vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
NELNET -Requested a refund for XXXX dollars on my XXXX consolidated student loan. Was told 7-10 for it to be approved. Per the CARES act, all payments made after XX/XX/XXXX can be refunded. Now I call and get differing information everytime I call. Sometimes it is the balance will reflect only when the check is issued. Sometimes it is the balance will reinstate and the check will be issued 2-4 weeks after. 

Would like accurate information and also to have my balance reinstated and also for my refund check to be sent. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
Applied for the loan and was contacted to provide documentation. I am currently on XXXX XXXX military orders and had no problem providing all the information that was requested. I sent XX/XX/XXXX bank statement, pay stub for pay date XX/XX/XXXX ( most recent ) and front and back of ID. 

I was then told that it had to go to underwriting because I was in the military. Again, no problem. They came back and said they needed a pay stub that said " mid month ''. I say okay. I send them my stub for XX/XX/XXXX & XX/XX/XXXX. They come back and say the loan is approved but they need to verify income ( again ) and ask for access to my bank account to verify income as if the bank statement with both XXXX direct deposits and the 3 pay stubs weren't sufficient. 

When I asked again what the issue was, I was told that my income doesn't add up and the information underwriting needs isn't present on my stubs. 

In my opinion, their underwriting team does not know how to accurately read a military XXXX. They are telling me that the information they need is NOT on my federal pay stub which is completely absurd. 

I've dealt with a different branch location for Onemain before and never had any issues and I'd appreciate someone looking into this matter to ensure other military members do not experience the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
Cash app list my account I had XXXX dollars in my account I accidentally made a new account with the same email and phone number now they can't find my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
TD BANK USA/TARGET CREDIT did Hard Inquiries on XX/XX/2022 without my notice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines Pages 2-2, 5-14, and 6-50 SEE ATTACHED. I am demanding you remove this item immediately. XXXX XXXX, account number : XXXX. This account is being reported illegally. If not removed immediately, Account name : XXXX XXXX Account Violations : ( 1. ) Correction : Account should be reporting monthly-SEE ATTACHED ( 2. ) Correction : There are no Recent Balances on Charged Off accounts-SEE 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 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA XXXX XXXX Violation misleading false reporting XXXX XXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXXXXXX FDCPA section XXXX Violation misleading false reporting XXXX XXXX XXXX XXXXXXXX Account : XXXX FDCPA XXXX XXXX Violation misleading false reporting XXXX XXXX XXXX  XXXX Contacted creditor/Agency ask for proof of validation. It's been more than 30 days and no response. 
XXXX XXXX XXXX Misleading false information This a HIPPA violation you can not report health information on my credit report XXXX XXXX XXXX XXXX XXXX USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX XXXXXXXX FDCPA false misreporting, Instructions : Update to paid current as agreed. I was never late this is a violation to my rights as a consumer. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA XXXX XXXX Violation misleading false reporting XXXX XXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXXXXXX FDCPA section XXXX Violation misleading false reporting XXXX XXXX XXXX XXXXXXXX Account : XXXX FDCPA XXXX XXXX Violation misleading false reporting XXXX XXXX XXXX  XXXX Contacted creditor/Agency ask for proof of validation. It's been more than 30 days and no response. 
XXXX XXXX XXXX Misleading false information This a HIPPA violation you can not report health information on my credit report XXXX XXXX XXXX XXXXXXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX XXXXXXXX FDCPA false misreporting, Instructions : Update to paid current as agreed. I was never late this is a violation to my rights as a consumer. 
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 non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: AXOS FINANCIAL, INC.
State: NY

Complaint narrative:
XXXX Axos Bank, XXXX XXXX, CA XXXX. Our normal communication is by regular US postal mail or my regular email. CD account matured on XX/XX/2022 & requested to close the account on XX/XX/2022. I was told to send them a " confidential '' e-mail of the bank to close the account ( they refused to do it over the phone ). 

Two weeks later, I heard no response. I called the bank & was told that they had sent me a response through the " confidential '' email. You have to dig deep into their web site to find this " confidential '' email. Essentially, they stated that they will send me a paper check which will cost me {$10.00} or by XXXX {$50.00} +. MY interest of the CD account is only about {$100.00}. Since I passed their Grace period there will be another penalty of {$60.00}. Since you have other account, I will waive the {$10.00} check fee but you still have to pay the {$60.00} penalty to close the account. 

First of all, I did not start with Axos bank. I started with the XXXX XXXX XXXX which was bought by AXos. Their action is illegal and is an act of highway robbery. It makes one vry difficult to close a CD account which has the lowest rate in the country. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA section 807 Violation misleading false reporting XXXX XXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXXXXXX FDCPA section XXXX Violation misleading false reporting XXXX XXXX XXXX  XXXX Account : XXXX FDCPA XXXX XXXX Violation misleading false reporting XXXX XXXX XXXX XXXXXXXX Contacted creditor/Agency ask for proof of validation. It's been more than 30 days and no response. 
XXXX XXXX XXXX Misleading false information This a HIPPA violation you can not report health information on my credit report XXXX XXXX XXXX XXXXXXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX XXXXXXXX FDCPA false misreporting, Instructions : Update to paid current as agreed. I was never late this is a violation to my rights as a consumer. 
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 non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX. The reason I opened up the account with 5th 3rd Bank was because of the bonus plus the advantage of not having overdraft fees. It was all untrue and I have been charged 11 overdraft fees {$360.00} in fees plus they charge 3 fees just for overdrafting once. So overdraft for {$50.00} and they charge you {$97.00} dollars. I have reached out to them twice and they refuse to reverse the fees. Here is the link of their false advertising about charging no fees. https : XXXX Thanks so much! 
XXXX XXXX XXXX XXXX Bank Name 5th 3rd Bank Bank Location : XXXX XXXX XXXX, XXXX, GA XXXX Bank Phone Number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I DID NOT AUTHORIZE ANY OF THESE INQUIRIES JPMCB CARD SERVICES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
United Wholesale Mortgage transferred my loan to XXXX Mortgage. I called to find out how to discontinue the auto pay i had established with them. I was told that it would automatically be disconnected and no further payments would be automatically collected. So i issued a payment to the new mortgage company which was processed XX/XX/22. Then on XX/XX/22 XXXX took another payment thru auto pay which i never set up with them. I never gave them my checking account info nor permission to automatically take any payments. United wholesale disbursed my personal account information nationstar and they basically used it to steal money from my account that i did not owe them. I believe they both are in violation of using my personal info to steal money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XX/XX/21 XXXX Called & mailed Equifax with a disputed it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I had applied for a new credit card with the bank, and got approved, and a physical card was sent to my home address ; however, I had to go abroad, and so I could not access the physical card. I then got the bank to issue me a replacement card to be sent to a XXXX office in the city I am in. I was assured that I would be sent notification when this would happen, but I have not received any notification, and when I called to ask about the tracking number ( i.e., so that I could contact XXXX ), I was given the royal run-around. The representatives that I have spoken to are all woefully trained to deal with my case, and I have no idea what's going on. I have tried contacting the bank 's executives, but all that does is get some incompetent customer-service rep to call me, and I still get no resolution. 

I was also promised that I could set up a virtual card that would be used with a phone, but when I tried to do so, I got an error, and the " senior technical assistant '' told me that the bank would not do a work-around while its error gets fixed. 

Both of these situations are counter to the marketing that the bank says that it can do for its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
this was the companies stall tactic this what they sent me, so I attached my drivers license, Bank Statement and a copy of my social security card I'm submitting it thru here to make sure they get it they keep telling me they have not got it thru the mail sent XX/XX/2022 I want them to update there file so I can get all this fraudulent accounts blocked and deleted which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now My identity was stolen me and my family of XXXX will be facing XXXX  due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft XXXX  XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX My Name should only be listed as XXXX XXXX all other names should be deleted my correct address is XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX all others should be deleted to prevent further fraud and any mail sent there with any dispute information my only phone number is XXXX all others should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2022, XXXX submitted erroneous information to Experian, which caused my credit score to decrease and jeopardized a real estate home transaction. I haven't used the card in question, and XXXX submitted incorrect data with a 93 % utilization. XXXX acknowledges that my information is listed correctly in their systems but refuses to correct it with the credit agency promptly.

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 2022-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2021 someone applied for a Credit Product with XXXX XXXX issued by Synchrony Bank.

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 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a natural person, I am a living human being I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, my name is XXXX XXXX. This complaint is regarding Chase Bank. I was scammed by XXXX XXXX XXXX ( E-commerce dropshipping company ) by sending XXXX XXXX wire transfer of XXXX on XX/XX/2021. However, Chase bank did little to stop it : Before wiring money to XXXX XXXX XXXX, I did my due diligence to verify XXXX XXXX XXXX. At that time they were banking with Chase. I collected all the account info from XXXX XXXX and verified their business account with Chase. Representative from Chase said that its a valid business company, hence leading me to wire XXXX investment to XXXX XXXX XXXX XXXX did I know that XXXX XXXX is a scam. I have been trying to contact XXXX XXXX XXXX via text, emails and phone calls to no avail. I called Chase to recall the money from XXXX XXXX but they were not helpful. Their response was there was nothing they could do XXXX XXXX XXXX withdrew funds and closed their account with Chase after the wire transfer was made. How could Chase be so negligent and careless to transfer XXXX XXXX funds out and close their account after a big wire transfer was made. It should raise a red flag to Chase that something is wrong. I'm sure I'm not the only scam victim in Chase that had money wired to XXXX XXXX XXXX. And yet Chase proceeded with XXXX XXXX account closure and now Chase claims they can not recall funds. It's just pure negligence. I filed a separate complaint about XXXX XXXX XXXX on this site. 
I was also informed by different agencies that banks have fraud insurance to pay out clients who were victims of scam after investigation. In my case, Chase does not even want to help me out by tracking down where the funds of XXXX XXXX was transferred to. They don't even want to open up a claim with their fraud insurance to do an investigation. That is just pure negligence and carelessness on behalf of Chase. Please help me. I would greatly appreciate it. Thank You!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Unverified Inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
2. Unverified Inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
3. Unverified Inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. Unverified Inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
5. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
6. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
US DEPT ED Account Number : XXXX Delete this account. 
9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/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