vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
Hello good afternoon my name is XXXX and I was sent {$35.00} from the US at payment from a job I did. Eventually my friend sent me the money, and used the cash pickup method, I went to all the banks I knew had Western Union to cash out the money and I had my mtcn number with me the bank told me that Western Union service was down so I called my friend and then she canceled the transfer so she could send it another way she then found out that a transfer would take 7 days to arrive we have been waiting for over in months now and the refund has not been processed I do not know what to do and we have tried every means to contact them and she has evidence of that Western Union has blatantly refused to contact her in return or even give us information on how we can redeem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: OH

Complaint narrative:
I have not been able to login to the Nelnet website to access my account or pay my bill for two weeks now. 
I made a payment in early XXXX and signed up for the XXXX plan. They sent me an email that I need to make a payment to finalize the XXXX plan application and now my login information does not work. I changed my password, new password doesn't work. Call their customer service number and am on hold for over an hour, I can not stay on hold that long since I can only call on my lunch breaks. Sent in email asking for help, they ask what browsers I used, I supplied that information and then their response back is that my request is too difficult and I should call them, which I already tried to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I decided to purchase shoes and clothes for my family from this website called XXXX I deposited {$440.00} so I can order the clothes I wanted I wait for agent to submit orders to vendors then finally they ship out my package after paying over {$200.00} for shipping Once my package arrived in the mail and I unpacked everything I noticed right away these shoes have horrible defects glue stains on midsole the soles themselves are coming apart in two pieces I can see where they begin to separate I check the shirts I was sold I noticed the quality was horrible on this XXXX  T shirt I purchased this pair of XXXX XXXX and I find not only did they ship me the wrong pair I needed a size XXXX and I received a size XXXX men so these are unwearable the rest of shoes are horrible they smell like very stinky glue and I decided to wear one of the shoes around the house and right away the make loud squeaky noises I purchased real XXXX shoes and they definitely dont make that noise I was really upset with this haul the quality on all of the goods I ordered were horrible versions of the real non XXXX  shoes I wanted to return these horrible quality shoes but I read online its a nightmare having to return these shoes Id have to pay another {$200.00} to ship these back to XXXX  and I didnt want to break the law by shipping out fake XXXX  items 18 USC 2320 : Trafficking in XXXX  goods or services. So I decided to open a dispute with my credit card provider chase regarding this I explained my entire situation and chase ended up siding with XXXX saying charge was valid after I explained 1 pair of shoes were missing and 2 T shirts on top of fact these are horrible quality fakes I cant possible wear these shoes in public The glue they used makes a squeaky sound when I tried them in my house this is the first and last time I use XXXX and Im upset with chase dispute process with protecting the customer Im honestly thinking of paying off my statement balance and closing the card if chase is unable to assist in disputes XXXX card is heaven sent when it comes with disputes Im not sure why chase doesnt respect their customers I simply just want my money back for these horrible XXXX goods I purchased I cant ship them back because thats against the law and I would have to pay out of pocket {$200.00} if XXXX wants to provide a label and have XXXX pickup the package because I will not get involved with shipping XXXX  goods out the us Please contact chase regarding this dispute its unfair they just close out the dispute on the customer and side with the merchant Unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-03-27 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Subject : XXXX XXXX Caine & Weiner Company for Violating Consumer Financial Protection Laws ] Dear Sir/Madam, I am writing to file a formal complaint against Caine & Weiner Company for violations of consumer financial protection laws. The company 's actions have directly contravened the following regulations : 12 CFR 1006.34 ( b ) ( s ) - Failure to provide accurate information to consumers about their rights under the Fair Debt Collection Practices Act ( FDCPA ).

12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Harassment or abusive conduct in the course of debt collection, including repeated phone calls and threats of legal action.

12 CFR 1006.34 ( d ) - Failure to investigate and respond to consumer disputes regarding the validity of debts.

15 USC 1681-S - Violations of the Fair Credit Reporting Act ( FCRA ), including inaccurate reporting of consumer credit information.

Despite multiple attempts to resolve these issues directly with Caine & Weiner Company, they have persisted in their unlawful practices, causing significant distress and inconvenience.

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these violations and take appropriate enforcement action against Caine & Weiner Company to ensure they comply with federal consumer financial protection laws. 

Thank you for your attention to this matter. I look forward to a swift resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : WELLS FARGO BANK Account number : 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 2024-03-27 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: NV

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-03-27 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : NAVY FEDERAL CR UNION Account number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: CT

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. 

Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 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 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I initiated a transfer with Citizens from XXXX on XX/XX/24. Money was withdrawn from XXXX but within XXXX hours of initiating the process, I got an email from Citizens that the transfer could not be completed. In the email, it says I should receive it back to my XXXX account within 3-5 business days and its been over 6 business days and I still have not received anything. In the email, it also says I have to call XXXX to request transfer be returned. I called XXXX and they said theres nothing they could do, everything is handled by citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
First, I contacted the Amsher Collections department on XX/XX/XXXX who could not provide any information and stated that the account had been turned over to XXXX XXXX XXXX Firm ( which is located in Alabama ). I have never been to Alabama and live in XXXX GA. 

I then called XXXX since they placed this on my credit report. They did provide the account number : XXXX and stated that they had my correct birthday and my new address ( XXXX XXXX XXXX, XXXX, GA XXXX ). I found out that XXXX XXXX was bought by XXXX and I feel like they will continue to place this on my credit report because of the buyout. I am furious because they will continue to do this if another company buys XXXX. They must be stopped from placing this on my credit report from now on. I had this same company do this around XXXX XXXX and I filed a police report with the XXXX XXXX Police Department ( where I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA at the time. Since then I have moved to XXXX XXXX and was told to go file a complaint with the XXXX XXXX Identity Fraud Department along with the Federal Trade Commission ( which has already been done ). 

The law firm was NO help at all and said it would take time. Last year in XXXX, it did not take this long. This is messing up my good credit and I need this company and any future company to remove ALL my information like date of birth and address. If not they will continue to do this to me. I will have documents to prove that they did this is XXXX and just recently if you need them. Please help me because I am livid and trying to maintain my sanity over this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: NV

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-27 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:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-03-27 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:
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.

has violated my rights. Or a list of inquiries : 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 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 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 2024-03-27 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: GA

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.

has violated my rights. Or a list of inquiries : 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 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 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 2024-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I have had a credit karma account for a few years and have deposited funds into my savings account every month. I have over XXXX in savings and checking and until recently had no problem accessing my account. In XXXX my email and password had changed and I tried to contact them to help me. I read the directions on line, contacted them again, used their chat help. Contacted their customer service number which is useless. They have told me my case has been escalated and that means nothing because I have not received an email or my funds. I have been waiting over 3 weeks and this is ridiculous. I have submitted my id to verify my identity. I don't know how else to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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