vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Am having a problem with Nelnet. On many occasions have attempted to re-certify my IDR status and have been met with the same looping patterns with them as disclosed in the attached email to them. 

Basic problem : the Nelnet call agent offers solution, but doesnt deliver and redirects to a website, the website dosnt work ( see screenshot of malfunctioning website after all input has been completed ). In this most recent call a form was requested to be emailed, filled out and returned, due to the problems with the website. In the promised email, no promised XXXX XXXX, I am only directed to a website, that is malfunctioning, the reason I called. The websites dont actually work, which forces me to call them, where they say they fixed the issue with my account, or will send me something to fill out, but issues are not fixed and only send link to the same problematic websites. 

Seems like they have some incentive to make problems for their customers? What could this be? 

Can you please switch me to other loan service providers? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive been trying to get my credit report from this Agency.but all I get is the run around

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 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive been trying to get my credit report from this Agency.but all I get is the run around

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 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
I was waiting for my pay check to hit my account. When I woke up and noticed that there was an un authorized charge from XXXX totaling {$100.00}. I contacted chime who stated I had to wait until the transaction went through to dispute it. I tried to reach out to XXXX but was not successful. My card was compremised because it was attached to my XXXX XXXX account which was hacked because another purchase was made from a different card that was also attached to my XXXXXXXX XXXX  account. When I pulled up my transaction from XXXXXXXX XXXX the charge was not there. I disputed there decision and they sent me back there findings and stated because I had my card with me at the time then it was an authorized payment which again It was not I just want my money back and did not think I would have to go this far to get it. It is not fair that because I had my card it says that I made this purchase which is not true. I submitted proof I did not even have XXXX. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
On XX/XX/2022, I was alerted by XXXX XXXX that my score had dropped. When I checked my credit report, I discovered an inquiry from XXXX XXXXXXXX XXXX,  of which I was not aware. Upon contacting XXXX XXXX XXXXXXXX I was told that at approximately XXXX XXXX of the same morning someone applied for a credit card using my information. I was not the one who applied, nor did I authorize anyone else to do so.

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 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
these inquires does not belong to me XXXX XXXX date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX XXXX  date : XX/XX/XXXX. only suppose to be one inquiry XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX. date : XX/XX/XXXX XXXX XXXX XXXX XXXX  ). date : XX/XX/XXXX XXXX  date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX date 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 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I received a copy of my credit report, to my surprise the bureaus are reporting the account # XXXX INACCURATELY. 

This collection account is reporting not only as OPEN but also shows a INCORRECT balance of across the three bureaus. XXXX has correctly deleted the aaccount at my request, Experian and XXXX have not and are reporting inaccurate information. XXXX shows a balance of {$1900.00} and Experian shows {$1900.00}. 

Also, not only are both Experian and XXXX still reporting inaccurate and incorrect information that XXXX has already rightfully removed, but they show inaccurate date of last activity. Experian reports XX/XX/2022, XXXX reports XX/XX/2022. 

Also, Experian and XXXX both inaccurately report the number of closed accounts. They both report one, while XXXX correctly reports XXXX. The number of derogatory accounts id also inconsistent across the three bureaus. XXXX correctly reports XXXX, while Experian and XXXX report one. 

According to the FCRA, I have the right to an accurate credit report. It also states that reporting this harmful inaccurate information can allow me to sue for damages. 

Please Delete this account ( XXXX ) immediately from my credit report. Please provide me with a copy of my new credit report showing this account deleted upon completion, ( Account Name : XXXX XXXX XXXXXXXX XXXX  ) ( Account Number # XXXX ) Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy, completeness, and deletion of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation Sincerely, 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 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/2022 Website sold information about my banking account pertaining to me being a XXXX XXXX XXXX XXXX, they refused to offer me handicap Accessible services and demanded they see me in person, this makes me feel worse about my XXXX from being a XXXX XXXX XXXX. The bank has continued to commit fraud and the Internal Revenue Services is Herby formally requested to audit their system for people committing hate crimes with the XXXX and XXXX community. Because of my religion I am being denied services ; ; XXXX XXXX FBI referral reference XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF THE WEST
State: NM

Complaint narrative:
This account was closed with a XXXX balance. The credit card company just keeps charging late fee 's and missed payment fee 's to create this balance! I went into the branch and talked to the same person who opened the account, he said it's nothing that can be done at his level.

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 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and someone used my personal information to obtain goods and services in my name without my permission. 

I did not benefit from any goods or services of these fraudulent accounts. I have attached a copy of my police and FTC report for Equifax to block and remove these fraudulent accounts immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
This company is collection on a debt that I do not owe. They never even try to contact me before destroying my credit. Thinking that they are above the law and can do anything they want.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: OH

Complaint narrative:
I have been having struggling to make my mortgage payments. So I applied for the Homeowners assistance Fund called ( Save the Dream Ohio ). I applied on XXXX. My application was approved by the state HAF program on XXXX. The state has been waiting for my loan servicer to reply so that they can assist with funding my loan. I have called my loan servicer BSI several times only to be transferred to a voicemail of my lead representative that never calls me. I have sent correspondence emails to my lead representative XXXX XXXX and to the customer service team via email. I emailed my letters of income eligibility approval provided by my states HAF program. It is now XX/XX/2022 and I still have not heard anything nor has my state HAFs program received a reply back from my loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I received a copy of my credit report, to my surprise the bureaus are reporting the account # XXXX INACCURATELY. 

This collection account is reporting not only as OPEN but also shows a INCORRECT balance of across the three bureaus. XXXX has correctly deleted the aaccount at my request, XXXX and Equifax have not and are reporting inaccurate information. Equifax shows a balance of {$1900.00} and XXXX shows {$1900.00}. 

Also, not only are both XXXX and Equifax still reporting inaccurate and incorrect information that XXXX has already rightfully removed, but they show inaccurate date of last activity. XXXX reports XX/XX/2022, Equifax reports XX/XX/2022. 

Also, XXXX and Equifax both inaccurately report the number of closed accounts. They both report one, while XXXX correctly reports XXXX. The number of derogatory accounts id also inconsistent across the three bureaus. XXXX correctly reports XXXX, while XXXX and Equifax report XXXX. 

According to the FCRA, I have the right to an accurate credit report. It also states that reporting this harmful inaccurate information can allow me to sue for damages. 

Please Delete this account ( XXXX ) immediately from my credit report. Please provide me with a copy of my new credit report showing this account deleted upon completion, ( Account Name : XXXX XXXX XXXX XXXX  ) ( Account Number # XXXX ) Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy, completeness, and deletion of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NM

Complaint narrative:
They are reporting 6 months of missed payments, when that's not true. Also the dates are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy federal credit union closed my accounts and I ask me to provide information in which I did, I reported over a year ago about someone trying it open an account in my name navy federal credit union did not take me serious at all I was not transferred to the security department to report the issue navy federal credit union union failed on me and closed my accounts that I had for over 4 years and I have witnesses that can say that these accounts are mine, I provided the information to show who I was Im fixing of file with the security and exchange and report this credit union, I proved who I was and they demand me after they falsely accused me and didnt want to hear they were wrong and I prove them wrong, they didnt like it, these people are rude and unprofessional I am a United States XXXX XXXX , this credit union treats there veterans very badly, I had provided that information the only reason they didnt reopen these accounts there excuse was I over draft but I had the money at that time to pay the other checking account off, I already paid one account off, its going of be funny when I walk into branch and I prove Im XXXX XXXX and this credit union owes me for calling me a liar I will turn this over to an attorney and I will have this account taken off my credit report, they demanded me to pay for something they fail to do properly, they committed fraud against me I will send through the consumer financial protection bureau a copy of identification and data breach in which XXXX drop all my information on the dark web and a ftc identity theft report, this credit union has over step there judgment and this credit union treats people very badly I mean badly, I want contact by the thr credit union about this situation, I am XXXX XXXX. I will not pay for anything is when these accounts were closed by this credit union for false information, they did not want to see that I was and I am XXXX XXXX, Im not going to pay for this credit card when it was navy federal credit union that got there facts wrong this needs to be corrected that credit card was being paid for, I will have this account removed and will put a very bad statement against navy federal credit union about this situation on my credit report that they blame for there mistake, either correct the situation or Im seeking legal representation to resolve this matter I will be demanded on something navy federal credit union did on purpose thats how bad this credit union is now resolve this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
these inquires does not belong to me XXXX XXXX date : XX/XX/XXXX XXXX. date : XX/XX/XXXX XXXX XXXX  date : XX/XX/XXXX. only suppose to be one inquiry XXXX XXXX XXXX  date : XX/XX/XXXX XXXX  XXXX. date : XX/XX/XXXX XXXX  XXXX ( bank ). date : XX/XX/XXXX XXXX  date : XX/XX/XXXX XXXX  date : XX/XX/XXXX XXXX  date : XX/XX/XXXX XXXX XXXX XXXX date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
They are reporting 6 months of missed payments, when that's not true. Also the dates are wrong.

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 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
They are reporting 6 months of missed payments, when that's not true. Also the dates are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
They are reporting 6 months of missed payments, when that's not true. Also the dates are wrong.

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 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The issue is with the accounts below I recently sent a Complaint on XX/XX/XXXX XXXX I'm bothered by the results I sent documentation of proof that TransUnion has broken the law. I'm sorry but CFPB did nothing there are multiple infractions with documentation. 
one of which never actually validated my dept since XXXX but continued to send my validation letters. completely unacceptable. 

In accordance with the fair credit reporting act XXXX  account # XXXX and account number XXXX have violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish an account without written instruction. 

XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX : look at the images attached. XXXX debt was supposably verified but shows the debt was truly never validated still shows an update date in XXXX even though the CFPB said everything was okay on XX/XX/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 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I called BMO Harris yesterday ( XX/XX/28 ) when I realized that payments that were supposed to cease, had continued to be withdrawn. In the middle of XXXX I revoked the authorization for a creditor to take ACH withdrawals biweekly. I sent them a letter stating that they no longer had authorization to take anything out of my account. I also spoke with someone in XXXX and told them i would be manually resuming the payments but it would be initiated on my end. I did attempt to resolve the issue with them and get the payments ( 3 since I revoked authorization in XXXX totally {$350.00} ) credited back to my account with no luck. So I filed a dispute, explained the situation, and she even closed my debit card and got a new one. Here is where BMO is lightyears behind, she said they won't be issuing a provisional credit at all. So even though the transactions are fraudulent because they continued to withdrawal funds after I explicitly told them they they could not and I was revoking my authorization, I get to wait until BMO fraud team investigates and maybe get my money back then? Absolutely not. That is NOT what XXXX outlines for financial institutions when it comes to fraud. I even sent documentation to support my claim to the reps hoping that would speed things along. So here I sit without {$350.00} dollars that I really need because BMO doesn't think they should credit customers while they are waiting for an investigation. Unreal. If XXXX can issue a provisional credit in 12 hours so can you and so should other banking institutions when dealing with fraud. When the consumer does everything right and the merchant fails to resolve, the burden lies on the financial institution and until they have proof supporting anything other than the details of the claim, the money is mine and should be credited to my account 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 monetary relief