vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 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: DE

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Finance ) 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: Experian Information Solutions Inc.
State: DE

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Finance ) 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 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 explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
At end of loan period Wells Fargo ( WF ) notified customer last payment will be additional interest of {$850.00} plus outstanding balance of XXXX ( Total {$1500.00} ) because payoff was not made in full prior to end date. Note : All payments made on time or early no lateness as agreed.. XXXX ( me ) contacted WF and talked on phone to ( 3 ) different WF Customer Service people about SURPRISE interest. XXXX advised WF this {$850.00} will not be made. Eventually Hi Level Cust Service Mgr agreed loan amount of {$680.00} paid now will satisfy account outstanding balance and close account. This amount had been made previous day XXXX and was agreed as XXXX account balance will be XXXX when payment is received ( mailed previous day ). WF claims payment was received on XXXX  ( processed date I am sure ) and reneges on previous agreement claiming the payment MUST be received the same day offered ( XXXX ). No such fact discussed previous. She lied. Made up condition. Account is paid in full. XXXX XXXX XXXX XXXX'. Asked for confirmation of this or WF can proceed with whatever action. 
XXXXXXXX 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 monetary relief
Consumer complaint received 2023-11-21 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: NJ

Complaint narrative:
I was scammed on XX/XX/. 

Same date I contacted the seller and was met with hostility when I asked for a refund. I informed Captiol One about the scam and disputed the charge. Captiol one told me they will temporarily refund me the charge. 

XX/XX/XXXX, Captiol one temporarily refunded me the charge. 

XX/XX/XXXX Seller told Capitol one there are no refunds. Capitol one took back the credit they issued. 


XX/XX/XXXX I provided a very detailed letter explaining how I got scammed and how this proof is all over online to capitol one. 

Detailed letter is attached in the notes XX/XX/XXXX. 
I received news from Capitol one telling me I didnt have enough information therefore they wont credit my the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: IL

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Over the past couple of months Bank of America has let my account be hacked 4 times. Now they are holding {$400.00} of mine that was stolen from a fraudulent transaction and now I cant pay my bills until they give it back. At first they told me Id be refunded in 24-48 hours and its well past that time frame. Now say they will not give it back until XX/XX/XXXX. This is putting me in a tough position and my phone is going to be shut off unless I get the money. Why do you let these people run over the little people like this? {$400.00} is nothing to them but its causing many problems for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I applied and received a Platinum Citbank XXXX XXXX XXXX  credit card last year. I never used the card and do not plan to do so, and closed the account last week. I was told by the phone representative that the annual fee would be erased and nothing more was required. However, I continued to receive daily phone calls from Citibank leaving messages saying it was about my card and when I called back, I was told they were calling " to collect a debt. '' I had to speak with three different representatives to get it cleared up. I finally spoke with someone today named " XXXX '' who confirmed the fee was erased.The first twXXXX representatives with whom I spoke claimed I still owed the fee and offered to collect it over the phone. This seems extremely shady and has altered my opinion of Citibank forever.

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 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I deposited a paycheck by mobile deposit on XXXX and was told that funds will not be available until XXXX  I have contacted Chase several times and gotten conflicting information. I have been with the bank for 3 years and have deposited payroll checks both by mobile deposit and direct deposit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: NY

Complaint narrative:
Called Nelnet the following dates : XXXX XXXX XXXX XXXX Wait time to speak to a provider is over 3 -4 hours. On XX/XX/XXXX, remained on the phone for over 6 hours, Nelnet sends periodic emails saying " we will update you in 10 days '' but nothing is provided in an email saying what is being updated, what is the progress, and if anything is wrong with the application. For example, there was an issue with my application, I was not informed of this and instead after speaking with two different call center employees, including a manager, was I able to learn that one my my loans was categorized incorrectly. This information should have been communicated to me promptly, not sitting in a cue for 5 weeks. It appears that there is no incentive to help students understand their loan SAVE applications, and instead are incentives to keep the applications pending so the company can make more money off of people who have no income. Since I am kept so in the dark about the process, I have no idea if my application needs to be fixed or needs more information. Instead, Nelnet should be actively updating us on what they need, not waiting until we reach out to them 5 -8 weeks later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
I put a borrower defense discharge application in XXXX  with XXXX XXXX I am a class member of the XXXX XXXX XXXX lawsuit I should receive a settlement. I have direct subsidized and direct unsubsidized loans with ED financial. I have no private loans they recently sent me a letter stating I have no direct loans that are eligible for borrower defense discharge. When I asked them to explain this letter, they informed me I need to call the borrowers defense hot line. When I called the borrowers defense line I was informed my discharge was approved. I have no information I am needing help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX i recognized a inquiry on my account that i didnt know anything about or signed up for and ive try to get it removed since then by calling customer service and trying to do it on line and it hasnt worked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint against EQUIFAX located in XXXX XXXX ; XXXX located in XXXX XXXX and XXXX located in XXXX XXXX This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of EQUIFAX, XXXX AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I made several lump sum payments on this account to prepay in addition to monthly payment amount. Because of this, my due date kept getting pushed out. Now it says XX/XX/XXXX. Nelnet owes me over XXXX according to their own accounting department. 
On or about XX/XX/XXXX, I called about how my interest would be calculated with the Covid freeze. I was informed that i did not qualify because I had federally backed private loans. Instead, after speaking with a manager and someone in accounting, it was explained that I ( along with others he has seen, but my case was one of the worse ) had this weird due date accelerated issue and that I was owed this back money. I was told to pay the balance owed in full. I paid XXXX. The person then called me the next day to say that I had to pay an additional XXXX, which I paid on XX/XX/XXXX. I was then told that since my account was closed out, that accounting would recalculate everything because of the accelerated due date. I still have not received my funds or an explanation. I want the recordings of the call and notes and for someone to sit down with me about where my money is. 
I advised that the lump sum I paid was from the last money my dad gave me before he died on XX/XX/XXXX and now I am quite upset if this was all some sort of game. My dad and I could never figure out why no matter the lump sums, these loans did not get paid off faster. I believe there is an issue with all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: IN

Complaint narrative:
An attorney office of Zions Debt Holdings is reporting inaccurate information on my credit report, claiming I owe a XXXX debt through a company called XXXX XXXX XXXX. I contacted XXXX and they have no record of this debt and I also initiated a 3 way called to resolve this issue. XXXX told this attorney office they have no record of this debt nor do I owe a debt to them but the attorney refused to communicate and still proceeded with reporting on my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: PA

Complaint narrative:
I XXXX XXXX  XXXX currently have a fraudulent account appearing on my credit report. I have listed all supporting documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: PA

Complaint narrative:
I XXXX XXXX XXXX currently have a fraudulent account appearing on my credit report. I have listed all supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: NC

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete all these illegal accounts from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief