vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Collectors International, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, a debt collector called my wife stating there was a judgment against me from XXXX XXXX for defaulting on a kitchen repair. The debt collector stated i work and is the point man for XXXX XXXX XXXX XXXX XXXX and my phone number is XXXX. And the address is XXXX XXXX XXXX, MI. The debt collector had my name, DOB and SSN. In which I dont know how these people got the information All these allegations are fraudulent. 

I work full time at XXXX XXXX XXXX as an XXXX  since XXXX. My phone is XXXX. 
The case number is XXXX and the judgement was recorded on XX/XX/XXXX The debt collector also stated I was serve the notice which is a lie. I never was serve any such document. 

Im filing a police report XXXX XXXX XXXX XXXX Police for stolen identity and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-09-25 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or misleading advertising or marketing — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Received email from attorney for loan modification stating a Federal attorney is assigned to me for a trial and loan modification without any paper work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
the issue I would like to report is related to ATM error, I Deposit {$3300.00} but it just show {$3100.00}. 

On XX/XX/2023, XXXXXXXX XXXX I went to XXXX, NJ Capital One branch, and using the machine XXXX to pay my credit card debit. I have to pay {$3300.00}, so that's why I bring a cash and pay for it, but the ATM machine has error, when I deposit {$3300.00}, the ATM just accept XXXX XXXX, then i press deposit and keep deposit the money, but at the end of the processing, I found out the amount is not correct, it divide to few transaction, {$1000.00}, {$700.00}, and {$1400.00}, {$200.00} is missing, then I call the customer service right the way when I still in the branch, and the give me a temporally credit. because I also work in a bank, I know the procedure, they have to audit the ATM machine, and make sure the amount is match, so I never worry about it. 

They took a temporally credit back after 10 days, they said after investigation, they couldn't found the money. I count the money few times after I made a deposit, so I am sure the amount is correct. and it was happen on Sat, I asked them when they did a audit? in this month, how much customer dispute for the incorrect amount? do they have a regular check up for the machine, and when I deposit the money, the machine has issue, keep return me back the money, and didn't deposit it correctly, that's why it divide a few separate transaction, but the customer service said, they couldn't do anything, even complaint, that's doesn't make sense. The investigation is totally not transparency, even I asked them they can checked the cam to see when I deposited the Money, the machine has issue. I know I may not give my money back, but it's really not fair to the customer. I lost {$200.00}, if they did a audit I don't believe it will show the right balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
My account was closed after receiving my IRS check and funds were all taken. Ive asked for further assistance but they havent responded to my emails or phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: NY

Complaint narrative:
I applied for the new IDR plan called SAVE via StudentAid.gov on XXXX XXXX Their site says Aidvantage finished reviewing my application on XXXX XXXX 

I received a letter from Aidvantage saying I needed to call them to complete the process, however, I have tried to call several times and have spent many hours on hold waiting to speak to someone, to no avail. 

I am XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX XXXX which means that staying on hold for hours listening to their recording is extremely difficult. 

I also emailed them ( on XX/XX/XXXX ) and still haven't heard back ( as of XXXX XXXX  ). 

I've also tried their live chat function on their website many times, and it never works. When I start a chat, I immediately get a message " We are currently having heavy volume. Sorry for the inconvenience. Please try back later. '' Part of the promise of the new SAVE plan was that this process would be much easier and less of a burden, however, Aidvantage is making it entirely impossible. 

I have done everything I can possibly do on my end, including submitting the full application via the StudentAid.gov website and self-certifying my income. 

I have seen many others in a student loan forum are having similar issues. It seems Aidvantage is intentionally holding off on processing our applications, probably so we will have to pay once the deadline passes. 

I contacted StudentAid.gov regarding this issue, and they said they could not help, only Aidvantage can help. I have hit a dead-end since I have no way to get in touch with anyone at Aidvantage. 

This means interest on my student loans is accruing when it shouldn't be, costing me hundreds or potentially thousands of dollars, depending on how long it takes to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
CBE group is collecting from XXXX XXXX in the amount of {$2700.00}. My bill with XXXX was only {$800.00}. They are crazy to think i am going to pay all these extra fees. I am experincing financial hardship at the moment and I can't pay the {$800.00}. I'm not paying those extra fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding an unresolved fraudulent transaction dispute that Wells Fargo has failed to remedy for over 60 days now. 

On XXXX XXXX XXXX I discovered three unauthorized, fraudulent XXXX transactions were made from my Wells Fargo checking account ending in XXXX paid to XXXX XXXX XXXX XXXX XXXX name of XXXX XXXX XXXX The transactions totaled {$13000.00} plus fees and occurred between XXXX XXXX XXXX 

I immediately contacted Wells Fargo to report the transactions as fraudulent, as I did not initiate or authorize them. After filing a claim and providing the requested documentation, Wells Fargo reimbursed {$4000.00} of the stolen total. 

However, the largest single transaction for {$9800.00} remains under " investigation '' with no resolution or return of my funds after over 60 days. I have made weekly calls and provided extensive proof, such as police reports and bank receipts, showing the recipient was an unknown third party. Yet Wells Fargo refuses to give a timeline or take any concrete action to reimburse this stolen {$9800.00}. All they continue to do is escalate my case to another party within the bank each time I call. 

As a loyal customer for over 25 years, I am incredibly disappointed with this lack of urgency, transparency, and reasonable resolution by Wells Fargo on a confirmed fraudulent transaction claim. {$9800.00} is a massive sum that I rightfully need to be returned to my account immediately. 

I request that Wells Fargo expedite the investigation and return my {$9800.00}.

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 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA
State: TN

Complaint narrative:
In the first week of XX/XX/2023 I received a {$17000.00} transfer. The money is still sitting there because my account has been " restricted ''. I can not access the money, I can not see a statement, and I can not close the account. I looked on their page on XXXX and was dismayed to see that this is a pattern with them. I want access to my money, and am sick of form letter responses that off no resolution.

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 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these inquiries : Inquiries : Transunion 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify inquiries that aren't reported correctly. 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 an 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. Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.

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 2023-09-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion outsources the " free credit reports '' to " XXXX ''. They want {$1.00} upfront then automatically bill you {$29.00} ( unless cancelled within 7days ). The credit reports are NOT free. Their phone number is 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 2023-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: IN

Complaint narrative:
On XX/XX/2023 I applied and was approved for a loan of {$500.00}. To complete the approval process, I spoke to an agent on the phone. He asked the number of installments i wanted to complete the repayments in, and I advised him that I wanted to payoff the full amount when the first billing cycle completed in XXXX. He agreed and even noted that was the smartest option due to interest rates. When he emailed the application, it was not set up as discussed, and I fully accept that I did not review the documents properly. I accept that I had some fault initially, even though my further dealings with this company would indicate that is a revenue tactic. 

In XXXX, when I noticed that installment payments were coming out, rather than the full payment. I reached out on chat, and through a phone call. I expressed my disappointment but scheduled the full payoff online, The representative confirmed they could see the pending payment of the full amount. 

Now again, today in XXXX, The full payment still has not been processed, and they continue to bill me in installments with high interest rates tacked on. I have yet again processed another " payoff '' installment. 

I reached out through their chat with agent feature to confirm the payment is visible ( again ), but i am upset that the interest payments of over {$700.00} were not what I agreed to pay verbally & through further communications. They acknowledge they have recordings of the initial loan phone call. I agreed to be recorded on that call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: NY

Complaint narrative:
This hard inquiries are fraudulent I didnt authorize them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My Chase checking account was hacked from my debit card. They made two transactions on XX/XX/28 to XXXX XXXX XXXX XXXX XXXX XXXX. One for XXXX and the other for XXXX. This is a foriegn company from XXXX. I contacted my bank Chase and they return the money back to my account. They told me they would do an investigation on this matter. About three to four weeks later they took those amounts back out of my account with no notification. When I inquire about this to the bank, they told me after the results of their investigation they determined the transactions were legal. I explained I've never been to XXXX and I don't even own a passport. They said I had to give them some proof that I didn't make those transactions. When I ask what proof I needed to give them, They wouldn't tell me. I'm a XXXX XXXX living on Social Security. I can't afford to take trips to foriegn Countries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: MI

Complaint narrative:
Payments made to Nelnet are not being processed nor is the amount owed being updated to reflect the payment. Their own policy states this will be completed within 48 hours. Its been over a week, and the payment is processing. Cant get anyone to answer a call, Ive been on hold for almost 3 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: LA

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct 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 2023-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX, I applied to CitiBank for a balance transfer card. An account was opened but never funded. I tried again 6 weeks later with the same results. In XX/XX/XXXX, I requested the account be closed. On XX/XX/XXXX, CitiBank emailed me with a confirmation of that closure. Yet I continued to receive constant phone calls requesting repayment of the loan that never existed. 

In XXXX, XXXX, I had my attorneys send cease and desist letters to the bank. That stopped the daily calls and left an occasional letter. In XX/XX/XXXX, six months after the above, the bank sued me for the same non-existent loan. I reported that to my attorneys who sent me to you

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