vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have been receiving text messages nonstop, every single day from Resurgent Debt Collector, I have replied asking them to please stop texting my phone but to no avail. This has gotten in the way of my workday because I get text messages non-stop. I need this to stop, or I will see what legal actions I can take.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I sent a dispute letter first class to XXXX, Transunion, and XXXX informing them that there are some unauthorized inquiries on my credit report. Furthermore, my information was compromised in the XXXX data breach in which I provided my claim Id. I have since submitted a FTC report to report this. I am attaching my dispute letter as well as my claim ID. These inquiries are to be removed from my credit report within 14 days.

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 2024-01-18 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: TX

Complaint narrative:
On XX/XX/year>, I sent a dispute letter first class to XXXX, XXXX, and Equifax informing them that there are some unauthorized inquiries on my credit report. Furthermore, my information was compromised in the Equifax data breach in which I provided my claim Id. I have since submitted a FTC report to report this. I am attaching my dispute letter as well as my claim ID. These inquiries are to be removed from my credit report within 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX XXXX I received an offer in the mail from Chase for a Chase Slate credit card with a 0 % balance transfer interest rate for 21 months. I have 2 other Chase cards and had financed and paid off a vehicle through Chase with no issues. I was approved for the Slate card. 

When the documentation arrived in the mail, I saw the interest rate was 29.24 %, not the 0 % offered. I called customer service on XX/XX/2023. The call was recorded and I had a witness listening. I was told the account was updating and the interest would be 0 %. After one month of 0 % in XXXX XXXX, I went ahead and transferred a balance. After XXXX the interest went to 29.24 % and was not noticed by me until XXXX XXXX 

I immediately called, spoke to a representative, then her supervisor, to no avail. I asked that the complaint be escalated and a report was filed with XXXX XXXX. XXXX. I have attached their response. It does not appear as if they bothered to listen to the audio call from XX/XX/2023 when their representative told me the interest was updating and would be 0 %. 

I would NEVER have accepted a card with that rate. I would have canceled it on the XX/XX/2023 call to them if I had been informed that the rate was 29.24 %. I kept the card after that phone call based on their representation that the interest was 0 %, as I had applied for. 

This is extremely deceptive advertising and practice. I am seeking my interest reimbursed and will be transferring to another card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
The AMEX rep told me that ecards could not be replaced with physical cards, and he told me that I should be able to use the card in exactly the way I was using it. The rep told me that if I keyed in all the info on the card or added it to XXXX or XXXX XXXX, I should be able to redeem the card online or in person. He could give me no specific vendors who have ever accepted one of these XXXX  I've tried to use this prepaid XXXX at least 12 times, directlry and through my XXXX wallet. Absolutely no one will accept this card. It rejects from major online retailers and in stores. The card also reflects pending transactions related to rejected charges for several days, so the balance is artificially decreased even though the sales have been cancelled on the vendors ' side.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: LA

Complaint narrative:
US Department of ED confirmed that my account went into Collections on XX/XX/2017 which would seem to suggest that the first day of XXXX had passed. 
Us Department of ED Account numbers XXXX XXXX XXXX XXXX XXXXXXXX is close to or past the time legally protected by the FCRA to be furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I received a phone call while I was at work from Wells Fargo. The caller stated that " this call may be monitored or recorded '' and said she was from Wells Fargo and that two unauthorized transactions were attempted using my card information. She said Wells Fargo stopped the unauthorized transactions from going through. The caller then asked if I had received any text alerts stating this. I replied " No ''. She said she wanted to make sure I was receiving the alerts in case this happens again. She verified my information and then sent a few " test '' texts to my cell phone. She said to ignore the context of the texts, as they were randomly generated. The following day, I checked my bank accounts, checking and savings, and they were completely cleared out. The checking account transfer was for {$6300.00} and was under the name of " XXXX XXXX ''. The savings account transfer was for {$1000.00} with a {$30.00} wire transfer charge, under the name of " XXXX XXXX ''. This occurred on XX/XX/2023. When I called Wells Fargo and explained the situation, I was told that there was nothing they could do because it appears that I knew the people and transferred the money to them because they had my information. When I stated that I absolutely did not know the people and that they called falsely using Wells Fargo 's name, they still denied my reimbursement claim, closed my account, and opened a new one. I called numerous times, and, with my last call, I stated that I was going to hire a lawyer. The Wells Fargo representative then told me that I should hire a lawyer. I called the police to file a report, I then contacted several lawyers but have received XXXX responses. I have also put a fraud alert on my name with all 3 credit bureaus. I have also contacted the XXXXXXXX XXXX Attorney General, but with no response. I have been trying to find help with this situation and no one seems willing.

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 2024-01-18 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: MO

Complaint narrative:
Experian closed another complaint without addressing the issue but reverted back to the long form computer generated response which is Experian standard stall tactic

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 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2024 I made a {$50.00} XXXX from my an external bank account to my Bank Of America Checkings account. This money was received into my account and I have attached a copy of the email stating it was received into the account. On XX/XX/2024 a {$50.00} payment was made from my Bank Of America checkings into my Bank Of America credit card. On XX/XX/2024 these {$50.00} were marked as returned payment unpaid. I never then received those {$50.00} back into my checkings and the Bank Of America company supervisor from the Deposits department XXXX from the North Carolina office stated the my checkings account never had {$50.00} to begin with. I explained to her that how can a payment be made from an account if it does not have any funds but she stated that it was not their problem.

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 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
This banking practice is unfair to it's banking consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: MOHELA
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that 1 was in fact a victim of this data breach and XXXX has done nothing. 
Please help me delete these illegal accounts from my credit reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have a XXXX XXXX Credit card and they continue to report this to my personal credit report not my business credit report. I would like for it to be removed from my personal credit and reported accurately to business credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Yes I had two Bank of America credit cards and they were both stolen and I cant seem to get into the account and report it so I can get it canceled and get new cards sent to my new address. It looks like someone was charging my card and I would really like help on disputing those transactions and how can I get a new card and find out what is my remaining balances on those cards thank you

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 2024-01-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is an authorize user in my credit report that i dont recognize as mine and i never authorize for...

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 2024-01-18 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: MO

Complaint narrative:
Still working on this while closing 3 others today with the same issue. This fraudulent company is a predatory company that needs to be held accountable AGAIN, GIVE BACK Y CREDIT 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 explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. Over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted expeditiously. If the accounts are not deleted immediately, I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: FL

Complaint narrative:
On XX/XX/ I sent a letter regarding inaccurate and unknown things on my credit report. Over XXXX  days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted expeditiously. If the accounts are not deleted immediately, I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: TX

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the 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. 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 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the 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 3949A : Information Referral AND IRS form 211 : 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 2024-01-18 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: NY

Complaint narrative:
I have tried to investigate XXXX XXXX XXXX for the amount of {$8700.00}. I have tried to investigate XXXX for the amount of {$0.00}, said account has been deleted from XXXX and XXXX. XXXX XXXX ( no amount listed ) this account has also been deleted from XXXX and XXXX. CFPB In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 Section 602 states that I have the right to privacy. 15USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 166B a creditor may not treat a payment on a credit card account under an open a consumer plan as late for any other purpose. 
I am requesting these accounts be removed form My equifax credit report. This issue has left me unable to obtain credit for car loans and mortgages and credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Kikoff Inc.
State: NY

Complaint narrative:
Locked out of my account for credit improvement services, keeps reporting late on credit now. Have reached out XXXX no response, dont have a phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database

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 2024-01-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finance System of Green Bay, Inc.
State: WI

Complaint narrative:
After moving out of a rental I was sent a Security Deposit Closing Statement with the entirety of my security deposit returned. The place was spotless although there was a charge for carpet cleaning that told me I was being sent to collections in 5 days. This gave me no chance to respond, the carpets were perfectly clean, we had cleaned them ourselves. After getting in contract with Landlord I was told it had already been moved to collections and they did not need anything form is. If there was damage or other maintenance beyond normal wear and tear it would have came out of the security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX conducted a credit inquiry on my credit without my knowledge or authorization on XX/XX/2022. I have filed an Identity Theft report on with Federal Trade Commission and I will attach a copy of the report as such. Thank you for your 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 non-monetary relief
Consumer complaint received 2024-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRYS XXXX XXXX XXXX XXXX XXXX  IS NOT MINE XXXX XXXX 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 non-monetary relief