vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WI

Complaint narrative:
Nelnet indicated that my payment was past due ( XX/XX/XXXX ), even though I have auto payments set up. Fearing that I missed a payment and then would retain my auto-payment discount they offered I proceeded to submit a manual payment ( XX/XX/XXXX ). I called them the next day ( XX/XX/XXXX ) ; they explained that they had an issue with auto-payment, but that it would backdate once the payment went through. I requested they then delete my manual payment. They confirmed they would. The payment still went through. I called again XX/XX/XXXX and they told me they could not do anything and when they transferred me they hung up. 

I filed a complaint, and they responded and said on XX/XX/XXXX that they changed the charge to apply to my loan with the highest interest rate. I followed up, and they said the change would take a month to indicate on my account. It is now XX/XX/XXXX, and the change has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Take a look at the attached documents. I want the bureau to start an investigation into these accounts, as I have never been late, but they are inaccurately reporting me as such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
After meeting with BOA, service agents XXXX XXXX XXXX XXXX XXXX an excess of 5 times whereby phone calls were made to various BOA Departments, trying to locate the XXXX $ that were wrongly sent from BOA credit card to XXXX XXXX  agent after agent kept on telling us it would take a month to research case. 
Eventually BOA concluded that the money had been cashed by XXXX and that the transfer was legitimately completed. 
I never gave XXXX XXXX XXXX XXXX XXXX  I gave her my XXXX XXXX she read the number aloud and entered those. 
How that money ended up at XXXX XXXX  and cashed! is beyond me. 

After I reached out to CFPCB, XXXX XXXX XXXX sent me an email that she would be conducting her own investigation. XXXX XXXX works for BOA, as a Resolution Specialist, Regulatory Complaint Dept. 
She stated it would take another month for her to reach a resolution. 
Around XXXX XXXX XXXX, I received a letter stating that BOA was not at fault, that XXXX XXXX had showed me a summary of where the funds were being transferred ( not true ), that I had approved location where funds were being sent ( not true ) never saw check and that it was up to me to contact XXXX Bank to recuperate my money. 
I continue to stand by my word, that I gave XXXX XXXX XXXX XXXX XXXX, that she entered that account number, that when a window popped up with various addresses for XXXXXXXX XXXX, she asked which one there are various, she read the addresses aloud, and I said the one on XXXX, my initial account with XXXX was opened at a branch in XXXX XXXXXXXX XXXX  located on XXXX XXXX. And thus, she committed the mistake of sending the funds to XXXX Bank. The nearest location of a XXXXXXXX XXXX  is in Georgia, I live in Florida. 
What am I going to say? You have my money, please give it back? They are going to think I am a scammer. XXXX XXXX XXXX XXXX XXXX XXXX, tells me this needs to be performed internally by BOA. 
Thanks! XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: MD

Complaint narrative:
This collection called Monterey Collection was on my credit report for an amount of XXXX and when I called them I spoke to a XXXX XXXX she told me that they was a debt collector from a company called XXXX XXXX and that I opened an account at a vacation resort in XXXX, Florida, XX/XX/2019 I didnt proceeded on to ask her. Can I get a copy of this contract she said yes, we waited for XXXX XXXX to produce a contract and in which they never done so I told her in the beginning I never been to XXXX, Florida, and I never opened up an account with XXXX XXXX in person she then put in a dispute on my behalf with the fraud department on their end, so that it can be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: PR

Complaint narrative:
Discover 's promotional offer letter unfair practices Discover sent me a promotional offer letter of its transfer balance 's credit card to my current mailbox address without inconvenience. 

After that, I applied to the credit card and been approved, but the credit card never arrived at my current mailbox address. 

I called them to inform that the credit card never arrived at my mailbox, and they told me that sent it to my previous mailbox address at my parent house. 

I inform them that I do not understand why because the promotional offer letter was delivery to my current mailbox address without problem, then they told to me that will send another credit card. The new credit card never arrived at my correct mailbox address, and time after, I got the credit card that was sent to my parent house. 

When I active the credit card and tried to transfer the balance of another credit card, the option was not available because the promotional offer time was expired. 

The only reason that motivated me to get Discover 's credit card was the opportunity to transfer my credit card balances with XXXX XXXX for XXXX  months, in order to achieve payout all my credit cards debts in that period. Now they affected my credit report and my ability to get another credit card that allow me to achieve with my financial plan. I am from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
My insurance company - ( XXXX  ) called me today XX/XX/2023 @ XXXX and stated someone from my mortgage company - ( Essex Mortgage ) called the insurance company - ( XXXX  ) and told them my home is vacant. She was calling to verify if I was still in my home. I told her yes, and she stated I am the 2nd or 3rd person someone from Essex Mortgage called and told them homes are vacant. This messes with my home insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681e - Compliance procedures 18 U.S. Code 1028A - Aggravated identity theft I HAVE NO KNOWLEDEGE OF THESE ACCOUNTS. PLEASE REMOVE THEM FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
Every day they call numerous times from over a hundred spoofed numbers... Different numbers every time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: GA

Complaint narrative:
ON OR ABOUT 3 MONTHS AGO, I SPOKE TO XXXX, XXXX AND EXPERIAN IN REGARDS TO REMOVING AN INACCURATE ACCOUNT ON MY CREDIT FILE. ALL 3 AGENCIES TOLD ME TO REACH OUT TO THE CREDITOR " XXXX XXXX '' WHICH I DID. XXXX RESPONDED TO MY DISPUTE LETTING ME KNOW THAT THE ACCOUNT DOES NOT BELONG TO THEM AND IT BELONGS TO ANOTHER COMPANY CALLED XXXX XXXX. I RELAYED THIS INFORMATION TO ALL 3 CREDIT AGENCIES AND THEY HAVE ALL RESPONDED BY TELLING ME THIS ACCOUNT IS VALID, VERIFIED OR UPDATED. THEY HAVE ALSO STATED THAT THE ACCOUNT IN DISPUTE IS " RESOLVED ''. MY QUESTION TO THE CREDIT AGENCIES IS : HOW CAN THIS MATTER BE RESOLVED IF THE ACCOUNT DOES NOT BELONG TO THE CREDITOR REPORTING IT? I WILL ATTACH A LETTER REQUESTING VALIDATION, PROOF OF OWNERSHIP, AND A LETTER FROM THE CREDITOR THAT IS REPORTING STATING THAT THE ACCOUNT DOES NOT BELONG TO 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 2023-12-19 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Company is blaming a secure portal for misusing and allowing other individuals to access PII

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: VA

Complaint narrative:
The CFPB today ordered U.S. Bank to pay nearly {$21.00} XXXX for keeping out-of-work consumers from accessing unemployment benefits at the height of the COVID-19 pandemic. 
XXXXXXXX XXXX XX/XX/2023 XXXX Views Replying to @ CFPB No file chosen consumerfinance.gov @ CFPB XXXX U.S. Bank froze tens of thousands of accounts. However, it failed to provide people a reliable and quick way to regain access. The bank also failed to provide provisional account credits, while investigating potentially unauthorized transfers. 
consumerfinance.gov @ CFPB XXXX Todays order requires U.S. Bank to pay {$5.00} XXXX to consumers harmed by its actions and to pay a {$15.00} XXXX penalty.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: WV

Complaint narrative:
I received a civil summons that I was being sued by cks prime investments llc c/o XXXX XXXX XXXX. I have NEVER received a letter or voice message from either regarding this debt to settle. Among research, cks prime investments is notorious for this. They have also broken the FDCPA by never contacting me and notifying me of legal action until the summons was served. I have only been in contact with the original debtor XXXX XXXX XXXX regarding this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was hospitalized for 6 months due to XXXX XXXX during that time why identity was stolen fraudulent credit accounts were opened in my name. Please remove listed accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was hospitalized for 6 months due to XXXX XXXX during that time why identity was stolen fraudulent credit accounts were opened in my name. Please remove listed accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I called your department after I purchased a credit report with XXXX on XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were LATE CLOSED, COLLECTION and CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these late closed, charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : 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 XXXX 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 2023-12-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: SC

Complaint narrative:
This account with XXXX  account number : XXXX had been sent to XXXX XXXX a third party company. This account isnt showing on my credit report meaning the debt isnt owed to me. They have sent me an email communication and since the debt isnt located on my account it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was given two American Express gift cards, the expiration was XX/XX/20. Law states that gift cards are valid for a period of 5 years. I called American Express and the say that since the cards are expired, they are no longer valid. I asked them how they could basically steal money from the person that gifted me the cards, and they had no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had a charge on my account that was not in my approval or awareness. I found this out some time in XX/XX/2023. This charge came from an auto subscription online I wasn't aware of. I called Comenity Bank to take care of it right away since it was just a small amount and paid for it right away. They posted it on my account even though it was clearly a misunderstanding and a charge that wasn't supposed to be there. Somebody must have accessed my account online without my knowledge. This should have been deleted on my record since I don't use the card any longer.

Company response to consumer: Closed with monetary relief