vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit is frozen and yet still has inquiries. No proper debt validation has ever been provided for any negative accounts reporting. These negative remarks are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit is frozen and yet still has inquiries. No proper debt validation has ever been provided for any negative accounts reporting. These negative remarks are not mine.

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 2023-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NH

Complaint narrative:
On XX/XX/XXXX, I spoke to a MOHELA representative because my payment amount on the SAVE plan seemed unusually high. The customer service representative had me re-complete the application and gave me an estimated payment amount of roughly {$210.00}. This estimate lined up with their payment calculator as well as my own math based on the SAVE plan. 

On XX/XX/XXXX, I called again because I had been sent a statement saying that my monthly payment would be {$580.00}, more than double the amount stated last time. I was told to disregard this statement. 

On XX/XX/XXXX, MOHELA reached out to say that my SAVE application was rejected. On XX/XX/XXXX, I spoke with a customer service representative who gave another estimate of roughly {$230.00}. I had the representative add a note that my account had been miscalculated multiple times. 

On XX/XX/XXXX, I received another notice that the SAVE plan application has been rejected. 

According to my math, MOHELA is neglecting to take my spouses federal student debt into account despite that being a part of all IDR plans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I am writing to express my extreme dissatisfaction with the handling of my claim regarding an undelivered package financed through Nordstrom Card Services, managed by TD Bank. The denial of my claim and the lack of accountability in resolving this matter are unacceptable. I made a recent purchase from Nordstrom using my Nordstrom Card, which is managed by TD Bank. However, despite the package being marked as delivered, it was never received. The shipping receipt contains a signature that does not match mine, as I did not sign for any package. I have taken the following steps to address this issue : 1. Contacted Nordstrom : I immediately contacted Nordstrom 's customer service to report the undelivered package and the discrepancy in the shipping receipt. Nordstrom redirected me to TD Bank, claiming that they are responsible for resolving the matter. 2. Contacted TD Bank : I promptly contacted TD Bank 's customer support and filed a claim regarding the undelivered package. However, my claim was unjustly denied, with TD Bank insisting that Nordstrom should handle the issue. This situation has left me in a distressing and untenable position. I find it completely unfair and unreasonable to be caught in a dispute between Nordstrom Card Services and TD Bank, with neither institution taking responsibility for the resolution. I demand immediate action to rectify this situation and provide a satisfactory resolution. Specifically, I expect the following : 1. Thorough investigation and resolution : I insist that Nordstrom Card Services and TD Bank collaborate to thoroughly investigate the undelivered package and the discrepancy in the shipping receipt. It is imperative to rectify this issue promptly and ensure that I am not held accountable for an item I did not receive.

2. Clear communication and updates : I require consistent and transparent communication from both Nordstrom Card Services and TD Bank regarding the progress of my case. It is essential that I am kept informed of any developments or actions taken to resolve the issue.

3. Accountability and responsibility : I demand that both Nordstrom Card Services and TD Bank acknowledge their respective roles and take full responsibility for resolving the issue. The burden should not fall on the customer due to an internal conflict between the store and the bank. I trust that you comprehend the severity of this matter and the impact it has on customer trust and satisfaction. As a long-standing customer of Nordstrom and a loyal cardholder with TD Bank, I am appalled by this experience, which has significantly damaged my confidence in both institutions. Immediate action is crucial to rectify this situation and restore my faith in your services. I expect a prompt and satisfactory response to this complaint.

Please contact me at your earliest convenience to discuss the necessary steps to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023 I was contacted by phone by a male impersonating as a deputy sheriff. I was told that a warrant for my arrest was issued by a local federal court due to a failure to appear at a federal criminal trial. I was told that I could avoid arrest by transferring {$3000.00} to the court via XXXX. As directed, I transferred {$3000.00} via XXXX to the account and information provided by the scammer. 

On the same day, I contacted my bank, Truist, to try to get the transfer cancelled which was unsuccessful. I also filed a police report with the XXXX XXXX Florida XXXX. 

On XX/XX/2023 I submitted a fraud/scam claim with Truist. Truist denied by claim. I tried to find a way to file a claim with XXXX by was directed by the XXXX website to contact my personal bank. 

Truist already has the necessary documentation of the incident and claim.

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 2023-11-14 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: NJ

Complaint narrative:
According to the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 B ), these inquiries appear to lack a permissible purpose on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I understand the importance of maintaining accurate and fair credit reporting, and I am reaching out to request your prompt assistance in rectifying this matter

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 2023-11-14 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: NC

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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 non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ive been in communications with TransUnion about inaccurate personal information on my credit report. Even after notifying them many times about this error they are reporting this incorrect information on my file. Not only is it unfair, its also illegal. Please find 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 non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Before all of this, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. I am filing to formally dispute the information contained in my credit report, specifically regarding the accounts below. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of these accounts being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with these accounts from my credit report. Please remove the negative status and late dates of these accounts : 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, and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: AK

Complaint narrative:
I was placed in an " IDR PROC ADMIN '' forebearance. This means that despite the fact that I am on the SAVE plan, interest is accruing. My payments are currently {$0.00} a month under SAVE, I don't need the forbearance which will just increase my interest and overall balance for no reason. 

I tried calling Nelnet and was unable to reach them due to long hold lines. I sent them an email on XX/XX/XXXX and received no reply as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
TRANSWORLD SYSTEMS INC. Must respond to debt validation letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC
State: IL

Complaint narrative:
I was a victim of identity theft and I have a letter from the federal trade commission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: M1 Holdings Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX as XXXX XXXX XXXX  closed my checking account # XXXX that I paid annual membership oremium fee {$120.00} for this account. I tried to resolve with this financial institution for a partial refund of the M1 Plus membership annual fee since they shut down my checking account without my agreement. 
M1 Customer Service refused to refund a partial unused membership fee for several months after the checking account was shut down earlier before the annual membership expiration. 

I do not appreciate their lack of liability, unethical practices, and corruption with membership fees that they shut down my checking account and did not refund partial premium membership fee I paid for and the membership was unused and not completed in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: AZ

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-11-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
Collection : MIDSTATE COLLECTION SOLU In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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 explanation
Consumer complaint received 2023-11-14 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: CA

Complaint narrative:
A card company duplicated inquiries to pull from my credit multiple times. Resetting the clock on the debt to remain on my credit report longer. I did not authorize this and by law technically my information was used fraudulently. 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. Every since then I haven't been able to receive 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 2023-11-14 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: CA

Complaint narrative:
A card company duplicated inquiries to pull from my credit multiple times. Resetting the clock on the debt to remain on my credit report longer. I did not authorize this and by law technically my information was used fraudulently. 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 Every since then I haven't been able to receive credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
on XX/XX/2023 I requested a reconsideration of a denial to t new application that I made for a separate business credit line. While i requested that I made mention that we are a woman owned small business that has generated consistent deposits on my checking account, I have never made any late payments and kept the account limit decent. a few hours later I received an email stating that my credit card account was closed with no explanation. I had opened that account a couple years prior after giving them secured money for the credit card and converting to nonsecure card after meeting all qualifications. i feel that my account was maliciously and with discrimination closed due to mention of being a woman owned small business. I asked for a small business credit line and then suddenly my credit card was conveniently closed hours later. I have a decent credit score, business generates daily substantial deposits, I have never been late in payments, My credit card was also paid in full weeks prior. My personal credit score has not changed much since they approved the credit card years prior.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit is frozen and yet still has inquiries. No proper debt validation has ever been provided for any negative accounts reporting. These negative remarks are not mine.

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 2023-11-14 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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

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 2023-11-14 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief