vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
This is the entire email exchange : XX/XX/2023 Dear XXXX, Thank you for your recent application for credit services from CashNetUSA and a loan from XXXX XXXX XXXX XXXXXXXX You applied through one of our marketing partners who referred your application to us. Your request was carefully considered, and we regret that we are unable to approve your request. 

Reasons for Denial of Credit Your recent application with CashNetUSA was not able to be processed due to the following reason ( XXXX ) : Applicant is ineligible to apply due to previous applications/ loans with CashNetUSA If you have any questions regarding this letter, you should contact CashNetUSA, or XXXX XXXX, care of CashNetUSA, at : CashNetUSA Customer Support XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX www.CashNetUSA.com My response : I never applied for anything with you or cashnetusa. I will be reporting this fraud to the FBI fraud division. 




Thank you for your most gracious attention in this matter, XXXX Kat Their reply : Dear XXXX, Thank you for contacting CashNetUSA to report a claim of identity theft/fraud. Please be advised that before we can process your claim, you must file a police report with your local authority. Please ask your local authority to include the XXXX  XXXX XXXX XXXX. bank account information that is listed on the application in the summary of the police report. If you do not have the bank account information please contact our Identity Theft Department at ( XXXX ) XXXX. 

Please note that if we do not receive a police report within the next XXXXeven ( 7 ) days, normal collections activity may begin on your account if a loan has been issued. 

Please fax a copy of the police report to ( XXXX ) XXXX, Attention : Identity Theft Department or email us at XXXX. Once we have verified the report, we will process your claim within XXXX ( XXXX ) business days. 

If you have any questions or concerns, our fraud team is available XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX to help answer all your questions via phone or email. 

CashNetUSA Identity Theft Department Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX www.CashNetUSA.com Address : CashNetUSA XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX  is reporting a late payment after I paid my account in full. According to the FCRA information has to be accurate and correct and if anything is not accurate it has to be removed. 

Account name XXXX XXXX  Account number XXXX Account type XXXX XXXX Responsibility Individual Date opened XX/XX/XXXX Status Open. {$9.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$9.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$0.00} Credit limit {$15000.00} Highest balance {$15000.00} Terms The statement attached shows that according to the statement the account was not past due.

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 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to file a formal complaint against Capital One, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. 

OnXXXX-XXXX, I sent a written request to Capital One, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. 

Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from Capital One. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. 

I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference. 

I believe that Capital One 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. 

I request that the CFPB conducts a thorough investigation into the non-compliance of Capital One with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that [ Creditor Name ] be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. 

Please consider this complaint as a formal request for investigation. 

I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
My student loan processor is Aidvantage. Before XXXX XXXX announced the SAVE plan, i applied for an Income-Driven Replacement Plan ( IDR plan ) in the last week of XX/XX/2023 to prepare for loan repayment. The following week, XXXX XXXX announced the SAVE plan. This new plan would cut my payments in half, which was crucial as I could not afford my IDR payment. I work for the state government and my wages are low. I initially submitted my SAVE application and followed up XXXX weeks later. Aidvantage representative said my application had been lost so we re-submitted an application together. I did not hear anything and assumed things were fine. On XX/XX/2023, I received an email notice that my monthly payment was still the XXXX amount ( my SAVE application had not gone through ). I contacted Aidvantage and worked with another representative who submitted a new SAVE application for me on XX/XX/2023. She informed me that my SAVE application would be approved by XX/XX/2023. It is XX/XX/2023 and my SAVE application has still not been processed. I have followed up with Aidvantage often, usually waiting on hold for at least XXXX minutes before speaking to an agent, and most recently, I waited for XXXX minutes to talk to an agent. She got my information and put me on hold for XXXX minutes and then hung up. I need help and have done everything I can on my end to make this work, the fault is on Aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2023 @ XXXX inside XXXX ( XXXX XXXX XXXX XXXX, CA ) I attempted to use a XXXX ATM to withdraw {$40.00}. After entering my pin and all other options the ATM was taking an exceptionally long time to process. As if it was frozen or something. So I asked the XXXX employee ( XXXX ) if the machine has had any problems. He came over and stood their with me and stated he wasnt aware of any issues, but was witnessing it not processing. After about another minute or so it finally said " dispensing cash ''. It dispensed my receipt and sounded as if it was counting the cash for an extended length of time, but the door never came open to dispense and then the screen just flashed back to the main screen you get to begin a new transaction. By this time there was also another XXXX employee ( XXXX ) standing with us as we are all standing there confused scratching our heads. I grabbed the receipt that it dispensed and it showed that the {$40.00} was withdrawn from my account but the three of us saw that it did not dispense and funds at all. As I am asking them who I would call the machine on its own went to a reboot screen or something like it was being restarted or something. At this point XXXX wrote an " out of order '' sign and placed it on the machine. Calling the number on the machine only leads to a recording telling you to contact your financial institution. Well when I reported it to Chime on XX/XX/2023 they initiated a dispute, i submitted my receipt and a statement and within 2 days got a claim denied resolution from them. I opened a rebuttal with them, submitted a selfie pic holding my ID and photo of my ID as per their request and within 12 hours they denied that rebuttal. I never received anything from them showing what their investigation involved. I do know they never tried to contact the witnesses. But if they only go by documents I sent then, yes, it would look as if i received the funds seeing as how that is what the receipt shows. But how can i have a document that shows the machine did not in fact dispense the funds? Since their denial of the rebuttal Chime doesnt reapond to my emails at all. When i call you cant get transferred to the investigation department and the customer service rep you talk to claims they can not see anything in the investigation and if i dont have any new documents then they will not do anything else involving this claim. ( Claim # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint due to inaccurate informations on my credit report. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly.

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not 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
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.

1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.

2. What is a FCRA violation?

Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number.

Agencies fail to follow guidelines for handling disputes.

3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.

Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).

I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I attempted to log in to my account and it said " access blocked ''. I went to a Citibank branch on XX/XX/2023 and was told they can not help me and that I needed to call a specific phone number. When I called the phone number they told me they could not provide any information and that they would be disconnecting the call. I asked them why my account was closed and if they would be returning my funds to me and they hung up the phone.

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 2023-10-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/2023 there were XXXX unauthorized transactions withdrew from my account totaling {$680.00}. These transactions were completed at an ATM at XXXX XXXX which I have never been. I submitted the dispute to the bank which I was advise it will take up to 10 days to recover place the credit in my account. However today on that XXXX day I was notified verbally and by email that the dispute has been declined and I will not receive my funds back in my account. The transaction was made while I still had my card in my wallet which is very confusing. Upon speaking with the bank they advised me to withdraw the remaining funds in my account because they have to mail out a new card and I wouldnt have access to the remaining funds. Which I did. Which is shown that the atm I use is less than XXXX mile from my house in XXXX XXXX. I am stuck and needing help because this transaction was unauthorized. There are cameras to prove this was not my transaction on atms. Please help. I am having an eviction without having access to my funds. This is my blue bird American Express prepaid account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am in need of help because I am being harassed by a debt collector who is repeatedly calling me after I told them that it was an inconvenient time to call me but they didnt stop there.

I looked up this law 15 USC 1692 which is the FDCPA and in Section 1692 c ( a ) ( 1 ) it says ( at any unusual time or place or a time or place known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock antemeridian and before XXXX o'clock postmeridian, local time at the consumer location.

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 2023-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
They refuse to delete this information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: GA

Complaint narrative:
I am filing a complaint due to inaccurate informations on my credit report. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly.

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: Paypal Holdings, Inc
State: MS

Complaint narrative:
I have a sole proprietorship. I use venmo for my financial transactions. My husband passed away I moved back with my family states away never thinking of these accounts until an old customer requested receipts from me. Upon calling venmo and XXXX  XXXX XXXX. I found out that my account has been compromised all of these years. Thousands tens of thousands of fraudulent transactions have went through and I was never notified of any of the transactions or the account log in credit shows being changed. XXXX XXXX XXXX  is trying to tell me that. They have an account profile with my name, address, date of birth email, and phone number with no transactions underneath it. Venmo has been dragging their feet and playing ignorant to the disputes that I am sending to them on all of these transactions that were unauthorized and not mine and have not sent me my money back..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: EdFinancial Services
State: MS

Complaint narrative:
Paid {$300.00} towards my student loans on XX/XX/23. Received a confirmation email. Today I received another email claiming my payment was overdue. 
When I logged in, I found that they reversed my payment. I Received no communication about this reversal. 
They encourage you to use their chat, but after answering all the bot questions it then tells you that the chat is disabled. Can't get ahold of anyone on the phone despite spending hours on hold. They want an account number to use the email form, but I can find an account number anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: CA

Complaint narrative:
Fraudulent accounts were opened in my name with XXXX  XXXX XXXX, XXXX, XXXX XXXX and XXXX and XXXX XXXX and associates

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 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/2023 someone used my name, social security and date of birth to open a Bank of America Credit Card in my name. They use an address in another state I have never lived in or been to, someone else 's email and phone number to apply for the card. 
I reached out to XXXX to report it by phone and by mail. I sent via certified mail to XXXX a copy of the letter I received from Bank of America along with a copy of my current drivers license which the same address on file. I call today after I received the certified mail green card to verify they had received my documents. XXXX at XXXX verified they received them on XX/XX/2023. She also said my credit file is flagged as potential fraud. However, I would need to file a complaint before they could removed the inquiry from my credit file and mark my credit file as fraudulent.

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 2023-10-13 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: AZ

Complaint narrative:
There are fraudulent accounts and inquiries on my report as this is impacting me on a daily basis. As I seen on the internet and the laws state that all information on credit report must be 100 % accurate. Please fully investigate these accounts and remove from my credit report due to unauthorized information that is being reported inaccurately. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with non-monetary relief