vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal dispute regarding the inaccurate and misleading information on my credit report. I have recently reviewed my credit report and have identified a significant error in the reporting of four accounts held by XXXX XXXX  each identified by the following account numbers : # XXXX, # XXXX, # XXXX, and # XXXX. It has come to my attention that these accounts are erroneously listed as " open '' when they are, in fact, collections accounts, which should not report as open. 

I respectfully request that you investigate this matter promptly and take the necessary steps to correct the reporting inaccuracies on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The incorrect reporting of these accounts as open severely affects my credit score and financial standing. 

I urge you to take the following actions : Initiate a thorough investigation into the reporting status of the aforementioned XXXX XXXX  accounts. 
Immediately delete these misleading entries from my credit report. 
As per the FCRA, it is your responsibility to conduct an investigation within 30 days of receiving this dispute. I expect a swift resolution to this matter in compliance with federal law. The accurate reporting of my credit information is of paramount importance to my financial well-being, and I believe that addressing these discrepancies is vital in maintaining the integrity of my credit report. 

I kindly request that you provide me with written confirmation once this dispute has been resolved, and the necessary corrections and deletions have been made to my credit report. 

Thank you for your immediate attention to this issue. I trust that you will act promptly and decisively to rectify these inaccuracies and ensure the accuracy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to file a formal dispute regarding the inaccurate and misleading information on my credit report. I have recently reviewed my credit report and have identified a significant error in the reporting of four accounts held by PORTFOLIO RECOVERY, each identified by the following account numbers : # XXXX, # XXXX, # XXXX, and # XXXX. It has come to my attention that these accounts are erroneously listed as " open '' when they are, in fact, collections accounts, which should not report as open. I respectfully request that you investigate this matter promptly and take the necessary steps to correct the reporting inaccuracies on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The incorrect reporting of these accounts as open severely affects my credit score and financial standing. I urge you to take the following actions : Initiate a thorough investigation into the reporting status of the aforementioned PORTFOLIO RECOVERY accounts. Immediately delete these misleading entries from my credit report. As per the FCRA, it is your responsibility to conduct an investigation within 30 days of receiving this dispute. I expect a swift resolution to this matter in compliance with federal law. The accurate reporting of my credit information is of paramount importance to my financial well-being, and I believe that addressing these discrepancies is vital in maintaining the integrity of my credit report. I kindly request that you provide me with written confirmation once this dispute has been resolved, and the necessary corrections and deletions have been made to my credit report. Thank you for your immediate attention to this issue. I trust that you will act promptly and decisively to rectify these inaccuracies and ensure the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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:
First, no one from Nelnet has responded to me in months, including requests on whether my information was part of the data breach. 

Second, my SAVE application was processed and completed on XX/XX/23 ( before interest restarted ). Despite this, Nelnet is still " processing '' my application, causing my account to accrue thousands of dollars of interest. I have followed up multiple times for an update over 2 months and received an automated email that Nelnet would not be answering emails due to large volume. 

Third, the statements Nelnet provided me is missing more than {$50000.00} of my unpaid loans. For this particular issue, I have spent XXXX hours on hold waiting for someone to answer their call center line. Nelnet is a scam and has repeated predatory behavior against borrowers, including sending me statements claiming that my outstanding amount owed is {$58.00}, XXXX and not my actual amount owed of {$120000.00}, despite my numerous follow ups to confirm. In addition to stating an incorrect amount, this statement also states incorrect interest rates on the loans it does list ( which are fixed rates ) and incorrect and inconsistent interest calculations. 

This company needs to be held responsible for their unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: MO

Complaint narrative:
Please remove hard inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Please remove hard inquiries XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-10-23 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
When applying for Delta American Express Gold credit card was supposed to receive a {$300.00} credit towards purchasing a XXXX airline ticket and XXXXXXXX sky miles. I was approved for the card. 

XXXX and American express are now refusing to give me the {$300.00} credit and XXXX sky miles. They claim I agreed to a different promotion that I never heard of, one that gives an unknown number of sky miles after purchasing an unknown airline ticket amounts.

See attached file containing 6 documents. 1. Complaint ; 2. Screen print of promotional ad on XXXX XXXX website ; 3. American Express Approval email ; 4. Email sent to XXXX XXXX, XXXX American Express dated XX/XX/2023 ; 5. Email response from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: TX

Complaint narrative:
In accordance with the fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A.

Section2. It also States consumer reporting agency can not furnish a account without my written instructions.

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 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Fraudulent charges on my account that Huntington has gave two different responses on. First it was the card chip and card cant be duplicated. Now they are telling me the charges were online. There are multiple charges that are in different states in in the state of Michigan on the same day. The charges were definitely not online charges. The amount is over {$6000.00}. Huntington has not been helpful with helping resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Synchrony keeps stalling saying give them 30 days. It's been 3 weeks.

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 2023-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XX/XX/XXXX XXXX {$20000.00} The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. 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 2023-10-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2023, I purchased tires with my Discount Tire credit card with the promotion of no interest if paid within 6 months. The total almount was {$700.00}. The first payment I made was for on XX/XX/2023 for {$330.00}. I continued making payments on time and my current balance is {$120.00} which I planned on paying on XX/XX/2023. Today, XX/XX/2023 I received a letter dated XX/XX/2023 from Synchrony Bank notifying me my credit card account with Discount Tire was closed. The reason for the was " dishonored payments ''. I immediately contacted customer service and was told my account was closed because they had me on automatic payments and the payments were not honored. I then learned they were automatically deducting payments from a bank account I closed more than two years ago. The automatic payment I set up was for a previous purchase but they without my consent kept the automatic payments on a new purchase. I was unaware about the automatic payments but I was still making payments regularly and on time with my new bank account. But apparently, they do not have a system in place to let them know I was making regular payments. The customer service agent kept saying I am sorry but never did anything on her part to correct my issue. She started to tell my I can call my previous bank institution but I refused to that. My complaints are I was never properly notified that my payments would be automatically deducted, I was never properly notified that the automatic payments from a previous bank were being rejected. Customer service said they called me but they do not leave messages. I do not answer calls with numbers I do not recognize. At the very least leave a message. Customer service also said they sent a letter previously but I never received it. I am concerned this will affect my credit report. Their practice of closing accounts without proper notification or reason ( I was making paytments from my new bank accout ) is wrong and in my opinion illegal.

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 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A {$4500.00} counterfeit check was deposited at a Bank Of America California branch into my account, they had mistakenly credited my account and I have used the credited funds accordingly as it was a payment, the funds were withdrawn from my account after BOA realized this check was counterfeit, I had made every attempt possible to gather as much information as I can possibly can in order to better assist them on their investigation, today XX/XX/2023 almost 90 business days since the date I originally filed my claim which was XX/XX/2023 I received a letter from BOA stating that I did not suffer any loss

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 2023-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
This is now the 2nd month in a row that GM has not cashed my payment on time. I mailed my payment 2 weeks early - knowing that this company is just awful at cashing checks in time. They are trying to force people to pay online.This is my 3rd complaint, now they are just being spiteful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I do not have a contract with National Credit System, I am not liable for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Had my phone stolen, and the thief was then able to quickly get into my USAA app. Not sure how he logged on, but I also am not an expert in all the latest software and tools thieves use in XXXX. Once into the USAA app, he enabled XXXX ( I have never heard of it ) which appears on USAA 's homepage for the app. He then transferred {$980.00} to one of his contacts. 

Have repeatedly called USAA requesting reimbursement, and they keep saying 'they found no fraud '. The thief also used my XXXX app to send money, and XXXX agreed that is was fraud. They reimbursed me right away. 

USAA continues to drop the ball on this. I have given them my police report, I have attached screenshots of my e-mail around that time, and I have made them aware of XXXX 's determination that this was fraud. 

I would like USAA to the right thing here instead of just saying there was no fraud found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company is contacting my family members and job. They threatened to have me arrested. This debt is 20 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I made the minimum monthly payment due XX/XX/XXXX of {$620.00}. I have ten different subgroups within this loan. I pay extra on 2 of the ten loans due to interest rates, so the due dates tend to be pushed back further than then rest of the groups. 

On XX/XX/XXXX, I logged into Nelnet to make my extra payments on those two loans and noticed my account shows I still owe {$430.00}. When I drilled down into my loans, Nelnet allocated my XX/XX/XXXX payment towards only 4 of the 8 subgroups, thus pushing back the due date for those loans to XXXX of XXXX yet keeping the remaining 4 subgroups due on XX/XX/XXXX. 

On XX/XX/XXXX, I called Nelnet during my workday and waited on hold for over 2 hours to be connected with a representative, XXXX. The representative had no explanation as to why this happened or how. Their only suggestion was to " file a form '' to reallocate the payment. There is no tracking number or work ID number for me to reference if I have to call back in on this. I was then told that it was a 3-4 week process to correct this mistake from Nelnet, which puts me right at the due date of the payment I already made. 

Due to Nelnet 's incompetence and negligence, this would increase my monthly payment from the {$620.00} ( which was already paid ) to {$1000.00} if I want to make sure I don't have a late payment and accrued interest on my record. 

This is completely unacceptable to require borrowers to take hours out of their workday to try to correct Nelnet 's mistake only to receive no solution and no way to track that the conversation actually happened. The service level is obscene when people 's credit, budgets, and interest accrual are on the line. I have no faith in this financial institution to correct this problem moving forward. 

I would like my payment reallocated in a timely manner ( within one business week ) and I would like all interest frozen while Nelnet works to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been XXXX due to illness for XXXX years. One of the side effects is XXXX. I have damaged my teeth by XXXX XXXX. NO XXXX DENTISTS accept my insurance as I am an adult. I was due to have XXXX at the XXXX XXXX XXXX for a complete XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX was unable to XXXX  due to the potential for harm. I went to a local dentist who said it would be XXXX,. They offered to run my credit through Care Credit and was approved for {$1800.00}. I declined and my mother paid in advance. Recently I have been attempting to go to back to work and restart my business. As I am on a fixed income, my future projections were not considered. My credit score is good. But due to limited income, they ran the credit which was good, but showed a high debt to income. When I received the report I saw that Care Credi released 86 % of the credit and shows I am delinquent. I have never used this and owe no money to them. It dropped my credit score from XXXX to XXXX, And I was denied. I am being discriminated against, to access my rightful credit. I have shown I am able to make the payments as pay no living expenses except for my phone, and XXXX loan, which I am about done paying for, and I have always been always on time. I also have a XXXX credit card for auto repair. It initially was XXXX and always on time, and double the amount. My student loans are paid. The negative medical bills were eradicated as it was due to improper billing.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I see unauthorized Hard inquiry on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX and XXXX Payments are reported as late on Transunion, XXXX, And XXXX, although a double payment was made in XXXX to XXXXXXXX XXXX  XXXX number XXXX Account 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