vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There was an inaccurate reporting on my credit report. I did not recognize the companies or organizations showing on my credit report. I already file a dispute on this last XX/XX/2023 and just waiting for the response from the bureaus. I would like to make sure that these companies or organizations will be remove in my credit report as they are affecting my credit as a whole. I also file a complaint with FTC about these companies and I am just waiting for the result as well.

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 2023-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I do not owe this debt. This appears to be a debt collection for the XXXX XXXX  XXXX XXXX [ XXXX ]. 
* I have called the XXXX and confirmed with the XXXX  that I have never owed them money. I confirmed this on XX/XX/2023. 
* XXXX has also confirmed that the do not know who this collection company is. 
* Additionally, I do not live in, commute on, or visit any area in the XXXX districts. I live in California. 

I receive the following message on a regular basis via SMS : This is Credit Management on behalf of XXXX. Please call XXXX or visit https XXXX XXXX We are a debt collector. 

I have received these messages at the following times : XXXX  XX/XX/XXXX, XXXX AM XXXX  XX/XX/XXXX, XXXX AM XXXX  XX/XX/XXXX, XXXX AM XXXX  XX/XX/XXXX, XXXX AM XXXX  XX/XX/XXXX, XXXX AM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Back on XX/XX/2023, I applied for the government 's new income-based repayment plan, XXXX, and was almost immediately approved. Under the new XXXX XXXX, I would have a new, lower monthly repayment obligation. Nelnet still does not have updated information and is showing a much larger monthly repayment amount that does not reflect the approved XXXX XXXX  estimate. It's been almost exactly a month. It's impossible to get a hold of anyone in their customer service department, and I need to start paying back this month!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Citi, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. 

On XXXX, I sent a written request to Citi, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. 

Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from Citi. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. 

I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference.

I believe that [ Creditor Name ] 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. 

I request that the CFPB conducts a thorough investigation into the non-compliance of Citi with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that Citi be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. 

Please consider this complaint as a formal request for investigation. 

I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. 

Thank you for your assistance in resolving this matter.

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 2023-10-13 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: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-10-13 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: TX

Complaint narrative:
This is my 3rd time disputing this account with the creditor. The creditor keep adding and removing this account. Creditor reached out to me via email in attempt to collect on this account that has been sold to them. When I refuse to pay, they added the collection to equifax. 

I would like to remove the following collections from my credit report. 

Please apply these laws to this account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
Spoke with Freedom Mortgage on 3 separate occasions in reference to understanding how to have our PMI removed as it totals close to XXXX for the life of the loan. During our signing of our Refi we were told that once our home to loan reaches 20 % equity that we would be able to request to have the PMI removed. This was not the case previous during my previous conversations with Freedom, i requested documentation on where it was signed that we acknowledged that the PMI would be for the life of the loan ( Does not state anywhere ), i was given the amortization page showing the outline of payments. This does not state that PMI insurance is for life of loan or you can not request to have PMI removed due to our loan being an FHA loan. This seems to be " Legal '' theft and misleading representation during the loan signing process. i was then given advice to refinance and i stated i am not refinancing @ current rates that would be stupid. In the process to speak with someone on the phone i am not directed to a voice-mail, directed to a live manager, or given follow up contact information with freedom mortgage leadership. The normal response of someone will contact you within 24-48 hours was given and i have been down that road a few times with Freedom where i had to call daily for an update ( getting an update a week+ on a previous issue )

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 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
At the end of XXXX ( XXXX or XXXX ) I made a mobile deposit into my Truist business bank account. The deposit was for {$3000.00} in the form of a business check from my client. At the time I had a cash balance of {$780.00}. 

A day after I made the deposit, they froze my account for suspected fraud. They said I had to wait for the check to clear before they could lift the freeze. So I waited. The check cleared my client 's account and they did not lift the freeze. When I called they informed me that my account was closed by the fraud department and I would have to wait for them to finish their investigation. 

Next, they had my client send in a notarized letter on his business letterhead saying that he made the payment to me ( my business ), the check as good ( they already knew that because the check had cleared the week before ), the dollar amount, check number, and contact information. They received that information and still did not release my funds. 

It has been XXXX weeks. I can't get anyone to answer the phone at Truist. I waited on hold XXXX hours this XXXX  ( XX/XX/23 ) and now I am again on hold for the past XXXX minutes. My emails are not answered. I do not know what to do.

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 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
To whom it may concern, As a former Capital One employee ( husband was too ), who actually believed the company meant they wanted to Change Banking for Good I am extremely disheartened about my account and the treatment it has received. I received notice that my account was closed for activity on this account or another account. I dont have another account and this account the only activity I have had on it for quite some time is just payments. The following are actions I think are very unfair, very deceptive, abusive, and quite frankly a horrible customer experience : Charge me the {$95.00} Annual Member Fee on XX/XX/XXXX o Close my account two weeks later, but not refund the {$95.00} Close an account that has been open for XXXX years, no missed payments, with a generic closure reason detrimentally impacting my credit Charge XXXX XXXX Interest Rate that has essentially my whole payment each month going to interest o How come you dont offer Financial Relief Programs like other creditors who are known to be aggressive like XXXX who offers XXXX XXXX interest on your balance, with a restricted card until it is paid in full. 
Charge {$40.00} late fee on a late payment with no ability to get it waived. This only furthers the negative financial impact on me I understand I will probably get a form response that says our cardmember agreement allows it, you owe us the money, thanks. That will be very disheartening to me, and will really show Capital One doesnt care about its cardmembers and is just chasing profits. My request is as follows : Reopen my card, with a reduced interest rate, and can restrict it until the balance is paid in full If you wont reopen my card, change it to Closed by Customer because had I known you would close arbitrarily I would have done it prior because it impacts your credit. 
Reduce my interest rate to XXXX XXXX  or less so I can actually pay this card off, I am a mother of two kids so every dollar counts Remove the {$95.00} Annual Fee Remove the late fees charged to me in XXXX Thank you for your time and I look forward to hearing from you via the CFPB complaint process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
There was an inaccurate reporting on my credit report. I did not recognize the companies or organizations showing on my credit report. I already file a dispute on this last XX/XX/2023 and just waiting for the response from the bureaus. I would like to make sure that these companies or organizations will be remove in my credit report as they are affecting my credit as a whole. I also file a complaint with FTC about these companies and I am just waiting for the result as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XXXX XXXX XXXX my checking account was used without my knowledge to make unauthorized fraudulent charges. These were in various similar amounts all around XXXX XXXX each. I called immediately and filed a claim. I was out of town and my phone was missing/not in my possession during this time and I believe that's how the fraudulent charges were made. This was described by me to CapitalOne. The representative failed to note one of the charges in the claim even though I mentioned them all. I had to call back later once I discovered this to correct their error. I provided all documentation requested. Months later I get a decision saying that about half the charges were approved, and half were denied. This made no sense to me as they were all similar amounts from the same vendor during the same time period. These should all be approved or denied equally! If one is fraudulent, they all are! 

Seeing as this made no sense, I requested documentation used to make their decision. They provided me documentation that said since 1 charge wasn't claimed fraudulent, that some of the charges were considered legit ( the 1 charge that the capital one representative failed to note which I had to call back and correct!!! ) This was an error on capitalone! I still have not received my money for these fraudulent charges. I was assured multiple times by multiple agents that I would get this money back. I have provided all documentation requested. THEY MADE AN ERROR, AND I WAS PUNISHED FOR IT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
opened a Bank of America small business account before the coronavirus pandemic and everything was fine in my account but I lost a lot of income and I find that this bank is taking advantage of a small business that struggling they are holding my checks for longer periods and leadtimes causing me extreme overdraft fees and refused to help me or give me any of my money back they said I already got three fees back but that was due to unknown charges when I first opened my account it has nothing to do with the pandemic or my struggling to pay my bills. I called them multiple times and asked them to escalate my situation but they refused to help me and keep giving me the runaround. They have no compassion and even if the check is a Bank of America check they hold it for extra long times and they said its because of my balance and they can change the whole time anytime they want I have incurred so many fees due to the pandemic and they refused to help me either Im so upset and I dont know what to do I can not get ahead with all of the fees that they put in my account I deposited a {$8000.00} check that I needed to pay my rent and my bills for my business and theyve already taken money for fees while holding the check I need someone to help me and speak for me as a small struggling business. All I want is al the fees back but they will not be work with me at all even though I told them I am struggling from no fault of my own. My business credit score is ruined. I can not pay my SBA loan, and I have been rejected several times when I apply for business checking accounts for other banks, Bank of America refused to refund me even though it was their fault that they rejected my SBA disaster loan, and knew I had no income coming in as I am a small business owner. This is my second complaint date in fact, did not try to reach me. They closed my business checking accounts and it has been very hard for me since then.

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 2023-10-13 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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under the Fair Credit Reporting Act ( FCRA ). As a consumer, I believe that your organization has violated my rights as stipulated in the FCRA, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b.

15 USC 1681 Section 604 ( a ) Section 2 of the FCRA outlines the permissible purposes for obtaining a consumer report, restricting access to an individual 's credit report to those with a legitimate and lawful reason. This provision is in place to ensure that sensitive credit information is only accessible to entities with a valid need, such as creditors, employers, insurers, and landlords. Any unauthorized access or use of my credit report may be deemed a violation of this provision.

15 USC 166b is a significant part of the FCRA and sets out requirements for obtaining and using consumer reports for employment purposes. This section aims to protect the rights of consumers, particularly when it comes to their employment opportunities. It obligates employers to adhere to specific guidelines when requesting and using consumer reports for employment screening purposes. Violations of these guidelines can result in a breach of a consumer 's rights. 

I believe that your organization has infringed upon these provisions of the FCRA by treating a payment as late. 

I kindly request that you investigate this matter thoroughly, rectify any errors, and take the necessary corrective actions to ensure compliance with the FCRA. It is vital to protect consumer rights and maintain the integrity of the credit reporting system. 

Please provide a written response within 30 days of receiving this letter, explaining the steps you have taken to address this issue and any remedies or corrective actions you plan to undertake. Additionally, I request that you furnish me with any documentation or information related to this matter. 

Failure to address this issue within the stipulated timeframe may compel me to take legal action to protect my rights under the FCRA. I hope it does not come to that, and I trust that we can resolve this matter amicably and in accordance with the law. 

I look forward to your prompt response and a satisfactory resolution to this issue.

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 2023-10-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On Thursday, XX/XX/XXXX, I noticed a hard inquiry in my XXXX. I called XXXX and explain to them that I did not do any transactions at XXXX. They made a note on their end and asked me to call XXXX. I spoke to the XXXX. Customer service rep and he denied the application after I explain to him that it was fraud, they will send me a letter and also send a letter to XXXX. 

On the same day I had fraud done on my XXXX XXXX credit card, and my XXXX XXXX credit card. They both were done in Pennsylvania. I also called my credit card companies and made them aware.

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 2023-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: FL

Complaint narrative:
I wanted to speak with someone regarding my balance as it was XXXX more than what I calculated. It seems it went up when they moved my loan over to the new EdFinancial. Also, a year or XXXX ago I asked when was my payoff year and they told me XXXX and now it is showing XXXX even with me making monthly payments during the pandemic when there was no interest accruing. I tried to call a couple of times and they didn't call me back. I also emailed them and they have yet to respond. I feel I'm getting ripped off here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I am writing to complain about the unfair and inaccurate reporting of my auto loan delinquency on my credit report. I experienced financial hardship during the COVID-19 pandemic, which made it difficult for me to make my loan payments on time. I contacted my lender and explained my situation, but they were not willing to work with me on a payment plan or other accommodations. 
As a result, I missed several payments between XX/XX/XXXX and XX/XX/XXXX. My loan is now paid off but the delinquency marks remain on my credit report. I have tried to dispute these marks with the credit reporting agencies, but they have not removed them.

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