vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account * 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A Has Violated my rights.

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1618 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account * 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  N A Has Violated my rights.

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1618 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I don't know how, but I made a late payment to Capital One in XXXX of 2021. As you can see from the attached file, the amount late was {$4.00}, which is obviously a tiny mistake on my part. They have put a 30 day late notice on my credit report due to this {$4.00}, which is ridiculous since it dropped my score a good 30 points. 30 points over {$4.00}? Really Capital One? You're so petty you'll destroy a man 's credit over {$4.00}?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
I was told originally by my local XXXX to mail in paperwork related to my car 's title to get my plates updated for my vehicle as I moved states. I mailed in the paperwork back in XX/XX/XXXX to Bridgecrest, which they claimed for weeks they did not receive, but kept advising me to " keep calling in to check. '' They then recommended I email in the document since that was " much faster, '' with a total processing time of eight ( 8 ) weeks. I emailed my documentation on XX/XX/XXXX and still have not been able to get updated plates for my vehicle. I called into the company 10+ times to get this resolved, trying to understand the issue. Every few phone calls I received a different answer, either from the customer service representative or the " XXXX account resolution team, '' telling me the paperwork was still getting processed by the XXXX XXXX ( who did not take phone calls, so could only be reach by IM or message by various other teams reportedly ) or that someone created the wrong case which was routed incorrectly. Each time, Bridgecrest kept telling me that I had to keep calling in for updates, now way past the eight ( 8 ) week processing time and still without my updated plates. The last update I received was XX/XX/XXXX, as the title received was printed but incorrectly routed, therefore it was taking more time. I asked the representative if they had an estimated time frame for the resolution which they claimed they messaged the mysterious Title Team but after our call, once they receive a response, they would update my account for me so the next time I called in, there would be an XXXX listed. Again, I was told to keep calling back for updates and when I called XX/XX/XXXX, there were no updates and no XXXX listed on the account. on XX/XX/XXXX, they emailed me a sparsely worded letter to potentially bring to the XXXX, where they state they have " requested the XXXX title from their XXXX XXXX and should receive it in XXXX weeks. Once they receive the paper title, they will overnight to the address provided by the customer. '' It has been well over a month since then, still no update and how/why this took since the beginning of XX/XX/XXXX to complete is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
M & T conversion from XXXXXXXX XXXX XXXX is a nightmare. 1 ) Could not use ATM cards sent by M & T bank with its passwords sent to me. 2 ) Could not withdraw cash from my account. 3 ) Bills to be paid via the back to my mortgage company did not appear for days. 4 ) when calling into M & T cutomer service, hold times were hours. 5 ) At the bank, lines were excessive and excessive and items reportedly corrected were not and I had go back 4 times. 6 ) Spent about 6 hours attempting to get resolution. 6 ) Staff was NOT trained properly and its " new " transition conversion system was obviously not user or conversion tested. Customer Service reps at M & T literally said, " I don't know ''.

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 2022-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I issued two stop payments on XX/XX/2022. Both of the checks for which the stop payments were issued for cashed on XX/XX/2022. XXXX was for {$3000.00} and the other for {$10000.00}. This was a vehicle which was misrepresented when the sale was made. I was even charged for the stop payment fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I opened an account with XXXX on XX/XX/XXXX in which I only ordered a SIM card, which was free, since I had my own phone. When I received the SIM card a few days later, I attempted to activate my account so that I could use the service; however, I was not able to activate the account due to a PIN number issue. After calling their customer service, my issue was not resolved, so I returned to my previous mobile provider and canceled my account with XXXX They assured me that the account was closed and I would not be charged anything since I was not able to activate my account use the service. Fast forward, XX/XX/XXXX, I receive a letter from XXXX  about an overdue amount. I called customer service once again and they again canceled the account and assured me that the account was closed and the amount would fall off, so I did not need to pay anything. Then again in May I receive another letter from XXXX regarding the bill that I was wrongly fully charged and that they had claimed would fall off after closing the account. This time, they said they would send it to debt collection if not paid. I then again call customer services who is now telling me that they can not access my account to cancel the charge since it has been closed. After 10+ calls with customer service giving me the runaround, they tell me to go to the store and change my pin so they can access it. I do that, call back, and they still tell me that they are unable to access my account and change anything because my account now belongs to the debt collection Agency Amsher. I called the debt collection agency and they tell me that XXXX has to resolve the issue. Bottom line, after months of speaking to representatives and getting the runarounds, the charge hits my credit score in XXXX as an unpaid debt. I never owed XXXX any money to begin with and they have now ruined my credit score due to terrible customer service and bad business management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. I ALSO SENT YOU A LETTER ON XX/XX/2022 AND YOU RESPONDED 2 DAYS LETTER SAYING PROCESSED, HOW IS THIS POSSIBLE.You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified or processed that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " REMOVE THIS ACCOUNT '' 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 explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/2022 I called to have 3 merchants stopped in my account .... On XX/XX/2022 one of the merchants were paid then triggering me to call. I was told then each merchant had to be submitted individually and I was charged XXXX.. Now it is that one of the merchants have been paid on XX/XX/2022 and now.im being told it was because the amount is different from the stop payment amount and was charged another XXXX.. Now I'm being told the amount is being paid to the merchant... I don't understand that if I was told when I submitted stop payment requests that theses merchants would be completely stopped.. I have paid a total of {$120.00} in fees to have this problem taken care of and still nothing is being done... I can't close this account with a negative balance and every time I speak to someone it's always a different reason why this keeps happening... This has been extremely stressful and frustrating that I can't rely on my bank to properly handle this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2022, I filed a dispute against a debt with XXXX, original owner, XXXX XXXX closed the account & sold it to XXXX. On XXXX the XXXX 2022, I received a alert from XXXX XXXX informing me that my credit score had dropped XXXX points. This was supposedly due to a remark that XXXX XXXX had placed on my file. I contacted Equifax and they informed me that the investigation had not been finalized, and NOT AWARE of any remarks XXXX XXXX placed in my file. I IMMEDIATELY contacted XXXX XXXX again to inform them that they have no evidence to lower my credit score and that they acted prematurely. The only response that I could get from them was to refer to my file and read the remark.1 ) XXXX XXXX had no communication with Equifax and made a decision with intent to negatively impact my score. 2 ) XXXX XXXX used unfair practices which will bring a negative impact to my borrowing power and reduce offers I am currently receiving. I will be subject to higher interest rates and fewer loan approvals, etc. 3 ) I have disputed this SAME debt with Equifax for over a year as " Not being mine/no knowledge of account/someone with similar name and NEVER impacted my score. 3 ) Equifax had a data breach and refuse to acknowledge that in this situation. This " remark '' ( falsehood ) has been hidden and XXXX XXXX will note reveal it too me. Please assist, Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have 2 closed accounts Citi cards and XXXXXXXX XXXX. I got I contact with both of them and they agreed to remove to account if I paid the accounts. I paid them and they still on my report. They was prepaid cards and I haven't received my deposit back yet either.

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 2022-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Two fraudulent charges showed up on my Bank of America credit card account in late XX/XX/2022. 
1 ) {$60.00} on XX/XX/2022, XXXX XXXX XXXX ) {$420.00} on XX/XX/2022, XXXX XXXX XXXX XXXX I notified Bank of America immediately. The bank issued me a new card and provided temporary credits on XX/XX/2022 and XX/XX/2022. 
The bank did not make any statements regarding filing a police report or contacting the vendor at that time. 
On XX/XX/2022, the bank put the charges back on my credit card. I called to ask why on XX/XX/2022. After being on hold for over 40 minutes, they said the fraud claim was denied. I was told that they can reopen the claim and temporary credits will be provided in two business days. But I need to contact the vendors to assist in the fraud investigation. 
On XX/XX/2022, no credit was given. After calling the bank again, I was told that the bank will not provide temporary credits anymore and they provided me with inaccurate information previously. I told the bank that we went to XXXX XXXX XXXX XXXX store and they can not help us much. After calling XXXX XXXX XXXX XXXX, I was told that the transaction was a store pickup and that the email on the transaction was not my personal email. However, I must file a police report regarding fraudulent charges as the vendors can only provide detailed information to law enforcement. 
I filed a police report and provided the police report number to the Bank of America fraud department. Even after all that, Bank of America still will not provide temporary credits to my account when the fraudulent charges are being investigated. 
As a matter of law, consumers should not be held accountable for fraudulent charges. The current business practices of Bank of America, in essence, are shifting the financial burden of fraudulent charges back to the consumer. This practice is immoral, if not illegal.

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 2022-09-17 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: Nelnet, Inc.
State: OK

Complaint narrative:
Nelnet provider needs to be looked into. People are requesting refunds for payments made during the covid lockdown, including myself, which we are entitled to. These refunds are taking up to 150-200 days with no email or paper trail confirmation. Many people are getting their refunds much faster with other loan providers, but Nelnet services is completely unacceptable. We need to get these refunds processed before the end of the year and our money back into our accounts. Please if anyone is reading this I'm sure there are other complaints about nelnet services. HELP US PLEASE. Also my name is XXXX XXXX, birth date XX/XX/XXXX, i started my loan process in XX/XX/XXXX and continued until XXXX of XXXX. Hope this helps. Also my number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the XXXX XXXX Account several times stating that the account is reporting inaccurate information. Each time, Equifax has responded as account information verified. When the collection account was placed on my credit report, the information was inaccurate and never correct. The Original Balance has always been reported incorrectly. Equifax did not do what is required, make sure that all information is accurate before placing it on my credit report as well as investigating all information when disputed. The wrong Original Balance was always reported wrong but Equifax refused to remove the account as well as never attempted to correct the information. This is a direct violation of my rights. I have uploading supporting documents to my complaint. I have provided supporting documentation that shows where XXXX having to give me a credit due to me over paying on my account. A fair investigation has never been completed by Equifax but Equifax continues to report this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My identity was stolen when I was a teenager. I got a credit card with XXXX XXXX department store. I can only get credit reports with XXXX, but not Equifax or XXXX. I have repeatedly informed them of this problem. They think I am the fraudster. The lady that stole my identity was born in XX/XX/1957. When I got married and changed my last name from XXXX XXXX XXXX, I informed the Social Security XXXX. The fraudster also changed her last name to XXXX as a result. Everyone keeps telling me that maybe I am the person using the incorrect Social Security number and maybe she is using her 's. My Social Security number was acquired for me by my parents when I was very young, a little girl. My mother is of XXXX ancestry and my father was in the United States Airforce at the time. I have never lived in XXXX nor XXXX XXXX or some of these other places. I have never had a credit card with a jewelry store.I have never had phone service in the XXXX area code. I have never attempted to purchase a car at XXXX of XXXX. I am locked out of getting a copy of my credit report because the fraudster got herself locked in. When I went to get a copy of my Federal ID, the lady at the Tennessee Department XXXX XXXX XXXX asked me if I had every lived in XXXX, which I had not. I would very much like to get copies, written, of my credit reports so I may report all false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and a denial from XXXX  AND WELLS FARGO stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thought. XXXX  AND WELLS FARGO case ID XXXX. XXXX  AND WELLS FARGO is blatantly punishing a victim of identity theft. XXXX  AND WELLS FARGO has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. XXXX  AND WELLS FARGO are mandated by law to keep accurate and up to date records all of which they have failed to do. XXXX  AND WELLS FARGO has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. XXXX  AND WELLS FARGO have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. XXXX  AND WELLS FARGO cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurate. XXXX  AND WELLS FARGO now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if XXXX  AND WELLS FARGO continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. As it is not my fault for what happened.

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