vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I went on Covid forbearance due to loss of income for 18 months. I then reached out to Truist to see how I could begin making payments. I was told different things every time I called. One person said that I would received a packet, but all I received was letters requesting repayment to avoid foreclosure, others were requesting income and tax information. I then went to a branch on XX/XX/23 and had a manager facilitate a call with Truist. The call center, XXXX, advised me that I needed to bring my outstanding payments under 18 months to request a deferral. I made two payments over the phone to do so and it covered the following months payment to cover me while I waited to get approved for deferral. I did not received anything regarding a deferral nor did I receive any calls during this time. I then reached out in XXXX to see if my deferral was approved. They said that I had passed the deadline of XXXX XXXX and that I needed to participate in a trial payment plan and loan modification because I no longer qualified for Covid forbearance related deferral. I had requested this in XXXX and I had continued making mortgage payments while I waited to hear from them. I believe that I have exhausted all requirements and should be afforded a deferral without an increase in my term. I feel that my case was mismanaged by Truist from the start and their own incompetence has led to my situation. 

Please advise.

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 2024-01-09 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: Self Financial Inc.
State: IL

Complaint narrative:
I am writing this request to XXXX/SSTATBK that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: AZ

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2024-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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. 

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 XXXXXXXX, has violated my rights. 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 2024-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX from a XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXn. After her death, I learned that she had named me the executor of her estate. I have spent the last 14 months working with her attorneys office to wind down her affairs. Last month I learned that she had an account with Capital One Bank. 

In reviewing her bank statement, I observe that on XX/XX/XXXX someone made two withdrawals from her account. On XX/XX/XXXX someone made a third withdrawal and closed her account. I have made more than XXXX inquiry to Capital One to find out who conducted those transactions, but the bank has been slow to respond on what should be straight forward questions : who was authorized to conducted those transactions and where were the funds transferred to? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Based on her other financial papers, I do not believe anyone else was a signer on this account so I need to identify who moved the funds. The attorneys office has reminded me that the estate is responsible for taxes based on the decedents financial profile at the time of her deathincluding her account at Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: ID

Complaint narrative:
I have an account with XXXX XXXX that has been paid but is still showing as unpaid. I sent the deposited check showing the account has been paid off, I disputed the information and they came back as verified as still unpaid. This account should be corrected to paid status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
I had an account with Fortivia to have XXXX  months to pay off furniture from XXXXXXXX XXXX XXXX XXXX I had a tittle loan company make a check out to them to fully pay off the account within XXXX  months. During that time they charged me a fee of XXXX and said it was an annual fee. I told them I only had the account for XXXX months. Then their company received my check for XXXX, and my lending company and my bank have a copy of the check that was stamped and deposited into a account by Fortivia. When I call Fortivia they said they don't have any record of my check and they can't help me other than if I want to give then a credit card to pay for my account. They have a po box so there is no way to send them a check though certified mail. In the meanwhile, they took away my store credit, continue to charge me late fees and reported me to the credit bureau 's for not paying on my account, even though they deposited my mailed check for XXXX. I also only owed them XXXX, so they actually owe me money, and they refuse to help me with crediting my account and acknowledging the check I sent. My lending and title company is trying their best to pursue this situation. Not sure what else do? They took my XXXX and they now say I owe XXXX, when I only owed XXXX, because they keep charging me extra fees. The XXXX XXXX  has a copy of the check that shows the check with the stamp on it for deposit. It was deposited by Fortivia on XX/XX/2023. We have all the evidence they took my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
This is an additional notice in reference to Complaint # XXXX, written XX/XX/2023. Ally notified CFPB that they were in the midst of responding XX/XX/2023. To date, there has been no response by Ally. Reference XXXX of XXXX XXXX XXXX XXXX XXXX EXT XXXX. Since their act of repossession of said vehicle, I have made numerous attempts via voicemail, email, and mail, to explain their violations of holding the vehicle in spite of my objections and defenses. I've explained to XXXX numerous times that, PER THEIR OWN COMPANY POLICY, they CAN NOT repossess a vehicle if a " debtor '' raises an objection to the repossession. ( See attachments XXXX and AllyXXXX ) Even after explaining to XXXX that the vehicle must be returned and can only now be taken back through court order, her response is that this matter is still under review. There is nothing to review : as long as the " debtor '' has a claim and defense, Ally is SUBJECT TO THOSE CLAIMS AND DEFENSES, and therefore CAN NOT REPOSSESS UNTIL AND UNLESS THEY HAVE A COURT ORDER. I have had to file the vehicle as stolen with the Arizona DOT and with law enforcement, since there is no other way to enforce Ally 's compliance ( See attachment XXXX ). These attachments have all been sent to XXXX since the last complaint was filed, so she is well aware of these issues. Because of Ally 's continued non-response to this pressing issue- I can not work, I can not get my children to school, I can not drive to get groceries, I can not do anything substantially dependent on my means of transportation - and because Ally has known about this issue for a month, and yet refuse to cooperate in any form or fashion, I am hereby damaged and aggrieved. Additionally, it MUST be repeated : the reason they repossessed the vehicle was due to " default '' of the payments, and this is because of THEIR OWN DOING. By restricting my method of payments to be done through money order or certified funds, and denying my ability to pay under the original method of paying online ; in spite of my requests for them to justify where in the contract or law this was allowed for ; and in spite their unjustified attempt at adding addendum onto the contract I'VE NEVER AGREED TO, in which THEY ENFORCED A POLICY WHICH WAS NEVER AGREED TO IN THE ORIGINAL CONTRACT ( see attachment XXXX  ), they have therefore BREACHED THE CONTRACT. THIS MAKES THE CONTRACT VOIDABLE.

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 2024-01-09 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: IL

Complaint narrative:
XXXX XXXXXXXX XXXX sent a incorrect credit file to my credit report resulting in damage to my credit score ( inaccurate late payments and other information ) I have never been late and have the statements to prove it ( XXXX  is XXXX credit card ) They have not corrected the issue XXXX has not corrected the issue Neither have the other credit bureaus Even with sending in evidence including my credit card statements and a email stating they sent the wrong file they sided with a incorrect report even with the evidence The companies are not investigating properly causing damage to 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 2024-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing this request to TRANSUNION that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.

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 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capitol One Spark Card was used to buy a XXXX piece of used medical equipment through XXXX. Item advertised as full working condition but delivered inoperable. Seller requested that I have his associate in the area look at it prior to sending it back. I immediately started a dispute with XXXX and Capital One. Over the course of 4 weeks I paid to have the item repaired enough to power it on and realize that it was still not operational so I arranged for it to be returned to seller ( XXXX ). The seller had XXXX XXXX XXXX pick it up and confirmed its return. I contacted the credit card company for a response on when to expect the credit, and was told that it was XXXX that was suppose to credit me. XXXX stated that the dispute was open and that the credit card company would credit me. Ultimately after months of waiting and sending in more requested documents, Capital One bank stated the time limit expired on the dispute and even though they had all the needed documents to credit me they would not because of the time limit, and I should again contact XXXX that still saw the dispute as open to get the refund. When XXXX was again contacted, they said that no dispute was ever opened with them ( even though it was within a week of getting the item delivered ), and they cant even share with me whether the seller received the payment or not since its a violation of their policy. They did however shared that their system should that the seller did not dispute my request for return and refund but couldnt explain why Capital One credit card would not issue the refund. The Seller claims that they still have not received payment. 
As a consumer, I cant get Capital One to credit me on the returned item because they stated they needed more information and supposedly requested it via letters that I didnt receive. They on XXXX occasions afterward requested that I send more information via a link which was supplied both times, including a lengthy text exchange between the seller and I verifying that they accepted the unit back and was offering a full refund. At this point, I continue to have a balance on the Capital One credit card for the XXXX purchase price, and now its accumulated interest. They wont allow the dispute to be reopened and refuse to refund the money. XXXX states that they can do nothing, and wont verify if the monies were received by the Seller. The Seller claims they have received the returned product but have not been paid so wont credit me directly. Please help me with this convoluted issue to get justice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2024, I received a letter from Capital One Auto Finance stating they attempted to pull all three of the major bureaus to obtain my credit reports. I have not had any contact with this bank regarding any auto loans and did not authorize them to do this. Luckily, I keep all 3 of my reports frozen until I actually need to use my credit. 

My problem is they should not be randomly attempting access to my credit without my authorization. What if I wasn't a smart consumer and hadn't locked down my reports? I have a major purchase coming up in the next couple of months and do not want random banks thinking its okay to arbitrairily attempt credit pulls they aren't authorized to pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-09 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: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-01-09 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:
On XX/XX/23, I completed an application to change my IBR program from the one I had previously been on to the SAVE plan. To date, Nelnet has not processed the application but instead placed me on forebearance where I'm still accruing interest.

The whole point of the SAVE plan is to arrest interest where payments are being made to help prevent further negativ
e amortization... This delay exacerbates the negative amortization problem.

I've submitted a complaint to Federal Student Aid and attempted to contact Nelnet on the phone and through their website. The website is constantly unavailable and malfunctions. Wait times for calls to Nelnet are well over an hour. The only thing resembling a response I get is a notice on the website and maybe an email every 10 days stating they've received my application, but no action has been taken with regard to processing it

Company response to consumer: Closed with explanation