vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Credit score dropped more than XXXX points, but my debt actually DECREASED by more than {$500000.00} when student loans were forgiven. This has happened before where my credit score is never accurately reported, nor is there a set formula to explain the drastic dips in credit that takes MONTHS to improve. In the meantime, I'm being offered more services from credit reporting agency. My credit score on all three bureaus should be over XXXX by now. This is predatory and unethical.

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 2023-09-09 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: The CBE Group, Inc.
State: UT

Complaint narrative:
So CBE Group from Iowa, has been repeatedly trying to contact me for months maybe even a year, to the point where they kept changing their number to call me. I advised them to stop all contact since I am in my rights to do so. They didn't stop, so I changed my phone number and that got things to calm down. But recently they began sending postage mail regarding my debt. I told them not to contact me and here they are still contacting me. This is in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I reached out to Nelnet the beginning of XX/XX/2023 for proof of agreement to pay the loans for student loans but they have yet provided me with this information. I also applied for a borrower defense application that still shows on my student aid.gov account as pending but this was done years ago and still no response on the matter. The school I attended XXXX XXXX university has been sued twice and I also attended XXXX university as well which randomly switched over to XXXX University which I feel is not fair as well to say I owe money to a school with a completely different name, leadership team, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo created an unauthorized account that was opened from XXXX  to XXXX using my information and they are refusing to pay the invoice which has all the violation that were broking. I have all of the documents that show what they did as well as the current letters that Wells Fargo continues to be exposed for there terrible practices of being a financial institution. I also I know that all the unauthorized information that was send to the FDIC is also wrong which makes this matter worse. The executive refuse to talk about the matter and continue to try to throw my matter under the bus. I kno for a fact that Wells Fargo is still doing bad buisness and in my matter they have been doing it for along time, I have been dealing with this matter sense XX/XX/XXXX and thru all the pain an suffering they still wont come to and agreement. I have everything in document. Even the executive admitted to the violation her name is XXXX XXXX and I have it documented she was supposed to get back with me but never did. She admitted over the phone that is was a unauthorized account created without my consent. Not to mention there was another party in the account who I didnt even know. XXXX XXXX XXXX Again they are ignoring my matter because they know I have 2 years before the statue of limitations takes place and they are refusing a remedy for their actions This is unlawful as well as unprofessional

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 2023-09-09 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: FL

Complaint narrative:
My credit file has been mixed with my sister for almost 3 years, despite disputes. I have some of her student loans, credit cards, and auto loans on my account with Transunion and XXXX XXXX. In addition, her name and previous addresses come up using my social security number as well which prevents other 3rd party companies from verifying my address, identity, income, etc. 

Most recently, on XX/XX/XXXX I was unable to get a new car insurance policy due to the fact that my rate had gone up by {$670.00} because of a report from XXXX and XXXX that provided the insurance company with my sisters driving history instead of mine.

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 2023-09-09 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:
Based on the Privacy Act of 1974, my personal information stored in records to supply openly has been compromised. 

Transunion is reporting bankruptcies on my credit report and I did not provide consent on any level or medium for them to report my personal and private information. 
I filed a dispute online and it came back within XXXX hours as verified. This information was Transunion is in violation of 15 U.S. Code 1681 - Permissible purposes of consumer reports I have submitted a formal complaint to the U.S. Department of Justice to further investigate XXXX regarding this matter. Next step is to sue! 

I am asking, how is this verified and which neighbor, associate or family member was contacted within XXXX hours to confirm this information as verified? 
I need to attach this information to my file with the Department of Justice as soon as possible.

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
At the offices of Rooms to Go in XXXX Florida, I presented my photo ID to an employee who negligently and inaccurately typed my name into Synchronys system without providing me an opportunity to review the data. Synchrony issued a credit card in the wrong name but, without activating it, my name was corrected upon my complaints to my correct name XXXX. I have never been known by XXXX and this one time stupid irresponsible error must be corrected and DELETED permanently from my XXXX credit report. I have attached a photo of the Rooms To Go credit cards which obviously discloses that the error was discovered and corrected. Notice is given that unless this inaccurate NAME is not permanently deleted from my XXXX and any other credit report within 5 days, I will file a lawsuit in the US District Court for the middle district of Florida for FCRA willful violations naming XXXX, Synchrony Bank, Rooms to Go and others seeking statutory damages of {$1000.00} for each violation plus 9-80 fold punitive damages of between {$9000.00} and {$80000.00} per violation left corrected for every month reported. In addition, I will be filing Demands for Arbitration within the next 5 days for other disputes pursuant to valid arbitration agreements.

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 2023-09-09 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: LEXISNEXIS
State: OK

Complaint narrative:
I have record from the court appearing on my credit report. I've Disputed the item with the Credit Bureaus XXXX XXXX XXXX XXXX in which confirmed the record was VERIFIED by you Lexisnexis XXXX all I'm asking you to please provide the procedure in which you verify records with credit Bureaus as far as my bankruptcy case XXXX XXXX XXXX XXXX XXXX my name, address, and account with case XXXX XXXX will be listed below 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 2023-09-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PLANET HOME LENDING, LLC
State: PA

Complaint narrative:
I am the widow of a XXXX vet and have been tax exempt for at least 15 years. At closing, my mortgage company, Planet Home Lending, charged me XXXX XXXXXXXX for taxes as part of my payoff. The tax collector sent the check back to the mortgage company and now the mortgage company is sitting on my refund. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I repeatedly get calls from this company, which uses several numbers, and I have repeatedly informed them that nobody by the name they are looking for is associated with my number. They still keep calling. Last call was at XXXX this morning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My XXXX XXXX  bankruptcy was paid in full and XXXX in XXXX XXXX XXXX  but still shows as an open bankruptcy now. I have sent all court documentation of this payoff/discharge but they still will not change the status.

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 2023-09-09 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: VA

Complaint narrative:
I have tried to get these accounts remove from Transunion report, they are reporting collection accounts from XXXX XXXX XXXX for {$6100.00} and Portfolio Recovery XX/XX/2018 for {$3000.00} These accounts are FRAUD!!!!! and are not mine. Transunion is govern by 15 USC 1681, they have violated my rights numerous times and I demand that these accounts be removed from my file. They continue to violate the truth in Lending act as well as the fair debt collection practices act.

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 2023-09-09 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have had XXXX XXXX Chase credit card for almost or over 2 years now. 

Order # XXXX Order # XXXX I noticed the option to have a 12 month payment schedule, instead of regular charge, at check out. Companies like XXXX, XXXX and even XXXX XXXX  as you go have similar offers and i have succesfully used these methods to lessen payment burden at times of purchase. 
I was surprised to learn that I was charged full amount of the transactions I made in XXXX and checked the *12 Month Equal Pay* selection. It even gives a dollar amount of these monthly payments. It would seem straight forward but I was wrong. Please note, I orginally used this option for Whole Food groceries, in the XXXX XXXX  but this process did not go through. Food is expensive and the fact that I thought that this option was available because it would have been helpful is sad. To learn that not just the groceries but XXXX others transactions hit my Chase card to be billed, os really discomforting. I support my mom. 

Why offer anything with such advertising wording if the consumer will be billed all the same. I dont need the credit usage to reflect on my credit report either. I have great credit and payment reputation. I am in process looking to invest in real estate and dont need finacial errors in the present. I made the purchases i chose with idea that i would me charged a monthly increment as it reflects in XXXX XXXX credit card payment option at check out. I have worked in law office since i was a teen, this matter is absolute deception. 
Also, i did not chose my Chase card with XXXX of the charges on my latest statement yet, it defaulted to Chase. That is also deceptive. I made sure to chose my bank. This is why i am removing Chase from my XXXX account.

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

Complaint narrative:
I can not get information about my loans because almost every time I try to access the website I get the message : " This site cant be reached. XXXX refused to connect. '' On the few occasions I could access the site, it only worked for a few minutes before I got the error message again. 

The phone lines are also overloaded, so with less than a month before my loan payments start again I : 1. Don't know my payment amount 2. Don't know my payment due date 3. Can not update my auto debit information 4. Can not complete my XXXX  application because my servicer is not accepting electronic signatures ( which I found out through studentaid.gov, NOT my servicer ) This is completely unacceptable. Today I was briefly able to access the site, but while I was trying to update my autopay, the site suddenly gave the message above and I continue to get that error every time I have tried for the past 12 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
The debt from Capital One for XXXX XXXX XXXX have been paid as of XXXX XXXX The amounts listed are incorrect as they were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Im asking for sign documents are contact that I sign are how they they can up with accuracy of information they cant provide me with anything I see wrong address and wrong social Security number on my report charges late payment that are not mine this causing me stress I want resolve I want to file a complaint and see if there anything else I can do about this please let me know

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 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been banking with Capital One for awhile now and every time I get a XXXX payment from a relative or someone I borrowed money to ( I have proof cause I sent this same person {$150.00} ) they keep red flagging my account and holding my money for days. Both parties are registered with XXXX and have never done anything fraudulent with capital XXXX or XXXX. But capital one keeps red flagging my money. It's not fair to the consumer. I spoke to XXXX and they stated that's what XXXX is for and they are not the ones red flagging my transactions, it's CAPITAL ONE. ITS CASH PAYMENTS AND I HAVE RECEIVED BIGGER DEPOSITS THAT WASN'T FLAGGED. SERMS TO ME CAPITAL ONE FINDING REASON TO JUST HOLD CONSUMERS MONEY FOR PERIODS OF TIME FOR THEY'RE OWN GAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Indie Technology DBA Found
State: MA

Complaint narrative:
I opened a new business banking account with XXXX. Part of the account creation was providing both proof of my business and proof of identity. As soon as I got my first payment for work completed, found froze my account and wouldn't let me access my funds, citing suspicious activity.

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

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX ACCOUNT has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit credit plan as late for any purpose.

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 2023-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XXXX I paid {$100.00} from my checking account to my PayPal card. It cleared my bank on XXXX. As of today, XXXX, PayPal still has my money pending. According to them, it should have posted on XXXX, then they changed it to XXXX! My money is still not available to me as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
At the offices of XXXX XXXX XXXX XXXX XXXXXXXX Florida, I presented my photo ID to an employee who negligently and inaccurately typed my name into XXXX  system without providing me an opportunity to review the data. XXXX issued a credit card in the wrong name but, without activating it, my name was corrected upon my complaints to my correct name XXXX. I have never been known by XXXX and this one time stupid irresponsible error must be corrected and DELETED permanently from my Equifax credit report. I have attached a photo of the XXXX XXXX XXXX credit cards which obviously discloses that the error was discovered and corrected. Notice is given that unless this inaccurate NAME is not permanently deleted from my Equifax and any other credit report within 5 days, I will file a lawsuit in the US District Court for the middle district of Florida for FCRA willful violations naming Equifax, XXXX XXXX, XXXX XXXX XXXX  and others seeking statutory damages of {$1000.00} for each violation plus 9-80 fold punitive damages of between {$9000.00} and {$80000.00} per violation left corrected for every month reported. In addition, I will be filing Demands for Arbitration within the next 5 days for other disputes pursuant to valid arbitration agreements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 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: PA

Complaint narrative:
XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX that the information listed below is reporting accurately after several disputes I sent with the basis of my dispute being their violation of the Gramm-Leach-Billey Act which states that they are to send NOTICE to customers and consumers like myself and that financial institutions should get my PERMISSION before they just blatantly begin to furnish my non public personal information without my consent. The ACA a trade group in your industry gives me even more confidence that your willful non compliance in this matter will help me to collect funds for damages that you have bestowed upon my family and myself without NOTICE!

You may or may not be a member of ACA but I assure you they have been a key information source for those in your industry for decades.

Do you have your safeguards in place in accord with ( GLBA )?

Additionally, you state you are reporting accurately in your reply letter dated 9/17/23, in addition to your diregard for the Gramm Leach Billey Act in which you gave me no notice before violating my privacy rights violating Title15 USC 6802.

Additionally, I would now like to dispute brand new information that is reporting inaccurately as well. 

These XXXX alledged accounts are at present reporting as Past Due which is INACCURATE reporting on alledged collection account. 
I requested initially that you remove all 4 of accounts as they should not be on my reports per ( GLBA ). 

Additionally, At this time I am disputing regarding Brand New information. 


XXXX XXXX XXXX - # XXXX Reporting Past Due is inaccurate reporting on a collection account. Delete it! 

XXXX XXXX XXXX - # XXXX Reporting Past Due is inaccurate reporting on a collection account. Delete It! 

XXXX XXXX XXXX # XXXX Reporting Past Due is inaccurate reporting on a collection account ..Delete it! 

XXXX XXXX XXXX # XXXX Reporting Past Due is inaccurate reporting on a collection account. Delete It! 

Please remove these accounts for inaccurate reporting. 

I am uploading partial copies of my credit reports showing the inaccuracies.

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