vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act Comenity Bank/Express acct XXXX XXXX has violated my rights on XXXX XXXX  1

5 USC 1681 Section 602 states I have the right to privacy. 15USC 1981 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I am filing a complaint in regard to the consolidated loan that I share with my ex-husband who has not provided a payment to this company in months and months. I have consistently paid my half payment which is documented. New legislation was passed in regard to separation of this type of loan " joint consolidation ''. The XXXX XXXX XXXX has not provided the direction yet to this company in regard to how to separate. I continuously answer the calls from Nelnet and repeat the situation. The loan continues to have late fees and charges imposed due to my ex-husband failing to pay. He is now unemployed. I have requested an Administrative Forbearance on each call which I have been denied. Recently, I was told that this could be applied once Nelnet receives communication from the Ombudsman. I have been in this process to try to receive assistance as the " co-borrower ''. I am fearful of my credit being ruined by my ex-husband due to his failure to comply with the terms. I have applied for loan forgiveness due to my employment with a governmental agency for 20 years. The paperwork was submitted for the forgiveness. I am suffering and being penalized still for this decision to consolidate when we were married. I am asking for Nelnet to figure out how to handle the situation as I have consistently paid my monthly half payment. I have communicated for years my struggle and how I continue to be negatively impacted. I am filing a complaint for documentation purposes that I continue to advocate for myself to have the company recognize my need for help so that the loan does not go into default or damage my credit report because of the negligence of the primary borrower. I want an Administrative Forbearance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was signed up for an overdraft protection and not told the details of this new feature on my account. I was told that if I had money on my savings then It would allow the transaction and take money out of my savings, if I didnt have money in my savings then it would reject the payment so I dont have to suffer another overdraft fee. I did this because Truist bank would overdraft my account constantly. I asked for this feature to be added and spoke to two reps who said they would add it to my account and did not, resulting in more overdrafts. I was finally able to add it once speaking to a supervisor who assured me that my transactions would be rejected if I didnt have money in my savings so I dont have to suffer another overdraft. They failed to mention that if this is a recurring payment I would still be over drafted and the payment would go through. I received another overdraft on XX/XX/23 and called because I was puzzled this happened, I spoke with a very rude supervisor named XXXX who did not want to hear me out and constantly spoke over me. I asked her to review the call with the previous supervisor and that he failed to mention that a recurring payment would go through and still overdraft my account, she promised that if this was the case once the call was reviewed I would get refunded. Well that was not the case, they did find that the previous supervisor failed to mention the recurring payments part and still they refused to refund the overdraft amount despite what XXXX promised. I spoke to a manager XXXX about what happened, which she then said that if upon listening to the conversation with XXXX if they find she did indeed make that promise, I would be refunded. XXXX, another rude, hostile manager who is committed to speaking over customers blatantly lied and said they found no such thing. This bank has been making promises, keeping me on the phone with them for hours, only to waste my time and be completely disrespectful and further tell lies to cover their own behind.

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 2023-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Marlette Funding, LLC
State: AZ

Complaint narrative:
This was my wife, XXXX 's loan of {$18000.00} from Best Egg. I wrote on her behalf and notified them We are experiencing extreme financial hardship as a result of severe health problems including an XXXX XXXX I suffered and multiple XXXX XXXX my wife suffered that has caused massive medical bills and left us both XXXX, physically and financially. I am XXXX, XXXX is XXXX. 

You proposed a settlement option '' of our financial hardship. Your agent, XXXX XXXX # XXXX ), who had written us offering XXXX interest options, called XXXX who gave me permission to talk with him since I am not a party to the loan. He said he was authorized to cancel the old loan and propose a loan under new terms. We would not agree without written loan papers which he promised to send via email immediately after our call. He stated the terms, I repeated them, I gave him my autopay info, he said I was correct, then said, " plus the {$440.00} ''. then hung up and did not follow through with his promise to mail the papers. The call was recorded. 

XXXX then signed a new loan on their website in our names after removing and cancelling the old one. He used my debit check card number WITHOUT my permission. I cancelled this immediately via email and phone the next morning, explained the fraud to his office and they cancelled the transaction. We no longer trust anything said to us as this obvious fraud clearly raised questions as to their business integrity and/or willingness to follow existing law. Their agent CANCELLED the original loan and replaced it on his own with a fraudulent one signing XXXX up and using my autopay information wholly without our permission. Since they unilaterally cancelled the original loan, it is null and void. 

I responded to their letter dated XX/XX/2023 in which they are attempting to collect a debt. Please record that our only income comes from Social Security and workers compensation benefits that are protected by Federal law from garnishment to pay a debt owed to a private person or company. My total income is XXXX XXXX monthly, my wifes is XXXX XXXX  monthly. The only other income is an annuity she received as compensation for being 100 % XXXX from her employment, an amount less than her SS. Our mortgage is {$2100.00}. Thankfully, our equity is protected by our automatic homestead in AZ which will keep us in our home which we have owned for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
My credit report reflects that Bridgecrest charged off the full amount of the loan and it still reporting a balance on my credit they never sent me a 1099 and by holding my title for ransom bridgecrest keeps attempting to repossess my car. I want to know if they have a lien against my title and if so I want them to release it and send my title to me. I also want bridgecrest to send me a 1099 as they have reported the entire loan as a loss. These practice are against ( TILA ) and are unfair and deceptive.

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 2023-09-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
15USC 1681 a ( d ] ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. 

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 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 XXXX XXXX XXXX XXXX XXXX  Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved

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 2023-09-15 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I paid my entire balance in full : {$230.00} as shown on the attached billing statement. 

Due date for payment was XX/XX/11. I have also included a copy from my bank showing the payment processed on XXXX, which is also reflected in comenities account as well. 

I was verifying the no balance due on XX/XX/11, and there was a {$3.00} " interest '' charge, despite the fact that I had paid the balance in full. 

I contacted XXXX same date ( XX/XX/11 ) advising account was paid in full the prior month and no interest should be oustanding. They responded that interest was due. I provided the copy of my payment, and they keep saying interest is due despite my question to them asking how they can charge interest on a XXXX balance account. Two separate message strings are attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15 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: EQUIFAX, INC.
State: RI

Complaint narrative:
This is completely inaccurate. 

XXXX XXXX BANK OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: RI

Complaint narrative:
This is completely inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have and account that is showing 2 late payments in XX/XX/XXXX, XX/XX/XXXX that i was not late for. I received no bill for these months but was on auto payment anyway so have no idea how it is showing as two late pays on my account, I have not gotten a good breakdown as to how i was late both of these months. I've tried challenging the reporting with the bureaus but have had no success in getting information of the items removed. Please assist me in getting some answers here. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: PA

Complaint narrative:
Multiple times prior I have sent in my FTC report and stated that accounts from XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Are fraudulent sent my FTC reports and identified I knew my rights of 609 and 605b under the credit reporting act with only to be told these items were verified. My most recent dispute received by transunion that was started on XXXX first I stated under 611 of the FCRA I request the methods in which these item were which I did not receive. After I started sending my disputes I no longer have access to my online reports which has been going on for several months which I believe to be retaliatory because of my disputes. These accounts are fraudulent I have asked in a response previously on this platform how can I prove these items are fraudulent besides my FTC reports with no response. I have sent in my documents showing that these accounts are fraudulent. I requested the documents used to verify these fraudulent accounts with no response. Also to be noted XXXX & XXXX removed these accounts because of the determination of fraud.

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 2023-09-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Called JP Morgan XX/XX/15 to dispute charge from XXXX XXXX XXXX XXXX for a ticket never issued therefore constituting an illegal insurance fraud charge. 
Chase refused to dispute the charge leaving money missing from my account permanently and fraudulently. 
They also stated " they are allowed to violate XXXX and XXXX laws for wiretapping '' and continued to record me without my consent. 
Illegal wiretapping is a criminal and civil offense punishable by XXXX - XXXX fines per conviction including jail time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I continue to receive alerts stating that someone used your SSN with a different name or address or dark web activity associated with your identity. I get these messages from three credit report companies. I know I was part of the XXXX Fraud Identity Act.

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 2023-09-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I made a wrong balance transfer to Bank of America credit card and to correct that they issued a cashier check. But that check was never received by me or the institution ( XXXX XXXX ) which did the balance transfer in first place. 
Now bank of America is quoting ( Funds have been withdrawn ). I havent received the funds and neither has my institution ( First tech ). 
Bank of America is not filing a claims case / is not helping me locate the funds and issue a new cheque. 

They are not sharing the image of cheque/ account number where money was sent / address where it was sent. 
I have called them 20 times and every time they end up disconnecting without any resolution. 

My funds are stuck/ lost for no lost of mine.

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 2023-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting. 

Sincerely,

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 2023-09-15 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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