vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Here is the deal I have debts with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a couple more. That were done by my XXXX ex husband. He took all my identity cards, he got so many things on my credit that I didnt approve sometimes not even know. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX he destroyed two cars on this report. He got an ex and then let it get repo a month later. He got a stereo system on my credit. Clothes, phones all sorts of stuff I have reported to cops, I have reported to the credit people. I need help. This is not fair that he has literally destroyed my life, body, mind and credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
These people sent me a letter offering a financial recovery loan or basically a personal loan to help consolidate debt. When i responded to the offer, they called me and had me on the phone for nearly an hour collecting personal information, he ran my credit report while i was on the phone with him and then he reviewed my credit report with me item by item only to put me on hold for XXXX minutes and then came back to say that he could not offer me a loan but he could offer me a " debt verification ''. When I asked what that is specifically and how it relates to the original offer that was made by them, he got shifty and hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account- XXXX 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 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 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: IN

Complaint narrative:
I lost my credit debit card and unauthorized charges where submitted to my account. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I used my Wells Fargo credit card to load money into my XXXX account. I did not realize this transaction would be a cash advance, and would be charged interest as such. Wells Fargo did waive the initial cash advance fee and interest fee, which I appreciated because I made a mistake, however, I asked if all I needed to do was to pay my next statement balance in full to avoid paying any future interest, they said yes. I received another interest fee, due to the standing cash advance, which they waived again, and then I immediately paid of my whole statement in full to clear both cash advance and general credit card balance. Here is the issue, there is no separate line item in my Wells Fargo mobile app for current cash advance balance. The cash advance itself looks the same as any other credit card transaction, however the interest treatment is different than a credit card transaction, since interest occurs from the date of advance instead after carrying a balance ( like a normal credit card transaction ). Luckily, I pay attention to these things and I was able to rectify my mistake which Wells Fargo did assist me with, no issues there. However, not explicitly calling out cash advance current balance nor giving an option to explicitly pay off that balance as its own separate credit type, is predatory. I am sure many consumers are paying at least 2 months of interest if not more for a cash advance balance they do not know they have, and if different transaction types carry different interest treatments, they should be separated out. 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 monetary relief
Consumer complaint received 2024-01-27 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: KY

Complaint narrative:
I made a payment to Nelnet about 3 months ago. 
There are 8 total sub-loans on this account so from each payment, a portion of it is applied to each of the subloans. 
In their incompetence, they recorded 5 of the sub-loan payments correctly. But three they applied as a charge instead of a credit. 
And now they keep telling me my payment is past due. BUT IT IS NOT. 
They finally acknowledged the error about a month ago, after about 3 hours on the phone, with multiple people, including one that hung up on me once they saw the error was actually their own. 
Eventually they said they understood the error and they would fix it... but it would take 5 to 6 weeks! 
That is the height of incompetence. This is something that would take a few keystrokes, and it SHOULD be fixed immediately. But it's now been over a month and they STILL have not fixed it. 
I called again last week to make sure it's still proceeding. They claimed that it was, and it would be corrected by Friday ( XX/XX/XXXX ). It has still not been fixed ( as of XX/XX/XXXX ). 
Please help me bring Nelnet to account for this. They have the potential to damage my credit due to their own incompetence, and they seem to not take this very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I sell football cards and had a PayPal account and I had XXXX cents in it which they had locked up for over a year bc I wasn't XXXX at the time that I scanned my photo id in to their app so the locked my account and I got sick of it so I called them up and tried to solve this issue and end up getting scammed and put a report on that and then they refunded my money and then i took it off the app by doing a bank transfer and now they are saying that i owe them all that money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I opened an account with Venmo to receive money our group had received as a gift with the intent of distributing it evenly between us. Suddenly I was prompted and asked for government ID and the last four digits of my social security number which I provided. After the information was provided I received an email saying my account was frozen for reasons of suspicious activity and after contacting customer service they said I would have to wait upwards of three weeks for a response, which is entirely unacceptable. Especially since I have already provided them with all the information needed and then some.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
I woke up to email and text message that I opened a chime account with all my information matching but I never opened it. I called chime and told them the issue they were able to close my account however I am worried that my social security has been leaked and out there being used

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX is a wrong account in my credit report that i dont recognise as mine ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX is a wrong account in my credit report that i dont recognise as mine ....

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 2024-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I have a business and open a savings account at the bank. a bank account for the company. They never sent us the cards. We put money in the account and without the cards we can not transfer or withdraw the money. We haven't been able to get the money for 2 months now.

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 2024-01-27 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2024-01-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have charges on my credit report that I DID NOT authorize

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit.

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 2024-01-27 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: OH

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

15 U.S.C 1681 section 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 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 2024-01-29 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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: IL

Complaint narrative:
Transunion has not lifted my credit freeze for over a month it was scheduled to drop XXXX around XXXX but it was never lifter, I called multiple times and reached out to customer service through chat, each time I gave my information and was told my freeze was removed but its not removed i have emails from places Ive applied to stating that my credit is still frozenthis is negatively effecting my earning opportunities, please tell them to fix the issues and remove my freeze now and notify me about it as well or im taking legal action, Ive had enough of this. ive filed multiple complaints already that have not been yet resolved, I have enough basis for a court case.

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 2024-01-27 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: CA

Complaint narrative:
To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Delete 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 non-monetary relief
Consumer complaint received 2024-01-27 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: CA

Complaint narrative:
To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Delete immediately !

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: TX

Complaint narrative:
In XXXX XXXX student loans were opened with Sallie Mae, through the guidance of the XXXX XXXX XXXX XXXX of the loans was in the amount of {$6400.00} ( loan ending in XXXX ) and opened on XXXX XXXX XXXX XXXX, meanwhile the other was for {$5600.00} ( loan ending in XXXX  ) and opened on XXXX XXXX XXXX XXXX. The total originating balance was {$12000.00}. * Coming out of school, I started work making less than the national median, and had difficulty beginning the payback process, to which Sallie Mae provided hardship assistance for the first year of the required payback period. through the loan modification they provided, my initial principal balance increased, however, once the hardship lifted and credit reporting became a valid reason to begin payback, I started to repay my balance. To date, I calculated the amount paid back to Sallie Mae is approximately {$10000.00}, meanwhile as of XXXX XXXX XXXX, the current balance for loan XXXX  is {$8200.00} and for XXXX  is {$6500.00} making the total current balance {$14000.00}. * To summarize, the loan balance started at {$12000.00}, I've already paid XXXX, and it's currently {$14000.00}. On top of this, the harassing collections calls over the past XXXX years have made a poor situation even worse, and I encourage you to listen to any and all recordings attached to my file, as many of them will display my grievances towards this whole situation. I need help in fighting this balance, as there is no way I can defend myself against an unfair contract, in the general benefit of the business against my finances. This might look like a valid model on paper, but in reality, it has completely crippled my financial life, and there is no end in sight. To think how many other people have contracts like this, and how much money these companies are making off of students, explains much of the financial problems that this country as a whole is facing. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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. I told Transunion to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate but that is not true. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. PLEASE REMOVE ALL ACCOUNTS ASAP!!!

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 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: AK

Complaint narrative:
Nfcu today and week ago called but they refused to give me answer and the people who hack me on the phone soundbite the other calls. I can't log in nore make a payment. Sounds like the people at the convenience store during stinger hack

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief