vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 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: FL

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy 15 USC 1681 section 604a section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666 b, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian stated in reply to my CFPB Complaint # XXXX that I submitted on XX/XX/ : Experian stated in their reply on XX/XX/ : Description Of Non - Monetary Relief " According to our records the disputed information does not appear on your credit report. " Unfortunately, these XXXX accounts were never removed at any point from my Experian Credit Report and are still reporting on the day of this complaint ( 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 
I want all these accounts deleted from my credit report immediately. 

I can prove these items were never not reporting and I disputed them CFPB Complaint # XXXX XXXX stating that Title 15 U.S.C 1681Section 602 states I have a right to privacy, and 15 USC states a consumer reporting agency can not furnish an account without my instructions.

I can prove this because I subscribe to 2 credit monitoring services that I pay separate fees to each month.

Additionally, I also check annualcredutreporrt .com on a weekly basis.

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 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I initiated a wire transfer for $ XXXX from Axos Bank. The recipient, XXXXXXXX XXXX, would not let the recipient have the money, so on XX/XX/XXXX, I recalled the wire transfer. I called Axos Bank many times and they said they had not heard from XXXX XXXX  and to wait 20 business days to check if the wire was returned. On the 21st business day, I again called Axos and they stated they would call XXXXXXXX XXXX  and to check back in 24 business hours. When I called them back, they said they still had not heard from XXXX, so I filed a complaint with the OCC and received an email from the OCC with a letter from Axos stating they had heard from XXXX and on XXXX XXXX. Per AxXXXX, on that same day XXXX requested a Hold Harmless Letter and they had no date of when that letter would be sent to XXXX. 

Once I received the letter on XX/XX/XXXX, I called Axos to see what was happening with the Hold Harmless Letter and they told me it would go out on XXXX XXXX. I called on that day and was told it would not go out until the XXXX. 

The morning of the XXXX, I received an email that they were closing my account per their Deposit Account Agreement. I have called them twice asking why my account was closed, but the agent just stated what was in the email. 

I was told in the email that they would still work on reclaiming the wire funds requested and the money mailed to me once received. Today, I called to speak to a manager and they stated it would take one to two business days for them to call me back. 

Part of this money is so my fianc can pay his hospital bill in XXXX, so he can come home. He has been waiting over two months for this money and both Axos and XXXX have held on to this money for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, an unknown individual was able to log into my mobile bank account and transfer {$5000.00} out of my account into another connected account this is not mines. 

I was in XXXX, Illinois for business at the time of this event. I went to make purchase, and my debit card was declined. By the time I realized money had been removed out of my account I immediately called USAA. I told them I did not transfer {$5000.00} and tried to reverse the transaction. They stated that once the transfer was created, that you could not reverse it. I only had + {$2500.00} in my account and USAA allowed my account to go into negative. I quickly, without hesitation transferred funds from my savings to zero out my account, change my passwords, etc as recommended. I filed 3 dispute thinking I would be able to get my funds back and USAA stated that there were no signs of fraud. 

My Friend, XXXX XXXX, whose account was connected where the " transfer '' went to stated that following my dispute his XXXX XXXX Account froze then closed his account. 

Since XX/XX/XXXX, USAA stated there is nothing they can do to get my {$5000.00} back, stated there were no signs of fraud even though 9 other transactions to my hacked XXXX account they refunded my funds back into my account. 

I have no clue where my {$5000.00} went and I need help resolving this issue. Someone was able to access my private bank account and move money out and put me through the most stressful financial issue I have ever been in, in my life and I need to exhaust all options so that I can get my money back and move forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Dear CFPB, I am writing to complain about the processing of my SAVE plan application by my loan servicer, Nelnet. I submitted my request on XX/XX/2023, through StudentAid.gov. Question number 11 on the application asks, " Has your income significantly decreased since you filed your last federal income tax return? '' I answered " No '' and provided my most recent federal income tax return. 

On XX/XX/2023, I called Nelnet to confirm what document I needed to submit. I was told that only my 1040 tax file was needed and that the wait time was 15 business days. I submitted my 1040 immediately after the phone call. 

I did not hear anything from Nelnet after 15 business days, so I called again on XX/XX/2023, to ask if everything was fine and if I needed to provide any additional information. I was told that everything was fine and that the wait time was 15 business days. I was told that I could call back in a week to check the status. 

On XX/XX/2023, I called Nelnet again because my application had still not been processed. I was told that my answer to question number 11 had been changed to " Yes '' and that I needed to provide pay stubs. I was also told that there was a note on my application requesting pay stubs from me and that my application had been on hold since XX/XX/2023. I never received this notice. I had called Nelnet twice before and spoken to a supervisor, and no one had ever informed me that my application had been changed for no reason and without my consent. This is unacceptable. 

Every time I call Nelnet, it takes about 2-3 hours to speak with a representative and another 45 minutes to 2 hours to reach a supervisor. The last time I called them, I submitted my pay stub during my wait time for the supervisor, and was told it will take at least another week only if expedited request is approved and was told this is the only solution available. Nelnet is extremely non-transparent with information and policy. I was told that one form was needed, and then later that the form was not needed. In fact, no one from Nelnet has ever explained to me the difference between the REPAYE plan and the revised REPAYE plan, which has caused a delay in my application to the SAVE plan. 

I believe that Nelnet 's handling of my application has been negligent. I have provided all of the required documentation, and I have spoken to representatives and supervisors on multiple occasions. I am still not sure why my application has been delayed, and I am concerned that I am being penalized for Nelnet 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Bridgecrest illegally and fraudulently repod a vehicle I was still making payments on, then resold it. They have broken many consumer laws including deceptive business practices. 
They need to remove their fraudulent reporting from my XXXX and XXXX credit reports. XXXX has already deleted it from my credit history. 
They claim to offer payment deferrals, but apparently they never actually give them to any customers. ( Please look at their reviews and the many consumers they have taken advantage of in this manner )

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX XXXX I received a copy of my credit report and noticed several discrepancies on my credit report being reported as collections. I do not notice these accounts and never applied for them. I then reached out to Transunion, XXXX, and XXXX to let them know of the incorrect info they where reporting as well as to report that I do not own these accounts. An investigation was done and these accounts were verified and they even updated the personal information on these accounts from first being fraudulent information to now the correct information that does belong to me. How is that lawful? I mean to update an account with someones personal information after they had already told you the account didn't belong to them is wrong in so many ways. By doing research I found out how to submit a complaint through CFPB. However, after doing so these account where closed. Yet are still being reported on my credit report. I am in need of my report to be corrected so that I may be able to utilize my credit to move forward in life. Please help 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 non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15 usc 1681 ( b ) ( 2 ) Permissible purpose of a consumer report- In accordance with written instructions of consumer ( Me ) to whom it relates. I did not give written instructions. To any bureau to pull my report and therefore all hard inquires must be removed immediately. 

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 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
FIFTH THIRD BANK NA, IT'S AGENT, REPRESENTIIVES AND OR EMPLOYEES COMMITTED FRAUD BY TYPING MY CHECKING ACCOUNT NUMBER ENDING IN XXXX, INTO XXXX XXXX ON THE DEPARTMENT OF THE TREASURY W9 FORM. 

PUTTING THEMSELVES IN A POSITION TO DEFRAUD ME OUT OF {$490000.00} INTEREST AND OR DIVIDEND INCOME PAYMENT SUBJECTING THE {$490000.00} TO FEDERAL WITHHOLDING INWHICH FIFTH THIRD BANK NA CAN CLAIM A NOMINEE OR MIDDLEMAN OWNERSHIP, RATHER THAN THE TRUE BENEFICIARY OWN, XXXX XXXX XXXX, SOLE MEMBER OF XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: NV

Complaint narrative:
On XXXX XXXX, I sent an email to the company, way2go to file a dispute. ( I didn't have time to sit on the phone and list all the transactions, so I used the email I was given. ) I did not receive any kind of response or confirmation that the dispute was received or processed. So, I went ahead and called customer service and was told that I did not type the email in the correct way, so I got the correct email and sent it off AGAIN on XX/XX/XXXX, I still haven't received any kind of response. The card was from unemployment, and I was trying to save as much as possible and still be able to pay things. So, when I got in a jam, XX/XX/XXXX, I figured I could use the money I was given. I explained in both emails that the money was needed badly because I was close to being evicted, and had to borrow money and take out loans to pay it after realizing the money o was no longer in my account. I went through the same thing prior to this one, and hid my card in a different spot, but not good enough obviously. I owe loans and family members so getting this money back is very critical for me right now, in the midst of paying rent and bills while trying to pay back money I shouldn't have had to borrow in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Over the past 6 months I have tried to dispute a account that I am not familiar with by the company of XXXX XXXX. I have called Equifax to dispute the file these months. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I dont even know where this account is coming from. There is no original creditor. Every time I request any type of proof that this belongs to me the Equifax representative says they can file a dispute for me and it will take 30 days and thats all they can do. I never get any resolution or paperwork regarding this account but it keeps reporting. It is fustrating because the other XXXX bureaus took it off immediately when they tried to verify the account when I was on the phone with them. I dont understand why it is so difficult to work with Equifax XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift 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 non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: NY

Complaint narrative:
I am unable to access my account. In the past, every time I tried to log in, they would tell me my password was wrong. It was not wrong. So I would ask for a new password and that would get me logged for one time. Subsequent attempts to log in met with the same problem. Now, their site is freezing. Also, I have received no letters in the mail regarding my account. This is unacceptable. I need access to my account in order to budget for my payment and, more importantly, keep track of my payments and my remaining balance.

Company response to consumer: Closed with explanation