vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 my card was lost/stolen and 4 transactions totaling XXXX were made on my card- I requested a new card when I realized on Monday and saw transactions that were not made by me were PENDING. Once they posted, I disputed the transactions online under the only option that they have that indicates they were not made by me which is " do not remember this transaction ''. I filed a dispute and was given provisional credit but shortly after was notified that " No fraudulent activity was found '' I called multiple times to question the reasoning and to see what I needed to submit to prove it was not me. They said they could not tell me becuase I would be able to use the information if I wanted to claim transactions as as fraud. This infuriated me as they were implying I would fraudulently create a claim. This is already the second time this has happened to me. They took their provisional credit back and refuse to approve my claim for reasons unknown to me and undisclosed to me.

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 2023-12-20 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: MOHELA
State: ME

Complaint narrative:
I received a billing statement for my student loan on XX/XX/XXXX, backdated to XX/XX/XXXX. My borrower account on MOHELA.com indicates that my next payment is due XX/XX/XXXX, which is less than 2 weeks after I received my billing statement. This is the second time I have received a late and backdated billing statement. Also, according to XXXX, my payment due date is XX/XX/XXXX. If this is the case, then my XX/XX/XXXX billing statement would not be untimely. But it's unclear by which date Mohela expects me to pay. 

I mentioned the late/backdated statement to a Mohela representative on the phone, and she informed me that they are in the process of transferring to a new system that should fix the issue of late/backdated statements. It's my understanding that Mohela has been in this process for months. As a borrower, it is frustrating to receive billing statements so close to the apparent due date of my bill, because it doesn't give me enough notice and time to prepare to pay my bill. 

Finally, I set up auto-pay in XXXX so that I would never miss a payment. Mohela auto-debited my account on XXXX XXXX despite my accounting being in administrative forbearance. In addition, despite owing {$0.00} to the administrative forbearance as of XX/XX/XXXX, I received a notification ( before I received the corresponding billing statement ) that my autopay would be debited for the regular monthly payment amount. This is frustrating ; why doesn't autopay reflect the actual amount due? I canceled auto-pay and will submit monthly payments manually until I am confident that I am being billed the correct amount at the correct time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: TX

Complaint narrative:
There is an account on my credit report from " OFFICE OF THE ATTY GEN '' which does not belong in my credit report and it is reporting totally inaccurate information across all Credit Bureaus. Experian reports that I am 180 days late. XXXX reports that I am 120 days late while XXXX reports that I have no late payments. This is a complete and blatant violation of the FCRA especially considering the fact that federal courts have already issued a ruling on this matter. Here is a summary of said ruling : " Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. 
The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. '' I am demanding that the above mentioned credit bureaus be forced to abide by the FCRA and remove this account from my credit report immediately.

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 2023-12-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
Sometime around the XXXX of XX/XX/2023 I went to the First National Bank on XXXX XXXX in XXXX. I was making a deposit of {$3000.00} and requesting an foreign exchange in XXXX for the same amount. I was working with a teller all the way to the right of the teller line and amidst our transaction she said she didn't know how to do it and called another teller over by the name of XXXX. This teller then moved me all the way to the left of the teller line to process the remainder of our transaction. She explained that the transaction would actually be over {$4000.00} due to the exchange rate, I agreed. She pulled up my balance and saw that I clearly had more than the extra {$1000.00} needed and processed the paperwork. I was called in a couple of days later and given the {$4000.00} in Euros. The transaction was completed. In XXXX, I get a call from the bank saying they took money out of someone else 's account that should have been taken out of mine ( for the above transaction! ) They don't know how that happened and they have no record of depositing the original {$3000.00} we started the transaction with. XXXX, said she looked at the transaction around the time I was in but couldn't see it deposited so were assuming it was never deposited! Clearly they would not have given me {$4000.00} in XXXX if they did not have the money. She said she would keep looking into it and call me back. I called and spoke with her and she said she couldn't find it, this was not my problem but theirs. In XXXX, all of my accounts are closed, they took all the remaining cash from a checking account I had there, a small savings account and a mutual travel saving account I have w/ someone else. Then I received a letter, after the fact, saying they were going to report me for bad credit!! They have since, stopped me from being able to open any other account at any banking institution!! I agree that they should have taken the balance due for the exchange rate but at this point they have stolen thousands of dollars from me and are keeping me from being able to pay my bills! Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: IL

Complaint narrative:
They stated that yes it was applied for, but I need to know if I can begin consolidating loans without loosing refund???? I want to be able to get account adjustments!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have been a victim of identity theft in the pass which resulted in fraudulent accounts attached to my credit file have disputed with XXXX several times but the company states the the compromised info matches I explained several times that identity theft case the information would match because its been compromised that was the reason to notify them and provide supporting documentation of this crime but my rights continue to be violated by XXXX and the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
Woke up today and seen Nation Credit systems on my credit report. I never received any type of communication from them. No email or letter has been sent to me about this communication. Also this debt has been impounded by order of court. And the balance is also incorrect. I have proof of everything. I do not owe this debt at all. It was impounded by the court. Legal definition of impoundment of the court is that this information was to be sealed. It sealed by the court. The court is legally over National Credit Systems. I also just called and National credit systems is trying to illegally obtain money I do not owe. When trying to speak to them and explain to them one representative named XXXX told me that she has no clue what impound means and that I would need a lawyer and then hung up. They have violated my rights as a consumer. I have the right to dispute but they have taken that right from me by placing this on my credit report without me given a chance to dispute. Files will uploaded stating it has been impounded by court order. Also you will see its checked that by agreement the court having made no actual foundings. Bill Status of HB2299 is what states that this information was to have not been sold to any third party collector or debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: OK

Complaint narrative:
Hello. 

I have been trying to get in contact with NelNet loans since payments restarted. On and off on my days off, I have tried calling to speaking about a payment lower than what is offered online. I can not afford XXXX a month, but am able to pay XXXX. I do not want to go into forbearance or anything else as thats not benefiting me. 

I have also emailed and tried chatting into the company with no successfully response back. 

I would be happy to get call logs printed with times and dates called. I just am doing this on a whim and dont have that on me right now. 

If I am actually taken serious and can get help, I would love to make something work. This is not hurting my credit and everything else. Ive had YEARS of on time payments and thats what for my house. Now to think that could be ruined for another large purchase because of this company. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I've never taken a loan out with Cashnetusa and its on my report that it's in collections. how can something I never took out with a company be sent to collections? I believe this is a scam and want something done about it please please email me back asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-12-20 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-20 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: MD

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.

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 2023-12-20 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: CA

Complaint narrative:
I sent a handwritten letter to equifax requesting the clerk name and any correspondence they had they claimed was verified by the BK federal court. I also provided them with the letter from the court that they do not verify bankruptcy 's. which is frustrating because they need to correct errors or remove it from my credit report. I understand that it is scheduled to be removed in XXXX, but it is not right that they can post inaccurate information. 

The " supervisor '' at equifax was very rude I may not have the best English skills but I believe the treatment and undertones from equifax " supervisor ' XXXX XXXX XXXX  The fact that he shames me for the financial troubles I had in the past does not solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: CT

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I contacted Chase about a merchant that no longer was authorized to access my account after several back and forth with Chase they provided a provisional credit. 

Ive banked with Chase for several years. Without an issue Chase authorized and paid the merchant several times after several requests that they stop. Weeks later Chase decides to restrict my account with zero explanation causing my direct deposit and other funds i was expecting to be received in a cashiers check in 10 business days they claim. 

Its XXXX week and my children will have no food and no gifts because Chase is exercising an unethical practice and holding my money hostage without information. 

Ive seen that this is a practice Im seeing more and more frequently while doing my research Chase has no right to restrict and close my account without warning and without explanation. I have a family to feed and bills to pay. Now Im left with nothing. Ill be pursuing legal action in the cpfb can not resolve this but Ill stop at nothing to get it resolved. Chase owes me years of banking fees at this rate this is not how you treat loyal customers.

Company response to consumer: Closed with explanation