vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The following bank ( s ) /credit card companies, has/have failed to properly acknowledge, verify, and credit properly tendered payments for the balances due on said credit card account ( s ). 

This/These company ( ies ) has/have also failed to properly verify, as per my ( the Creditor/Beneficiary 's ) request, what " credit '' was extended to me, by contract, by these companies in creation of any alleged " debt '' they claim that I owe? 

Additionally, said company ( ies ) have illegally and unlawfully closed said credit card account ( s ) and are illegally reporting them as " Closed by creditor '', despite the fact that I have not requested closure of any accounts. 

It is believed that this/these company ( ies ) have illegally retained, and therefore simply deposited all tendered " payment ( s ) -in-full '', without properly crediting and/or balancing the account ( s ), and are continuing to fraudelently and illegally engage in unlawful billing activities and correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
On XXXX XXXX XXXX  My navy federal debit card was stolen and a phone was taken as well. They accessed online and changed info. Then stole {$900.00}. Around XX/XX/XXXX I received mail from navy federal go prepaid that I were receiving a permanent provisional credit. This fraud took place around the same exact time XXXXXXXX XXXX XXXX XXXX XXXX  i realized my wallet and my sons phone was gone. I then read emails in my phone saying my providers card account sent money to my sons XXXX XXXX XXXX  that we didnt have totaling {$2300.00}. I never sent my son any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Payment attempted to Aidvantage on the following dates : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 Each time payment was reversed. I resubmitted my bank account information and tried submitting again, but still the payment is reversed. Unable to get in contact with the company. I tried to contact them through email on XX/XX/2023, and they have not replied. Now they are saying I missed my payment, without any notification. The only emails I received from them during this periods were confirmations that my payment had posted. There were no communications about reversed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: NJ

Complaint narrative:
I am writing to formally dispute the reporting of late payments on my XXXX XXXX file, specifically related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian XXXXXXXX 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 Upon reviewing my credit report ( Reference Number : XXXX ), I noticed that these late payments are inaccurately reported, which is adversely affecting my creditworthiness. 
Under the Fair Credit Reporting Act : 15 USC 1681 Section 602 guarantees my right to privacy. This ensures the confidentiality of my credit report and mandates that information on it must be reported in a way that is fair and accurate to protect the consumer 's privacy.

15 USC 1681 Section 604a Section 2 stipulates that a consumer reporting agency can not furnish a report containing information on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living without the consumer 's written instructions.

In light of these provisions, I challenge the authenticity and validity of the late payments recorded on my account and request your agency to produce evidence or documentation that validates this reporting in accordance with my written instructions.

Moreover, in alignment with 15 USC 1666b, 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 they have adopted reasonable procedures designed to ensure that each periodic statement contains the required information. Hence, I demand proof that the said procedures were correctly adhered to in my case If you can not produce the necessary documents validating these late payment entries, or if the entries are found to be inaccurate, I kindly demand that they be deleted immediately or be updated to reflect as Paid on Time or OK.

It is essential for credit reporting agencies to ensure that all consumer reports are accurate, and any inaccuracies are dealt with in a swift manner. I trust that you will handle this matter with the urgency and attention it demands.

Please initiate an investigation into this matter immediately. According to the FCRA, you are required to conduct this investigation within 30 days of receiving this letter. Upon completion, I request to be informed of the outcome of your investigation and to receive an updated copy of my credit report if any corrections are made.

I thank you in advance for your cooperation and expect a prompt resolution.

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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/23, I applied for a credit card from CapitalOne with an introductory 15 month 0 % interest rate, a 3 % interest rate on any transfers and a welcome bonus. Knowing my credit score was already rated " excellent '', I applied. In less than 3 minutes, I received a letter indicating that I was not approved based on 2 reasons : 1. Based on information that I provided, my income is insufficient for the amount of credit requested. ( First, I did not request any amount of credit and second, there was no question about the amount. 
2. Based on information that I provided, I have previously earned a spend bonus on this product. ( I do currently have a CapitalOne credit which I received over 2 years ago, which their rules indicate that I can apply for card if it has been 24 months ago ) I do not understand how CapitalOne can make a fair assessment of my finances and credit worthiness in 3 minutes or less, especially when there are only 4 to 5 questions! On top of this, the inquiry for the CapitalOne credit card left a hard inquiry on my credit report, which I want removed! I know that there is definitely something wrong with their assessment process, as I went to my bank the next day and was approved immediately for a similar credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
According to 12 US code 1431 Banks and Banking. Deposits were withheld and I was not given access, It caused hardship and jeopardized my welfare, and pursuit to happiness. I could not access the funds/credits that was deposit on a weekly time frame. I am expecting a Full Investigation

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 2023-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet has been completely incompetent when it comes to successfully processing IDR applications. I went to FASFA and applied for the SAVE IDR repayment plan. According to the payment calculator based on my income I should owe {$0.00}. FASFA confirmed that they had my permission to access my information from the IRS where they can easily see that I have always made under {$30000.00} a year. I submitted my IDR application along with a tax form sent by my employer but after finding out that Nelnet doesn't accept this as proof of income I went to my Nelnet account and uploaded a document showing a recent payment received from my employer as proof. Last week I got a notification on the website saying some information was missing from my IDR application and that they would send me email saying what they needed. I never received an email. I have already provided proof of income so there is no information missing. Now when I go to Nelnet site it doesn't even show my IDR application being processed any more and I can't reapply since the page of the FASFA site is experiencing an error. I have reuploaded my application and the proof of income to the Nelnet site. I have turned off Auto Debit since I should no longer owe them any money and have no intentions in paying when my low income qualifies me for no more payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: VA

Complaint narrative:
I have been trying to defer Parent Plus loan payments b/c my daughter is a full time grad student. I was getting no responses by submitting the online form. Been told different things by each rep I wait in hold to speak to for hours. Last rep said I had to wait until she attended first week of classes and it would trigger the code to show she was in fact still full time. I have resubmitted twice and I never hear anything from this lender. I get the online confirmation it was submitted, but no details and then it just disappears off their site and shows no record I even did it. I am tired of waiting on hold for hours when the website should be able to provide this information. I have been working on this since XXXX. Why tell us we have to wait if your company can not manage the processes you tell us to follow. I have also tried the press 1 to save your place in line and get a call back. No one calls back. This is chaotic and I have a job to perform and can not keep spending so much time on this, but now all my payments are past due and my great credit us going to get destroyed. What do we as consumers do when we can not contact anyone at this lender and we need help? I was also told by my personal school loans previous lender to consolidate mine and request tge XXXX payment plan or request they put me back into the deferrment I was in prior to doing that to meet that deadline, but got denied for both of those with Edfinancial. I am a struggling single XXXX trying to support my daughter in school to live. I can not afford to pay for two apts and thousands of dollars in school loans right now. This is beyond stressful. Edfinancial is the worst lender I have ever had experience with because it is impossible to reach them and their online forms and processes go nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: TX

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
The social security number that is on my credit report is not mine also there should be absolutely nobody else on allowed access or have any kind of credit limits of any sort under my name and personal information I have no clue who XXXX is this is some one stealing my identity

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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I ordered something from XXXX and it turned out to be a scam website. I called TJXRewards/Mastercard and they informed me that they can not issue a refund. It was a XXXX XXXX XXXX XXXX XXXX that costed XXXX. The website said it would ship from XXXX, but it turned out to be shipping from XXXX. Never received the item.

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Between XXXX and XXXX my car loan payments weren't being autopayed from my other bank account. I have a car loan through Wells Fargo that should have been set to autopay. It was set to autpay ever since 2021 and not sure why I was notified so late thereafter the fact my account was late. It has docked me over XXXX points. I'm asking in good faith for a good will adjustment from Wells Fargo but I have yet to hear anything back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: GA

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. 

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a victim of identity theft. I have filed all police reports, id theft affidavits and paperwork that is required under the FCRA. Synchrony bank was notified on XXXX occasions, that I never applied for, opened, authorized anyone else to open, or benefitted from the following accounts : Amazon / Synchrony Sams Club/ Synchrony PayPal/Synchrony These accounts were opened fraudulently and are not mine. I currently have a federal FCRA lawsuit in the XXXX XXXX of PA regarding the identity theft and am suing the major credit buraus. I have retained a consumer protection attorney to represent me for this identity theft. 

Synchrony bank was notified on XXXX occasions and all relevant identity theft documents were sent to them at the following address via certified mail : Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Synchrony bank responded on all XXXX accounts that they were removing them from my credit reports, closing the accounts due to fraud and that I was not responsible for the balances. 

Upon checking my XXXX credit report during preparation for my FCRA lawsuit, I noticed an XXXX XXXX made a soft inquiry on my report on XX/XX/2023. Upon further research, it has been determined that these same XXXX identity theft accounts that Synchrony was aware of, have been turned over to a collection agency ( XXXX XXXX ). 

This is illegal. I have attached the letters from Synchrony Bank proving they acknowledged these accounts were the result of fraud. I have also attached a copy of my identity theft lawsuit that is filed in Federal Court, my police report and FTC Identity theft affidavits for these accounts. I have also attached screenshots of these accounts from XXXX XXXX web portal showing they are trying to actively collect on them without regard to my identity theft.

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 2023-10-30 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: GA

Complaint narrative:
I am a victim of identity theft. I have identified account transactions that do not relate to any transactions made by me. It is evident that my personal financial information has been compromised and used without my consent or knowledge. Under federal law it is considered identity theft to use a persons identifying information without their consent. I am notifying all agencies who is reporting this account information to remove it from my name and any records pertaining to me. 

I have competed an identity theft report, with instructions, and identification which is attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: GA

Complaint narrative:
I am a victim of identity theft. I have identified account transactions that do not relate to any transactions made by me. It is evident that my personal financial information has been compromised and used without my consent or knowledge. Under federal law it is considered identity theft to use a persons identifying information without their consent. I am notifying all agencies who is reporting this account information to remove it from my name and any records pertaining to me. 

I have competed an identity theft report, with instructions, and identification which is attached to this complaint.

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 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
My XXXX XXXX XXXX did not know what he was doing as he was clicking the " buy '' button on his XXXX controller and by mistake, charged over {$4500.00} to my debit card. 
The money came straight out of my checking account and when we called XXXX, they told me I had to call the bank to have them reverse the charges. Anyone can call XXXX and verify this is exactly what they tell you. As soon as we did this, XXXX cut all of the access off to my son 's XXXX. He lost every single game I paid for over the last 2 years. The bank declined the charge back even though this was an error and XXXX honored the mistake by cutting off his access to XXXX. 
My banker at the branch said this is not fair and had the fraud team open the investigation back up. She said, Truist will fix this. I put XXXX of dollars in the bank, I gave them my mortgage, car loans and business/personal accounts. 
The bank declined the dispute a 2nd time and XXXX said there is nothing they can do about it. So the money is gone AND the games are all cut off. So now I am out everything. This is highly unfair. If I file a dispute, I expect my money back. I give Truist all of my business and they do not even look out for me. They should be in big trouble for stealing my funds. I am filing as many complaints as I can. I want my {$4500.00} back. NOW.

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