vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX I made a direct connection between Navy Federal CU >Navy Fed investment svs >Navy Fed Brokerage > XXXX et al. And so fourth. Based off the evidence that I have found leading to false information to leading me to different directions. This is not at all in good faith to lead a noteholder in misleading information. I am lead to believe there has been a breach in contract for all parties involved also securities, equities EFT fraud happening. When I found the company XXXX for the first time I so happened to click forgot user name and there was an account already opened up for me. Privacy violation # 1 I never gave NFCU et al or XXXX et al permission to do this. Not only that but to restrict access the securities and equities I have with rights to. J know that theres a certain process to this but with both parties telling absolute lies there can never be remedy without cpbf etc. so I am writing because it is time for CFPB to regulate and help because this can not go unjust. I havent received no dividends payouts for the treasury notes, no certificates of indebtedness past present or current. Navy Federal has taken unlawful money from me from debts that were already discharged. I want all of my treasury notes returned. That alone was an unfair process. CFPB I am here to work with someone on your end to get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I entered a rental agreement and paid the landlord the security deposit and first month 's rent through XXXX and mobile bank transfers with my bank, Truist Bank. The 3 bedroom, 2 bathroom house I was attempting to rent was listed on XXXX for {$700.00} a month. 

The " landlord '' never sent me my keys after I paid him a total of {$1200.00}. I signed a lease on XX/XX/XXXX and was ready to move in, but when I went to movie in, the house is already occupied. The rental agreement was fraudulent, this was a scam. 

When I went to my bank to file a complaint and have my funds refunded to me, they told me they could do nothing about it, despite having the necessary evidence to prove that I was scammed. 

I am in desperate need to have my funds refunded to me. I am currently struggling immensely financially due to fraud committed by the individual responsible.

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 2023-11-28 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: CA

Complaint narrative:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " XXXX XXXX XXXX  '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

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 2023-11-28 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: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Hello, As i began to check my consumer report, I discovered a collection account from Credit Collection Service and they have reported a debt on my consumer report. 

Credit Collection Service is in violation of 15 U.S. Code 1692g - Validation of debts. 

No written notice was sent to the current address on consumer report before placing this inaccurate information. 

This information is hindering from obtaining other financial resources.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
The loan was paid in full with a cashier 's check. This check included an amount sufficient to pay off the principal balance, accrued interest to payoff receipt and lien release filing fee. I have received a refund for the over payment from this check however, the company has not applied the payment to the principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
My spouse is XXXX XXXX military enlisted/serving in the state of Louisiana. Under LA statute XXXX XXXX, credit lenders are supposed to be capped at 6 %. Please adjust my account accordingly. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28 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: 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. 

Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX has violated my rights. Or a 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 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Are You Serious!!!!! 
This company has engaged in abusive, deceptive, and unfair practices that are prohibited by the FDCPA. They've reported an account without my agreement or signing of any related agreement. A legal contract necessitates the consent of both parties, which I did not provide. Additionally, they did not follow the proper five-step validation procedure, constituting unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation, and their actions clearly infringed upon my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: OH

Complaint narrative:
I filed complaint # XXXX on XX/XX/XXXX  after I noticed accounts on my report that didn't belong to me. The complaint was closed witha comment that states the complaint is still open. This companty is attemting to extort payments from me. This company is recieving money from the furnisher for this false account being on my report. This company is defaming my character. This company is not protecting my report from inaccuracies. This company has failed at its assumed role and is in breach of contract.

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 2023-11-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
I purchased a prepaid Vanilla Visa gift card for the amount of {$120.00}, from XXXX on XX/XX/2023. I then came home to make sure that my card was active and realized that there was no CVV/security code on the card. It took several tries, but I was finally able to connect with a customer service representative. The representative told me that I should still be able to use it in stores. The following morning I went back to the XXXX that I purchased the card from and explained what happened. I then tried to purchase a small item in the store only to realize that the magnetic strip did not work either. I do not feel like Im going to get anywhere with this company. I know that {$120.00} may not seem like much to most, but for me that was going to be used towards XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
On XX/XX/2023 I called and waited on the line for over 90 minutes to get to a representative. 

During our conversation she was able to explain how the XXXX program worked ( payment ) so I could optimize my payment impact. This was the good thing. I am on the program. They have one payment before this forbearance was put into place. 

We also discussed having the forbearance removed. I was told that this is possible and would take a couple of weeks. I would be getting some info by mail. The only info I got was about the resolution of the borrower defense that was already taken care of previously. 

About 2 weeks later I sent an email to them as a follow up to the situation where I again requested that my forebear be removed. I wanted to pay. I didn't want any interest to be added to my account. Any to build up since the XXXX program removes the added interest once you pay the amount. 

I have attempted to call them again but to get to a rep the call would again be more than 90 minutes. 

In my opinion it appears as if they are ignoring my request as it adds more interest to the account which would be added to my current principle benefiting the company. Nothing done with the first call or the email sent. No TXT, internal message or snail mail. 

I can't afford to pay the full default amount so much if not all of what I would pay would only go to interest again benefiting the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I have found where the box is at XXXX XXXX location XXXX but I cant get anyone to communicate with me about this. I still receive billing for my deceased Mother that had the box. They asked me to get an Indiana affidavit for estate for my Mom. I got one online filled it out after a 4 year illness my Mom had no estate to speak of. PNC told me that was not sufficient for their legal department. I told them I wanted to surrender the box my Mom had wrote on the key envelope their was nothing in the box. 

I am still getting bills for this box XXXX with a XXXX late fee. My Mom is deceased its like they don't understand that. 
All I want is to surrender the keys and PNC to set up an appointment to do so. I would not be filing this complaint if they would work with me. I have all other matters completed as far as my Mom. 
Date XX/XX/2023 Box Number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In the XXXX data brench all my information was stolen and used. With this being said I just want my cumsumer report corrected. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2023-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avadyne Health Holdings, Inc
State: AZ

Complaint narrative:
The only contact I received was a phone call from the collection agency wanting payment. I then contacted XXXX XXXX to confirm when the notice was sent to me about this past due money, and they could not provide any notification of any contact from them to me about this debt. The collection company was very aggressive and we worked out a payment plan. I am in the process of buying a house and this debt has ruined my credit score. I was told by my lender that medical debt by law should not be reported on my credit score. I just need this removed from any credit reporting companies asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: FL

Complaint narrative:
I trust this letter finds you well. I am writing to formally address concerns regarding my consumer credit report. My name is XXXX XXXX XXXX, and after recently obtaining a copy of my credit report, I discovered discrepancies that warrant your immediate attention. 

It has come to my notice that my credit report contains inaccuracies, specifically in relation to late payments associated with finance charges. As per the United States Code, Title 15, Section 1605, the computation of a finance charge for any consumer credit transaction should encompass all charges imposed directly or indirectly by the creditor. Notably, fees and amounts imposed by third-party closing agents are excluded from the definition of a finance charge unless required or retained by the creditor. 

Upon thorough review, it is evident that late payments have been erroneously reported despite the presence of a finance charge. I draw your attention to the relevant sections of the United States Code, particularly 15 U.S. Code 1605 ( a ), which clearly delineates the criteria for the inclusion and exclusion of charges in the finance charge calculation.

I hereby request the expeditious removal of all late payments associated with a finance charge from my consumer report in accordance with 15 U.S. Code 1605 ( a ). As a consumer, I am entitled to accurate and equitable reporting of my credit history, and any infringement upon this right will be addressed seriously. 

I want to emphasize that, pursuant to the law, these accounts must be promptly updated to reflect " paid as agreed. '' Failure to rectify this matter immediately may compel me to pursue monetary damages for the violation of my rights under 15 U.S. Code 1605 ( a ). I am prepared to initiate legal action in small claims court in my city and state under 15 U.S. Code 1681n civil liability. 

Furthermore, I have already lodged a complaint through various channels, including the Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. I anticipate a thorough investigation into this matter. 

For your reference, the specific details in dispute on my credit report are as follows : XXXX XXXX XXXX Account Number - XXXX I kindly request your prompt attention to this matter and anticipate a swift resolution. Please furnish written confirmation of the corrections made to my credit report. 

Sincerely, 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 2023-11-28 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: CIG FINANCIAL LLC
State: LA

Complaint narrative:
Cig Financial reported late payments on my consumer report without consent or notice. 

Cig financial is in voilation of 15 U.S Code 1638 a Also in violation of 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I paid my student loan on XX/XX/XXXX ( pmt was due XX/XX/XXXX ) and it was posted to the wrong account through Nelnet. I made an additional payment on XX/XX/XXXX which was cancelled by the Nelnet representative stating the moneys I paid previously would be transferred to the correct account. To date this has not occurred. 

I then received notification about a " missed '' payment- which again was not missed. I accused additional interest and my account reflected no payment due until XX/XX/XXXX, although credit reporting reflects a missed payment in XXXX. 

I called Nelnet back mid XXXX after I was notified by XXXX XXXX about ht missed payment and paid an additional {$200.00} over the phone. I have not made a total of {$500.00} in payment for an amount due that is less than {$200.00}. 

In addition, I never received notification of a change in payment address and had been paying my student loan since XXXX without issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo bought XXXX, where I had an account with auto-pay. Wells Fargo did not transfer my auto-pay to my account without notifying me. Subsequently, I was under the impression that this arrangement was transferred since they were responsible for transferring all amounts and methods of payment. As a result, my account was tagged for late payments for three months, which caused my credit score to plummet from XXXX to XXXX and caused other creditors to lower my existing credit cards or cancel the cards altogether in a credit card company where I didn't owe money. although no balance was owed, they closed the account and put me on a payment plan without rectifying the error or adjusting the " bad '' report. I have auto-pay on all my loans and credit cards and have never missed a payment with any source except the situation with Wells Fargo Bank . Even after they set up Autopay after extensive application, they have reported late payments with this in effect. I can provide proof of the reduced payments from my bank statement.

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 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collection Management Holdings, LLC
State: MS

Complaint narrative:
This company has engaged in very abusive, deceptive, and unfair practices that are not prohibited by the FDCPA. They've have reported an account without my agreement or signing of any related agreement. A legal contract necessitates the consent of both parties, which I did not provide. Additionally, they did not follow the proper 5-step validation procedure, constituting unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation, and their actions clearly infringed upon my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has had a data breach and which Ive never given consent to give any information out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Attempted to login Equifax poral online to view my account and received an error message. Pulled my report from XXXX XXXX and can not view my report

Company response to consumer: Closed with explanation