vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Phoenix Recovery Group
State: NY

Complaint narrative:
On XX/XX/2023 XXXX XXXX contacted me requesting payment of {$90.00} for a forced insurance policy, and two duplicate charges. I responded the same day and told them that the bill was incorrect and asked for proof of the charges. On XX/XX/2023 they replied and still did not provide an itemized receipt but instead verbally told me I had not paid my electric bill. On my account I had paid for XXXX already but needed to pay for XXXX - XXXX and the pro rated rent. I requested that they remove the duplicate charge for XXXX - XXXX and the forced insurance charge and they refused and demanded that I pay twice. On XX/XX/2023 they emailed again and I requested to speak to a member from their accounts team as this issue was not getting solved. Then they sent me an email on XX/XX/2023 saying that I had actually owed XXXX which does not make sense because I moved out on XX/XX/2023 and additional charges to my account without receipt from the electric company, despite being requested, does not seem correct nor legal. Following that I emailed them every week asking if they could open my account so I could pay and they ignored every email and sent it to collections. This amount sent to collections is wrong, at most I owe this company {$40.00} which I had all intentions of paying directly to them and asked several times to be able to do so but they refused to let me and predatorily sent it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: OR

Complaint narrative:
I filed a complaint with US Bank and the company responded by attaching an old letter from a different complaint, related to a different issue, dated with the old date, that was copied and pasted from the old problem, and therefore did not address my complaint. I suspect they will again do the same because they refused to close a core deposit account, the online banking teller told me they " lost '' my money. They submitted a research ticket and still could not find my " lost '' money after a month. When I filed my complaint about this, they uploaded a response to an old complaint, rather than the current actual complaint. I suspect they will do the same again. They are stealing money, and are not being held accountable, which is why they did not respond to my last complaint.

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 2023-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
On the XXXX XXXX XXXX, I received two invidious letters from the law office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; on behalf of two debt collection agencies : XXXX XXXX XXXX and Midland Funding LLC. The letters purport that I owe some unspecified and unsubstantiated debts, and that a wage garnishment order has been exigently executed and sent to my current employer. 

Let me unequivocally state that I do not recognize these fictitious and mendacious accounts, neither do I intend to make any payments therein. Succinctly, I will pay XXXX dollars! I refuse to be inveigled, inculpated or browbeaten into accepting any pecuniary responsibility or obligation, concerning the debts. 

Furthermore, the letters did not specify any dollar amounts owed, nor have any appurtenant evidence linking me to these debts. Be apprised that I am requesting a debt validation notice on these accounts, and will also be contacting the office of the NJ Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that 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.

Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: Maximus Federal Services, Inc.
State: OK

Complaint narrative:
I take my credit very seriously and set up autopay with Aidvantage early on, before the forbearance ended. Received confirmation on XX/XX/ that my payment was received then several days later I received a notice that my account was overdue. I could not figure out what happened. Eventually I found within my account that my payment had been reversed. I tried to make a separate larger payment and then the same thing happened. I then deleted my banking information and re added it thinking I could have entered my account incorrectly or something. But yet again after it processed I received a thanks for your Payment email but then found it was reversed again. Im very frustrated because I feel Im being unfairly charged interest/fees when Im just trying to pay. I also want to take advantage of the .25 % interest reduction for autopay. Lastly I have mailed a check and hopefully it will work. This is the same bank account Ive had for decades I recently had autopay on a car loan and use it for credit cards and it was even the same one that I had for fed loan for the same loans before all these serviced charges happened. This is pretty ridiculous and causing me undue frustration. 
I have tried calling and just witnessed a long wait and never talked to anyone. I emailed and never got anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge 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: GA

Complaint narrative:
- On XX/XX/XXXX, Citibank reached out to me asking if I had made some recent purchase on my card. They were suspecting fraud. 
- I confirmed that some of the transactions were not made by me or anyone authorized on the account. 
- They closed the account, and generated a request for a new card. 
- Looking at my account later, I can see that SOME of the transactions identified were removed from my account. 
- There are currently two charges which were not removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$300.00} - I contacted Citi by chat on XX/XX/XXXX to understand why these were not credited. 
- After much time, I was told that they would not be able to help me, and gave me two phone numbers to call instead. 
- I finally got through on one of those numbers on XXXX XXXX 
- I was told that the investigation on these items is still underway, but they " would do what they could to expedite ''. 
- My new statement dropped on XXXX XXXX  which will include these fraudulent charges. 
- Because I choose to use auto-pay, I will automatically pay these fraudulent charges when due. 
- I was told that there was nothing else which can be done.

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2023. I requested to Experian to update and report accurate information many time. but they haven't update my credit profile. even though I submitted a letter from the creditor stating that the account is closed and never been late.

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 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Subject : Formal Complaint Regarding Improper Fraud Claim Review and Lack of Documentation | Dear Navy Federal Representative, I am writing to formally lodge a complaint against Navy Federal Credit Union regarding the improper review of a fraudulent account opened in my name. I believe that Navy Federal has violated several sections of federal law, particularly 12 CFR Part 1005 ( Regulation E ) 1005.6. Also according to the Gramm Leach Bailey Act ( GLBA ), financial institutions are required to regulates the collection and disclosure of private, personal financial information, requiring financial institutions to provide a privacy notice to all customers, prior to entering an agreement to do business, and needs to detail : a. the personal information that will be collected. with whom and where personal information will be shared. how personal information will be used. how personal information will be protected being able to opt out of sharing certain personal information with unaffiliated parties. However, in my case, Navy Federal has failed to provide proper documentation to substantiate their claim that the debt associated with the fraudulent account is indeed my responsibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: AR

Complaint narrative:
I applied for a payment plan with Mohela. They automatically enrolled me in the SAVE plan, to pay {$0.00} a month. Though I appreciate this opportunity. This is not what I asked for. In order to purchase a home, I can not have a {$0.00} student loan payment. I then applied for an IBR plan, to pay about {$170.00} a month. I was told that it would take about 2 weeks for approval. After 2 weeks, I called again and was told that it was processing, but could be denied because the SAVE plan was more beneficial for me. I explained the situation, she notated the account, and said that I should not have a problem. " By the end of this week, it will be approved. '' The Monday of the next week, I called and was told that, due to multiple accounts going into repayment, it will take longer than normal. By this time, I am crying on the phone. The seller of the home I wanted is getting impatient and my original closing date has passed. I was forwarded to a supervisor. The nice lady was sympathetic and asked me, " Did anyone give you the option of your application being expedited? '' I expressed that I asked, but was not given this option. She informed me that she would send an email, to expedite this request and noted the reason. She informed me that it will now take 2-3 days. I asked was this certain, as I needed to report to my realtor and seller. She was confident. Well, 3 days went by and my application was still processing. I then called and asked for a timeline/follow up and this representative was extremely rude. He stated, " You application can not be processed. We are not going to randomly chose your application out of thousands to expedite. I am furious to say the least! The seller has officially terminated my contract, due to failing to provide documentation from Mohela, according to the timelines Mohela has given me. I have lost money on appraisals, inspections, etc. I can not believe I lost this home, due to a piece of paper. I am hurt. I am clueless as to what I can do to simply get a payment plan. I have never experienced anything like this.

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 2023-11-03 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXX XXXX # XXXX Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX 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 of 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 2023-11-03 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXX XXXX # XXXX Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX 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 of 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 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was supposed to receive my direct deposit from work today. It is not in my Wells Fargo acct. They said there is a glitch and don't know when my funds will make it into my checking acct

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 2023-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
XXXX XXXX, from TRANSWORLD SYSTEMS INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX or you can contact one of our representatives at XXXX is trying to collect a debt on behalf of a contract she did not validate and did not verify or have information from, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: FL

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 XXXX : XXXX, -Account Name : XXXX XXXX XXXX XXXX -Account Name : XXXX, XXXX XXXX, -Account Name : XXXX XXXX XXXX XXXX 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 : Also states a consumer reporting agency can not furnish my account without my written permission. 15 U.S.C 1681c. ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report contains 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. 5 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. 


ALL OF THESE ACCOUNTS ARE LISTED AS APARTMENT AGENCIES. I XXXX XXXX, HAS NEVER BEEN ASSOCIATED WITH ANY OF THESE ENTITIES. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT AS THEY DO NOT BELONG TO ME.

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 XXXX : XXXX, -Account Name : XXXX XXXX XXXX XXXX -Account Name : XXXX, XXXX XXXX, -Account Name : XXXX XXXX XXXX XXXX 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 : Also states a consumer reporting agency can not furnish my account without my written permission. 15 U.S.C 1681c. ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report contains 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. 5 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. 


ALL OF THESE ACCOUNTS ARE LISTED AS APARTMENT AGENCIES. I XXXX XXXX, HAS NEVER BEEN ASSOCIATED WITH ANY OF THESE ENTITIES. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT AS THEY DO NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stokes & Wolf, P.C.
State: CO

Complaint narrative:
I had an arrangement with XXXX I lost my job and then they did not contact me nor did they try to work with me. I than I had contacted them nurmous times to try to make an arrangement they would put me on hold and they would not work with me. They sent me to collection agency which I found out in XX/XX/31 that an office was going to my mailing address and my former employer. I had not had any type of correspondence from either of the companies now I have added interest and legal fees that I don't feel I should have pay if I had no correspondence from them. I feel like this is unfair and they are using gray areas of the laws to charge the anomus fees to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
For the last 3 years I have been trying to work with Rushmore. My husband and I had signed paperwork that stated if anything ever happen to him the house would be paid off. The amount still owed on the house is unrealistic. They never provide any information. I was back on my mortgage and applied for assistance was granted assistance from the state and the money wasn't applied to the mortgage as it was suppose to be. 

The took out for insurance and taxes which I was paying my own insurance and I am exempt from paying taxes because my husband served the military.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
i, my name is XXXX XXXX, i have a saving account with td bank at first when i realise that my card was not working i went to talk to the manager if they can provide me with a new card to access my funds, they say they couldnt help me that i have to come back an another time and as well the system is down so they basically cant access my account. 
so when i went back in two weeks of time the lady that was helping me was very rude, telling me all kind of excuses but at this point i have to remind her that my phone bill is due as well as my rent and i have to taking care of that issues as soon as possible. so after a couple a minutes of looking at my account and passing some phone calls she reach out to me and let me know that td bank do not have my account and i have to go and check with the office of the new york state comptroller ( for unclaimed funds ). 
at that point i told her that i dont know what is the unclaimed fund and i dont have no business with them and if the bank can help me claim my account. she says that i an on my own and the bank cant help. After i visit the website she gives to me and call the state comptroller, i realise that i was being scam and the bank never foward my account the the state comptroller to be claim by me. i am i need, i need my refund so someone please help me.

Company response to consumer: Closed with explanation