vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
on XXXX XXXX XXXX i opened the account with citibank for {$25.00} by XXXX then on the XXXX of the same month i zelle to the account {$300.00} and then the XXXX of the same month i XXXX to the account {$1.00} to verify that the account is working because since i got the debit card on the mail it have never work almost 3 years now and they wont release the fund availableon my account.

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 2024-03-03 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: IL

Complaint narrative:
I have called multiple times regarding unauthorized inquiry from XX/XX/2023. I have not applied for credit and did not authorize this inquiry.

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 2024-03-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: ME

Complaint narrative:
CCS Collections/Credit Collection Services of course knows they are not licensed to collect debts in XXXX, yet they are reporting debt I allegedly owe on my credit report, reporting 3 separate collection accounts. This company is an arm of The CCS Companies. I never had a contract with them for any debt and I do not recognize these debts, they should not be reporting at all on my report. I have tried disputing this with the credit bureaus and provided proof that CCS Collections of XXXX XXXX XXXX in XXXX, XXXX  XXXX is not licensed to collect in my state ; XXXX has removed them, but XXXX and XXXX refused. Additionally, they reported to the credit bureaus ( under the contact information for them on my report ) that they are in XXXX, XXXX, instead of XXXX, XXXX, which is odd. This company practicing debt collection in states they are not licensed in that require debt collectors to be licensed ( which XXXX  does ) is unacceptable and illegal. They are not following reporting requirements either, because XXXX and XXXX have 2 different dates of last activity. I will attach a screenshot of which states they are licensed for that shows that Maine is not included. I am not able to see the account number for one of the 3 collections they are reporting, but the other 2 account numbers are XXXX and XXXX.

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 2024-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
Me and my partner are looking to purchase my Grandmothers house. We are looking to assume her loan since it is an FHA loan and she has a good interest rate. We started this process with Mr.Cooper in XXXX of 2023. It took them a while to send us the application to fill out by mail. When we did receive the application we promptly filled it out and returned it to them. We didn't hear anything back for a few weeks, so we contacted them and they said they didn't receive our application. Instead of trying this process over again they allowed us to submit our application and documents online via one of their secure web browsers. We submitted these documents XX/XX/2023. I was told this application process wouldn't take more than 6 months to complete. Mr.Cooper has my call records of me calling them each month for updates and they tell me the same information. That they are waiting on my application to be approved and accepted by a loan officer. After me constantly calling they finally forwarded our application to a loan officer on XX/XX/2023. We submitted the required information the same day. I thought after getting a loan officer we were moving in the right direction, but it was the exact opposite. That was the last time I would be in contact with our loan officer. I emailed him XX/XX/XXXX of 2023 and didn't hear anything from him. After not hearing back from our loan officer I tried contacting Mr.Coopers customer service a few weeks later. They are never any help because they claim the assumption department is an internal department and they have zero information on our application. They tell me they will forward this to them, but I never get any phone calls or emails from the assumption team. I have tried contacting them numerous times, but essentially I am getting ghosted by the assumption department. To me it looks like they do not want to complete our assumption application because they aren't going to be profiting from it and if they ignore us long enough we will go a different route. I think it is unacceptable and unprofessional to do what they are doing to us. It has almost been a year since we have tried to start this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This account was paid off in full in the month of XX/XX/XXXX somehow XXXX XXXX XXXXXXXX took the payment back after XXXX confirmed and accepted payment. It was after I was locked out of the XXXX app that I realized there was something wrong I was further denied access to the checking and savings accounts along with making in person payments at the sister branches in which payment would be made through due to this credit union not having any local branches in my area and the blocked access to the accounts and use of the payment options through the sister branches I had no way of fixing this issue as the address on the back of the credit card is incomplete/not the correct one to send payment to once something like this happens. It was not until XXXX that I discovered/received a letter stating that the account was charged off. I did NOT receive any 1099 form reflecting the charged off amount, but yet I was told that the other accounts would remain open until XX/XX/XXXX, then closed and at that point I can reapply for membership but not guaranteed to get XXXX due to previous history. I was sent an email on how to make payment for the full balance which I remitted a Cashier 's check to XXXX in the full amount due. XXXX received the payment accepted the payment cashed the check and still reported/updated this account as being accurate Charged OFF unpaid. So basically, we have an issue where XXXX Wrote Off the {$1900.00} and received certified payment of {$1900.00}. as of XX/XX/XXXX which they continued to report inaccurate information at this point XXXX has written off this debt as a loss and then collected full amount due while failing to provide the XXXX credit bureaus with true, accurate and correct information.

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 2024-03-03 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: OK

Complaint narrative:
I am getting started on the home buying process. I have worked extremely hard getting my credit scores where they need to be. This week my Transunion credit score dropped close to XXXX points, putting me in the XXXX. They have told me the only change was a credit card purchase of less than {$100.00}. My XXXX, XXXX, and XXXX scores continue to increase. This drop has ruined my home buying process with no reasoning or offer to help find the issue. Transunion has been no help at all in finding a discrepancy.

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 2024-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
After a lease denial I requested a refund from the leasing office. Who then proceeded to provide no communication about the refund. Soon followed up by them attempting to collect a debt with no notice before reporting it to the credit report agencies.

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 2024-03-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I received an Amex gift card in the amount of {$700.00} as a XXXX bonus from my job. I received the gift card electronically on XX/XX/23 and Ive been saving it since. I have some big purchases Ive wanted to make recently and in each and every iteration my card has been declined. I went to the Amex gift card FAQ website and called their alleged helpline but the suggestions were utterly unhelpful and the phone line only contained pre-recorded information. They suggested I make sure I have the balance on the card ( I havent used a dime ), make sure it was activated ( it is according to their website ), and to make sure to use the XXXX. Every purchase Ive tried to make has included the XXXX and its still been rejected every time. A few examples of what Ive tried to purchase with this card : XXXX reservations, clothes from online retailers, train tickets ( online ), tickets to events ( online ). The card was declined every time. Amex says it has implemented new security measures, but whatever theyve done has made the card functionally unusable. XXXX XXXX XXXX  is a lot of money to be losing due to Amexs incompetence and I would like to find a resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX I opened an account with XXXX XXXX to get access to a XXXX XXXX. I had begun repayment to this XXXX XXXX and in the month for the month of XXXX I fell behind on my payments and needed to catch up. I had then decided to repay the past due balance, but the representative at the time misinformed me of the proper process to repay that exact balance and instead had me pay the amount that was current on the account. I then expressed my concern and disappointment I had in XXXX XXXX as they failed to take any accountability in the management of my account. This event would then lead to them putting my account delinquent on my credit and has been so since then. Fast forward to XXXX of XXXX I was able to pay off the entire past due balance, and get my account positive, and since then I've approached XXXX XXXX on multiple occasions about the error they've made in the management of my account. On my Experian report it now shows that my last payment was in the month of XXXX, and that I began missing payments in the month of XXXX. What's frustrating now is that on my XXXX report there's not only the absence of this account, but nothing for the Net Credit on file at all. On the final credit bureau XXXX contains a file for Net Credit, yet they claim I never made a payment for XXXX, and that I missed a payment starting in XXXX and not XXXX like Experian suggests with their report. Attached I have the reports for all three agencies, and I now plan to get all three credit bureau reports matching with 100 % identical and information as this is my right as a consumer. Per the laws set in place I know that this account presents problematic information as it not only is contradictory to the first claim of being 100 % accurate, but it also contradicts the claim of being fair as it shows information on one report that isn't replicated and matching to the other two available.

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 2024-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2024, I mobile deposited a third party rent relief check that was given to me by a past tenant that owes me for 18 months of rent, she endorsed the check over to me and i also endorsed the check. I then mobile deposited it and received an email from NFCU stating that they have approved the check and i will have access to my funds within two days. This is not the first time i deposited a third party check and the funds where available in my savings account i had sent my daughter to pull out money to pay some bills, she accidently put her pin number forgetting it was my card, so the atm ate my new debit card, ( 2nd transaction with new card ) my account was frozen afterward, so i called NFCU, to unfreeze the account and order a new card, the agent on the phone said my account was not frozen so i said i would go into the bank to get new card. When i went into the bank the banker was on hold with the department that could help me, I could not stay to wait, for i had to leave to pick up my my grandkids from school, the banker said she would call me when the account was unrestricted. She never called so after two days when i was finally able to get through to the security department, they verified me, and then verified my devices i use to access my online banking, and then i verified my last withdrawal and location but when asked what card i used to withdrawal i had said the last four digits of my previous card forgetting that i had just recieved a replacement card so they said they will remove the restriction on my account but they will not allow me to use the funds, they took the money out of my available balance and are holding it until the third party and i go into the bank with our IDs, mind you i have already went into the bank and verified my ID, i told then it could take months before i can get a hold of my former tenant, for she is in some type of bootcamp or program, etc. They told me then id have to wait till then, My rent and bills can not wait, NFCU is not paying for my late fees that i willl have to pay, i submitted the a security appeal with NFCU and they did not even review the documents of my former tenants ID AND SSN, with the notarized affidavit she had left to me incase of situations like this, NFCU said since my account was not restricted no more that my appeal wont be accepted! So how is it that they are holding approved funds and they are borrowing my funds while im not being paid interest, not that i would like interest still to be paid because i would rather have my approved funds. I also then asked to have my accounts closed because im unhappy with the bank and no longer want a relationship with them. They denied me that. should i retain a lawyer?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: GA

Complaint narrative:
Notice to Agent is notice to principal notice to principal is notice to agent. 

On XX/XX/year> you received my dispute regarding some transactions and late payments furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you stating that the account was verified!!! 

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? 

Furthermore lets take a look at 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required byis mailed or delivered to the consumer not later than 21 days before section 1637 ( b ) of this title the payment due date.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy.

What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.

The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Furthermore, this process must be certified by an agent that the information is accurate.

I am requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate.

Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you have fraudulently verified an account without a reasonable procedure as required by law.

Delete these incomplete and unverifiable accounts and transactions from my consumer reports :

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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Trans Union received my dispute via CFPB # XXXX submitted on XX/XX/XXXX and Trans Union acknowledged receipt on XX/XX/XXXX and as of today more than 35 days later I still have not received results per their investigation. 
My dispute was based solely upon my privacy rights being violated because : FCRA 602 states I have a right to privacy and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without written instructions.

Trans Union requested information knowing that I have uploaded my identification TWICE and have sent it two other times by regular mail I can prove they received my I.D . Via CFPB uploads.

I am listing the following accounts in my dispute and again I demand that they be deleted in accordance with the Gramm-Leach -Blilley Act 6801,6802 and in accordance with FCRA 602 and FCRA 604 ( a ) ( 2 ) because they do not have written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX I am uploading my I.D . again in this dispute. 

In accordance with FCRA 611 ( a ) ( 1 ) ( A ) Trans Union has failed to conduct a reasonable investigation within 35 days and is compelled to delete the accounts entirely.

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 2024-03-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I leased a Vehicle in XXXX from XXXX with an option to purchase at the end of 100 payments. My final payment was XX/XX/XXXX ; however instead of invoicing me for the {$3400.00} purchase amount XXXX added it into the payment plan at the end of the lease. This account was not reported to the credit bureaus until XX/XX/XXXX and the information has not been corrected. I have sent documentation supporting my case however Equifax refuses to correct the problem and tells me the creditor verified the information as being correct. This has really damaged my credit significantly. They claim I have missed payments which is not true now they are claiming I owe a balance of $ XXXX. Equifax knows the correct balance I sent them documentation from XXXX to backup my claim ; however they refuse to correct the information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today ( XX/XX/year> ) I attempted to log in to make my next Capital One credit card payment and when I did I was greeted with a message that read, " Your account charged off and has an outstanding balance. You're responsible for paying this balance. We want to work with you to help put it behind you. '' I am paid semi-monthly by my employer and I make a payment on my Capital One card every paycheck ( XXXX ) so that I am never late, and I pay well over the minimum each for each payment. My most recent payment was on XX/XX/year>. My credit score is over XXXX. I have attempted to call the company using both the number on the back of my card and the number provided on the website. Capital One advertises a " no hassle '' policy and the phone number on the card has always been a XXXX number. Nobody picked up on either number. I went back to the website to email or otherwise contact the company through the site, and there was no way to do so. The " contact '' link simply brings you to a series of FAQ pages on different topics. I checked my email for any correspondence from Capital One regarding this " charge off '' and I had nothing on the topic. I have received no notice from the USPS mail either. Is this what consumers have to look forward to when Capital One merges with XXXX?!! I have had this account for nearly 20 years, with XXXX Fixed rate. I think the bank has shut my account because the fixed rate is so low.

Company response to consumer: Closed with explanation