vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my privacy 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANNER CORPORATION
State: IL

Complaint narrative:
Banner Bank manager who closed my debit card for 5 disputes in 8 months never sent my closing balance. They knew I was moving. I never received the check and Banner refuses to do a direct deposit or wire transfer. {$850.00} was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Good Afternoon- I am embroiled in a problem with Citizens Bank regarding escrow insurance thats included in my mortgage payment but Citizens is not making the payments to the flood insurance carrier. As a result I have had to pay the premium since the inception of the loan over 2 years ago. 

Last year they failed to make the payment to the carrier and I made the payment out of pocket to avoid cancelation. after a substantial effort Citizens finally paid me back the money I paid. 

This year, I had to make the payment again due to their failure to pay the premium out of my escrow and now I can not get them to repay me the money I paid out of pocket. 

Without exaggeration, I have contacted them over a dozen times in an effort to get my money back ( which is my money as I paid it into an escrow account ) and they will not return my calls. 

To add insult to injury, Citizens is now sending me threatening letters accusing me of not paying my flood insurance bill. 

Every time they fail to make the payment, I risk losing my coverage. 

I am at wits end and do not know where to turn. Can you assist me getting this issue resolved? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian contiunues to defy authority of CFPB and US Government in refusing to address issue raised of its false and inaccurate calculation of revolving utilization ratio and credit score. 

To be crystal clear, NO sources of information outside of Experian are under dispute, and NO authorization has been given by myself to initiate any dispute on any sources of information or any individual item on the credit report. 

The ONLY investigation authorized is internal procedures using accurate data where Experian is inaccurately calculating utlilization ratios and credit score, resulting in false reporting of both revolving credit utilization ratio and credit score data. 

Any attempt to address any subject other than stated above would constitute a criminal attempt of Obstruction of Justice under Federal law

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 2022-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX a Judge with XXXX County Clerk of the Courts in XXXX XXXX Florida dismissed a collection named XXXX XXXX XXXX for XXXX. 
I did a dispute with all three credit bureaus. XXXX and XXXX both said I was right and took them off my credit report. Experian however hasnt. I tried twice and I got 2 letters from XXXX  XXXX stating that my credit debit was acquired by XXXX XXXX, XXXX XXXX XXXX. 
Experian has not done what the courts ordered them to do. I want to settle this matter with Experian. 
I have all the documents if you need to see them.

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 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize

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 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/2022, I received a letter in the mail with a XXXX XXXX XXXX stating, " You're In! Welcome to the club. '' The letter instructed me to activate the card, load it, and swipe. On the bank of the letter is a routing number and account number for the debit card through XXXX, XXXX. 

On XX/XX/2022, I called and email Netspend and XXXX. Neither entity had a customer service representative available to help. Netspend does not have Fraud Department and XXXX has no live operator to handle fraud calls. 

This account was not opened by me. Netspend was able to verify my social security number. At no point in time did I ever provide my social security number to Netspend, XXXX or to any of their partners to open this account. 

I attached the letter, debit card, and account information received from Netspend and XXXX. I blanked out all but the last four of the debit card and last five of the checking account so that the Companies may verify their information in this letter.

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 2022-08-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
We took out a personal HELOC loan with SunTrust in XXXX ( at XXXX XXXX XXXX XXXX, XXXX, SC XXXX ph. XXXX ). We noticed in XX/XX/XXXX that our monthly repayment amount only showed our payment going entirely to interest and nothing had went towards the principle borrowed. We contacted our local branch manager ( XXXX XXXX ) whom we had signed the loan paperwork with and asked him to corrected this and update us later. He did contact his research department about the problem and he got back an unsatisfactory answer, the same thing then happened again with our XXXX payment and again he contacted his research department and they said that this because of the banks recent merger with Truist Bank. This still seemed wrong to us, as well as, the bank manager and he filed an official internal compliant. So far we have not heard anything else about this an we fully expect that our XX/XX/XXXX payment will also go entirely toward interest payment and none towards our principal! 

We had also noticed interest irregularities around the time of the merger about 8 months ago and never found out the reason for those variations either.

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 2022-08-25 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
On XX/XX/2021, I received my bank statement from my AMEX credit card, reflecting a balance of {$14000.00}, some charges for purchases not authorized by me are evidenced. Most of the charges were made on XXXX and XXXX. I immediately contacted AMEX and XXXX to indicate the fraud of which I had been a victim. Both companies told me they were going to investigate the charges. In communication with AMEX they offered me to continue with the card and I told them that I was not interested because they did not protect me as a user, they never called me to alert me of such consumption. For its part, the company XXXX did confirm the fraud and proceeded to make a refund to the AMEX bank for a total of 12 refunds. I continued to claim AMEX for the other charges and they kept saying that I had to pay the remaining amount. However, in the phone calls it is evident that I recognized my real consumption that was well below {$3000.00} dollars and in fact I managed to make a payment of {$500.00} dollars. Currently, the AMEX entity transferred the account to a collection company called XXXX that has continued the process of collecting the total doubt. I have made it clear that I have not consumed anything at XXXX or XXXX. Therefore, my claim is because AMEX does not accept that it was a fraud, which has affected my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was a victim of a fraudulent check scam. Scammers were paying for furniture I was selling and sent me fraud checks that had more money than the item of the furniture. I was selling a bed frame for {$100.00} and the scammers sent me a fraudulent check for {$1100.00}. The scammers had me pay movers the extra amount of money through XXXX This extra amount was {$970.00}. Since the checks are fraudulent, I was in fact just paying the money straight to the scammers since they had me convinced I was paying movers with their money. The scammers took advantage of the chase mobile app for depositing checks and clearly designed checks that would be able to be initially approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: CO

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged 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 information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2022-08-25 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 — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have an impeccable on time payment history with Navient and I am extremely concerned with their abusive and deceptive reporting of inaccuracies as of current. I was in a deferment during covid which was to end on XX/XX/XXXX and so I was not required by law to make any payments however because I had a little bit of money I made to payments on my Navient student loan accounts one on XX/XX/XXXX in the amount of {$300.00} and the second one on XX/XX/XXXX in the amount of XXXX. 
Pursuant to 15 USC 1681 ( a ) Consumer reporting agencies as well as data furnishers such as Navient have a vital role in reporting verifiable accurate information and must delete all inaccurate, incomplete information immediately upon notice from the consumer. 
Attached is the verifiable accurate information that should be reporting on m current consumer report and if they are in violation of it I am entitled to pure a law suit. Navient as a data furnisher is also Pursuant to 15USC 1692E False or misleading Representation and ( f ) unfair practices and defamation which they have caused and thoughly violated my consumer rights be report such inaccuracies on my consumer report which represent my crediabilty as a consumer and is causing me severe harm and I do intend to file suit if they are non-compliant with these statutes and laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: NC

Complaint narrative:
I initiated a call to AAG Mortgage in late XXXX, and question what info i would need to get a reverse mortgage from an inheritance. They sent me a list to return to them, so i did. 
I sent a copy of certified will, death certificate, copy of deed pay records, insurance info. 
I was informed from them ( AAG ) and the County Clerks office plus an attorney 's advice that all the information i sent was enough. AAG wanted me to pay for a credit counseling, an appraisal, and pushed me into renewing property insurance. All of which was an extra expense for me. Now this company need a Testamentary of the will. I can not get this document because i am not executor. I had to seek legal advice to force my brother to file the will, and he is just not interested in getting me this document. There was a woman who pushed my insurance broker to add AAG to the policy even though a loan was not executed. 

My problem is i am terribly concerned that these jerks can pull people in for these loans, but change the rules before loan closes. Even the clerk of court XXXX County stated that i had completed documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I have contacted LVNV Funding on several occasions requesting validity of the item bering reporting on my credit report. They have not been able to provide valid details or proof of whom the account belongs. As It does not belong to me. I was under age at the time the account was opened. I asked for signature of an application etc., and they have not been able to provide anything to me besides a copy of the credit card statement which does not show proof that the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I recently joint XXXX for our local school and I received email from unknown sender XXXX ( I was accessing my XXXX gmail through my phone and I couldn't see the actual email address ), named as our XXXX president, demanding payment to a vendor, which I would be reimbursed later. I transferred {$1300.00} on XX/XX/XXXX and another {$2000.00} on XX/XX/XXXX through XXXX pay, before I realized it was a phishing email and the whole thing was a scam. 
I called Chase today XX/XX/XXXX @ XXXX. Chase 's answer is that they can't recover my money that has been transferred. The only thing they could do was to put a alert on this fraudulent XXXX account and hopefully prevent others being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: PA

Complaint narrative:
THE FOLLOWING ACCOUNTS ARE FRAUDULENT I WANT THEM BLOCKED AND REMOVED FROM MY CONSUMER REPORT I DID NOT GIVE MY WRITTEN CONSENT TO FURNISH ANY NEGATIVE AND FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT UPON MY RIGHTS PURSUANT TO 15 USC 1681 ( B ) AND THE GRAMM-LEACH BILLEY ACT I AM DEMANDING THESE ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT

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 2022-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
In XX/XX/2022 I called Bank of America to payoff and close my account- this credit card. The phone call was recorded and the close was successful. Or so I thought. 2 months later I get a letter / notice with 2 late fee charges & a balance that accrued out of the blue. After calling Bank of America they tell me that I never paid off the account and this is interest or insurance that had accrued. I paid it off so it wont affect my credit score but I am NOT responsible for this charge. I paid off my account, I had to give a verbal that my account was indeed closed, and got confirmation from the bank that it was closed. I am not responsible for these other charges they are claiming, I closed out my account so I could get ready to move. They are lucky I saw this letter. I should not have to pay Bank of America for their incompetency. I want my late fees returned to me as well as a breakdown of these interest charges on a {$0.00} balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I received notification that I would be getting a refund from Great Lakes Borrower Services for my student loans that were discharged for XXXX XXXX XXXX XXXX. The amount refunded was {$21000.00}. 

Prior to this I was notified by Nelnet and the US Department of Education that I qualified for the XXXX  discharge ( XX/XX/XXXX ). This was effective on XX/XX/XXXX. 

The letter states that " In addition, all payments on your loans received after XX/XX/XXXX, including payments collected through wage garnishment or Treasury offset, will be refunded. '' The second letter states " Your loan holder ( s ) will transfer your loan ( s ) and will return any loan payments that were received after your XXXX date to the person who made the payments. For this purpose, your XXXX date is the date SSA informed the Department that you were XXXX XXXX XXXX XXXX. '' In total from my statement from Great Lakes between XXXX - XXXX I made 14 payments totaling {$9300.00}. I've called Nelnet and Great Lakes several times only to be sent in circles. Nobody will give me information as to why my total payment amount was not refunded. Nelnet tells me I need to contact Great Lakes because they were the one to issue the refund and have my payment history. Great Lakes is saying they can't do anything because my loans were transferred to Nelnet. There is no proper documentation for the amounts I was refunded. When I received the refund I got several electronic transfers some for as low as {$7.00}. I never made a payment for that price. 

It doesn't make sense why my payments were not refunded and it seems like Great Lakes and Nelnet are just trying to ignore me. It frustrating and upsetting because yes my loans were forgiven but that money I paid is gone when it could have went to savings. 

Today I learned that Nelnet bought out Great Lakes yet they both seem to know nothing about my loan payments and refund. I really want to get my payments made refunded or at very least understand why I did not get the full refund. I would also like to know how my refund was calculated - why did I get a refund for {$7.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am trying to clean my credit reports to the current date. I have sent letters requesting the removal of the bankruptcy reported by XXXX XXXX XXXX. I had the bankruptcy removed from this reporting agency back in XX/XX/2021. I have constantly written to TransUnion, XXXX, and XXXX requesting that this information be removed, to reflect that it was removed from XXXX XXXX XXXX report in XX/XX/2021. I will list all my information concerning this in my disputes and show how they will not update my credit report, with the current information that is reported by XXXX to date. All information related to the Bankruptcy and accounts should be removed from all three credit reporting agencies. These credit bureaus, that I have worked with over the last 3 to 4 years, have cleared information from my reports with no problem. I have removed old addresses, phone numbers, and incorrect business names, that were connected to someone with the same name as mine. This has become a really difficult process, but I must fight for my credit history to be updated to reflect my current situation.

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