vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 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: DE

Complaint narrative:
I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.

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 2023-10-25 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: OH

Complaint narrative:
Upon checking, my TransUnion credit report showed up inquiries i never authorized. It seems to be fraudulent 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 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 non-monetary relief
Consumer complaint received 2023-10-25 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX I NEED THESE ACCOUNTS TO BE REVIEWED AND DELETED I CAN NOT HAVE THEM ON MY REPORT BECAUSE SOME OF THESE ACCOUNTS HAVE LATE PAYMENTS WHEN I HAVE NEVER PAID LATE XXXX XXXX {$6000.00}

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 2023-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I have stocks in an account held by robinhood investment. I had issues with my online account and reached out to the company support team, through their online app via live chat, which is their preferred method of communication, and left a message. I later received a callback by an employee of robinhood regarding my issue and to assist with resolving same .As a result of the process or method used to provide the help, i ended up being scammed, resulting in money being removed from multiple accounts. Since then i have been unable to reach anyone or receive a response to emails i sent robinhood. I received calls from multiple people but none were able to verify that they were legitimate employees who could assist me with resolving the issue regarding the fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to complain to FACTUAL DATA about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My complaint is that I have been scammed for approximately {$1300.00} through my card through online purchases from XXXX, XXXX, XXXX, and XXXX. All of these purchases happened on the dates of XX/XX/XXXX, XXXX and XXXX. I had filed a complaint and was provided a new card but the fraud department had claimed that the purchases show delivered to my address and that this was not a scam and had closed the claim. This is not true and XXXX first of all has to send a picture of all packages delivered to the houses. I do not have an XXXX account either for any of these purchases. It is absolutely ridiculous if they were to just look at these transactions it is 100 % red flags and they are easily scam purchases. If you look through all my transactions I have never been to XXXX. As well as the XXXX purchases are clearly fraud they are {$100.00} and over back to back. It is important to know that I have received 2 new cards since then.These transactions were on my 2nd to last card and therefore my accounting number will be different now. I will attach files of all the fraud transactions to this complaint.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Verisk Analytics Inc
State: PA

Complaint narrative:
I contacted Infutor / Verisk Marketing aka XXXX and requested that my record be deleted on XX/XX/2023. My latest report from XXXX XXXX shows that this company is still reporting my information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: OH

Complaint narrative:
Trying to settle the debt. The {$3800.00} loan I am being told will cost me {$7000.00} to payoff. The company refuses to settle the debt with me for anything less than {$6800.00}. Interest is 687 %. I was unaware that if I paid the remaining principal I would owe more than double the loan to payoff. At this rate and with this company 's practices I will never be able to pay this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : 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 non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: MO

Complaint narrative:
This 3rd party collections account was paid via debit card transaction. They are stating amount that is paid is owed on my credit report which is inaccurate. This was paid back on XX/XX/23

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 2023-10-25 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I have been dealing with Fay Servicing for about 2 years. My father passed away and I took over his loan payments. The first year there were no issues, then without notice the company stopped accepting my payments. Ive provided court probate documents and the company still wont work with me. As a result they have sent employees to place letters on the fence of the home in question ( stating the house was vacant or abandoned ) which resulted in the house being broken into. They also sent a third party property management company to remove the fence to the home so that a pad lock could be placed on the front door! They have been nothing short of a nightmare!! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I noticed 2 fraudulent transactions on my online bank statement. I called the bank that day and was told the charges would be reversed. 
On XX/XX/XXXX the charges were still showing on my account and I called again. This time I was told that because the charges were " pending '' I could not do anything about it yet. But the money had been removed from my account on XX/XX/XXXX. They said that I had to watch the account and call back to start a claim when it was no longer " pending '' and had " posted ''. I asked what the difference is between posted and pending since the money was gone. They said none. 
I only used a debit card because the bank advertised it was as safe as a credit card, but now they are telling me it is less safe than a credit card. 
I have lost over {$3000.00} and the bank is unresponsive. 
What can I do?

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 2023-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
I am qualified and approved for the SAVE plan, which sets my monthly payment at ~ {$180.00} a month. I have registered this with FederalStudentAid.gov.

Recently, my loan provider was switched to Mohela. Even though I am approved for the SAVE plan, Mohela reverted to outdated information, which almost doubles my monthly payment. I went through and I reapplied to the SAVE plan through Mohela 's website ( even though they should already know that I'm on that repayment plan ), and the website verified that I should be paying the ~ {$180.00}. Despite that, Mohela charged me the higher amount based on the outdated repayment plan on XX/XX/23. In order to talk to any customer support from Mohela, there is a 120+ minute wait on the phone -- I live on the west coast , and their hours are only east coast working hours, meaning it is next to impossible to reach them by phone. This is ridiculous and I can not believe that this company is being allowed to operate and charge student borrowers more than they should be able to, especially considering how hard this debt crisis is hitting the average person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, sent XXXX and Transunion a dispute letter 5 months ago regarding inaccurate information on my credit report. The accounts have yet to be verified and are still reporting. One account in particular was removed from my XXXX credit report last month, but XXXX and Transunion have failed to remove it. The account is collection XXXX XXXX XXXX XXXX. I am requesting that XXXX and Transunion follow suit and delete this unverified account. I am also demanding an investigation of the accounts listed in the dispute letter which I will attach for your reference. The letter is dated and time stamped. Investigate and remove the following accounts : 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 non-monetary relief
Consumer complaint received 2023-10-25 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: CA

Complaint narrative:
I am writing to formally file a complaint against US Bank, pertaining to their handling of my fraud claim, which I submitted on or around XX/XX/2023. The details of the situation are as follows : Fraud Claim Submission : On XX/XX/2023, I submitted a fraud claim amounting to over {$4000.00}, related to charges made on my lost/stolen card. 

US Banks Response : On XX/XX/2023, US Bank denied my fraud claim without requesting any supporting information or providing an explanation or evidence for their decision. 

Phone Conversation with " XXXX '' : Following the denial, I received a call from a representative named " XXXX '' on XX/XX/2023, from phone number XXXX. During the conversation, XXXX was rude and unhelpful, threatening to close the claim and treating me as if I were responsible for the charges. She informed me that their official policy required a police report for transactions above a certain amount. 

Submission of Police Report : In response to XXXX 's instructions, I promptly submitted a police report via fax on XX/XX/2023, to the number she provided. 

Lack of Communication : Despite my attempts to communicate with XXXX, my calls have gone unanswered, suggesting a lack of willingness to resolve the matter. 

I strongly believe that US Bank 's treatment of my case has been discriminatory and in violation of their own policies. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly. 

I appreciate your prompt attention to this matter and look forward to a swift and just resolution.

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 2023-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: AR

Complaint narrative:
On or about XX/XX/2023, I placed several calls to Nelnet concerning my student loans. I only got through twice after massive wait times, and neither representative was able to help. In fact, the second person explicitly told me she " couldn't do anything ''. The first representative was disconnected. When I tried calling back, there was a massive ( over an hour ) wait time just to speak to someone. The second representative told me they could not help me. I just wanted to change my due date by ONE day. Something they advertise is easy to do on their website, but instead, I was told to contact the department of education. This is the last time I could get anyone to answer or reply from Nelnet. After talking to the department of education, I was told that Nelnet was responsible for any type of payments or changing the due date. I attempted calling and emailing again and waited several hours, with no answer. Again, I have not been able to get anyone from Nelnet to answer my calls or emails. The only response I get is an automated reply. This is completely unacceptable. I waited on hold for a total of almost XXXX hours with no resolution. As a XXXX  and a XXXX XXXX XXXX finding that amount of time to just wait is next to impossible. I have NEVER had such a poor experience when trying to manage an account ... even the military and VA are better than Nelnet as far as " customer service ''. How am I expected to continue with payments when there is absolutely no effort to provide any type of service and the company is completely unreachable. This seems very fishy and almost like a scam. It is not the first time Nelnet has been caught in controversy -- i.e. the over XXXX XXXX dollars scammed from student loans...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
My bank sent an electronic payment to Mohela on XX/XX/XXXX for the amount of {$140.00} to be credited to my student loan payment which was due on the XXXX of XXXX. I logged onto my account on XX/XX/XXXX and noticed it was showing that I had not paid it. I messaged them and sat on hold for almost 4 hours waiting to speak to someone. When the person answered they said I sent it to the wrong address. Then they also said they had no record of a payment so I would need to call my bank to cancel the first one and send a new payment. My bank said they did receive it and attempted to call Mohela but could not get through. When I got home I had 2 letters from Mohela, one dated XX/XX/XXXX, stating they had received my payment but at the wrong address ( again it was electronic not paper ) and it would be credited and the other was a bill stating I had not paid anything. I went ahead and submitted another payment on the XXXX just to ensure it would be within the 15 day window. Neither payment has been credited and it is now the XXXX. I have also emailed 4 more times to no response at all. Now, it is almost time for another payment and I am not sure what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
So I opened a claim on XX/XX/2023 for the amount of {$430.00} whereas I returned some products but was never refunded. On XX/XX/2023 I noticed that my account was deducted the amount and I called the bank to find on which grounds was my claim denied. The first agent I spoke to told me that the merchant policy states that it doesn't matter if I return the products or not, they have the right to not give me my refund. So, in this case, I am out of money, and the merchant ( XXXX ) gets to keep the products that I returned. I tried to explain to the agent that this made no sense and that I should be entitled to get back my money but she started shouting at me and talking over me stating that what I was saying did not matter as I should have known this would happen the moment I made the purchase then she hangs up the phone. I called back again and spoke to a supervisor who gave me a different story saying that the merchant showed them that the package weight was less than what they sent me so they are not going to give me any money at all. I tried to explain to the agent that even when I send packages XXXX or XXXX doesn't always weigh the package but she told me that they can't reopen the claim or assist me any further then proceeded to insult me in a polite way then the call ended. So now I am out of my money, this is not what I expected from Chase Bank. I will close my account pretty soon as I am sure they have violated my consumer rights. I REFUSE TO BELIEVE THAT I AM NOT ENTITLED TO MY MONEY AFTER MAKING A RETURN, THIS IS RIDICULOUS Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: CITIBANK, N.A.
State: DC

Complaint narrative:
I had a Citi Bank XXXX XXXX and Credit Card. My flight for my cruise got canceled and the cruise would not issue a refund. The Citi Bank XXXX XXXX card, which I closed refunded the flight tickets. But the Citi Bank credit card is not issuing any refund. 

I also purchased a bedroom set from XXXX. The furniture was defective with tears, cracks and a broken dresser drawer. I wanted to return it within the window for returns, but they only offered to have someone look at it. They claim the furniture is not defective and I provided pictures to Citi Bank and they are not protecting me or my money and say I have to take these giants to court. 

I don't have time and this is just to much for my XXXX and XXXX. I've been taken advantage of and no one cares!

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 2023-10-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been reaching out to these companys regareting me being a victim of Identity theft and they have not helped me. I have wrote letters regarding these accounts to get removed off my credit report. I have not been able to get any response or help.

Company response to consumer: Closed with explanation