vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I previously submitted a complaint on USAA because their ATM did not disburse my money ( {$300.00} ) on XX/XX/ I was in contact with a representative name XXXX up until XXXX trying to find a resolution to get my money back, then the communication stopped I've made multiple calls and no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: MD

Complaint narrative:
Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
CapitalOne requested information from me ( letter attached ).

I provided the information they requested ( 2 documents attached ). The information I provided exactly matches what they requested ( i.e. a bank statement and a government i.d . ).

CapitalOne informed me they are closing my account because I did not supply the requested information. This assertion is incorrect. They are squeezing me out of the financial system and have not provided any reason for doing so and have not accepted the documents they requested and I sent them, to avoid closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
Dear XXXX, I am writing to let you know about my concern about an ongoing issue related to our credit account. We had previously received a letter confirming that the problem had been resolved, and the information was updated in the three major credit bureaus. However, we were later informed that the account needed further correction. 

The issue is that while we had the account open, it was accessed and altered without our knowledge. Due to our health conditions, my husband and I were hospitalized with XXXX and couldn't monitor the account. Our friends and family made monthly payments without checking the account details. Although we fully resolved the issue through back-and-forth communication, we were recently invited by the CFPB and FTC to continue the process until it is entirely resolved. 

We both discovered that the account was compromised, and we closed it and paid the outstanding amount using linked accounts. It has been a nightmare for us, especially since we are a XXXX military family that relies on the account 's stability. We have been back and forth with this issue, and it's now outside the allowable period for discovery. The accounts should be wiped clean, and new cards should be issued immediately. 

Text messages and links were sent previously, and I thought you had all the necessary details since they were included in the original police report. I appreciate your hard work and time on this, given the current understaffing and overloading workload. I want to request that you continue to help me resolve this issue, as I have been passed around and forced to start from scratch each time. We can go ahead and resolve this matter entirely before the year ends. 

Thank you so much for your help. 

Best regards, XXXX and XXXX XXXX From : XXXX XXXX XXXX Discover Financial Services XXXX Sent : Wednesday, XXXX XXXX XXXX XXXX XXXX 
To : XXXX XXXX Subject : Consumer Financial Protection Bureau ( CFPB ) Inquiry Dear XXXX XXXX Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are adequately addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. 



I'm currently looking into your concerns. I will send a detailed response to you when I finish my investigation. 



If you have any questions or want additional information, please contact me at ( XXXX ) XXXX. I am typically available XXXXXXXX XXXX XXXX XXXX XXXX XXXX Executive Office of Customer Advocacy Public

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I paid my bill to Target ON TIME yet this month Target is charging me the outrageous fee of {$40.00} as a late fee that I shall not, never ever pay. I live with my beloved wife 99 % on Social Security and can not afford to pay this {$40.00} late fee and shall not do so. 

This is such a serious matter that I am advising the following : President XXXXXXXX FBI Director XXXXXXXX Attorney-General XXXX Federal Reserve Board of Governors Comptroller of the Currency New Jersey Attorney-General XXXX  New Jersey Department of Consumer Affairs Federal Trade Commission XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: IL

Complaint narrative:
NelNet makes paying back loans unnecessarily and excessively difficult. Their practices are both unfair and deceptive to the consumer. 

For Example : Although I pay SIGNIFICANTLY more per month than I owe and well more than the interest charged in a given month, I am still, somehow, accruing interest. Further, you can not set up that amount on autopay if you want to pay over the amount due monthly. Instead, you have to log in to make that payment manually. When making that payment, if you want to specify where that payment should go ( which loan, principal or interest, etc. ), you have to call Nelnet to do so. Unfortunately, NelNet 's customer service is so horrendously bad that I have repeatedly sat on hold with them for up to XXXX hours at a time, only to be hung up on by what I assume is the machine before ever talking to a human. They SAY you can specify where your payments go, but in practice, it's impossible to get them on the phone. When you DO get them on the phone, it's clear they are both understaffed and untrained. NelNet representatives have given me incorrect and contradictory information. When I informed them of the correct information, as per their own website, they had no idea what I was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I XXXX XXXX am making this complaint without any third parties. Experian has violated my right as consumer under there fair credit reporting act 15 use 1681b be furnishing information without the consumers consent or a court order. They have provided false and misleading information of these accounts being verified with no evidence see attachment

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 2024-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased an electric hot water system from XXXX XXXX XXXX, using my Home Depot card. I paid for the whole project costing {$5.00}, XXXX as XXXX XXXX XXXX reported that Home Depot requires all the money before installation. The project was not completed until XX/XX/XXXX. 
This was a special purchased advertised as 12 months interest free. 
So I requested that the purchased date be changed to XX/XX/XXXX as this was the date I actually was able to use the system. This was requested of XXXX XXXX XXXX, Home Depot, and Citibank. XXXX XXXX XXXX  had referred me to Home Depot and Home Depot told me to talk with Citi. 
On XX/XX/XXXX, Citibank said that they would extend the 12 months to 18 months. They sent me a letter to extend to the 18 months. On XX/XX/XXXX, I call Citibank to inquire about the interest free period. If I don't pay the full cost on the Credit card, I will have to pay interest for 18 month, not 12 months. 
Citibank wants me to call back Home Depot to change the installation date. I am going in circles and nothing is being resolved. 
I am merely requesting that Home Depot/Citbank honor its contract of 12 interest free if paid within that period to start the day the job was completed, and not having to be responsible for possibly another 6 months of interest.

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 2024-01-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have multiple hard inquires on my credit report, that I had no knowledge of up until my recent credit review. XX/XX/2024, and the inquires have been on my credit report for over 11 months. This has had a negative effect on my credit which has made it impossible for me to do anything for my family. I have faced many hardships within XXXX which have also had negative effects on my credit and i need it to be resolved.

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 2024-01-03 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: IL

Complaint narrative:
I am writing to bring to your attention a serious matter regarding the handling of my credit report. I have experienced persistent issues with the presence of fraudulent items on my report, and despite multiple attempts to rectify the situation, these items have not been adequately addressed. I am deeply concerned about the impact this has on my creditworthiness and overall financial standing. 

I have attached supporting documentation, including police reports, affidavits of fraud, and any other relevant materials, to substantiate the fraudulent nature of these items. 

I kindly request that your agency conducts a thorough investigation into these matters and takes immediate action to remove the fraudulent items from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of the information they report, and the presence of fraudulent items is a direct violation of this regulation. 

I expect your agency to adhere to the necessary protocols and guidelines to address and rectify these issues promptly. Additionally, I request regular updates on the progress of the investigation and the actions taken to remove the fraudulent items. 

Please provide a written response within 30 days of receiving this complaint, as required by the FCRA, confirming the steps taken to address these issues and the results of the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, IL 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 2024-01-03 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: IL

Complaint narrative:
I am writing to bring to your attention a serious matter regarding the handling of my credit report. I have experienced persistent issues with the presence of fraudulent items on my report, and despite multiple attempts to rectify the situation, these items have not been adequately addressed. I am deeply concerned about the impact this has on my creditworthiness and overall financial standing. 

I have attached supporting documentation, including police reports, affidavits of fraud, and any other relevant materials, to substantiate the fraudulent nature of these items. 

I kindly request that your agency conducts a thorough investigation into these matters and takes immediate action to remove the fraudulent items from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of the information they report, and the presence of fraudulent items is a direct violation of this regulation. 

I expect your agency to adhere to the necessary protocols and guidelines to address and rectify these issues promptly. Additionally, I request regular updates on the progress of the investigation and the actions taken to remove the fraudulent items. 

Please provide a written response within 30 days of receiving this complaint, as required by the FCRA, confirming the steps taken to address these issues and the results of the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL 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 2024-01-03 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: MI

Complaint narrative:
I am disappointed that my information have been compromised by identity theft.I am trying to buy a home for me and my family and this has put a serious hold on the process.By the FCRA, 15USC 1681 G my information should be safe and secure and i see its not.My information has also been in a breach.This is a defemation of my character and causing emotional stress on me.Identity Theft is not far and the credit reporting agencies can be sued for having damages on my credit report. There are also some addresses and inquiries that i want to report that i see happened during the identity theft.I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.

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 2024-01-03 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: NJ

Complaint narrative:
IN THIS LETTER PLEASE SEE THE ATTACHED POLICE REPORT as requested via letter by XXXX in order for this account to be blocked. 
I am writing to demand the fraudulent XXXX account that has been reporting to my credit card for a year now to be removed. The account begins in XXXX and was fraudulently opened in XXXX. I have submitted multiple fraud reports for this account to be removed and disputes. XXXX and Tranunion Fraud Department requested for me to turn in the full Identity theft affidavit report in order for this account to be removed due to Fraud. That has been done. 
Please review the last identity theft affidavit submitted with the previous letter that was sent out on XX/XX/XXXX. I attached proof of verification and the identity theft affidavit to my previous letter that certified mail confirmed that you received. 
This account must be removed/ blocked within 4 business days after receiving. XXXX and the CRA is being unlawful due to this fraudulent account to still be reported.

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 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called 4 different times to open a merchant dispute but the system didnt allow to access without SSN, and when I tried to bypass that requirement after more than 20 minutes waiting nobody answer.

I need to dispute these 4 transactions as merchandize not received. 
XXXX ) XX/XX/2023 {$91000.00} XXXX ) XX/XX/2023 {$91000.00} XXXX ) XX/XX/2023 {$90000.00} XXXX ) XX/XX/2023 {$90000.00} I went to the store in person to buy 4 smartphones XXXX XXXX XXXX, at the moment of the purchase the store didnt have on stock those smartphones so they add for free the delivery service by XXXX XXXX 
The expected delivery date given was, no later than XX/XX/2023 I never received the package, and I tried to reach the merchant to request the tracking number or shipment information, the status or even the refund or replacement. 
But was impossible, nobody answers. 
Please proceed with the merchant dispute as merchandize not received. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CO

Complaint narrative:
I applied for the XXXX repayment plan XX/XX/XXXX. After several weeks of no response I asked Mohela for an update. They were not able to provide any information. I applied through the XXXX XXXX XXXX website XX/XX/XXXX and that website now says Mohela has completed reviews of both the XX/XX/XXXX application and XX/XX/XXXX application. However, Mohela did not share information about whether they've accepted my application for the XXXX plan or not, and nowhere in my profile on their site ( correspondence, notices, etc. ) does it say anything about having accepted or denied my application. This discrepancy is a problem. My payments are set to restart XX/XX/XXXX according to Mohela 's site ; but the minimum amounts are clearly incorrect, as they're based on principal numbers from XX/XX/XXXX ( one of the issues I originally filed a complaint about with CFPB and asked Mohela several times to explain, to no avail ), and those numbers would change on the XXXX plan. 
Mohela 's lack of timely and competent response is unacceptable, when they're expecting payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation