vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Illegal unauthorized fraudulent transactions and charges were allowed to all of my accounts in 2019

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 2023-10-31 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: DC

Complaint narrative:
Illegal unauthorized fraudulent transactions and charges were allowed to all of my accounts in 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 2023-10-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CO

Complaint narrative:
XXXX sent an account that I was to be removed from years ago to collections for equipment that was returned years ago. My email address was still tied to the account. While XXXX accepted the actual account holders documentation that I was no longer responsible for the account and per csr sent Eastern account services a notice to pull the derogatory information. They have refused to do so and have resubmitted since they were told the information was incorrect per my conversations with XXXX. They have added an address to my credit report where the infraction occurred. I have never lived there. I was never contacted before this was sent to collections by XXXX who I hold a current account with that has never been late ( autodraft ) or Eastern Account systems inc. who has an obligation to do so. They were contacting the account holder and sending me to collections. My rights as a consumer were and continue to be violated by Eastern account systems. From looking on line they have roughly one complaint a day sent in to the cfpb.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened an account at Truist with a {$50.00} deposit. They immediately marked it as fraud. I thought Truist closed it. However, they have been charging maintenance fees which has depleted the {$50.00} and caused {$20.00} in overdraft fees.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2023-10-31 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: SC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One credit card I had originally on my closed account call it account XXXX of {$280.00} it went up to {$290.00} for a full pay off I paid the {$290.00} in full I will download the online reciept, ive tried to send the conformation reciept that I paid through XXXX several times it will not let me load it except once the company keeps stating there information is correct I have a new different account XXXX I with Capital One credit card that is a totally different account I paid {$95.00} dollars for a secured card that in there policy states after XXXX to 9 months I would receive the {$95.00} as a credit towards my bill for my # XXXX open account that I owe nothing on its been 2 years ive yet to receive that temporary deposit for the # XXXX open account, also Capital One credit card mixes my closed # XXXX credit card account payments with my # XXXX open account payments I want the {$290.00} XXXX they charges me for the old # XXXX Capital One credit card account off my credit report immediately the dates are all in accurate for the XXXX I've opened my first card with them if you ask for there account dates and payments it's shows even though I owed {$280.00} for the first card they opened another card while I owed them for the first account that they claim I did not pay I have the reciept reference number date amount {$290.00} XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: TX

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 2023-10-31 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-10-31 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have submitted this matter last month, but I realized I had more proper transaction history of Chase. And I found out another claim record submitted by the doctor in question toward XXXX. 
Dear sir, I would like you to investigate the following issue regarding my treatment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had made an appointment with this office by phone following the advice of my friend, because of the XXXX XXXX issue. I went to the office on the date on XXXX XXXX XXXX, and probably I met XXXX XXXX XXXX because of the gender, female. I only met one doctor and received some instruction regarding XXXX XXXX XXXX XXXX. I had the regular XXXX  tests twice using two different devises in two separate rooms with assistants. At the record of XXXX, which was used to be our family insurance until this XXXX, I made the visits to two doctors, XXXX XXXX and XXXX XXXX XXXX. I am not sure who was XXXX XXXX, since I only met female doctor, assistants, and office ladies. The records of XXXX say that XXXX XXXX has claimed office visit and charged {$200.00}, even though I met a female doctor. And they say I had these tests ; XXXX XXXX  examination ( {$65.00} ), XXXX  test ( {$63.00} ), and comprehensive XXXX  ( {$130.00} ). And today, I found out this XXXX XXXX refiled and denied the same claim to XXXX. I paid my visit in-person on that day. I enclose the record of Chase transaction with a closed credit card ending XXXX by illegal transactions at several merchants. Later, I received two bills from XXXX XXXX stated on XX/XX/ ; even though the contents of the bills were same. I attach the copy of one of these bills. Since I was at loss and my husband mentioned to pay at that time, I paid by that same closed credit card ending XXXX. I attach the statement of Chase bank with this letter. In short, I paid {$35.00} twice for one visit to one medical office. I insist the payment processed on XX/XX/XXXX is a fraud. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31 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: CT

Complaint narrative:
Hello, I have been having issues with Nelnet, my federal student loan servicer for several months now. On about XXXX or XXXX occasions since the beginning of this year, Nelnet has failed to apply my standing special payment instruction to how my auto-debit loan payment of {$350.00} was to be applied across my loan groups. In XXXX of the instances, when I called Nelnet, they informed me that because I had not caught their error earlier, there was no way for them to reallocate the payment, and that the fix would only be effective for that current month, not the prior month that was also at fault. Since XX/XX/2023, I have spent approximately XXXX minutes ( almost XXXX hours ) either on hold with Nelnet or on the phone with their customer service to try and correct these issues. Every time I call they apologize, say they have fixed the issue and to call back in XXXX to XXXX business days. Only sometimes the issue is fixed and eventually it breaks again. Once when I called back after the XXXX business days, the agent said the other agent I had talked to almost a month before hadnt actually fixed anything and there wasnt anything they could do for that payment ( XXXX payment ). 

Currently the following months payments were not allocated correctly in the past 6 months. 
XX/XX/2023 allocated to single loan group incorrectly XX/XX/2023 allocated to single loan group incorrectly XX/XX/2023 allocated to single loan group incorrectly I even switched from my legacy special payment instruction to their allocate extra by percentages option to avoid any issues with the legacy option and people having to manually allocate the payment. I have been told that since I am paid ahead almost a year, that the allocate by percentages would split my {$350.00} payment as follows across my loan groups every month automatically. It failed to work and I dont know if I have it in me for another hour to XXXX hours wait on hold. Additionally, the estimated time on hold call out on their phone system is broken so it just says you have minutes on hold while also stating you have over XXXX wait. I tried this past Monday and gave up after XXXX minutes. 

Note that the original payment instruction before all these issues had been in effect successfully since XX/XX/2023. It was only starting around XX/XX/2023 that Nelnets system started breaking down and my payments started being allocated to singular loan groups against my wishes. 

I have also made several manual payments in this time period only to make sure all the loan groups show as having a payment applied to them so that when the loan status are reported to the credit agencies, even though they are paid up over a year ahead, that Nelnet doesnt go and report me not having made a payment for the month in question which has been rather stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Inquiries was made without my permission. Showed up on my Equifax Credit Report XX/XX/2023 XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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 respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hi, This is regarding what appears to be a violation of the Fair Credit Billing Act. I am an XXXX XXXX small business credit card holder. On XX/XX/XXXX I was charged {$11000.00} by a vendor with the merchant XXXX for custom-sized doors. Upon receipt of the goods, I realized they were made to the improper size ( specified in written agreement ), among other misleading/fraudulent practices by the merchant, who failed to rectify the situation. So I submitted a dispute with AmEx to get the charge refunded.

I sent all requested and necessary proofs documenting this dispute to AmEx, including detailed photos and explanation of the incorrect goods. I have waited 4 months for AmEx to process this dispute ; AmEx said they were waiting on the merchant, which is a XXXX corporation and difficult to reach at times. Because of this and constant miscommunications with AmEx, I have had to resubmit this dispute several times, most recently on XX/XX/XXXX. 

Finally on XX/XX/XXXX, I received written confirmation from American Express ( attached ) that this dispute was resolved in my favor and that I would be receiving the credit on my account shortly, as well as email confirmation. 

However the next day, I received a message from AmEx saying this dispute was closed and NOT resolved in my favor, contrary to their previous confirmation. When I explained to the representative that I was already told that this was closed, they denied their previous confirmation and said it was a mistake. So I then asked them to provide documentary evidence as to why, but they did not. 

As of today, it appears that AmEx " reopened '' this case without providing any required and requested documentary evidence of why they closed the case against me in the first place. ( They instead request documentation from me, which has already all been uploaded as you can see under Previously Uploaded Documents. ) I request a resolution in which American Express honors their original confirmation that this dispute was closed in my favor by crediting my account for the full amount of {$11000.00}. I also request they remove any and all interest charges from this disputed amount over the 4 months its taken to resolve. 

Thank you. 

XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: MOHELA
State: FL

Complaint narrative:
Today I received an email from MOHELA that I was being automatically placed on natural disaster forbearance. I am already on the SAVE plan which forgives interest and my payments are affordable. I have autopay set up. I did not ask for this forbearance and forbearance makes it so my interest is not being forgiven under SAVE anymore and being taken off this forbearance that I didn't ask for my interest will CAPITALIZE. I do not believe they should be allowed to do this?! They should not be able to place people on forbearance they didn't ask for if that means it will capitalize their interest. This is especially pertinent to people on the SAVE plan and seeking PSLF. Additionally, I can not get through to customer service! It took me like 10 minutes to navigate their phone tree and I was on hold for 40 minutes and then transferred to advanced help and my current wait time is an additional 88 minutes! This is absolutely unacceptable service!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: CA

Complaint narrative:
My loans are being held by Nelnet. I have applied for the SAVE program in XXXX but I never heard anything back. Student aid.gov just says my loan provider will pick my re-payment option, which they havent and I cant see any information about what they picked or if they even picked anything. Its impossible to get through on the phone to this company. They are operating like they are still in the XXXX with millions of lives being affected. A lawsuit should be brought to them. They are a monopoly and are purposely making everything difficult in order to collect late fees and occur more interest. This is predatory and should not be allowed. They are criminals and the fact that the federal government is in bed with them is a shame to this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
The Complaint I file against Comenity Bank with the Virginia Attorney Generals Office ( AG ) on XX/XX/XXXX was initially accepted. However, I received a letter dated XX/XX/XXXX instructing me to file with CFPB instead ( attached ), below are brief descriptions of my Complaint and attachments. 

I started complaining to Comenity Bank that my XXXX XXXX credit card account ( XXXX ) was being mismanaged and overcharged starting in XXXX XXXX by phone, email and U.S. mail ; our written Correspondences are attached ( Correspondence pgs. 1-8 ). My letter dated XX/XX/XXXX with receipts dated XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX ( pgs. 1-3 ) illustrate when the problem started ; I purchased two pieces of jewelry from XXXX XXXX in XXXX, VA on XX/XX/XXXX, returned one on XX/XX/XXXX after finding it at another store for about 50 percent less. After receiving the XXXX bill, I realized the payment plan for the two pieces was still in effect for the one piece, I wanted the plan changed since the one piece was eligible for an interest free payment plan. I went back to the XXXX store and as the attached receipts dated XX/XX/XXXX show, the store manager/saleswomen returned the remaining item and sold it back to me on an interest free payment plan. 

I havent purchased anything from XXXX since XX/XX/XXXX and the attached Statements dated XX/XX/XXXX XX/XX/XXXX ( Statements pgs. 1-20 ) shows the issue was never corrected, i.e., finance charges were/are still applied making the total I owed still over {$3000.00} ( I attached the first page of statements XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX, but noticed when preparing the submission for the AG, that some finance charges were returned on statement XX/XX/XXXX, therefore I printed out that entire statement, the returns were made after my letter dated XX/XX/XXXX in which I indicated that I copied the XXXX XXXX XXXX, which I didnt ). 

At this point, I am beyond frustration and decided to stop making payments in XX/XX/XXXX, after which I received a number of texts, phone calls from blocked numbers and with no voice message. I was finally able to return a call and speak to a representative on or about XX/XX/XXXX from a message left that day. During this conversation, I informed the representative the I asked a third party to review my account. 

I appreciate your attention to this matter

Company response to consumer: Closed with monetary relief