vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america/edd I am got the first car that they send to me I wait for about twoXXXX  morning, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I call to bank of America Customer service And file dispute I call to check on my dispute status update and they told me still in progress.and I be waiting for the about almost 3 years already

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Conn's, Inc.
State: CA

Complaint narrative:
I requested a copy of the supposed original binding contract with my signature for comparison. I never received that just a statement with addresses that I don't reside nor have I ever resided. I do not have a legal contract with the company responding to cfbp inquiries nor lvn funding. Can you provide the original contract with my signature on it to verify this supposed debt? If not I demand this account to be deleted and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MA

Complaint narrative:
First, I have two extra loans that I have never gotten an answer for, as I never applied for them. I only was supposed to have 2 loans, and now I have 4 with all different interest rates. Second, I applied for the SAVE program to lower my monthly payments for student loans in XXXX. Originally, the amount was close to {$400.00} a month for a loan that was not very big. The SAVE option was supposed to lower that amount so that I could feasibly afford it each month. Ive gotten several messages about delays in processing my application, even after providing tax and employer information. The application is processing but my monthly payment is still {$380.00} by XXXX XXXX, 2023. I was informed of this amount on XX/XX/2023. I called Mohela to discuss this monthly amount, which I am UNABLE to afford. I was on hold for 2 1/2 hours before the line cut out. I called again after work and was on hold until I had to go to sleep 2 hours later. I have gotten no response from them about this. I am not able to pay the full amount for this loan, and should not be expected to until they have processed my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo
State: FL

Complaint narrative:
The company was having a system issue. when I first signed up for them I saw no interest so I sent a email to cancel months down the line they keept charging my card with out my knowledge after several email the reached out and said unfortunately I stuck paying for this credit builder loan I reached out again because I notice that they gave me a late payment when I cleary wasnt late theyve havent done nothing to fix it they are reporting a balance from three months and keep giving me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
Dear Sir ; I am XXXX XXXX theco-founder and general manager of XXXX XXXX XXXX XXXX , our company islocated in XXXX XXXX -U.S.A. from 35 years, and we used to work withdifferent countries in XXXX XXXX for outsourcing our work.Recently we noticedthat Freelancers from XXXX has the same complaint, that there are governmentalinstructions to stop the transactions unless they offer official paper orrelationship paper! Those restrictions are stated in more than one branch! anddid not happen in other countries. Western union shouldcommunicate more effectively with customers, especially more than 10 had thesame complaint about bad behavior from employees especially the ones in thebanks branches ( XXXX XXXX ). Please solve thisproblem in your branches in XXXX, or We will change our transactions toanother company dont have those troubles.For more informationabout complaints on Western Union , see this group : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: VW Credit
State: LA

Complaint narrative:
I am writing to file a formal complaint against Volkswagen Credit Inc regarding a matter related to the Fair Credit Reporting Act ( FCRA ). I am a federally protected consumer, and I am exercising my rights under 15 USC 6802 by opting out of any and all authorizations, be they written, unwritten, verbal, or non-verbal, that I may have provided to Volkswagen Credit Inc. 

Despite my efforts to address this matter directly with Volkswagen Credit Inc, I have not received a satisfactory resolution. I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are respected. 

Enclosed with this letter is my original correspondence to Volkswagen Credit Inc, dated XX/XX/2023, in which I formally requested the cessation of any authorization-related activities and compliance with 15 USC 6802 . I have yet to receive confirmation or any indication that my request has been processed. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure Volkswagen Credit Inc complies with the FCRA. I believe that a third-party intervention is necessary to resolve this issue. 

If additional information is required from me to facilitate this investigation, please do not hesitate to contact me at the provided contact information. I appreciate your attention to this matter and look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: LA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX regarding a matter related to the Fair Credit Reporting Act ( FCRA ). I am a federally protected consumer, and I am exercising my rights under 15 USC 6802 by opting out of any and all authorizations, be they written, unwritten, verbal, or non-verbal, that I may have provided to XXXX XXXX XXXX. 

Despite my efforts to address this matter directly with XXXX XXXX XXXX, I have not received a satisfactory resolution. I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are respected. 

Enclosed with this letter is my original correspondence to XXXX XXXX XXXX, dated XX/XX/2023, in which I formally requested the cessation of any authorization-related activities and compliance with 15 USC 6802 . I have yet to receive confirmation or any indication that my request has been processed. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure XXXX XXXX XXXX complies with the FCRA. I believe that a third-party intervention is necessary to resolve this issue. 

If additional information is required from me to facilitate this investigation, please do not hesitate to contact me at the provided contact information. I appreciate your attention to this matter and look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX regarding a matter related to the Fair Credit Reporting Act ( FCRA ). I am a federally protected consumer, and I am exercising my rights under 15 USC 6802 by opting out of any and all authorizations, be they written, unwritten, verbal, or non-verbal, that I may have provided to XXXX XXXX XXXX. 

Despite my efforts to address this matter directly with XXXX XXXX XXXX, I have not received a satisfactory resolution. I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are respected. 

Enclosed with this letter is my original correspondence to XXXX XXXX XXXX, dated XX/XX/2023, in which I formally requested the cessation of any authorization-related activities and compliance with 15 USC 6802 . I have yet to receive confirmation or any indication that my request has been processed. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure XXXX XXXX XXXX complies with the FCRA. I believe that a third-party intervention is necessary to resolve this issue. 

If additional information is required from me to facilitate this investigation, please do not hesitate to contact me at the provided contact information. I appreciate your attention to this matter and look forward to 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 2023-12-17 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: DC

Complaint narrative:
Credit bureaus reporting XXXX XXXXXXXX XXXX reporting incorrectly consistently ignoring XXXX police report XXXX and other evidence investigations and DISB report. Credit bureaus are not attachments letter to credit reports rebuttal letters consistently to all credit reports. Credit bureaus are colluding with XXXX XXXXXXXX XXXX reporting to damage my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Credit bureaus reporting XXXX XXXXXXXX XXXX reporting incorrectly consistently ignoring XXXX police report XXXX and other evidence investigations and DISB report. Credit bureaus are not attachments letter to credit reports rebuttal letters consistently to all credit reports. Credit bureaus are colluding with XXXX XXXX Bank reporting to damage 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 2023-12-17 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: DC

Complaint narrative:
Credit bureaus reporting XXXX XXXXXXXX XXXX reporting incorrectly consistently ignoring XXXX police report XXXX and other evidence investigations and DISB report. Credit bureaus are not attachments letter to credit reports rebuttal letters consistently to all credit reports. Credit bureaus are colluding with XXXX XXXXXXXX XXXX reporting to damage 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 2023-12-17 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-17 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-17 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: TN

Complaint narrative:
On Sunday XX/XX/XXXX I received a notification in my phone that a charge for XXXX of {$170.00} was made to my account. I did not make this purchase. I have spoken with XXXX and they do not see this charge on my account. My cards are setup to where if I use any of those cards they will link to my XXXX account. 

I waited until the charge posted and filed a dispute. 

Chime denied my dispute stating the charge is valid. I have asked for proof. Never received. The phone rep hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I am an XXXX citizen. I have purchased some properties in XXXX for investment. For rental proceeds and payments for managing the property I had opened an account with SunTrust bank. Recently this bank has been taken over by trust. For some reason I can't make XXXX payments and some rental deposits by property managing agents are denied. I contacted trust and they said they will Fix it. Nothing has been done so far.

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 2023-12-17 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: CA

Complaint narrative:
Hello, awhile back I opened another complaint about this lender and it is becoming very frustrating as of now, I am still getting reversal payment and the interest has now double my payments. This is needs to be fixed immediately. My loans were once at around XXXX and have now double to XXXX. The latest payment. 

Payment Confirmation # : XXXX Amount : {$210.00} Scheduled for : XX/XX/2023 Was rejected 4 times despite money being in my account. 
I recently submitted another payment. 

Payment Confirmation # : XXXX Amount : {$300.00} Scheduled for : XX/XX/2023 The issue with this is, I dont want to pay the interest due to their faulty system. I have been able to make payments successfully in the past but ever since XXXX. My loans have been getting rejected with interest double. Can we fix this and do I have to suffer from the consequences of interest due to their inability to take payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: WA

Complaint narrative:
- XX/XX/2023 received an email notice from Nelnet that my student loan had been transferred from Great Lakes to Nelnet. At this time, though, by student loan balance was {$0.00}, as it had already been paid off. 
- XX/XX/2023 I checked my credit report via XXXX XXXX and saw several increases in my student loan balance, reported by Nelnet. Between XXXX to XXXX, the balance went to {$350.00}, then to {$410.00}, to {$2000.00}, to {$3400.00}. 
- When I tried to log into my Nelnet account, I received the message We do not have a current, valid email address or phone number on file for you to send the authentication code to, despite proof that they already have my correct email address ( hence their original email to me ) and my phone number has not changed. 
- There should be absolutely no balance owed on my student loans, and certainly not over {$3000.00} after only 3 months of student loan payments starting again in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: MA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. 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 non-monetary relief
Consumer complaint received 2023-12-18 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a complaint with Experian Rent Bureau and I see now that the company XXXX XXXX XXXX XXXX XXXX, XXXX ) Do Not have license to collect debt in the state of Georgia. 
A Debt Collector in Georgia MUST comply with the Fair Business Practices Act. The FBPA requires debt collectors to obtain a license from the Georgia Department of LAW before engaging in debt collection activates, any debt collector violates the requirements of the Fair Business Practices Act in Georgia, there can be various consequences and remedies available. The FBPA is designed to protect consumers from unfair and deceptive practices, including Legal Action that could be taken out against the business that are in violation of this LAW.FCRA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to CRA.

I need the 2 Accounts to be DELETED IMMEDIATELY, and I new a response back in 15 days showing to update report. 

Please find the Proof of State Registration where the company can only collect debt in these state. I demand that the account be DELETED Immediately or I will taken Legal action against Experian Rent Bureau for violating my rights as a consumer.

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
l was a victim of fraud a couple years ago & they will not remove this off my credit report. l have tried several times explaining this to them. lt has been EXTREMELY difficult trying to open a new bank account & get new form of credit because of this. l would like each branch ( XXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX ) to provide full investigation details of why l am still on the report or otherwise remove me expeditiously. Per the FFCRA, you have 30 days to respond or remove me immediately. this is denial of service & l will no longer tolerate this, l need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received a notice that there was a hard inquiry to my credit report by JPMCB. I have not applied for any type of credit card or loan through Chase bank. I suspect fraud. I put a fraud security alert on my credit reports but I want to make sure no account is opened in my name. What else can I do??

Company response to consumer: Closed with non-monetary relief