vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase credit card account # XXXX XXXX XXXX XXXX. I had overpaid more then once and they sent me a letter in XXXX of 2023 saying they were going to give my over payment to a government agency. I contacted them and i never got my money but they did charge my a late charge. They did used one of the overpayment check {$79.00} on XX/XX/2023 toward my balance, but there are 3 more overpayment checks chase has. Chase did try to send checks for the overpayment years ago but i never cashed them. i would have to look for the checks. I told them to use the money on my monthly credit charge and they didn't use the money they had of mine and they charge me a late payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Credit reporting or other personal consumer reports ISSUE Incorrect information on your report

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-10-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Care credit closed my account in XXXX of XXXX  due to the fact that they attempted twice to pull from an auto pay account that I had set up, but I had changed bank accounts and updated it with care credit but they kept pulling from my old account. I never received any notifications of a failed attempt at paying nor did I receive any confirmation. It wasn't until late XXXX when I received a notice that the account has been closed. Then, they added multiple fees overdrawing my account taking me {$1100.00} over where I was originally charging me interest above the current 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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
experian is reporting a charge off account of XXXX  XXXX XXXX this account was paid in full and was not a chagre off i have cotnacted them mutliple times and they advised ti would be corrected

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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. 

ATTYGENERL Child support with account # XXXX opened on XX/XX/XXXX and a balance of {$350.00}. 
XXXXXXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Auto Loan with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$11000.00}. 
XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
Collection account from Unknown with account # XXXX and a balance of {$3800.00}. The original creditor is XXXX XXXX. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$170.00}. 
XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$2600.00}. 
XXXX Line of credit with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$0.00}. 
XXXXollection account from XXXX with account # XXXX and a balance of {$650.00}. The original creditor is XXXX XXXX Collection account from XXXX with account # XXXX and a balance of {$1700.00}. The original creditor is XXXX XXXX. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$310.00}. 
XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$260.00}. 
Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$890.00}. The original creditor is XXXX XXXXXXXX XXXX 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violate

d my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

ATTYGENERL Child support with account # XXXX opened on XX/XX/XXXX and a balance of {$350.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$11000.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
Collection account from XXXX  with account # XXXX and a balance of {$3800.00}. The original creditor is XXXX XXXX. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$170.00}. 
XXXXXXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$2600.00}. 
XXXX Line of credit with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX with account # XXXX and a balance of {$650.00}. The original creditor is XXXX XXXX Collection account from XXXX with account # XXXX and a balance of {$1700.00}. The original creditor is XXXX XXXX. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$310.00}. 
XXXX XXXXXXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$260.00}. 
Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$890.00}. The original creditor is XXXXXXXX XXXX XXXX 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 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 explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Each month I set a automatic payment in the amount of {$100.00} to PayPal Credit- my minum payment is {$48.00} or lower and anything over the minum payment should go to my special finacing purchase automatically. But I have to call every month to have them to move the extra money to my special financing. Also they are messing with my credit by lowering my credit limit with them - example - If I have a {$2500.00} limit and my balance is {$1700.00} but then out of the blue they will lower my credit limit to {$1900.00} and that makes it look like I am maxing out my credit with them which in turn lowers my credit score. I have not been late on any of my bills but I do have medical bills that are on my credit report and student loans. But none of my credit cards, mortgage, car payments etc are late. This should be illegal!

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/XXXXXXXX  Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXXXXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
XXXXnquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
XXXXnquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXX on XXXX 
Inquiry from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX  I couldn't apply for any loans because of these negative items on my report which shouldn't be there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: MI

Complaint narrative:
I have many questions for Nelnet. 

# XXXX. I have attempted to call Nelnet several times, and their wait times are preposterous. The longest I've held is two hours before giving up. How can one be expected to wait that long? 

# XXXX. In XXXX though I had set up a monthly Auto-Debit online in the amount of $ XXXX, but I never received a confirmation number or email confirming that the XXXX will actually occur. Is this Auto-Debit set up? If so, what day of the month will it be occurring on? I believe I had set a day of the month when I set up the Auto-Debit, but I did not write it down because I thought I would receive some sort of confirmation. 

# XXXX. I submitted an application for an IDR plan on XX/XX/XXXX, but it is still pending. When can I expect this application to be reviewed and activated? 

# XXXX. As of Friday, XX/XX/2023, my loan balance started showing a status of PAID IN FULL on Nelnet 's website, and I can no longer see the individual loans. I am 99 % sure I do not qualify for loan forgiveness, and StudentAid.gov still reports I have a total loan balance of {$33000.00}. Of course, I would be delighted if I am wrong, and my loans have been forgiven in full, but I suspect this is not the case. I want to ask Nelnet : Why is my status now showing PAID IN FULL? Are my loans indeed forgiven? Or are they being transferred? If the loans are NOT forgiven, is interest still being accrued, even though I can not see my loans? If the loans are NOT forgiven, how am I supposed to make payments in the meantime? I wanted to call Nelnet to understand what has happened, but I have not had the time to wait on hold for 2+ hours to get someone on the line. I've seen stories online from others saying that the line drops anyway once you're finally taken off hold, so I don't see the point in wasting my time. 

# XXXX. I've read that Nelnet is worth over XXXX XXXX dollars, yet their customer service has been laughably poor. How is this legal? Why does this useless company deserve to earn interest from millions of borrowers who are working so hard to make ends meet, while Nelnet itself is allowed to be so absurdly incompetent? The incompetence is so extreme that it feels predatory. Can the CFPB do something about this? This consumer does not feel protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
This mortgage was sold to XXXX, since 2008, we refinanced for lower rate being senior for {$50000.00}. they threaten foreclosure if we didn't sign the attached clause with a balloon mortgage with an outrageous maturity date. We returned it with the crossed out clause. All these years they have only applied {$23.00} towards principal. My husband is a XXXX XXXX and i'm XXXX ... We would like to refinance to payoff credit card. Please help us...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: ME

Complaint narrative:
On or around XX/XX/, there was a fraudulent transaction on a checking account owned by XXXX XXXX As a result of the fraud BMO Harris Bank closed the checking account and the related savings account and blocked all access to the accounts and the account information. 
I, XXXX XXXX in this time period had telephone conversations with BMO Harris Bank requesting that the funds be released. At some point, BMO Harris became unresponsive to XXXX telephone calls or promising to research the matter and not following up. 
I estimate that the funds in question, between the checking and savings accounts, may be in excess of {$3000.00}. 
In late XXXX XXXX  XXXX asked his father, XXXX XXXX to help resolve the matter. XXXX authorized his father to act on his behalf in a letter dated XXXX XXXX XXXX 
In XXXX XXXX XXXX XXXX attempted several telephone calls to BMO Harris Bank spending several hours on hold trying to get additional information on the status of the accounts. 
The closing of the accounts, the loss of funds, and the unresponsiveness of BMO Harris Bank resulted in XXXX being evicted from his apartment and becoming homeless. In XX/XX/ XXXXXXXX XXXX XXXX  in XXXX for 4 days. This series of events forced XXXX to return to his family home in XXXX XXXX XXXX XXXX XXXX 
Having been frustrated with trying to communicate with BMO Harris Bank, XXXX XXXX with formal written authorization from XXXX XXXX sent letters to BMO Harris Bank on the following dates : XX/XX/ by USPS Certified Mail XX/XX/ by USPS Certified Mail XX/XX/ by XXXX Copies of all correspondence are attached as a PDF file. 
The formal correspondence asked for specific information on the fraud and an accounting of the money involved. To date, BMO Harris has been silent. Please note that all correspondence includes full and complete contact information.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to demand removal of late payments from my account in accordance with us law. The FCRA reserves my right to privacy and in 15 usc 1681 section A2ai specifically states transactions and experiences are to be excluded from the report. I ask the all applicable laws be followed to preserve my right to privacy and credit worthiness. Thank you for your time and attention i hope you are well.

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 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I seldom use my Comenity Bank, XXXX XXXX credit card. I made a purchase with this credit card on XX/XX/2023. I did not receive a statement for this purchase and since I rarely use this credit card its not setup for auto pay and I didn't think about it. When I realized I never got a bill I called Comenity Bank and told them I haven't received a statement, they apologized and waved the late fee and I paid the bill in full over the phone on the same call I made to them. Later come to find out the late payment was reported to the credit bureaus. I filed a credit bureau dispute and asked Comenity Bank update and remove the late payment credit reporting. They sent a letter saying they were unable to make any adjustments to my payment history. I called and requested documentation on how the came to the conclusion they were unable to make any adjustments to my payment history but I never received any additional information. I then disputed the credit reporting with the individual bureaus but Comenity Bank still would not adjust my payment history or give me any additional information.

Company response to consumer: Closed with explanation