vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 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: SC

Complaint narrative:
So I am currently on the SAVE Plan I was moved over from Great Lakes to Nelnet and I was advised that under the Save Plan as long as Im making my monthly payment that my balance would not increase but Im noticing that it is increasing even after I make my payment and I spoke with them and they told me that the interest was going to increase anyway regardless of the payment I made and it starting to grow so I am reporting that Nelnet is purposing growing my balance even after I am making payment on this Save Plan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid for computer clean up services via XXXX from a guy with the XXXX  name of who has a company name of XXXX XXXX XXXX XXXX ( email : XXXX ) XXXX ( name on XXXX ) on XX/XX/XXXX. He asked for {$200.00} for his services and then claimed that he did not receive the funds when the funds were sent via XXXX. 

I complained to Capital One and they claimed that there was nothing they could do to retrieve the funds because XXXX is a 3rd party entity. Capital One also refused to pursue a second claim because the initial claim was completed and they have decided to not reopen the claim for full resolution. I was scammed out of {$200.00} from a guy on XXXX who probably changes his name after every scam he performs. I also contacted XXXX directly and they have never responded despite a complaint filed and the transaction number that was given to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
While at work on XX/XX/ a person approached my apartment unit while I was not there. An air conditioner installer heard a knock on the door and assumed it was me answered the door. The person who knocked on the door asked if the air conditioner installer if he was me and the person installing the air conditioner said no! Why? I was later told that the person at the door said because you owe this debt and proceeded to show the air conditioner installer documents with my personal information and a dollar amount! The air conditioner installer said that he was not me and left. 

When I got home from work I found these documents laying out as is! 

I am currently responding to this summons and filing this complaint at the same time. Its embarrassing and humiliating what unprofessionalism can do. I am not sure how many people on my floor saw my personal information. 

I asked security if anyone checked in to gain access to our secure building and was told no one signed in for my apartment or me on that day and access to the elevator is done with a key fob. ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
I received correspondence from the Credence collection agency stating that I owed {$1200.00} for an account belonging to XXXX XXXX XXXX XXXX. However, I do not know this account, nor have I given anyone permission to use my information for anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: NJ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: NC

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 2023-11-03 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: NC

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 non-monetary relief
Consumer complaint received 2023-11-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) and ( FDCPA ), specifically section 1681. I have identified the following potential violations : 1. Violation of FCRA Section 1681 ( a ) ( 1 ) ( A ) : I have not received proper notification of the inclusion of this charge-off account on my credit report. According to this provision, consumers must be notified of any adverse information in their credit reports. 
2. Violation of FCRA Section 1681 ( a ) ( 2 ) ( A ) : I have not received a copy of my free annual credit report once every 12 months, as required by the FCRA.

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

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

5. Violation of FDCPA Section 809 ( b ) : I have not received written validation of the debt within five business days of your initial contact, as required by the FDCPA.

6. Violation of FDCPA Section 809 ( b ) : A detailed statement of the debt, including the name of the original creditor and the amount owed, has not been provided, as required by the FDCPA.

Please investigate these potential violations and provide a written response within 30 days, in accordance with the FCRA. 

In accordance with de Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Subject : Formal Complaint Regarding Improper Use of Personal Information and Violation of 15 USC 1681 ( a ) ( 1-4 ) | Dear ChexSystems Representative , I am writing to formally lodge a complaint against ChexSystems concerning the unauthorized use and sale of my personal information and what I believe to be a violation of 15 USC 1681 ( a ) ( 1-4 ) of the Fair Credit Reporting Act ( FCRA ). This section stipulates the obligations of consumer reporting agencies to provide clear and accurate disclosures to consumers upon request. It does not give Chexsystems the right to sell my information without my consent, this is illegal.15 USC 1681 ( a ) ( 1-4 ) states : ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Despite my request for information, ChexSystems has failed to provide clear and accurate disclosure as mandated by 15 USC 1681 ( a ) ( 1-4 ). I insist on a thorough and proper review of the use of my personal information in accordance with the Fair Credit Reporting 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 explanation
Consumer complaint received 2023-11-03 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: GA

Complaint narrative:
I am writing to file a formal complaint against TransUnion regarding their inaccurate reporting of an XXXX account on my credit report. I believe that this reporting is unjustified and violates the Fair Credit Reporting Act ( FCRA ). 

I received a copy of my credit report from TransUnion, and to my surprise, I discovered that an XXXX account was listed. I would like to point out the following issues with this account : Lack of Business Dealings : I have never conducted any business or entered into any contractual agreement with XXXX. There is no history of any written or verbal contract between XXXX and myself. 

No Outstanding Debt : I do not owe XXXX XXXX XXXX any balance. The account in question with XXXX XXXXXXXX XXXX  was closed, and there are no outstanding debts or balances associated with it. 

Unauthorized Reopening : TransUnion reopened the account with XXXX without notifying me or seeking my permission. This unauthorized reopening is in direct violation of my rights as a consumer. 

Missing Disclosures : XXXX has not provided any written disclosures with my signature to support the validity of this account. As a consumer, I have the right to receive written documentation regarding any debt, especially one that negatively affects my credit score. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my credit report. I also ask that TransUnion correct this erroneous information and provide me with a revised credit report that accurately reflects my financial history.

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 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have, since early XX/XX/2023, asked Citizens Bank to terminate my bank account. I drew down the funds in the account to a XXXX balance, and requested that the account be closed. On two separate occasions, the bank has reopened the account due to an erroneous charge being made on the account. In both instances, I was charged an overdraft fee and a low balance fee. After multiple hours waiting after each instance, those fees were waived. I had to bring the balances back to XXXX, and request the account be closed for good. I asked them to waive the 60 day period, and they have refused. I asked them to backdate my account closure to the initial date requested to expedite the process of terminating the account, and they have refused. I have had to call them in the middle of the night during my honeymoon to get these charges waived, as they compound after five days. I have spent approximately XXXX hours on the phone and via their online chat feature attempting to close my account. As their hours of operation of their customer service line do not extend beyond or outside of normative business hours, this constitutes a meaningful loss of time at work for me, in addition to the significant frustration caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX This is completely inaccurate. 
XXXX XXXX XXXX This is not mine. 

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-03 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023, ) 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

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 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My accounts with Bank of America total well over their threshold to waive the monthly maintenance fee. On numerous occasions, I have brought the fees to their attention, and they reverse them and assure me the issue is resolved. They then go back to charging the fees, I follow up with the same info, they remove some and state the issue is resolved, and the cycle continues. This last encounter, they reversed only part of the fees that should not have been charged, and stated they would not remove any further 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 2023-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. 
Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
RESURGENT/LVNV FUNDING is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.

This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ).

THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.

This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party.

I have a right to this information, as its directly associated with the reporting activities.

This is also a NOTICE exercising my rights to prevent the processing of my personal data by RESURGENT/LVNV FUNDING.

Please be advised that providing a memorandum or other statement from your agency, stating that RESURGENT/LVNV FUNDING the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report.

PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: WA

Complaint narrative:
I filed a complaint with Mohela in XX/XX/2023 about a loan taken out in my name that I did NOT take out or receive any money. They then decided to give the person ( s ) another lone in XXXX. I have tried to call. I file a complaint. No acknowledgement from Mohela or the XXXX XXXX  regarding the documentation. 

Mohela Acct # XXXX XXXX XXXX XX/XX/2023 {$2600.00} XX/XX/2023 {$4900.00} I do NOT has any XXXX attending school in Arizona. 
I have NEVER applied for student loans for either myself or any of my XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Velocity Portfolio Group
State: OH

Complaint narrative:
On or about XX/XX/ my joint checking account was garnished by Velocity Investments LLC for {$8400.00}. Even though, I had repeatedly requested information on this debt over a period of 3 years, I never received any documentation. 
Furthermore, the account is a joint account that I own with a sibling and received no notice of garnishment. 

Additionally, proof that XXXX was allowed to send the money to Velocity since it was a joint account and why was I not notified nor the other account owner.

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 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
CITI bank can not do simple addition and even after a month they have not corrected their bank error of {$990.00}. 
XX/XX/XXXX, I noticed a deposit into my account that I did not recognize for the amount of {$990.00}. 
I called the bank to investigate what happened. 
Apparently, a XXXX XXXX deposited his social security check into my account. 
I rejected that deposit as it was not mine. 
The bank in turn debited my account twice for the {$990.00} that was deposited. 
I have called the bank over and over again, at least 15 times, to resolve this and to date they have not returned the money to my account. 
For that matter, the bank has filed collection processes on me in the amount of {$100.00} for the overdraft that the debit caused. At no time was I overdrawn. The fact is I should have over {$800.00} in my account.

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 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
CitiBank Closed my account claiming it was per my request. I started with a secured card with Citibank in 2017. Paid the account successfully and was transferred to a credit card. I kept the account current to date. CitiBank closed my account saying that I requested the closure. When I asked for proof the company stated I didn't meet the criteria for their products when initially I signed up for services the company rendered. There was no email or mail communication stating that things had changed within the company criteria and I feel that I was discrimated against for my financial demographics although I kept this account current and up to date. I know several counterparts with Citi cards products and services and the company did not offer me anything prior to closing my account causing my credit score to be lowered.

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