vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX doing business as XXXX XXXX failed to notify me in a timely manner of the compromise. Far more than thirty days passed before I received details of the intrusion- was I effected ; what was lost in the intrusion. 

Further about 60 days passed before I was made aware of free credit monitoring, etc. 

Phone calls to them resulted in a run-around and no concrete information

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 2023-12-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

15 U.S. Code 6801 - Protection of nonpublic personal information. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information these companies did not get my approval or consent, nor did I receive notification of them sending a letter to disclose my information and these are all violations, remove them now! 

XXXX XXXX XXXX  XXXXidentity theft-where is my wet signature that I gave permission XXXX XXXX-identity theft-where is my wet signature that I gave permission XXXX XXXX XXXX XXXX XXXX-identity theft where is my wet signature that I gave permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

15 U.S. Code 6801 - Protection of nonpublic personal information. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information these companies did not get my approval or consent, nor did I receive notification of them sending a letter to disclose my information and these are all violations, remove them now! 

XXXX XXXXXXXX XXXX  XXXXidentity theft-where is my wet signature that I gave permission XXXX XXXXidentity theft-where is my wet signature that XXXX gave permission Capital XXXX XXXX XXXX XXXXidentity theft where is my wet signature that I gave permission

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 2023-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Dear Sir/Madam, I am writing to express my deep concern and frustration regarding the handling of the investigation into unauthorized charges on my account. On [ date ], I noticed several charges on my account statement from XXXX XXXX XXXX for products that I never received. Despite reporting these unauthorized charges to Chase Bank and requesting an investigation, I have not received a satisfactory resolution. I have evidence in the form of an email from XXXX confirming that they issued a refund for the unauthorized charges and advised me to check with my bank to ensure the funds were returned. However, the charges have not been reversed, and as a result, my account is now in the negative, causing significant inconvenience and financial distress. It is clear that the investigation conducted by Chase Bank into these unauthorized charges was inadequate and failed to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: MOHELA
State: TX

Complaint narrative:
My XXXX loans with Mohela under the XXXX program were on the XXXX plan as $ XXXX and in XX/XX/XXXX of those loans were changed to the XXXX plan without my knowledge. I called Mohela and the representative said they didn't know why that XXXX loan was changed to the XXXX plan because I hadn't requested it and there was nothing I could do and that it would still count towards my XXXX. They also notified me that the other XXXX loans were moved to the XXXX program and stayed at the $ XXXX, so it was very odd that just XXXX loan was moved to XXXX 

In XXXX and XXXX I was charged {$54.00} for that XXXX plan that was changed to XXXXXXXX, but then I came across a XXXX support group where others experienced the same problem and were able to get their loan changed to the XXXX plan. So I called Mohela in XXXX XXXX and spoke with another representative who said that the LEVEL plan did not qualify for XXXX and that they could put in a ticket to investigate what happened. They also placed me on forbearance so that I wouldn't get charged the {$54.00} in XXXX and the representative said that during forbearance my loans would still count towards the XXXX forgiveness. 

XX/XX/XXXX, I called Mohela again for a status update and now I have a whole other set of problems. They did change that XXXX loan from XXXXXXXX to XXXX, but instead of going back to the $ XXXX where it was before, now it's $ XXXX that I owe for that XXXX loan. The representative said they aren't sure why it wouldn't go back to the {$0.00} since I have not submitted my IDR recertification application yet. And they confirmed that since I was in forbearance for XXXX months those wouldn't count towards XXXX. And they are working to reimburse me the XXXX charges of {$54.00}, and that it shouldn't affect my XXXX count those months. At this point, I don't feel confident in their ability to really make this right before I actually submit my XXXX recertification in 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 2023-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I have been a victim of a massive identity theft. Venmo allowed hackers to access my account and attach all my credit cards and debit cards and stole all my money along with creating other accounts in my name and has made no attempts to reemberse my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I have become aware of a recurring ACH debit from my XXXX account. It is unauthorized and has been occurring on the XXXX of every month, from XX/XX/2021 to today. This debit is listed as XXXX XXXX and is in the amount of XXXX ( XXXX XXXX  and XXXX XXXX  ). 
I am not receiving services or products for this monthly transaction. I contacted PayPal and they said I would have to contact the merchant to cancel it. I used their provided contact info and it went to an undeliverable address. PayPal offers no other resolution. I have filed a dispute with my bank but they alerted me this wont stop the ACH. XXXX is effectively stealing money from my account with no way to manage it. Since the amount is small it has gone undetected for quite some time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi, In XX/XX/XXXX, I went to the ChecknGo website. I requested the terms for a loan. The website asked for bank information so they could verify account and funds. I provided this. The next day, there was {$500.00} in my account. I had not signed any loan documents. 

I sent an email to ChecknGo to cancel loan because legally I have three days to cancel. I called on XX/XX/XXXX and talked to XXXX at this company. I also called on XX/XX/XXXX and spoke with XXXX from this company. Neither tried to help me cancel this loan. 

I also sent Notice of Cancellation to the address below through XXXX with XXXX : Check 'n Go XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ChecknGo gave me notice that if I provided written cancellation to the address above by XX/XX/XXXX, the loan would be cancelled. My USPS receipt shows it was delivered by XX/XX/XXXX. 

I later received notice from ChecknGo that I owed {$1200.00} for the {$500.00} loan. I called ChecknGo and asked them to provide proof I had signed a loan agreement. They never provided proof. 

I later received notice from a collection agency that had purchased this debt from ChecknGo. ChecknGo was able to collect money from this fraudulent loan.

ChecknGo needs to be investigated for this fraudulent behavior and stopped from ripping people off for significant amounts of money. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: UT

Complaint narrative:
I submitted a dispute over a fraudulent charge via the phone. There was no place to do it online the person says that they submitted the dispute, gave me the credit because the charge was fraud. I ended up canceling the card because they do not have good buyer protection whatsoever and what a headache. It was just a dispute a fraudulent charge. Well, the person lied to me over the phone never even disputed the charge and was making anti-Semitic remarks. This company needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
In the date XX/XX/XXXX I received a letter from a debt collector CAPIO PARTNERS and I can read that they trying to collect a debt of {$1300.00}, in the letter I can see the account number XXXX and my name, so just XXXX XXXX my full name is ( XXXX XXXX XXXX XXXX ) they don't know my full name. And my XXXX  i don't know how they know it. I can read that the debt provided from UNIVERSITY XXXX XXXX XXXX XXXX I don't know that place or hospital. I can see that the debt beginning XX/XX/XXXX so almost XXXX  years ago and they try to XXXX a debt now. In almost XXXX years I didn't receive any call from that hospital and now a agency of debt collector tty to collect a debt. So I want to let know in this declaration that is a identity theft don't know this hospital and this agency collector call CAPIO PARTNERS. And they threaten me in this letter saying that if I do not respond before the date XX/XX/XXXX the debt will be validity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 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: IN

Complaint narrative:
I applied for an auto loan and did not give permission or consent To ANY OF THESE PLACES!!! I have no idea why my credit was ran by these places!!!!!! 
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 XXXX XXXX XXXX XXXX XXXXXXXX These were all on 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 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have an Unlimited Cash Rewards World XXXX XXXX ending in XXXX with Bank of America. I have been using an offer of 0 % interest on Direct Deposit and Check Cash Advances for that card and carrying a balance with 0 % interest from that offer. I made a purchase of {$2500.00} on XX/XX/XXXX and made a payment of {$2500.00} to cover the purchase to avoid accruing purchase interest. However my statement for XXXX ( date : XX/XX/XXXX ) showed an interest charge of {$21.00} and balance amount subject to interest was {$1100.00}. While unhappy about this I made another payment of {$1200.00} on XX/XX/XXXX to cover the amount carrying purchase APR. To my surprise, XXXX statement on XX/XX/XXXX wrote I am having an new purchase interest charge of {$27.00} with purchase balance subject to interest being {$1500.00}. I made no new purchase between XX/XX/XXXX to XX/XX/XXXX at all. While I made my best effort to cover my purchase to avoid purchase XXXX charge over two months following statement, and made no new purchase, I still could not cover the previous stated purchase balance. I contacted customer service however the customer service could not explain why this happened and blamed on me not understanding interest accrual. I could not find anywhere in BofA terms about how this could be explained. This misbehavior of BofA calls for tighter regulation on interest charge and credit card promotion advertising. BofA needs to correct this issue right now and reimburse the wrongly charged interest. BofA needs to clearly publish in the statement how to cover the amount subject to APR but not hiding details in the fine prints.

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 2023-12-23 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN : XXXX Dob : XXXX XXXX XXXX To Transunion Date XXXX [ am mortified that you are reporting inaccurate information on my behalf without a thorough investigation., The accounts listed on my credit report are not mines and by law with the documents presented they must be removed. 
The accounts listed are XXXX XXXX XXXX : account Number XXXX is not mines please remove. 
The inquiries listed on the report XXXX : XX/XX/XXXX is not mines please remove The inquires listed on the report XXXXXXXX XXXX XX/XX/XXXX is not mines, Please remove The inquiry listed on my report XXXX XXXX  - Date : XX/XX/XXXX is not mines please remove. 
Thank you for your time and consideration. 
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 2023-12-23 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: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
I have been trying to make a full payment on my student loans with Aidvantage since the XXXX of XXXX. The payments of XXXX keep getting " reversed ''? My bank account is correct and i have confirmed this with my bank. The customer service at Aidvantage are running out of excuses and never answer. Each time I try to make a payment, the settings in my account get randomly changed and the amount owed gets raised. It should not be this difficult to pay a loan back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I have purchased a XXXX from a Merchant called XXXX XXXX with a total cost of {$3800.00}. On XX/XX/XXXX, I requested the merchant to return the merchandise as I was not happy with it. The merchant issued me a XXXX XXXX to do it. 

I returned the merchandise using the label provided by the customer as requested. The tracking at the time showed that the merchandise was successfully delivered to the merchant. Merchant claimed it did not receive it, despite me following their instructions to the T. As the merchant claimed they had not received it, I opened a dispute with Amex and provided supporting documentation for it showing I did all the steps I was required. Amex representative at the time did not listen to my reasoning and ruled in favor of the merchant. Tracking is not available any longer but Amex should be able to see all documentation i've uploaded related to the case through the multiple conversations we had. I would like CFPB to support me to reopen this case with Amex and I'm loooking to have this dispute being ruled in my favor and being credited {$3800.00}. 

Dispute Number : Ref. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: NJ

Complaint narrative:
I have accounts on my credit reports. 

1. XXXX XXXX 2. XXXX DEPARTMENT OF EDUCATION {$8400.00} 3. XXXX DEPARTMENT OF EDUCATION {$4200.00} 4. XXXX DEPARTMENT OF EDUCATION {$11000.00} 5 XXXX DEPARTMENT OF EDUCATION {$8500.00}

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 2023-12-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not applied for any services or products with the mentioned company on the specified date, and I did not provide consent for this inquiry. As such,

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 2023-12-23 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: PA

Complaint narrative:
I applied for public service loan waiver when that went into effect and sent all of my paperwork in to fedloan who was in charge of pslf program. I was pleased to find out I qualified for the forgiveness and had made 159 qualifying pslf payments. My 120 payments ( 10 years worth ) according to fedloan would have been done on XX/XX/XXXX ( I have the letter from fedloan ). According to the XXXX waiver, any payments made after 120 would be refunded to me as an overpayment due to waiver. Well I waited to get my refund check from the department of treasury and never recieved anything. I waited the recommended time frame of 4-6 weeks and emailed fedloan and asked when to expect my refund. Fedloan emailed back and said they didn't have my payment records on my loans after XX/XX/XXXX so they had nothing to send to department of treasury for refund. This was not true, because when I had access to my XXXX account online I could see all of my payments that qualified for XXXX and it was 159. They told me that since my loans were discharged through the pslf they no longer had my records and would have to open a reconsideration case with department of education FSA. Which I did file a case complaint/reconsideration and got a letter that makes no sense. They said that because my loans were paid off in XX/XX/XXXX, and I didn't make payments after that I would not get a refund. They didn't even look at my emails I sent them saying I qualify for pslf as of XX/XX/XXXX and will be due to get refund after the 120 payments. I am getting the run around and no one has my records it seems of my pslf and how many payments I have made. This is frustrating. I need help as fedloan is not even in business anymore. I reached to nelnet who is supposed to be holding my records but when I called they said they could not help me because they were not my loan servicer, but my loan servicer who handled my pslf is no longer in business. I am not sure how to handle this. I have been on reddit and people who were in the exact same position ( no refund, even though we clearly qualified for it ) had said to file a complaint here for help and they had some success. Thanks for your time and help.

Company response to consumer: Closed with explanation