vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I logged on to Equifax XXXX like I usually do and received a response saying that I needed to contact customer care, so I called and they assured me that the problem was resolved and that Ill have the freeze lifted for the time frame I requested. After ( 3 ) attempts on different days and ( 2 ) calls to customer care my credit remains frozen! Ive attempted to apply for new credit and was denied due to my credit being frozen!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: TX

Complaint narrative:
I have Bank of America XXXX XXXX XXXX  - ending in XXXX. Today I wanted to close the account. Chat option is not working. Tried calling XXXX - all the bot which even hearing my breathe is thinking that i am making an option. Long wait to talk to a real human being.

Secured message center, one way communication. Only Bank of America can send the messages not 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 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
I started a subscription with merchant XXXX  XXXX. After the first charge of XXXX, XX/XX/23, I rotated the credit card number. I thought that XXXX  XXXX would not know my new number with the Apple credit card. 

I was charged again XX/XX/23 for XXXX. I reached out to Apple support that was managed by Goldman XX/XX/. 

There is a current dispute on the charge. 

I put a request to Goldman/Apple to fix this issue for their promised feature on the card but they say it automatically lets some merchants still charge the card and that I would need to contact XXXX at XXXX to turn this off. They call this automatic billing updater. 

The way this works is when your card number is updated, XXXX then sends certain merchants the updated number. We do not have any way to tell which merchants get updated automatically. 

I asked them to reach out to turn this off. They said they couldnt. I believe they are responsible to resolve to turn this feature off, since thats it should if change your credit card number through the Apple XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
They called multiple times and would hang up when I answered. I would call the number back and they would claim I owe them a debt for some hospital bill from 2022 and I was never in the hospital in XXXX. I do not recognise this debt and have no intention of paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Nelnet keeps auto charging more than once a month. I have my auto payment set to one-time payment. Tried calling them and wait time is close to 2 hours. It is not fair to be charged more than once when only one payment is scheduled. Their website is not showing payment history. Nelnet is a joke and needs to be reprimanded for what they are doing to students. A lot of posts are online from people who are experiencing the same issue. In XXXX and XXXX, there were two charges when I only scheduled one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: TX

Complaint narrative:
I disputed incorrect information contained in my credit report in a letter dated XX/XX/23 ( please see enclosed copy ). I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from your bureau. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. I thank you for your kind attention to this matter and hope to receive my updated credit report soon. The account in question is 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 2023-12-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CarMax, Inc.
State: GA

Complaint narrative:
Notice of fraudulent tradeline Activities ( Carmax Auto ) Chargerd off an Consumer Credit Transaction and Now trying to Collect of an alleged debt that they Charged off. In the Amount of {$17000.00} they are trying to collect which is tax Fraud and the Proper Authority has been contact. They have Inaccurate information of my Credit File with ( XXXX, XXXX, XXXX ) I demand the information be Removed immediately 15 U.S. Code 1681n - Civil liability for willful noncompliance By Not do so your in violation of State and Federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I am writing to file a complaint against Patenaude and Felix, A.P.C. ( debt collector ) and XXXX XXXX XXXX XXXX XXXX XXXX ( debt collectors client ) for violations of state and federal consumer financial laws. 

Patenaude and Felix, A.P.C. and XXXX XXXX XXXX XXXX XXXX XXXX have acted deceptively, unfairly, abusively, and in bad faith by opportunistically exploiting the pandemic to breach debt settlement agreements and file fraudulent judgments in an attempt to alter settlement terms for financial gain. 

The details are as follows : - On XX/XX/XXXX, a debt settlement agreement was executed between myself and XXXX XXXX XXXX XXXX XXXX XXXX, represented by Patenaude and Felix, A.P.C. ( hereinafter " Patenaude '' ). 
- In accordance with Patenaude 's instructions, an automated payment method was established, providing the necessary account information for monthly payments. 
- Patenaude confirmed receipt of the account information and approved the automated payment method. 
- Payments were consistently made on time per the settlement agreement until the onset of the pandemic. 
- During the pandemic, Patenaude ceased processing payments, attributing their failure to do so to pandemic-related issues ( admitted by Patenaude in writing, available upon request ). 
- Despite my multiple attempts to reestablish payments, Patenaude has repeatedly refused to accept payments per the terms of the settlement agreement, explicitly stating that they and XXXX XXXX XXXX XXXX XXXX XXXX were unwilling to abide by the agreement ( written documentation available ). 
- Instead, Patenaude and XXXX XXXX XXXX XXXX XXXX XXXX is seeking to change the settlement terms to secure an exorbitantly higher settlement amount ( documented in writing ). 
- On XX/XX/XXXX, Patenaude fraudulently filed a judgment against me, alleging a breach of the settlement agreement. 
- The current amount proposed by Patenaude is double the amount that was agreed to in the original settlement agreement. 

I respectfully request an investigation into these matters and appropriate action be taken. I am willing to provide any necessary documentation to support this complaint. Please do not hesitate to reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This consumer reporting agency is continuing to furnish inaccurate information on my credit report regarding the balance of my XXXX student loan account. The entire balance of my XXXX student loan account has been discharged and forgiven by XXXX, yet this consumer reporting agency continues to disclose a false balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: WA

Complaint narrative:
On XX/XX/2023, I opened new Key Select Checking and Saving Accounts with Key Bank. Banker applied bonus codes for both Checking and Saving Accounts. After several days, I was contacted by the banker that they applied the wrong bonus code for Checking Account and they closed and opened a new Checking Account with the correct bonus code applied. 

They confirmed via email that I should get new account bonus for both Checking and Saving Accounts. 

Recently, when I contacted Key Bank to ask about new account bonus ( {$300.00} ) for Saving Account, they just found excuse to not give me new account bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2023, I called the Citi ThankYou Service Center number at XXXX. I inquired about the ThankYou points, over {$1000.00} worth, that I accumulated were missing from my account. 

I was informed that the points had expired because the credit card from which I earned them was closed, and 60 days had passed. I expressed my lack of awareness regarding this policy and inquired if there was any way to restore the points ; the customer support agent told me that nothing could be done. I asked the support representative to escalate to see if they could look into the issue further and I was informed that I would hear back in about a week. I never heard back. 

I called the Citi ThankYou Service Center number again on XX/XX/2023, asking for an update on my case. I was informed that a case was never submitted and the issue was not looked at any further. I asked the support representative to submit a case again on the issue ; this time they claimed that they could not do so. 

Since they had initially agreed to submit a case in XXXX but failed to follow through, I asked them to file a complaint regarding the lack of follow-through. I requested them to provide a follow-up on the complaint, which I was told that I would hear back within one to two days. Once again, no one contacted me. 

Additionally, I would like to point out that the information provided about the XXXX point removal policy after account closure is inaccurate according to Citi 's own website. The Points Expiration section under the Loss of Suspension of Points on their website indicates a XXXX period. 

XXXX XXXX XXXX XXXX XXXX XXXX  " You Close Your Citi Account or Convert Your Citi Account to an account that does not participate in the ThankYou Program. If You voluntarily close your Citi Account enrolled in the Program, or convert your Citi Account to an account that does not participate in the Program, You must use the Points within ninety ( XXXX ) days after closing or converting your account, or, if required by law, from notification of account closure or conversion, or You will lose the points that you earned with the closed or converted Card Account. ''

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This consumer reporting agency is continuing to furnish inaccurate information on my credit report regarding the balance of my XXXXXXXX student loan account. The entire balance of my XXXX student loan account has been discharged and forgiven by XXXX, yet this consumer reporting agency continues to disclose a false balance.

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This consumer reporting agency is continuing to furnish inaccurate information on my credit report regarding the balance of my XXXX student loan account. The entire balance of my XXXX student loan account has been discharged and forgiven by XXXX, yet this consumer reporting agency continues to disclose a false balance.

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 2023-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I HAD MY 3 CREDIT BUREAU 'S REPORTS AND THEY SHOWING FRAUDULENT CLAIMS POSTED IN ALL CREDIT BUREAU 'S 1 FROM AWA COLLECTION FOR {$280.00} FROM INSURANCE THAT I DO NOT HAVE AND I DO NOT OWED ANY MONEYS BUT ACTUALLY CREDITS BECAUSE THE RENTAL INSURANCE PURCHASED IN XXXX WAS CANCELLED IN MID XXXX AND I PAID THE 6 MONTHS DOWN PAYMENT THAN 4 MONTHLY PAYMENTS BECAUSE THE INSURANCE GOT CANCELLED IN XXXX AS I MOVED AND I DID NOT NEED IT THE RENTAL INSURANCE ANYLONGER BECAUSE WE PURCHASED A HOME AND WE HAVE THE HOME OWNER INSURANCE SINCE XX/XX/XXXX ACTUALLY THIS INSURANCE OWED ME A CREDIT I WANT THIS FALSE DEROGATORY FRAUDULENT CLAIM REMOVED FROM ALL CREDIT BUREAU 'S IMMEDIATELY THIS WAS POSTED XX/XX/XXXX XXXX XXXX XXXX  POSTED A FALSE FRAUDULENT CLAIM FROM XXXX XXXX WHEN WAS PLACED IN BANKRUPTCY AND MY XXXX CLEARED ALL MY DEBTS. 
THE FRAUDULENT ATTEMPT IS FOR {$590.00} THAT I DO NOT OWED I WANT THIS FRAUD TO BE IMMEDIATELY REMOVED FROM ALL THE CREDIT BUREAU 'S Also ALL FALSE UNTRUTHFUL ILLEGAL INQUIRIES SHOWING IN ALL CREDIT BUREAU 'S ARE FALSE ARE ALL UNATHORIZED AND FRAUDULENT I WZNT EVERYTHING REMOVED INCLUDING MY BANKRUPTCY FILED IN XXXX XXXX 9 YEARS PASSED BY NEXT MONTH WILL BE 10 YEARS I WANT EVERYTHING REMOVED BECAUSE IS AFFECTING MY LIFE IN AN EXTREMELY BAD WAY. 

PLEASE REMOVED ALL THESE FRAUDS THAN I WILL PLACED ALERTS IN ALL CREDIT BUREAU 'S... to PROTECT MYSELF FROM ANY ABUSES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am writing to bring to your attention an issue I have been facing regarding my credit report. I have previously submitted disputes for certain accounts, but despite my efforts, these disputed accounts have not been removed from my credit report. 

I initiated disputes with the credit reporting agencies, I have attached copies of the dispute letters I submitted. Despite following the proper procedures, the disputed accounts continue to negatively impact my credit score. 

I kindly request your assistance in investigating this matter and facilitating the removal of the disputed accounts from my credit report. 

I understand the vital role that the Consumer Financial Protection Bureau plays in ensuring fair treatment of consumers, and I am hopeful that your intervention will help resolve this issue promptly. If you require any additional information or documentation, please do not hesitate to contact me. 

I appreciate your attention to this matter and thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: GA

Complaint narrative:
Transunion has allowed XXXX and XXXX XXXX report the same account without my consent. Easy pay and XXXX did not notify me or send a letter as per Fair Credit Reporting Act so I could dispute debt before being reported to the credit bureaus this alone is one violation, the second violation Transunion allowed company to report the same account twice without my consent and third it has caused tremendous damage to my credit report. Also Transunion stated the account was closed but I did not agree or sign any agreement with Easy pay finance or XXXX allowing them ti report or share anything with any credit bureau. I will be reaching out to my attorney not only has XXXX XXXX XXXX  and XXXX violated the laws Transunion did as well. I Per law this account does not meet the Fait Credit Reporting Act qualification to even show on my credit report. Each company will be slapped with three ( 3 ) individual lawsuits for this

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 2023-12-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing this letter to request the following information on my file be deleted. I sent a letter to Experian on XX/XX/, asking them to reinvestigate my accounts and ensure everything was complete and accurate. I received my updated credit report and noticed they didn't modify or update anything according to 15 USC 1681i ( 5 ). This doesn't make sense because I know the information is incorrect. I'm trying to purchase a home for my family, and the credit bureaus are hindering me. Can you please look into this?

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 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX of 2023, I submitted a payment of {$100.00} dollars to pay my credit bill. The {$100.00} dollars went to a closed Bank of America Card instead of my current card and payment. I called Customer Service twice during that time, and they said they would send a check. I never received a check. 
I contacted Bank of America by chat today, and the agent said they sent it to the address of the old card, and then ended the chat without resolving the issue. I have all my addresses up to date with Bank of America, and I always had. It was their error to put a payment on an old account, and then for some reason supposedly send a reimbursement check to an old address which doesn't make any sense because I am the only card holder and I don't know why they wouldn't send it to the address on file. 
I have tried three times to resolve this issue. They took XXXX dollars from 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 monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Account/vehicle paid off on/about XX/XX/2023. 
A copy of sales contract was sent to me stamped " paid in full '' and congratulations to me for the payoff, but no mention of the lien release. This was received with a date of XX/XX/2023. 
I waited patiently for the title to arrive but by mid XXXX I contacted Ally customer service XXXX for assistance. 

Since XXXX, I've contacted AllyXXXX several times requesting my title and/or lien release document to be sent to me.

Of course, each time the agent supposedly documented the request and advise the pay in full office or something to that effect, would have to respond to the request and would mail the item. After the first couple of follow-up calls from me, I was told the title and/or lien document was sent and if I didn't receive it, it was probably lost in the mail system. They would request again and resend.

The last two contacts to the Ally customer serviceXXXX office I was told that the previous request was never responded to by the in office request. As of today, XX/XX/2023, same response of " No response from in office request, but will resend request for title and/or lien release for transmit 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 2023-12-16 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: NY

Complaint narrative:
THIS IS A NOTICE OF DISPUTE. I AM DISPUTING THE COMPLETENESS AND ACCURACY OF THE INFORMATION THAT HAS BEEN FURNISHED TO MY CONSUMER REPORT. XXXX XXXX XXXX. THE SEQUENCE OF LATE PAYMENTS THAT WAS FURNISHED IS INACCURATE. THIS IS A CLEAR VIOLATION OF THE FCRA AND THIS VIOLATION IS PREVENTING FOR FROM EXTENDING MY CREDIT FOR MY PERSONAL, FAMILY AND HOUSEHOLD PURPOSES.

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