vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closed Account : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXX 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 of 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 explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: NV

Complaint narrative:
I have a service for expirian and he sent me a notice that have my credit user go up. I login and I fine a credit card for US bank State Farm is used for {$4300.00}. I call to US bank and report the fraud problem the purchase was made in XX/XX/XXXX and XX/XX/XXXX ( I have the card for more the 4 years and I never active and never used ) He toll me that I have a credit the {$970.00} and respond that credit do not my ether. I received the balance for XX/XX/XXXX with the purchases take out and for a credit ( that no is my ). I received a new balance for XXXX with all the purchase again for {$3300.00}. I call and he toll me that they contact the commerce and i need pay the bill, and If I had a police report. I go and make a police report and fax to US bank for the reopen a case. He never send nothing again. 
Yesterday I received a email tell me that I have my bill past Due. I call and now my balance go up because he charge me interest and penalties.

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 2023-10-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Braviant Holdings, LLC
State: KS

Complaint narrative:
XXXX XXXX XXXX sent my sister a text message stating that my payment didn't go through. I had to block them from my bank because they kept trying to charge XXXX even after I told them not to. They sent a text to her at XXXX on XXXX. She is not listed anywhere on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
The only notifications Ive received in the past month about my account with Chase is that theyve gone through my claims individually and have sent me confirmation that they were claimed correctly and the credit given would be permanent. I have received another email from chase executive office on XXXX giving me a case number but I have yet to hear anything after that and they havent responded or answer questions on the phone. This company refuses to treat their customers with any common decency and continue to put my calls on hold and transfer me with no notice and force me to hang up after hours wasted waiting for another agent to answer after being transferred. I just want to know whats going on with my account, when can we close the account, and regain access to the money in the account that was deposited after they restricted/closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have a lot of hard inquiries and collections from accounts that are not mines and had never open

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: MS

Complaint narrative:
In accordance with the Fair Credit reporting Act XXXX XXXX XXXX XXXX 15 USC 1681 Section 102 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for 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 2023-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: NJ

Complaint narrative:
On XX/XX/XXXX a collections account was added to my consumer report by a collections company by the name of Zion Debt Holdings in the amount of {$1900.00}. The claim this account is an OPEN account that was opened on XX/XX/XXXX. I personally have NO knowledge of this debt nor of this collections account. On XX/XX/XXXX, I called Zions Debt Holdings and requested a validation of debt, as was told I was NOT able to get one and that she would not send me anything and she then disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NE

Complaint narrative:
5 months ago I filed to be reimbursed for payments I made during XXXX. XXXX reimbursed me for payments made to them but since Fedloan is out of service, no idea where my check is from them? I've contacted Dept of Treasure, Dept of Education, Financial Aid at my school. My student loan balance has gone up. So where is this check? Who do I contact??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
We made XXXX XXXX come to our house and talk about installing solar panels on our house.XXXX  XXXX.We were approved for the loan.XXXX Green Sky gave XXXX XXXX money to buy the equipment.Without verification from usXXXX XXXX  panels where installed.Green Sky paid XXXX XXXXWe where told Electric company had to come out and install new meterXXXX Electric company came out.installed new meter XXXX XXXX was paid. Without verification that the work was completed.Solar panels are still not working and we are getting higher electric bills .We have call both companies over 10 times and no one has resolved the problem.They also try to i stall a smaller unit than the one we had contacted for our house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a text about a potential fraud charge from chase and they said to give them a call if I noticed anymore unrecognized charges. I gave them a call and told them that a lot of charges on the account were fraud and filed a claim. And they denied the claim for no reason saying they can not find fraud even though they texted me about the fraud. This money is for every day use such as bills, food, etc. and has been a very unsettling thing for me to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/, letting them know I am a victim of identity theft and that an account was opened in my name. I went on to ask them to validate the account and remove it if they couldn't. 

I sent the second letter to them on XX/XX/, letting them know that I know they have 30 days to verify the disputed account and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. This included a police report on the identity theft. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I sent the 4th letter on XX/XX/, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. This also included a police report on the identity theft. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my 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 2023-10-17 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: AZ

Complaint narrative:
XX/XX/23 got XXXX $ and XXXX XXXX $ AMEX gift cards and they won't work anywhere tried XXXX for XXXX $ and didn't work won't let me add as a payment option anywhere called them they said there nothing they can do and told me to keep trying different websites until it works

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Amex showed an introductory of 0 % APR for 12 months, from the account activation date. When I received my card, the disclosures did not include the offer. I reached out to Amex, and they advised a specialized team would look into it in the next billing cycle. This is bait and switch. they need to make it right. It was because of this offer is why my wife and I choose this Amex card,.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: FL

Complaint narrative:
DEROGATORY REMARKS/COLLECTIONS/ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I have received multiple calls from this and another number. They don't say anything when I answer or leave any message when I don't. I searched the numbers online and they come up as Comenity bank. I am current on my accounts and do not know why they call. At this point it feels like harrassment since they are calling at least twice a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: TX

Complaint narrative:
I scheduled a federal student loan payment for XX/XX/XXXX  through Nelnet, my assigned loan servicer. On XX/XX/XXXX  my payment is still showing as " processing ''. During this time interest is still being added to my account as if I haven't yet made a payment, unfairly punishing me for their slow payment processing service. 

If this were a one-time issue it would not be a huge deal as the extra interest would only amount to a few dollars. However, over the course of a 10,15, or 20 year loan it could easily amount to thousands of dollars in extra interest paid due to Nelnet 's extremely slow processing service. This unfairly punishes the consumer with extra interest charges despite it being no fault of my own, and in turn unfairly enriches the servicer. 

I've heard of many other Nelnet customers with the same experience and I'd like to this to be investigated and remedied as soon as possible. It's either not possible or extremely difficult to have your federal student loan servicer switched to a different servicer, allowing these companies to get away with things like this. It's incredibly frustrating, unjust, and should not be allowed to continue any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc.
State: DC

Complaint narrative:
I Never made these inquiries on my account! PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: FL

Complaint narrative:
DEROGATORY REMARKS/ACCOUNTS/COLLECTIONS 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 2023-10-17 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: NRA Group, LLC
State: FL

Complaint narrative:
This company is reporting as a collection on my credit report as a hospital bill when I have always had insurance im a nurse and I don't have any outstanding balances with any medical facility or hospital. I have requested multiple times for proof of this debt that I owe it so I can pay it if it in fact is mine and they fail to provide me with any documentation or anything. Please have them remove this from my credit report as it is hurting my scores and I am in middle of trying to purchase a home and this is causing me to have a subprime interest rate. Please help! Thank you!

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 2023-10-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/, letting them know I am a victim of identity theft and that 2 accounts were opened in my name. I went on to ask them to validate the account sand remove them if they couldn't. 

I sent the second letter to them on XX/XX/, letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. This included a police report on the identity theft. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I sent the 4th letter on XX/XX/, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. This also included a police report on the identity theft. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
They closed my credit card without any previous notice, So my card have XXXX points they even doesnt let me get this points they told me you should have at least XXXX points, all I need my points back because you the one who closed my account without any permission, the points never expired but you badly closed my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I have had a vehicle from US auto sales since XXXX  which was financed for XXXX. I have had my vehicle disabled multiple times including when my daughter was out of town which left her stranded at a gas station. Not only this but the warranty wasn't upheld on the contract. XXXX of XXXX  another company reached out to me via email stating i need to start paying them for the contract as they are servicing the account at which time i asked for a contract and i was told one is not available. I have reached out to us auto sales to find out it is out of business i have requested my title and contract and am left with nothing. I woke up to my vehicle being repossed from Westlake which doesn't own my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: MN

Complaint narrative:
I received a letter that my credit card was closed effective immediately on XX/XX/. Subsequently, I received letters that my 2 checking and 2 savings accounts will also be closed effective XX/XX/XXXX  on XX/XX/. I went into a branch and they said that they did not see any suspicious activity or reason why the accounts would be closed. When I called the number on the letters, they also said that there was no reason listed. This impacts my available credit significantly, and I have no derogatory marks.

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 2023-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: KEYCORP
State: OH

Complaint narrative:
I am writing to address an issue I encountered during my recent visit to Key Bank in XXXX Ohio on XX/XX/XXXX, for a scheduled XXXXXXXX XXXX. appointment. 

During my visit, I expressed interest in obtaining a personal loan. The loan officer initially attempted to assess my eligibility using my boyfriend 's credit, but as he did not have an established credit history, we opted to use mine. Following this, I was informed that a response would be forthcoming, prompting my departure. 

On Monday, XX/XX/XXXX, at XXXX XXXX., I received a call indicating that I lacked any credit history. I took the opportunity to provide evidence to the contrary, citing my successful completion of car payments in XXXX without any delinquencies. 

Subsequently, I accessed XXXX to confirm my credit status. To my surprise, all records appeared to be absent. However, I possess screenshots from XXXX XXXX substantiating my credit history. The loan officer mentioned the need to consult with higher authorities, but regrettably, no follow-up communication ensued. 

With this in mind, I reached out once more on XX/XX/XXXX. Unfortunately, XXXX XXXX XXXX was unavailable, and I spoke with XXXX XXXX instead. I conveyed the circumstances, to which she suggested that I might not have sufficient credit history. In response, I provided a detailed explanation of my creditworthiness over the phone. XXXX XXXX indicated that a requirement for three open accounts to secure a personal loan is a misinformed assertion. 

Regrettably, I am compelled to express concerns of potential discrimination in this process. Given my longstanding association with XXXX XXXX 's family, particularly with her child, XXXX XXXX, I am disheartened by what appears to be a bias against me. 

As of my last inquiry, my credit score stands at XXXX, a figure that typically meets the criteria for a personal loan. I remain committed to working towards a satisfactory resolution to this matter. 

I kindly request a thorough review of my application and a prompt response. Additionally, I would appreciate any specific feedback regarding the eligibility criteria for future reference. 

Thank you for your attention to this matter, and I look forward to your timely response.

Company response to consumer: Closed with explanation