vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CARD Corporation
State: AL

Complaint narrative:
I'm filling a complaint against card because I had money own my card and it got stolen and some one spent every dime I had own the card then they call and had the card closed with out my knowledge know I don't know how I'm going to get all my money back because I don't know the card number no more they is wrong for what happened then they trying to get rude I'm seeking mediation for XXXX dollars for them not letting me know all these transaction history I feel like they trying to ruin my credit report down the road

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account NoXXXX has violated my rights -- see XXXX references below XXXX ( Client account number is XXXX. ) 15 USC 1681 Section 602A states that I have the right to privacy.

15 USC 1681 Section 604A, Section 2 states that a consumer reporting agency can not furnish an account without my written instructions and consent. 

Therefore, XXXX XXXX XXXX XXXX has violated my right to privacy by furnish my account info without my written instructions and consent. 

Thank you. 
XXXX XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account No.XXXX has violated my rights -- see XXXX references below XXXX ( Client account number is XXXX. ) 15 USC 1681 Section 602A states that I have the right to privacy.

15 USC 1681 Section 604A, Section 2 states that a consumer reporting agency can not furnish an account without my written instructions and consent. 

Therefore, XXXX XXXX XXXX XXXX has violated my right to privacy by furnish my account info without my written instructions and consent. 

Thank you. 
XXXX XXXX XXXX email : 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 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/22 I went into my credit union Navy Federal & was told deposit will be available on XX/XX/22 funds sat in my account until XX/XX/22 Ive contacted Navy Federal this is bank negligence, bank competence, discrimination against me because Im XXXX money held in my account been high amounts since Ive joined XX/XX/22 with them. Thus is a legit valid US Treasury Check. Bank gave me a number to call on a letter by mail dated XX/XX/22 & on XXXX of my complaints y'all closed out without verifying this matter. Its caused me to be unable to pay my bills & receive my funds from my Business Taxes for the 2021 year. Ive submitted proof of providing documents on the check. US Treasury can verify check cleared and states paid in their system on XX/XX/22. Navy Federal gave this number on a complaint I filed with yall on XX/XX/22 XXXX, it is not a valid number. Thus needs high level investigation I need my funds out my personal account ending in XXXX, & business account bank has yet to reviewed my money which I deposit way from XX/XX/22. Totaling XXXX in account ending in XXXX. US Treasury trued to contact bank at all numbers given none work to give me a number not working shows yall their the ones lying and trying to steal. I have meeting with a news reporter and will let them see these facts. US Treasury XXXX XXXX  ( XXXX ) XXXX behind IRS Business Refund with guaranteed funds of XXXX valid checks. I busted IRS XXXX XXXXXXXX on XX/XX/22 I will upload documents on XX/XX/22 XXXX XXXX restricted me access from my funds out my personal account. I need my money immediately this matter has dragged on far too long. Next level is a lawyer as Ive written White House congressman is sending in a complaint with supporting docs XXXX XXXXXXXX on my behalf as they too know its my check and its from the IRS XXXX XXXX business taxes at ( XXXX ) XXXX or ( XXXX ) XXXX. I have XXXX children this matter no bank has any right to without customer funds ever especially not a month today is XX/XX/22 thus occurred on XX/XX/22. Thus bank is not following their NCUA regulations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
In early XX/XX/2022, my husband & I received a promotion in the mail from Citizens offering {$300.00} to open a savings account and requiring three consecutive deposits of {$200.00} in order to receive the promotional deposit. I opened the account in XXXX, 2022 with a {$200.00} deposit and made two more subsequent deposits on or before the XXXX of XXXX and then again in XXXX. At that time I inquired of XXXX XXXX if the opening deposit counted toward the requirements of the promotion. She told me it did. XXXX kept the promotional card with the details and we were no longer able to read the requirements, so during the first week of XXXX, I spoke with XXXX by phone to inquire where our promotional {$300.00} deposit was and he assured me that we had fulfilled the requirements and that the promo payment would be deposited 30 days after our last deposit. We never got it. I followed up with XXXX in XXXX, who contacted Corporate and reported back to me that our opening deposit did not count. I believe this is a bait & switch maneuver and that the bank should never have misrepresented their requirements to us. In view of the fact they represented improperly, I believe they should be required to pay us as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in 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 non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in 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 non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marauder Corporation
State: IL

Complaint narrative:
By having my disagreements disregarded, I feel like I'm being taken advantage of. According to a XXXX search, an item will be immediately removed from my credit report if I don't look it over within 30 days. I suggest removing this entry right away. It's not my account, sorry.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MI

Complaint narrative:
To whom this may concern, I recently opened up a bank account with PNC and deposited very large check, that was successfully deposited. In the middle of me trying to withdraw the funds to use, PNC bank froze the accounts and all my money because I feel they do not want me to remove my cash and funds from their institution. Their reasoning is that the security and investigations department thinks there is fraud going on. But clearly there is not because I am the only person who knows about the account And the only person who has access to the account. Ive tried calling PNC Bank several times over the last 2 1/2 weeks and I have not gotten a clear answer on when my funds will be available. I need these funds because they are my source for paying for my mortgage and all of my bills so that my family and I can stay in my home that I have worked so hard to build and make. The answer I get from PNC Bank is that there is no clear timeframe when my funds will be released in accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: WA

Complaint narrative:
I also have open case with ombudsman XXXX which I have not heard anything back. 

I have recently read that the FSA is taking action to target forbearance steering by student loan servicers and believe I was a victim of this practice on at least two occasions : ( 1 ) XX/XX/XXXX when I began my XXXX XXXX I spoke with my servicer on multiple occasions regarding my student loans and inability to pay the amount indicated under my repayment plan. The servicer suggested I enter forbearance rather than income based repayment. This significantly affected my progress toward PSLF as I was working for a qualifying XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  during this time period, as well as my outstanding loan balance at the conclusion of my residency in XX/XX/XXXX. ( XXXX ) XX/XX/XXXX through XX/XX/XXXX. I XXXX  in a XXXX XXXX XXXX  in XX/XX/XXXX and was automatically placed in school deferment. This was an online degree program which I completed while continuing to work full time for a qualifying XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reached out to my servicer when I noticed I had been placed in deferment and asked them to leave me in repayment as I intended to continue to make my payments for the duration of my program. I continued to make payments of roughly {$600.00} every two weeks, which have not counted toward PSLF because I did not have a bill due for this payment period ( i.e., as I was steered into deferment ). In fact, the servicer had essentially conveyed to me that staying in deferment was my only option while XXXX  in school. Additionally, I would like to point out that at the conclusion of my professional education ( XX/XX/XXXX ), I attended a 'required ' exit counseling for my student loans. At this exit counseling, the presenter told a classroom full of XXXX XXXX XXXX XXXX that Income Driven Repayment ( IDR ) would have no benefit to our cohort based on high earnings. The presenter misrepresented the IDR program and undermined the advantages of IDR for a large percentage of this cohort - many of these XXXX  XXXX  could certainly have benefited from an IDR, particularly those who were going to work for qualifying XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). It is my assertion this directly impacted my delay in pursuing the PSLF program, thinking that I did not qualify because " I made too much money '' according to the exit loan counselor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I have been trying to close on a refinance with XXXX Mortgage since the end of XX/XX/XXXX. 

On XX/XX/XXXX, I received the first of many Loan Disclosures : Immediate Action Requested to expedite Home Loan Application emails causing me to believe XXXX was actually moving through with the loan. 

They have conditioned this to death and XXXX XXXX has been nothing but rude and downright XXXX without being XXXX- she has used microaggressions to the fullest extent and she definitely knows what she is doing when it comes to being just short of illegal. 

This ploy and tactic to condition my loan to the extent of the way that they have is to have me give up the loan as they know that this is illegal to state they do not want it. 

I can provide ALL OF THE DOCUMENTATION that I have been asked to provide and followed their instructions to the exact way they wanted it. 

They kept asking me for letters and credit explanations to no end. 

I would like a full on investigation and reprimand of this whole team that " worked '' on my file and I would like to file a discriminatory complaint as well. 

I am trying to upload all of the documentation that they asked for, but even the file exceeds XXXX I will provide that upon request. 

These individuals include XXXX XXXX, the Account Executive ; XXXX XXXX the Underwriter ; XXXX XXXX ; XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was out of work for over a year and a half starting back in XXXX of XXXX. Ive been back working a little over XXXX months now. But during this hardship I faced I have not been able to keep up with my monthly payments. Unfortunately I missed XXXX payments on my account dating back to XX/XX/XXXX and more recently in XX/XX/XXXX which has dropped my credit score significantly. l have called asking for help to remove those XXXX 30 day derogatory marks off my credit report in turn supplying good faith that I will not miss another payment moving forward. But they cant help me in that aspect Ive been told repeatedly though they did remove some of my interest amount off my account which was very kind of them in that regard. This pandemic has beaten me down financially I have no savings at this point Im trying my best to correct my financial status and my credit is vital in that aspect. I would really appreciate some help with this issue. My payments have always been on time besides these XXXX unfortunate events. Ive still remained a loyal customer to this retailer despite all that has occurred.

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 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I feel like my disagreements are being disregarded unfairly. XXXX makes it very clear that failing to review an item within 30 days will result in the item being immediately removed from my credit report. This entry should be removed right away. This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Link Management, LLC
State: PA

Complaint narrative:
I continue to receive unwanted text messages from a company called Capital Link Management about a XXXX XXXX taken out by a family member who I do not have contact with. They text from a different number every time. I respond 'STOP ' every time but then receive another text message from a different phone number. Below are the days, time, and phone numbers from which I have received calls over the last few months. 

XXXX ) XX/XX/2022 at XXXX ET ; XXXX XXXX ) XX/XX/2022 at XXXX XXXX ; XXXX XXXX ) XX/XX/2022 at XXXX XXXX ; XXXX XXXX ) XX/XX/2022 at XXXX ET ; XXXX XXXX ) XX/XX/2022 at XXXX XXXX ; XXXX XXXX ) XX/XX/2022 at XXXX XXXX ; XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I wrote to the bureaus providing my personal information. However, no corrections were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: MS

Complaint narrative:
I just bought a XXXX XXXX. Hyundai Motor finance is the one financing my car. I was signed up for auto payments they started out right but in XXXX they took out 2 payments one XX/XX/XXXX and one XX/XX/XXXX each one was for XXXX. They overdrafted me in my banking account. So on XXXX I called them and told them what they did. Talk to XXXX at that time at XXXX he was going to send me a refund check of XXXX it would take 3 business days to make check and up 7 days for mail to get to me. XX/XX/XXXX talked to XXXX to make sure the guy I talked to before did what he said she said that she would ask for refund cause the guy XXXX didn't send it in. she said it would takes 14 days to get to me. XX/XX/XXXX called to get update XXXX said that the refund had not been issued yet but i could have the extra payment they took out put on my XXXX payment I said ok we can do that. She told me that it would be credit to my XXXX payment by XXXX. Never happened called up there again talk to XXXX XXXX she said that the credit never went thru and she would push it thru. XXXX I called back up there talked to XXXX she said that the payment will be posted by XX/XX/XXXX. Never happened today I called up talk to XXXX a supervisor he said they are really behind and that he would get it posted to my account as soon as possible. I told him that my payment is due by XX/XX/XXXX what happens if y'all dont get my payment posted by then. He said well you have a 10 grace period before you start having to pay late fees. I said I'm sorry sir but I'm not paying no late fees cause y'all already my payment but want post it correctly. I am tired of being lied to and not having my issue fix this has been going on for a month now. I would like this issue fix asap on Hyundai side

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 2022-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received a notification from XXXX, XXXX, Equifax that collection from XXXX XXXX XXXX XXXXXXXX XXXX XXXX for the amount of {$140.00}. 
I have sent out a 609 letter which is a debt verification letter to the company and I have received no response in 60 days. Furthermore, the collection is showing as an open account on my credit, this is a direct violation of Fair Credit Reporting Act. 
I am therefore exercising my right under FCPA to XXXX, XXXX and Equifax to delete collection immediately or I will be suing within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I wrote to the bureaus providing my personal information. However, no corrections were made.

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 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I wrote to the bureaus providing my personal information. However, no corrections were made.

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 2022-08-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I attended XXXX XXXX XXXX and had remaining school loans after they closed their doors in XXXX. My student loan was with Navient, looks like the CFPB reached a settlement in XXXX that forgave the student loans with Navient as well. At this point I still continued to pay because I didn't want my credit to have a negative impact. Will this money be refunded to me?

Company response to consumer: Closed with explanation