vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I'm writing to you because I had received a letter from 53rd Bank dated XX/XX/2023, regarding the misapplied funds. The letter states " we wish to confirm that we have posted your payments according to your instructions '' wish it don't tell me nothing. I don't see anything posted as discussed with 53rd bank. 
The letter did not resolve my complaint because it is not detailing any amounts or a breakdown of what did they do with my {$2600.00}, I paid on XX/XX/2023, on escrow shortage. 

The escrow shortage was not {$2600.00} like I was told by 53rd by escrow agent XXXX, on XX/XX/2023, which I had paid so my monthly mortgage won't be so high. On XXXX XXXX, I called to follow up and I was told by XXXX that the {$2600.00}, was not applied because it was not the correct amount. Representative ( XXXX XXXX told me on XX/XX/XXXX, that the correct amount was {$1200.00} and once applied my monthly mortgage will go down to {$1300.00}. Nothing has been done as discussed and this keeps happening year after year with escrow issues. 

This issue needs to still be resolve and a letter with a breakdown of what they did with my {$2600.00} and my monthly mortgage should have been adjusted to a lower amount. If the {$2600.00}, was applied to the escrow I'm fine with that but my mortgage payment should have been lower. Also, my monthly mortgage payment its still showing at {$1400.00} instead of {$1300.00}. 

On another note : XXXX XXXX XXXX had adjusted my insurance to {$5100.00} a year which should also drop my escrow total. XXXX XXXX XXXX told me they sent you a new declaration with the new total during XXXX. 

I also wish to talk to someone that will give me accurate information on how to apply more money to my principal to lower my monthly and pay the mortgage sooner. 

I appreciate your assistance in this matter. 

Best regards ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, 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:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
1. Item remains in inquiries section : XX/XX/2023 XXXX XXXX XXXXXXXX added to TransUnion Credit Report without permission. 

2. On XX/XX/2023 a representative or a third party responded to CFPB claim # XXXX which was submitted on XX/XX/2023 stating that the Personal Information section of the TransUnion version of the credit report had been updated. TransUnion was not given authorization to update anything in the Personal Information section, only the Inquiries section in CFPB claim XXXX complaint details section. 

The current copy of the report shows no phone number - ADDED, if this was in error please confirm. If not, a separate complaint will be opened.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I am having repeated problems with XXXX primarily. They have changed the account infomariont of my XXXX XXXX XXXX tradeline now, FOR THE 3RD TIME! I've had enough of them. XXXX and now, EQUIFAX, had re-imputed the balance owed as {$490.00}. I just left my XXXX XXXX XXXX XXXX and the representative just re-verified to me that I PAID OFF THIS back balance of {$490.00}! This is the 2nd time that XXXX has done this to me and i'm very upset about these bureaus repeatedly breaking the FCRA laws. Please help me correct this issue with EQUIFAX as well. I OWE NO BALANCE TO US FEDERAL CREDIT UNION AND THEY CAN VERIFY THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX

Complaint narrative:
Applied for a home loan and was informed that there was a collection on my account. Upon reviewing the item listed, I determined that it dosent belong to me. 

XXXX XXXX Reported in XX/XX/XXXX. Opened XX/XX/XXXX with a balance of {$8700.00}, placed in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ZWICKER & ASSOCIATES
State: AZ

Complaint narrative:
They call constantly and do not leave messages to call them back. Ive tried reaching out with no luckZ

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I contacted capital one regarding Credit card transactions that do not belong to me. I explained to them that my mom prior to her death added me to her account As an authorized user. I explained to them that I have never used the car I was not even aware of it and I've never received a card. I have spoken with them about this several times however my most recent attempt was on yesterday XXXX XXXX about XXXX XXXX. Explain to them that I did not take out a credit card for these amounts of {$550.00} the other amount {$1100.00}. 2 separate credit cards that are showing up on my credit report that I've never opened and never had access too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
This is regarding unauthorize charges on my checking account access number XXXX that started XX/XX/2023 of XXXX with out my express written consent on XX/XX/XXXX I contacted navy federal credit union which has XXXX XXXX dollars in assets on the books and It is the largest credit union in the world has ignored the banking laws 12 USC 144,15 USC 1692 and regarding unauthorized withdrawl on my account i was informed that they would call me back two days later XX/XX/2023, consumer called and wasf told that there was nothing consumer could do about the unauthorize charge of XXXX. Consumer called again to navy federal credit uion and tried to get a resolution, they stated that it was already posted and moneys was already taken. This was done without notice. or due process, The Consumer is seeking remedy in the fact that consumer is an asset on the books, The the full amount XXXX should be return to the account access number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
It would have been my preference to share this story directly with NFCU 's XXXX XXXX, however, they do not publish contact information for that committee and customer service declines to share it with me. 

I have had issues with payments to my XXXX XXXX from XXXX XXXX being delivered late by NFCU 's bill payment vendor, XXXX. When scheduled, those payments indicate electronic delivery. For reasons nobody at NFCU, XXXX XXXX, or XXXX can explain, approximately five days prior to the date I schedule, the payment is converted to a check and sent via XXXX. 

These conversions have caused my last two payments to arrive late, which has cost me hundreds of dollars in finance charges I would not have otherwise paid, and subjected my XXXX XXXX account to other adverse action. NFCU disclaimers ownership of this problem and sends me to XXXX. XXXX is aggressively unhelpful, they can not tell me why the payments are converted, and they refuse to do make me whole on the finance charges I have paid. They cap their damages at {$50.00} and my losses ( direct and indirect ) are greater than that. 

In addition, when the payment is converted, I receive an e-mail saying the funds can be withdrawn from my account prior to the date I originally authorized. I believe this is a probable Regulation E violation, to pull money from a consumer 's account earlier than they authorize, but I can not find anyone at NFCU willing to listen to this concern much less act on it. I am willing to share these e-mails with XXXX and CFPB if that is helpful. 

Most of these issues are with XXXX, my complaint here regarding NFCU is that they are unwilling to meaningfully help with an issue that is directly attributable to a vendor they selected. I did not select XXXX, they did, and I'm not XXXX 's customer, NFCU is. In my only prior occasion where I had issue with a bill payment vendor my financial institution at the time handled it for me, they did not pass the buck to the outside vendor. 

NFCU is further unwilling to provide me with contact information for the XXXX XXXX, with whom I would like to share this story, including the possible Regulation E violations, in hopes that they could address them at a higher level with XXXX and failing success from that find another bill payment vendor for the XXXX XXXX 's membership.

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 2023-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I received an order to exempt my income from a Midland Funding LLC. I never heard of this company nor did I receive any information about coming to court. I have no knowledge of the account they say I have with their company or companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have 2 CFPB complaints for XXXX XXXX and XXXX  That has not completed there investigation. According to us code 15 1681. these should be deleted immediately. 

Complaint XXXX During the week of XXXX XXXX of 2023, I spoke with all 3 credit bureaus about this matter along with the creditor ( XXXX XXXX XXXX XXXX ) XXXX I ask the my transactions along with my experiences be removed from the following accounts per 15 US code 1681a paragraph 2 XXXX XXXX XXXX XXXX XXXX XXXX 

Complaint XXXX - During the week of XXXX XXXX of 2023, I spoke with all 3 credit bureaus about this matter along with the creditor ( XXXX XXXX XXXX XXXX XXXX XXXX I ask the my transactions along with my experiences be removed from the following accounts per 15 US code 1681a paragraph 2 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 2023-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I submitted on Sunday XX/XX/XXXX through the Apple wallet a transfer from the Apple Savings account to my linked checking account. It said it would take 1-3 business days. On day 4 the company has not sent the funds to my bank, and they are not accessible to me. They keep putting me on hold when I call and avoiding sending my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV

Complaint narrative:
Greetings, On XX/XX/2022 I brought a car from XXXX XXXX in XXXX XXXX NV. for XXXX Deal # XXXX stock number # XXXX I still don't have the car its been almost two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I closed my Comenity Loft Mastercard in XXXX of XXXX. I sent an electronic payment through my bank bill pay ( XXXX ) on XX/XX/XXXX in the amount of {$390.00} payable to Loft Mastercard payment clear date was XX/XX/XXXX for account number ending in XXXX. This amount paid off my entire balance due. I closed this account and made no additional charges on this account. 

Comenity never credited my account for this payment, and I began receiving past due notices/bills the following month. I called Comenity customer service and told them that I had already paid the balance in full. 

I continued to receive past due statements and incurred finance charges and interest charges on the amount even though I paid it in full. I continued to call every month to tell them that I had paid the balance in full in XXXX. 

Comenity asked my bank to provide a proof of the electronic transmittal form, which XXXX did in XX/XX/XXXX and again in XX/XX/XXXX. I mailed proof of payment along with a letter explaining the issue in XX/XX/XXXX and then again via certified mail in XX/XX/XXXX. I also submitted this online as a secured message on the Comenity site and provided the document proof of payment from XXXX. 

I have contacted Comenity every month to get this resolved, they say that the dispute department is handling it, but they said I can not call the dispute department they only communicate via email or XXXX mail. 

I went to XXXX and had the XXXXXXXX XXXX branch manager confirm that the payment was sent in XXXX as I stated above. In one letter, Comenity said they received my payment and then returned my payment due to an invalid account number. That is inaccurate because the account number listed on my transmittal was correct. My XXXX XXXX branch manager double checked just to be sure and neither XXXX nor me received any payment back from Comenity. Then in another letter they said they never received the payment. How can they say they received it and then say they didnt receive it? ( Im attaching both of those letters for your review as well. ) To make matters much worse, Comenity has reported me in collections to the credit companies and my credit score has dropped more than 100 points. THIS IS NOT GOOD. 

I have tried everything to get this resolved, I am so discouraged. I paid the amount in full when it was due and there should be no finance charges, late fees, or interest payments due, but because they never gave me credit for the payment, they keep sending me bills with interest and late fees. 

I am attaching the proof of payment provided by XXXX as well as the conflicting Comenity correspondence. Please feel to reach out to me and I will answer any questions you have regarding this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Payment was made on XX/XX/XXXX for payment date of XX/XX/XXXX since the system instructed me that paying on XX/XX/XXXX would post to the current statement and I was paying for the following month ( XXXX ). Upon payment processing I receive a statement notice that minimum monthly payment is due for XXXX ( which I just paid ). I called Capital One and was transferred to the XXXX XXXX department as for some reason my account as always been flagged for fraud and I have had to prove my identity XXXX XXXX to open the account and then each time I used the card was instructed to send documentation to prove my identity, so I cancelled the card. In speaking with the first rep, she kept placing me on hold and once she got back to me told me they were unable to move the payment and I can request a refund. I tried to request a refund but then told me I had to do that through my bank ( my bank would not refund me money they do not have???? ) I asked to speak to her supervisor and she transferred me. Was placed on hold by that supervisor and was then told because my account is closed they were denying any refund, and unable to move my payment. I then asked to have XXXX 's payment waived. I was denied that request too. I provided XXXX options to correct the issue that had their system not told me my adjusted payment day would still post to the previous billing cycle, I would have moved it myself. I asked to speak to the next supervisor and my request was denied. She told me they do not take calls but she was not refusing my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good Day, I have a XXXX XXXX XXXX. According to the credit bureaus, there has been a XXXX XXXX decrease of XXXX points in XXXX due to me exceeding the credit limit of {$50.00}. After reviewing my credit reports, I realized that the {$50.00} balance from XXXX is reporting instead of the balance for XXXX. According to XXXX 's terms, I'm required to add money to the account to set the spending for the month. The spent amount is locked as the secured funds in the XXXX account, which then can be used to repay the statement balance automatically with XXXX at the end of the month. I have not been provided with a statement for XXXX, but I do have screenshots of the transactions from the account. I deposited almost {$1000.00} into the account in XXXX. I've had the account for more than 6 months and I have only been provided XXXX statements excluding the statement for XXXX. Also, XXXX does not have live agents for emergencies. Customers are required to chat with a live agent. This is an inconvenience when credit card companies have to contact a representative to verify transactions.

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