vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 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: CA

Complaint narrative:
I waited an extremely long time to speak with Nelnet customer support on XX/XX/XXXX. I was calling to inquire about my payment history on my loans, as I have questions about the balance indicated by Nelnet to close my loan accounts. I was informed that Nelnet did not have that payment history due to my loans being transferred from Great Lakes. I do not feel comfortable, nor do I find it sound business practice, to simply trust this loan management vendor that I have never previously worked with. Nelnet confirmed they would be unable to source the history on my account, and that I should reach out to the Department of Education for clarity. The Dept of Education website can also only provide my current balances, and not my payment history. I submitted a complaint with the dept of education on XX/XX/XXXX seeking to secure my payment history- and I received an automated message indicating they would follow up with more information in 15 days. Today is the 15th day and I've received no communication from Nelnet or the Federal Student Aid Information Center. I will refuse to pay the interest accrued while my loan are in an incomplete administrative limbo, and I would like to sever my ties with Nelnet immediately given their inability to provide full and accurate information regarding my accounts. Great Lakes, Nelnet, The Department of Education, and the Federal Student Aid Information Center have all failed their responsibilities to me as a financial products consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Esusu, Inc.
State: FL

Complaint narrative:
This is my second complaint on Esusu. 

From my First complaint submitted XX/XX/2023 Earlier in the year ( 2023 ) I got an email from the company that manages my apartment complex wed all be auto enrolled in Esusu a reporting entity which would report on our timely payment of rent. They sent instructions to opt out. I reached out three times. I was able to opt out the second call and ensured I had been removed from their system. Come XXXX their account came up on my report. I had been enrolled anyways and it impacted my credit both as a hard inquiry and my credit age. 

The issue now is they started reporting on my credit again as shown in my XXXX report. This supposedly after deleting all my information. I don't trust in Esusu 's competence to manage its users ( who where enrolled without their expressed consent ) and I'm desperately trying to ensure they delete my information and remove themselves from having any impact on my credit score. 

I want to be able to chose the financial services I use and not be forced into them and kept with them while they profit at my expense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: AXOS FINANCIAL, INC.
State: IL

Complaint narrative:
XXXX XXXX, AVP of Axos Bank, sent my full SSN in an unencrypted PDF to an unverified email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On XX/XX/XXXXXXXX my wife and I hired XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MO, XXXX, to dig a new water line and install new pipes in our property in XXXX, MO. The cost was over {$8000.00} so we paid half and XXXX XXXX said we could finance half through their company. It turns out the financing was through Synchrony Bank when XXXX XXXX texted paperwork to sign. We were told we would have 12 months to pay off the balance and there would be no interest charged on the account by XXXX XXXX and Synchrony bank credit. As of XX/XX/XXXX, I have never received a bill for the amount financed nor have I received any paperwork or copy of the agreement we signed by text. Synchrony Bank was contacted today and the amount of the balance increased from {$4300.00} to over {$4400.00} with no paperwork sent to explain the difference. Synchrony customer service stated a statement has been mailed XXXX but we have received nothing. I was told XXXX XXXX lied to us about the payment and no interest being charged if paid within 12 months. XXXX XXXX was contacted and stated on XX/XX/XXXX, they did not lie as XXXX XXXX told my wife and me what Synchrony Bank told them. Since we have received no paperwork, we have nothing to argue with either company on the financing agreement we signed. Synchrony is charging us interest but we do not know what rate we are being charged as no paperwork has been sent to us. We have been taken advantage of by Synchrony Bank but have no proof. I was sent a credit card only, no statement, no copy of any signed agreement on the balance financed. Do we not have a right to information on this financing?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: GA

Complaint narrative:
In XX/XX/2023, All student loans under my SSN were transferred from EdFinancial to XXXX as part of the forgiveness process from the United States Government for my service to my country. In XX/XX/2023, While the other XXXX Credit Bureaus were correctly reporting all my students, XXXX continued to reflect EdFinancial on my credit report. I immediately reported a dispute on my credit report, only for XXXX to report that EdFinancial reported the account as accurate. 

I got into contact with EdFinancial, who immediately reported that there was no account under my XXXX and that XXXX was providing me with an incorrect Credit Report from XX/XX/2023 to the present time. 

Since XX/XX/2023, I have provided XXXX with Sufficient Documentation from EdFinancial and the US Government that shows I have no student loan debt. However, they continue to report the XXXX accounts under my name and XXXX, hindering my ability to purchase a home or car at affordable rates due to my credit score being impacted as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, a fraudulent charge of {$1700.00} was made on my Bank of America credit card by XXXX XXXX. I had been in the pharmacy, but my charge was for an item under {$4.00}. On XX/XX/XXXX, Bank of America documented the fraud dispute and removed the charges. Without properly performing the necessary inquiry and without proper explanation, Bank of American reinstated the charge the following month. I have repeatedly explained to Bank of America representatives that this charge was fraudulent. Nonetheless, Bank of America has erroneously continued to demand payment for this fraudulent charge and has illegitimately ruined my credit score by over 350 points. On XX/XX/XXXX, Bank of American wrote that it had made the decision to close my credit card. Because of Bank of America 's actions in ruining my credit, I am now unable to obtain any reasonable credit, including another credit card. 

I repeatedly and in good faith attempted to resolve this fraudulent charge but Bank of American has stonewalled with no explanation. The customer service department claims they are unable to access the account and to resolve this issue in any manner. The bank branches that I have visited also say they are powerless to resolve the baseless actions taken by Bank of America. 

Bank of America has repeated harassed me to pay a fraudulent charge that they failed to properly investigate. Bank of America has violated my right to have fair and accurate reporting of my credit information. I have been attempting to work on this issue for months with absolutely no resolution to this problem. Bank of America representatives, including branch employees are at a loss as to what steps to take to correct this problem and cant even access the credit card to rectify the issue. They don't even have a phone number to their legal department and say that they don't even have a legal department. 

I have been a board certified physician in good ethical standing, and good financial status for over 50 years. My reputation and financial status was unblemished until Bank of America recklessly handled the fraud charge on my credit card and erroneously notified credit bureaus that I had not paid my obligations. Bank of American continues to wrongfully claim that I owe them the {$1700.00} charge from XXXX plus penalties and interest. They have been inept, reckless and possibly fraudulent. I relied on them to properly perform their duties with regard to this fraudulent charge.

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 2024-01-25 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: TX

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. 

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 2024-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One I'd mail a letter on XX/XX/2024 to provide proof of documents to make sure you're in compliance with Federal Law. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments. 
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I asking to provide proof a statement has been DELIEVERED by Capital One. NOT SENT by Capital One but, proof it has been delivered with sufficient evidence of Tracking, Date, Time as a receipt of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: EQUIFAX, INC.
State: LA

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. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with Wells Fargo regarding an unauthorized charge that had been recurring on my debit card since 2021. This charge, amounting to {$4.00} every month, had accumulated to over {$100.00}. After contacting Wells Fargo 's claim department, they acknowledged the total amount and assured me that an investigation would commence, with a promise to refund the money if the charges were confirmed as unauthorized. However, upon the conclusion of their investigation on XX/XX/XXXX, I discovered that only {$1.00} had been credited back to my account. This was contrary to my initial understanding based on our conversations. Further inquiries revealed that Wells Fargo 's policy only permitted refunds for unauthorized charges made within 60 days of the first occurrence by the same vendor. This policy was not communicated to me during our initial discussion and seems inconsistent with their assurances. As a consumer, I find this outcome unacceptable and inconsistent with the expectations set by Wells Fargo during our initial interactions.

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 2024-01-25 00:00:00
Product: Credit card — Store credit 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: TX

Complaint narrative:
Synchrony Financial is not reading the information and reviewing the evidence that is being presented. Amazon clearly stated to me that the return had been recieved and I provided evidence of this through chat transcripts and emails from Amazon. Then Amazon submitted to Synchrony that the return had not been recieved which is false. Amazon has been inconsistent in their details and story. This is a {$1900.00} that I have had charged to my account and I do not have the item and Amazon admits this. Synchrony continues to commit what I would consider fraud and refuses to provide the proper resolution to this issue. Syncrony is using an outsourced call center which can not understand XXXX  or communicate properly. Numerous times I have had to explain the situation just to have to reexplain the situation to them. Simple things Synchrony customer support can not understand or respond to in an appropriate manner. This has created a hostile situation between myself and Synchrony financial. I just want my money back it has been since XX/XX/2023. Synchrony has failed in their responsibilities to the customer and the providing quality service to their US customer base.

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 2024-01-25 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: Newport Intermediate Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I noticed unauthorized charges on my Northlane debit card. I notified them while the charges were outstanding but they still let them process. 

I sent in requested paperwork on XX/XX/XXXX, disputing the charges. 

Their customer agreement says it can take up to 30 days to have the funds returned. I called after the 30 days and was told it could be 45 days. I called on Friday XX/XX/XXXX and stated my claim would be escilated. 

Today I was informed it would be up to 90 days as that was the time alloted the company who accepted the charge to dispute and provide evidence. They stated that this time would expire on XX/XX/XXXX while 90 days is actually XX/XX/XXXX. When I try to discuss it I get hung up on. 

XXXX  charges were in dispute for {$280.00} XXXX XXXX {$77.00} and {$56.00} XXXX XXXX {$150.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of 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 explanation