vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Marcus by Goldman Sachs had a special offer in early 2023 : " Get a {$100.00} Cash Bonus when you deposit {$10000.00} in new funds to a Marcus Online Savings Account. '' The requirement was to enroll in the promotion, deposit {$10000.00} in new funds within 10 days, and then maintain those funds plus the existing balance for 90 days after the 10-day funding period. 

I enrolled in the promotion on XX/XX/XXXX and received a confirmation email from Marcus. The promotion was correctly noted on my online banking account. I deposited {$10000.00} on XX/XX/XXXX to meet the terms of the promotion. 

On XX/XX/XXXX, I notice that the promotion had disappeared, so I called Marcus. The representative said that she fixed the issue and gave me a case number. The online banking portal appeared to say that I had been re-enrolled in the promotion on a date in XXXX. 

On XX/XX/XXXX, I noticed that the promotion had disappeared from my online banking. I wrote in via chat. The representative confirmed that I was enrolled in the promotion on XX/XX/XXXX, and that I deposited funds on XX/XX/XXXX, but said that I was not properly enrolled and could not discuss further via chat.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On the XXXX of XXXX I noticed XXXX dollars missing from my bank account with chase I saw lots of different transactions that where not made by me I submitted a claim that I detected fraud on my account I waited 3 weeks for chase to do a investigation once it was completed they told me there was nothing they could do they closed my account with my pay check that was deposited by my job of XXXX I have pictures to show everything there was also 3 checks deposited into my account they where all fraudulent checks taking money from people I have XXXX  before chase will not do anything to help and will not refund the money that was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a case open with the cfpb about the same situation but I just heard back from BOA about another claim that I had that is for the same situation and they denied my claim as well. I was scammed and they say they are unable to pay. Regulation e protects these types of situations. They are refusing to get my XXXX dollars back. The claim was opened on the XXXX th on XXXX. All they told me is to reach out to the merchant but it was a scam. There is no way to get in contact with the scammers. I also have a police report open.

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 2023-03-10 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: IN

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
In Accordance with The Fair Credit Reporting Act XXXX  Accounts # XXXX ; # XXXX and XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an 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 a late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I have been dealing with some health issues for awhile and had not been using my checking account and finally was able to make a deposit of XXXX upon making the deposit of XXXX it was removed from the account. when i contacted they said it was applied to a credit card account that was charged off and would not provide any details of what the account details were other than a balance. I have asked them to send me a full detail of what the charges are on the account including what fees, interest and how they have come up with this balance. they refuse to give me any details other than a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Advance America, Cash Advance Centers, Inc.
State: NV

Complaint narrative:
I took out a Signature loan with Advance America in XXXX Nevada and I was paying my payments on time and then the website for this company went down for 7 days approximately. At that time I couldn't make my payment because the website was down. After it was back up I received an email that apologized and said they would work with people on this issue and not charge fee 's and things like that. I told them that the missed payment can be added on to the end of my loan ( I have made every single payment on time except for when the site went down ). Well I have been called and emailed every day about the missed {$100.00} payment and I keep telling them I can pay only the {$100.00} twice per month and now they are telling me I owe the whole loan! I am being harrassed and it isn't really my fault. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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:
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, 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 XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX  {$400.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$650.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$2000.00}

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 2023-03-10 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: OK

Complaint narrative:
I have a student loan that was serviced by Nelnet. 

At the beginning of the COVID pandemic, around the time that the pause in interest and principal payments for student loans was announced, I had contacted Nelnet to get set up for the pause. 

At that time, Nelnet informed me that I was not eligible for the pause. I asked what I would need to do to qualify, they ( Nelnet ) told me there was nothing that could be done to qualify for the pause. So, I continued to make auto-debit payments because at 8 % interest the loan balance would continue to increase significantly. 

In XX/XX/2022, I was informed that I could transfer my loan to the federal government and then qualify for 0 % interest and stop payments during the pause, which I did. 
After the loan transfer, the 0 % interest was applied to my loan and payments paused. 

I believe Nelnet misrepresented my eligibility for the pause originally and they certainly misrepresented the fact that there was nothing I could do to qualify, when all I simply had to do was transfer my loan. 

I am not certain there is much that can be done about that misrepresentation, but I do believe that the following description addresses the more recent misrepresentation and attempted fraud by Nelnet. 

I recently became aware that individuals who had made auto-debit payments during the pause were eligible for refund of principal and interest. I found this information on the website www.studentaid.gov. 
The website directed me to contact my loan servicer, Nelnet. When I made the request on XX/XX/2022, they said they would get back to me within four to six weeks. 
When they did contact me on Thursday XX/XX/2022, they informed me that I was not eligible for a refund of principal and/or interest because my loan was not in deferment during that time. 

Logically this made no sense because if I had been in deferment there would have been no payments made and no money to be eligible for a refund. 

I do have a recording of the last conversation that I have just described, if that is of any use. 
The amount that should be refunded to me is approximately {$21000.00}. 

I need assistance in getting my refund from Nelnet XXXX XXXX XXXX! 
And they should be required to pay interest to me on the money unfairly kept.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: LEXISNEXIS
State: CA

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1861 Lexis Nexis is hiding a bankruptcy in my LexisNexis consumer credit file under a report named National Credit File Report. Lexis Nexis must verify and certify that this information is XXXX XXXX accurate under the FRCA. I did not give Lexis Nexis consent written or oral permission to report this information to any CRA or on any consumer report. This information was removed from my consumer file back in XXXX of 2020. I was never informed that this information was going to be reinserted which is a VIOLATION of the FRCA. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Attached is the letter stating in was unverified and they had removed it. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

XXXX XXXX Without Prejudice, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America is inconsistent with the way they manage my business bill pay which makes it Impossible for me to know how much is in my account. They sometimes deduct the funds on the day it is scheduled, and sometimes do not. They have for 10 years I have had bill pay deducted the funds the day the payment is scheduled, however in XX/XX/2022 they changed it without warning causing me to bounce checks, I made a complaint thru cfpb and they fixed the problem, however today it has started again, I had scheduled XXXX to be paid today and those funds still show in my account making me think I have XXXX more in my account than I really do XXXX XXXX XXXX XXXX XXXX XXXX View payment details to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX in the amount of {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment details to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in the amount of {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment details to XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX in the amount of {$490.00} XXXX oXXXX XXXXXXXX  XXXX plan XXXX View payment details to XXXXXXXX XXXX XXXX plan XXXX on XXXX in the amount of {$100.00} XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XXXX XXXX XXXX amount of {$850.00} XXXX LXXXX XXXX XXXX XXXX payment details to XXXX XXXX XXXX, XXXX XXXX in the amount of {$2000.00}

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is inaccurate information reporting on the credit report, That does not match the correct identification. There are unknown addresses that doesnt not match any personal records or Identity. These addresses are not attached to anything on my credit file.

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is inaccurate information reporting on the credit report, That does not match the correct identification. There are unknown addresses that doesnt not match any personal records or Identity. These addresses are not attached to anything on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
This person is very rude every time I talk to him. Today, he was extremely rude. This is what he said : " it's your debt, not mine. '' Like why you would you say that to someone? Very rude! It's stressful enough to experience this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
There are several problems with XXXX 's reporting. This account is too old to be on my credit report, the payment history is incorrect, the history and account status is incorrect. XXXX investigated and correctly removed this account from my credit report, but Transunion and XXXX have failed to do so. They have not completed a timely, adequate, or proper investigation and have not appropriately provided me with results of their investigation. XXXX is incorrectly reporting this information.

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 2023-03-10 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: OK

Complaint narrative:
There are several problems with XXXX 's reporting. This account is too old to be on my credit report, the payment history is incorrect, the history and account status is incorrect. XXXX investigated and correctly removed this account from my credit report, but XXXX and Equifax have failed to do so. They have not completed a timely, adequate, or proper investigation and have not appropriately provided me with results of their investigation. XXXX is incorrectly reporting this information.

Company response to consumer: Closed with explanation