vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The account is being reported as charge off and closed. I never received my copy of the 1099C to report the income. And have to inaccurate information removed. I also want to sue for damages from the fraud being committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Center Street Finance, LP dba CSF Servicing
State: VA

Complaint narrative:
The account is being reported as charge off and closed. I never received my copy of the 1099C to report the income. And have to inaccurate information removed. I also want to sue for damages from the fraud being committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
It happened XX/XX/2024 at XXXX. 

Someone withdrawal {$2600.00} from my Chase checking account with pin code authorized. Even i never lost my debit card. I had my debit card physically.

After that happen I claimed immediately at Chase fruad department. I also got a police report. But Chase bank denied to get back my money.

Chase bank refused to tell me who and where withdrawal from my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-12 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: SC

Complaint narrative:
My information was in a Data breach some information on my credit report is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Infiniti Financial Servises was paid in full sometime XX/XX/year>. I had payments pushed to the back to the end of the loan and was not told that my maturity date would not be moved up. Apparently. even after I paid the loan off, it was after the loan should have been paid in full. INfiniti financial services reported my last payments ( {$2900.00} as written off ) on my credit report. This means they wrote that amount off as a profit loss. They failed to provide me with a 1099C so that I could write that amount off as income. They are still reporting the balance, like I still ow but it was paid in full and they wrote that amount off on there taxes getting a tax break and reporting it on my credit as if I still owe them without providing me a 1099c. This is fraud As per the FCRA, I can seek statutory damages if a creditor reports inaccurate info about a debt. Infiniti financial services did this by incorrectly reporting the debt was written off and still claiming I owe, and by not providing me a 1099C

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I tried to cash my check at a check cash place, and it was unable to cash it so I went to my bank to deposit it and once I deposited it cleared after it clear the bank closed at my account and never gave me the money and told me that I need to contact XXXX XXXX to let them know that they Are able to give me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Im writing to formally request a form 1099 c cancellation of debt with account under my name that was charged off by XXXX XXXX sold to Lvnv in amount of XXXX dollars. IRS regulations section 6050p code creditors are required to issue form 1099c for debts ( XXXX ) dollars or more. Has been written off which constitutes a cancellation of debt. Please provide appropriate documentation it is essential for me to have form so I can report on my tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Ive been charged a {$20.00} fee for both checking accounts since Ive been using the XXXX program. I was always unsure of why I was being charged that and I know someone else who has it and isnt charged a fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally complain about Robinhoods handling of my account, specifically regarding unjust and unexpected fees that have resulted in a deficit in my account.

Recently, I received notifications from Robinhood indicating that my account has a deficit and that I need to deposit additional funds to cover this balance. The app has restricted my ability to open new positions until this deficit is resolved. However, I believe these charges are unfounded and do not accurately reflect my trading activities or account status. The notices do not provide a clear explanation or breakdown of how these fees were generated, and they appear arbitrary.

I am concerned that Robinhood is imposing charges without transparency or justification, effectively misappropriating client funds. This has caused unnecessary inconvenience and raised doubts about the platform 's fee management practices.

I request that the CFPB investigate Robinhoods fee structure and practices for handling account deficits. I also urge you to hold Robinhood accountable for any unjustified charges that may be affecting clients, as this could constitute a breach of fair business practices.

Thank you for your attention to this matter. I look forward to your assistance in resolving these issues. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Im writing to formally request a form 1099 c cancellation of debt with account under my name that was written and charged off by XXXX XXXX and Lvnv company it was sold to in amount of XXXX dollars. IRS regulations section 6050p requires any debt over XXXX dollars written off must provide form XXXX XXXX Income is not reported on credit reports please provide in a timely fashion so I can report on my tax return

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have 2 different accounts through the following company for 2 different amounts, neither of which I know what its from. 
XXXX. ) {$630.00} opened XX/XX/XXXX, XXXX multiple times XXXX. ) {$160.00} opened XXXX XXXX multiple times All I want is for these items to be dropped off since I feel these were back from when I was ages XXXX. They constantly are reopened for no reason which then adds more time on to them being on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2024, my Wells Fargo online banking account was hacked despite having XXXX. The perpetrator was able to request a {$1200.00} cash advance from my Wells Fargo credit card to my Wells Fargo checking account and have part of the monies XXXX  to unknown recipients. A police report has been made for this. Attached here. 

I promptly reported this to credit card services and have been told NOT to pay off the fraudulent {$1200.00} and {$60.00} cash advance fee. I am being charged an interest for this as Wells Fargo has not resolved my dispute. To date, {$12.00} has been charged and my credit score is being negatively impacted. 

Wells Fargo credit card representatives can not provide a resolution beyond transferring me to the online banking line whenever I call to inquire, and I am asked to revert back to credit card after explaining the issue. This leads me to go around in circles to no avail. 

Wells Fargo has also suggested that my checking account remain open to facilitate the resolution despite my strong desire to terminate my relationship.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I had identity theft I just filed a report you helped me tremendously no one else would anyway its just been awful this XXXX  XXXX is mine but got behind while sick but Im making payments trying to get this pd off the best I can! Have disputed with Experian the way the report is on credit they having nothing reporting Im payments not since XXXX of XXXX made XXXX XXXX XXXX XXXX XXXX and XXXX year of XXXX have not made yet in XXXX XXXX XXXX has reported to them the other XXXX took care of it but our to add something I didnt do good about that but something good that I do no! Taking a toll on health so bad trying to get what life I have back stressful! I dont wish on anyone!

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 2024-11-11 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: FL

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2024-11-11 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: MI

Complaint narrative:
As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have granted to Equifax or any affiliated entities to share my personal and financial information. This opt-out is made pursuant to 15 U.S.C. 6802.

Specifically, I am opting out of the sharing of the following information : Credit Acceptance ( Account Number : XXXX ) Michigan First ( Account Number : XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I requested the original contract with my wet signature as I have no recollection of entering into any agreement with LVNV Funding, I am requesting a copy of the original contract bearing my wet signature where I agreed to pay LVNV Funding. This document should indicate I am legally responsible for this debt with LVNV Funding. I do not recognize this debt and therefore request that you provide complete validation to confirm my legal obligation, including original documentation bearing my wet signature to support the claim

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I signed the XXXX and Im still getting charged with overdraft fees. Caused account to be in the negative a huge number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: IN

Complaint narrative:
The Department of Education required updated income details to be submitted by XX/XX/XXXX as payments resumed. Under threat of increasing my payment to the standard 10 year amount, I did what I was told. 

Submitting these details resulted in XXXX problems. 1 ) my payment was calculated without considering my spouse 's income, resulting in a doubled payment amount and 2 ) the deadline requiring this information to be submitted was then extended to XX/XX/XXXX and a release ( see XXXX XXXX XXXX  ) was put out describing that those whose payments were increased would have their payment amount reverted to the prior amount. The first problem was corrected before XXXX with much effort on my part. The second issue was not corrected. 

I have spoken to countless agents. Most of them have said that " many payments '' have been returned to their prior amount and that it's only a matter of time until this has been done for me. Applications have been submitted numerous times but overall, nothing has changed. 

Over the last XXXX  months, I have attempted to work closely with XXXX and the Department of Education. Many agents have promised that my payment will be returned to {$0.00} and nothing has been done. Most recently, on XX/XX/XXXX, I spoke with XXXX in XXXX  and submitted a statement from an email from XX/XX/XXXX as proof that my payment had previously been authorized to be XXXX and was assured this should take care of the problem. While this is information the DoE should have, I was assured they did not. " It usually does in this situation. '' As nothing happened to my payment amount over the last XXXX weeks, I contacted another agent, XXXX in XXXX  on XX/XX/XXXX. After placing me on hold to " get help, '' I was told that they had received my documentation but that my income details would need to be submitted again. I have been told and promised that my payment would be reverted to what it was previously in XXXX, and this has not yet been performed. Most recently I asked to speak to a supervisor, XXXX XXXX, and was told that I would hear from them by phone, but did not. 

I have been patient. I have provided proof of what my prior payment was. I have been patient with the transition process from XXXX and the Dept of Ed. This has become ridiculous. They need to follow through on their promises and stop misleading me. Happy to provide documentation as desired but this entire painstaking process should be well documented in their systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have granted to XXXX or any affiliated entities to share my personal and financial information. This opt-out is made pursuant to 15 U.S.C. 6802. 

Specifically, I am opting out of the sharing of the following information : Credit Acceptance ( Account Number : XXXX ) Michigan First ( Account Number : XXXX )

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Purchases being withdrawn after already being purchased

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: NY

Complaint narrative:
I do not recognize these credit inquiries and the bureaus did not removed as I asked.i am providing the identity theft report and l will attach to this. and please removed the inaccurate that is not mine.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed 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 non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I experienced hardship for over 7 years and were unable to pay but kept in communications with Navy Federal. My bill owed was closed and were written off then was deleted off my credit report and now Navy Federal is trying to reopen my obligation to pay them through a Collections company called XXXX XXXX XXXX. My credit report was flagged XX/XX/year> and there address is XXXX  XXXX  XXXX, XXXX, SC XXXX. This is an illegal attempt funds that was already written off and deleted from my credit report. Delete this from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation