vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Betterment LLC
State: SC

Complaint narrative:
On XX/XX/2023, I contacted Betterment Financial LLC Support to file a dispute with the XXXX XXXX XXXX XXXX XXXX XXXX that Betterment uses for their checking account product. As outlined in the attached document, there were four ( 4 ) unauthorized charges totaling {$590.00} against my checking account via the unauthorized use of my Betterment debit card on XX/XX/2023 and XX/XX/2023 at an unknown XXXX store. My debit card was in my possession and had not been lost or stolen. It's unknown how the unauthorized party obtained the debit card information to include my address. On XX/XX/2023, I received the attached letter from Betterment informing me that the debit card used was complete with the " CVV2 '' code and my address. Betterment concluded that these charges were '' ... authorized transaction ( s ) and benefit was received. '' based on the completeness of the debit card information used for these purchases. The letter further stated that the investigation was closed based on the report from the nbkc bank and no reimbursement of {$590.00} would be forthcoming. I did request copies of the documents that were relied upon to render their decision as offered in the Betterment letter. Upon receipt of a heavily redacted documented ( attached ) there were no details on the document that could assist me in disputing the unauthorized charges with the exception that although the address matched the debit card used, the ZIP code " ... does not match. '' This error was not challenged or discussed by Betterment other than to ask me to confirm the correct ZIP code. After several emails back & forth with Betterment it was apparent that their decision was final. I stated I would be closing my checking account because I couldn't trust the bank decisions on any future disputes. Betterment offered to assist in closing my checking account. I declined their offer and will close after I can redirect any further deposits into the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have a Bank of America credit card with my company that has rewards of XXXX Bank of America said i closed this account before redeeming rewards so nothing they can do.. I never closed that account and can still long into it after fighting with them for a few years. it still shows the rewards i have but will not let me redeem. i have called again after ruling from CFPB for this fraudulent activity and bank says there is nothing they can do and even if there is a ruling it doesn't mean they will pay me back. I submitted complaint they sent me a email saying they are working on it and requested more time. When i went back to check on complaint they send message to bureau they contacted me and complaint is closed .. this is false information. after the initial email i received nothing. i actually had to call them numerous times with no response so my only choice is to reissue complaint in hopes i get someone that will resolve the issue, they kept the money and drawing interest off it so they cant say they don't have it.

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 2023-09-21 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: MI

Complaint narrative:
I am writing to complain about the 7 text messages and 11 phone calls I have received this morning within the last 30 minutes regarding refinancing my mortgage. When I asked why am I getting these calls ; the response was your credit report was pulled yesterday and your information was sold to us so we can contact you regarding refinancing your mortgage. 

My credit was pulled yesterday to obtain auto financing at the Bank I work at. I cant understand why the credit bureau the Bank is contracted with can then sell my information to another company in order to try and get me to finance with them instead. GLBA privacy regulations indicate we cant tell anyone we gave someone a loan, why can the credit bureau? This is an unsolicited intrusion into my private information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-21 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 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: NY

Complaint narrative:
My student loan balance was transferred over from greats lakes to NELNET. I applied for the SAVE plan via the XXXX website on XX/XX/23 and noted that the application was marked completed on XX/XX/23. I checked NELNETs website on XX/XX/23 and my application was marked pending. 
On XX/XX/23, NELNETs website noted my SAVE repayment plan application was received on XX/XX/23 and to give them time to review my request. I attempted to call NELNET that Monday XX/XX/XXXX to inquire if additional documentation was needed but I was on hold for over 2 hours and unable to reach a representative. I checked NELNETs website again on XX/XX/23 and noticed that the received application date had changed from XXXX to XX/XX/XXXX ( I have a screenshot on my phone ). Once again I attempted to call someone at NELNET to inquire about the date change but as before, I was on hold for well past an hour and unable to reach anyone. 
I checked NELNETs website again today XX/XX/XXXX and the date of my SAVE application being received has changed again from XX/XX/XXXX to XX/XX/XXXX. 
Why does the date of receiving my application keep changing? Did they actually receive it? 
My repayment plan on their website still say extended repayment, thats the wrong plan all the while my interest keeps accruing. 
Does NELNET need supporting documentation for my application? Why is it so difficult to reach someone at their company? How do they expect me to make payments with such an archaic, inaccurate and unreliable system? I do not trust this agency to handle my student loans let alone access to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Management, LLC
State: CO

Complaint narrative:
I have medicaid and i should not owe any collections as it pertains to medical that are on my credit report. I've resolved with the courts and have uploaded all the documents that states the collection company is illegally attempting to collect a debt not owed. I need the collections removed from my reports which i've attempted to do many times but have not come off. Please assist in any way you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX I received an email about a regions credit card offer. I applied and got approved the same day. The offer was {$250.00} bonus offer cash in for rewards with the regions visa signature card. Earn a {$250.00} cash rewards bonus when you spend {$1000.00} in the first 90 days. The terms at the bottom of the email state the award will be given after the 90 day period. Today is XX/XX/XXXX as of this message. I have contacted Regions via their customer service chat and they gave me vague answers on the amount of time ( 60 versus 90 days ) and its very confusing. They then acted like robots when it could show they were typing.

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My last name has been incorrect on my credit report and Equifax refuses to correct it. Documents has been mailed to this company and they ignore every request. My last name on my credit report should be XXXX. XXXX needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-21 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax has failed to correct errors on my report and also has failed to keep a security freeze on my report. I have disputed this account and the fraudulent activity and nothing has been done. I submitted a complaint here and they came back and said that the security services account was not reporting on the credit report. Also, I have a credit freeze in place, and unauthorized access was given on multiple occasions. I also provided proof that XXXX XXXX XXXX has an incorrect address proving that fraudulent activity has taken place. Equifax has this collection account listed as a closed account with a date of major delinquency first reported on ( XX/XX/2023 ) but the right to dispute letter which has the wrong address on it says to dispute by ( XX/XX/2023 ) Please remove this account and the XXXX account from my credit report. Fix my security freeze and remove unauthorized inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 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: LA

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have a trucking business and for the second time a hold has been placed on account. This is ruining my business as driver is unable to purchase fuel to continue driving. There are plenty of funds on account to cover purchases and there is no reason for hold to be placed on account. I am told that hold is possibly being placed because this is a new account. This account is over 4 months old. I am told when I call that hold will be released but it will take 24 hours for hold to release. This is unacceptable as driver needs to purchase fuel immediately to continue to operate. He also has to sleep in the truck because he can't use card until hold is released. I am told by credit card supervisor that hold can't be released sooner as system is automated. This is costing my company money and ruining our reputation when loads can't be delivered on time. Money is removed from my bank account when payments are made but not credited to my credit card or at least not made available.

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 2023-09-21 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: CT

Complaint narrative:
I personally do not know this information but it is in my report damaging my status, please remove this soon, this is a mistake XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
I completed the loan docs for the SAVE repayment for {$170.00} per month and how the repayment with Mohela is {$390.00}. Also to start in XXXX. 

I emailed the servicer twice with no response as of yet. 

Thank you, 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 2023-09-21 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: IL

Complaint narrative:
I always paid on time, and this giving me XXXX I neves XXXX paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-09-21 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: GA

Complaint narrative:
This account has been in dispute since 2019 we have been going back and forth. As I notice looking at a old report that I will included that is account have been deleted from my report XXXX times or more and keep getting reinserted on my account. I have disputed this account regarding the inaccuracies that was posting. This account is still reporting in accuracies within my account with all three bureaus. 
Have been disputing this account for far to long and it should be removed.

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 2023-09-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This account has been in dispute since 2019 we have been going back and forth. As I notice looking at a old report that I will included that is account have been deleted from my report XXXX times or more and keep getting reinserted on my account. I have disputed this account regarding the inaccuracies that was posting. This account is still reporting in accuracies within my account with all three bureaus. 
Have been disputing this account for far to long and it should be removed.

Company response to consumer: Closed with non-monetary relief