vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: W&A Intermediate Co., LLC
State: MS

Complaint narrative:
I have had my identity stolen and Im trying to clear up my credit report and the hospital has my insurance but didnt claim it under insurance I have called them numerous times

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Nelnet, Inc.
State: MS

Complaint narrative:
I have had my identity stolen and Im trying to clear up my credit report and the hospital has my insurance but didnt claim it under insurance I have called them numerous times

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: VA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: OK

Complaint narrative:
In XXXX, " XXXX XXXX XXXX XXXX XX/XX/XXXX '' appeared on my Experian and XXXX consumer credit reports. I have never signed any contracts or agreements with this company. They allege I owe a debt of {$1300.00}, which I attempted to validate and verify. I received no correspondence back from said company. In XX/XX/XXXX, I attempted twice to correct my reports and remove this account from my consume file. Both times XXXX and Experian claimed the debt was valid and kept the account on my reports, and failed to ever provide any material evidence of the investigation they supposedly performed. It is my assertion that absolutely no formal investigation was actually performed. Both agencies continue to stall my dispute processes by alleging that I did not send the proper documents necessary, which is an outright lie. I carefully assembled and sent via Certified US Mail my FTC ID Theft report, Dispute Letter, Identification, Social Security Card, and Proof of Address. Both Times XXXX and Experian falsely claimed they never received this information. XXXX also failed to enter a legally required Notice of Dispute, Mandatory under 15 USC 1681i ( 2 ) ( a ). I demand this willful non-compliance stop and the account be deleted from my reports Immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I am writing to express my deep concerns regarding a collection account that has been reported on my credit report by Midland Creditors. Despite my repeated attempts to seek assistance from the credit bureaus, I have faced challenges in resolving this issue effectively. The date that posted to my credit report was XXXX in the amount of {$610.00}. 

The collection account in question is one that I have no knowledge of, and I strongly believe that it has been inaccurately placed on my credit report. I am specifically disputing the validity of this debt and am urgently requesting for the original contract that bears my signature as proof of my association with this account. As I have no recollection or record of entering into any contractual agreement with Midland Creditors, I firmly believe that there has been a grave error in their reporting. 

Furthermore, I am aware of the legal obligations that collection agencies such as Midland Creditors must adhere to when attempting to collect a debt. I am certain that I have not received any written notification from Midland Creditors regarding this alleged debt, which further raises doubts about the legitimacy of the collection activity. 

I am writing to request your urgent assistance in investigating this matter further and providing me with the necessary support to rectify this erroneous reporting on my credit file. I trust that your expertise and experience in handling credit disputes will help to bring clarity and resolution to this pressing issue. 

I kindly urge you to prioritize this matter and expedite the process of verifying the accuracy of the collection account by Midland Creditors. Your timely intervention and support in resolving this dispute will be greatly appreciated. 

Thank you for your attention to this matter, and I look forward to a prompt and positive response from your end. 

Warm regards, [ Your Name ] [ Your XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have a letter from 3 months ago stating they will remove this file from my account it just reappeared as you can see this is affecting my ability to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: MS

Complaint narrative:
I have an account with Juno Finance. On XXXX  XX/XX/XXXX I received an email from Juno about a disruption in service. On Monday XX/XX/XXXX I received an email that I would no longer receive XXXX  % interest on my deposit. I started the process of withdrawing my money to another bank where I would earn more. On XX/XX/XXXX XXXX learned that the ACH transfer to the other bank failed and that transfers to my account were suspended and I tried to close the Juno account. On XX/XX/XXXX I learned that Juno can't or won't close my account and give me my money back. I have almost $ XXXX with Juno that's not earning interest and that I can't access.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have requested that my old phone number be removed from my personal statement/identity theft alert and credit report over a dozen times the past several years. XXXX/Equifax/XXXX have ignored this request over and over and over again. 
I DEMAND THAT XXXX EQUIFAX XXXX REMOVE THE PHONE NUMBER XXXX FROM MY CREDIT REPORT, INCLUDING MY PERSONAL STATEMENT AND IDENTITY THEFT ALERT. 
I DEMAND THAT XXXX EQUIFAX XXXX REPLACE THE NUMBER ABOVE WITH XXXX IMMEDIATELY FROM ALL PARTS OF MY CREDIT REPORT, INCLUDING PERSONAL STATEMENT AND IDENTITY THEFT ALERT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Review credit reports and found a discrepancy of a XXXX credit card never applied for never used by me identity theft. Previously file identity theft reports as well as supporting documents from local agencies. This XXXX credit card was never used or ever been applied for by the complaintant. This XXXX credit card is demanded to remove XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: MI

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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX/DOFED Account XXXX has violated my rights. Or a list of inquiries : 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 2024-05-16 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: MI

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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX/DOFED Account XXXX has violated my rights. Or a list of inquiries : 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 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I work for myself. A recent client was over a week late. Several ACH payments came in. I was charged a whopping {$34.00} for EACH as opposed to the bank just kicking them back. There is NO way to opt out of " overdraft protection. '' They call it protection, we call it abuse. I would rather have charges declined. Asked. They will not do it. Further, they only waive a maximum of {$100.00} per YEAR in these overdraft fees. It's entirely unfair. These must come down to just a few dollars. XXXX XXXX has enough money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Good Afternoon, Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX XXXX XXXX 
As a matter of fact, XXXX XXXX XXXX  and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by XXXX XXXX XXXX, the Biden administration has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. 

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 
These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. 
After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? 
Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. 
This application is a sham. 
Why do we need to prove anything? 
Navient knows who we are. 
Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. 
Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Approximately XXXX XX/XX/2024, I called Chrysler capital inquiring about how early termination of the lease works. Nobody made it clear to me that it was essentially a repossession. We were not struggling to make payments. We were mislead into leasing a XXXX  which lost half its value in the 10 months we had it. It also did not Perform as expected, and was no longer wanted. I was told there was the XXXX termination fee, plus another " administration fee '' of approximately XXXX. I have the exact amount written in a notebook. I asked for confirmation several times that those were all the fees we'd pay to be done with the lease and satisfy the contract. The response was affirmative. The next day, after that call, we turned the XXXX XXXX XXXX into the dealership per standard procedure and chrysler capital instruction. When I called back chrysler to ask how to pay the admin and early termination fees, and was informed suddenly " that's not how it works. You got ta wait for the final bill. A little over a week later, I get a letter showing they're gon na auction it, and I got ta pay more money than I was informed about ( the difference between what they tried to sell it to me for and the realized auction cost. '' It said the auction would be held XX/XX/2024. I called back and asked why they didn't disclose the process and fees correctly. They claimed they did. I said okay, then we will take the vehicle back. This was XXXX XXXXXXXX XXXX " Oh no, that's not possible, it's already been auctioned. '' I asked how this could be when the letter said XXXX XX/XX/2024 would be the auction date? They told me that the vehicle was sold and the title was now listed as " XXXX XXXX XXXX '' which meant they had disposed of the vehicle already. 
Currently, I'm trying to get the executive office to check the recording, and verify they messed up. I'm sure they won't, as nobody investigating themselves are gon na find any evidence of wrongdoing. 

On XXXX XX/XX/2024 I requested a transcript and they said I'd " need a subpoena. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My bank is Citibank. On XX/XX/2024, I had {$39000.00} on my checking account. My first payment, on that day, was a Direct Debit ( ACH ) to the IRS for {$14000.00}. Then, a payment to my credit card for {$21000.00} - which my bank called a " transfer '' because they issued my credit card. My 3rd payment was actually a transfer to my saving account for {$10000.00}. At that point, I didn't pay attention that I was overdraft because I have the overdraft protection between my checking and my savings. Finally, my XXXX payment was done thru XXXX for {$3000.00}. During the whole day, no where on the application it showed the overdraft, all my payments looked that they were processed. The day after, the payment for the IRS was rejected but all other payments were processed. I got penalties, interests and fees to pay to the IRS. I filed a complaint to my bank for not processing my payments in the order that I sent them. I was told that the payments that go first are the transfers from account to account and then the biggest amounts. I asked also when these rules where communicated to me because I was not aware of these. They didn't reply. I asked in which documentation these rules are shown but they told me that they did not have the documentation.

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 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I, owner and operator of XXXX XXXX, would like my balance of {$9800.00} returned to me immediately. On XX/XX/2020, my account was closed by bank of America for an unknow reason. I received a letter informing me that I will receive a cashier 's check of the balance remaining in the account within 30 days. I never received my funds back. I contacted customer services serval times and was hung up on. I sent a certified letter demanding my money, which was ignored. I reported Bank of America to the CA Secretary of State and received a letter saying that they still have my money, but they don't know who it belongs to?! I am now getting ready to file a lawsuit unless my money is returned.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-05-16 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: 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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