vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-19 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have try to find a common ground on a dispute with XXXX and also requested on reinvestigation with XXXX and got to the point where they don't respond and haven't since the last 60 days from 2 past disputes numerous disputes have been submitted for this account with no compliance with FCRA requirements. On XX/XX/2022 I sent Barclays a 1099C and they never responded as well. At this point I'm not getting any answers from XXXX nor BARCLAYS BANK DELAWARE. I have sent the attached supporting documents demanding to delete this account since they have not answered back at all with timely fashion correspondence. Please remove this account from my XXXX consumer 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 2023-11-19 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: PA

Complaint narrative:
Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

Account name XXXX  XXXX XXXX XXXX XXXX Account number Last XXXX XXXX The following inquiries are fraudulent. 

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 non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: AK

Complaint narrative:
I was informed via email a few years ago that my loan from Great Lakes was not able to be paid on - due to the fact that they were transferring all of their loans to Nelnet. 

After several months of not hearing any further information ( or having a way to make payments to the company ) I received an email from Nelnet stating that I would need to start paying on my loan again. 
Nellnet was unable to provide me with any information or records about my original loan amount from Great Lakes. I do not recall the exact amount of the loan from Great Lakes, however, I DO know that it was not this substantially high amount that Nellnet is asking me to pay. 
Due to the fact that I had no option to make a payment for several months while the loan was being transferred to a new company, I disagree that I should have to pay any interest accrued in that time. 
I also believe that Nelnet should be able to provide me with accurate records from Great Lakes- which they have not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Upon receiving a free copy of my credit report I noticed a few accounts that were inaccurately reporting.. I disputed the information back in XXXX and all XXXX did was put a notice of dispute and the inaccurate account continued to report. The account type says a collection account but the account status says open. This is inaccurate reporting because a collection account can NOT be open.

This is a violation of 15 USC 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX store does not help if your identity gets stolen or misused. i asked for information on this fraudulent account that was opened in my name and they failed to provide me any info and did not take any action to resolve my issue now this is affecting my credit score for something i did not acquire. i would never get a XXXX card either way even if they offered it to me.

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 2023-11-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX Account XXXX XXXXXXXX, has violated 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 a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 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: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I applied for a credit card with American Express credit card company. They ran two separate hard hit inquiries without my consent. I understand when you apply for a credit card and complete the process. The company would run 1 inquiry in which I agreed upon. This company ran two and this has effected my credit score and it dropped XXXX points. This company dragged their feet on reporting to all 3 credit reporting agencies in regards to my new account established with American Express. I had to call and make a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
My name is XXXX XXXX and Im a customer with Chime banking. XXXX beginning of 2023 someone I knew hacked my bank account out of malice. I went to the bank and had to send multiple pieces of information to prove who I was so I can simply log into my account that I was now locked out of. I filed a dispute for charges that were made while I didnt have access to the account and multiple times my dispute was denied. Even though I had multiple pieces of proof that I was not in my account and didnt authorize the transaction Chime still made the situation unbearable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: AE

Complaint narrative:
My husband and I are XXXX XXXX XXXX XXXX XXXX members stationed aborad in western XXXX. On or around XXXX XX/XX/2023, we attended a XXXX concert in XXXX, XXXX. In the next couple weeks, we noticed many fraudulent charges made from a XXXX XXXX or XXXX XXXX account in XXXX and the XXXX. My husband and I do not use XXXX XXXX or XXXX XXXX, and we did not make any credit card purchases the night of the concert. We believe our card was cloned or scanned from our pocket/purse. We did not make any of these charges. On XXXX XXXX, I submitted a fraud review with Chase and as of today ( XXXX XXXX ), Chase has claimed we are responsible for these charges because we received " benefits '' for them. I don't want the benefits from the fraudulent charges. Chase never removed them from my account during their investigation. I used them recently to pay down my balance, but I did not charge these fraudulent charges. This is crazy and very distressing. How do we resolve this? It is a very large number of charges.We have never been to XXXX, and while we have been to the XXXX, we haven't been there since June. Please help. This {$10000.00} that we did not charge to our Chase card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Ive been using synchrony bank for a mattress firm account for almost 2 years. They do not take the payments owed to them within a reasonable amount of time. They wait 7-10 business days to pull debts owed to them from either an auto pay or paying through their automated payment system. This has cause my bank to decline payments causing me to be late. My original payment amount to them is XXXX a month. I pay XXXX to pay the debt faster. Due to their predatory payment processing policies its caused me to be late 3-4 times. The company did a random account review and has now decided to close my account. Ive called and spoke with their sr account manager XXXX. No one at this company can give me any answers or tell me anything other than Im still required to pay the debts owed the banks finance team can close any account at their discretion the finance team does not have a number for you to speak with anyone that made that decision all calls with the company are recorded.

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 2023-11-19 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: American Credit Acceptance, LLC
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 o 2 states. I have the right to privacy 15 USC 1681 section 6 O 4 a section 2. 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 late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: GA

Complaint narrative:
In recently looking at my credit profile, I noticed there were inquiries on my report that was not done by me. Either the inquiries are fraudulent or attached to the wrong credit file. 

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 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 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 2023-11-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX Account XXXX XXXX, has violated 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 a account without my written instructions.

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 2023-11-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX Account XXXX XXXXXXXX, has violated 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 a account without my written instructions.

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 2023-11-19 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I was charged {$50.00} by XXXX XXXX XXXX. I immediately marked the transaction as fraudulent since I have credit card alerts on all my cards and I did not make a {$50.00} transaction recently. I figured the credit card company would resolve everything after. 

Two weeks later, I receive a call asking why I disputed and I said that I did not know where that charge was and that it was fraudulent. 

Three weeks after that, I received ANOTHER {$50.00} charge from XXXX XXXX XXXX 
I called Wells Fargo ( who handles XXXX ), and they said that the {$50.00} charge is from the company who handles my rent but that XXXX automatically removes the charge since their whole business is to use a credit card to handle rent. 
*They said that these charges should be removed and that I should wait* I have waited, and the two transactions totaling {$100.00} are still in my statement and I had to pay them off. 

XXXX has also conveniently WIPED my transaction history, so I am no longer able to see the previous charges. 

In summary, I would like {$100.00} in fraudulent charges back which were not handled on the XXXX side.

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 2023-11-19 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: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I use Aidvantage. On the online portal, the information provided indicates that if I use autopay, then the " amount due '' always displays as {$0.00}. I set up autopay for my loan in the weeks before payments resumed in XX/XX/2023. However, Aidvantage did not autopay my loan for either XX/XX/2023 or XX/XX/2023 ( my monthly due date is on the XXXX of each month ). 

I have tried calling the Aidvantage customer service line on two occasions over the past 2 months, but I am never able to speak to someone even after being on hold for upwards of 20 minutes. I do not want to make manual payments and then have Aidvantage take another month of payments from autopay, and even though I set up autopay I am still being charged interest on two monthly payments that were supposed to be applied but never were. I get a benefit of a slightly lower interest rate for autopay that I do not want to lose. 

Combining this with Aidvantage not picking up the phone and displaying my loan as being up to date on payments, even though Aidvantage is not charging me, makes me extremely worried about compounding interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: GA

Complaint narrative:
In recently looking at my credit profile, I noticed there were inquiries on my report that was not done by me. Either the inquiries are fraudulent or attached to the wrong credit file. 

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 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 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 2023-11-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In recently looking at my credit profile, I noticed there were inquiries on my report that was not done by me. Either the inquiries are fraudulent or attached to the wrong credit file. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MI

Complaint narrative:
My entire life I only studied and took student loans for two colleges, and the two colleges are XXXX XXXX XXXX College District  ( XXXXCD ) and XXXX XXXX University  ( XXXXU ). I studied and took student loans for no other college in my entire life. All of my student loans are either currently in deferment or forbearance status. I have several student loans over several semesters between the two colleges that are bundled together ; then come along this lone student loan as an outlier. I only signed up for government aid and not private student loans. I suspect this student loan was made out of fraudulent activity. This is not my obligation. 

This student loan is from XXXX  Federal Perkins Loan Servicer with a principle amount of {$3000.00} and a current balance of {$3600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this information from my credit report. Thank you.

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 2023-11-19 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Hello! 

I've been in contact with Bank of America XXXX XXXX XXXX, but they refuse to close my account. 

I received a secure message from them that states : " Please note that we received your request to close your account ending in XXXX '' That message also included what other details they need to close the account : * my account number ( which they confirmed they have ) * my address ( which they confirmed they have ) * confirmation from me that I do want to close the account ( which they received, via secure message ) They HAVE received this information from me, yet they refuse to proceed with closing the account. 

Please help me close this account. 


Thank you, 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 monetary relief