vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
FNBO advertised a credit card promotion to earn {$200.00} bonus cash back when opening a new card and spending {$3000.00} within 3 billing cycles, in addition to 2 % cashback on all purchases. I signed up for this card based on the offer, I was approved, and I spent the required {$3000.00}. I paid my bill in full, and then went to withdraw the XXXX points I had earned, which is worth {$260.00} ( the {$200.00} bonus and the 2 % of the {$3000.00} = {$60.00} earned ). Their rewards system wouldn't allow me to withdraw my earned cashback. 
I called FNBO several times, most recently on XX/XX/2023 attempting to get my earned cash back rewards. Nobody I spoke with could provide a way to get me my rewards, as their " High Risk Department '' had put my account on hold. This department demanded I submit a notarized copy of my signed social security card, government issued photo ID, copy of a full recent tax return, and a copy of my business tax return. 
I refused to submit this highly personal information, and requested they issue a credit on my account or mail me a check for my rewards balance. They said the rewards department had to handle that. I called the rewards department who informed me they can't issue rewards while the " High Risk Department '' has my account on hold. 
I demand a check for the {$260.00} in earned rewards to resolve this matter.

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 2023-10-23 00:00:00
Product: Credit 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: Atlanticus Services Corporation
State: MA

Complaint narrative:
My credit card was used multiple times without my permission. The transactions involved 8 charges of XXXX and 4 charges of XXXX. The credit card company did not activate a fraud alert for repeat suspicious transactions. I find this weird since, in the past, I tried filling up XXXX cars at a gas station, and the credit card company declined the second transaction but not these multiple transactions. I filed a fraud claim with the company when I noticed my credit card information was compromised. The company denied my fraud claim since I did log into my account during that time period and made a payment. At that time, I was using the card a lot for XXXX since my car was in the shop, and I figured the balance was due to the tips for XXXX rides being processed. While I did log in to check my balance I did not check/notice any suspicious transactions. Once my payment cleared, I tried to make a withdrawal which was denied due to the card being maxed out again by more fraud charges. This is when I noticed the fraudulent transactions and notified the company. The company is saying I am responsible for the charges since I logged into my account and should have noticed, but I do not think that is fair since the company should have issued a fraud alert and denied the multiple transactions. The transactions made do not follow my spending habits and should have been flagged. The company also said I only had 14 days to submit paperwork for the fraud complaint. Looking at the regulations, I believe I should have had 60 days. Once the claim was denied I called the company and was supposed to receive a call from a supervisor but it has been a week and I have not received a call from the supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: MA

Complaint narrative:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

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 2023-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I was approved for an auto loan on XX/XX/2023 by one main financial ... .during the closing part of the application the representative ( XXXX XXXX ) was rude on the phone accusing me of not following instructions... I was so frustrated that the dealership workers had to talk to her over the phone ... .we closed the deal... on Friday XX/XX/2023 I get an email saying that the loan was denied ... XXXXon Monday XX/XX/XXXX I called the number that was listed on the email and spoked to a gentleman from one main financial collection and explained why I was calling ( I was calling about the denial letter ) he said to ignore the letter ... ..I have spend all weekend XXXX  reviews about one main financial and I read up on alot of complaints and warnings from other consumers who dealt with the same thing I did... I am afraid that if I ignore this denial letter, it may haunt me in the future. The gentleman on the phone even asked if I talked to a lawyer and I told him not yet ... I'm worried about my financial future after dealing with poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a Wells Fargo mobile deposit of a check for {$2100.00} provided by someone claiming to be hiring from XXXX XXXX requesting that I print it, deposit it, and send {$2000.00} of it to a supplier so I could prove myself to be trustworthy enough to become a remote employee. They said I could keep the remaining {$180.00} for my time. The bank deposited {$400.00} to my checking on XX/XX/XXXX and the remaining {$1700.00} on XX/XX/XXXX. On XX/XX/XXXX I tried to send the {$2000.00} to the supplier ( a XXXX XXXX ) via XXXX. The bank denied the request because of suspicious activity so I chose to send two payments of {$1000.00} instead. I really needed the job and they were promising me $ XXXX. The representative was annoyed and asked me to use XXXX to send the rest. But I did end up sending the remaining {$1000.00} through XXXX. I reported the two XXXX transactions on XX/XX/XXXX immediately after the HR representative stopped replying to my messages on XXXXXXXX XXXX. I also reported the bad check via phone. The bad check was noted and the bank did not penalize me after consideration. However, I was still out of the {$2000.00} of my own money I used to send via XXXX to this supplier. I spoke to three online bankers and two managers and they said there was nothing they could do to get my money back because I authorized the XXXX transactions. In the meantime I received multiple instances of mail correspondence from Wells Fargo on XX/XX/XXXX and XXXX regarding my claims. The last call I had with a manager ended poorly because he said the other partys bank was not responding to Wells Fargos attempts to contact them and that it wasnt ethical for him to give me their contact information, and ironically told me I was on my own. This is unacceptable and I need my {$2000.00} back. Wells Fargo is complicit in the fraud as far as Im concerned and for them to prey on a customer who is in between jobs and searching for employment is despicable and immoral. Please help 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 explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
My laptop was hacked remotely. The hacksters found the routing numbers and account number to my personal bank account number and the same for my Coinbase account. I caught the transactions and my bank made me whole, but the money and crypto in my Coinbase account was depleted. Coinbase fraud department is difficult to reach or find a phone number. In the hold time and phone shuffle to get a live contact the hackers were able to make several transactions without my ability to block them or put a hold on my account. The first customer service agent I talked to said they would block it and save the money. It took me days and hours on the phone to find out that the account was in fact emptied and Coinbase locked me out and blocked my usage. They could not recover any crypto or find out where it went. They informed me I am no longer able to use their service. I feel as if I am being treated like the criminal and the hackers are being protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-23 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: NY

Complaint narrative:
Re : Complaint Against Credit Bureaus for Unresolved Identity Theft Issues I am writing to formally report an unresolved issue with certain credit bureaus regarding fraudulent accounts on my credit report as a result of identity theft. Upon reviewing my credit reports, I identified two unauthorized accounts : XXXX XXXX Account Account Number : XXXX Outstanding Amount : {$2300.00} XXXX XXXX XXXX XXXX Account Account Number : XXXX Outstanding Amount : {$1100.00} In an attempt to rectify this, I initiated disputes with the credit bureaus through written communication on two separate occasions. Regrettably, despite my earnest efforts to resolve this critical matter, I have not received any acknowledgment or response to my disputes. The presence of these fraudulent accounts has not only severely impacted my credit score but has also caused significant distress in my personal life. I had taken the necessary measures in good faith, expecting the credit bureaus to address and correct these inaccuracies. It is deeply concerning that these disputes have seemingly been overlooked or ignored. I implore the Consumer Financial Protection Bureau to intervene in this matter and facilitate a just and prompt resolution. Your esteemed bureau 's assistance in ensuring the removal of these unauthorized accounts from my credit report will be invaluable in restoring both my credit standing and peace of mind. Thank you for your prompt attention to this grave concern. I am hopeful for a favorable outcome with your guidance and intervention. Warm regards, 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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to dispute information on my credit report that I believe are inaccurate and should be removed. The following information are incorrect and should not be included in my credit report : 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 XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DP OF EDUC XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to dispute information on my credit report that I believe are inaccurate and should be removed. The following information are incorrect and should not be included in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian 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 DP OF EDUC 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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
This is the third time I've asked the agencies to correct my consumer report since the accounts listed below are Inaccurate. My life and personal reputation depend on the outcome of my consumer report. I'm exhausted and stressed every day. Delete these inaccurate and unverifiable accounts 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 2023-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: SC

Complaint narrative:
XX/XX/2021 {$4100.00} This company report bad information on my credit report without my knowledge. I never gave this company permission to obtain my credit. 

1692e, entitled False or Misleading Representations, states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Further, section 1692e ( 2 ) ( A ) prohibits the false representation of the character, amount, or legal status of any...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: MOHELA
State: CA

Complaint narrative:
Like many people, my student loan payments came back into repayment in XXXX. In the span of one week, I received wildly different information from Mohela regarding my repayment plan. On XXXX XX/XX/2023, I was told that I would owe {$320.00} per month, starting XXXX XX/XX/2023. On XXXX XXXX, I was told that I would owe {$1000.00} a month starting XXXX XX/XX/2023 ( both letters are attached ). I am part of the Public Loan Forgiveness Plan, so picking the correct payment plan is essential to being able to have the balance of my loans forgiven. I wrote to Mohela about this, and they took over a week to get back to me. When they did, they simply told me to call customer service ( a screenshot of our correspondance is attached ). I have spent over one hour trying to reach someone on their customer service line ( see my screenshot from XXXX- this was my second call today ) and it is absolutely impossible to speak with someone. I am not at risk for being punished for missing my payment ( putting my loan forgiveness in jeopardy ) after they provided me with contradictory information and then stopped providing information altogether.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
Just got credit report cleared. Company has filed another delinquent in XX/XX/23. Car has been paid off for over a year. They just cleared the last delinquent and they have filed another. Fixing to seek legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: MI

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have not yet contacted the company about this issue because a brief XXXX search shows that I am not alone. 

I have been logging into my Nelnet account on multiple devices and following a forced upgrade that depreciated their app, every time I log in, I get an error screen stating that payments can not be loaded. 

I am unable to complete the process of making any payments, including paying in full or partially. The entire screen showing my payment information seemingly does not react to any clicks or taps. I am perfectly happy to pay my bill ( I mean, not *happy* about it, but capable of doing so ) but I will not be happy if I end up past due because of their website not functioning for several days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: GA

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.

has violated my rights. Or a list of inquiries : 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 2023-10-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
There were two of my accounts involved on my same Capital One 360 Checking Account ending in XXXX. I was pretty stressed when both of these vendors charged my account After I cancelled. Today, XX/XX/2023, I cantacted my bank, Capital One 360 after I noticed that both companies had charged my account. It was also very stressful because I had to give my information three separate times because I was transferred to three different departments. When I inquired why I wasn't transferred to the right department the first time, there was no response. I needed to get the unauthorized transactions credited asap because they had plunged my account into the negative. I had to repeat the issues to all three departments because no one brought over the information. That being said, in the last department, I ended up speaking to XXXX. I kept telling her I needed to get this taken care of right away as I have serious health issue and was waiting for a call back from my doctor. I still ended up on this call at least 45 minutes which was really frustrating. On my XXXX XXXX XXXXXXXX I needed a credit back of {$14.00} which appeared on XX/XX/2023 and I asked to do a stop payment so this could not occur again.I also asked for a credit on XXXX XXXX XXXX which appeared on XX/XX/2023. I asked that a stop payment be placed on this account also. XXXX became argumentative with me and kept repeating the dialogue that it could take up to 10 days. I kept telling her that would not work because my account was in the negative and I am going thru enough trying to make ends meet since I am a XXXX XXXX XXXX XXXX I told her I heard whaat she said the first time, but XXXX kept repeating the same information to me again and again when she knew I had to speak to my doctor right away.. Then she told me she could not put a stop payment on the XXXX because it wasn't recurring. I have a membership which is veerified on the attached but she kept insisting nothing could be done.

Company response to consumer: Closed with explanation