vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I paid my student loans off completely and have proof of a XXXX balance and proof of payment. Nelnet is continuing to charge me money. I have tried using their Chatbot to no avail. I have sat on hold for over 2 hours on multiple days. I've also emailed the company. No response from them and I whole heartedly believe they will not respond. I've kept receipts and proof of everything if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX reopened a collection account that was closed last year I've received mail and my credit was dinged again because of it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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.

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 2023-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
On XX/XX/XXXX, our vehicle was deemed a total loss, and my insurance company confirmed this, and reached out to TD Auto with them providing a pay-off amount. The insurance company promptly sent this amount, yet the company is claiming additional fees and interest due to a lack of notification about the total loss. However, they were indeed informed three times about the total loss, and their pay-off quote is valid for 30 days. Despite this, they are not honoring their commitment. TD Auto also stated that the would back date the fees/interest if they received a total loss statment with the date of the loss but they are not honoring that as well. This situation is highly incorrect and needs to be resolved appropriately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Wire transfer of {$99000.00} and {$100000.00} on About XX/XX/2022 Money was sent to XXXX XXXX XXXX

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

Complaint narrative:
I was checking prices of the hotel room through XXXX website and XXXX. The price that XXXX ( rerouted to XXXX ) was showing was slightly less than that of XXXX so I thought I would book directly through them. On the website I needed to provide my billing information prior to seeing what the final cost with taxes and fees. After providing my credit card number the final cost appeared on my screen of {$980.00} and it included over {$300.00} in additional fees from what they showed on their website and from the cost on XXXX. I had expected additional fees but that is excessive. I immediately stopped the transaction, never clicking on the PAY button on the booking site and immediately logged out. Within moments I received an alert that a charge of {$980.00} had been made to my credit card. I immediately reported it as a fraudulent charge to Citi Bank Credit Card and then I immediately called XXXX customer service and explained that I had not completed the booking process so did not intend to accept these charges. No more than 2 minutes had passed since I exited their website. The customer service representative offered to give me a slight discount but no where near the additional {$300.00} + charge that appeared from the original price. After a very lengthly conversation with the representative, and receiving no satisfaction I informed her that I would be disputing it with my credit card company. Their records will show that the room was not used. 
I sent a dispute claim to Visa. They contacted XXXX who denied the dispute so Visa refused to cancel the charges. I contacted Visa a second time informing them that it was a fraudulent charge on my card. They again contacted XXXX who again refused a refund. 
After researching XXXX I am confident that this is not a disputed claim. This is fraud. XXXX is claiming that since they have a no refund policy they will not cancel the transaction. I never gave permission for the charge. I only proceeded far enough in the transaction to see the final price. 
Upon researching XXXX online I see that this type of fraudulent behavior is not atypical for the company with numerous other customers experiencing similar issues. There is also a class action lawsuit with similar fraudulent behavior as what I experienced. XXXX XXXX XXXX  Even though I have shared this information about the fraudulent practices of XXXX with Citi bank Credit card company they continue to side with this unreputable company and refuse to credit me with this charge. 
I was very surprised that Citi did not support me in this event.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I opened an account at the XXXX, CO PNC after multiple visits to verify the promotional offer. The bank representative knew that I was opening the account to receive the {$400.00} bonus after {$5000.00} was direct deposited. The bank representative told me they would " keep an eye out '' for the $ 25 monthly service fee if the account did not have the required balance. Note the representative never used the phrase, " one time '' when he implied that the monthly service fee would be waived. I received multiple service fees. 

When I called PNC after the {$5000.00} deposit criteria had been met I was told that the account was not set up correctly at the depositing credit union to receive the bonus. 

I said that this should have been checked by PNC when the account was opened and when the direct deposits began. 

I asked them to dictate the explicit way the account needed to be set up so that it could be corrected and they refused to tell me. 

I asked them to correct the way the account was set up because there would be more deposits in the future, the bank XXXX said this was impossible and refused to investigate further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX  in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 captial one I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I received a letter in the mail from Chase Slate XXXX Visa Platinum postmarked XX/XX/XXXX stating that I had applied for a credit card but was denied. They utilized XXXX XXXX to pull my credit. I did not apply for a credit card recently. I called Chase on Sunday the XXXX to let them know this. I also called XXXX XXXX on XX/XX/XXXX to inform them. They put a fraud alert on my account/file and recommended I create a report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Financed the remaining balance of my lease with XXXX XXXX XXXX on XX/XX/2023. XXXX XXXX aka Chase show the balance paide off on XX/XX/2023. I was told that they needed a new copy of the odometer documentation. That was sent by XXXX. XXXX received " I filled out an online form of same. Did not hear anything else. Meanwhile, XXXX team reaches out to Chase multiple times but they refuse to discuss situation with them even though XXXX now owned the financing. I knew nothing of these conversations until my loan rate increase to 21 % as of XX/XX/2023. I contacted XXXX, contacted Chase. Visited the XXXX XXXX on XX/XX/XXXX and the branch XXXX printed out the entire loan package including an confirmed correct odometer reading. I took the package to XXXX that day and confirmed that it was signed for on XX/XX/XXXX. Expecting the title, I called and was told XXXX XXXX XXXX up to XXXX weeks. It was already XXXX weeks from receipt. Spoke to a supervisors, XXXX, ID XXXX and then XXXX ID XXXX. XXXX discovered that the title had still not been released because they did not have the Colorado Tax form. That had never been mentioned. Last week I got on the phone with Chase again with XXXX 's XXXX. She sent the Colorado XXXX for to XXXX and the title company. I called today and now they are waiting on the response from the CO XXXX XXXX. Meanwhile I wait with not XXXX. I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was charged XXXX dollar though back of America the problem was resolved but I can not get a different bank account or anything due to what they state the reason how the problem was solved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
I recently got my debit card stolen at a ATM in which someone did a unauthorized transaction. XXXX XXXX {$180.00} plus {$2.00} ATM {$200.00} plus ATM fee {$62.00} AtM Withdraw plus XXXX fee. I reported my card stolen and filed a dispute. I filed dispute I did not let her the same day I thought it was pretty fast no way they could investigate it that fast. So I filed an appeal and a couple days after that I got denied so I asked for an explanation for both reasons why because there's no reason why I shouldn't have got the denied XXXX have disputed and appealed the transactions XXXX times and they steady keep me too following appeal. I have not received my credit I am eligible for because once they deny your appeal the 10 days starts all the way back over I notice XXXX will never get my credit if they keep denying me for no reason. I have asked for documentation for the investigation and they have not sent me any explanation only questions i answered for my disputes. Not only that I talked to an agent and they told me the reason why they are denying claims because they need more time to do the investigation but in the policy it says they have 45 days to 90 days to do the investigation so why are they denying claims just to get more time it is actually setting the customer back on their credit that they are eligible for I have proof of all of this. I have been talking to chime about this problem and all they say they can do is file a rebuttal I have done XXXX times and still no evidence to why I am getting denied I just want my refunds but they refuse to give it to me. They are not following their policies correctly.they also refuse to give documentation of why my claim was denied that is explained on the denial email I keep on receiving they refuse to give me the documentation I don't think they have it because it's been a month and a half and no evidence from that letter they keep denying my disputes with They shouldn't be denying my claim if they don't even have evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am writing to complain to BANK OF AMERICA about the reported unauthorized inquiry 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, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX 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 XXXX Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: VA

Complaint narrative:
Mohela placed my loans into administrative forbearance without my permission and I can not get answers as to when my first payment is due, how much I owe, when my request to be placed into the SAVE plan will be complete, and whether my payment can be lowered because I lost my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
PLEASE DELETE THESES accounts I have never given my Premission for anyone to furish these Negative accounts. I know the law and I HAVE right Privavcy 1 ) XXXX XXXXXXXX Account # XXXX Delete 2 ) XXXX XXXX XXXX XXXX account # XXXX NEVER LATE 3 ) XXXX account # XXXX Delete 4 ) XXXX XXXX account # XXXX Delete 5 ) XXXX XXXX XXXXXXXX  account # XXXX Delete 6 ) XXXX XXXX XXXX  Account XXXX XXXX Never Late I never gave my permission to furnish any negative accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
I dispute the ownership of National Credit Adjusters Accounts XXXX and XXXX. Despite repeated disputes, the credit bureaus haven't provided the original credit application with my signature. They verified the information without proper validation. I demand the immediate removal of this misinformation. If not rectified promptly, legal action will be pursued. Contact all three parties involved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I am writing to complain to TOYOTA MOTOR CREDIT CO about the reported unauthorized inquiry 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, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXXI 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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have disputed an account reporting on my Experian credit report over the past several months which I have included some of those letters as an attachment. Interestingly enough, Experian has reported that the information that was disputed came back accurate. Well, a notation was never recorded on my credit report that the account was disputed even after I brought this matter to Experian 's attention. The notation is an important part of the dispute resolution process and is designed to provide transparency and inform anyone who reviews the credit report that there is an ongoing dispute regarding the accuracy of the reported information. 

XXXX XXXX has also just recently responded back to my latest dispute confirming that they have received " seven '' of my disputes over the past 120 days, disputing the accuracy of the account. Strangely enough, my Experian credit report does not indicate that the account was disputed. 

I am attaching a copy of some of my previous dispute letters sent to Experian, a copy of Experian response stating the account was verified, a copy of XXXX XXXX letter stating that they received " seven '' of my past disputes over the past 120 days, and a copy of my Experian credit report showing where my account was never noted to indicate the account was being disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Clarity services- I have emailed and mailed in several letters asking to dispute all the information on my report. I never get a response! They are putting false information on my XXXX report as well as other reports and its preventing me from opening accounts and it loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 

15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C. 1681 Section 604A : It also states that a consumer reporting agency can't furnish an account without my written instructions.

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