vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Someone applied for a XXXXXXXX XXXX in my name using my personal info. I froze my credit reports and notified XXXX. XXXX has said they are pulling the application. I believe this is from the BoA data breach which included names, SS # s, DL # s, birth dates, income, employment, addresses, etc.

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 2023-10-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I requested a loan payoff amount from Wells Fargo for my mortgage roughly XXXX dollars. 
Once I received the pay off amount I endorsed the coupon for the complete amount of my mortgage. By certified mail I sent off the endorsed coupon along with instructions for the CFO to respond in writing that he completed his portion of the endorsement process. Also if he did not perform his fiduciary duties for this account, the reasons should be given in writing. This packet was sent off XX/XX/2023 The company responded XX/XX/2023 in writing by sending a copy of the mortgage with no reason stated as to why the CFO duties were not completed for the account. 
A second letter was sent off by certified mail including : an endorsed coupon for the amount of the monthly payment of XXXX, instructions titled Tender of payment/Opportunity to cure. No response was received by me from the company explaining the total loan pay off, so I began sending in the monthly coupon endorsed and perfected. The company replied with the same packet that was sent to me at first ( XXXX response ), completely ignoring the instructions. The second reply was received XXXX XXXX. 
On XX/XX/2023 a third packet was sent to the company with instructions for the CFO to complete his fiduciary duties connected to my account. The instructions titled Tender of Payment/default notice and an endorsed coupon for the monthly amount of XXXX. 
I received a third erroneous response dated XX/XX/2023 with much of the same information as the two previous packets sent to the CFO. A forth packet was sent off titled Tender of payment/2nd default notice along with the monthly endorsed coupon directed towards the CFO requesting same as before. This time I included : Federal Reserve Act Section 16 and 29, UCC 3-603, 12 USC 1431 , 15 USC 1681 ( n ), 18 USC 8 and the statement a contract must be equitable to both parties. 
XX/XX/2023 I received a response stating they have refused my tender of payment and all future similar items will not be accepted and we will not respond to matters of the nature in the future.

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: W&A Intermediate Co., LLC
State: CO

Complaint narrative:
Was made aware of collection accounts with Wakefield and Associates when purchasing a house. One collection account was medical ( which was paid in full ) and the other was for a car. The car purchased was returned to the dealership due to many issues involving the work culture at the dealership and mishandled paperwork. They agreed to take the car back and the deal was closed with no further payments. Then this loan appeared on my credit report with Wakefield. I agreed to make payments of {$50.00} in order to continue the purchase of my home, for 2 years i made payments and not one payment was reflected on the balance. When I asked for payment history and expected payoff date, they stated their company does not provide that. They would not provide me with any information regarding my payment history or balance. In XX/XX/2023 they called and asked if I would like to continue payments. I asked for payment history and balance payoff again and they would not provide anything helpful in that area. They then stated that the credit beruea was dropping the case and had no explanation as to what that exactly means.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I report this Fraud information to my bank Navy Federal Credit Union XXXX XX/XX/2023 that my funds from my checking and saving account has been fraud /scam for a total of {$14000.00} with not of my knowledge or my consent. I do not know any of these person and never heard of them. I went down to the Navy Federal Credit Unit in personal with my bank statement and show them what had happen that somebody had tamper in my checking and saving account. They took down the info what had happen and told me to wait 15 days for the there security team investigation this situation. I received a reply from security investigation on XXXX XX/XX/2023 and they said that concluded that no error occurred base on account activity and I was full responsible for the full amount of the claim {$14.00}, XXXX. I request a Security Appeal and the second request said the same thing as the first one did. I did not work for this amount of funds for somebody just wipe by funds clean off by bank account. My funds is not safe and security at this bank facility. I still don't agree on there investigation process because they did not give me in full detail what I request. My family is in a hardship stage because they refuse to give me any compensate for the pain my family is going through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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:
There are collections on my credit report that were 1000 % not done by me. So here is the order I followed. 

1. I obtained my credit report from XXXX. Once I identified fraudulent items I sent letters over 35 days ago certified to all of the collection agencies to remove them. 

2. When I got no response by doing that I submitted a case to https : //www.identitytheft.gov/ and provided the case number with my previous cfpb submissions as well as screenshots of the fraud on my report. 

ID FOR COMPLAINT SENT TO EQUIFAX CREDIT BUREAU XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX AGENCY XXXX ID FOR COMPLAINT SENT TO XXXXXXXX XXXX XXXX XXXXXXXX I also called all 3 credit agencies directly to get no where. 

To this day close to 40 days later and the fraud items have not been removed!!! 
Federal law for consumer protection as well as timelines have not been followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
Over a 10 year period of time I have accumulated XXXX in reward points. 
Company says you can redeem for account credit. I called go have it applied to my account and was told I can only use it to buy a car or go on a trip or out to eat or have repairs done at GM. 
This is a scam. I am old I do not need a car I do not eat out due to covid and i dont travel. 
This is a bold lie to get you to get this card and use it. I would like my rewards paid to my account like they say.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: OR

Complaint narrative:
*** As Stated on my FTC - Identity Theft Report **** List of Fraudulent Inquiries on Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: NY

Complaint narrative:
These accounts have incorrect information with late payments, please verify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These accounts have incorrect information with late payments, please verify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: MI

Complaint narrative:
XXXX account # XXXX is in violation of my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within 30 days

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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America discontinued a credit card program and re-issued me a new card with their new program. I called to request a replacement card because I misplaced the one they sent. Instead of simply replacing the card, they closed the account for fraud in error. I never reported fraud. The account closure was an error on their end. 

Subsequently they stopped my online access, ceased sending emailed or mailed statements, kept accepting recurring charges and in all the hours I spent on the phone with them they never mentioned a balance on the account, and began reporting late payments. 

I have paid the balance and asked them to remove the late payment reports that appeared on my credit reports from the 3 major companies. They removed one, but to date have not removed the XX/XX/23 report. 

They refuse to remove the block from the account and instead insist that I reapply for a new credit card account at a much higher interest rate despite an excellent payment history and a 23 year history with the credit card.

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 2023-10-12 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: MI

Complaint narrative:
XXXX  account # XXXX is in violation of my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within 30 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
Received letter dated XX/XX/XXXX regarding debt. 
XX/XX/XXXX - Mailed letter back asked for evidence the debt was already taken into consideration both medical insurances.XXXX - XXXX left someone else a message about the debt I owed. The message said " If your not XXXX hang up '' but no message should have been left about an attempt to collect a debt. 
XX/XX/XXXX - the person left a message for XXXX that it was not allowed for this type of message to be left. 
XX/XX/XXXX - XXXX called this person back. The person explained he can not contact them again and should never be leaving a message that he is attempting to collect someone else 's debt on voicemail. 
XX/XX/XXXX - Date on letter was XX/XX/XXXX ( this one marked confidential ) stating XXXX was unsure if insurance was used and to send additional details to research. 
XX/XX/XXXX - Date on letter was XX/XX/XXXX ( again marked confidential but first letter was not ) and provided evidence both insurance were used. The detail provided also indicates HIPPA information of " basic life support emergent and ground mileage '' XXXX - Debt was paid online with reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CT

Complaint narrative:
I have had student loans through Great Lakes since XXXX. In XX/XX/XXXX I received several emails from Great Lakes and " Nelnet '' that my loans will be transferred to Nelnet and that I will need to create a new account with Nelnet in order to begin making payments ( after the COVID-19 pause ). 

I have been unable to create an account to make payments through Nelnet which are now due in a week ( XX/XX/XXXX ). I HAVE BEEN TRYING TO CREATE AN ACCOUNT SINCE XX/XX/XXXX. 

Their website can't locate my information in order to create an account. I've tried on several different computers and devices ( per suggestions from the thousands of others having the same ordeal ). 

No one at Nelnet picks up their phone after being on an automated hold for 2+ hours. 

Their " Live Chat '' help is unmonitored and goes no where. 

Emails do not get returned. 

How is it possible or even legal for my federal student loans to automatically be transferred to a FOR PROFIT PRIVATE COMPANY which I have no choice or options in. 

I am unable to get into this website in order to pay my student loans or even gather *any* information about them. This seems criminal. 
I will now likely be penalized for a private company 's inability to perform their function, due to their shoddy website and " customer service, '' of which there isn't any. 

What are we lendees expected to do here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On XX/XX/2023, I requested a change to my repayment plan for my student loans with Nelnet. I requested a graduated repayment plan and received confirmation via email that it would be implemented within 7-10 business days. Nothing has changed with my account since then ( over a month ). I have tried several times to contact them via telephone ( with multiple hours of being on hold before being disconnected ) and via email with zero responses. Today I have been on hold on their help line for over an hour and a half with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have my Amazon store credit card set to autopay my statement balance each month to avoid interest fees. I recently received email marketing from amazon recommending to me to shut off my autopay to take advantage of promotional financing. The email is worded in a way that suggests I've done something wrong and am not getting the best deal by using autopay and paying off my statement balance each month. This is misleading advertising that encourages consumers to grow credit card debt under the guise of a missed opportunity. If I need financing options, I will seek them out. Credit card companies should not be making financing recommendations as they have a clear interest in giving poor advice.

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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
There was a lawsuit with capital one for data breach and I wasnt properly notified at all I was never contacted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX Account number XXXX, Still shows on my account with a balance and balance was paid in full in XXXXXXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX Account number XXXX, Still shows on my account with a balance and balance was paid in full in XXXX Of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: 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  Account XXXX Account Name : XXXX Account NumberXXXX 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 non-monetary relief
Consumer complaint received 2023-10-12 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: 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  Account Number:XXXX Account Name : XXXX Account NumberXXXX 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