vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-25 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: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
On XX/XX/2023 I experienced inquiries causing harm to my credit worthiness, and I the consumer and or the beneficiary have received no benefits according to My consumer report must be accurately & fairly investigated per 15 USC 1681 ) A Consumer Report only includes the " identity of the consumer '' nothing related to ANY transaction. This would result in violation and I demand these derogatory accounts be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I made an appointment with Bank of America financial institutions on XX/XX/2023 after several phone calls to bank of America financial institutions and being recommended to visit XXXX XXXX XXXX XXXXXXXX Bank of America branch..

I spoke to a manager Bank employee name XXXX XXXX and he informed me that he could not find my account and i did had provided a copy of the court documents granting access to my personal bank account and he insisted that he could not find the account... .he said that he will talk to the other employees..banker to see... .because the XXXX banker was out in XXXX... 
XXXX XXXX email address : XXXX Other banker email Address : XXXX XXXX and no one has call back and after I call I was informed that XXXX XXXX had not find my account ... ..that was last spoke to the Bank of America Financial Institutions

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 2023-11-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Medisys Ventures
State: NY

Complaint narrative:
I was charged for a medical bill and I have insurance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK
State: IL

Complaint narrative:
I received a letter from Discover letting me know they have been over charging my account with interest since XXXX. They sent me a letter on XX/XX/XXXX stating that they were sending me compensation and would reimburse me for 12 % of the over charged fees. I have asked for documentation explaining how much was over charged and details of this from the past 7 years so I could presume they reimburse me the full 100 % and not just 12 % of what I overpaid in interest the past 7 years. 

I have requested these details more than one occasion through phone calls and also through their messenger on their website. 

I spoke with someone on XX/XX/XXXX to have a supervisor call me but they said they would not get back to me until Wednesday, XX/XX/XXXX because it was a holiday. I received no attempted phone call from a supervisor and then sent Discover a message saying no phone call was made, they then responded to call back to have the issue resolved. I messaged again back a forth letting them know the issue still had not been resolved and no phone call had still not been made. I have records from my phone company showing they did not make a phone call and I also have a recording of the conversation with their knowledge of me recording the conversation. 

I also am in a bankruptcy and they claim they can not send me documents due to this but they have sent me 7 documents just this year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: VA

Complaint narrative:
These are fraudulent accounts please remove immediately below is a list of accounts and dates showing as opened 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 explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
" Have Three Accounts That I disputed with Experian XX/XX/XXXX there was no verification letters mailed or anything showing how accumulated these Late Payments and Balances came about So therefore since no current history of Transactions with my Signature has not been Produce I request They Be Removed, instead of Updating '' : 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 explanation
Consumer complaint received 2023-11-25 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account number under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: OH

Complaint narrative:
My prior loans with Great Lakes estimated my pay off date to be in the mid to end of XXXX under the IBR plan. I have a photo of this information to prove it from Great Lakes in the past. This is roughly about XXXX to XXXX more payments. This is also why I did not enroll in any other program for forgiveness. Well, when I tried to see this on my NELNET account, the info is no where to be found. I called in requesting the information and nelnet told me I actually had over XXXX payments left! I told them that this is not at all what my prior loan servicer had me set on. NELNET expressed that they had no more information and that maybe they are missing some information. Since loan forgiveness from XXXX began, it seems that every call I make to student loan servicers land me with inaccurate information and also no one knows any definite answers! This is not right. I could have missed out on opportunities get better terms or simply just be informed about my student loan repayment status. I am basing my life off of information given to me in the past and now it seems to be all changed. Im really confused and need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: SC

Complaint narrative:
I have an inaccurate account on my credit report and need it remove I provided photo on the inaccurate 's.

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 2023-11-25 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I never gave these companies the right to run my credit report and it was run many times without my consent or knowledge, upon reaching out to the credit bureaus they did nothing to remove them. 

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 explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Fraud charge of over {$600.00}. Dispute was resolved but in the process another card was opened without my authorization. Im told it has a balance and was closed because the balance was unpaid. I can not get any information from Synchrony about the matter. Their customer service is the worst I have ever experienced. They never leave voicemails when they call, so I dont ever know what they are calling about. They have no clear records of prior interactions, so I talk to someone new each time who has no info or incorrect info and continue to be transferred without getting to anyone who can answer my questions. A supervisor said they couldnt talk to me because I needed to talk to the recovery department. I had just spoken to the recovery department and was transferred back to them. Im an honest customer trying to make sure I have my balance correctly paid and have excellent credit. I should not have to go to such lengths to resolve a fraud dispute or ensure my balance is paid off or to get a straight answer about how many accounts are open to ensure there isnt identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX RE : Account Number XXXX XX/XX/XXXX To Whomsoever it May Concern : Thank you for taking time to read the contents of this letter. I am writing this letter because I took notice that my most recent credit report comprises a paid closed account reported on XX/XX/XXXX for my XXXX XXXX XXXX XXXX  account. 

I have been an customer of XXXX since XXXX of XXXX, and I am contacting you to see if you be willing to make an " Good will '' adjustment to my Experian, XXXX, and XXXX report. I had only one late payment in XX/XX/XXXX due to losing my job during XXXX XXXX. I have always been an excepional customer, and this negative inquiry is making it hard for me to get financing for a new home. I would like for you to consider deleting the negative inquiry from my credit report. I have been a happy customer in the past and hope I can continue that relationship with XXXX XXXX. 

Kind Regards, : )

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 2023-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Either Synchrony Bank or XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX And Synchrony XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX are reporting a debt of {$600.00} owed. When I sent letters to validate, called to get more information and tried to contact you to make arrangements to take care of this obligation and to have it removed from all three credit bureaus with no response, not even to validate. I have never received communication about this in writing upon request.

I would like something in writing that shares how you would be willing to delete this negative account from my three credit bureaus if paid in full. 
Please send it to me via email preferably to XXXX or by mail. This negative mark on my credit report is causing my credit to decrease, and I am trying very hard to qualify for a home. Please give this matter the attention it deserves. I believe that if you are to make negative marks on my credit reports that you should also be amendable to making arrangements to address the matter and remove the damaging marks for the three credit reports. 
Please get back to me as soon as you can. I am also sharing this with the Consumer Financial Protection Bureau to investigate as I believe that is your responsibility to work with the consumer and not ignore attempts to rectify the situation. 
When I spoke with your representative XXXX at XXXX ( XX/XX/XXXX ) I was reaching out to try and work on negotiation the payment and removal and he shared that the account was no longer valid. Yet, it still reports on all three credit bureaus. 
I spoke with XXXX on XX/XX/XXXX and he shared that the only accounts I have open at this time are the ( XXXX ) XXXX and XXXX XXXX in good standing and he only had listed no balance on both of those accounts. He mentioned a XXXX and XXXX XXXX but did not share an account number or was willing to make any arrangement for an account that did not exist. He stated that the Date for XXXX was XX/XX/XXXX. As I look at my credit report, this seems to be the obligation that is lingering and your company will not address it with me, will not validate, will not communicate on the obligation and will not return letters wanting to work together to have it settled, paid and removed. 
Please contact me ASAP upon receipt of this letter. I believe that it is not within your right to ignore my attempts to try to work on solutions to this issue. 
Thank you 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 2023-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a personal checking account in Citibank on XX/XX/XXXX, XX/XX/XXXX me and a friend of mine went to XXXX XXXX  XXXX and my friend wired {$25000.00} as a loan to me to My checking account in Citibank. XX/XX/XXXX I found out that my bank account is closed and when I called they said its gon na take 30 days and I would receive a letter from the Citibank. Meanwhile the XXXX was coming and I needed the phones for personal agent matters I have not done anything illegal or anything wrong, I do not understand why they will be holding my phones for 30 days. I went to a branch in XXXX California and I showed all my documentations and credentials. The bank contacted the fraud department and their answer was the same that I have to wait for their investigation for 30 days. The account was not even a month old and I dont understand why the investigation of such a new account will take so long and my phones being on hold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My phone and wallet was stolen and all of my debit cards and account were attached to it. I recovered my belongings after a short time and reached out to the bank because I had to dispute some transactions that had taken place on account of the theft. I was given provisonal credit for XXXX transactions, although there were more than XXXX I had disputed. When I disputed the transactions my debit card was not cancelled. Several days later I called to check on the status of the disputes and the agent decided to not only cancel my card that I had been using since recovering it, but dispute transactions that I was very very clear that I had been that XXXX that made the transactions. Several days later, after explaining to them that my check was being deposited into the account Citi Bank over nighted me via XXXX a new debit card. I acivated my card and logged into my online banking online to discover that they had XXXX closed my account for Fraud and they will not give me any information and I am unable to access my funds or print and itemized statement of my checking account which I need for court.

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 2023-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
We have received the derogatory public record of credit collection. Our credit is damaged by the bill that is in the disputed state. We have requested to put the bill in dispute state but the collection agency did not follow the regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: Shellpoint Partners, LLC
State: MA

Complaint narrative:
XX/XX/ had a XXXX XXXX XXXX XXXX. Forced to retire ( XXXX ) because of diagnosis of XXXX XXXX XXXXXXXX. I Also have XXXX XXXX XXXX XXXX XXXX but manageable for 9 years all documented. Paid XXXX XXXX XXXX XXXX XXXX asked for forbearance in XXXX XXXX XXXX XXXX XXXX XXXX  because I was not approved for XXXX XXXX  till XXXX XXXX XXXX with no back pay and had to wait till end of XXXX for first payment. All paperwork was given to New Rez shell-point mortgage, Showing dates of payment, how much, and proof of XXXX. My wife also retired on XX/XX/ from the state of Massachusetts she also was delayed till XXXX in getting retirement from state because of Covid reasons they say. This means we lived off our savings for over 5 months. In XXXX I called New Rez Shell-point and asked for another 3 months of forbearance which I was granted and assumed XXXX XXXX XXXX XXXX in XXXX  i called back New Rez Shellpoint and explained my check was not coming till end of XXXX can I have XXXX more month to get by, I was granted that month and I started paying on XXXX XXXX XXXX XXXX XXXX I worked out a payment plan for escrow in negative by increasing my mortgage payments by XXXX which was approved by them, also asked for the forbearance to be added to end of my mortgage payments and was approved. I called in XXXX to see about borrowing some equity to pay off existing bills. To my total surprise I was told I didnt pay my mortgage for 4 months XXXX XXXX XXXX and it was reported to credit bureau XXXX XXXX and I was denied any kind of loans. This has destroyed our credit and any ability to help our situation of having to retire when I was not ready. I sent letters, I was given the run around for over a month. Then was rudely handled by a manager. Why would anybody ask for Forbearance if it was still being reported and destroying your credit it doesnt make sense. I was laid off during Covid 18 months given forbearance not reported to credit bureau. Under the care credit act this situation should have not been reported to the credit bureau. I need help getting my bills paid off in case something happens to me and my wife is left alone. all it would take is some equity which is really my money anyways! L

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I deposited the following checks at BMO Harris that were named out to me & a previous mortgage lender ( mistakenly addressed by my home insurance provider ) on XX/XX/2023 for Insurance payments to a 3rd party who did repairs on our house.

Check # 1 - {$5000.00} - Mobile Deposit Check # 2 - {$9500.00} - Mobile Deposit These checks are placed on hold because I deposited these checks with only my signature but they were addressed to myself and a previous mortgage lender I had no relationship with anymore.

I contacted the bank to figure out what needed to be done to release these funds so I could pay the 3rd party repair vendor & they explained I would need an affidavit signed by the other party on the check. Because I had no relationship with that mortgage lender at that time they would have no reason to sign those checks. I contacted that previous mortgage lender to be sure & they were not able to assist. I also contacted BMO Harris local bankers & their main support line over email to provide information on mailing the required affidavit & official procedure needed on the outside chance that previous lender could sign. I followed up three times with the bankers near my house by phone & twice to their general support email for affidavits. No response was ever given & no information ever provided. 

So they accepted these checks without the correct signatures & kept them on a hold until XX/XX/XXXX when I noticed there was a COE claim on both those checks.

I called weeks after that happened to find out what that meant & what were the steps to either reject those funds back to the insurance provider so correct checks could be made out or what that COE claim meant for more information. They explained to me they could tell me nothing repeatedly about what that claim meant.

The funds are now gone from the bank. No information provided by the bank & Im starting to receive fines from the city of XXXX for being on collections with the vendor who made the house repairs. 

I can provide screenshots of these checks when requested. 

Please assist in this situation. I have no idea what to do at this point. Nor the bank or insurance provider has been able to find a solution.

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