vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX I referred my friend who resides in Florida to Suncoast Credit Union ; they were promoting XXXX  gift card bonuses at the time I referred. He met qualifications and no gift card bonuses were sent after the qualification period, to my friend nor myself. We each then called customer service, spoke to various agents and relationship managers, and were given the run around for about 90 days. Today, I still had access to the account. I called again and mentioned that I would be submitting a CFPB complaint if not resolved. A relationship manager named XXXX said she would reach the back office for a resolution. Mind you, this is the same relationship manager who never called back a month ago. The mention of CFPB got their attention, and I am assuming the back office as well. 

Later today, she did call back and mentioned I have to drive into a branch with my ID to resolve the referral issue. I live over an hour away from a branch and that is highly inconvenient with my current transportation issues. I then requested for my account to be closed and membership fee sent as a check to my address on file, and she said they would email a form to my email on file to complete closure ( also unheard of ) and send the check. After the call, I logged back in to send a secure message requesting the closure, but my account has been locked and I have no online access. This was not the case before today 's call, and during their " review. '' I believe they locked my account and decided these measures because of my mention of CFPB, when I was only asking politely for them to please resolve. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX issued a check to Chase bank in the amount of, {$18000.00} to pay my loan off in full. To date, XX/XX/ chase bank has not paid off my account. Chase bank is leaving me vulnerable to taking a hit on my credit, as I have not made payment out of my pocket due to the check being mailed for full payment. I have made 3 attempts to contact Chase bank today to get answers, I have been transferred and disconnected on each call without speaking to anyone to get any answers! My credit is at stake due to the negligence at Chase bank and disconnecting all of my calls with no help. The OCC will be notified as well. Chase is showing my account currently overdue. I need answers!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: WA

Complaint narrative:
I applied for a credit card from a local credit union. They ran a credit report but I had a credit freeze due to previous ID theft and Fraud related to the ID theft. They told me I had to contact the credit bureau to correct my information. I ran my report and saw that when I recently moved, I forgot to update my phone number. I sent a letter with tracking to the credit bureau requesting they update my phone number. Instead my personal statement got deleted and my credit rating dropped precipitously ( about XXXX points ) between XXXX and XXXX yet nothing else had changed about my credit card payments or anything else. I believe it was related to this inquiry in some shape or form. Furthermore my credit scores vary considerably from one credit bureau to another. My XXXX credit score decreased to XXXX. XXXX XXXX. Experience 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 2023-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: NY

Complaint narrative:
I WAS BEHIND IN MY PAYMENTS FOR A NUMBER OF REASONS. XXXX XXXX XXXX XXXX XXXX XXXX THROUGH THE SERVICER, SELENE FINANCE, ONLY OFFERED TO INCREASE MY INTEREST RATE AND DOUBLE MY PAYMENT WHICH I CAN NOT AFFORD AND THEY ARE PROCEEDING WITH THE FORECLOSURE ( C0MMENCED IN XXXXXXXX XXXX  ). WHICH WILL BE SCHEDULED SOON. THEY WOULD NOT EVEN KEEP MY INTEREST RATE THE SAME, LET ALONE REDUCE IT, WOULD NOT CONSIDER EXTENDING MY LOAN TO 40YEARS OR HOLDING ANY PORTION OF MY BALANCE IN ABEYANCE. IT WAS DOUBLE MY PAYMENT FROM ABOUT {$1000.00} TO ABOUT {$2000.00} PER MONTH ) OR NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: FL

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 XXXX Account Name : XXXX XXXX Account 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 2023-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I filed to move to the new SAVE repayment program XX/XX/2023. I was told the process would take no more than two months. On XX/XX/XXXX, I was told a needed to make a payment to switch to the new SAVE plan, which I made the same day. I have called multiple times to verify when my payment plan is getting switched to the SAVE program. I have been told I have been approved and I'm just waiting for them to switch me. I've called 4 times total, waited on hold for over 9 hours and keep getting different dates as to when my approved SAVE program will go live on my account. This has taken close to three months and still radio silence on the part of NELNET. I am getting beyond frustrated with the slow processing, lack of communication and having customer service reps tell me different things without trying to help me in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In my seventh attempt to resolve this issue, I would like to stress that this constitutes my sixth endeavor to address the persistent problem. Despite multiple requests, EQUIFAX has consistently denied me the ability to access my personal credit report. They have adamantly refused to furnish any details regarding my credit history. Attached, you will find supporting documents, including a copy of the letter I previously sent to the credit bureau and duplicates of my personal identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a personal injury attorney in New York with a Law office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I spend part of the year at my home in XXXX XXXXXXXX XXXX  but all my banking and business dealings are in XXXX XXXX Starting on XXXX XXXX XXXX I started receiving calls and messages as to whether I was making wire transfers. I emphatically said No. The calls and messages were from Citibank. It turns out that my 4 Citibank bank accounts had been hacked and compromised in a very sophisticated scheme. Over the next 3 days these fraudsters wired out over {$650000.00} from all my accounts including my attorney escrow account where I was holding about {$320000.00} of clients money. This was done despite me telling the Citibank rep that I was locked out of my account and had not authorized any bank transfers. It turns out that the regular Citibank customer service number had been spoofed and the calls were diverted to the hackers. After the initial notice of wire transfers that I said were fraudulent, I got no further messages, or texts. Moreover, a Citibank Letter Dated XX/XX/2023 was sent to me indicating that due to " suspicious activity '' they were shutting down the app and access to my accounts ( which I did not have anyway since the fraudsters changed my password and I had no access to the accounts ). To my utter amazement, when I got a print-out of the wire transfers about 12 transfers were sent out from my accounts on XX/XX/XXXX at a time when the accounts were supposed to frozen or blocked. At no time did I ever make any wire transfers or approve any transfers. Every one was a fraud and Citibank made no attempt to stop when it was clearly fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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:
XXXX. **Details of the Disputed Information : ** - Account ( s ) in question : On XX/XX/2023 I notified this agency that I was a victim of identity theft via certified mail and as of today XX/XX/2023 this agency continues to report information that resulted from the identity theft. 

Section 605B, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that information may be the result of identity theft, and that an identity theft report has been filed. I provided them with FTC report number XXXX, as well as a block that had been requested. Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to block the reporting of any information in the file of a consumer char the consumer identifies as information chat resulted from identity theft, not later than 4 business days after the date of receipt by such agency of 1. Appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer.

All four requirements were met by me and will be attached to this complaint. At this time the agency has failed a requirement of the FCRA 15 U.S. Code 1681c-2 to block the reporting of the information in my file that I identified as information that resulted from the identity theft, not later than 4 business days after the date of receipt by such agency which is a violation of law and is civilly liable to me for willful noncompliance actual damages sustained by me as a result of this failure under 15 U.S. Code 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Formal Complaint Regarding Equifax 's Failure to Address Disputed XXXX XXXX Account Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax regarding their failure to take appropriate actions in response to multiple disputes I have submitted concerning an XXXX Collection account on my credit report. 

I have submitted several disputes to Equifax regarding the XXXX XXXX account in question, requesting that it be deleted or removed from my credit report. Despite the requirements of the Fair Credit Reporting Act and the information I provided to support my claims, Equifax has not taken any actions to rectify the situation. 
I am seeking the Consumer Financial Protection Bureau 's intervention to ensure that Equifax fulfills its obligations under the Fair Credit Reporting Act. I kindly request an investigation into the handling of my dispute and ask that Equifax take immediate action to rectify the inaccuracies associated with the XXXX XXXX account on my credit report. 

I understand the importance of accurate credit reporting and believe that the unresolved dispute is adversely affecting my creditworthiness. I seek a prompt resolution to this matter and request that Equifax provide me with an update on the status of the dispute resolution. 
Thank you for your attention to this matter, and I appreciate your assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
In XXXX I had lost my job. I immediately reached out to my mortgage lender Wells Fargo to explain the situation and protect my loan. They told me we could work together to fix the problem. Forgo payments and go into forbearance and we will just do a home loan revision. I found a job a week later. I called to make the arrangements and change my mortgage... They told me I was being foreclosed on so too bad. They wouldn't let me make a payment or fix anything and said that it was too late. My family became homeless with nowhere to go. I tried talking to a lawyer at the time but received no help. We have never came back from losing our home. We recently received a cashier 's check from Wells Fargo for {$200.00} dollars explaining they found errors when our home was considered for payment assistance options.

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 2023-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Driveway Finance Corporation
State: TX

Complaint narrative:
I have been trying to cancel a warranty and service contract with Lithia and their dealer XXXX XXXX XXXX XXXX ( TX ). 
I have called Lithia dealer complaints for the warranty and they told me there was nothing they could do as the dealer sold the warranty. 
The service agreement that was a Lithia product they said they could cancel that one but I had to fill out a form and Fax it to them. They would Not take the information over the phone nor email. 
I fe at this LOI t that they are making it intentionally difficult as these cancellations will cost them and their dealer money. 

I Just want it cancelled so it can go towards my insurance remaining balance dorky Driveway financial, this finance company who continues to try to collect money from me but they wont even help me cancel a product that will reduce that balance, post insurance. 3 Lithia entities are just taking advantage of me. I just want to products cancelled and the money to go to them. 

This is a last resort post. Ive been trying to cancel a warranty and service contract for 3 weeks. No exaggeration, Ive left the sales person 2 notes, multiple messages, two notes for the manager, called Lithia dealer complaints and still no action. This costs them money so no wonder no action. My sales guys was terrible but I had faith in management. No more, sad. I guess last option is to drive up there and wait until someone actually is forced to deal with me. Do better.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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.

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 explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX has reported my account as delinquent, in response to an autopay error on their end. My credit has fallen from XXXX to XXXX because of their error. The statement is not accurate, as autopay was set up and payment was sent but the company rejected the autopay, and then did not mail any paper letters or reach out via message, email, or phone to alert me. 

Explanation of issue : I had autopay setup for a pre-determined amount ( {$140.00} ). I had a final bill of {$31.00} in XXXX. When the autopay was sent for the final bill, it was rejected by XXXX because it was greater than the balance. 
I received no letter, phone call, or email warning me that I was late in payment or that the autopay payment was returned. 
XXXX XXXX XXXXXXXX then marked my account as delinquent. 
As soon as I realized what had happened, I paid off the balance. The customer service representative assured me he would remove the delinquency from my account, but that has not happened, so I am hoping you can help me move this case along. 
Steps I have taken : I started a dispute process with XXXX XXXX XXXXXXXX 3 months ago. I have called them to check in on it and each time and told that it has been escalated, but that the timeline for resolution is undetermined and they can provide no further details. There is no paper trail or case number in my account portal with them. 
I opened a dispute with Experian - XXXX, and they came back with the determination " The information you disputed has been verified as accurate ''. 
I would greatly appreciate your assistance with moving this case along as there seems to be no resolution in sight from XXXX, and they did not communicate any of the failings of their autopay system. 

Best, 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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
ANY AND ALL NEGATIVE REPORTING IS DEFAMATION OF CHARACTER. THIS COMPANY IS NOT AN OFFICIAL GOVERNMENT REPORTING AGENCY. I WILL BE FORCED TO SUE THIS COMPANY IF THEY CONTINUE TO CAUSE HARM TO MY WELL BEING WITH DEFAMATING MY NAME. GIVING FASLE CONSUMER SCORES AND SHARING/SELLING MY INFORMATION WITHOUT MY KNOWLEDGE OR CONSENT. 15 USC 1692 C, I DID NOT GIVE PERMISSION TO BE HARASSED BY YOUR NEGATIVE REPORTING AND SELLING OF MY INFORMATION. THE FAIR CREDIT REPORTING ACT 15 USC 1681 ; STATES REPORTINGS SHOULD PROMOTE ACCURACY, FAIRNESS AND PRIVACY OF PERSONAL INFORMATION, ARE MY RIGHTS. YOU HAVE 4 DAYS TO DO WHAT IS FAIR AND EQUITABLE TO ME AS THE CONSUMER AND REMOVE ALL NEGATIVE REPORTING. ALSO XXXX XXXX STATES THAT I HAVE UNLIMITED CREDIT BACKED BY THE UNITED STATES SO MY CREDIT SCORE SHOULD REFLECT THAT AS WELL.

Company response to consumer: Closed with explanation