vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Concora Credit dba Destiny Mastercard, has a deceptive practice in which setting up auto pay for the full balance will not take the balance due in the same cycle, resulting in a balance due being reported to credit agencies. This is deceptive, credit damaging and predatory. They charge an annual fee of {$170.00}, which goes up to {$200.00} in the next year. I have only had this card 2 months, and I would like to pay the balance in full and close the account and receive a prorated refund of the annual fee, but was told that is not possible. Customer service agents are not aware that this policy works this way, and will mislead you to believe that auto pay for full balance will result in a XXXX balance being reported to credit reporting agencies which is not true. When they research, they see that they have been giving false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Someone from chase card called asking me to verify information.

I would not then trans feredme to someone saying they were with CFFB. WANTING MORE INFO AND ASK FOR NUMBER THAT CHASE GUY GAVE ME FIR A CLAIM NUMBER. XXXX. 
BOTHE THE CHASE GUY AND LADY HAD FORIEN ACSENTS. 
I did not apply fir a card From CHASE I already have XXXX. 
Thank you Regards XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Per the attachments, I requested the balance on my Comenity VISA to be distributed to me. Per federal law, Comenity has seven business days from the date of my acknowledged notice of XXXX to have mailed to me my balance. Seven business days would be XXXX. Because I did not receive my money from Comenity by the required time, I had to take an advance from my XXXX credit card, pay a 3 % advance fee, and pay 29.99 % interest. I am damaged by Comenity 's intentional act to ignore federal law. 

Because close to 24 hours have passed and my official notice of my request to close my Comenity Visa has been ignored by Comenity, I have attached that message here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 non-monetary relief
Consumer complaint received 2024-05-02 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX & XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: TX

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Under 15 U.S. Code 1681i, paragraph 5, Treatment or univariable information ( A ) of inaccurate if the completeness or accuracy of any item of information in a consumers file at a consumer reporting agency is disputed by the consumer, the agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. If it is found to be inaccurate, the agency must record the current status of the disputed information or delete the item from the file.

Pease remove the following items from my credit report immediately or delete the account. 
XXXX XXXX Accounts

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I had an XXXX XXXX, XXXX XXXX and an XXXX XXXX, XXXX card and on the cards. It says that there's multiple months where there were thirty and sixty days late, however, I made the payments. And then I kept getting calls from XXXX XXXX. And they would tell me that I could only pay if I call them which was weird because I have up to that point paid online. And when I tried to actually call and talk to somebody about it. I'd be on the line for 3 hours. And I get ahold of one division and they send me to another division and the send me to another division. And I never got any resolution, and this happened multiple times. And then, without notice, canceled both of my cards. Been making all my payments online. Additionally, XXXX XXXX would not honor the XXXX so I actually had to follow complaint with a better business bureau and after I filed a complaint, they finally honored it. I even went as far as to pay off the XXXX XXXX in full approx $ XXXX. To this day I don't know why any of that happened the way it did. And now I'm stuck with delinquent marks On two closed account one which I paid off in its entirety on my own and. I would like to at least have those delinquent remarks taken off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have XXXX Signature loans with Navient. Both are private student loans. Loan # 1 ending in XXXX issued on XX/XX/XXXX and loan # 2 ending in XXXX issued on XX/XX/XXXX. Both loans were issued to XXXX XXXX XXXX XXXX now named XXXX XXXX. XXXX has been listed as a for profit school that has been deemed by the court of law as operating under misconduct. Due to that judgement the courts have awarded the victimized students of predatory lending the cancelation of their student loans. ( Both federal and private ) I have contacted Navient on XXXX occasions XX/XX/XXXX and XX/XX/XXXX. No action has been taken. I have a payment coming up this month and was advised that I'm not eligible for a forbearance or deferment. These options will allow time for Navient to review my account for loan forgiveness consideration due to the allegations of school misconduct for XXXX. Both student loans were paid to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
They keep calling me and my family despite being told not to. I am tried of being humiliated. They know I am only receiving protected income XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Yesterday, XX/XX/XXXX at XXXX XXXX someone called me from the Bank of America phone number and impersonated a Bank of America fraud agent, he made all of these claims saying that there were XXXX fraudulent XXXX  transactions that were trying to be initiated on my account and I needed to move quickly to make sure that my account would be protected. So he had me add some suspicious name and then send an account through XXXX and then afterwards he hung up the phone on me and so once that happened I knew that I had been scammed. I had received credible calls from the bank a few days before this like in XX/XX/XXXX and they sent me out a new bank card because my account had been targeted with fraud. So when I received that call yesterday XX/XX/XXXX at XXXX XXXX I truly thought it was the bank reaching out to me once again. So once I woke up this morning, I realized that I had truly been scammed and my money was gone forever. I called the bank and they told me there's nothing they could do to help me because by using XXXX I authorized that transaction but I truly did not know and I just feel like there should have been more protection for my 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 monetary relief
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/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 2024-05-02 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX  - XX/XX/XXXX : XXXX XXXX - XX/XX/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 2024-05-02 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:
These accounts are not mine and were opened fraudulently. I need them removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
WELLS FARGOXXXXXXXX XXXX XXXX I have unauthorized inquiries made on this date : XX/XX/year>

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 2024-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: HOME BANCSHARES, INC.
State: AR

Complaint narrative:
The above categories do not address the complaint I have. Centennial Bank, routing number XXXX had a data breach in XXXX XXXX XXXX. As a customer, I was not notified until XXXX XXXX XXXX. The bank offered a one year credit watch, but the crucial time of immediately after the breach had already expired. This is inexcusable. A customer should be made aware specifically what data was compromised and what has been done to keep it from reoccurring. If human resource data was breached, then minors of employees could have social security numbers that were compromised which a credit check would not reveal.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Regional Management Corporation
State: LA

Complaint narrative:
Regional finance from XXXX XXXX XXXX  took me to justice of the peace in XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and case was dismissed in my favor in XXXX for failure to prove or support debt and no paperwork on the debt. Since then I have moved to XXXX in XXXX. In XXXX a debt collector called and threatened me with having me arrested for fraud and identity theft and theft by deception. And now today I was called again they said I was delivered papers from court in XXXX XXXX and had a judgement against me for fraud, I never received any correspondence, or notice to attend court or of any pending charges or Judgements against me also they had my name and social but a completely incorrect birthdate and are saying they are having me arrested for fraud. They called from number XXXX XXXX debt collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and she laughed at me and said good luck in jail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I was charged an annual fee for the Barclay 's Card and I didn't use the credit card. I closed the card and they would not refund the annual fee.

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 2024-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I am writing to address significant concerns that I have been experiencing with Federal Student Aid and my current federal student loan lender, Aidvantage ( previously operating as XXXX ), regarding my federal loans and my approved Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) which have been ongoing since XXXX. I understand that XXXX time as a servicer on behalf of the Department of Education was marked by failure, scandal, and unparalleled borrower harm resulting in law suits and it appears that Aidvantage is on the same path as demonstrated by what I have been experiencing. 

I have been a dedicated public servant working for the XXXX XXXX XXXXXXXX since XXXX. I work in the XXXX XXXX XXXX XXXX XXXX XXXX serving the XXXX XXXX XXXX most vulnerable populations. When the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) was announced during the pandemic, I applied. Also, during the pandemic, I experienced unfortunate circumstances with a deceptive contractor that led me into bankruptcy. 
I applied for TEPSLF months before my bankruptcy was confirmed and was also informed by the Department of Education that my TEPSLF was approved and that my loans were being transferred to XXXX months before my bankruptcy was confirmed. Aidvantage is refusing to transfer my loans to XXXX despite my application and approval prior to my bankruptcy status. Furthermore, Bankruptcy Judge XXXX XXXX also ruled that the bankruptcy stay does not apply to the transfer of my student loan debt from one servicer to another or my application for re-aging and forgiveness of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong 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 2024-05-02 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong 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 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am writing to formally address an unauthorized transaction that occurred on my debit card on XX/XX/XXXX, amounting to {$1700.00} at XXXX. This transaction was not authorized by me, and despite my efforts to rectify the situation, Chase has declined to refund the amount.

It is crucial to emphasize that I was not in possession of my debit card or cellular phone at the time of the purchase ; both were only retrieved at a later date. Despite this, Chase has asserted that I authorized the transaction under the premise of a " counter purchase. '' I want to unequivocally state that I did not authorize the use of my card for this purchase, nor have I ever engaged in a transaction of similar magnitude or nature before.

Given these circumstances, the burden of proof lies with
Chase to demonstrate that I, XXXX XXXX, authorized this purchase, which I did not. Therefore, I demand that my money be refunded in full without further delay.

I expect prompt action to resolve this matter and anticipate a satisfactory resolution at the earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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