vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I opened a credit card with First National Bank of Omaha, which is exclusively affiliated with XXXX to offer XXXX reward travel. This Credit card charges {$99.00} annual membership fee. During the year XXXX - XXXX, on several prolonged occasions, XXXX has stopped providing services between XXXX XXXX where I reside and the rest of the country. As a result of no service for many months I have been unable to utilize my rewards to book tickets for XXXX services as I had previously planned and for the days I had planned for. I requested First National Bank of Omaha, on several occasions, to refund the membership fee and to close my credit account as I am unable to utilize award program as advertised. First National Bank of Omaha has refused to refund the membership fee but closed the 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 explanation
Consumer complaint received 2023-11-15 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: Regional Management Corporation
State: TX

Complaint narrative:
A hard inquiry was placed on my XXXX credit report on XX/XX/2023. I noticed the inquiry on my credit report on XX/XX/2023 and called the company immediately. I spoke with the manager and she said that she would get it removed. I followed up a few times after this and got the same response. This still has not happened up to this date. I spoke with the national branch a couple of times since as well including today ( XX/XX/2023 ). Today the branch manager is saying that I requested additional funds and approved the hard inquiry. These statements are totally false, and they have no proof of this. They will not remove the unauthorize inquiry, admit that they did not have my permission to run my credit, or provide proof that I requested a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: NY

Complaint narrative:
i was a victim of Identity thief, which cause my consumer report to drastically effected. I went from an XXXX XXXX Score to a XXXX in my attempt to clean up the mess made, i came to realized that there were many inaccurate information in my consumer report. As is expect base on the law 15 USC 1681 ( a ) ( 4 ) TO insure that the consumer reporting agencies exercise their grave responsibility with fairness. i sent the accurate information along with expected identification and documents ( Drivers license, Utility bill ) to prove that I am the natural consumer submitting this request. 
After XXXX weeks i received a letter from the agency ( Equifax stating that the information that they have does not match and requested that send the very identification that was sent with the first letter, i believe that they are Violating my rights. i have sent another letter and have heard nothing yet

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: NY

Complaint narrative:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or 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 2023-11-16 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: NY

Complaint narrative:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: NJ

Complaint narrative:
First they have not honored the post graduation deferrment of 6 months. My daughter graduated on XX/XX/. Her deferrment should have lasted to XX/XX/. However they showed on their website that her first payments were due on XXXX. We went ahead and paid on XX/XX/. On XX/XX/, they are showing as delinquent. The amount delinquent does not correspond to any specific loan. Their system makes no sense at all, and the information is never correct on the website! The company is NELNET. Also you can never get anyone on the phone, I have been left on hold multiple times for over 3 hours!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: Chime Financial Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

" CHIME '' ( mobile bank ) needs to refund me money that was stolen from my bank account. Theft occurred on XXXX XXXX XXXX XXXX XXXX 

" Chime '' contacted me via phone stating that they did not find any errors with the transaction. It was then that I requested a full detailed investigation report on how the investigation was conducted to determine that there were no errors found with the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital systems has called my work phone on multiple occasions. I have answered the phone and told them that the individual they are calling for no longer has this phone number and to stop calling my number. They refuse to stop calling me, I answer and greet them with my work phone greeting and they hang up, and they will not answer when I call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: IL

Complaint narrative:
I am writing to dispute the validity of the account associated with my name that your agency is attempting to collect. I recently received a notice from XXXX XXXXXXXX, dated XX/XX/XXXX, XXXX dated XX/XX/XXXX. However, I want to emphasize that this account is not mine and has never belonged to me. I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request that you take immediate action to removed negative marks from my credit report. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
I expect a prompt response within 30 days of the receipt of this letter, confirming that the erroneous account has been closed and that any negative reporting related to this account has been removed from my credit reports.

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 2023-11-15 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: IL

Complaint narrative:
I am writing to dispute the validity of the account associated with my name that your agency is attempting to collect. I recently received a notice from XXXX XXXXXXXX, dated XX/XX/XXXX, XXXX dated XX/XX/XXXX. However, I want to emphasize that this account is not mine and has never belonged to me. I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request that you take immediate action to removed negative marks from my credit report. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
I expect a prompt response within 30 days of the receipt of this letter, confirming that the erroneous account has been closed and that any negative reporting related to this account has been removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: DC

Complaint narrative:
Div Adj Serv is a collection agency that is trying to collect a debt to which they are not the original account holder and I have been receiving collection calls before and after business hours. Ive also been told by several representatives that this debt will be placed on my consumer reports for XXXX XXXX XXXX XXXX. Please remove this collection item from all three reporting credit bureaus XXXX XXXX XXXX XXXX as this is in violation and misuse of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Vanilla Visa and Incomm, outlining multiple instances where I believe consumer protection regulations have been violated, leading to a distressing and unsatisfactory experience. 

1. Dispute Cases : XXXX and XXXX On XX/XX/XXXX and XX/XX/XXXX, I initiated dispute cases with Vanilla Visa, addressing unauthorized charges on my account. Despite providing necessary documentation promptly and signing required forms, the handling of these disputes has been marred by a lack of transparency, unreasonable delays, and unprofessional behavior from Vanilla Visa representatives.

Regulations Violated : Regulation E ( 12 CFR 1005 ) : Electronic Fund Transfers Failure to promptly investigate and resolve reported errors or unauthorized transactions. 
2. Address Update Issues : On XX/XX/XXXX, I contacted XXXX to update my address from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  FL XXXX, to XXXX XXXX XXXX, XXXX XXXX, XXXX, FL, XXXX. Despite providing valid proof of the updated address, there appears to be confusion on the part of Vanilla Visa, as indicated in their email on XX/XX/XXXX.

Regulations Violated : Regulation E ( 12 CFR 1005 ) : Electronic Fund Transfers Failure to update account information promptly and accurately. 
3. Refund Status and Documentation Requests : On XX/XX/XXXX, I was informed that a check was sent out on XX/XX/2023. However, as of XX/XX/XXXX, I have not received the refund, and there have been repeated requests for additional documentation. 

Regulations Violated : Regulation E ( 12 CFR 1005 ) : Electronic Fund Transfers Failure to provide timely refunds for unauthorized transactions.

4. Unsatisfactory Customer Service : I have encountered unprofessional behavior from Vanilla Visa representatives, including being hung up on, given an attitude, and conflicting information about the status of my cases.

Regulations Violated : Unfair, deceptive, or abusive acts or practices ( UDAAP ) under the Dodd-Frank Wall Street Reform and Consumer Protection Act.

This entire experience has left me deeply dissatisfied, and I firmly believe that the outlined actions are in violation of established consumer protection regulations. Enclosed with this letter, please find the relevant supporting documentation.

I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate a fair and timely resolution to these matters. Your assistance is crucial in ensuring that consumer rights are protected. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: CITIBANK, N.A.
State: MO

Complaint narrative:
I contacted Citibank because of fraud charges by XXXX XXXX and ask them to stop the transaction before money is taken out. After a week of calling for an update they were unable to provide an update and the money was taken out. I provided them with the information requested including the Case No of the fraud report at XXXX XXXX. I have not received any satisfactory resolution after XXXX months of trying. Please help.

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 2023-11-15 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: PA

Complaint narrative:
I am writing to bring to your attention an issue regarding certain accounts on my credit report. 

-- -- -TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-15 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: PA

Complaint narrative:
XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 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. 

The following personal information is incorrect. 

XXXX 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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
This creditor has reapplied this debt to my XXXX profile on XX/XX/2023 despite it being previously removed from all XXXX bureaus by the previous company. 

It has since been bought by a new company XXXX Spring Oaks Capital LLC, ) in which once acquired took it upon themselves to reapply this item explicitly to my XXXX credit report ; which is most widely used. 

This action on their part has created obstacles for me in obtaining the credit essential for my daily needs in addition to experiencing higher interest rates and has recently caused a significant drop in my credit score, which was their dire intent. 

The resolve I would like to request for is the removal of this item from my credit report ( s ) so that my report can return to its original status before this circumstance and for the restoration of the lost credit score points due to their recent actions. 

Thank you for your time and attention to this matter. 

XXXX XXXX Please see the below item description reporting on XXXX Spring Oaks Capital LLC, XXXX XXXX XXXX XXXX, VA XXXX XXXX Re : Collection/Chargeoff Amount : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: CA

Complaint narrative:
In XXXX I was notified that the student loan freeze was ending and to go to Aidvantage ( the new carrier of my loans ). I went to their website, logged in and saw my loans. At the top of my account summary, there was an alert stating to renew my Income Driven Repayment Plan ( IDR ), although my current plan was not expiring until XX/XX/XXXX ( approx {$350.00} payment ). I submitted the application and was given a new payment amount of {$790.00} per month and that my old payment plan was no longer in effect. Instead of the new payment plan beginning in XX/XX/XXXX after the current plan expired, they just replaced the plan. Additionally at the beginning of XX/XX/XXXX, I logged into this account and checked my AutoPay status. There was no Autopay listed and no bank account listed. On XX/XX/XXXX, My bank account was debited {$790.00}. I called asking why they debited the money, and they explained that the autopay carried over from the previous carrier. I never received an email or phone call notifying me of this renewed auto pay and I never received an email or phone call stating that {$790.00} would be taking from my account on XX/XX/XXXX. This caused me to go into overdraft and upon asking Aidvantage to return the payment, they said it will take upto 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
On XXXX, I tried to pay my contractor {$2700.00}. 
I immediately contacted PayPal and expressed my concern that A ) the money was sent to the wrong person accidentally. PayPal told me to contact that person and ask for the money back. When I did that the person told me that his account was hacked XXXX years ago and he has no access to the PayPal account. So PayPal should not have allowed his account to remain active on the site and this would have prevented my mistake. 
B ) PayPal took out {$78.00} as a fee even though they advertised it as though there were no fees involved We are a non-profit and now we are out {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: NJ

Complaint narrative:
Kikoff is a company that is here to " help '' build credit however they are falsely reporting late payments on the following account # XXXX. Pursuant to 15 U.S. Code 1681s-2 this company has reason to believe that they are reporting inaccurately because the truth in lending act states that a creditor may NOT treat any payments as late. 15 U.S. Code 1666b. Additionally, to verify that those " late payments '' are true, I am requesting that this company sends me all accounting records pertaining to this account. If they can not provide it, I demand that this company updates my consumer report to reflect PAANL status which is " Paid As Agreed Never Late ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: IN

Complaint narrative:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress

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