vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmNet ESOP Corporation
State: MD

Complaint narrative:
We closed on our loan on XXXX XX/XX/2023. 

On XXXX XX/XX/2023 the company reached out stating they made an error calculating my VA entitlement and that we owed an additional {$15000.00} to reduce the principal. They claimed this was a VA requirement and that the VA would not " insure '' ( they mean guarantee ) our loan due to not having 25 % of the value covered by the VA, equity, and/or a down payment. 

After researching and speaking directly with the VA we found out this was completely false. The VA already guaranteed our loan and the company continued to insist that I was mistaken. In fact, the VA does not require any down payment even when a veteran/servicemember does not have enough entitlement. 

Finally, on XXXX XX/XX/2023, the VA responded directly to the lender ( the CEO ) and informed them that they were wrong. 

The lender then claimed that it was a XXXX XXXX requirement and again tried to convince us to pay for their mistake. The company was unable to pool and sell our loan because they did not have the 25 % of the value covered. 

On XXXX XXXX the lender offered to forgive part of our debt to meet the requirements, which would force us to incur an unnecessary tax burden. We accepted the offer on XXXX XX/XX/2023. 

On XXXX XX/XX/2023 we receive an email stating that I have a new loan servicer. We reached out to the lender and they stated that it was true and the loan was sold on XXXX XX/XX/2023, the day before we agreed to the debt reduction. They also stated that they reduced our debt on XXXX XXXX, XXXX days after the loan was sold. This indicates that they likely violated XXXX XXXX requirements and somehow made changes to a loan they no longer owned. 

Overall, this lender was extremely difficult to work with and caused significant stress and work that should have never occurred. What should have been a happy time in a new home was spent fighting to keep our hard earned money and we are afraid that others might have been taken for $ XXXX that they did not budget or plan for and end up in difficult financial positions. 

We also requested our interest rate capped at 6 % in accordance with the XXXX XXXX XXXX XXXX ( XXXX ). However, we were denied even though my military orders began after closing on the home.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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:
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 but not limited to 15 USC 1681, 15 USC 1611, and 15 USC 1605. XXXX Accounts # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.C 1681 section 604 A Section 2 : It also states, a consumer reporting agency can not furnish an 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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt is reporting correctly. 15 U.S.C 1611. States youre supposed to be notified of all signing information. 15 U.S.C 1605. States a finance charge is supposed to be a sum of all charges.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
called experian about trouble getting my credit report online annualcreditreport.com. no option to speak with a live person

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 2023-08-31 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: TX

Complaint narrative:
The account was updated as correct according to the Fair Credit Reporting Act where it said by law I had the right to challenge anything I am not sure is accurate According to 1681i ( a ) if proof is not provided within thirty 30 days the account should be DELETED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: AR

Complaint narrative:
Recently my student loans were bought by Nelnet from Great Lakes. They told me interest starts again in XXXX. However, I am a student and am trying to get payments deferred. I tried to make an account but the website says unable to make an online account. I tried resetting my username and password ( in case the account transferred over ) and it says it sent me an email but won't tell me what email it was sent to so I never received anything. 

I attempted to call the customer service line within the stated hours on the website, and it keeps telling me there is a 30-minute wait, followed by its 'out of hours ' then forces an end call. I have called them at least 5 times between XX/XX/XXXX and XXXX. 

This is either a predatory action to make more money due to interest by making the process for customers overly complicated and confusing. Or this is straight-up negligence and this company should not be in the finance field.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: PA

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my credit report. I recently retrieved my credit report and it showed credit inquiries that I have no knowledge of ever authorizing.

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 2023-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I keep getting calls from wells fargo starting I am did not make my last payment and indeed I did and they are claiming that I can not get my title unless I pay about {$400.00} by today and they call me every week. However, I already own the title so I do not understand why I am being harassed regarding this.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my experian credit report and noticed that this specific credit company ( experian ) has tied my name with someone with similar name criminal history. Ive never had any sort of criminal background

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 2023-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Someone use my information to purchase a vehicle I reached out to the consumer to let them know once I was aware of this account I would like this removed from my account immediately please thank you I did not purchase a car with this company I been sent in a police report stating my identification was stolen and they had the person in custody for using my name

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 2023-08-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Bright Capital Inc
State: KS

Complaint narrative:
I was looking for companies to consolidate my debts. And I was just looking for companies online and I wanted to see what the company bright did so I put it on my information and I just assumed that when I link my credit cards up that's when they would charge me to consolidate my debt well about a month later they end up taking {$99.00} out of my account. I've contacted them about XXXX times and sent numerous emails and they keep sending me the same email over and over and over again and at the time I was so frustrated I had canceled my account or deleted my account I'm sorry and when I figured out that when they when you asked for a refund they put it in your stash I re-downloaded the I put my account back in and now it's saying it didn't take any funds from me and I just want my money back I tried to call them they're not answering I've emailed and emailed and emailed I've contacted them on chat and I'm getting nowhere with them so I guess I'm going to have to come raise a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: IA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX  XXXX XXXX XXXX : {$490.00} XXXX XXXX XXXX  XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: IA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX : {$710.00} XXXX XXXX XXXX XXXX XXXX : {$490.00} XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have several hard inquiries that I have not authorized that are on my report.

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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: FL

Complaint narrative:
Please check to see if there is a Discover Card in my name ending in XXXX. If there is please close and report to proper law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a purchase for XXXX EUR with my Citibank credit card on XX/XX/XXXX and was charged XXXX USD + an additional 3 % foreign exchange fee. The XXXX was based on a conversion rate of XXXX EUR XXXX XXXX USD as I was told by Citi. However, the official exchange rate on XX/XX/XXXX was XXXX. 

I understand that banks/credit cards use rates that are somewhat different from the official exchange rate, but this difference seems quite outrageous, especially since they also charge 3 % foreign exchange fee on top of it. 

Citibank refused to explain to me how they determine their exchange rates and only sent me a document with vague description that doesn't really say much ( 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 explanation
Consumer complaint received 2023-08-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: GA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX ; XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance Owed : {$650.00} ; XXXX  XXXX Balance Owed : {$170.00} ; XXXX  XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$24.00} ; XXXX XXXX XXXX XXXX BalanceOwed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Owed : {$790.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$2100.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$1000.00} ; XXXX  XXXX XXXX Balance Owed : {$800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$270.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/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 2023-08-30 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:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a Best Buy credit card which I setup with auto-pay when I opened the card several years ago. However, I hadn't used the card for some time prior to making a purchase about two months ago. Unbeknownst to me and without any prior written warning - Citi turned OFF my auto-pay and today tried to slap me with a {$30.00} late fee. 

They reversed the charge when I called them directly but more concerning is that the Citi rep : a. ) Couldn't tell me what exactly the 'idle ' time was on the card before Citi decided to turn off auto-pay. 
b. ) Couldn't tell me why no communication was provided for this 'feature ' of the card. 

This seems extremely predatory- and the likelihood that many consumers just pay the late fee is probably quite high - making the whole process seem like a violation of UDAAP Section 3. I also wonder if there is some loophole for 'Loyalty " cards that allows them to do this - because I have several other cards, both from Citi XXXX XXXX XXXX XXXX XXXX XXXX that have never had the auto-pay simply get turned off without warning because I haven't been using 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 monetary relief