vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/XXXX, I purchased an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$490.00}. With another product on the same bill, my total came to {$520.00}. The other product was satisfactory, but the aforementioned XXXX XXXX was defective upon arrival. 

Immediately after receiving the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I noticed it was non-functional right out of the box. I made diligent efforts to troubleshoot the product as per the owner 's manual but to no avail. 

Given that the product was not operational, I initiated a dispute with PayPal under the reference XXXX. After an extensive wait and multiple communications, the merchant proposed that I could return the defective product, but the cost of return shipping would be my responsibility. Considering the substantial weight and size of the product, the XXXX shipping label would cost nearly as much as the product 's original price. I reached out to the merchant to inquire if they would cover the return shipping, but I did not receive any response. 

Given the lack of resolution through PayPal and the merchant, I approached my credit card issuer, Synchrony Bank, to request a chargeback of {$490.00}, citing the reason as " Defective Product Received. '' Initially, the bank issued a temporary chargeback while they commenced their investigation. However, to my dismay, the chargeback was reversed in the merchant 's favor on XX/XX/XXXX. 

One of the pivotal reasons I opted to purchase this product online was due to the assurances provided by PayPal 's XXXX XXXX and the protective measures that come with credit card transactions. I had an inherent belief that these mechanisms would offer a safety net, ensuring my interests were safeguarded. I find it deeply concerning that despite these multiple layers of supposed protection, I find myself in this prolonged and arduous situation. 

I'd like to emphasize that over my tenure as a cardholder with Synchrony Bank, I've made transactions totaling more than {$10000.00}. Initiating chargebacks is not a habitual or recurrent action on my account. I've always approached my transactions responsibly, and I genuinely anticipated that the protections, especially in rare circumstances like these, would function seamlessly for a loyal and consistent customer like myself. Instead, I've been subjected to an extended waiting period, had to escalate the issue multiple times, and navigate a maze of processes, all for a matter that I believed was straightforward and should have been resolved in my favor from the onset.

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: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: AL

Complaint narrative:
In XX/XX/XXXX, I withdrew {$1000.00} to gift to my grandson for his wedding. In XX/XX/XXXX, I looked back in my bank records to see what I had gifted my grandson, because my 2nd grandson was getting married and I wanted to give him the same amount. Upon finding the withdrawal, I found the bank had actually withdrew {$10000.00}. However, I only received the {$1000.00}. 

When asking the bank manager, XXXX XXXX, ( First Horizon, XXXX, Alabama ), she " checked on '' it for about 30 minutes. She did provide a copy of the withdrawl slip. 
But this only confirms that the slip was tampered with because it it not in my handwriting. Then she came out and reported that the teller, XXXX?, had retired recently and they did not keep records or video surveillance beyond 6 months. I withdrew my money from the bank and deposited it at another local bank, XXXX. At XXXX, they told me that all banks should keep records for longer than 6 months. 

After contacting the home office of First Horizon in XXXX, TN, I was told that yes, this did not look like my handwriting and they would investigate through their fraud department. Three days later, they called and said they couldn't help. 

I feel like they are taking advantage of me because I am elderly. This money was my wife 's life insurance money. It was meant for me to survive on after her passing. {$9000.00} is nothing to a large bank, but it means survival for me. 

I have attached a copy of the withdrawal slip if you'd like to see it. The words " XXXX XXXX '' are not in my handwriting and the zeros have been changed. 

Also, my daughter is helping me file this complaint. If you have any questions, feel free to call her, XXXX XXXX, @ XXXX or via email at XXXX.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
please investigate and remove negative info enclosed

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: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I applied for the XXXX program on XX/XX/XXXX. My loans are handled by Nelnet. My loans have been accruing interest. I inquired with Nelnet on XX/XX/XXXX on when my XXXX application would be processed since they have continued to put my loans on forbearance but the interest has continued to accrue. They told me they had no way of contacting the department responsible for processing the applications and no way of telling me when my application would go through. In this time my interest has continued to accrue which shouldnt be happening with the XXXX program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: TX

Complaint narrative:
I've just learned that National Recovery Agency has gone around my back yet again to deliver more false info, this time being my address, or one associated with me to XXXX. On this alleged itemized bill that I've attached for you to view, shows an address in which I've never seen, heard of or have ever any connection with in any time or point in my life " XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX. '' I have already filed a dispute to XXXX who confirmed it false and had it deleted from my report. So far, I have had to go to each bureau and do what this " creditable '' collections company " NRA '' said they had already done on their " Non-Monitary Releif '' statement from my first complaint # XXXX, and make sure these were deleted. XXXX out of XXXX bureaus had any idea this was even requested on their end, but another was to correct my address. Which address is my question... Chatting via CFPB complaint, they say they had my current address wrong, which I've proven that was a lie, and as far the address they reported behind my back to XXXX who posted it on my credit report that this was somehow my address on the itemized receipt. 

I've been advised to treat this as identity theft, and make a statement letting it be known, I shouldn't have to keep learning more and more fouls from a larger collection company. They are either desperate, or employ anyone to let this kind of criminal damaging actions take place. 

These accruing damages that I've endured are more than I can continue to bear. I've spent over {$1000.00} in trying to discover who this bogus info came from and how to get it removed off my credit reports. Not to mention the health conditions I've been in since my discovery of this malpractice, or the lack of sleep, work, time with family that I can not get back...

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I mobile deposited a check for {$40000.00} into my primary Chase checking account ( which also has my wife 's name as a co-owner of the account ). My mobile deposit limit is {$75000.00}. The check was written on my wife 's account at XXXX XXXX XXXX. 

I received instant confirmation that the check had been accepted but none of the amount was immediately available. ( I did not object to a short delay. ) Within 48 hours the money was pulled from my wife 's account and I received notification that there was an " extended '' hold on the funds until XX/XX/XXXX. 

Since XX/XX/XXXX, the money has been in limbo ; not in my wife 's account, not in our joint account. 

There was no explanation from Chase as to why they placed an " extended hold '' on my funds and in fact, I received no communication at all from them. On XX/XX/XXXX I contacted Chase online about the ridiculous hold and they directed me to the " fraud '' department. 

Today I called the fraud department and inquired as to why there was a hold. They refuesed to answer with anything more than " policy ''. No explanation of what that policy is or why it was invoked in this situation. Moreover, I asked where the money was since it was neither in my wife 's account or our joint account. They again refused to answer. 

I was then asked what the purpose of the check was. I advised that was none of their business. 

After being on hold for XXXX minutes, Chase advised they had called XXXX XXXX XXXX and confirmed the check and had released the funds to our joint Chase account. 

There was literally NO reasonable explanation offered for why the extended hold was placed, or where the money was ( we know of course Chase had the money and was enjoying an interest free loan of {$40000.00} ). 

This was a remarkably insensitive " it's just our policy '' explanation and ignored the fact they were clearly illegally denying me access to my funds. 

As the " customer service '' fraud agent proudly congratulated himself on getting my money released ... ..I asked ... .since it was that simple, why didn't you do this 7 days ago rather than deny me my funds? No answer. 

This just can not be allowed to continue as a business practice.

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: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
On Sunday night I discovered someone was trying to deposit a electronic check my checking account at my bank and me and my bank also discovered other transactions that wasn't my doings and we filed fraud on the but however I am over my head in debt because someone has stolen my identity and my account information and and I have XXXX payday loans I can afford cover them and this problem at bank with identity theft and so I am {$7000.00} over my head in debt because identity theft scammers and hackers and thieves and credit bureau has my credit history all mess up where I can not consolidate my debts with a loan by letting these hackers and scammers use my identity to gain credit or do hard pulls and XXXX XXXX they are a liar I paid them every time each time on time but however I couldn't be at XXXX XXXX in 2023 I lived here in XXXX  Missouri then so please help me

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 — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
On XX/XX/2023, I submitted an application to consolidate my student loans ( which are all XXXX XXXX XXXX- XXXX of them ) into XXXX. I was doing this to ensure that all of the loans had the payment history on XXXX XXXX XXXX be forgiven. Nelnet them contacted me via email and said they couldn't process my application without the missing information they are requesting in a message in my account. There was NO SUCH MESSAGE anywhere in my account. I wrote back to tell them this, and they then said that I could not consolidate my loans, as I can only have XXXX consolidation loan. That is obviously a lie, because if I can only have XXXX of them .... then how is it that I already have XXXX, then? Makes no sense. Also, you CAN consolidate several consolidated loans into XXXX. According to the UPDATE ON CONSOLIDATION LOAN ISSUES XXXX XXXX AND XXXX, on Attachment A, Page XXXX, it states " A borrower XXXX consolidate an existing FFEL or XXXX XXXX XXXX Loan only if the borrower includes at least XXXX other eligible loan in the consolidation. The other eligible loan XXXX be another Consolidation Loan. If the existing Consolidation Loan is in default, the borrower must also either make satisfactory repayment arrangements on the defaulted loan, or must agree to repay the new Consolidation Loan under the income- sensitive ( for the FFEL Program ) or income contingent ( for the XXXX  XXXX XXXX XXXX repayment plan. '' So, in short, Nelnet lied to me and then began to ignore my emails asking for a solid explanation of why they were not processing my consolidation application, which remains in an 'open ' status to this day, over 6 months later. Their refusal to consolidate the loans in a timely manner led to the XXXX lesser consolidation loans being forgiven on XX/XX/XXXX, but the XXXX higher amount consolidation loans were not. Had that perfectly valid application been processed within the XXXX weeks it should have been, all of my loans would now be forgiven. XXXX, if I can only have ONE consolidation loan as they claim... then forgive the whole thing. This is costing me over XXXX, as I am one of those poor souls who has been subjected to extreme compounding interest resulting in a balance far higher than my orginal loan amounts, even after XXXX years. To say I'm frustrated and disappointed is by far an understatement. I expect heaven and XXXX to be moved to fix this issue in my favor. They LIED and then didn't bother doing their job or even communicating with me anymore. In fact, as we speak, I am coming up on an hour hold- it is nearly impossible to get through to them by phone and they don't answer emails. This isn't just plain incompetence .... this should be criminal! It is inexcuseable for an " Official '' Student Loan Servicer.

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: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
I was told that my bonus would be placed on there on XXXX separate occasions. I called on XX/XX/XXXX and XX/XX/XXXX and both times was told its on there and to wait XXXX weeks and its been more than XXXX weeks and nothing. I called again on XX/XX/XXXX and was told I am not eligible for any offer. I was told when I signed up my bonus would be XXXX bonus points after spending XXXX dollars in the first 3 months. I hit this milestone and then I was told to wait and it would be awarded and it wasnt and then I was told it wouldnt be awarded and wasnt a promotion for this card. I have the Southwest rapid rewards plus credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Vehicle loan or lease — Loan
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: AMERICAN HONDA FINANCE CORP
State: HI

Complaint narrative:
Paid off my XXXX XXXX XXXX in XXXX of XXXX. Was told my title was mailed out to me within the next 15 business days. Never received my title. Continued to call XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX every week for 7 months straight. Have been told it was getting resolved by a new title being issued and mailed out. Still never received title as of XXXX XXXX.

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: NY

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to address the apparent violation of the Fair Credit Reporting Act ( FCRA ) regarding unauthorized hard inquiries on my TRANSUNION credit report. Under the FCRA, 15U.S.C. 1681 Section 602 A, I am unequivocally granted the right to privacy, which includes safeguarding my credit information from unwarranted inquiries. Moreover,15 U.S.C. 1681 Section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instructions, leaving no room for doubt that these inquiries should not have occurred without my explicit consent. The following unauthorized hard inquiries were made.JXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX I insist that the CFPB thoroughly investigate these clear violations and take immediate and definitive action to remove these unauthorized hard inquiries from my TransUnion credit report. Such steps are imperative to uphold the FCRA and protect my fundamental right to privacy. Your swift and decisive intervention in resolving this matter is expected and appreciated. I have also attached documentation to this statement

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: GA

Complaint narrative:
I have recently reviewed my credit reports on XX/XX/ from TransUnion and have identified unauthorized inquiries that have appeared on my TransUnion credit profiles XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not provide consent for these inquiries, nor do I have any affiliation with the entities or individuals responsible for them. As a result, I believe these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I understand that the FCRA requires credit reporting agencies to maintain accurate and up-to-date credit information, and unauthorized inquiries have the potential to negatively impact my creditworthiness.

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: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank 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 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a account on my credit report that is not mine and belongs to someone else

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 — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: OR

Complaint narrative:
Dear XXXX XXXX XXXX XXXX XXXX, I am writing to officially file a complaint against Robinhood Markets Inc., a company that has garnered attention in the past for its controversial actions related to the restriction of trades on certain stocks and cryptocurrencies, including $ XXXX, $ XXXX, and $ XXXX. I find myself in the unfortunate position of having my XXXX account restricted for over a month, with the company displaying a concerning lack of diligence in addressing and resolving my issue. Despite my repeated attempts to resolve the situation through the provided channels, Robinhood has persisted in evading accountability and has failed to grant me access to my account.

My primary objective at this juncture is to liquidate the assets held within my Robinhood account, repatriate the funds to my designated bank account, and subsequently close my account with the company. My reasoning for taking such a drastic step is grounded in my deep concern that Robinhood appears to be engaging in fraudulent business practices. It is disconcerting to imagine the multitude of other customers who may be experiencing similar ordeals, enduring weeks of restricted account access, while Robinhood continues to reap the benefits of accumulating interest on these accounts.

To provide you with some essential information, my Robinhood account was established on or around XX/XX/2021, and my Account No. ( RHS ) is XXXX. The assets held within the account encompass a variety of cryptocurrencies and stock shares, as detailed below : Cryptocurrencies : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Stock Shares : XXXX : XXXX shares XXXX : XXXX shares XXXX : XXXX Share XXXX : XXXX Share XXXX XXXX XXXX Share XXXX : XXXX Share XXXX : XXXX Share XXXX  : XXXX shares XXXX : XXXX Shares In light of these circumstances, I earnestly request the intervention of the Consumer Fraud Protection Bureau. It is my fervent hope that the CFPB will demand Robinhood to promptly unlock my account, thereby restoring my access to my assets and funds.

The quality of service rendered by Robinhood has been nothing short of reprehensible, and I believe the company should be held accountable for its actions. Your assistance in addressing this matter is invaluable, as it is my belief that Robinhood Markets Inc. should be held accountable for their actions and practices.

I extend my sincere gratitude for your attention to this pressing matter. I trust in the Consumer Fraud Protection Bureau 's commitment to upholding consumer rights and ensuring a fair and transparent financial landscape. 

Sincerely, XXXX XXXX Phone Number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation