vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I called nelnet on XX/XX/XXXX to request a refund of a qualifying payment made in XX/XX/XXXX. ( I made 2 payments that month, I believe only 1 qualifies for the refund ). I was told that this request would take 4-6 weeks to process. 
I called nelnet again on XX/XX/XXXX ( after more than 6 weeks had passed ) and was told there is no way to check the status of my refund, there is not timeframe for refunds being completed, but that I should go ahead and submit my application for the debt relief when the application goes live and that it will not have an affect on my receiving the refund. I submitted my debt relief application on studentaid.gov when it went live. 
Others online are stating they received the opposite information from Nelnet, so now I am concerned I will not receive my refund if the debt relief is processed before the refund is issued. I have not heard any further information from Nelnet, and I have not received my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
We were travelling from XXXX to XXXX to XXXX. All bookings were done with Chase Sapphire XXXX credit card. The card covers purchase protection. Our flight from XXXX to XXXX was delayed due to bad weather conditions due to which we missed our flight from XXXX to XXXX. We had to book another flight from XXXX to XXXX to make sure we reach XXXX on time to get onto our flight from XXXX to XXXX. However, we missed the flight. 
We had to book a new flight with XXXX for my XXXX and myself from the XXXX which costed us a lot of money. Because of this delay, we had to also land in XXXX XXXX  since there weren o flights available to XXXX, and rent a car to drive back to XXXX from XXXX XXXX. Chase team confirmed over the call that weather conditions are covered under purchase protection and all of these events unfolded due to the first delay of flight which occurred in XXXX. However, we've filed the claim with them since XXXX and there has no decision yet. I've provided all the required documents and they keep asking for repetitive documents again and again. Thousands of dollars are at stake, and they're only delaying the process after providing all the documents. 
I've contacted all airlines and no refunds or compensation were provided. Proof of the same in writing is also provided to Chase. 

I've filed a claim to reimburse all associated costs of flights and car rental that were caused due to the flight delayed due to weather conditions. After repeated calls and requests, they've been only requesting all documents XXXX after the other, sometimes repeatedly asking the same documents, but no response is granted after that. 

Ticket Details : XXXX to XXXX - XXXX XXXX : Booking for XX/XX/2022 = {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Booking for XX/XX/2022 = {$870.00} USD New bookings due to delayed flight from XXXX to XXXX : XXXX to XXXX - XXXX : XX/XX/2022 = {$410.00} XXXX XXXX to XXXX - XXXX : Booking for XX/XX/2022 = {$1200.00} XXXX XXXX ( XXXX ) to XXXX - XXXX Car Rental - XXXX = {$160.00} USD

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are accounts in my report that are fraudulent and outdated. I wanted them removed so I sent out letters disputing them. It has been more than 45 days, but I did not receive any response from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
KIA has reported my bill as late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I have called and spoke with a representative they admit it is an error on their part and the issue will be fixed but have not fixed it as of yet after numerous calls.

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 2022-11-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Who certified the information to be true and factual? 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the 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 non-monetary relief
Consumer complaint received 2022-11-02 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
15 UsC 1681 Section States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 US code 1681 A Definitions rules of construction Exclusions-Except as provided in a paragraph the term '' consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 purpose.

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 2022-11-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was intentionally deceived into opening a credit card account without my authorization or consent. I was asked if I wanted to join the rewards program and upon realizing sensitive personal information was being asked, I double checked to verify " rewards '' vs credit card which was never used throughout this process, and the associate said credit card. The process was not finished I denied authorization as I was falsely lead, she turned the screen and had finished the process for me as there were a few green buttons left that I personally did not click as I wanted the process to be stopped, but she went ahead and pushed the process forward and claimed it was already too late and nothing could be done. This store is intentionally misguiding consumers, and are taking advantage of a deceptive system. Insane the lack of customer service or respect to their " valued customers. '' Tried asking for the store XXXX on the phone, I was told I would get a call back, never did. Great resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number XXXX Has violating my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish an 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 2022-11-02 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: MD

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number XXXX Has violating my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
A person by the name of XXXX XXXX on XXXX created a post collecting fees for softball league and registration. Collected an amount of {$210.00} from me also gave me all the info correctly telling me the park the games were going to be at, how many games, how the uniforms looked like, etc. as soon as I sent the money I thought everything was okay because he responded back to me with no issues but upon seeing a post that I was not the only one his account was deleted and I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo is ignoring my requests to close my Everyday Checking account. My first written account closure request was by letter dated XX/XX/2022. My second written account closure request was by letter dated XX/XX/2022. Wells Fargo has given me no explanation for holding my account open against my express instructions. Perhaps it wants to report maximum open accounts to its shareholders, but holding an account open against a customer 's repeated instructions is as bad as opening accounts without customer 's authorization. My account has had a XXXX balance for months, with no outstanding transactions. My last resort is to trouble Wells Fargo 's regulator, the Consumer Financial Protection Bureau, with helping me effectuate account closure. I will be grateful for the CFPB 's assistance.

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 2022-11-02 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: IL

Complaint narrative:
I sent my letter off on XX/XX/2022 I told the credit bureaus to Investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX ( XXXX ) Tracking # XXXX ( XXXX ) Tracking # XXXX ( Experian ) According to the FRCA the term Investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. I would like to know who did they talk to and how did they complete this investigation? Also, every piece of information on these accounts are still NOT reporting 100 % ACCURATE. And according to the FRCA 15 USC 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

Accounts XXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX bankruptcy XXXX Reference number # XXXX US DEPT. OF EDUCATIONXXXX Account # 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 2022-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
The account was opened with Micro Center and I was made aware because they mailed the card to my old address and the mail carrier knew us and put in our current mailbox. The card has Micro Center XXXX XXXX XXXX on it but the card was issued by Wells Fargo. I have called Wells Fargo and initiated a fraud complaint, I have called and frozen my credit at XXXX, and they told me the hard inquiry on my account was made through XXXX so I called them and also froze my credit. The rep at XXXX told me to report to FTC when I asked them to remove the hard inquiry.

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 2022-11-02 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: WA

Complaint narrative:
The following Credit bureaus failed to report to my credit report for the month of XX/XX/2022 on my XXXX XXXXXXXX XXXX XXXX  account : XXXX and Equifax. I contacted the XXXXXXXX XXXX XXXX company and they stated that they sent all the information to all the credit bureaus for the monthly updates. The only one that was updated was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: FL

Complaint narrative:
This account was paid off/settled in XXXX of XXXX They are incorrectly reporting it as a charged off account purchased by another lender Account name XXXXXXXX XXXX  Account number XXXX XXXX. 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Closed. {$440.00} written off. 
XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number XXXX Sold to XXXX XXXX XXXX Type Credit card Terms NA Credit limit or original amount {$300.00} High balance $ XXXX  Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Purchased by another lender. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Account history XXXX *THIS WAS NOT PURCHASED BY ANOTHER LENDER AND THIS WAS NOT WRITTEN OFF. THIS DEBT IS PAID/SETTLED!

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 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Dear Sir/Madam Someone opened an account under my name with large deposits repeatedly for months. I have repeatedly went to Bank of America informing them that this is not me, I show them my license, fill out a fraud complaint and all. I recieved 1 letter from the fraud department and said it was being investigate account is closed butonths latter a new bank statement arrives, after several attempts to the bank telling them this us not me, I angry tried to get the money from account but my social security number and phone number do not match with the account so I couldn't go no further with any transaction. Please help me with this matter. 
Thank you for your services 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 2022-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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 2022-11-02 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: FL

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I received a debit card from XXXX XXXX in the mail. I never opened an account with them. I called and they closed it down. Also someone applied for a loan with NetCredit on XX/XX/2022. I have contacted them filled out a police report, and faxed the information to them and XXXX. They also changed my XXXX XXXX account. I have the new email that was used. also the address used when applying for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
On XXXX I receieved an email one or more of my account were overdue. I was unable to pay via a transfer from my XXXX XXXX to Navy Federal. I pay all Navy Federal through their built in External Financial Institutions connector and auto pay. 

on XXXX around XXXX, I contact Navy Federal to clear this issue and talked to XXXX XXXX I was able to pay only over the mobile app. 

I inquired how I was 2 months late.They told me there are complications with external financial institutions that can cut off the connection. I was given an array of reasons that boiled down it " It's complicated '', no specific reason was given, even though I asked more than once. 

The only correspondance I recieved from Navy Federal is when my account was 2 months overdue. I requested as to " when '' my auto-pay was turned off, they could not tell me. They also did not tell me " why '', other than a plethora of potential issues. 

There have been 0 notifications from Navy Federal via Email or Emessages ( in app or website notifications - I have screenshot ) to tell me an entire montly payment was missed. 

I will now have late payments on my credit reports. This connector has turned off in the past, and I thought it was a fluke until today. 

I can't expect them to fix an entire system that does not notify a consumer of a missed payment. I expected " auto payment '' to auto-pay and notifiy if the monies were not recieved. I am now 2 months behind and a pretty heafty bill I have to make room for. 

I've since paid all late balances via Navy Federal mobile app. 

I have also been advised of sure way to pay this bill without bounceback. They do not recommend using the built in connector, even though this is an option clear label it will fail at random times for no reason. XXXX stated the external banks can be read wrong and it will fail out. 

If I had known of this issues, I would not have used a method they allow to make auto-payments that may " sometimes '' fail without any reason they could give me difinitively over the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation