vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Today, XX/XX/2023 at XXXX and XXXX, I received two voicemail messages from XXXX in the Executive Office at WellsFargo requesting a call back regarding the reporting of my credit card on XXXX that has not been deleted and funds never refunded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Lending Services LLC
State: GA

Complaint narrative:
I was in a total accident the other insurance paid of the quote for the quad is completely paid off I owe nothing on this account has been closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: NC

Complaint narrative:
My name is XXXX XXXX Then this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
As a frequent shopper at tj maxx I was used to them asking me to apply for their credit card but I always declined. Then one day they started peer pressuring me into signing up I got to putting in my social security when I expressed I was uncomfortable with opening a new line of credit and wanted to back out. Not long after I got a notification that they did a hard inquiry on my account for a card application I never thought couldve went through so I want that taken off I never gave my consent to send that through.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: PRESTIGE FINANCIAL SERVICES INC
State: CO

Complaint narrative:
XX/XX/2023 car payment is showing XXXX days late on my credit report. I checked my account and I paid {$480.00} on XX/XX/XXXX and {$480.00} on XX/XX/XXXX. I have never been late since I have had an auto loan with Prestige. This is reporting inaccurately and I am requesting this payment be changed to Current, as I have been on Auto Pay since XXXX to ensure payments are made promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: NJ

Complaint narrative:
these account are incorrect plese remove 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 non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Volvo Car Financial Services U.S., LLC
State: FL

Complaint narrative:
My XXXX Volvo lease was coming due in XX/XX/23. I contacted different dealerships looking for the best deal. Which was no money down, take in my current Volvo XXXX as is for a trade, XXXX XXXX miles a month, tinted windows and have my payment as close to the current monthly payment amount as possible. Two Of Volvo dealerships were able to offer that deal, however they did not have all XXXX XXXX  XXXX. I saw XXXX XXXX cars of XXXX XXXX had XXXX XXXX me and girlfriend XXXX called new car sales manager XXXX XXXX XXXX him on the speaker. Told him what deal we were looking for and what we have for him as a trade. We were very specific and told him that we have two other dealerships that are offering us the deal. We asked him if he was able to match it. He asked us to send him mileage of my XXXX and VIN number. A few moments later we got a text message saying they got some good news-XXXX  will do the deal! We called XXXX again asked him to email us to confirm it. He told us he was a man of his word and will do the deal as he promised. I scheduled to pick the car on Saturday XX/XX/23 XXXX. I arrived at XXXX met with my sales man XXXX XXXX I asked if he needed to see my car and test drive and look at tear and wear he said no. Shortly I went to sign my new lease papers with XXXX. XXXX XXXX and asked if I could get some paperwork from him saying that they are taking my car as trade and that I wont get any bills or invoices from XXXX XXXX. He said not to worry everything is taken care off and I can contact him or XXXX Monday and he will email me what I need. I reviewed the paperwork again in the car and noticed I did not see any XXXX per lease term listed. Went back and spoke to XXXX XXXX said it was XXXX a year. I asked him to call XXXX and fix it. He did. Called XXXX XXXX Tuesday asking for XXXX trade in papers he said he didn't take it as trade and never said he would. We told him we were very upset of his lies and deceit and will speak to someone else. 
Couple weeks later I received the invoice from XXXX XXXX for wear and tear of {$440.00}. Mailed it to the dealership, also emailed to XXXX, XXXX XXXX. No Response. Filed the complaint with Volvo corporate. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached 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 non-monetary relief
Consumer complaint received 2023-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hi. I was a victim of an armed robbery and assault on XX/XX/XXXX. The incident followed a series of fraud in using my credit cards and accounts, including my US Bank cards. I received a text notification the same day ( screenshot attached ) of a fraud attempt. A police report has been filed and a detective was assigned. The case has since been closed despite my efforts compiling information, so I am trying to reopen then case with your assistance in gathering additional transactional information. A few days after the incident, I had called US Bank and was able to gather the following information on a transaction from one of my cards : XXXX XXXX XXXX XXXX, Merchant Number : XXXX. The detective was able to get in contact with the vendor to review camera footage, but not much has come out of that. I did email the fraud team ( XXXX ) this XXXX XXXX, XXXX regarding a request for additional information, but have not received a response since. In a related complaint with another credit card company, I also received a text notification and requested transaction information. In doing that, I was able to uncover a number of additional transactions that did not appear on my statements. So, I am hoping I can request all credit card transactions from XX/XX/XXXX and shortly after, especially if there were transactions that did not appear on my statements. I've also included an FTC report with information on the person who was with me. The listed address in that document matched a transaction on my other credit card transaction report, so this information is likely to reappear should US Bank have additional transactional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: NC

Complaint narrative:
In XXXX of this year, I made a dispute with XXXX about my discover credit card since my increased limit did not reflect on my report. Instead of reflecting the correct limit, discover deleted the account off of my XXXX credit report. I've tried to get this resolved 3 separate things or an explanation for why this happened. I still use this card and have an open account. Also, discover still reports to the other 2 agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX sold the debt to XXXX XXXX. Earlier this year, it was removed from my credit report until A few months ago, P & B CAPITAL GROUP LLC now has charge of the debit and placed it in the collection on my XXXX Report without any notification. The debt was bought by XXXX, not this new company had been discharged, and was now picked up by someone else without notice to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: WA

Complaint narrative:
The following credit inquiries were not authorized on my credit report and I want them deleted. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Marcus by Goldman Sachs force closed my account for no given reason. Many people are complaining online about the same behavior from Marcus by Goldman Sachs. There is approximately {$2000.00} in my account but I am unsure of the exact account balance. They have not sent my money back after repeatedly stating that they will. They told me the money would be returned in 1-3 business days and that was a week and a half ago. They have locked me out of the account and are refusing to send the money back or provide the statements for 2023. I requested the funds returned to my XXXX XXXX XXXX account which was the source of the funds. They have also refused access to my online statements needed to verify the exact amount of money in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: ID

Complaint narrative:
Edfinancial is my loan servicer. They are purposely not communicating with borrowers. The phone hold times are up to 8 hours. You can request that they call you back and keep your place in line. I've requested that 4 different times. They've called back once, when I picked up, I heard them laugh, then immediately hang up on me. I'm almost a fully XXXX veteran, and I know for a fact I can get a much lower payment. But they won't answer me or help me submit my financial information to get the payment lowered. I've tried to use their chat function, it doesn't work. I've tried calling, they hang up. I've tried emailing, and I get no response. I know I'm eligible for a much lower payment, but I have no recourse to have access to my loan servicer. I've filed a complaint with the Department of Education, but there is nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: McNeil & Meyers Asset Management Group, LLC
State: DE

Complaint narrative:
All 3 bureaus have placed this account on my credit report without my written consent. This account does not belong to me. I have no knowledge of this account. The account that is showing on my report incorrectly is : XXXX XXXX XXXX Acct # XXXX in the amount of {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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 2023-09-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
A written request was made that you supply information and documentation to validate a debt. The request was sent via certified mail on XX/XX/2023 and XX/XX/2023. To date I have not received all the documents I requested. According to the Fair Debt Collection Practices Act, 15 U.S. Code 1692g - Validation of debts, the request must be provided within a 30 day period. AS of today XX/XX/2023 those documents have not been provided. The documents listed below were requested and not provided in the 30 day time frame or at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023, I deposited a check via an ATM at Bank of America. I was initially informed that the funds would be available by XX/XX/2023. However, on XX/XX/2023, I received an email from the bank stating that the release of my funds would be delayed until XX/XX/2023. 

To my surprise, on XX/XX/2023, I received a letter ( dated XX/XX/2023 ) from Bank of America notifying me that they were closing my account. The letter did not provide any specific reasons for this action, and when I inquired further, I was only told it was a " business decision. '' I have made multiple attempts to contact Bank of America 's customer support, both over the phone and by visiting a physical branch, but have not received any satisfactory answers or resolutions. This situation has caused significant distress and inconvenience, as the check I deposited was intended to cover my college tuition. Due to the bank 's actions, I have faced numerous challenges in meeting my financial obligations. 

I placed my trust in Bank of America to handle my finances responsibly, and I am deeply disappointed and frustrated by the lack of transparency and support I have received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit 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 non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
XXXX - I requested account closure. XXXX - Login capability and account disappear, no communication from bank. I request clarication via in-app chat. XXXX - Receive email saying account was closed and remaining balance sent via ACH to account on record. I respond advising that the account on record was closed and to send money to my address via check. XXXX - XXXX I send XXXX more emails requesting a response inquiring about my money. XXXX - Receive response saying money will come back to XXXX within a few days since the recipient account was closed and a check will be sent to me. XXXX - I email requesting an update. XXXX - I receive a response that XXXX has my money and will send a check soon. XXXX - I email asking for an update. XXXX I send XXXX more emails asking for an update. XXXX - I am against told a check will be sent out soon, I demand a date since the same thing was said XXXX weeks before. I am told it will be sent " tomorrow. '' XXXX - XXXX - I send XXXX more emails demanding return of my money and conrmation a check was sent to me. To date I do not have my money, nor any apology or explanation for how poorly this has been handled. XXXX is a sham institution and should be shut down. I have interacted with " XXXX '' and " XXXX '', likely pseudonyms, and still do not have my money. On XX/XX/XXXX, after advising the bank complaints had been filed with the Federal Reserve and Office of the Comptroller of Currency, I received another response the time admitting no check was sent XX/XX/XXXX, but claiming it was mailed on XX/XX/XXXX. It is now XX/XX/XXXX and I still do not have my money or an adequate explanation of what is happening. This is theft plain and simple.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19 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: MI

Complaint narrative:
I've been trying to call Nelnet to help with my SAVE plan to see if i can get it lowered. Been on hold for more than an hour multiple times. Trying to log into the website, don't quite remember my username and login info, tried to recovered information using recovery options, never received an email for verification codes to it multiple times. A process which should be easily handled through automated services built into the website. Clearly this isn't the case, unless the site is mucked up on the back end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: DISCOVER BANK
State: OR

Complaint narrative:
On XX/XX/2023 I was scammed out of {$900.00}. {$400.00} cash and {$500.00} on a gift card. A man and his pregnant wife claiming they were from XXXX and their cards werent functioning asked if I would help them by giving them money that they would return to me. In turn they gave me fake jewelry they passed as real gold as a way to ensure I trusted them and after they got the money their phones were disconnected and they made off with my money. Ive contacted the FTC, Attorney General, Local Police and my banks. Im not getting any resolution and Im struggling for money.

Company response to consumer: Closed with explanation