vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-21 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: CA

Complaint narrative:
This is regarding CFPB Complaint number XXXX. This issue remains unresolved. After I received Nelnets response stating that they need my pay frequency in order to process my SAVE application, I was left with two options 1 ) call them to provide that info, 2 ) email them to provide that info. 

I immediately emailed them and received an automated response basically saying that they wouldnt get back to me because theyre getting too many emails. Then I was on hold for over two hours until I reached someone. I told that agent that I am paid monthly and asked how long it would take for my SAVE application to process and she said 10-15 days. The agents name was XXXX and her code was XXXX. This is the third time over the course of 3+ weeks that Ive been told my application will process in 10-15 days. This is unacceptable and its absolutely unacceptable to wait over 2 hours to speak to someone on the phone. If I hadnt filed a CFPB complaint, I would have never known what was wrong with my application, because Nelnet never sent me a notice about it. XXXX logged a complaint about the insufficient notice during our call yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: PA

Complaint narrative:
I just checked my credit report and seen a charge on there that I did not give consent it says i opened up a bank account last XXXX in Missouri when i live in PA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Checking account is being closed do to suspicious activity on 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 explanation
Consumer complaint received 2023-09-21 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: NJ

Complaint narrative:
I can't be affected by things that don't belong to me, I need this to be removed immediately 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 2023-09-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Online account would not let me log in. Did not receive letters in the mail, nor anything to my email address about payment being due. Additionally, company never sent account over to a collection company so I thought it was paid. Account was paid in full in XX/XX/2023 after viewing on 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 explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
CREDENCE RESOURCE MANAGEMENT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2023 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: American Heritage Lending, LLC
State: IL

Complaint narrative:
In XXXX using my corporation XXXX XXXX, XXXX. I purchased a property with funds from hard money lender company American Heritage Lending LLC based in California. The property needed restoring work and didn't qualify for a normal loan. I purchased it with my corporation. The lender requested {$46000.00} in funds for repair and placed them under their control. In our contract, these funds should be accessible on stages and during the property 's remodeling. After the loan was established, another company took control over the funds XXXX XXXX XXXX. Both companies involved in the process never ever gave me access to my fund and always were transfering my calls back and forth. During the last three month I asked for a pay off amount on the loan. Now I am on the title of the property and want to refinance on my name. I want to refinance with a regular loan. XXXX XXXX XXXX is sending me a pay of balance of {$230000.00} - $ XXXX $ XXXX {$180000.00} During the loan term I was paying interest of 11 % on the entire amount of {$230000.00}. I wasn't able to access my {$46000.00} and now I also can't. 
I need my rehab hold back in advance or the latest at the time of closing where I will repay the loan amount of {$230000.00} back. 
I can't access the American Heritage Lending LLC company. There always is someone who gives promises to let their superior to know and return my call, but it never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: DC

Complaint narrative:
My TransUnion score. on XXXX XXXX, 2023 was XXXX on XXXX XXXX drop XXXX XX/XX/XXXX drop XXXX XXXX XXXX drops XXXX XXXX XXXX drop XXXX XXXX XXXX drop. XXXX XXXX XXXX drop XXXX, From my understanding. The more you pay off your debt the higher your score goes. TransUnion is stopping. me from buying a house with the dropping of my score even though I`m paying off debt. I can seen you copy of my score.

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 2023-09-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer reports being fair and accurate to me. TransUnion and XXXX continues to report a bankruptcy on my credit report when I have disputed and sent them proof several times from XXXX XXXX that they were unable to verify the accuracy of the bankruptcy and has removed it from my report. I just recently obtained documentation from the United States Bankruptcy Court as well that sates they do not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. XXXX and TransUnion has both sent me letters stating that they reached out to the Court and the information came back verified which is a total lie considering their response. I don't understand why they continue to tell me that it has been verified as accurate. Pursuant to 15 USC 1681 ( a ) ( 2 ) - this careless mishap that these companies have caused has ruined my reputation and has adversely affected my creditworthiness. I am being denied credit because of their grave errors which has caused me XXXX  XXXX and XXXX. 

I demand that this information be removed from my credit report immediately and once removed that it does not show back up 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 2023-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: ARVEST BANK GROUP, INC.
State: NE

Complaint narrative:
I paid off my Mortgage on XXXX. On the day that I wired the final payment, I received an email from Arvest Bank that stated the taxes are next due XXXX and insurance is next due XXXX. On XX/XX/2023, I received a letter from the countXXXX treasurer stating that my real estate taxes were overdue. I immediately called Arvest Bank and voiced my concerns about their mistake. They told me they can't do anything over the phone and I would have to email them and make a formal complaint. I proceeded to email them on that same day and explained their mistake. I told them about the letter they sent me and how it states everything was paid. I also reminded them that interest is accrued daily on overdue property taxes so I would like this handled quickly. They responded to my email the next day stating they would have to forward this to their tax team. I never heard back from them, so I emailed them again on XX/XX/2023 reiterating that I have not heard back from them and to remind them again that interest is accrued daily on this overdue payment. Finally, on XX/XX/2023 they email me back and state it is not their responsibility to pay the taxes and that it is my responsibility to not only pay the taxes but also the interest accrued. What I would like to know is where did that money go from where they specifically stated that my taxes were paid until XXXX and also why am I responsible for paying not only the taxes but also the accrued interest due to their slow response time?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: TX

Complaint narrative:
Sent the Equifax bureau certified letter over 40+ days ago regarding fraudulent inquires on my account and haven't received a response. So I then called and they didn't address issue over the phone either. 

Also sent the XXXX XXXX certified letter which they responded to with solicitations for their services and disregarding the reported fraudulent inquiry I asked to be removed. 

These need to be address immediately as it's negatively impacting and misrepresenting my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a deeply concerning matter regarding my recent experience as a new customer with Citibank. I opened a Citibank account online in XX/XX/2023, attracted by a {$1.00} Cash Bonus promotion for new account holders with {$75.00} of deposit. Unfortunately, my experience has been far from satisfactory, and I am turning to you for assistance in finding a resolution and fair compensation for the issues I've encountered. 

As per the terms of the promotion, I diligently followed the provided links and deposited {$75000.00} into my Citibank account. I ensured that these funds remained untouched for the required qualifying period, with the expectation of receiving the Cash Bonus as promised on XX/XX/XXXX. 

To my great disappointment, I have not received the promised Cash Bonus as of today. Despite my multiple attempts to resolve this issue through Citibank 's customer service channels, including chat and phone support, I was met with frustration. Citibank representatives informed me that there is no record of the promotion being linked to my account, which is perplexing given that I meticulously followed all the necessary steps during the online account setup process to qualify for the promotion. 

I kindly request that the CFPB investigate this matter on my behalf, recognizing the documented steps I took to participate in the Cash Bonus promotion and ensuring that I receive the Cash Bonus as originally promised. Additionally, I believe that fair compensation for the inconvenience, financial loss, and time spent trying to resolve this situation is warranted. 

I trust in the CFPB 's commitment to consumer protection and ask for your assistance in addressing this matter appropriately. I will cooperate fully and provide any necessary documentation to help resolve this issue promptly. 

Thank you for your attention to my concerns. 

Sincerely,

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I contacted XXXX XXXX due to a fraudulent reporting on my credit as a charge off for this unknown account. XXXX XXXX stated over the phone, I spoke with XXXX, stating how there is no accounts connected with my social security number so that means someone is reporting fraudulent information on my behalf. This is disastrous to my well-being and my future plans. I am in school trying to apply for a new apartment and I was denied due to incorrect information reporting through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: NY

Complaint narrative:
I've ask Experian to investigate XXXX XXXX XXXX, There is an inaccurate account that shows up on my credit report that should be remove immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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:
PLEASE REMOVE THESE ACCOUNTS AND INQUIRIES, BECAUSE ISNT MINE XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX INQUIRIES 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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I can't be affected by things that don't belong to me, I need this to be removed immediately XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 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: NJ

Complaint narrative:
I can't be affected by things that don't belong to me, I need this to be removed immediately 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