vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 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: CITIBANK, N.A.
State: NC

Complaint narrative:
This is a second complaint to the previous CFPB Complaint I filed on XX/XX/ ( Complaint XXXX ), stemming from issues going back to XX/XX/2023. I previously reported that I was the victim of fraud, where someone had stolen my physical credit card, and left a very obvious trail of fraud charges on XXXX XXXX, a service I have never, ever used as a adult ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The thief that stole my card left a very obvious paper trail : its linked to their XXXX account, and added the card to their XXXX XXXX XXXX, which should give Citi more than enough information to determine who the thief is and what their contact information is. However, Citi has done NOTHING. 

To the contrary, Citi by its own omission in the response to my previous complaint, cant figure out how to report this issue as fraud without sending me a new card, which I cant receive, because I am traveling. So instead of addressing the issue, they sent a form letter to my previous complaint, and have let the issue linger, and now have the AUDACITY to report that my account is past due, putting a giant blemish on my perfect credit. Instead, they have completely locked me out of my account, so I am unable to even pay the fraudulent charges to avoid late charges. I am blocked from accessing my account online AT ALL and the CSRs that answer the phone will not assist me. 

I want this issue that has been going on for MONTHS resolved, the information regarding the fraudulent charges reported to the appropriate authorities, and all negative credit reporting removed IMMEDIATELY. It is astonishing that a company of this size is allowed to get away with this type of treatment of its customers. They clearly do not take the oversight of the CPFB seriously.

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 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the evening of XX/XX/2023 I made an ATM withdrawal using my Bank of America debit card on a XXXX XXXX  ATM in XXXX XXXX  XXXX. 

The amount was for {$260.00} with a {$9.00} fee. 

No cash or a receipt was given from the ATM. The store attached to the ATM was closed and I called the number listed on the ATM for if there was an issue, which directed me to BoAs help line which was closed due to after hours. 

I submitted a claim the next day on XX/XX/2023 on BoAs online portal. This claim was denied on XX/XX/2023. I've attached the denial letter which claims that the transaction was successful. This letter is strange as it includes XXXX  ATM transactions from the other people too which seems like a privacy concern. 

I called Bank of America today ( XX/XX/2023 ) to have them explain why the claim was denied. I had them re-open the claim to get more information from XXXX. I was told this can take anywhere from another XXXX days. In the meantime my temporary credit was removed when the claim was first denied and was not brought back when I re-opened the claim. 

I called the ATM operator as well ( XXXX ) who told me they can not help me at all with providing more information. 

It's very frustrating to have a claim ( my first ) denied that could be solved with a ATM audit that was not happened.

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 2023-12-19 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: PA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/2023 Capital One received a credit card application for a credit using my name and ssn. 
i use XXXX XXXX, they reached out to me, hence I contacted XXXX XXXX and had a 3 way call, having Capital One mark the application as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
XX/XX/2023 I sent multiple letters to these companies involving following accounts XXXX XXXX XXXX  {$800.00} Acount # XXXX 2-MIDLAND CREDIT MANAGEM {$850.00} ACCOUNT # XXXX In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX  Accounts # XXXX XXXX XXXX XXXX, MIDLAND CREDIT MANAGEM ACCOUNT # XXXX has 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. 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 the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
was to buy a car from XXXX XXXX XXXX XXXX XXXX of XXXX Iowa via they're web site for agreed price of {$49000.00}. car was to be transported to my address after money was wired from my bank, XXXX XXXX XXXX Bank of America account # XXXX money was wired on XXXX XXXX, XXXX car was never received, I notified XXXX XXXX XXXX XXXX in early XXXX received a case number XXXX, have not heard back

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 2023-12-18 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: GA

Complaint narrative:
XXXX XXXX XXXX is reporting a debt under my name under all XXXX credit burea that is Outdated by Georgia Statue of limitation nor is this my debt. I've mailed documents to XXXX XXXX XXXX on XX/XX/16 and their address is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and informed them via mail that the amount of {$23000.00} is not my debt and this debt is also past the statue of Debt law in GA which is 6 years and cant be reported by law due to it being outdated. However the account continues to be reported under all three credit bureau and by Law is Outdated and is not mine but continues to reappear every time I dispute this account with the credit bureau removes it. XXXX XXXX XXXX adds the account back to every credit bureau. Ive provided this information by mail but XXXX XXXX XXXX continues to defame my name and this is in Violation of the Fair Credit Reporting Act and a Violation of the Debt Collection Practices Act.

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 2023-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: IL

Complaint narrative:
I am asking for someone to look at the paperwork Ive submitted several times to the FSA. Mohela did not keep track of my loans. I am unable to apply for loan forgiveness as only 3 payments since XXXX were accounted for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: WV

Complaint narrative:
I applied for the IDR SAVE plan on the very first day the beta site launched. One payment was auto drafted once payments resumed.

Since then my loan has been placed in an administrative forbearance while Nelnet " processes my IDR application. '' I get emails every few days telling me it's still being processed. I tried calling them to get an update and the hold time was 77 minutes. This is unacceptable. It's unacceptable that months later they still haven't approved an application that was filed on the first day and it's unacceptable that you'd have to wait on hold for over an hour to speak with someone about what's taking them so long. This would never fly in the private sector. Nelnet needs investigated and likely needs to lose their ability to service student loans. My account has now accrued $ XXXX+ in interest while waiting to hear from this terrible loan servicer. Will this interest be forgiven because of their negligence? I have given them every bit of information they need. If they haven't processed my application ( one of the very first ) they likely haven't processed anyone 's application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: PA

Complaint narrative:
I am writing to delete the following information in my XXXX. The Items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items ve deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision Identity Theft Adavit. Please delete the items as soon as possible.

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 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX I wrote a check to the United States Treasury for XXXX 4th quarter estimated taxes. 
In XX/XX/XXXX I received a notice that the check had not been received. Upon review the check was cashed in late XXXX XXXX  The IRS confirmed non receipt in XXXX XXXX I filed a claim in XXXX XXXX  to Chase Bank for fraud in my account, as the check was deposited in a XXXX XXXX XXXX account and was honored by Chase Bank without an endorsement. 

XXXX XXXX XXXX closed the fraudulent account in XX/XX/XXXX but has not refunded the amount to my account. Chase Bank says that XXXX XXXX is responsible ; XXXX XXXX says that Chase is responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: NY

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 considering submitting a complaint to the Consumer Financial Protection Bureau ( 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 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I HAVE NO KNOWLEDGE OF AN ACCOUNT BEING OPENED WITH CAPITAL ONE. MY IDENTITY WAS USED TO OBATIN A FRAUDULENT ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: MI

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. 

Account Name : XXXX XXXX Account Number:XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: MI

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. 

Account Name : XXXX XXXX Account Number:XXXX 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 explanation
Consumer complaint received 2023-12-18 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: WA

Complaint narrative:
We initially requested an Income driven repayment plan in XX/XX/2023, we were immediately approved by the department of education. However the servicer told us that because the loans were in a 6 month grace period they could not be put on an income driven repayment plan ( SAVE ). We reapplied the exact date that the grace period ended XX/XX/2023 and it has not been approved. On XX/XX/2023 we called Nelnet the servicer and waited on hold for over XXXX hours to be told that they could not confirm when it would be applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CDS Debt Relief, LLC
State: IL

Complaint narrative:
I been In contact with company regarding a refund and I have not recieve it. They took a payment on XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX and on XX/XX/XXXX for XXXX. Please help me.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-18 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: CA

Complaint narrative:
Personal Statement my wallet including my id, social security card, bank cards and my medical cards was stolen. i have been been disputing this unauthorized account with XXXX XXXX since the day i noticed it had been reporting to my credit report. I have never experienced anything of this nature. my identity was stolen and used to obatin a XXXX XXXX credit card with a balance of {$3600.00} that i have no knowledge of. I have and will continue to disoute this fraudulent information until it is removed from my credit report. no signatures, authorization or any consent of mine was given to XXXX XXXX, they had no right to open a fraudulent account using my information. in this case they allowed a fruadester to use my personal information to obatin fraudulent funds. this matter needs to be invistaged and removed immediately. 
My rights have been disregarded and I demand this matter be settled 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 explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XXXX XXXX XXXX XXXX XXXX b/c of covid I was not receiving a normal paycheck I called my lender and asked them for assistance. they paused my payments and I was told by the rep that I would not be reported late. but both XXXX and XXXX were reported late in XXXX  I since have been current with my mortgage and have made attempts to have the late charges removed or reported as no data as did the other months during the covid pandemic. 

WellsFargo has refused to do so. I have spoken with them and asked them to help me but I feel that they are not willing to do so b/c of my ethnicity and in fact discriminating against me b/c I am XXXX. I spoke with XXXX in your main office. She was horrible and treated me with a very dismissive tone. 

Is it wellsFargo normal practice to be antisemitic? I unfortunately believe it is and if I had another background they would have taken my concerns more seriously. It disturbs me that in today 's climate WellsFargo would opening discriminate in such a way.

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 2023-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CNG HOLDINGS INC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX claims that {$1200.00} is owed by Tempoe which Tempoe was involved in a lawsuit & debt is considered not owed anymore. Sent in paperwork showing proof that the debt is considered no longer owed. It is public record if you type in Tempoe Lawsuit. I tried disputing it through credit bureaus. They dropped it off one credit report but wont drop it off the other 2. XX/XX/2023 I reached out to company as to why was the information updated as being owed. I was told on a recorded line that the debt would be deleted. I checked experian & they reported it as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: CA

Complaint narrative:
Personal Statement my wallet including my id, social security card, bank cards and my medical cards was stolen. i have been been disputing this unauthorized account with XXXX XXXX since the day i noticed it had been reporting to my credit report. I have never experienced anything of this nature. my identity was stolen and used to obatin a XXXX XXXX credit card with a balance of {$3600.00} that i have no knowledge of. I have and will continue to disoute this fraudulent information until it is removed from my credit report. no signatures, authorization or any consent of mine was given to XXXX XXXX, they had no right to open a fraudulent account using my information. in this case they allowed a fruadester to use my personal information to obatin fraudulent funds. this matter needs to be invistaged and removed immediately. 
My rights have been disregarded and I demand this matter be settled 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