vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, 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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-07 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: FL

Complaint narrative:
I searched for a product on XXXX. Found it on a website XXXX  and saw that the website has been running since XXXX. XX/XX/XXXX, I purchased a product for {$410.00} via XXXX. The XXXX email was XXXX After not receiving any updates on the order and being asked to pay for a {$200.00} product insurance ( I did not pay it ), I came to the conclusion that I was scammed. 
I called Chase banks claims department twice and they told me they could not help me because it was a XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: PA

Complaint narrative:
On XX/XX/XXXX I contacted the company Way 2 Go debit prepaid card due to fraudulent activity that was placed on my child support account. My previous card was canceled and I was sent a new one. I was also asked to make a statement I was sent paperwork to fill out and I sent in all the transactions that had been withdrawn from the account for the amount of {$2000.00} I did not receive notice that deposits were being made to the debit card on XX/XX/XXXX. I logged in to see all transactions were being done in XXXX Tennessee. I live in XXXX, PA I reached out to the company to file a complaint. I was given paperwork to fill out and after submitting it to retrieve the funds back and I was told by the company 's representatives that their investigation department found a discrepancy in the dispute and there is no way possible to get the money back. This happened last year XX/XX/XXXX with the same company ( Way 2 Go ) and the conclusion was the same outcome I was unable to retrieve funds which was {$500.00} at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
NCB MANAGEMENT SERVICE i have sent my FTC affidavit it is also attached to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: RI

Complaint narrative:
I ( XXXX XXXX ) discovered in XXXX of XXXX that my mother 's property ( XXXXXXXX XXXX XXXX XXXX XXXX  NH XXXX ) had been abandoned by my father ( XXXX XXXX ). Although my sister ( XXXX XXXX XXXX and I were both on the Deed and Mortgage since XX/XX/XXXX, I was not informed that XXXX had XXXX the property. For context, I have no contact with XXXX or XXXX. In addition, the mortgage company has never contacted me with any information, or mortgage updates. 

Upon finding out that the property was abandoned, I drove up from Rhode Island to inspect and confirm that abandonment. In addition to the abandonment, XXXX took 100 % of my mother 's belongings along with most of the faucets, hot water tank, sinks, and other metals. 

At that point, I hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX ] and began the process of Petition to Partition the courts to force the sale of the property ( advised by XXXX and XXXX even though I made it clear I wanted to retain the property and fulfill my mothers wishes. 
XXXX and XXXX attempted to negotiate with XXXX XXXX ( XXXX  father ) to which he become volatile and combative, refusing letters and court documents. 

At the same time as all this was underway, I began calling and emailing Rushmore Loan Management Services to try and take over the loan payments. As of this letter XXXX XX/XX/XXXX, Rushmore Loan Services maintains that they will not provide me any information on the Lease, Loan, or Deed, ( despite both myself and my lawyer providing all the necessary documentation many times, including phone calls ). 

Rushmore Loan will not accept loan payments, negotiations or discuss the property status with me. 

I spoke with the propane in XX/XX/XXXX while trying to set up services again and they show that the propane has been shut off since the Fall of XXXX and they had to retrieve the propane tank for the safety of the property. This means that XXXX abandon the property in late XXXX or early XXXX. 

Lastly, XXXX XXXX XXXX for bankruptcy in XXXX and her share of the property was sold to an outside investor by the name of XXXX XXXX XXXX When my lawyer called him to discuss the property he stated he did not know that he owned it. 
As of this letter, the XXXX XXXX is scheduled for XX/XX/XXXX. XXXX is of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, 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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
Please remove the following inquiries from the credit report 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 XX/XX/2022 ) -- The following accounts violates my rights as a consumer 15 USC Code 1681B, I never gave any permission for any debt to furnish ANY information to any bureaus and it is assisanate my character as a consumer and my right to privacy violated my consumer right 15 usc code 1681A PLEASE REMOVE ALL ACCOUNTS AS THIS IS MY SECOND TIME WRITING AND I WILL BE REQUESTING A FINE OF {$1000.00} I have sent several letters to the bureaus in regards to this issue and none of the accounts has been removed.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have unauthorized and unverified inquires on my XXXX  credit file. They are as follows 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 Each application was for pre-approval soft pulls and I didn't authorize hard pulls. I contacted each institution to ask why they pulled my credit, they responded that the applications were no longer in there system because it was more than 30 days from applications.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have unauthorized and unverified inquires on my XXXX credit file. They are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and Citizens One Auto Fi XX/XX/XXXX. Each application was for pre-approval soft pulls and I didn't authorize hard pulls. I contacted each institution to ask why they pulled my credit, they responded that the applications were no longer in there system because it was more than 30 days from applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
CashNetUsa is trying to collect a debt in which I never did any type of business with this entity. This company does not appear on credit report. This is a fraudulent account. This company is trying to take advantage of me because of my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
On XX/XX/2022, First Citizens Bank put a charge of Reimbursement on my Account because I had a credit charge of {$25.00} on it for a long time. It's been almost 9 months, and I still haven't received that money in form of a check, or transfer to my another account already linked to First citizens bank. I have not received that Credit Reimbursement money in any form, and it's been a long time. Please help me get my {$25.00}. Thanks. I changed my address from what's in the attached document to the address I will enter on last page, but I haven't received the money in any of the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays collection firm, XXXX XXXX  XXXX : Firm File No. XXXX issued a court summons witnout stating the date of my court appearance. I have NEVER EVER DONE business with Barclays and NEVER EVER OWNED a XXXX XXXX and CERTAINLY NEVER EVER REQUESTED a XXXX. I have NEVER EVEN RECEIVED a statement from Barclays. This notification from the collection agency, XXXX XXXX XXXX is the first I've heard about it. In XX/XX/2023, I returned XXXX XXXX XXXX 's form letter stating that the amount quoted {$1000.00} is not my debt. I also telephoned the firm on 5 occasions : XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX -- 2 times ; Mon. XXXX. I have left numerous messages, which were never returned. I do not know whether this is a scam or not. I have been the victim of identity theft in the past, and this appears to be the same thing. Seniors like me are constant victims of scammers.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Court : XXXX XXXX XXXX XXXX XXXX Case # : XXXX Plaintiff : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX VA XXXX Defendant : XXXX, XXXX Filing Date : XX/XX/XXXX Amount : XXXX Judgement : PLAINTIFF Judgement Date : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX Case # : XXXX Plaintiff : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX  XXXX VA XXXX Defendant : XXXX, XXXX Filing Date : XX/XX/XXXX Amount : XXXX Judgement : PLAINTIFF Judgement Date : XX/XX/XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Case # : XXXX Plaintiff : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Address : XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX VA XXXX Defendant : XXXX, XXXX Filing Date : XX/XX/XXXX Amount : XXXX Judgement : PLAINTIFF Judgement Date : 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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase offers a service called My Chase Plan that allows you to pay off a charge over time. They charge a monthly fee up front and once you commit to the plan it can not be canceled or paid off early without paying the full fee. I set up a 12 month plan for a dental expense I had charged XX/XX/XXXX for {$1200.00}. The fees were {$100.00} ( {$7.00} per month ). 

I had been paying off the interest savings balance each month and then one month I paid a little extra to cover new charges. They paid off the plan 7 months early instead of applying the payment to other charges. They claimed this is in their policy but this is not in any obvious place that I could find. Nor when I paid off the extra amount did it state it would go towards this plan. I expected it to go against new charges. I expected the plan to run for the full 12 months. Now if I don't pay off that amount from other charges I will also be charged interest.

I called and asked them to either reinstate the plan or reimburse me for the 7 months of charges for paying off my plan early. They refused to do either.

This My Chase Plan is deceiving to consumers and they should not be allowed to continue using it as is. They need to make sure that when payments go into a plan they are only paid as requested by the borrower. Not applying then payments whichever way they see fit. Please review their practices so other consumers are not scammed out of fees like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XX/XX/2023, I requested to have my student loan payments refunded. 

About a month after. I saw my student loan amount increased from XXXX to {$11000.00}. To me this would tell me the refund went through and my account reflects that. 

It has been 5 months since and I have no received those funds, I called and each time was told that the process was simply slow. However 2 weeks ago I called again and simply asked them to cancel my refund and have my account reflect what it should be, they told me it got approved.

Last week I received a call from Nelnet stating that there's no refund to cancel, so it appears like the refund was processed on their end, but the funds were not handled properly.

I attempted calling multiple times after my previous call and each time waited about 40 minutes before the call disconnected on it's own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: NC

Complaint narrative:
My employer opened an account for me at Optum Bank in XXXX, XXXX. I did several deposits and had an investment account with them. I was able to access my account back then. 
In XX/XX/XXXX, a new employer opened a new account for me with Optum Financial. It turns out Optum 's system does not allow two accounts with the same SSN so they closed my account with Optum Bank. 

I didn't pay much attention until I needed the money recently and was not able to access my old account. 

I called them several times ( transferred 6 times from Optum Bank to Optum Financial and vice-versa ). I was on the phone for FOUR hours between waiting times and their terrible customer service. 

I was able to partially retrieve some money - just the HSA money that was not invested. I can not see any of the statements or transactions from that account either. They told me the investment is with XXXX XXXX. 

So two big problems : 1. I was not contacted when they closed my first account ; 2. They are withholding my money. 

If they were able to close the account they should at the very minimum notify the owner so the action can be taken. They had my email and phone number and have sent me other notifications throughout the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I received alerts notifying me that there has been a data breach with a government entity that has my PI stored in their systems. I was urged to take action by reviewing all of my information to make sure there are no changes or anything unrecognizable on my accounts. I was also urged to change my information. This has happened twice already and when I reported the issue the first time after noticing some changes on my credit report, the issue had not been fixed. I tried placing a lock on my credit report but I discontinued with the payments which they then discontinued the service.

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