vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
A recent credit card dispute was not handled properly by my bank ( USAA ). I disagree with their findings. I " appealed '' the decisions via their " re-assertion '' process. I was encouraged to do this via telephone and to plead with USAA. I was even told to lean into the " human aspect '' of the matter, bringing attention to my length of membership with this, suggesting possible discrimination practices. 

During these phone calls, I was verbally told by an advocacy advisor that USAA would do " whatever they could '' to resolve this matter. 

I asked USAA to credit my account {$6000.00}, which should be something they could possibly do and aligns to the " whatever they could '' comment. 

Since submitting the documents, both electronically and by mail, I have received no response. 

I request this matter to be investigated fully and all phone calls to be audited from dates ranging XX/XX/2022 - XX/XX/2022 to review all verbal promises made my USAA in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On or about XX/XX/2022, I learned that XXXX XXXX ( " XXXX '' ) placed a hard inquiry on my Equifax report, causing a reduction in my credit score. I had not recently requested additional credit from XXXX which refused to respond to my complaint and a CFPB issue is pending. I then asked Equifax to remove the inquiry and they also refused to remove the inquiry. I have been injured by a reduced credit score as a direct result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This complaint is with Equifax I filed a dispute on my credit report on XXXX with a collection on my account the collection name that appears on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX This company has changed its name when I called this collection and bill has been paid in full their is no balance the full payment was made on XX/XX/2022 in the amount of {$110.00} I provided a copy of my proof and evidence to Equifax and they said they investigated the collection account and it remain on my credit report apparently Equifax didn't investigate because I provided my receipt and they should have made the corrections and deleted XXXX XXXX XXXXXXXX XXXX I'm also going to provided the receipt also to XXXX that this account has been paid this company XXXX XXXX is making duplicate accounts collections when there was only one account that I already Paid in full also this company goes by the name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Continental Finance Company, LLC
State: IN

Complaint narrative:
I have been working with a Credit Counseling service that was recommended by the state. They have been great! However, they sent their proposal to XXXX XXXX in XXXX! They have been paying XXXX. However XXXX sat on the proposal for about 2 months, allowing my account to become past due ( I can not afford double payments and the XXXX was going off of their past dealings with XXXX. ) Now it has dinged my credit score bad, and it is a huge negative on the score, though XXXX has finally acknowledged and agreed to the proposal.

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 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XXXX of XXXX, I brought XXXX XXXX XXXX  to link my and my wife 's XXXX XXXX accounts to our joint checking account. The bank branch advised they can not provide stamp/seal of Treasury documents as stamp/seals have been removed from the branches. Only financial advisors have access to the stamp/seal and will only come to a branch if we were to request financial advisor services. 

Approximately a week ago, I mailed the form to Treasury without the stamp/seal. 
I submitted XXXX XXXX without the stamp/seal and it was rejected on XX/XX/XXXX. 

XX/XX/XXXX - Contacted Fulton ( XXXX ) to discuss with their customer service. There is no option to talk to a person and the phone tree would only give account balance detail. 
XX/XX/XXXX - Emailed Fulton Bank and response is pending.

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 2022-11-02 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: AES/PHEAA
State: FL

Complaint narrative:
When the Student Debt Relief plan was announced, I called my loan servicer, Fedloan, on Saturday, XX/XX/XXXX to request a refund of student loan payments that were made during the forbearance period. 

I spoke with XXXX ( ID # XXXX ) who informed me since there were three payments, she would have to put in three different refund requests. The three payment amounts were XXXX, XXXX, and XXXX. She mentioned there wasnt a definite timeline as to when to receive the refunds, but it could be anywhere from two weeks to two months. 

I received two checks from the Department of Treasury on XX/XX/2022 : one for XXXX ( Chk. # XXXX ) and another for XXXX ( Chk. # XXXX ). As of XX/XX/2022, I have yet to receive the third refund of XXXX and its been more than 60 days. 

On XX/XX/2022, I called XXXX to inquire about the refund, and they still did not have my complete account information. I instructed them to add a note that I was awaiting a third refund in the amount of {$26000.00}. 

On XX/XX/2022, I called FedLoan to inquire about the status once again and the rep I spoke with, XXXX, explained that since my account had been transferred to XXXX, they no longer have access to any information regarding my account and instructed me to call XXXX. When I contacted XXXX, the rep I spoke with explained that since they werent the servicer that put in the request, I would have to call FedLoan. 

I have not been able to get a response or a concrete answer about the status of my third refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: TN

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX  Acc # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX acc # XXXX. XXXX XXXXXXXX XXXX acc # XXXX XXXXXXXX XXXX XXXXXXXX acc # XXXX. XXXX XXXX XXXX acc # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 artedates 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 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 2022-11-02 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: MOHELA
State: FL

Complaint narrative:
When the Student Debt Relief plan was announced, I called my loan servicer, XXXX, on Saturday, XX/XX/XXXX to request a refund of student loan payments that were made during the forbearance period. 

I spoke with XXXX ( ID # XXXX ) who informed me since there were three payments, she would have to put in three different refund requests. The three payment amounts were XXXX, XXXX, and XXXX. She mentioned there wasnt a definite timeline as to when to receive the refunds, but it could be anywhere from two weeks to two months. 

I received two checks from the Department of Treasury on XX/XX/2022 : one for XXXX ( Chk. # XXXX ) and another for XXXX ( Chk. # XXXX ). As of XX/XX/2022, I have yet to receive the third refund of XXXX and its been more than 60 days. 

On XX/XX/2022, I called MOHELA to inquire about the refund, and they still did not have my complete account information. I instructed them to add a note that I was awaiting a third refund in the amount of {$26000.00}. 

On XX/XX/2022, I called XXXX to inquire about the status once again and the rep I spoke with, XXXX, explained that since my account had been transferred to MOHELA, they no longer have access to any information regarding my account and instructed me to call MOHELA. When I contacted MOHELA, the rep I spoke with explained that since they werent the servicer that put in the request, I would have to call XXXX. 

I have not been able to get a response or a concrete answer about the status of my third refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
When I received a statement for renewal, I informed the company by mail that I did not want to renew and told them to void the card. I have never used the card since then and actually did not use it for some time previous to that. They continued to send me a statement showing the {$99.00} renewal fee. I have telephoned them and sent letters to their actual office [ not the bank to whom you mail payments ] and as of today, some months later, I am receiving " past due '' statements for the {$99.00} for a credit card I do not want or have used in more than at least a year.

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 2022-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Northern Trust Company, The
State: FL

Complaint narrative:
Northern Trust Bank resigned as Trustee of my trust over a year ago in XX/XX/XXXX. Since then I have been looking for a successor trustee who meets all the qualifications stated in Trust. I have now found one, XXXX, who meets the standards in the trust to be the successor trustee. The trust document states on page 11, Article VII, that the trust can be moved by a majority of the grantor 's and grantor 's spouse living children, of which there are five. I have three of the five required signatures, which constitute the majority ( see attached trust document ). Yet on XX/XX/XXXX I received a letter from the trust administrator, XXXX XXXX, stating they will not honor the wording of the trust, but rather had made-up their own " standard '' which consisted of me getting all five signatures. THIS " standard '' IS NOT STATED ANYWHERE IN THE TRUST DOCUMENT. I have not had a trustee in over a year and they are blocking me from transferring my trust by not complying with the trust document and adding their own made-up standards. This is malicious conduct in bad faith. XXXX XXXX even admits it in his letter to me ( attached ). He admits I am right about what the trust states, but said they are choosing to apply their own made-up standard for transferring it rather than complying with the letter of the trust document.

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 2022-11-02 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I applied for Care Credit with Synchrony Bank one time and was approved one time on XX/XX/2022. When I reviewed my XXXX report, it showed three additional inquiries that is inaccurate and should be removed. 

I contacted Synchrony bank on XX/XX/2022 in regards to the three additional inquiries and they filed a dispute. On XX/XX/2022, I received a letter stating the one inquiry is correct ( which is true ) but they never acknowledged the three additional inquiries that is not correct so it was never removed. 

I contacted XXXX on XX/XX/2022 and XX/XX/2022 and they refused to help without a letter from Synchrony Bank stating the 3 additional inquiries was reporting inaccurate information. They are requiring a letter from Synchrony Bank even though I explained to XXXX that Synchrony Bank is refusing to resolve the matter.

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 2022-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: FL

Complaint narrative:
Hi, Credit control llc is not my original lender. 
They sent me a lender saying that if i don't respond by XX/XX/2022 then they will consider the debt verified. Fair Debt Collection Practices Act ( FDCPA ), requires you to provide written verification of debts which has not been done. There are no records of transactions showing why i owe credit control llc any money. 


I went directly to the XXXX XXXX in XXXX and in XXXX florida on multiple occasions before the XX/XX/2022 however the staff there does not see an account in my name. They were unable to help me on several occasions. 

I spoke to XXXX XXXX the vice president at the the XXXX XXXX branch and XXXX who works at the same branch. They were unable to get help from their associates over the phone. They were unable to see an account with my information.

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 2022-11-02 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: CITIBANK, N.A.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ( XXXX XXXX ), Account # XXXX ( redacted ) and Citicard 's CBNA ( Citi Bank XXXX XXXX Account # XXXX ( redacted ), 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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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. 

XXXX reported a late payment on my account for XX/XX/XXXX and Citicards CBNA reported a late payment for XX/XX/XXXX. Beyond the violation of my rights, I have paid the accounts in full shortly after. These lenders, among others are still asking for my business so I must still be considered trustworthy. No harm no foul. The violation of my rights have injured my credit and myself as a person and I want these late payments removed from all credit reporting agencies, including but not limited to ( XXXX, XXXX, XXXX ) or further action with the XXXX, attorney general and others may be applicable under 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 2022-11-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the accounts listed below has violated my federally protected consumer rights to privacy : 1. XXXX ACCOUNT # XXXX 2. XXXX XXXXXXXX XXXX  # XXXX ACCOUNT # XXXX 3.XXXX XXXX XXXX ACCOUNT # XXXXX 4. XXXX ACCOUNT # XXXX 5. XXXX XXXX ACCOUNT # XXXX 6. XXXX XXXX ACCOUNT # XXXX 7.XXXX XXXX XXXX  ACCOUNT # XXXX 8. XXXX XXXX XXXX ACCOUNT # XXXX 15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C. 1681 SECTION 602A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

CLEARLY I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO THE CREDIT REPORTING AGENCY THEREFORE THEY ARE IN VIOLATION OF MY FRDERALLY PROTECTED RIGHTS.

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 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
They add fees ( late fees, over limit, nsf ) to the minimum payment instead of you balance increasing you minimum payment. This cause payments to be missed and negative credit reporting when you can't afford to pay the very high minimum payment. This in my situation has caused me to close these cards and pay balance to payoff card..but they are still charging fees and interest when the accounts are closed. These cards are predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation
State: GA

Complaint narrative:
I had mortgage payments scheduled through my bank 's bill pay service, scheduled for the XXXX of the month. The last payment was sent out on XX/XX/XXXX but was not cashed until XX/XX/XXXX. This incurred a late fee of {$120.00}. Previous payments were being cashed within XXXX days of being sent out and did not incur late fees.The mortgage servicer does not indicate on their website when the check was received, only when it was cashed. They refused to refund the late fee. I can not believe that it took 18 days to mail the check and have it processed ; something else is going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: TX

Complaint narrative:
I disputed fraudulent accounts, XXXX and XXXX several time this year, the last two disputes were in XXXX and XXXX and XXXX dispute came back verified from Transunion. I disputed the three credit bureaus because I discovered that someone got two additional cars in my name. I am a verified victim of fraud. I have reported this information already to the police and I have a FTC report. I sent in the FTC report to each credit bureau per their instructions because theyve had my identity theft and fraud victims police reports for several years.XXXX and XXXX both deleted the accounts and blocked them from being report but Transunion continually verify the fraudulent accounts even with all my documents they continue to verify them. As you can see from documents uploaded they are the only credit bureau still reporting it. The FTC report is a new one to show what I already sent them. I had to update it in order to get a copy of what I sent in.

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