vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EASTERN BANKSHARES INC
State: MA

Complaint narrative:
I had an incident with Eastern Bank - XXXX XXXX - XXXX ( XXXX ) in XXXX XXXX, MA on XX/XX/XXXX. I deposited {$200.00} in cash. The next day, I got the confirmation email of my deposit and it said, {$180.00} was deposited. My RECEIPT said {$200.00}. I immediately went to the bank and the bank manager wasn't very helpful or apologetic. She went up to a bank teller and proceeded to speak to her in XXXX, even thought both of them know how to speak English. That's so unprofessional. And also makes the assumption that because I'm XXXX, that I don't speak XXXX. And the teller said in XXXX that it was {$180.00} as well. And the manager didn't apologize and was defensive, " People make mistakes. '' So I went to Eastern Bank in XXXX XXXX and I asked them to look into it. They told me that it was Teller XXXX and that my deposit slip was tampered with and altered to read {$180.00}, ten minutes after I left the bank on the XXXX. Later on the XXXX, I got a call from the manager of XXXX XXXX and they credited my account. But whatever happened, this is criminal and this needs to be investigated. As well as the unprofessional behavior of the manager. -- UPDATE : I heard from a XXXX XXXX from the problem resolution specialist. We exchanged a few emails regarding the issue, and then she said she had to speak with me on the phone to validate my account. I avoid speaking on the phone, because of the lack of a paper trail. That's when she proceeded to tell me that the deposit slip was written out for {$280.00} and that I told them to change it to {$180.00}! I did NO such thing! I asked her for a copy of the deposit slip and it's CLEARLY forged! If any changes were supposed to be made, I would have had to initial or make out a new slip, etc. But that didn't happen, because the teller made the changes after I left the bank! Then I received a letter from Eastern Bank saying that I made a cash deposit of {$180.00}. And said that the cash deposit of {$100.00} was incorrect!!!!! Didn't mention anything about the deposit slip being forged to read {$280.00} and then {$180.00}! SEE ATTACHED photos of the doctored deposit slip. You can CLEARLY see that I DO NOT write my 8 's or 1 's the way it is written! It's not my handwriting! Too late for Eastern Bank to back-pedal on that one! Photographic proof! I also filed a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/2023 I sent a letter to the company requesting that these inquiries were initiated by me. These unverified inquiries violate the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. These inquiries are showing up on both my XXXX and XXXX reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: TX

Complaint narrative:
This letter is written to address issues with the accuracy of information in a recent credit report. A thorough examination of the report revealed several contradictions that demand further investigation. 

I am knowledgeable about the specifics of the Fair Credit Reporting Act because I practice careful consumer behavior. This law enables individuals to challenge and request changes to any inaccurate information on their credit reports. 

Due to familiarity with the Fair Trade Commission 's ( FTC ) guidelines, these errors in the credit report raise concerns. These errors are a chance for me to verify what I know about how credit reporting functions and, more importantly, how effective the laws that control it are, even though I didn't anticipate them. 

I am aware that consumers have the right to contest the veracity of their credit reports under the Fair Credit Reporting Act. The FTC is responsible for enforcing this federal law, which has safeguards to protect our interests and ensure that information about credit is presented accurately and fairly. 

I'm currently making use of this right to challenge the FCRA violations because these problems demand further investigation. Given that it improves their capacity to monitor and maintain their financial health, this law is extremely valuable to consumers. 

I'm hoping for a satisfactory and swift resolution in accordance with these regulations in light of this. Not only will prompt action be advantageous, but it will also highlight the significance and value of these consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: WI

Complaint narrative:
On XX/XX/2023 I sent a letter to the company requesting that these inquiries were initiated by me. These unverified inquiries violate the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. These inquiries are showing up on both my Equifax and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Before the student loan COVID pause, I was enrolled in autopayment through an old bank account. Before the start of repayments, I turned off autopay and removed the old bank account linked to my account on XX/XX/2023. I planned on taking advantage of the on-ramp policy and starting my payments later ( XX/XX/2023 ). 

Despite receiving a confirmation email confirming I was no longer enrolled in autopayment, Nelnet still withdrew from the old bank account on XX/XX/XXXX, XXXX me to be overdrawn. I have not used that account in years. 

When I try to get in touch with Nelnet, I face incredible wait times. In fact, I am typing this message while on hold with Nelnet. I've been on hold for 4 hours now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/2023 EXPERIAN XXXX XXXX XXXX XXXX , TX XXXX To whom it may concern, I have viewed a copy of my most recent consumer report and have found accounts reporting in error. 
LIST OF ACCOUNTS WITH LATE PAYMENTS : XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX  XXXX account # XXXX As a credit reporting agency you have assumed a vital role and are obligated to report the most accurate and up to date information. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Please re-investigate and send me proof that these accounts are in fact late. If you can not provide me proof that the payment on these/this accounts/account were late then according to the FCRA these late payments must be updated to paid as agreed I am aware that you have 30 days to complete your investigation. Please send me an updated copy of my consumer report reflecting the changes made. 
Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: TX

Complaint narrative:
This letter is written to address issues with the accuracy of information in a recent credit report. A thorough examination of the report revealed several contradictions that demand further investigation.

I am knowledgeable about the specifics of the Fair Credit Reporting Act because I practice careful consumer behavior. This law enables individuals to challenge and request changes to any inaccurate information on their credit reports.

Due to familiarity with the Fair Trade Commission 's ( FTC ) guidelines, these errors in the credit report raise concerns. These errors are a chance for me to verify what I know about how credit reporting functions and, more importantly, how effective the laws that control it are, even though I didn't anticipate them. 

I am aware that consumers have the right to contest the veracity of their credit reports under the Fair Credit Reporting Act. The FTC is responsible for enforcing this federal law, which has safeguards to protect our interests and ensure that information about credit is presented accurately and fairly. 

I'm currently making use of this right to challenge the FCRA violations because these problems demand further investigation. Given that it improves their capacity to monitor and maintain their financial health, this law is extremely valuable to consumers. 

I'm hoping for a satisfactory and swift resolution in accordance with these regulations in light of this. Not only will prompt action be advantageous, but it will also highlight the significance and value of these consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is written to address issues with the accuracy of information in a recent credit report. A thorough examination of the report revealed several contradictions that demand further investigation. 

I am knowledgeable about the specifics of the Fair Credit Reporting Act because I practice careful consumer behavior. This law enables individuals to challenge and request changes to any inaccurate information on their credit reports. 

Due to familiarity with the Fair Trade Commission 's ( FTC ) guidelines, these errors in the credit report raise concerns. These errors are a chance for me to verify what I know about how credit reporting functions and, more importantly, how effective the laws that control it are, even though I didn't anticipate them. 

I am aware that consumers have the right to contest the veracity of their credit reports under the Fair Credit Reporting Act. The FTC is responsible for enforcing this federal law, which has safeguards to protect our interests and ensure that information about credit is presented accurately and fairly. 

I'm currently making use of this right to challenge the FCRA violations because these problems demand further investigation. Given that it improves their capacity to monitor and maintain their financial health, this law is extremely valuable to consumers. 

I'm hoping for a satisfactory and swift resolution in accordance with these regulations in light of this. Not only will prompt action be advantageous, but it will also highlight the significance and value of these consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Multiple dates and amounts with my Wells Fargo account being insufficient due to my balance not properly being reflected. Multiple returned payments, late fees and overdraft fees made even though money was available at the time of transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: NY

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 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 explanation
Consumer complaint received 2023-10-23 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: NY

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 Account 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 2023-10-23 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: DC

Complaint narrative:
XXXX XXXX XXXX did an unauthorized credit check on my TransUnion report. This Account XXXX XXXX is unrecognized by me. It's fraud, I don't have no account or did any online credit application. 

This matter needs to be addressed right away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I couldnt complete transactions it started that connectivity prombems to try again I didthen tried reaching out to company to figure out what was going on then found out there was a outage or glitch so I tried to explain to them that I had pending transaction due to glitch. On one of those transactions, finally two of the transactions were successful to my XXXX XXXX, but the previous transactions were still pending, and then, when they fix the problem, they started approving some of the pending transactions which the first transactions did not go through so I did not think they would charge me for anything but one of the transactions the next day went through I tried to give them documents and screenshots but they gave me two answers on why it was on my part my fault I reached out to them through email and I also get emails and text messages on the transactions I make, and I also got a statement from the other company, XXXX XXXX stating the time and they pulled out that money because cash app said that they forced a payment which their payment was before their glitch was fixed and when they took out the money I had cash app overdraft usually when you dont have money you cant take out money so I need to talk to somebody that besides cash app could investigate them because its been a while now and I still havent been able to talk anybody that would at least look at my side of the story and my documents and screenshots that I have

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2022 I discharged the following accounts Capital One ( XXXX ), ( XXXX ) I requested that Capital One accept my form of payment and requested that the tender may not be rejected, stopped or refused without discharge of the obligation to the extent of the amount of the tender pursuant to ( XXXX XXXX XXXXXXXX ) ( from XXXX. XXXX, par. XXXX ) Tender of payment & VA XXXX XXXX, said tender and discharge being 100 % as full satisfaction. Capital One has a civil right to refuse the tender of payment ; If tender is refused, there being discharge, Capital One has no permission to contact the XXXX XXXX XXXX. Attempting to coerce payment of a discharged debt is extortion. Subsequent correspondence, bills, invoices and notices, incur mandatory fees. 

XXXX closed my account without any written notice or explanation and continuous send me communications via email to collect on the debt they have sold to a collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: FL

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: OH

Complaint narrative:
I completely disagree with the total of eligible payments made listed on my account w MOHELA. I understand XXXX ( which I am enrolled ) require XXXX payments for forgiveness. 
According to my own records, and an email from MOHELA my payments began in XX/XX/XXXX, and no month was ever skipped even during XXXX. 
Date Loan servicer Total payments XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX fed loans XXXX XXXX ( Current ) MOHELA XXXX TOTAL TO DATE XXXX MOHELA XXXX XXXX XXXX XXXX XXXX This is a problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation