vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-03-27 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:
Nelnet is the service provider for my XXXX XXXX Loan. The loan is under my father 's name XXXX XXXX. XX/XX/XXXX I was charged {$210.00} and XX/XX/XXXX I was charged an additional {$220.00}. While I have autopay set up, I never submitted two payments for the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I hereby formally demand the removal of this erroneous account from my credit report. I did not authorize its creation or utilization. Enclosed are the necessary documents to support my claim.

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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had a Citibank XXXX Credit Card since XXXX or so. I have not used it much in the past few years, and recently saw I was paying an {XXXX} annual fee for it. This fee is not worth it to me, and it is the only transaction on my account in the past XXXX  months or longer. 

I called Citi asking to get this fee refunded and the account closed, and was told that I could transfer my card to a lessor credit card with no fee, and I could get the {XXXX} refunded. It was very hard to get a person on the phone took nearly XXXX minutes to do this. 

Well, i got the new card coming, but the agent who I spoke to never bothered to credit me the {XXXX} back and now I am locked out of my account, it is showing as past due and I cant sign back in since I am waiting on the new card. Overall it has been a horrible experience with Citibank and I just want the {XXXX} removed from my account before they send me to collections for a bogus charge.

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 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX is doing unfair debt collection practices by reporting a debt to my consumer report as a means of coercing me to pay an extension of credit, which is a direct violation of 18 U.S.C.894- Collection of an extension of credit by extortionate means. They have taken adverse action against me with forethought and malice, by attempting to collect knowingly false collections to my consumer report without my lawful authority. This adverse action defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), has negatively impacted my ability to operate in commerce. Congress makes it clear that causing a restraint of trade, pursuant to 15 U.S.C.1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct disclosure of my nonpublic information in accordance to 15 U.S.C. 6801 ( a ) of the XXXX XXXX XXXX XXXX XXXX XXXX has been violated. They have also violated NY XXXX XXXX ( XXXX ). XXXX XXXX XXXX is not licensed to collect debt in XXXX, I will bring this to the attention of the attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: Chime Financial Inc
State: WI

Complaint narrative:
I filed a dispute for XXXX fraudulent transactions totalling {$810.00} after my debit card was stolen. 

Within XXXX hours, chime denied my dispute claiming no error was made.

As these are fraudulent charges it is chimes duty to investigate and credit my account for the fraud. XXXX hours after I submitted my dispute chime denied it. This is not enough time for chime to properly investigate and they are only denying the dispute to not credit my account. 

All XXXX transactions were from a business overseas. It is obvious that they are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XX/XX/2024 Subject : Dispute Request for Account Deletion Due to Lack of Response to CFPB Debt Validation Request Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute the validity of an account listed on my credit report and to request its deletion based on non-compliance with a debt validation request sent through the Consumer Financial Protection Bureau ( CFPB ). 
On XX/XX/2024, I submitted a debt validation request regarding the account [ XXXX XXXX XXXX account # XXXX ] to XXXX XXXX XXXX through the CFPB. As of the date of this letter, I have not received any response or acknowledgment from XXXX XXXX XXXX regarding this request. 
According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), consumers have the right to request validation of a debt from a creditor. Furthermore, failure on the part of the creditor to respond to a debt validation request within a reasonable timeframe can result in the debt being considered invalid. 
Given the lack of response from Receivables XXXX XXXX, I am requesting that the account XXXX XXXX XXXX account # XXXX be promptly deleted from my credit report. The failure of Receivables XXXX XXXX to provide validation of the debt within the stipulated timeframes casts doubt on the accuracy and legitimacy of the reported information. 
I have enclosed copies of the following documents for your reference : XXXX. A copy of the debt validation request submitted to [ creditor 's name ] via the CFPB. 
XXXX. Any relevant correspondence or documentation related to this matter. 
I kindly request that you conduct a thorough investigation into this dispute and take appropriate action to remove the disputed account from my credit report. Additionally, I request that you provide me with a written confirmation once the account has been deleted. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute and the subsequent update to my credit report. 
Sincerely, XXXX XXXX Enclosures : Copy of debt validation request submitted to [ creditor 's name ] via the CFPB Any relevant correspondence or documentation related to this matter.

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 2024-03-26 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Trans Union XXXX XXXX Account names : XXXXXXXX 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  and XXXX  XXXX XXXX XXXX was " NOT DERIVED FROM CREDIT TRANSACTIONS. '' ***** - 15 USC 1681 section 602 A states that I have the right to privacy. -15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my my written instructions. -15 USC 1681 C ( A ) ( 5 ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then seven years. - 15 USC 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 any reasonable cause to believe that the information is inaccurate. ***** XXXX XXXX XXXX  XXXX and XXXX  XXXX XXXX XXXX XXXX " NOT DERIVED FROM CREDIT TRANSACTIONS and is past the 7 year mark on both accounts " *****

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 2024-03-26 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX Equifax Account names : XXXX Auto : 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  and AZ XXXX Child Support was " NOT DERIVED FROM CREDIT TRANSACTIONS. '' ***** - XXXX XXXX XXXX section XXXX A states that I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my my written instructions. XXXX XXXX XXXX C ( A ) ( XXXX ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then XXXX years. - XXXX XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. ***** XXXX XXXX XXXX  XXXX and AZ XXXX XXXX XXXX  XXXX " NOT DERIVED FROM CREDIT TRANSACTIONS and is past the 7 year mark on both accounts " *****

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as of late for any purpose. So please remove any late payment that's reported on my credit report.

The only way a corporation can possibly report a payment as late under 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as of late for any purpose. So please remove any late payment that's reported on my credit report. 

The only way a corporation can possibly report a payment as late under 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

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have not initiated any business or financial transaction with that would warrant such an inquiry. I have carefully reviewed my credit report and am certain that this inquiry is incorrect and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX. XXXX 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  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 2024-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On Friday XX/XX/2024 at approximately XXXX XXXX  I visited the Bank of America located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX. I was attempting to make a large withdrawal, the teller then proceeded to stare at his computer screen for about XXXX minutes. Next, the teller called his supervisor and when she came, she then proceeded to stare at his computer screen for about XXXX minutes. Next, the supervisor told me that she did not have access to the vault and then made a phone call saying that she had to call another bank. I told the supervisor that I understood and that I would be willing to accept a withdrawal in whatever the bank could spare. I asked to withdraw {$1000.00} and then {$500.00} and the supervisor said, " I do not have any money I can give you. '' I then asked for {$100.00}, and the supervisor still said, " I do not have any money I can give you. " All the while witnessing other customers cash their checks right in front of me. I left and went to the XXXX XXXX XXXX location, where I was properly taken care of. I recanted my experience at XXXX XXXX XXXX XXXX with the employees of the XXXX XXXX XXXX location. They were in disbelief that the XXXX XXXX XXXX XXXX location was not able to let me withdraw any cash from any of my accounts with Bank of America. I have been banking with Bank of America for more than XXXX  years and I honestly thought that I would never have to say this, but I feel like I feel that I have been unfairly and poorly treated. This entire situation has been weighing heavily on my mind since it happened, because I feel that if I looked a certain way, then I would have had no issues.

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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/24, I paid the full balance shown on my monthly statement, total of {$26000.00}. This my normal practice, I pay the full balance each month. Not sure if it was my error or the bank 's, but the full amount was paid XXXX, so that a second payment of {$26000.00} was also processed on the same date. I called my payor bank and the credit card ( both Citibank ) on XX/XX/24 to try to stop the payment, but the said they could not stop it on a weekend. On XX/XX/24, I called the credit card ( Citibank ) and requested a refund of XXXX of the XXXX payments. Citibank said it would take XXXX business days. I asked for expedited payment ; they said they would try and get back to me. One XX/XX/24, a Citibank representative called and said the refund would be processed in XXXX business days. On XX/XX/24, I called Citibank again because the refund had not processed. A supervisor named XXXX told me it would still be XXXX business days. I told them that I would be filing a complaint with CFPB if the money was not refunded by XX/XX/24. As of today, I have not received any refund and I have heard nothing more from Citibank. Because Citibank failed to provide a refund, I was unable to pay the full monthly balance on another card ( XXXX XXXX  ) and incurred {$330.00} in interest.

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 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: P&B Capital Group, LLC
State: FL

Complaint narrative:
A collection company by the name P & B Capital Group LLC I have no business dealings any accounts with P & B Capital Group LLC. I want them to cease & assist. Do not contact me or any family members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2024 I endorsed a check from my employer to my Aunt ( XXXX XXXX ) a Chase Bank customer at the time. The check was deposited and placed on hold until XX/XX/XXXX at that time they said the funds would be available. On XX/XX/XXXX we were informed that the funds were not available and that a hold had been placed on the account. I have attempted several times to get my funds but they are requiring me to do a phone verification on a number thats no longer mine but its been attached to my consumer report so that is the number they are using to try to verify my identity. I have spoke with several managers and bankers but have yet to make much progress. This has been going for a month now and I would like to get this settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I asked company for purchase agreement of this alleged debt to show that they owned this debt and could legally collect on it. They provided me with the purchase agreement and it says they brought this on XXXX XXXX. I live in Maryland In Maryland, debts must be collected within a certain time. If you owe money to someone, the person is called a creditor, and what you owe them is called a debt. The creditor generally has 3 years ( 4 years if the debt is owed for the sale of goods ) from the date the debt becomes due to ask the court to order you to pay. A court order to pay a debt is known as a judgment. If the creditor does not go to court within the time limit, then the court generally will not order you to pay the debt. 
Today is XX/XX/2024 which puts the time frame at almost 4 years XX/XX/2024 will make 4 years. The time period to collect on this debt has past according to my state laws.

Company response to consumer: Closed with explanation