vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/23 at approx XXXX XXXX., I sent a message to Chime Bank XXXX asking that " XXXX XXXX '' be removed from my Credit Builder account. I received a message regarding that it had to be removed from both my debit and credit account. I asked again to be removed from Credit Builder account since I had the option of adding " Spot Me '' to the XXXX XXXX account 4 months ago. the next Chime XXXX rep to answer, at XXXX est., XXXX XXXX Took it upon herself to close my XXXX XXXX account stating that I had request it. I have had XXXX Supervisors at Chime read the messages PRIOR to XXXX est, and all of them stated that I DID NOT request to have my account closed. I called and there was a ticket no. XXXX, created and sent to investigations as to why my account was closed without request, permission etc. I received a message that because I had a negative balance my account will be reported to Credit Bureaus, thus reducing my XXXX XXXX. 
I have called several time between XX/XX/23 and XX/XX/23 to obtain the status of the investigations and the Chime reps are NOT helpful with providing any information. Beware that they have the ability to do anything to your account without your permission and will mess your scores up intentionally and COMMIT FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: NJ

Complaint narrative:
TRANSUNION is posting 3 inquiries i dont recognize and did not authorize. They are not connected to any active accounts. They requested FTC which i have provided and the 3 inquiries are still on my report and are impacting my score and life. Please remove these 3 inquiries. They are listed below XXXX 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 explanation
Consumer complaint received 2023-12-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
From a dispute placed in XXXX 2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was removed from my credit report. As of XX/XX/2023, on EQUIFAX somehow this collection is continuing to reappear with the same inaccurate information on my credit report. Account Number # # # # # # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I inquired a copy of my equivalent report when I had an alert that my credit score had decreased. I then noticed a new collection account from Lockhart , Morris & Montgomery for XXXX XXXX XXXX XXXX XXXX in the amount of {$920.00} date opened XX/XX/2023 past due as of XX/XX/2023. Before a debt collector can report your debt to XXXX or other reporting agencies they need to contact me by phone, mail a letter and wait 14 days for response, or email the customer and wait 14 days. Then if they contact consumer they send a validation notice about the debt and then they can proceed to report the debt to the credit reporting companies. Lockhart failed to follow the appropriate steps and I was not aware of this account being reported. Therefore I am requesting this debt be removed from the credit reporting agencies since the debt was not validated. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) To protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX For them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma, LLC
State: MI

Complaint narrative:
On XX/XX/23, Credit Karma XXXX Account erroneously withdrew {$110.00} from my account. The morning of XX/XX/23, they had a system error which posted outdated balances ; the balances posted were from XX/XX/23. When they came back through to rebalance the accounts, they overcharged me for a payment to XXXX XXXX XXXX in the amount of {$110.00}. I reached out to their customer service via chat, and they advised that my only recourse was to file a dispute. A dispute is not the correct course of action for a charge that did not originate with the vendor. I requested they reverse the overcharge on their end, to which they offered no recourse. I do not have overdraft protection on my account, so the charge should never have gone through. Now, they are not answering chat or phone for further assistance, and I am left without my funds. This is an egregious breach of trust, and all I want is my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: Nelnet, Inc.
State: NY

Complaint narrative:
My student loan portal on Nelnet.com shows that I have made no attempts to pay them once loans resumed repayment in XX/XX/XXXX. I have made numerous attempts starting in XXXX to repay my student loans. I first tried doing so by setting up XXXX XXXX. I received an email shortly thereafter in XXXX citing the payment did not go through due to insufficient funds. I determined this was not the case after reviewing my bank account ; Nelnet never tried to pull the funds from my bank at all. I have since attempted to make payments via the website and by telephone. In both instances I received a confirmation as recently as XX/XX/XXXX that my payment was entered in their system. It is now XXXX and Nelnet is now contacting me again saying I am past due. As far as I can tell I have no way to submit payments to them that will actually be recorded in the system. This jeopardizes any forgiveness I might receive for making consistent payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover Bank issued a lawsuit through XXXX XXXX XXXX when I defaulted on a loan account. The promissory note signed between Discover and myself mandates an arbitration clause that reads If either you or we elect arbitration, neither you nor we shall have the right to litigate that claim in court. Discover is violating this binding promissory agreement by litigating when I have elected arbitration in this case. The attached promissory note also outlines that the arbitration provision survives termination of the loan and any legal proceedings by us to collect a debt owed by you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Received a letter of rejection for credit card from Barclays, XXXX DE, App # XXXX. The letter was sent to my home address with my first name but a different last name. This may be an attempted fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Pursuant to12 CFR 229 '' Availibilty of Funds and Collection of Checks Regulation XXXX XXXX XXXX is engaged in Placing a hold on Direct Deposits. 
On XX/XX/XXXX and XX/XX/2023 Capital One Bank Placed a Hold on a direct deposit from XXXX. In addition to placing a XXXX hold on a {$500.00} Dollar check written by XXXX XXXX my wife from XXXX XXXX XXXX. This complaint is Pursuant to Complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been a holder of Capital One 360 XXXX accounts ( XXXX XXXX XXXX XXXX ) since approximately XXXX I held ( until XXXX ) XXXX high-interest savings accounts with Capital One totaling over totals varying from {$15000.00} up to over {$60000.00}. 
I opened these accounts with the understanding that they were high-interest savings accounts. They were advertised as high-interest savings accounts at the outset and they continued to be advertised and operated that way. When interest rates went up, the rates went up ; when interest rates went down, the rates decreased. It was my understanding from how the accounts were advertised and operated that I would earn a competitive high-yield rate. For example, today, CapitalOne advertises high-interest accounts : 4.35 % APY- High Yield rate- A competitive Annual Percentage Yield. 

However, recently, after receiving an offer from a competing bank, I checked the interest rate of my Capital One accounts. All of my XXXX accounts are currently earning a paltry .30 % interest or less. I was surprised and visited the Capital One website to confirm that Capital One is paying such uncompetitive rates. I then spent hours on the phone with XXXX XXXX last night and today, seeking my original terms and condition documents. Capital One kept trying to direct me to todays Terms and Conditions but was unable to provide me with the Terms and Conditions when I open the accounts. Moreover, despite speaking to numerous people, Capital One was unable to provide any explanation as to what its variable rate was tied to., My most recent account statement states my accounts are XXXX XXXX Accounts. It appears that Capital One is treating legacy XXXX High-Yield Savings Accounts ( Legacy High-Yield Accounts ) differently than these XXXX XXXX XXXX The features of the XXXX XXXX Accounts appear to be nearly the same as the XXXX XXXX Accounts, except for the interest rate. 

It would appear that Capital One engaged in deceptive and abusive practices. Specifically, Capital One led XXXX XXXX Account holders to believe that they were getting competitive interest rates, but did not pay competitive interest rates. Further, Capital One launched a New High-Yield Account product without properly notifying Legacy High-Yield Account holders of the change or automatically rolling them into these accounts. And finally, it would appear that Capital One did this to intentionally deprive consumers with Legacy High-Yield Accounts of the interest they were entitled based on Capital Ones promises and past practices. 

Not only did Capital One violate XXXX Capital One intentionally harmed consumers who trusted Capital One to protect and preserve their savings. Particularly during high-inflation environments such as this, it is critical that Capital One repair the damage done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
From a dispute placed in XXXX 2023 The Collection Agency CAINE & WEINER COMPANY INC, was removed from my credit report. As of XX/XX/2023, on XXXX somehow this collection is continuing to reappear with the same inaccurate information on my credit report. Account Number # # # # # # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

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
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian, XXXX and XXXX are reporting information from a creditor that I had transactions and experiences with and I did not give the company authorization to communicate any of that info with this XXXX party agencies. I need the unauthorized info to be removed and or updated immediately. 

These are my written instructions, as the consumer, which the report is in connection with.

According to 15 U.S. Code 1681b a consumer report may be furnished ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
After AAA switched credit card vendors to Comenity Bank, this new vendor seemed unable to process my payments properly. After several months of on-time complete payments of full balance not showing up on my statements, I stopped using the card. Twice they even sent my payment check back to me saying they did not know what account to credit this payment to, even though the final digits of the account number were printed right on the check. Of course the checks were sent back to them by me, but then they proceeded to charge me late fees and interest ( for payments I had made on time and in full ) and now, they are ruining my credit with the credit agencies, claiming I have not paid my bill ( s ). My bank ( XXXX XXXXXXXX XXXX ) does use a third-party bill payment vendor, but I have proof that all payments were sent on time ( to the correct [ listed/bill payment ] address ) and this has been confirmed by my bank. 
Before the switch to Comenity bank, I have NEVER had ANY problems sending credit card payments to ANY OTHER credit card company. EVER. 
BTW : In their correspondence, their letterhead address has typos so it makes corresponding with them an unsure gamble.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-09 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: Navient Solutions, LLC.
State: SD

Complaint narrative:
Changed banks, in XX/XX/XXXX   submitted a request online with Navient to change my auto pay to new account ( I have been on auto pay for 20 years and have 10 more to go ). Recd email stating autopay approved with new bank. XX/XX/XXXX, Navient took autopay out of old bank acct. XX/XX/, resubmitted new autopay online and received email confirming new autopay. XX/XX/XXXX Navient did not take out autopay from any account. Called Navient to resolve. Through several phone calls was told that they would put my XXXX payment into Administrative forebearance, my loan terms would not change and I would not lose my .25 % interest reduction for timely auto pay payments. The automated electronic contract did not state the same terms that the representatives had told me, it stated a regular forebearance with interest capitalized, etc. You can not get out of the automated contract to speak to the representative without agreeing to the contract. I raised my concerns to 2 different representatives ( Navient made the mistake of not starting my autopay correctly, I did not want my payment to change or lose my interest rate reduction, or receive a late pay on my credit report, and that the automated contract did not state what they had told me ). Each representative said the same thing, that this was an Administrative forebearance that my payment and interest rate would stay the same and no late payment would be reported to the credit bureaus. Since Navient considered my XXXX payment overdue and required both my XXXX and XXXX payments to bring my account current, I had not choice but to accept their Administration forebearance, Today, I received my confirmation of autopay with Navient, and as I feared there was no Administrative forbearance, my loan payment changed from {$330.00} to {$340.00} dollars per month and since I have 10 more years to pay on this loan it will increase the overall cost of my loan by at least {$600.00}. I will not know until next month, but I imagine I will also get reported to the credit bureaus for late payment and lose my .25 % interest reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX, XXXX and equifax are reporting information from a creditor that I had transactions and experiences with and I did not give the company authorization to communicate any of that info with this XXXX party agencies. I need the unauthorized info to be removed and or updated immediately. 

These are my written instructions, as the consumer, which the report is in connection with. 
According to 15 U.S. Code 1681b a consumer report may be furnished ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: MA

Complaint narrative:
Fraudulent XXXX XXXX credit card appearing on credit reports

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 2023-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I recently recieved a copy of my consumer report. I noticed that CAPITAL ONE was reporting to my consumer which I did not authorize. According to the XXXX XXXX, institutions must develop and give notice of their privacy policies to their own customers at least annually and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. I THE CONSUMER DID NOT RECEIVE THE OPPORTUNITY TO OPT OUT so I am exercising my right to opt out NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent letter TransUnion Consumers Solutions removing. It has been more than 30 days and they have not done it yet. 


These are the wrong addresses : - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX TX 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 2023-12-09 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: IL

Complaint narrative:
I am writing to address concerning inconsistencies in the reporting of an XXXX XXXX account on Equifax Credit Bureau, specifically in comparison to information on another credit reporting website. 

Upon careful examination of credit reports, I have identified significant discrepancies that indicate potential violations of the Fair Credit Reporting Act ( FCRA ). The XXXX XXXX account is currently reported differently on Equifax Credit Bureau compared to another credit reporting website, resulting in inaccurate and misleading information. 

Charge Off and Collection Reporting : On one website, the XXXX XXXXXXXX account is reported as a charge-off, while on Equifax Credit Bureau , it is reported as a collection. This inconsistency in reporting violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires credit reporting agencies to provide accurate and complete information regarding any collections. 

Misleading Past Due Balance : Additionally, the account is displaying a past due balance on Equifax Credit Bureau, contrary to its status as a charge-off. This misrepresentation infringes upon Section 623 ( a ) ( 5 ) of the FCRA, which mandates that creditors report accurate information, including the date of any charge-off. 

FTC Identity Theft Report : I would like to emphasize that this XXXX XXXX account is fraudulent, and I have completed an Identity Theft Report with the Federal Trade Commission ( FTC ) to address the identity theft issue. Reporting inaccurate information on a fraudulent account further compounds the violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Somebody had used my Chase Freedom credit card at a gas station and spent about {$80.00} and I received a new credit card but never get reimbursed.

Company response to consumer: Closed with monetary relief