vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have submitted a complaint previously regarding Navient. I applied for private loan forgiveness on the basis of attending a fraudulent school and/or via XXXX  XXXX XXXX. I absolutely qualify for this relief, but was denied and the company refuses to provide information as to why outside of a generic statement that they have been sending to everyone. I have also not received a copy of my promissory note. I called Navient on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting a copy, it was supposed to be emailed to me, Ive not received anything. On XX/XX/XXXX I was told a copy would be emailed and physically mailed. On XX/XX/XXXX I was told it was mailed to the co-signer, there is no co-signer on my loan. The rep again said it would be sent, Ive still not received a copy. Navient should not be able to continue to collect on this debt. How is the not considered fraudulent? I should be released from the loans in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I can't log in to the website, It tells me that the username or password is incorrect. I have verified the username and password are correct. 
When I select forgot password it tells me to enter my username and click continue. 
Then I go to a let 's verify it's you window. I enter my phone number and select text message and click send code. 
Then I get a " This number doesn't match our records '' error. 
When I select forgot username and enter my date of birth and social security number I get a " Sorry, but that didn't match up '' error. 
I have been trying to reach a live person to help since Friday morning. That seems to be impossible. I tried four different phone numbers. 
Do they have bad information on me, has my identity been stolen, or is their customer service just broken? 
I can't contact a live person by phone to find out.

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 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
my credit is bad i have been through a divorce and two jobs in the last 3 years. 
I need an account with truist as my daughter can use the account and there is a branch about a block from here. how can i open a truist account. I have a deposit and will setup direct deposit

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 2024-08-26 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: Nelnet, Inc.
State: RI

Complaint narrative:
I applied for XXXX XXXX XXXX  XXXX  loan forgiveness ( XXXX ) and was approved on XX/XX/XXXX ( Nelnet informed XXXX on XX/XX/XXXX ). This letter is to request the expediting of the {$41000.00} federal XXXX  loan forgiveness due to a XXXX resulting from a work injury while in the performance of my Veterans Affairs position. XXXX states they have no record of the XXXX  discharge approval from Nelnet. This is preventing me from qualifying for a mortgage. I was scheduled to close on on XX/XX/XXXX, but my bank stated XXXX said they have no record of discharge from Nelnet during their credit check. XXXX also refused to call Nelnet with me on XX/XX/XXXX to help resolve/request Nelnet to resend since it had only been 109 days ( and apparently by law Nelnet can't resend a request until 150 days lapse unless XXXX allows them to ). On XX/XX/XXXX I was able to call with XXXXNelnet to XXXX and received permission for Nelnet to resend discharge request to XXXX. However, this process will take 30-60 days, and I will lose the home I'm supposed to but since the mortgage lender needs to show the discharge on the credit check this week to qualify for my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: ME

Complaint narrative:
I had a credit card through TD Bank, NA which they closed with no prior notification and no just cause simply because I hadn't used the card in a while. In doing so they also stole all my rewards points and would not reimburse them to me. They stated they can't reopen the account and if I wanted a credit card I had to reapply and take a dig to my credit score because they closed the account without just cause or notification. Had I been notified that it was about to be closed i would have used the card. The only reason I had not is because online banking was preventing me from redeeming my rewards points so the card offered no additional benefits. Customer service is terrible and TD Bank abuses the trust of clients. They should be required to notify a customer before any account is closed, not after it's happened so they can't do anything. They should also be able to reopen those accounts if they close them without cause or notification. I.e. if the customer did nothing wrong. They were completely and utterly unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 non-monetary relief
Consumer complaint received 2024-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: EGL US, LLC
State: MI

Complaint narrative:
On numerous dates I have requested the company provide me with proof of the validity of the account ( s ) balance ( s ) two accounts are being reported to the credit bureau and the company has FAILED to comply with my repeated request. I need BMG Money to comply with supplying the consumer XXXX XXXX XXXX a detailed itemized account statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-08-26 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: UT

Complaint narrative:
My husband and I used Affirm to book a vacation through XXXX. We had numerous issues and ended up reporting this charge as fraud after confiding in our bank. We spoke to someone in the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and ended up discussing the details. She told me that we most likely would not receive the full amount but she would try her best. 

We initially paid the full amount on XX/XX/2023 for XXXX. The Affirm loan was completely paid off. Then in XXXX, after trying to work with XXXX for XXXX  months, and not getting anywhere, we reported this charge to our bank. Who then on XX/XX/XXXX, put the full {$6700.00} back onto our account after working with Affirm. We were told that this was our money and that Affirm could not request the money back since this is how much they decided to refund us. 

Fast forward to XXXX, I received a phone call from a collection 's agency stating that we owed Affirm money and it wasn't paid, so now we are in collections. I told the collection 's agency our situation and they stated they would send this case back to Affirm to review. I have not received XXXX phone call from Affirm asking for payment for my loan. I am confused why it was sent to collections in the first place since this scenario was cleared with Affirm and XXXX XXXX XXXX XXXX. 

My husband and I went to apply for a business loan for our small family-owned business today and were denied since this claim has now negatively affected my credit. I need this cleared up with the credit bureau ASAP. 

Affirm is now requesting evidence of fraud when this was discussed with XXXX XXXX in XXXX of 2023. Why would Affirm disperse the money back to XXXX without checking into the situation first? Affirm sent our bank the money to pay us back. See the amounts attached with dates. It has been a year and this should have been resolved and never been an issue. 

I have used Affirm for many large purchases and have paid them off in FULL and I do not appreciate the lack of communication on Affirm 's end. 

My husband and I are now in collections with another agency, XXXX XXXX, who we have sent the SAME information and dispute letter from XXXX XXXX. We thought this was resolved and now this is really affecting our credit for our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On Friday, XX/XX/year>, I attempted to withdraw {$100.00} from my XXXX credit/debit card at a Wells Fargo Bank ATM at XXXX XXXX XXXX, XXXX, Georgia XXXX at XXXX. The cash was not dispensed, and I received a message saying that the cash had been withheld from the machine because the cash was not dispensed. I thought it might be a problem with my credit card so I attempted to withdraw {$300.00} from my checking account using my Wells Fargo debit card at XXXX. Again the cash did not dispense, and I received the same message that the money was being retained by the machine. When I checked the {$100.00} plus fees was deducted from my credit card and the {$300.00} was deducted from my checking account. I immediately called Wells Fargo ATM services and reported this and a claim was filed for the {$300.00}, but they said nothing could be done about the {$100.00}. I have yet to recover the {$100.00} and the {$300.00} has been temporarily credited to my account but not permanently.

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 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I have been a victim of identity theft and have not been able to obtain a bank account due to XXXX inaccurate reports, their report also includes a DL # thats has never belonged to me

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 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
First Horizon Bank Claim XXXX  XXXX XX/XX/XXXX, I ordered a vehicle to rent from XXXX. The vehicle was not available. At the time, I asked that the monies that XXXX had ALREADY debited be forwarded to the next vehicle. The next vehicle was LESS than the amount of the first vehicle and XXXX never refunded me. I made this claim to First Horizon. The claim stated that I did not receive a refund from the company when they didnt provide the car because it was unavailable. First Horizon gave a temporary reinstatement of the funds and then, later, upheld the XXXX 's falsehood. They referenced another date and vehicle, not the one in questions. This is a quote from the email exchange with First Horizon : The car that I received was not at the same rate. They applied XXXX. So I was due a refund. I did not receive the XXXX because it was never available to me and they knew it. Even the owner of that vehicle was frustrated with XXXX because they had not taken his car off the app following damages that THEY WERE SUPPOSED TO PAY. Instead of a XXXX XXXX I got a XXXX XXXX. Do you think those were the same rates? 
I PAID FOR THE CAR I WAS IN AND IF YOU LOOK AT THE DATES AND THE WITHDRAWALS YOU COULD SEE THAT. 
I paid for XXXX cars - one which did not get used because the company should not have had it on the site. 
I sent the pictures. 
XX/XX/XXXX PURCHASE - XXXX XXXX XXXX XXXX XXXX DATE XXXX # XXXX XXXX {$260.00} XXXX Do you see a refund applied to my account for this purchase? 

NO YOU DO NOT. 
I did in fact attempt to rent another vehicle the following week through XXXX because I didnt not realize that his car WASNT EVEN SUPPOSED TO BE ON THE APP. They did put me into another car that time for the same price. 
As I stated previously, Im NOT disputing that transaction. I told you that Id made an error the first time but you apparently didnt read the message with comprehension. 

I am going to get my attorney on this and Im going to report it to the feds for bank reg e violations. 

XXXX XXXX Now, First Horizon has stated that I owe them the monies and I constantly receive collections calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-26 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: VA

Complaint narrative:
On XXXX XXXX I received my credit report from you. It included the following incorrect information : 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. 

Delete account immediately, unless you want to be held {$1000.00} per violation A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2024-08-26 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: VA

Complaint narrative:
On XXXX XXXX I received my credit report from you. It included the following incorrect information : 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. 

Delete account immediately, unless you want to be held {$1000.00} per violation A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief