vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I cancelled my visa services through XXXX on XX/XX/2023 due to unsatisfactory customer service and requested a refund for all services including the Health Insurance.

My visa was never submitted to the XXXX Government!!! 

This is my second time hiring XXXX for visa services and each time it is a hassle. My first visa was approved and I gave the same type of documentation for the second visa but was continuously asked for new requirements not " explained or mentioned '' before which continued to delay the process. 

I called Bank of America 's claim department on XX/XX/2023 to request a refund for the visa services and the travel voucher. The agent stated that they do not provide refunds on Health Insurance Travel Vouchers.

As part of the visa process, I had to pre-purchase health insurance for XXXX year. Since I cancelled my visa services with XXXX, the health insurance voucher is void. The departure date on the travel voucher is XX/XX/2023. I submitted a cancellation request via email to XXXX for the Health Insurance Voucher on XX/XX/2023 which XXXX weeks before the " assumed '' departure date. 

XXXX explained that I had to submit a PQR on XX/XX/2023 and the XXXX team did not submit a response until XX/XX/2023 explaining that I had to contact XXXX Assist to request a travel voucher refund. XXXX XXXX team stated that they do not handle XXXX XXXX Refund request. Please see image attached. 

XXXX XXXX received two requests for a refund I verbally requested a refund on XX/XX/XXXX where they told me XXXX group handles the refunds and that is not true. The second request was via email on XX/XX/XXXX where they are telling me it is too late to request a refund although I already verbally requested one.

Both companies ( XXXX  and XXXX XXXX ) are both stating that they do not handle the Travel Voucher refund process which is why I am contacting the CFPB because I am getting the run around from both companies. 

Please see images attached.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX and Account as is reported as having a late payment my credit report : XXXX. XXXX XXXX XXXXXXXX, Credit Card, Account Number : XXXX, XX/XX/XXXX XXXX. XXXX XXXX, Cell Phone, Account Number : XXXX, XX/XX/XXXX I am demanding that these accounts be updated to Paid as Agreed and Never Late.

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 2023-10-17 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: CA

Complaint narrative:
XXXX XXXX and Account as is reported as having a late payment my credit report : XXXX XXXX  XXXX XXXX, Credit Card, Account Number : XXXX, XX/XX/XXXX XXXX. XXXX XXXX, Cell Phone, Account Number : XXXX, XX/XX/XXXX I am demanding that these accounts be updated to Paid as Agreed and Never Late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To who it may concern, There was a breach with the XXXX XXXX XXXX XXXX and requesting a deletion : inaccurate information You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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 an account without my written instructions.

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

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
I am Requesting all these inquiries be deleted : Transunion : 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 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Someone applied for a CHASE SLATE EDGE Visa Platinum account in my name without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: Kikoff Inc.
State: CA

Complaint narrative:
On an initial complaint filed with the cfpb against kikoff for a billing error that occurred XX/XX/23 where the customer service agent could not find the charge to dispute it. Kikoff responded by having a senior account specialist contact me to process the dispute on XXXX and I was told that this could take up to 60 days. 

On XX/XX/23 I called to follow up with the dispute and see what was taken so long, only to be informed that the dispute handled by the senior account specialist on XX/XX/23 was NEVER even processed and that the dispute would need to be re submitted. 

It has now been XXXX days since I began disputing a transaction from XX/XX/23 for the amount of {$310.00} from XXXX XXXX XXXX themselves admitted to the gross miss calculation and billing error and advised me to file a dispute saying that this would be the fastest way to have my money returned to me. 

Now XXXX months later, 3 senior staff members from kikoff, 2 complaints with the CFPB and this dispute hasn't even been initiated by kikoff yet. 

What do I have to do for kickoff to comply with FCRA a FDCPA regulations?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
A request was submitted in XX/XX/ to have this inaccurate reporting removed from my credit report and they responded claiming this account was accurate. 

I am not liable for this debt with XXXX XXXX XXXX XXXX for {$15000.00}. I do not have a contract with National Credit Systems Inc. They did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
XX/XX/XXXX, my closing attorney as well as myself requested a payoff statement. 

I have not received it and the loan advisor says my account is pending because the system is taking its time updating a payment made on the same day. 

I am trying to refinance and they have already taken me past my closing day, adding more interest, and I am still waiting for a closing statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report. The reason each reporting agency keeps reporting the information is due to the financial gain. XXXX, XXXX, and Equifax are monetizing my consumer report but will not provide an accounting record of the consumer account history to verify. 

The reason they will not remove the inaccurate information is due to the financial gain which makes the decision biased. This inaccurate information is adversely effecting my consumer report. 

XXXX XXXX file number XXXX EQUIFAX XXXX XXXX XXXX Number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, Experian, and XXXX continue to report inaccurate information on my consumer report. The reason each reporting agency keeps reporting the information is due to the financial gain. XXXX, Experian, and XXXX are monetizing my consumer report but will not provide an accounting record of the consumer account history to verify. 

The reason they will not remove the inaccurate information is due to the financial gain which makes the decision biased. This inaccurate information is adversely effecting my consumer report. 

XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX Number XXXX Experian 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 2023-10-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXhas violated my rights. 

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

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 2023-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX. They have erroneously processed my IDR Forgiveness incorrectly. My loans were consolidated on XX/XX/XXXX and completed a consolidation add on form on XX/XX/XXXX. I received confirmation from XXXX dated XX/XX/XXXX that it was received and processing, and the balance of my XXXX loans with MOHELA increased by XXXX while the balance of the loans included in the add on form reduced to XXXX. My Federal student loans with MOHELA were forgiven through the XXXX XXXX time adjusmtent, however the XXXX that was added on to the consolidation was not included in the forgiveness. With the XXXX time adjustment I should have credit for all periods prior to the consolidation for the full balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CT

Complaint narrative:
Recently my student loans were transferred to Nelnet. 
I applied for a SAVE repayment plan, and my student aid profile says the application has been reviewed by nelnet, and the case is marked Closed. Yet I have not had a single email ( or other ) communication from Nelnet, other than a bill that I can not afford that is due tomorrow. 
The most frustrating piece is that every time I call Nelnet I am stuck on hold for extreme amounts of time. I have not yet been able to get through to an actual person to ask what happened to my XXXX application, and why have I heard nothing about it? 
It feels like they are stalling on purpose - as Ive found vis XXXX that I many others are having the exact same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: GA

Complaint narrative:
Nonrenewal lease notice sent by email XX/XX/XXXX. Acknowledged by then property XXXX XXXX XXXX. 
Dropped off unit keys on XX/XX/XXXX as agreed along with forwarding address and phone number. 
XX/XX/XXXX sent email to XXXX XXXX asking if I was getting any or all of security returned to me. Email unacknowledged. 
XX/XX/XXXX sent email to XXXX XXXX asking how alleged amount was sold to collections when I never received a printed or emailed itemized bill. Email unacknowledged. 
XXXX XXXX emailed XXXX XXXX, assistant property XXXX. XXXX stated I had to speak with XXXX XXXX agency since alleged bill was over a year old. 
XX/XX/XXXX, I called XXXX and they had no record of my account. 
I received no itemized printed debt validation notice by email or XXXX from XXXX XXXX, XXXX XXXX, or ProCollect.

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 2023-10-17 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: CO

Complaint narrative:
My credit has reported false reports since I have turned XXXX ( I am now XXXX ). For the last 2 years I have been in constant communication with Experian and the other credit bureaus, to ensure they are removing false statements from my account. I am a victim of identity theft and fraud. I have disputes numerous cases, many in which, have been resolved and removed. As the evidence points to me being a victim of identity theft and fraud. I have two negative accounts reporting on my credit score : one that has been proven as fraud, and the credit card company has confirmed that and sent Experian emails to prove it, and another collections company that was removed previously ( because it was found to be fraudulent ) and now it is back on my account. I am newly XXXX XXXX XXXX and a XXXX XXXX. It is incredibly difficult and frustrating to not be able to build credit ( out of fear, the false reports will be even harder to remove ). I understand everyone has their own lives and problems and Im just one of many. But it would be greatly appreciated if you guys could simply look into this matter and help me out. Thank you in advance for your help and support. 

The Accounts in Question : Account : XXXX XXXX Date opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance {$360.00} Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Removed : XX/XX/XXXX Reopened : XX/XX/XXXX Balance : {$670.00}

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 2023-10-17 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 never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2023-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
XXXX SC XXXX XXXX XXXX  
Reference num. XXXX
Account from XXXX XXXX XXXX

For the amount of XXXX
I never seen herd of these people or company ever

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-17 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: FL

Complaint narrative:
It was XXXXt loan from XXXX and they sold my information to another XXXX XXXX XXXX XXXX company with out my consent and now report XXXX XXXX XXXX  report late payments and wrong information on my credit report when acct was in good standing and no late payment

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 2023-10-17 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: FL

Complaint narrative:
It was XXXX loan from XXXX and they sold my information to another XXXX XXXX XXXX XXXX  company with out my consent and now report XXXX XXXX XXXX report late payments and wrong information on my credit report when acct was in good standing and no late payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: FL

Complaint narrative:
It was XXXX loan from XXXX and they sold my information to another XXXX XXXX XXXX XXXX company with out my consent and now report XXXX XXXX XXXX report late payments and wrong information on my credit report when acct was in good standing and no late payment

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 2023-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SN SERVICING CORPORATION
State: TX

Complaint narrative:
For the last months I have been trying to get a loan modification to not lose my home and XXXX XXXX ( assigned representative ) refuses to work with me. I am doing my best to keep my home but when I communicate or try to speak with Sn servicing especially XXXX she never answers the call and all other representatives only say " Theres nothing we can do for you '' I have a recording of it as proof. I spoke with XXXX XXXX  XXXX. I even asked for a manager and the response is " what do you think shell do for you?, nothing. '' again, I have the recording to prove it. He gave no importance to my needs and situation. I Also spoke with XXXX, whom claims to be a supervisor. which wasnt much help either. All she can say was she had approached the account specialist to see what happened. Claiming there was a letter sent to me in XXXX or XXXX requesting additional documents but it was never received and when asking for a copy of the letter they were not able to locate it. Just proving it was never sent. I believe XXXX is not servicing my loan and my requesting in assistance. to this moment I still have not heard from the assigned rep XXXX after all the calls and complaints i did all morning. I need all and every help to keep my home and stay in it and no one is willing to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: IL

Complaint narrative:
I am writing to complain to EXPERIAN about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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