vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I an XXXX XXXX military and XXXX XXXX XXXXXXXX. Tried to contact the company regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Since I am XXXX XXXX and XXXX XXXX XXXXXXXX  I should get my loans redeuced to 6 % and get reimbursed for the previous amount I have been paying over 6 %. 

I have tried contacting navy federal and they are getting it confused with the SRCA. This is different than the SRCA. They told me I couldnt do anything about the high intrest I was paying. 

I have attached the statue and my XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: WA

Complaint narrative:
I can't give you dates but multiple times I have tried calling Mohela you are put on eternal hold. The only time I reached someone I was told to apply for the PSLF which I did. 
You ask for a supervisor or tell them your story and all they can do is read a script they don't have any way of escalating your concerns to managers. THis is my fourth or five lenders and every time it is more money I owe. How is a XXXX XXXX XXXX able to XXXX  and enjoy life if this is stopping from getting an apartment at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still 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 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 2024-03-04 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: WA

Complaint narrative:
IN ACCORDANCE WITH THE FCRA THESE CREDITORS HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED 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 explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received 3 overdraft fees in the amount of {$35.00} each for debit card transactions. I opted out of overdraft over a year ago to avoid fees, but they continue to charge fees. They refunded two of the fees leaving one because it was their policy not to. The call was escalated to the executive office, but they responded today that they would not refund the fees either.

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 2024-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I tried to file and identity theft with FTC, and was redirected here to file a complaint that I have had multiple accounts opened across different financial institutions without my consent. I believe my identity may have been compromised. I have already submitted a fraud alert with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to express my extreme frustration with the ongoing issue regarding the collection accounts on my credit report. Despite my repeated attempts to resolve this matter, the inaccurate information persists. This not only reflects poorly on your organization 's credibility but also violates 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 2024-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
My car was serviced at XXXX XXXX ( XXXX XXXX XXXX, XXXX CO XXXX ), part of the XXXX XXXX XXXX, in XXXX of 2022. The work was covered by my insurance company, for which they received a payment -- as a result, I recieved a refund for the payment I had initially made, which was issued in XX/XX/2022. 

I have not received any communication from XXXX XXXX XXXX since that time. Indeed, I had my car serviced again in XXXX of 2022, and no mention was made of me owing any amount. 

I received a debt collection letter from Alpine Credit , Inc, ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CO XXXX ), stating that I owe the exact amount refunded to me, plus interest accrued since XX/XX/2022. This is clearly erroneous. Moreover, I have not received any bills, statements, or other communication from XXXX XXXX since that time. Of further note, this apears to have been reported to consumer credit reporting agencies -- this has affected my credit score dramatically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: AL

Complaint narrative:
Ive recently Checked My Credit Report And Noticed Some Inaccurate Accounts Reporting..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I noticed that my account was closed so I called Chase Bank and they would not give me any information about my account they said the account was closed and my money that was in the account would be sent out in 10 business days. I didnt receive a letter of closure until XX/XX/XXXX from a letter they sent out on XX/XX/XXXX stating that they restricted my account and might be closing it soon and to contact them to provide information to keep it open so I called again and the woman said that the account had been closed on the XXXX so I would be getting my check within 10 days of that day and that I could call back to get updates about the check. I call again on Monday the XXXX to get an update on it and the woman told me that the account had not yet been fully closed until 10 business days then I will be able to get my money. Then we called back to speak to a manager and he said the account was only restricted and he wouldnt give any information about my account and when I would be getting the {$5200.00} from my wifes IRS refund that was put into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
My account was restricted by Coinbase in XX/XX/year>. I reached out to their customer services three times asking what I can do to help restore my account. Each time, they would ask me to provide some documents, which I promptly did. What followed next was always that they simply closed my ticket without any explanation. All I could do was to call in again only to be informed that the customer service representatives had no knowledge of what happened. 

I also submitted a complaint to Coinbase which was never answered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
So I called chase and talked to a manager about getting the balance transfer interest waived and we worked out a number to pay off and she said she was going to put in a request to that waived and I paid the total amount she told me. So not only did they not waive that interest after I paid the whole thing in full they charged me another XXXX in interest after that. I will pay the other but since I paid in full I want this other XXXX waived it is not suppose to be there. This rude lady I have dealt with in the past named XXXX who was rude again buy the way left a voice mail basically saying she was not going to help me. I asked to speak to her manager and its been 4 days and no manager has called me back at all and they claim they call back within 48 hours its been 4 days and no one has called me. I will rest until this XXXX is waived from this new bill. So there corperate office have a bunch of rude people and lie to me all the time about getting call backs. I want this intersest waived ASAP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: DISCOVER BANK
State: CA

Complaint narrative:
As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you XXXX XXXX, Discover Bank, XXXX XXXX XXXX  & XXXX XXXX, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 30 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you reported these accounts in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. You companies are causing Damages : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail. Im requesting this company to provide documents of my signature giving consent to share my personal information and return it in the responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MO

Complaint narrative:
In XX/XX/XXXX, I purchased a Vanilla Visa e-gift card for {$50.00} online at XXXX  They were running a promotion with a {$0.00} activation fee. I thought I would purchase it for myself to try it out before buying one as a present for a family member. As of XX/XX/XXXX, I haven't been able to use the gift card online to pay my bills or make purchases due to it being declined. On XX/XX/XXXX, I called XXXX ( their help line ) to ask for a refund. After speaking with a supervisor they said I would receive a refund check within XXXX weeks. XXXX weeks later and I still haven't received my refund. I called back today on XX/XX/XXXX and they said my refund request was denied and there was nothing they could do. 
See cardholder agreement for cards starting with XXXX on XXXX XXXX XXXX XXXX XXXX Note : Cards are distributed and serviced by InComm Financial Services, Inc. , which is licensed as a Money Transmitter by the New York State Department of Financial Services

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
on XX/XX/year> i disputed the below item with Transuion and investigation was conducted and on XX/XX/year> transunion deleted/removed from my report i have the proof attached to prove it directly from transunion. today i reviewed my credit report and the account was re reported on my credit report. this is a violation of my fcra rights Remove this account from my report 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 2024-03-04 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: ME

Complaint narrative:
I am enrolled in PSLF and my XX/XX/XXXX payment was incorrectly placed as ineligible towards my loan forgiveness count. MOHELA representatives will not tell me who made this payment ineligible and why I was incorrectly placed in forbearance. Multiple representatives told me this would be corrected by XX/XX/XXXX. When I spoke with a MOHELA supervisor on XX/XX/XXXX they told me the representatives gave me false information and that the review was being done by the department of education through XX/XX/XXXX. I was told this payment will count towards my count, but i can not believe anything MOHELA says. The supervisor also told me representatives were not logging call notes and there is no record of my previous conversations. MOHELA stated they could not change my payment from ineligible to eligible. I attempted to contact federal student aid on XX/XX/XXXX but the answering service said it was unable to take calls. The federal student aid chat directed me call MOHELA. The representative would not tell me if federal student aid or MOHELA incorrectly placed the count as ineligible. MOHELA representatives are providing false information to borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Hello, I wouldnlike to submit a grievance regarding the misconduct of XXXX supervisors XXXX behavior today. Around XXXX XXXX  i called XXXXavy Federal regarding {$130.00} being transferred wothout my authorization for transcations that were already paid for. When askjng the supervisor to escalate the incident, he refused and insulted my XXXX  as well as my XXXX. I spoke to XXXX anither supervisor regaridng this and she said that she would have the phone call and conduct of the agent reviewed and my claim was escalated. At XXXX, expecting this to be a resolution to the money being transferred without my authorization. I got a call from supervisor XXXX reprimanding me regarding the phone call where the agent was disrespectful to me. She was very rude, tried to provoke me with disrespect and ignored my XXXX XXXX as well as banking needs. I would like this phone call reviewed and a solition update in writing. I would also like my claim regarding unauthorized transfers reviewed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is creating undue stress, and I implore you to quickly correct it by ensuring my records are updated accordingly.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to dispute the accuracy of information reported by XXXX XXXX on my credit report. The account in question is Lease:XXXX which has been reported as a lease account in collection/charge off status since XX/XX/scrub>XXXX 2019. Fair Debt Collection Practices Act, 15 U.S.C. 1692 I request that Experian investigate this matter under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which requires credit reporting agencies to ensure the accuracy of information reported on consumer credit reports. 

The debt in question is beyond the statute of limitations for collection, as it has been outstanding since XXXX  2019. Therefore, it should not be reported on my credit report according to the FCRA. 

I respectfully request that Experian promptly remove this inaccurate and obsolete information from my credit report in accordance with the FCRA. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I was told that once I paid the settled amount for this account that it would be deleted from my credit report. I have paid this account off. Also, they are reporting inaccurate information on my credit report because the date of last activity is not reporting correctly from all three bureaus. According to 15 U.S.C. Section 1681, these companies have violated my rights. 

XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: TX

Complaint narrative:
It is imperative that this account is not included on my credit report, as it is not mine and appears to be fraudulent. I urge you to take the necessary steps to address these inaccuracies promptly.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I already submitted one CFPB complaint, which was marked as completed by the company but not resolved. I'm confused how this happened. I am still trying to delete my credit freeze, I emailed my documents to XXXX over a month ago and continue to call in, but nothing happens. My case number is XXXX. I have attached all required documents to this complaint in addition to mailing them and emailing them, and will continue to call. Please delete my credit freeze.

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