vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 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: Nelnet, Inc.
State: NV

Complaint narrative:
Nelnet is continuing to show that they hold all of my accounts with over {$60000.00} worth of loans, however, they were paid off by consolidation with XXXX in XXXX. I noticed that the loans reported by Nelnet were duplicates and submitted a dispute through XXXX XX/XX/XXXX to have the accounts showing closed, however, Nelnet reported there being no errors and the accounts continue to show open on my credit reports. 

My loans have since been forgiven through PSLF and XXXX has removed them from my credit report, but Nelnet accounts still show. I submitted a 2nd dispute through XXXX to Nelnet XX/XX/XXXX, and Nelnet has yet again refused to update the status of my accounts. 

I called Nelnet today, XX/XX/XXXX, and was told that the accounts will just " take some time '' to remove from my credit. There was no specific date or timeframe provided and no explanation. It makes no sense that Nelnet would take 1-2 years to remove information from my account, yet XXXX was able to get everything removed within a few weeks of PSLF being forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
XX/XX/15 - XXXX XXXX, the car salesman for the company of XXXX XXXX stated that he could trade in my existing car for the new one. Then, her left me with XXXX XXXX who told me that I was qualified and to just drop the keys off for the old car. He said if my credit got messed up- and it would be for two to three years and I could pay their friend, {$400.00} to get my credit cleaned. I thought my credit was going to be bad because I just bought a car 6 months ago and I was buying another. This is the XXXX XXXX purchase I have ever done on my own. The guy mentioned I would be doing a voluntary surrender. When I left excited with my new car and told my family they made me realize that they didnt by my old car and they tricked me into getting my car repossessed so I tried to take the new car back and they said no. Then, they pretended to fire XXXX XXXX & the other guy but they still work there. Now they are refusing to see me. I am about to be late on a car payment because they tricked me and took advantage of me not knowing a lot about the world. I have been asking for them to make it right but all they keep doing is blaming it to other people. They encouraged me to have a repossession, they pretended to fire the associate that did it and they claim to have laid all the options on the table for me but they didnt. They convinced me they had bought the car at the end and I did not know the terminology of what they meant. XXXX  called me and apologized that I didnt understand but that does fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX was purchased XX/XX/XXXX XXXX vehicle had broken down within 40 minutes after the purchase and I called and told him I wanted my money back.he told me that I was not entitled to get my money back.the vehicle started overheating and it completely broke down and would not start up 2 weeks and some days later.the vehicle should not have been for sale and it was in default because of its conditions.the car lot came and picked up the vehicle and now they are saying that I failed to make payments and they stated on my credit report that it was repossessed.the vehicle had a bad motor and the car lot sold it to me anyway.tjey stole my money and I want this removed from 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 2024-02-26 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: MO

Complaint narrative:
Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given u written unwritten verbal and non verbal per 15 USC 6802. 
Upload to cfpb have u tried to remove : yes For inquiries use 15 USC 1681 permissible purposes : 16 cfr 313 privacy of consumer 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 explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX WRONG PAYMENT HISTORY should not have 120 + 120 thats inaccurate should have 120+. Does not report on EX & EQ. DATE OF LAST ACTIVE IS OUTDATED XXXX. THERES NO LAST PAYMENT DATE nothing reporting. Not saying i want documents of payment i want this account removed. No update in comments from last dispute. This account does not report correctly needs to be removed in statute of limitations HISTORY IN INCORRECT IN STATUTE OF limitations I DONT WANT VERIFICATION I WANT ACCOUNT REMOVED PLEASE XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on TU HAS 90 days & XXXX  HAS 60 days. last reported dates are wrong & different last payment TU HAS XX/XX/2022 & XXXX HAS XX/XX/2022. THIS ACCOUNT HAS BEEN OPENED 2 different TIMES TU XXXX & XXXX XXXX. Im sorry but this account inactive doesnt want to update please delete this account for frca rights THIS ACCOUNT IS REPORTING 60 days LATE BUT NO LATES IN PAYMENT HISTORY NEED REMOVED DUE TO INACCURATE INFORMATION Want both removed 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

THANK YOU FROM 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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated. 
Listed below are the Accounts that are being challenged 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
From XXXX to present date my account has been in deferment status yet my account has been reported as delinquent ( 30, 60, and 120 days past due ) on numerous occasions although it has continuously been deferment status. In addition, a remark was removed ( Fixed Rate ) in XX/XX/XXXX. All of which adversely affected my credit scores by upward of XXXX points form XX/XX/XXXX to present date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I APPLIED FOR CREDIT WITH SYNCB/LOWES ON XXXX XXXX, XXXX. THE ONLINE APPLICATION DID NOT STATE IF I WAS APPROVED/DISAPPORVED, SO I CALLED THE CS NUMBER. THIS WAS NO HELP, BECUASE THEY COULD NOT STATE NOR SEND ME TO SOMEONE WHO WOULD TELL ME THE STATUS OF MY APPLICATION. AFTER SEVERAL PHONE CALLS LATER, I WAS TOLD I HAD BEEN DEINED. I ASKED WHY AND WAS TOLD I WILL RECEIVE THE REASON WHY VIA MAIL. I CALLED AGAIN TRYING TO TALK TO A MANAGER AND THEY INDICATED THEY DO NOT HAVE A MANAGER OR AN DEPARTMENT THAT ADDRESS MY QUESTIONS. I CHECK MY CREDIT RATING VIA AN ONLINE APP IT SHOWS I HAVE AN XXXX, XXXX AND XXXX XXXX XXXX. I ALSO NOTICE SYNCB/LOWES IS XXXX TWO HARD INQUIRIES ON THE SAME DAY ( XXXX XXXX ) .AS OF TODAY, I HAVE NOT RECIEVE THE REQUIRE REASON WHY I WAS DENIEDCREDIT NOR HAVE ANYONE FROM SYNCB/LOWES HAVE ATTEMPTED TO CONTACT ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have sent 2 certified notarized letters to Experian expressing they need to fix my information and they have still not done so. This is in direct violation fo 15 Usc 1681 and I am demanding this fix this 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 non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Daily calls from often times spoofed numbers that hide the identity of the debt collection agency Portfolio recovery. I have repeatedly requested for them to quit calling me using there auto dialers and spoofed numbers. The account in question " collections '' has been removed from my credit and has been written off by the credit card company. Both their contact practices and continued harassment needs to stop or they need to be held accountable for there failure to follow the TCPA guidelines. Last contact date was XX/XX/2024 from a spoofed number that did not identify them as Portfolio Recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
" As of XX/XX/2024, Robinhood has restricted my account for no reason other then telling me after a review of my account a temporary restriction was placed to safeguard my account. 

I have around { {$26000.00} } in the account, and not letting me to transfer funds back to my Checking/Saving accounts. 

I keep calling every day since XX/XX/XXXX, and customer service say look for the emails for updates. I got emails from support on XXXX, XX/XX/XXXX, and XX/XX/XXXX with no additional information and no ETA when my funds will be available. 

" Thank you for your patience. I can certainly provide an update on the remaining funds being returned to their originating source. 
It looks like there was a delay, but can assure you that we are working on getting the funds returned. For additional information please contact the originating bank. Upon the completion of this process your Robinhood account will be scheduled for deactivation. 
Again, I apologize for any inconvenience this caused. If you have any additional questions, feel free to reach out to me or our support team. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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:
Account # XXXX XXXX XXXX Amount : {$520.00} Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. They also have no permission to REPORT anything using my info pursuant to 15 USC 1681 4. 

I reached out to the original creditor ( XXXX XXXX ) and they have it on a recorded line that I do not owe anything to them & never had a balance, therefore this should not be on my report. it is an inaccuracy that needs to be fixed asap. in order to fix this inaccuracy, it needs to be removed from ALL of my credit profiles.

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 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX I claimed to my chase bank about a transaction I didnt made of amount XXXX at XXXX XXXX XXXX they had to lock my old debit card to get a new one. So I got a new debit card and a new ID. And I got my money back the XXXX but then I saw that it was denied by XXXX XXXX XXXX. So I called XXXX XXXX XXXX and told them why was it denied when I didnt made the transaction. And they could help me with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
On Sat XX/XX/XXXX I received a text message asking if made a purchase at XXXX Text yes or no I text back no I received a call from XXXX saying they were the fraud department I was asked to check my account for any other unauthorized transactions and was told he was doing a reversal of funds it didnt sound right so i hung up and called chime back while I was on the phone the same number was trying to call me back I filed a dispute and they said they are not going to return the funds I sent screen shots of the text messages and calls I missed that shows they hacked chime number and somehow hacked my account and transferred the funds to another chime account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im Victim of identity theft from XXXX cards, I contacted the XXXX, TRANSUNION, XXXX XXXX and XXXX XXXX to get the information removed from my report, I have uploaded the copy of my SSN, a bank statement, copy of ID an FTC report in order for them to delete the items from my report but, once you talk to the fraud department they become rude when you mention dispute and want to treat me very disrespectfully, dont even let me speak to explain why Im calling, I uploaded them their documents 3 times and they never get it, lastly I sent them certified mail to them so they have no excuse. Ive called them 9 times back to back today, if my issue is not taken care of I will start a legal lawsuit as my family attorney is been suggested me to do.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im Victim of identity theft from XXXX cards, I contacted the XXXX, XXXX, EQUIFAX XXXX and XXXX XXXX to get the information removed from my report, I have uploaded the copy of my SSN, a bank statement, copy of ID an FTC report in order for them to delete the items from my report but, once you talk to the fraud department they become rude when you mention dispute and want to treat me very disrespectfully, dont even let me speak to explain why Im calling, I uploaded them their documents 3 times and they never get it, lastly I sent them certified mail to them so they have no excuse. Ive called them 9 times back to back today, if my issue is not taken care of I will start a legal lawsuit as my family attorney is been suggested me to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Provided back requesting information and not received.Also, attached deletions from from XXXX and 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 2024-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
When I got evicted from my apartments the landlord added extra unknown charges on my ledger in the balance of {$1400.00}. I recently just got an updated ledger after I heard she had gotten fired to get the correct balance. All of the extra charges she had added had been written off of my ledger now the current balance on there is {$680.00}. I keep sending in proof, calling the collections company, and calling the complex and I cant move until this is paid off!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX : XXXX XXXX : XXXX I received a letter dated XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX XXXX  informing me that enclosed is a check for me to deposit in the amount of {$1600.00} and to deposit this as soon as possible. An additional check of {$45000.00} was enclosed to payoff the creditor ( XXXX ). 

My husband, XXXX XXXX, reminder me that I needed to deposit the check as soon as possible. I grab the checks along with the letter to make a deposit. I entered the Chase XXXX XXXX XXXX. I was very physically and mentally exhausted for two to three weeks with Chase Mortgage representatives to refinance the XXXX timeshare to receive a lower interest rate ( this process was time sensitive ). 

Since I was tired I asked the teller to read the letter before I made a deposit because I had two checks and wanted to ensure I was depositing correctly. She looked at the letter and said ok, you want to make a deposit. This checking deposit was made on XX/XX/2022. 

When I was home, I indicated to my husband that I deposited the checks and he told me that I was suppose to mail the larger check to XXXX. Then, I call XXXX XXXX ( Chase, Mortgage from NY ) explaining what I did. She said she would contact the Title company to resolve the issue. A couple of days had past and I never heard from her. At the same time, I tried calling XXXX XXXX and left voices messages to let me know on how I was to proceed. I never received a response from her either. 

On XX/XX/2022, when I was trying to make a deposit, I discovered that my account was restricted and to call a number for more information. I called that number and was told that I needed to contact XXXX to dispute the check. 

I called XXXX local branch office on how to proceed ; however, the receptionist indicated that their office does not have access to their record and she can call a third party. I then gave her all my contact information along with the XXXX XXXX. Within a few minutes, I received an email from XXXX, XXXX XXXX, Senior Supervisor, XXXX XXXX. 

Im a great grandfathered Chase member and extremely disappointed that I hadnt received notification by mail or email from Chase stating that my account was restricted and how to resolved the issue. 

At this time, I have notified Chase with the event number XXXX and that XXXX is assisting me in the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief