vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 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: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
I have been on autopay for my XX/XX/XXXX loans since I began paying them in XXXX. During the payment pause for the COVID crisis, my loan servicer changed from XXXX to Aidvantage. During this time I received multiple emails stating I should update my autopay information to let them know I wanted to continue with autopay once payments resumed. I unfortunately do not have dates for these emails and when I completed their online form, which was at least twice, because I had no reason to believe they would cancel my autopay. When I did complete them, there was no confirmation that the form was completed, nor were there emails stating it had been completed, so I had no way of knowing whether or not it worked. My XXXX statement looked normal, and I received an email on XX/XX/XXXX stating that my payment had posted. I also received an email on XX/XX/XXXX stating that my XXXX payment is " all set with auto pay. '' However, Aidvantage had actually reversed my XXXX payment without telling me they had done so. They then cancelled autopay and did not notify me of this until XX/XX/XXXX. I have attached all emails from the date the XXXX payment should have gone through, as well as a screenshot of the reversed payment, which I did not discover until Sunday, XX/XX/XXXX after seeing that my XXXX payment due was higher than usual. You will also notice that I made a payment in XXXX before payments were due because I wanted to give myself the extra month to adjust for getting used to them starting up again. I am not someone who doesn't pay my bills, which is reflected in my credit score and makes this situation that much more infuriating. Most of my bills are set up for autopay to avoid this very thing, and this one should have been too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank has siphoned my {$2100.00}. Please take action ASAP. My phone # is XXXX. My Case Bank Checking Account # is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
My specific complaint here is that Nelnet did not make a reasonable investigation into my recent two complaints, and their response includes facially false information. 

NelNet 's letter dated XX/XX/XXXX confirms a servicing error when it states : " There were no payments made to your account from XX/XX/XXXX, until XX/XX/XXXX. '' This extra payment was an error that XXXX XXXX caused. In response to a CFPB complaint XXXX XXXX told me it could not fix the error because Nelnet was the servicer effective XX/XX/XXXX. In response to a CFPB complaint, NelNet states : " we are unable to adjust or reallocate payments that were made to another servicer. '' Applicable federal law and regulations, and Tennessee law, require NelNet to accurately service my student loan debt ( including credit reporting and monthly statements ). NelNet is authorized by the DOE to service my student loan. The servicing agreement gives them the authority to fix this error -- even if it was caused by another servicer. The Department of Education is ultimately responsible. It acts through its servicers. The DoE can fix this, but it does so through NelNet. 

NelNet should correct XXXX XXXX 's error when it withdrew and additional payment and did not apply it to principal ( as I instructed upon discovering the error ). 

Additionally, on XX/XX/XXXX XXXX XXXX charged capitalized interest of {$1000.00} on one loan and {$1400.00} on the other loan. There should not have been capitalized interest as I had been making regular monthly payments and was not in forbearance. 

In response to my complaints, Nelnet only provides boilerplate answers. It does not address these specific issues. This is my last effort to resolve this before proceeding with a civil action. I shouldn't have to go through all of this just to ensure my loan is accurately serviced so I can pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: CA

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly review the attached documents and exclude any personal information not associated with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is XXXX XXXX  My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
What happened : In XXXX, before leaving the country, I diligently requested Bank of America ( BOA ) to close all my accounts, including both my debit and credit cards, through their phone customer service. I was assured that all outstanding balances were cleared, and the accounts were successfully closed. However, unbeknownst to me, the credit card account was not actually closed ( while the debit card was closed ), leading to the accrual of a small amount of interest. Unfortunately, I wasn't informed of this until it had already become past due for several months while I was already in a different country, adversely affecting my credit score. Despite promptly settling the dues upon discovery, the incident has significantly hindered my credit opportunities since my return to the country this year. / What I did : I tried to contact BOA through the phone around two weeks ago, the customer service said they couldn't find any of my credit card history but could submit a report for me. Yesterday, I received the letter from BOA ( letter date is XX/XX/XXXX ) and it states : '' We reported that we closed this account on XX/XX/XXXX. This means we won't be adjusting our report like you requested and consider your dispute resolved. '' / How it impacts my life : Experiencing a sense of neglect from Bank of America after being assured of account closures, I'm struggling with the belief that once you cease to be their customer, they no longer prioritize your concerns. This has significantly impacted my life, leading to new credit application rejections, despite steady employment, due to the overlooked credit card issue. I earnestly hope for a fair resolution and a chance to rebuild my credit standing.

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 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: VA

Complaint narrative:
On XX/XX/XXXX, I requested a credit limit increase online for my Fidelity credit card ending in XXXX. A few days later, I noticed that my credit score had decreased by XXXX points. Today I called Elan by phone and learned the following : 1. My request was denied because a credit file was locked. They refused to say which bureau or even which person. They advised me to check all six. 
2. Even though I am the primary cardholder, an attempt was made to pull my wife 's credit reports as well. Her credit scores also suffered severely. 
3. No notification was given to me by phone, email, or text message about this issue.

4. All inquiries made were " hard '' pulls, even though a soft inquiry would have yielded the needed information.

5. When I asked for a copy of the disclosure where I was supposedly informed that a hard pull would be performed, I was denied.

6. When I asked for a copy of the consent where I supposedly gave permission for a hard pull to be performed, I was denied.

7. If I choose to reapply for the credit limit increase, additional hard inquiries will be performed against my, and my wife 's, credit reports, even the the one that were not locked. This would cause further damage to my credit scores.

8. Five days later, I am still waiting for the official denial to arrive by snail-mail.

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 2023-11-10 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway XXXX XXXX XXXX {$50.00}, Opened XXXX XXXX XXXX XXXX XXXX {$510.00}, Opened XXXX XXXX XXXX XXXX XXXX {$510.00}, Opened XXXX XXXX XXXX XXXX {$880.00}, Opened XXXX XXXX XXXX XXXX XXXX {$4000.00}, Opened 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 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I was supposed to receive my direct deposit by Friday, XXXX XXXX at the latest but as you know, there were issues with direct deposits so I never received the {$470.00} that I was supposed to. My manager called the payroll company, XXXX, on Saturday XXXX XXXX and was told we would have a deposit within the hour. It was longer than that but I finally received a deposit of {$460.00} which was an incorrect amount. I let it go and discussed it with my manager. Then, come Tuesday XXXX my account was ''preauthorized debited '' in the amount of {$470.00} which then put my account into the negative and I received an overdraft fee of {$35.00}. I called my bank, Citizens Bank, and they reversed that fee for me but still NO paycheck. I've been promised now the past FOUR days that I would have my {$470.00} back into my account by the end of the day starting Tuesday XX/XX/XXXX. Still nothing and now a new overdraft fee of {$35.00} because even with THIS weeks deposit, I'm still in the negative with no date or time or info as to when I will be receiving my money that I worked for BACK!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please review the documents attached. I am requesting the bureau to initiate an investigation into these accounts, as they incorrectly report me as late, despite my consistent punctuality.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Affirm is a convenient service I use for purchasing and shopping online safely. My bank experienced an XXXX issue and payments that normally come out of my account were being rejected without my knowledge. I called affirm told them but they do not speak english and istead they reported it even tho MY NEW BANK account was on their site ready to process payments they reported i did not pay when instead they did not use the account, the bank account rejected payments i did NOT MISS A SINGLE PAYMENT I DEMAND IT BE RESOLVED AND REMOVED IMMEDIATELY further more people who do not speak english should not be handling my money MY ACCOUNT IS CURRENT AND NOT PAST DUE all payments are in and paid i demande resolution asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
SOMEONE APPLIED FOR A CREDIT CARD UNER MY NAME AND I GOT SEVERAL EMAILS FROM CREDIT ACCOUNTS. I DID NOT APPLY FOR THIS CARD IT WAS QUICKSILVER XXXX  ONE. 
NOW ITS ON MY CREDIT REPORT AS A HARD INQUIRY. I NEED THIS TAKEN OFF I AM GOING TO APPLY FOR A MORGAGE SOON, AND THIS HURTS MY CREDIT SCORE, THIS HAPPENED XXXX  XXXX, XXXX AT XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$16000.00} 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 non-monetary relief
Consumer complaint received 2023-11-10 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I was denied my own credit. As attorney in fact this is a violation of The Equal Opportunity Credit Act. Please do a secondary assessment and accept this credit application for highest amount possible. Otherwise this would be a federal violation and securities fraud. 

Are you aware your underwriting department is commiting a federal crime by denying me my own credit set forth as full faith and credit of the US? Are you aware that multiple cases have been settled based on this same claim. Lets avoid embarrassment and settle my accounts correctly or i will have to get an irs audit to satisfy my remedy. 

Since i am denied retract my application and return my original application! You are denying you access to my credit and that is discrimination against my person and violates the Federal Equal Opportunity Act [ This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act ] I am in good faith did what I could as the consumer to access your credit and was denied so Retract my application and return my original application. Retract my application. This serves as a notice of dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Take a look at the enclosed documents. I am urging the bureau to commence an inquiry into these accounts, as they inaccurately depict me as late, contrary to my timely payments.

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 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MI

Complaint narrative:
I received an email back on XX/XX/2023 notifying me that an account with Chime was opened and on XX/XX/2023 I received an email letting me know a debit card was being sent. I received the debit card about 7-10 days later. I received a email on XX/XX/2023 asking me to activate my new debit card. I received another email on XX/XX/2023 reminding me to activate my debit card. During this time I did receive the debit card and didnt do anything with it as I had no idea why I was sent the debit card. I didnt think anything of it until I started receiving emails saying money was being transferred to and from the account on XX/XX/2023. I contacted Chime yesterday XX/XX/2023 and spoke with XXXX and she was able to confirm an account was opened in my name. I confirmed I never opened the account. She closed the account and canceled the debit card. She emailed me a confirmation of the account and debit card being closed. I did contact all 3 credit bureaus and froze my credit with them. I didnt notice anything else opened in my name and my actual bank accounts remained untouched. Im just trying to be proactive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway XXXX XXXX XXXX {$50.00}, Opened XXXX XXXX XXXX XXXX XXXX {$510.00}, Opened XXXX XXXX XXXX 


XXXX XXXX {$510.00}, Opened XXXX XXXX XXXX 


XXXX XXXX {$880.00}, Opened XXXX XXXX XXXX 


XXXX XXXX XXXX {$4000.00}, Opened 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 non-monetary relief
Consumer complaint received 2023-11-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway XXXX XXXX XXXX {$50.00}, Opened XXXX XXXX XXXX XXXX XXXX {$510.00}, Opened XXXX XXXX XXXX 


XXXXXXXX XXXX {$510.00}, Opened XXXX XXXX XXXX 


XXXX XXXX {$880.00}, Opened XXXX XXXX XXXX 


XXXX XXXX XXXX {$4000.00}, Opened XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: TX

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.

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 inructions 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 response to consumer: Closed with non-monetary relief