XXXX further indicated that FNBO had not run any credit check on my file within the last ninety days which begs the question " Where did they get their data from? ". Any financial institution within the United States that refuses a person credit is required by law to state the reason ( s ) for such denial along with the bureau ( s ) that provided the report ( s ).

A reasonable person would therefore conclude that FNBO 's rationale for denying me credit is generic in nature and, in effect, denies me the right to correct any erroneous data they may ha
ve on file. To deny me such recourse is both arbitrary and capricious.

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