vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
FNBO, who issues credit cards for XXXX XXXX ( and other purchases ) markets a credit card that gives different levels of cash back for grocery purchases ( 3 % ), Restaurants ( 3 % ), Other than Gas purchases as XXXX and XXXX stations ( 5 % ), and all other purchases ( 1 % ). However, there is no where online or on my statement that tells me what level of reward I have earned for groceries ( and doesn't tell me if a particular store is considered to be a grocery store ). I spoke with XXXX in their customer service department today on XX/XX/2023, who told me that XXXX determines the type of store category with the store. OK, but it should not be a secret. It should be transparent to a customer which category a particular store is in. For example, the online list of transactions tells me that a restaurant name IS a restaurant and that a payment made IS listed as uncategorized because it gets no points. Every other transaction is categorized as EVERYDAY PURCHASE including spends on gasoline and grocery stores. If the company does not want to indicate which stores it considers to be a grocery store online in the listing of reward transactions, then it should have a web page showing an alphabetic list of grocery store names so that a consumer can make " informed '' decisions about how they wish to pay in a particular store. Also, there is no way for a customer to verify that the amount of rewards they received each month is correct -- this should be transparent.

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 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
As an active military member, I have been associated with Navy Federal Credit Union for some time now, maintaining multiple accounts with them. Recently, I approached them regarding a concern I had about the interest rates on all my current and previous accounts, and whether they could align them with the provisions outlined in the SCRA ( Servicemembers Civil Relief Act ). Although I am aware that my debt was incurred after my active duty commencement, I find myself burdened with exorbitant interest rates that seem unfair. Hence, I kindly requested Navy Federal Credit Union to consider adjusting my interest rate in accordance with the legal requirements stated in the SCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: TX

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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
I have asked XXXX XXXX, XXXX XXXX and Bridgecrest multiple times to remove my nonpublic personal auto account from the third parties ( XXXX, XXXX and XXXX ) because they didnt give me the option to opt out of their opt out disclosures and they refused. 

I have recently read the GRAMM-LEACH-BLILEY ACT under the Federal Trade Commission and they are failing to comply with the law. 

The GRAMM-LEACH-BLILEY ACT requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. 

The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The law covers a broad range of financial institutions, including many companies not traditionally considered to be financial institutions because they engage in certain " financial activities. '' Financial institutions must notify their customers about their information-sharing practices and tell consumers of their right to " opt-out '' if they don't want their information shared with certain nonaffiliated third parties. In addition, any entity that receives consumer financial information from a financial institution may be restricted in its reuse and redisclosure of that information. 


XXXX XXXX, XXXX consumer and Bridgecrest has failed to disclose this information to me and knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties, XXXX XXXX XXXX, XXXX and Bridgecrest knowingly, and willfully withheld information that explains how I the consumer can exercise that nondisclosure option. 

My account should be removed immediately!

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 2023-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MN

Complaint narrative:
Nelnet has drawn from the incorrect checking account multiple times now, causing that amount to be overdrawn multiple times. I logged into my account and made sure it is set to draw from the correct checking account, but they keep drawing from the wrong one anyway. I tried to call in, and I was on hold for over two hours before I had to give up and move onto other tasks. I tried to fill out their email form, which took time and sensitive information. After taking the time to fill it all out and give them ample detail regarding the situation, they sent an auto reply to my email saying they are unable to respond because they are too busy. They are wholly unreachable and irresponsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
XXXX XXXX is charging me for auto insurance after I cancelled. They sent me to collections without any phone calls or messages. I had moved and did not receive any mail. I contacted the insurance broker I was going through for weeks with no response. I asked to have collections retracted and to give me reasons and balance owed. I was told after submitting my cancellation declaration and proof of new insurance that my only option was to pay the collection company and they would not remove from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I already paid this account, but they continue to report incorrect information on my credit report. As you know, the Fair Credit Reporting Act ( FCRA ), as described in 15 USC 1681, requires that I provide accurate information about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: NY

Complaint narrative:
Ive been in communications with TransUnion about inaccurate personal information on my credit report. Even after notifying them many times about this error they are reporting this incorrect information on my file. Not only is it unfair, its also illegal. Please find attached.

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I printed my Transunion report and noticed unauthorized/fraudulent inquiries on my credit report. I called Transunion to report this fraudulent activity on my report and I was told to mail an FTC report along with other documents. The FTC report and documents were sent via certified mail with a copy of my ID, social security card and utility bill and Identity theft report requesting these inquiries to be removed from my credit report. 

when calling Transunion to follow up on my dispute/case, I was transferred to a Supervisor by the of name XXXX, XXXX told me and I quote " We Transunion don't dispute anything on the consumer credit report and there is nothing to do '' you have to dispute with the bank '' even after me telling him that the bank told me that they didn't have any information and to call transunion because they start a dispute contact the bank and the bank will tell to delete. I have RECORD of the Conversation. 

by Transunion denying my right to dispute by saying they don't dispute, This violates my rights to privacy under FCRA. Section 604 [ 15 U.S.C. 1681b ] - Permissible purposes of consumer reports. ( C ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer. ( 3 ) Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

attached is the return reciept from USPS, my documents were recieved by XXXX XXXX from Transunion- the fraudulent inquiries are XXXX XXXX XXXX ON XX/XX/2023 AND XXXX XXXX ON XX/XX/2023 - FTC Report # 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 2023-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I reviewed a copy of my credit report and and I noticed that I had 7 late payments on an account that i was never late for consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. if proof cant be provided I demand these payments be updated to on time as the should be as i was never late thanks.

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 2023-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BROKER SOLUTIONS, INC.
State: NY

Complaint narrative:
Company waited 51 days after credit pull and 4 days before closing to deny me access to my credit which prevented me from closing on my home. They stated the denial reasons as a foreclosure or mortgage obligation, none of which is listed on my credit report. They also state " other criteria '' and " investor guidelines '' in their denial letter and email correspondence, which are not valid criteria in a consumer credit transaction and are discriminatory. I have also indorsed many documents, given securities, and given access to my estate, and I have not been compensated for my security instruments or my equity in this transaction. In their unfair and deceptive tactics, New American Funding has : 1. Denied me credit based on " other criteria '' and investor guidelines which constitutes discrimination. [ See XXXX-New American Funding Email XXXX and [ See XXXX-New American Funding Email XXXXXXXX ] 2. Denied me based on evidence I have not seen and evidence not on my credit report. 
XXXX. Refused me access to the full report which took away my right to dispute any inaccurate information. [ See XXXXNew American Funding Email XXXXXXXX ] XXXX. Committed securities fraud by taking in a security loan against my personal property and not compensating me. They are also masking themselves as creditors in order to strip me of my status as principal and my entitlement to the proceeds funded by the consumer/commercial paper. 
5. Not giving full disclosure on whether loan number XXXX and XXXX listed on the denial letter and other documents are active loans or loans that were denied. [ See XXXX-New American Funding Email XXXXXXXX ] XXXX. Refused to answer whether any funding has been received, moved, or transacted on behalf of the principal XXXX XXXX. 
7. Pressured me to commit identity theft in order to provide proof of their claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
I was not made aware about my ability to dispute this charge from Exeter Finance. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/2023 - Good day, I just found out that Truist/a.k.a Suntrust Mortgage Company has placed my 2nd mortgage that they are servicing on foreclosure. I tried to call them twice today, to find out how to bring the account current and if they could provide me with the payment to be made to reinstate the account, as well as providing a payoff quote. The first representative I spoke to informed me that they could not give me the amount to pay to bring the loan current, and to call their attorney who will have to add their fees and let me know how much to pay them. I expected my mortgage company to have that information and not run me around to get the amount to reinstate my account or pay it off if I choose to do so. This bank has proven difficult to work with from the start, when I tried to modify this loan with them. I submitted an application long ago, which they lost and wanted me to submit another one. I have family members going through terminal illnesses that I have been dealing with, and just couldn't deal with them running me around. I had to borrow money to try to reinstate this account, and they are still doing the same thing. I even asked them to provide a pay off quote as well, which they could not do. The second representative I spoke to, gave me a figure which does not correspond with the figure I saw on this lender 's current loan statement for this month, which they had sent to me. She then told me to contact their attorney, after giving me the quote, which tells me that what she quoted is not right. My first mortgage is current, and when I called them, they told me they are not aware that this lender is trying to foreclose on my property. I feel frustrated in trying to deal with them and assume this as part of their tactics that they use to take people 's properties from them. I would really appreciate your assistance in this matter. Thank you.

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 2023-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to Bank of America located on XXXX XXXX XXXX XXXX ca, to cash a bank of america settlement check. I was denied because the check was {$5000.00}. I was told they only cash up to {$4000.00} for non-members. This was a Bank of america check. I was not asked to open up an account either. My sister who works for the FDIC formerly worked for the federal reserve said they were obligated to cash their own check.

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose reporting a collection amount of {$2000.00}. This collection agency is performing unfair practices, in which this keeps the account reporting as open/ current and does not display a closing date on my credit report. This debt also exceeds the statutory limit for the state of XXXX XXXX, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from Transunion, XXXX, and XXXX respectfully. Thank you in advance for your attention to 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 non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose reporting a collection amount of {$2000.00}. This collection agency is performing unfair practices, in which this keeps the account reporting as open/ current and does not display a closing date on my credit report. This debt also exceeds the statutory limit for the state of XXXX XXXX which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and Equifax respectfully. Thank you in advance for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Affective date is XX/XX/2023. Its a rental company in XXXX called XXXX XXXX XXXX XXXX and theyre trying to collect {$4400.00} for rent in XXXX  XXXX I never lived in XXXX  always live in XXXX  and the company said, the person name XXXX XXXX is using my name and information. The collection agency is fair collections, and outsourcing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX their phone number XXXX reference number 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 2023-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALPHA MIDCO INC
State: TX

Complaint narrative:
Over a year ago I went to the emergency room, upon being released I talked with the front desk and they were able to waive my charges due to my financial situation. Over a year went by and I noticed a collection on my credit report for {$820.00}, I called the company and they claim it was related to medical bills from a year ago. I never received any bills from the hospital, in fact I have paperwork showing I have {$0.00} balance. I called the company again after trying to distthe charge with my credit company for months and now they say there is a second collection of over {$2000.00} alongside the {$800.00}. They will not remove this from my credit report and want me to make payments to them.

Company response to consumer: Closed with explanation