vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Continental Services Group, Inc. d/b/a ConServe
State: NC

Complaint narrative:
I attended XXXX XXXX for a very short amount of time, maybe only one semester. I am trying to attend another college so that I can actually have a decent job and afford to pay my loans make. They are holding my transcripts which are needed to attend any college. This is holding me back from being successful. If they don't release my transcript by XXXX, I will have to wait all the way until XX/XX/XXXX to get into the program I want to get into just for classes to not begin until XX/XX/XXXX. I do understand that starting in XX/XX/XXXX colleges can no longer hold transcripts but I can't wait that long. I have all the classes needed and they are holding me back from making money and helping my family and it's sad. They won't accept my offer to create a payment plan to release my transcript right away. Instead they want the full {$4700.00} balance to be paid. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: Nelnet, Inc.
State: IL

Complaint narrative:
I am using this entity to demand payment for violations before I file a suit in federal court. Earlier this year I received an email stating that my Great lakes student loan was being transferred to Nelnet. I requested by email that Nelnet send me the alleged contract that I have saying that I will pay them. I do not believe I owe them {$22000.00}. I believe they have knowingly and willingly cause me harm by reporting to the Credit Reporting Agencies without my written consent. According to 15 USC 1681 I do have the right to privacy and no entity should be reporting anything on my behalf to a reporting agency without my written consent. Nor should they attempt to collect since there is no UCC 1 financing statement listing me as the debtor ( I have checked with the Illinois Secretary of State. I also believe that TILA have also been violated and that the securitization of the ORIGINAL contract has been laundered. Even though the email states they share the same " parent " company ', I never authorized this transfer, nor did I authorize anything to be reported on my behalf. Nelnet did send notices that I allegedly owe THEM money, nor did they or Great Lakes tell me that any money paid unto them would be put into a trust. Again, this is a violation of TILA, FDIC, and FCRA as I have no contract with them. Please pay me a total of XXXX which I'm entitled to twice the finance charge for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: GA

Complaint narrative:
I have been trying to get XXXX, Transunion, and XXXX to send me a copy of the following : Method of Validation, Method of Verification, and Proof of Ownership of the account from either the 3 agencies or the Creditor itself. I am unable to receive any of these items and it causing a hardship to financials. I went ahead and made a complaint concerning the account to several other agencies that govern XXXX XXXX XXXX XXXX 
I have attached a complaint from the FDIC and the Mortgage and Savings Department of Texas for violating my rights.

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 2023-12-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
In the collection of this alleged debt I have confirmed with XXXX XXXX XXXXXXXX and XXXX that the account reporting to my consumer report is reporting inaccurately. The company has clarified that the collection agency if willfully reporting the balances and dates to deceive me and the credit agencies, who are financial institutions by law. 

Furthermore, I am being told that by XXXX XXXX XXXX that this account has been close with their office and charged off and that the 1099 for the IRS would be provided by IQ. Data International. Since this debt has been charged off it is income and needs to be reported. Otherwise, both companies are doing fraud and being deceptive. I am needing the 1099 filed for this debt and IQ Data international EIN for tax purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act Capital One has violated my rights under 15 USC 1618 section 6 o 2 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have dispute the late payment inaccuracies of this creditor XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX ; directly with the creditor as well as with XXXX, XXXX, XXXX and XXXX XXXX. I requested bank transactions of proof that I was late, the creditor I never sent the proof, and it took over 30 days to perform investigation. The creditor has also re-age my accounts. They didn't verify the date last active. This account was closed XX/XX/XXXX, and paid off XX/XX/XXXX. However they added additional late payments between XXXX. I made final payment on XX/XX/XXXX, as a result this creditor wrote me a check for a {$40.00} over payment and did not report that correctly either. According to the response of their Senior Specialist, XXXX XXXX on XX/XX/XXXX ; they are reporting correctly, but in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 604 A section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I have requested multiple time that this account be updated, corrected and removed form my consumer report. None of the credit bureaus have completed a full proper investigation, they just allow this creditor to say yes they are reporting correctly.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was informed by XXXX XXXX XXXX XXXX XXXX credit card taken in my name with a balance of {$7000.00}. I never had any accounts of any kind with XXXX XXXX. I reported the matter to XXXXXXXX XXXX. I received a XXXX XXXX letter dated XX/XX/2023 acknowledging my claim of fraud and stating that no further action on my part is required. 
I received no further information and the XXXX XXXX  balance continues to appear on two of three bureau reports. 
XXXXXXXX XXXX will not work with XXXX XXXX to resolve the matter. 
I filed an FTC fraud report, which includes a copy of the police report with XXXX police that I filed. 
I made repeated calls to XXXX XXXX. On one call, made more than 10 business days ago, I was told I would receive a letter from XXXX XXXX. I received no letter. I can not find from XXXX XXXX  what the letter is supposed to say, or how to resolve the problem.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As a request of your organization, the letter will be mailed to the following organizations. 
US Department of Justice XXXX XXXX XXXX, XXXX Washington DC, XXXX Dear sir, Upon the request of the Consumer Financial Protection Bureau ( CFPB ), I would like to share the complaint, which was submitted to CFPB previously. 

Sincerely, -- US Department of Justice, XXXX XXXX XXXX, XXXX, Washington DC, XXXX -Federal Trade Commission New York Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX -US District Court for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX Supreme Court XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX -Federal Communications Commission Consumer and Government Affairs Bureau Consumer Inquiries and Complaints Division XXXX XXXX XXXX XXXX Washington DC XXXX XXXXAdministrative Conference of the United States XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Washington DC XXXX XXXX XXXXNew Jersey Office of the Attorney General XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA 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 2023-12-19 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: DC

Complaint narrative:
These Companies Used My Information Without My Consent.

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 2023-12-19 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: DC

Complaint narrative:
These Companies Used My Information Without My Consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX a letter was sent to Equifax, XXXX and XXXX requesting debt validation and method of verification with all supporting documentation bearing my signature. To this date there has been no documentation provided and no response from the credit bureaus. This shows that XXXX, Equifax and XXXX are not complying with their own policies to report accurate information, provide validation and method of verification along with all supporting documents in a timely manner this is a clear violation of my FCRA and FDCPA rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: EdFinancial Services
State: VA

Complaint narrative:
I was double charged for the amount of {$1000.00} and now my account is in negative balance. I contacted EdFinacial on XX/XX/2023 and they said they would refund me and it has been almost 3 weeks. I asked them again on XX/XX/2023 what is going on and they will provide no update on the status of the refund. 

As seen below, my total original principal for both loans is {$1000.00}. I was double charged for the amount of {$1000.00} on XX/XX/2023 after making a one time payment to pay off the balance. 

Based on the negative balance, I am actually owed {$1100.00} but i feel the double charge needs to be handled most promptly. 

I filed a dispute with XXXX  XXXX XXXX on XX/XX/2023 as well due to how slowly this is being handled. 

Unpaid Principal - {$1000.00} Unpaid Interest {$0.00} Current Balance - {$1000.00} Interest Rate 4.990 % Original Principal {$930.00} Unpaid Principal - {$120.00} Unpaid Interest {$0.00} Current Balance - {$120.00} Interest Rate 4.990 % Original Principal {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: DC

Complaint narrative:
I bought a VISA Vanilla Gift Card at XXXX XXXX on XX/XX/XXXX at XXXX for {$500.00} and paid an activation fee of {$6.00}. I attempted to use the card the same day, but the purchases were denied. I attempted to register the card and upon registering I had discovered that the funds were depleted by " XXXX XXXX. '' On XX/XX/XXXX at XXXX, I sent XXXX an email alerting them of the possible fraud on my account. I did not receive any response from them until a month later when they claimed that I did not have an account with them, and I should tell them the email or registered addressed. I don't have a registered account with XXXX and found the correspondence rather confusing. 

On XX/XX/XXXX, I also called Incomm to inform them that the prepaid card had been used fraudulently. They told me that I had to wait for the transaction to post before disputing, so I waited until XX/XX/XXXX and submitted a complaint # XXXX. 

I followed up two times with Incomm and they told me my case was being worked. 

Today, on XX/XX/XXXX, Incomm denied my dispute claiming that there was insufficient evidence. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Real Time Group, Inc.
State: NY

Complaint narrative:
I had a second mortgage with a company called XXXX. I made on time payments. My automatic payments are now being collected by a debt collection company called Real Time Resolutions. The problem is I have never been late or in default with my payments to XXXX. XXXX surrendered their license in XX/XX/2022. I received a letter stating that the statute of limitations has run out on this debt. I am disputing this debt. I should not be in collections for a debt that I was consistently paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: FL

Complaint narrative:
[ Kraken Stole My XXXX Crypto Deposit ] On XX/XX/2023, I deposited unsupported crypto in my Kraken wallet. Just to clarify, this is not about me making a mistake sending crypto to an unsupported chain/network/address. I made the exact same type of deposits at other exchanges and had no issue. It's just Kraken. 

K

raken is exercising control over personal property belonging to me and is interfering with my right to possess it. Nothing in Krakens Terms of Service states that any unsupported deposits will be forfeited. Therefore, I am requesting that Kraken return my personal property in a reasonable amount of time in order to prevent any further financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: OH

Complaint narrative:
I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I am looking for more information about an account I opened with Ally Financial.

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 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
1 ) My sister, XXXX XXXX, holds a Capital One credit card. XXXX is not well and I applied to Capital One to become Power of Attorney for XXXX XXXX credit card, carefully following the instructions in the " Capital One Power of Attorney, Conservator, Guardian Request Guide '' which I found online, and sending them the required documents, including a copy of the signed and notarized Power of Attorney and a copy of my State of New Jersey driver 's license. 
2 ) Capital One rejected my application, writing " Copy of valid government issued ID for attorney-in-fact/agent was not provided or not legible. '' 3 ) I then made a better copy of my driver 's license on a high resolution copy machine at my local library ( rather than on the home copier I had used the first time ) and sent that along with a copy of my passport to Capital One. 
4 ) Capital One again rejected the application, for the same reason. 
5 ) I called Capital One at the phone number provided in their rejection letter ( XXXX ) to find out what the problem could be with the copies I provided. I provided the case number in Capital One 's rejection letter, XXXX. The Capital One representative said he could find no record of this case number and could not speak to me about the account because it belongs to my sister and not to me. This of course is accurate, which is why I am trying to get Capital One to accept the Power of Attorney. Further, the Capital One representative advised that he did not know how to connect me to the Power of Attorney department and could not provide a number for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
All student loans have been fully paid off. 

Ed financial has refused to report updated information to the Credit Bureaus. Ed financial is still reporting balances that have been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
A dispute on a company for {$4400.00} was initiated on XX/XX/XXXX. I made the order from that company 2 weeks before and they never sent me any information about an order confirmation or tracking number or anything of that nature. They did not even ask me for a signature on delivery for such an extremely large order. I never received my order after waiting 2 weeks and getting no support or updates from the company I purchased it for so I finally decide to initiate a dispute with my Amex card since the company never shipped my items. Amex at first gave me a temporary credit for this order. I was very pleased with the outcome. Later on, the company started talking to Amex saying they shipped my order but not telling me anything. Where was this information when I made the order? I would've taken a day off of work to get this order and sign for it because this was a large amount in savings for me but no I get no communication from the company that I made an order and it shipped and no tracking number or signature required. The company provides amex some random tracking number and shipping information which doesn't even look like mine and Amex sided with them. I still have yet to receive any of my packages. I am confused and saddened by this and I reopened the dispute explaining that I was never given any information on this order and Amex once again ruled in the favor of the company. This is very unfortunate. I thought Amex was suppose to protect it's customers but I wasn't protected from a very shady company that did not ship my items to me and take my money. This is not the experience I want from Amex and I am very dissapointed and disheartened by this whole situation as a cardholder of 5 years.

Company response to consumer: Closed with explanation