vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 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: IL

Complaint narrative:
I recently checked my credit report and noticed that the bureaus have added unauthorized information to my credit 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 non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2023 I noticed an unauthorized charge on my credit card. I contacted Chase Customer Service to report the issue and have the card reissued. The rep on the phone stated she would send the card via XXXX overnight delivery and I should have my replacement card within XXXX business days. This was important to me as I use my card constantly. After XXXX business days with no card received, I called back to Chase and was told by a supervisor that the card was sent regular mail and I should have the card within XXXX business days. I was very upset and asked the supervisor why the original rep said it was being overnighted when it wasn't? He had no answer except that he stated the calls were all recorded and he would look into it. I advised him I wanted this filed within Chase as an XXXX complaint, which he said he would do and that I would hear back from XXXX Management. I did not receive my replacement cards until XX/XX/2023, and I had to use other companies cards in the interim period. It is now 30 days after the issues and I have not heard anything back from Chase yet, either on the delay in the delivery of my replacement card or on the XXXX complaint. I would like the results of their internal investigation about the original employee that lied to me and didn't follow through as I was advised they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2023-12-05 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: CA

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 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Been with capital one for XXXX never have anyproblem with them they decided to closed my account with out my knowledge no letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HF Holdings
State: NY

Complaint narrative:
I ordered vertical blinds from XXXX for {$340.00} on XX/XX/XXXX  The blinds arrived with defects on XX/XX/. I asked for a Return Authorization so I could return the defective product. The refused. After several emails where I provided photographic proof of the defective product, they still would not answer my request for a return authorization. 

I disputed the charge with my credit card company, XXXX XXXX on XX/XX/XXXX  providing them with the email interaction and photos of the defective product. On XX/XX/, they ruled in my favor and reversed the charge of {$340.00}. 

In XXXX, XXXX, I started receiving harassing calls from a collections agency called, HF Holdings , Inc. and on XX/XX/XXXX  they got a collections report for {$340.00} on my XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
My father stole my identity as a kid and a bunch of his stuff is on my report. Wakefield and associates is the collector

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Received a XXXX  's check on XX/XX/XXXX from BofA in XXXX XXXX. Deposited same day at branch on XXXX on in XXXX. This was placed on hold despite this check being fully secured and cash

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 2023-12-05 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: FL

Complaint narrative:
XXXX experienced a major data breach which means everything on my consumer credit report was breached. Please remove these items from my TransUnion report due to inconsistent and inaccurate reporting.

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 2023-12-05 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:
I have a fraudulent account on my credit report, which I reported it to XXXX XXXX, yet XXXX XXXX is not removing this fraudulent account. XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet XXXX XXXX  has refused to do this. The following is the fraudulent account : 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 2023-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have an installment loan with Wells Fargo to replace windows on my home. The date open was XX/XX/. The interest rate is set at 8.99 % Yet each time that I make an on time payments, Wells Fargo takes between 29 % to 33 % of each payment.When I called to ask why. The Rep said I would have to make a larger payment like a {$1000.00}.

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 2023-12-05 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: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Toyota Motor Credit Corporation ( TMCC ) and its affiliate, Toyota Financial Services ( TFS ), is claiming it is owed a past due balance of {$4400.00} by the account holder. However, per TMCC and its affiliate, TFS ' XX/XX/XXXX XXXX report with the Securities and Exchange Commission ( SEC ), page XXXX Secured Notes and Loans Payable section, it conspicuously states that, " We, ( being TMCC and its affiliate, TFS ), securitize finance receivables and beneficial interests in investments in operating leases ( Securitized Assets ) using a variety of structures. Our securitization transactions involve the transfer of Securitized Assets to bankruptcy-remote special purpose entities. These bankruptcy-remote entities are used to ensure that the Securitized Assets are isolated from the claims of creditors of TMCC and that the cash flows from these assets are available solely for the benefit of the investors in these asset-backed securities. '' It appears that the two applications submitted to purchase/lease two automobiles from the XXXX Toyota dealership in XXXX, New Jersey in XXXX XXXX XXXX TMCC and its affiliate TFS, purchased the commercial/chattel paper ( applications ), collateralized them, then transferred and converted the commercial/chattel paper ( applications ) into tradable securities to be sold and traded in the open and/or private sector markets to which I have received no benefit. Regardless of what TMCC, TFS and their affiliates claim, withholding access to my securities is securities fraud, in which I am entitled just compensation to. TMCC, TFS and their affiliates knowingly and willfully operated in dishonor, unjustly enriching themselves with unclean hands. Behaving in such manner are severe violations of federal law. If we are unable to reach a settlement agreement within XXXX XXXX XXXX XXXX days, I will have no other option than to hold them accountable for their actions to the full extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am a victim of identity theft. I was notified on XX/XX/XXXX that my credit report had a derogatory mark. Upon calling the apartment complex ( XXXX XXXX XXXX ) in Texas, I was notified to call the debt collector ( COLUMBIA DEBT RECOVERY LLC DBA GENESIS ). Upon calling them, I requested the dates, location, and how they were approved. I was told the dates were XX/XX/XXXX of XXXX through XX/XX/XXXX of XXXX and that it went to collections in XX/XX/XXXX of XXXX. This person was approved for the apartment based off of bank statements through XXXX XXXX XXXXXXXX. However, I do not have a XXXX XXXX XXXXXXXX account. I was then notified that they owe {$5000.00} for not paying the apartment address of XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, Texas, XXXX. I have never lived in Texas, nor have I allowed or co-signed for anyone to live in Texas under my name. They used my social security number, however, they showed invalid bank statements with my name on them to be approved for the apartment. I have filed a police report and have already created a dispute with XXXX. The police report number is : XXXX. I can also provide dates of me living in California from my bank statements, rental agreement from the apartment I was living in, my drivers license, and my passport. I have attached proof of where I was living during these times in california, as well as the police report, and the CDR Correspondence of what the debt collectors are saying I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OR

Complaint narrative:
I was under the impression that I had to reapply annually for my XXXX plan - so I reapplied in XX/XX/XXXX. However, I apparently did not need to reapply until XXXX of XXXX. Because I prematurely submitted an application that was approved I now owe $ XXXX instead of $ XXXX. I have reached out to my servicer ( MOHELA ) multiple times, sat on hold on the phone for hours ( including right now ) only to be told that they have no way of reverting my loans back to my previous status. I was on the phone for about XXXX hours on XXXX, sent a message to them through their portal on XXXX, and am currently on the phone with them XXXX for almost an hour and still waiting. They continue to deny having any ability to change my loans since my application was submitted and approved. I have been dissuaded by multiple representatives from speaking with a supervisor, and have yet to reach one because of the incredible wait time. 

I do not see how this is fair. If I owed {$0.00} per month until XX/XX/XXXX when I would be required to resubmit my application I should not HAVE to pay until then, but MOHELA refuses to work with me. I am also on the XXXX program, which means any qualifying payments count towards the program - I would like for what should be {$0.00} payments until XX/XX/XXXX to count towards the program qualifying payments. 

This is a huge increase in what I owe monthly based on their lack of clarity on when I was required to reapply. Nobody at MOHELA is able to tell me exactly why they can not revert my loans back to their previous status. Nor have I been successful in speaking with a supervisor after being sent through multiple representatives who have not been helpful or encouraging.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: HI

Complaint narrative:
I applied to the new XXXX repayment plan in XXXX of XXXX. I contacted Nelnet in XXXX after receiving a giant bill to repay my loans and after waiting on hold for over XXXX hours they answered the phone. I was told my application was under review and I would need to wait for a request of XXXX dollar payment to change plans. The woman told me they would send the email by early XXXX at the latest. I told her the bill shows I owe a massive payment that I can not afford. She said well you dont actually owe that we just have to process your application. I told her legally it shows I do owe that, and you could ruin my credit or worse by sending me bills prematurely. She assured me that I didnt owe that amount and I would have my application completed promptly. I havent received any information or emails from since then and I can not get anyone to answer the phone for days. This is beyond unacceptable. No one has XXXX hours to wait on hold. This is predatory and should be investigated. How could the federal govt select this terrible company to take over student loan debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XX/XX/XXXX  : I woke up to multiple text alerts telling me about potential fraudulent purchases on my Captial One XXXX credit card. The first text showed an international purchase of {$740.00} at company called XXXX XXXX. The text asked me to verify if I made this purchase. I responded with a text stating NO. At that point, that purchase was denied and my card was locked. I saw there were three more purchases from the same vendor ( XXXX XXXX ) that were pending ( {$76.00}, {$76.00}, and {$93.00} ). I immediately called Capital One and filed a fraud complaint about all four charges that morning ( XX/XX/XXXX   ). I was told that a fraud investigation would occur and that they would cancel my current credit card number, and mail out a new credit card. 

XX/XX/XXXX  : I received an email from Capital One stating I had a follow up letter about my credit card fraud. I logged into my Capital One account and read that Capital One 's investigation " found insufficient evidence '' of fraud and so I was responsible for the three fraudulent charges. I called Capital One and talked with 3 levels of management who stated that my physical chip card was used to make these purchases. I told them it was not possible because I'm the only one in possession of the card ( and still am ). The charges occurred roughly around XXXX ( AZ time ) on XX/XX/XXXX and I was asleep in bed. Capital One also stated that the purchases were for " Mens/Womens clothing '' and the sale was completed out of XXXX XXXX . I denied making any of those purchases but they said since the physical chip was used it had to be my card. I stated that obviously criminals can now make duplicate chips because I didn't make those purchases and was still in possession of my card. I tried to point out that the total of the four charges added up to {$990.00}, like the actual criminals were trying to keep it below a {$1000.00} threshold. Capital One asked me if I had used it to make a physical purchase at a swap meet or something similar that morning, and once I again I stated I did not because I was still in bed and it wasn't even daylight yet in XXXX AZ. They refuse to credit me {$240.00} for the three remaining purchases. I do not want to be responsible for these fraudulent purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I noticed these unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: IL

Complaint narrative:
I noticed these unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-05 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: MD

Complaint narrative:
Today, XX/XX/, I sat on hold with Nelnet for approximately 2 full hours before an agent even answered my call. When he finally answered, I inquired about why my payments are being applied 100 % to interest and not principal. He advised me that he did not know why and that that should not be happening. I also inquired about my interest rate being higher. He placed me on hold again for approximately 10 minutes and the line went dead, ON THEIR END.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: NC

Complaint narrative:
Unifin working on behalf of XXXX XXXX XXXX XXXX Unifin has called me several times from several different numbers about several different credit cards for XXXX XXXX XXXX XXXX. 

While there are several accounts, they are all collecting for the same collector. I advised the representative yesterday to place me on a do not call call list and to not call me. They continue to call and send me text messages and its too much. Sometimes they call 4 and 5 times in one day. 

XXXX ( text messages ) XXXX for XXXX XXXX XXXX, I advised the caller that I told them to stop calling on XX/XX/XXXX  and he did not have anything on file. 
XXXX for XXXX XXXX ( they called today after they were told on XX/XX/ to stop calling ).

Company response to consumer: Closed with explanation