vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: AL

Complaint narrative:
They~ allowed a 3rd party to steal my SSI benefits for my children. Who are XXXX! I caught it in time on the XXXX of XXXX! After trying to pay for something, card was declined! Told them to stop the fraud transaction, because I caught it in enough time! They refused to block the transaction! The company already has a class action lawsuit for stealing benefits from the federal government! The company in question who they must be dealing with is out of New York. This company has been in business only 9 months! No one would spend {$1900.00} dollars and another {$690.00}, on a company who has not been around longer than that! I even called this company to tell them XXXX XXXX in New York to stop this transaction because it was fraud. Was not my transaction. They too, allowed it still to go through! So Cormerica Bank Direct Express are working togther! Knew it was an inside job! There is no way it can not be an inside job. Especially since I told both parties to deny these 2 transactions, worth {$2400.00} dollars! Suffrring hardship because of their theft! Filing my own lawsuit against both of these thieves! They both refused` to stop these transactions. So they can share the money! Did my research and found out through the XXXX  complaints, that their stealing milluons of federal benefits! Need my money back asap ' for my children. Can not buy them anyrhing! Cried all night on XX/XX/2023! They had me begging ' for my money! Asked for a provisional credit '' they denied me of this credit! Been with them for at least XXXX or so years! At risk of losing a lot because of the fraud! These transactions were in pending, so they could have stopped these 2 transactions, totaling {$2400.00}, they refused! Cause they needed my money more than me! Pathetic!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I applied for the SAVE program a while back when my husband was still employed. Since then, he lost his job and our situation has changed. I tried to see if I could get a deferment or forbearance for a little while, but their " change in household '' option doesn't mention anything about your spouse losing employment and only focuses on you. You can only choose the options they have listed and I went through all of them and don't qualify, but they said a repayment option is {$500.00} a month, what the heck. And I don't " qualify '' for a forbearance. I've been paying off my loans for over 15 years, and I know what a forbearance means and if I want to accrue interest while my husband looks for a job, I feel it should be our choice to. The options are so inflexible. Never mind that I never got a statement from NELNET, never heard anything about if my SAVE application was approved. Trying to get a hold of them is impossible. The lack of communication is maddening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There is a debt forgiveness program that I was attempting to apply for online. ( Credit Wise ) which is powered by capital one. Because I didnt have access to an old XXXX XXXX account on a mobile application they put me through a series of questions and transferred me to XXXX different people. The gentleman attempted to update information but because I didnt have access he couldnt provide service. He then sent me the following link to process a copy of my drivers license on the fourth attempt it was successful on my end. He ever he denied me saying it failed on his end. I called XXXX they gave me the same problem and then told me I had to take it up with capital one and they would be able to pull my credit report to better assist me in the matter in which they couldnt. How am I suppose to clear my debt if I cant update them with information. So they are allowed to take my money but I cant access or update my information?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-11-03 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: NY

Complaint narrative:
XXXX XXXX - XX/XX/2023 - {$68.00} XXXX XXXX XXXX - XX/XX/2023 - {$900.00} XXXX XXXX XXXX - XX/XX/2023 - {$460.00} XXXX XXXX XXXX XXXX - XX/XX/2023 - {$290.00} On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: CT

Complaint narrative:
Inquiries not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE THESE ACCCOUNATS XXXX XXXX XXXX Date Opened ( XX/XX/XXXX ) XXXX XXXX Date Opened ( XX/XX/XXXX ) XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX Date Opened ( 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
Consumer complaint received 2023-11-03 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Inquiries not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened ( XX/XX/XXXX ) XXXX XXXX Date Opened ( XX/XX/XXXX ) XXXX XXXX XXXX Date Opened ( XX/XX/XXXXXXXX XXXX XXXX XXXX Date Opened 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 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Direct deposits are not showing

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 2023-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
Navient is stating that only some of my student loans are delinquent when there has been a federal hold on all student loan payments. I asked them to explain this and to send information and which all they stated was that these were unsubsidized there for needed to be paid. I asked for them to explain this because I have many more unsubsidized loans through Navient and they were not telling me that all of them were due only specific ones and they were not able to explain why and the difference between the loans only that I needed to pay. This has significantly impacted my credit score without a reason why this is happening. I have disputed with all 3 credit report companies, and they have stated the same, that they are staying with Navient 's report. I need someone to explain why I am being impacted financially when Navient has not been able to give me a reason, I have over {$120000.00} in student debt and Navient is only reporting {$40000.00} as not being paid, what about the rest? All of the student loans are direct subsidized and unsubsidized through the US Government, not private loans and there has been a 3 year hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened a checking account with Regions Bank on XX/XX/XXXX  under the following promotion : https : //www.regions.com/XXXXXXXX XXXX *Here 's how to earn a {$300.00} bonus : 1. Open a new personal LifeGreen checking account by XX/XX/. Get started by opening an account online with promo code XXXX, or register and present your personalized email voucher when you open your account at your local branch. * 2. Enroll in Online Banking within 90 days of opening your account. 
3. Make {$1000.00} or more of qualifying ACH direct deposits that must post within 90 days of account opening. Deposits must be new to Regions. 

I included the promo code XXXX in my application and printed to pdf the application as evidence. I met the terms of the promotion four days later on XX/XX/XXXX, but did not receive the {$300.00} bonus. I have called and emailed to check on the status of Regions honoring this promotion several times since XX/XX/XXXX. This morning I was told that Regions would not honor the promotion despite my evidence that the promo code was attached when I submitted the application. They do not see that it was attached and said that there is nothing that they can do. Please find my evidence attached to this complaint.

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 2023-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX and Experian continue to furnish a negative item on my consumer report. I have sent a certified letter to both parties requesting my wet signature on the contract that states that I will pay the debt that's in question. It's well past 30 days, I haven't received requested items. I demand deletion IMMEDIATELY!!! In the letter I sent it clearly state if XXXX Continues to report negative item after receiving the cease and desist letter, that damages are owed. I continue to receive a email from Experian that XXXX promise that the account belongs to me, but haven't sent the requested items. My rights have been VIOLATED 15 USC 1692 and 15 USC 1611. Also if account has been charged off, that debt has been paid which means the account is canceled. 18 USC 8. With the help of the CFPB I With move forward with seeking damages. I continue to be ignored. I will use all complaints with the CFPB to hold everyone accountable. Please see the attached letter that was sent. Account that's in question is unsecured loan opened on XX/XX/20, account number XXXX. Account number used in the letter was from XXXX, but letter was certified sent to XXXX and was received.

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 2023-11-03 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: NC

Complaint narrative:
XXXX XXXX XXXX  INQUIRY-XXXX XXXX XXXX XXXX XXXX XXXX  : INQUIRY- XXXX XXXX XXXX XXXX XXXX : INQUIRY- XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY- XXXX XXXX XXXX XXXX XXXX XXXX  : INQUIRY- XXXX XXXX XXXX I did not authorize any of these inquiries ive been a victim of identity theft and its putting a hold on life, ive contacted each merchant to only get no response. So Remove these fraud items from my report immediately.

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 2023-11-03 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: NC

Complaint narrative:
XXXX XXXX XXXX INQUIRY-XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY- XXXXXXXX XXXX  XXXX XXXX XXXX : INQUIRY- XX/XX/ XXXX XXXX : INQUIRY- XXXX XXXX XXXX XXXX XXXXXXXX XXXX : INQUIRY- XXXXXXXX XXXX XXXX I did not authorize any of these inquiries ive been a victim of identity theft and its putting a hold on life, ive contacted each merchant to only get no response. So Remove these fraud items from my report immediately.

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Someone stolen my personal information and open a credit card account!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
CREDENCE RM XXXX {$370.00} acct # XXXX opened on XX/XX/2022 I TRIED TO DISPUTE THIS OFF OF MY CREDIT REPORT. THIS IS NOT MY ACCOUNT BUT IT IS SHOWING UP ON MY CREDIT REPORT FOR XXXX AND XXXX. NOT MY ACCOUNT. WOULD LIKE IT TO BE REMOVED COMPLETELY FROM ALL THREE CREDIT REPORTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: NC

Complaint narrative:
My mortgage payment adjusted in XXXX of this year to account for taxes and escrow, and the documentation received stated that if my account automatically debits that I did not have to make any changes, so I did not. I was prepared for the adjusted amount to be debited from my account in XXXX based on this, and make no changes to my account. When the XXXX mortgage was drawn, it did not debit the updated amount, it debited the original amount and after that I received a letter from PNC stating that failure to meet the full payment in the future would be met with fees. Confused as I followed the provided instructions I called PNC and was told that the account does NOT update based on the form I completed and that I would have to manually update the payment - so I did as instructed and adjusted the amount to reflect the new payment amount despite the language used that stated I did NOT have to make any updates. 

My XXXX payment was just drawn, and the payment amount was updated to the new amount as well as the adjusted amount I was told I had to do manually. I called PNC again and was then told that not only did I have to adjust the amount, I also had to go back in and remove the additional adjusted amount I added. None of this was explained to me during my initial call to investigate why the wrong amount was debited. 

The language used throughout this entire process is intentionally vague and misleading, and representatives of PNC provide you with contradicting information. What is defined as an automated debit versus XXXX, and why is that not made extremely clear on all documentation provided to customers including information on payments being adjusted for taxes and escrow. I believe PNC does this as a predatory practice to draw additional fees from unsuspecting customers or customers who do not understand the intentionally misleading language used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: WA

Complaint narrative:
The credit card was opened in my name without my knowledge or permission by my now deceased husband. I found the credit card after his death and contacted the company.

Amount owed {$1500.00} Found his user name and printed statement from online ( found another 2 credit cards from this company in husbands name ) XXXX called company and reported fraud XXXX found email from company in husbands email. Called company - they said report to police and send death certificate XXXX Letter from Aspire, account closed & fraud claim report XXXX Letter sent to Depute Resolution Fraud with FTC Report XXXX Letter from Aspire, again, acct closed & Fraud report 14 days to respond. Note, I was in hospital & ER after total XXXX XXXX and could not reply XXXX Aspire letter, now calls this " unauthorized activity '' & I didn't reply in time, therefore I am responsible XXXX mailed, using their envelope, fraud claim form, my XX/XX/XXXX letter, FTC report, Police report XXXX Called and explained hospital & convelescent, FTC Report etc. Told to start over and fax. Immediately FAX Letters, notes, FTC & Police Report, Fraud form and asked this be removed from my credit report. 
XXXX Called to check status. Told, not in my favor. Verified account opened using XXXX  email and mobile phone. Advised no estate, no probate, no assets. 
XXXX XXXX XXXX letter dated XXXX stating 1 ) family benefited 2 ) Card sent to fraud claim address 3 ) Aspire will not intervene in civil issue nor be able to make assumptions activity was fraudulent 4 ) therefore I am responsible for balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: PR

Complaint narrative:
I have some accounts that were previously disputed for fraud they are not mine and they continue to appear, I expect them to be investigated and removed from my credit report and the independent investigation and update to my credit report sent to me. 

The accounts are : Name Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-03 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: MA

Complaint narrative:
XXXX XXXX Account Number XXXX XXXX XXXX  Opened XXXX XXXX I never had late payments XXXX -- Account Number XXXX XXXX XXXX Opened XXXX XXXX I never had late payments XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Opened XXXX XXXXXX/XX/XXXX This is not accurate.please remove this inaccuracy from my report. 

XXXX XXXX Account Number -XXXX XXXX XXXX  Opened XXXX XXXX Is not mine, please remove. 

XXXX XXXX  Account Number -- XXXX -- Opened XXXX XXXXXX/XX/XXXX Is not mine, please remove. 

XXXX XXXX -- Account Number -- Account Number -- XXXX -- Opened -- XX/XX/XXXX This account has incorrect information. 

inquiries, these inquiries were not authorize, please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief