vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I used the ATM machine at Citizens Bank, on XX/XX/2023, The branch is located.at XXXX XXXX XXXX, XXXX, RI. I tried depositing {$4800.00}. The machine kept returning the money back, but I kept trying to complete the deposit, until I finally finished the deposit. I waited until next day to check on the account, and it was {$1300.00} short. I spoke person to person with the branch manager, XXXX XXXX, and he said it will be taken care of, and that there was an ATM malfunction and there was a lot of people affected. So, I went home and a few days later, I returned to the branch but this time I spoke with an assistant manager named XXXX, do not know her last name. She agreed with me that it was a bank error and apologized to me and told me that it takes 24 to 48 hours to return the money to the account. So, I left, and went back to the branch and spoke with a different assistant manager. This time the assistant said that it takes 45 to 90 days to solve the problem. So, I decided to get help since one manager said one thing and the other said something different. About a week later I received a letter stating that the there was no machine malfunction, and therefore, they will not return the funds to my account. Please investigate this, since there were a lot of people complaining like me and they probably got the same response from the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander sold my debt to another company. This was then paid off to XXXX XXXX who purchased the account. Santander continues to report and update as verified debt on my credit report. I do not owe them anything at all. I would like to have them removed. They can not even find me in their system. I paid my debt and they refuse to help or provide any information because they can not even verify me with my social or anything because the account has been closed and paid. They were notified by XXXX XXXX with a letter which I received as well that the account has been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: FL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

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 2024-01-12 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: GA

Complaint narrative:
I demand that you delete account XXXX XXXX XXXX XXXX immediately. Under FCRA law you are not allowed to reinstate a previously deleted account onto my credit report. Plus you never notified me that you were re-instating the account. This is a clear violation of federal law and you must delete this immediately.

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 2024-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: AR

Complaint narrative:
I called to speak with Nelnet on XX/XX/2024 about XXXX about the interest accrual and why it is so high on the amount and the rep didn't even look at the account and just started making excuses ( Maybe it was interest you had before ), we haven't been accruing interest for 3 yrs and now every month it is accruing incorrectly. I want this account looked at because it makes no sense to have approx. XXXX accruing every month on a XXXX balance if the interest is 6.8 %. And what is this capitalized interest? Nobody wants to answer questions but sure are happy to collect money. I feel like we are getting ripped off out here. These reps are incredibly unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.

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 2024-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-12 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-12 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: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and 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 non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
on XX/XX/2024 i transferred XXXX dollars to my savings account. the bank was closing the savings account because it was inactive. they have not returned the funds to my account, and im overdrafting with huge fees and have been told they cant help, i just have to wait for them to return it, w no timeline as to when that will be.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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:
It's unacceptable but now my research tells this happens by the hundreds of thousands of complaints on this company that this is still happening to me show the insane manner in which the fraudulent company treats people

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 2024-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a credit card with Bank of America. I paid it off directly with them and they were supposed to remove 30 days later. Its been over a year and it is still reporting on my account after u paid it off. Can this please get removed as I do not owe them anything at all.

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 2024-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OR

Complaint narrative:
I have been trying for 3 days to complete a loan consolidation. I was told by the university to complete it with my servicer, Mohela. The folks in customer service have been helpful but there is a broken link on the site and no way for the folks on the phone to fix it. I can not complete the consolidation until it accepts my info. My screen shots are below. The CSR says that there have been no complaints of having broken links. Someone needs to fix this. Ive called and emailed the addresses on the Mohela website as well as tried to call, only to be hear that those phone numbers dont work. They say I have an {$11000.00} back billI am trying to consolidate this. The University has put this in forbearance for a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: MD

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX 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 2024-01-12 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: MD

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and 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 2024-01-12 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: TX

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
This is about a Mazda XXXX XXXX account on my credit report thats showing 3 different dates from 3 different bureau 's these accounts should be showing the same information when there not! From my understanding there is a law stating Your Credit reports should have no errors when reporting issues. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported For XXXX XXXX XXXX XXXX date Reported is XXXX XXXX Reported a date open on XXXX Basically what am asking is for these accounts to be removed from my Credit report at once. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
See Attachments : VANILLA / INCOMM Dispute Claim Images of VISA Gift Card Receipt of Purchases This is the back and forth with VANILLA / INCOMM : XX/XX/XXXX and XX/XX/XXXX My issue is once I sent the back-up information they requested, they have simply ghosted me. 

XX/XX/XXXX Gift Disputes Today, I went to activate the Vanilla card today and in doing so, saw a XXXX  balance. The giftcard package did not appear to be compromised. 
My friend, who lives in the XXXX area gifted this to me in XXXX. 
Looks like she purchased at XXXX on XX/XX/XXXX. 
XXXX was used on XX/XX/XXXX at XXXX ( I dont even shop at XXXX ). 
Never attempted to use until today to purchase XXXX gifts for my grandchildren. 
Dont understand how a purchased and activated giftcard, in original packaging and never opened, can be depleted by someone else? Very saddened by this situation. My XXXX is now ruined. 
XXXX XXXX XXXX XX/XX/XXXX - EMAIL SENT TO VANILLA FROM XXXX XXXX A FAVOR OF REPLY IS APPRECIATED. I HAVE SENT THIS EMAIL THREE TIMES WITHOUT ANY FEEDBACK. PLEASE ADVISE. 

You asked for back-up showing the purchase transaction and actual gift card. Again, this was a gift from a friend who resides in the XXXX area. She has provided the transaction information. See attached. I have provided images of the actual Gift Card. Value was {$500.00}. VERY SAD SO MUCH FRAUD happens in your space. 

XXXX between InComm and XXXX XXXX Dear Customer, Hello XXXX XXXX, This is InComm contacting you about your gift card issue, XXXX. We have reviewed your claim and we require documents to complete your request. Please provide your documents at your earliest convenience. The documents we are requesting are as follows : Front of the gift card and a copy of your receipt. Please follow this format on the subject line of your email : First Name Last Name Case ( Insert Case Number ). We are sorry for the inconvenience. This is a do not reply email box. If you have more questions or concerns, please contact us at our customer service department, XXXX. If you are a XXXX  Gift Card customer, please contact XXXX. 
Please send your documents to the appropriate location for your claim. 
Activation Issue Fax Number : XXXX Activation Issue Email Address : XXXX Fraud Department Incomm Payments __________________

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
First, they make it known the calls are recorded. The week of XX/XX/2024, I called Ally bank to ask for payment assistance. I could not work full time when I was in XXXX XXXX  so it set me back with some bills as I am the only one financially supporting my family. Ally stated they could help if I made a full car payment by the end of the week as well as an additional {$65.00} and some change by this past Tuesday. I did exactly that and tried to call them soon after for the extension. My calls were picked up and then I was hung up on. I was finally able to get someone today and they told me sorry they told you that but I didnt qualify for the extension. Why lie to me and then as I mentioned to them the calls are recorded. The agent even said he was notating the account for the payment arrangement and they are no honoring what was told to me.

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