vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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: IN

Complaint narrative:
School loans didnt make sense for the type of school I attended. I signed up for a XXXX degree. The school at the time offered it, during my XXXX year they changed my degree to XXXX and did not modify the loans, re-do the payment amount etc. I was done with my pre wrecks for my degree standing at a XXXX. I recently applied to continue college and the school never reached out to me let alone accepted the continued degree. I had just clinicals left for my XXXX license. I wasnt told anything about the school not offering the XXXX program I singed up for and they switched it to XXXX  on my loans. Mis informed and false advertising 100 %. The school isnt contacting me back let alone giving me the opportunity to continue my career. Im stuck with {$40000.00} in school debt for a degree that they dont offer anymore. The United States Department of Education has all my information for the loans. Current servicer is NelNet

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I took my XXXX XXXX debit card ( which has my tax refund on it ), to a Wells Fargo bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I have a checking and savings account. 

The teller ( s ) told me the XXXX XXXX card was declined, yet when I used it in the Wells Fargo ATM machine, it worked fine. I withdrew {$260.00} cash from the XXXX XXXX card at the Wells Fargo ATM and deposited it in my Wells Fargo account. Wells Fargo could not tell me what my daily withdrawal limit would be from my XXXX XXXX XXXX 

I wanted to transfer my entire tax refund ( not just the {$260.00} ) to my Wells Fargo account, and 3 employees insisted that I could not do that. 

XXXX XXXX says on their website that their XXXX XXXX XXXX, XXXX XXXX, is capable of interacting with Wells Fargo 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 2024-02-14 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: KS

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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: AL

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. 



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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Hello, my AMEX gift card is getting declined online. I have sufficient funds and have been trying to make purchases online, where it says American Express is accepted. When I spoke to someone from AMEXcustomer service, they said it was an issue with the merchant and that the merchant had to approve the card. When I contacted the merchants support, they said that it was a problem with the card issuer and that the bank was actually declining the purchases. The merchant also recommends following up with my cardholder to request additional assistance with getting a payment processed. They would be able to provide more information on what may be keeping the payment from coming through. But I am not able to reach a resolution with AMEX customer service. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards.This is simply not the case. I'm not able to use the card anywhere. My money is inaccessible. All I want is the total balance on my cards in cash or check. 

Also when I try to make a purchase they charge me {$.00} every time it gets declined How to know in advance that this was going to happen?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Subject : Request to Pull Consumer Report Dear Sir/Madam, I hope this letter finds you well. I am writing to request the retrieval of my consumer report from XXXX and Early Warnings. I believe it is imperative to obtain this report for [ state the reason, e.g., applying for a financial product, rental application, etc. ]. 

Below are my details to facilitate the process : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that under the Fair Credit Reporting Act ( FCRA ), I am entitled to one free copy of my consumer report annually. If possible, I kindly request that you provide this report to me at your earliest convenience. 

Please find enclosed any necessary documentation required to verify my identity, if needed. Should you require any further information or have any questions regarding my request, please do not hesitate to contact me using the details provided above. 

Thank you for your prompt attention to this matter. I look forward to receiving my consumer report from XXXX and Early Warnings soon. 

Sincerely, XXXX XXXX Enclosures : [ List any enclosed documents, such as copies of identification or proof of address ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana XXXX, I open up a Capital One credit card on or before XX/XX/2023, I requested to send my statement of charges to my email XXXX Capital one agreed. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/XXXX, each month no bill was sent each month XXXX charged a late fee and interest, each month I pay, Capital one also reports late payment to the credit bureau and Capital one creates the problem and their solution is well you can use the app to view your charges and I advised them each time that the app has issues of not working and again requesting to send each month before the due date, so its paid on time and late fees and interest stops. 
My credit score was XXXX, after taking the capital one card from mail to my home in XXXX to XXXX XXXX my XXXX XXXX when down to XXXX, this false reporting after I told them the problem each month capital one refuses to remove their mistakes from the false reporting, Each month was paid even late fees they created. 

This is false reporting about my credit, charging late fees and interest each month is unexceptionable when today again asked for a supervisor of capital one to send the credit card charges to XXXX And I was told by that person it was sent, I said I dont see it in my email the capital one employee said the email will take about XXXX business days to your email, very frustrating on not getting my statement each month. 
An email to take XXXX business days sets up late fees, interest charges and not knowing on time to avoid late fees. 

A screenshot of a letter sent to capital one on XXXX is provided with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've recently checked my consumer reports and noticed that is serverval credit cards that I have NOT APPLIED FOR. THE CARDS GO AS FOLLOWED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to fedral law your in violation, did not apply for these cards and do not wish to have theses accounts furnished on my consumer report. By law all transactions regarding such activities are ILLEGAL under 15 U.S. Code 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit A*R, Inc.
State: LA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for Fraudulent Debt Collection Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against XXXX XXXX and XXXX XXXX XXXX for practices that have negatively impacted my credit and financial well-being due to what I believe to be fraudulent debt collection and service non-fulfillment. 

In 2022, I entered into a service agreement with XXXX XXXX for personal training services, agreeing to a payment of {$350.00} per month for two sessions per week over a six-month period. Despite fulfilling my payment obligations for the first two months, the service provided was grossly inadequate, with the trainer only appearing for two sessions total, after which no further sessions were conducted. This failure on XXXX XXXX 's part to fulfill their contractual obligations led me to discontinue the service, assuming the matter was concluded. 

However, to my dismay, a year later, I discovered that XXXX XXXX had submitted my account for collection to XXXX XXXX XXXX, alleging unpaid debt. This action has since adversely affected my credit report and overall financial standing. I have made several attempts to resolve this issue directly with the involved parties, clarifying that not only did I not receive the services for which I paid, but also that I am, in fact, owed a refund for the payments made for services not rendered. 
I have also asked them to submit the proof of them rendering the alleged service, but they have failed to show it because they didnt render the service. 

The persistence of this debt on my credit report, despite my attempts to dispute it, constitutes a wrongful collection practice. It is my belief that I am entitled to a full refund for the payments made to XXXX XXXX for the two months of service, totaling {$700.00}, in addition to the immediate removal of this fraudulent debt from my credit report. 

I request the XXXX XXXX XXXX XXXX assistance in investigating this matter and in compelling XXXX XXXX and Summit Resolution LLC to : Refund the sum of {$700.00} for the unrendered services I paid for in good faith. 
Remove the fraudulent debt report submitted by XXXX XXXX and managed by XXXX XXXX XXXX from my credit report to rectify the harm done to my financial standing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE IMMEDIATELY THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. 
1. XXXX XXXX Credit Card 2. XXXX XXXX Auto Loan 3. XXXX XXXX XXXX  XXXX Credit Card 4 . XXXX XXXX XXXX XXXX  Auto Loan INQUIRIES : XXXX XXXX  XX/XX/XXXX, XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 ( e ), I request that all the information listed on my credit report be blocked from my consumer credit file with your company pending your full investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Need to investigate the information on file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: LA

Complaint narrative:
i have file a FTC report and these are the items that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Also, I have attached more information below concerning my identity theft 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 non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
Hello FFR ; CFPB : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX and XXXX are in collusion, illegally stealing money transfers from their customers for absolutely no reason and stonewalling so that they can settle other accounts. Lying to customers and closing their accounts without authorization. 

Heres a series of events : I gained a design client client made a deposit payment through XXXX, who uses XXXX, and had no issues with the payment. ( Note : never had a problem in XXXX years! ) worked XXXX months on building the website for the client client pays remaining balance on XXXX I wait for funds to be processed through XXXX, which was taking an extended period of time I receive an email saying XXXX is closing my account and that the money that was supposed to be transferred to my account will be held XXXX  ) no explanation. 
I try repeatedly to understand what is going on ; e-mails requesting answers, as they have no phone number. 

I checked my XXXX and the account was active, and I checked XXXX under my email, and it showed the funds in process up to XX/XX/XXXX no closures or holds. I figured all of this was in error and I would get the funds on XX/XX/XXXX, but I kept getting emails requesting personal information from me. There was no clear response to explain why they chose to do all of this ( which I can attach ) and they were completely uninterested in providing transparency or clarity. 

I then received an email the afternoon of XX/XX/XXXX stating that XXXX is not releasing the payment until XX/XX/XXXX. No reason, no explanation basically illegally stole the money and is currently holding it XXXX which is unacceptable. 

I have done straight business through XXXX and XXXX for a couple of years XXXX issues. This unauthorized action without clear explanation to rectify the issue is not only out of line, it seems to be their standard business per XXXX and XXXX 

I sat on hold with XXXX for XXXX minutes to be told that I have to email and send them my bank statements? Why? No. Ive had all my information verified on my account for years through documents that they approved. I know I didnt do anything wrong or illegal, and neither did my client. This is TERRIBLE business by XXXX which again, has been noted online by many small businesses. I am so angry, frustrated and disappointed that companies like this can commit such unethical and unauthorized actions and brush their hands off. I pray that you can review and assist in this matter thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EdFinancial Services
State: TN

Complaint narrative:
There were several student loans taken out in my name in Texas. Starting in XXXX of XXXX I live in TN and I am XXXX XXXX XXXX and have never been to or even attempted to go to college. I called the company ED Financial to find out what was going on and they informed me that someone was using my information in order to attend a school in Texas. I am not sure what else I need to do regarding this. I have contacted Fafsa and they are working on trying to figure this out as well as get me access to the account that has been created so that I have more information. They have taken out over XXXX XXXXXXXX XXXX in student loans.

Company response to consumer: Closed with explanation