vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 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: KS

Complaint narrative:
For over A YEAR now I have been emailing and trying to call Nelnet regarding my student loan account being incorrect. No one has answered me in a year. I finally got a hold of someone about 5 months ago after being on hold for 4 hours, they said that their accounting department would look into it and get back to me... they NEVER GOT BACK TO ME... .I finally gave up and filed a complaint with Consumer Finance Protection Bureau . Nelnet took about 2 months to reply that they would look into it. Then finally I received my very 1st response from Nelnet after 1 year of trying to get a hold of them. 
The correspondence is attached that states they would void the duplicate checks that were sent to me and I DID NOT CASH THESE DUPLICATE CHECKS AS INSTRUCTED BY NELNET OVER 2 YEARS AGO ... .THEY SAID AFTER THEY VOIDED THESE CHECKS ON XX/XX/XXXX THAT THEY WOULD FIX MY ACCOUNT ... .IT IS NOW XX/XX/XXXX AND NOTHING HAS BEEN DONE... MY ACCOUNT IS NOW IN REPAYMENT STATUS AND IT IS DOUBLE WHAT IT SHOULD BE AND INTEREST IS BEING CHARGED ON DOUBLE WHAT THE AMOUNT OWED SHOULD BE ... .i CALLED AGAIN TODAY AND ACTUALLY TALKED TO SOMEONE AND ONCE AGAIN WAS TOLD THAT ACCOUNTING WOULD CHECK INTO IT ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: AZ

Complaint narrative:
I checked my consumer report and I found out that XXXX XXXX XXXX, XXXX, whose address is XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX and phone number ( XXXX ) XXXX, is listed as a debt collector and is committing adverse action by reporting inaccurate, unauthorized information in my consumer report ; I never contract with them, and I did not provide written, not written, implied nor expressed consent, permission or instructions to them to make them assume that I wanted to contract with them in any way ; furthermore, I never provided my personal identifiable information to the above mentioned company to implied that I wanted to do any type of business with them, however, they are harming my name and reputation by reporting a collection on my consumer report.

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 2024-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
A person sent me {$60.00} in error on cash app XX/XX/XXXX ... That person informed me the next day XX/XX/XXXX. I acknowledge receiving the {$60.00} and sent back on XX/XX/XXXX standard delivery. That person filed a dispute on XX/XX/XXXX prior to calling me. Cash app investigate the dispute and refunded that person another {$60.00} on XX/XX/XXXX. Two weeks and two days later. I contacted cash app via the app and explained the error and requested a refund. They replied once refunded case closed. I informed them that they did not do due diligence on investigating the dispute because it {$60.00} had been returned on XXXX two days after originally sent. Therefore no refund of {$60.00} was due since account had already been made whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: CO

Complaint narrative:
IQ Data International XXXX XXXX XXXX Subject : Demand to Halt Collection Activities Account Number : XXXX Dear Representatives, I am writing to formally insist that you immediately cease all communication and collection activities related to the alleged debt associated with Account Number XXXX. 

As representatives of IQ Data International and XXXX XXXX XXXX, I am deeply concerned that your actions contravene various federal laws and Colorado state codes governing debt collection practices. I am alarmed by how much you appear to infringe upon individuals ' rights with fraudulent activities and violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and other relevant consumer protection laws. 

My concerns include, but are not limited to, the following : Fraudulent Debt Collection Practices : I maintain that the debt you attempt to collect is fraudulent and lacks proper validation. I demand that you cease spreading false information to the credit bureaus about an alleged debt associated with a XXXX individual who possesses significant assets in cryptocurrency and owns three homes in this country. Your actions are deceptive, and we both know it. 

Violation of Fair Debt Collection Practices Act ( FDCPA ) : Your actions constitute a flagrant violation of the FDCPA, which prohibits abusive, deceptive, and unfair debt collection practices. I demand you cease all communication with me and any third parties concerning this alleged debt. Your persistent verification of a fraudulent debt and repeated account openings demonstrate a disregard for federal debt collection laws. 

Verification of Debt : Under the FDCPA, you are required to verify the debt. Instead, you have presented the credit bureaus with a falsified document, a standard company practice, and violated my rights. 

Failure to comply with this cease demand will compel me to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating legal action against your company. 

Please be advised that I consider this matter extremely serious, and I expect your full cooperation in resolving this issue promptly. Any further attempts to collect on this alleged debt without proper verification will be viewed as a willful violation of the law. 

This letter is not an exhaustive statement of my legal or otherwise rights concerning the above-referenced debt. All rights are expressly reserved. 

Sincerely, XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: PA

Complaint narrative:
Please investigate these fraudulent accounts and provide information about your results. Delete immediately

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 2024-02-02 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: PA

Complaint narrative:
Please investigate these fraudulent accounts and provide information about your results. Delete immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A direct deposit was deposited into my checking account XX/XX/XXXX, at the same time my account was being closed, along with an outstanding claim. On XX/XX/XXXX my employer contacted me about the direct deposit which prompted me to contact Chase. Because on XX/XX/XXXX I was informed that the direct deposit would be sent back to the issuer. When I spoke to the XXXX on XX/XX/XXXX I was informed yes the check was sent back to my employer as of XX/XX/XXXX. I requested documentation to send to my employer and was directed to a branch. I visited the Chase branch at XXXX XXXX XXXX XXXX XXXX, and was informed that the check was actually sent to my home address. I informed the branch manager I never received it, and he gave me a phone number to call. I called the number and was informed the check was not mailed yet, it would be mailed on XX/XX/XXXX and take ten days. On XX/XX/XXXX I contacted Chase and was now informed that my funds are frozen because the outstanding claim from XXXX has not been resolved and to call back in three to five business days. I have been calling every three to five days being placed on hold for well over an hour each time with no resolution. I have spoken with several supervisors from different departments and no one can find the resolution just finger pointing. Its been over 60 days since this whole ordeal started and Chase is still refusing to release my funds or send me written documentation why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: FL

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 explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm filing a complaint against XXXX XXXX XXXX XXXX  and transunion for violating my legal rights to an accurate credit report supported by the fair credit act FCRA please see attached letter for more thorough information

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 2024-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
This company, XXXX XXXX is using threatening language, stating they will garnish my income and put a lien on my vehicle. They are violating the FDCPA rules not stating they are a debt collector. The voicemail provided lets you hear how they threaten me. They also never provided me with information regarding the debt I owed. They sent it to the wrong address. When I tried calling and talking to them XXXX was horribly rude, she talked over me and wouldn't listen to me. I've requested they stop calling me but they won't.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
The investigation resulted on the disputed claim that The cause of the problem is that capital one reported on XX/XX/2024 that I had a debt of XXXX pains to the credit bureau that is XXXX and because of that my credit went down from solid which caused me problems my payment date to pay is the XXXX of each month which my last payment was XXXX dollars which my available credit from my credit card is XXXX dollars I pay on time the credit that I use then how is it possible that if I paid on XX/XX/XXXX the XXXX dollars for the XXXX they report that I had a debt of XXXX dollars if my next payment is XX/XX/XXXX this is damaging my credit score and it is not fair because I make my payments on time I need you to help me solve this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
On XXXX I was notified by my employer that the law offices of Robert J. Colclough sent a wage garnishment letter for a credit card debt they claim I owe. 

This came out of the blue, I didnt receive anything from this law firm prior and was shocked to see they claim I owe {$6200.00} and the letter had judgement original date of XX/XX/XXXX then new renewal judgement date of XXXX. 

I called them immediately and spoke with a guy they called XXXX XXXX : I told him I did not owe this or had no idea of credit card debt, he was very rude, I asked him to send me proof of the debt and our call ended. 

They have asked that my paychecks be garnished at 20 % and the garnishment letter states the original amount due was {$3900.00} + {$2300.00} in interest. Ive also read similar reports about the practices of this firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: DC

Complaint narrative:
On XXXX a account was open without my permission. It has a XXXX charge in collection on my credit report. I contacted the comoany about it and its still on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
I requested a deferment from Sallie Mae and provided XXXX letters from my physician and my mental health professional at the Department of XXXX Affairs certifying my unemployability due to XXXX. To date, Sallie Mae never provided me with a decision on my request for deferment. Instead, Sallie Mae responded with repeated demands for payment by email, robocalls, and collection calls. Sallie Mae also responded by providing negative reports to credit reporting bureaus. 

I followed up with another letter asking for a decision on my deferment request and asking for the harassment to stop, attaching my first letter along with the accompanying physician and mental health professional notes. 

Sallie Mae did not acknowlege the two letters I provided from my XXXX XXXX XXXX XXXX XXXX XXXX but instead provided a form requesting the same information. Sallie Mae then proceeded with daily robocalls, collector calls, and emails demanding payment. 

After providing Sallie Mae with the same information regarding my unemployability due to XXXX, Sallie Mae proceeded with daily robocalls, collector calls, and emails demanding payment. No decision regarding my request for deferment has been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
When I asked for proof of the spa package refund and service charge, I was told to reference my app. I checked the app up at XXXX a.m., and it only showed a reference to the refund for the prepaid amount and credit. For {$48.00} for the hotel service charge. It was supposed to reflect on my card plus the applicable tax within XXXX business days. The front desk agent claimed they had already processed it and it was up to my bank how long it took for it to show up on my credit card. 

Apparently, that was all lies. 

Corporate Address Capital one Financial Corporation XXXX Capital One XXXX XXXX XXXX  XXXX Case number XXXX Original charge XXXX The company that charged me is : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: OH

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: MD

Complaint narrative:
I am writing to express my deep concern and frustration upon receiving a copy of my updated credit report. It has come to my attention that despite my previous communication of rectifying the error and mistake, the report still contains inaccuracies.

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 2024-02-05 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: FL

Complaint narrative:
Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.

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 2024-02-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

-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 It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.

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 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Paperwork is being sent to me via US Mail.

I believe XXXX of XXXX  has overcharged me by approximately {$1000.00} for XXXX, 2024, when I add up my purchases vs the total owed claimed by XXXX. 

XX/XX/XXXX -- I talked by phone to representatives who gave me confusing explanations. 

PREVIOUSLY -- I payed-off my credit card on XX/XX/XXXX by phone, based on what the comnputerized system told me I owed at that moment. The amount I payed was actually {$180.00} OVER that XX/XX/XXXX balance. 

According to the info the representatives gave me, there are around {$1900.00} of transactions in XXXX after that date, but XXXX claims I owe over {$2800.00}. 

The explanations seemed vague and unclear. 

I still believe XXXX is overcharging 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 monetary relief
Consumer complaint received 2024-02-02 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: Paypal Holdings, Inc
State: MS

Complaint narrative:
XXXX authorized a new account on XXXX/2024 after I froze all three credit reports on XXXX/2024. 

A new PayPal account in my name was opened today XXXX2024. On XXXX/2024 a {$600.00} charge was made.

Company response to consumer: Closed with explanation