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

Complaint narrative:
I paid off my student loans in full on XX/XX/XXXX. The payment processed on XX/XX/XXXX. I realized that I accidentally overpaid by {$10000.00}, because the payoff calculator on Nelnet 's website I used to determine my final payment didn't take into account a payment I had pending. I emailed XXXX on XX/XX/XXXX and XX/XX/XXXX requesting help and provided my loan number and details about my case and got no reply. I used the website customer service form on XX/XX/XXXX to request assistance and got an automated reply asking me to call the hotline on XXXX. On XX/XX/XXXX, I received an email in response to something ( I'm not sure what ) asking me to explain my situation if my issue hadn't been resolved, which I did, and received zero response. I called Nelnet repeatedly the week I made the payment, and finally spoke to a customer service representative within a week of making the payment. I was on hold for at least an hour before speaking to the rep. That representative told me he would escalate my issue to management. I received no follow up. I called again in XXXX and spoke to a billing agent, who told me refunds take 4-8 weeks, which is totally unacceptable. I told her I can't wait months to be refunded {$10000.00}, and she told me there's nothing that can be done about it. It's been approximately 8 weeks and I haven't heard anything about my refund -- Nelnet should not be allowed to keep refunds for months!

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 — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened this account in XXXX, I was never able to use the mobile banking feature so I constantly called them everyday to try and get this issue resolved. I was never able to get them to fix that problem even right now as of today. So I gave up on getting it fixed, i had to call the number on back of the card to hear my balances or if I wanted to transfer funds out of one account to another. It became exhausting and frustrating. I reach out to customer service and I let them know that if this problem doesnt get fixed that I am going to close my account sometime soon if this problem continue to make my life miserable, I told the representative that I will step into a branch when I decide to close the account, so that I can withdraw the money I had available to me at that time. XXXX days later I am trying to make a purchase with my debit card and its repeatedly being declined, when I call now Im getting transferred to the fraud department to confirm transactions, after confirming all the transactions my debit card still doesnt work. One of the reb explains to me my accounts are being closed and that the bank has chose to end the relationship, I then ask when will I receive the funds out of the account, I keep being told that I will receive a letter in the mail explaining more information. I still have not received any letter m, the accounts are not closed, and I still have not received my money from either checking & saving account I have with this bank

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: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I had my card with Ollo, which was bought out by Ally Bank. My Available credit was {$1600.00} with Ollo and Ally kept it at {$1600.00}. I made my payments on time every month and made a purchase over {$400.00} in XXXX, still making all payments on time. In XXXX for unknown reasons Ally reduced my {$1600.00} credit availability down to {$600.00}. Without notice, this in turn made the {$400.00} left from the XXXX purchase equal over 50 % of my available credit on the card. If they would have told me this was going to happen I would have never made the purchase with this card. I never missed a payment or was late on payments, there was not change to my credit report or negative action that would have caused this. 
Due to this my credit utilization is over 50 % of the credit on the card which lowered my credit score. 
Ally bank has several ways to reach me : mail, email, in account messaging, text message, phone call, they did not send one single correspondent to let me know they were going to lower my available credit nor have they responded to my inquiry as to why they did this. I was able to get a rep on the phone and she could not find out why they did this but was able to find out the day they did it which was XX/XX/. She also stated She does not see any actions on my account that would cause a decrease and of this magnitude. 
This is not how consumers should be treated, I have never had a bank do this to me. Nor can it possibly be an acceptable practice by law. Please let me know what can be done to rectify this situation.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

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 Account Name : XXXX XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is 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 2023-11-03 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: NC

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

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 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: GA

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 XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or 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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

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 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

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 explanation
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The lease is for an XXXX and issue is at end of lease last payment of {$310.00}. At the end of the 36 month lease I turned the car to XXXX XXXX  XXXX XXXX XXXX XXXX is also a XXXX dealer. On XX/XX/XXXX XXXX XXXX sent the last payment for XXXX XXXX XXXX for my last month lease paymentto XXXX. XXXX case check was cashed on XX/XX/XXXX by XXXX. On XX/XX/XXXX my lease paymnet was sent to XXXX because it was on auto pay so the payment also went thru. Therefore the last payment was paid twice but XXXX does not show both payments received. Since then I have spoken to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX attempting to have them look for the XXXX last payments ( that means XXXX extra payment was sent to XXXX ). No matter how many times I sent a copy of both checks, XXXX did not find it and finally sent me to a collection agency. 

XXXX collection agencies have contacted me on this alledged debt. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( I understand that is illegal for XXXX companies collecting on the same debt. 

XXXX XXXX XXXX I have sent them the copies of both check via certified mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX the only thing I get back from them is a copy of the lease and a statement that shows XXXX balance due yet they still want to collect {$310.00} My credit score is being affected because XXXX is showimg me as over 24 months late.

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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is 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 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 status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX 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 2023-11-03 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: TN

Complaint narrative:
Equifax Data Breach Settlement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As i have been a victim of the Equifax Data Breach and identity theft please refer to CFPB Complaints submitted XXXX XXXX XXXX XXXX  I have attached complaints, Claims sent, and proof of package sent to Equifax Data Breach Settlement, cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As I plan to seek litigation as this has gone on too long without resolution as this is my final attempt as a declaration

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 — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had deposited my amended tax return check that was over XXXX. I understand that there needed to be a hold on it, thats fine. Then, they froze my account. I went through multiple phone calls, multiple people, had to go to the branch multiple times. I finally got that fixed. They tell me that my check would not be released until today. Still is not released. This is ridiculous. This is what is keeping me from being homeless. I will try to call AGAIN, go to the bank, AGAIN. I have never had an account frozen or anything before because of a treasury check, yet alone have I ever had a bank withhold funds like this.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 Account Name : XXXX XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 non-monetary relief
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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, Please see below and attached. 

There are wrong addresses that are on my file and report that are incorrect and need to be removed immediately. 

Attached are : - complaint letter showing wrong addresses with screen shots on my report - drivers license - social security card - proof of address remove these wrong addresses at once.

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: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We were married in a wedding venue. There was a lot of confusion because there was a lot of turnover. We did not agree with the final charges and the contract they sent over. We did not sign or agree to the final charges. We made the company aware of this in writing. We contacted the corporate office additionally. They then charged our debit card in the total of XXXX in three separate charges. It seems as if they were trying to see as much money as they could get out. We filled a claim with our bank. They approved one claim then denied another. When we called in they said that the venue was admitting that some of the charges were not authorized because there were major issues and services not rendered. We informed Chase Bank that there was no signed contract or credit card authorization form submitted on our behalf. They used our debit card to charge XXXX without our consent.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is 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 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: EQUIFAX, INC.
State: TX

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 explanation