vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 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:
Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, which report me as late despite my punctuality.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Balance on credit report not reflecting on none of the credit bureau. My last updated from Navient was XXXX before I started disputing the incorrect amounts. I called Navient for them to tell me an update was sent on XX/XX/XXXX, {$850.00} but thats not true. My reports say XXXX Credit bureaus are telling me to contact Navient. Navient is telling me to contact the bureau. I disputed with all 3 credit agency and the balance is still not updated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: MO

Complaint narrative:
This is the 2nd complaint closed by experian today and once again experian stole NOW 18 months of on time never late payments to XXXX and refuse to give them back and once again sends a explanation that has absolutely nothing to do with the issue

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 2023-12-04 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 have tried for over a month to reach a human at Nelnet to find out why and when they became my student loan service provider after receiving a notice I missed a payment in the mail. My loans were deferred due to currently being in school and were previously through Great Lakes. I never received notice my loans provider changed, can't reach a live person to get answers and I have tried email, fax and calling multiple times. Now I'm worried my credit will take a hit and cant get any help resolving the issue. I can't login to their website and can't even get help from their tech support team to get me logged in. Nelnet is by far a huge scam and lacks customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I did application in car loan and showed up too many hard inquiries without any explanation and when I asked they blamed other banks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: DISCOVER BANK
State: GA

Complaint narrative:
I am writing to express my concern and submit a complaint to DISCOVER BANK regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable account. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, DISCOVER BANK will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Renton Collections Inc.
State: CA

Complaint narrative:
The debt collector RCI of XXXX, WA repeatedly tries to contact me on the phone on a recorded line. I have repeatedly, specifically asked them not to record our conversations, which they refuse. On at least one occasion a representative ( " XXXX '' ) claimed that they were " required by law to record. '' This is false. The Revised Code of Washington 9.73.030 ( 1b ) reads, " ( b ) Private conversation, by any device electronic or otherwise designed to record or transmit such conversation regardless how the device is powered or actuated __without first obtaining__ the consent of all the persons engaged in the conversation. '' ( emphasis added ) The RCW 9.73.030 ( 3 ) goes on to read, " Where consent by all parties is needed pursuant to this chapter, consent shall be considered obtained whenever one party has announced to all other parties engaged in the communication or conversation, in any reasonably effective manner, that such communication or conversation is __about to be__ recorded or transmitted. '' ( emphasis added ) The explicit requirement of the statute, in addition to the inherently revocable nature of consent, clear means any party wishing to record a conversation must obtain _prior_ consent from all parties. Therefore, any recording made before obtaining such consent, and certainly any recording after an expressed lack of consent, is illegal. 

RCI refuses to abide by this law. It phoned repeatedly on recorded lines, even after I made it clear I refused to consent to speaking on a recorded line. They have otherwise never to my knowledge attempted to contact me in written form. They have not provided their address or any other means of communicating with them. They may have identified me via caller ID, but I never answered, confirmed or denied any question, nor did I ever volunteer any personal information. They have never supplied me with any information regarding this alleged debt, such as the alleged creditor, they amount they believe is owed, and how to dispute this claim. 

This morning, XX/XX/2023, I noticed a collections account damaging to my credit rating attributed to RCI. I try to contact them, but, again, they refuse to speak to me on a non-recorded line, which is my right. They insist that their disclosure the call is being recorded satisfies their duty to obtain my consent, even after my explicit and specific expression of not consenting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
This case is XXXX MA Police report # XXXX. Please keep this email chain for your records. This was a rental scam of {$1700.00} via transactions on Venmo and failure to provide promised apartment ( fraud ). This has also been reported to the FTC. 

Transactions occurred over Venmo on XX/XX/XXXX and XXXX XXXX Venmo has refused to reimburse me or fully investigate this. My bank, XXXX XXXX, also refuses to reimburse me or conduct any investigation whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I have a credit card from XXXX XXXX  ( serviced by Comenity ) used to purchase furniture for a new home in XXXX of XXXX. The credit card offered a 1.99 % interest rate for 36 months for the purchase. I have paid this account religiously. In XXXX of XXXX, I inadvertently made a payment to the account for my XXXX payment BEFORE the statement closing date at the end of XXXX resulting in 2 payments posting in XXXX. When I realized the payment posted for XXXX instead of XXXX, I immediately called Comenity to ask that they apply this payment to the XXXX billing and was told it wasn't possible. I told they would credit the extra payment back to my checking account and that I could then make the XXXX payment with that refund. Seemed logical and I did exactly what I said I would do. I made the XXXX payment with the money refunded. There was no mention of the fact that it would appear as an actual purchase subject to 30.24 % interest on my account. I did not notice what they did until the XXXX Statement when I saw that I am being charged this 30.24 % interest on revolving balance charge to the account of {$270.00}. Again, this was not a charge, it was them refunding an over payment that I made to Comenity. After 30 minutes on the phone with them this morning and no resolution I am filing this complaint. I went online and paid this balance while speaking to person # 3 of the call, a supervisor, and told him that the payment was made and that I wanted the revolving balance removed. He said he could do anything. I was instructed I had to call back after the XXXX billing period closes and request to have the payment reallocated to eliminate the revolving charge. Comenity is deceptive and is taking advantage of consumers. Had I not noticed this, I would have been charges 30 % interest on this balance for the next 16 months without knowing. I have never had an experince like this with any other credit card. I want the interest charges reversed for this fictitious charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-04 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: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake Portfolio Management reported to the credit bureau without my knowledge. I don't have a contract with Westlake. Westlake Portfolio Management is a debt collection agency which American Financial uses when they filed bankruptcy and that was a breach of contract. I don't have a legitimate contract with them. I never signed a contract with Westlake. I want them off my credit report because they have messed up my report. I've reached out to them and asked them to remove this off my account because I don't have a contract with them. Westlake Portfolio Management is very unreliable and very unprofessional. I'm not the only one dealing with this it's everybody 's who got a vehicle from American Car Center and US Auto Sales. This is against the law and it's time for someone to do something about it.

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 2023-12-04 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: OH

Complaint narrative:
Failed to protect my information. Failed to remove fraudulent charges due to Equifax ' ability to protect my information from Data Breach. My information is now on the dark web for sale, after its sold, it gets sold again. The amount of hardship this has put on myself and my family is unbelievable. Have you ever tried to rent or lease a home with bad credit not caused by you? A car? Let alone a credit card. This company shouldnt be in charge of a human beings favorite color let alone their personal information and future financial decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and are being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-12-04 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: TX

Complaint narrative:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and are being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: MO

Complaint narrative:
I was trying to make payment to XXXX for a rental in the amount of {$10000.00}, and the transaction was declined initially on XX/XX/2023. Because I had terrible customer service experiences with this before, with another large purchase, I knew to call them immediately and ask for a daily spend limit increase. I was on the phone for 10 minutes verifying my information and getting them to increase the limit, they got off the phone and said try again in 5-10 minutes. I waited, and it didn't work. Agitated, I waited until the next day XX/XX/2023 before calling them again stating to the person that I'm not sure if you are familiar with the intricacies of doing a spending limit increase but please get me to someone who can increase it. A 29 minute phone call happened, and the transaction was still declined. I called them again with another 33 minute phone call and the transaction was still declined for " insufficient funds ''. I had even asked the representative jokingly if they had my $ XXXX liquid and was reassured that the bank is fine. I have now missed the rental due date for payment, and the rental transaction has been cancelled. This is not the first time I have had issues with this having to call them multiple times to get a few thousand dollars from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
7 fraudulent transactions were made on 7 consecutive days, each for the amount of {$980.00}. They were made in California, apparently using a chip credit card XXXX Bank of America ) owned by my wife 's sister, who lives in Virginia. The sister was in Virginia during the time the frauds were committed. We have proof, including a receipt of a transaction she made on the first day of the fraud. We also have proof that she was in possession of the card during the times of the fraud, and that she didn't loan her card to anyone before, during, and after the frauds were committed. After several months, We received, from Bank of America that Thay have concluded that we were responsible - based on their conclusion that the card was used by my wife 's sister because she apparently also keyed in the cards pin number. Bank of America provided not additional information as to their investigation into this issue. During this time we provided to them all of the information and proof we had. They did not cooperate with us, such as detailing their investigation. That simply mailed us a letter that was an exact copy of their first resolution. We are currently waiting - after 2 months for their third resolution, which we know will be the same as the first two letters. What can we do to resolve this issue?

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 2023-12-04 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is a follow up to original complaint XXXX Chase has only provided the credit card portion but has not refunded my ultimate rewards points XXXX despite the letter saying so. Can you refund the points asap? 
I have only got the dollar amount {$42.00} but not the ultimate rewards points This is the original complaint I had asked the Chase ultimate rewards to explain and investigate about the charge of XXXX points I used to book XXXX XXXX XXXX, Chase ultimate rewards reference XXXX Original book ID XXXX The advertising on the chase page is incorrect, you can't check in because there are no keys and no front desk and as a result, I have to book another hotel I had contacted ultimate rewards multiple times and each time they told me they are resolving the issue, it has been over a month The Chase response is You received a one-time courtesy credit Reference Number : XXXX Dear XXXX XXXX : We XXXX XXXX to your request for a refund of your reservation you purchased using your credit card account ending in XXXX. We appreciate the opportunity to assist you. You are welcome to share our resolution with the Better Business Bureau. 
Thank you for your patience while we reviewed your request for a refund of your reservation. We completed our review and decided to process a one-time courtesy refund of XXXX points and {$42.00} back to your Chase Sapphire credit card account. You can see the refund on chase.com and on your next billing statement. The total monetary value of the refund is {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
15 usc 1605 was violated. 15 usc 1662 was violated. 15 usc 1635 violated. the company is exter fiance. once we get in contact i will have more info. for you guys thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hollis Cobb Associates
State: NH

Complaint narrative:
In violation of 12 CFR 1006, this debt collector ( Hollis Cob Associates ) collected a pay-to-pay fee through a third party payment processor while not expressly authorized under state law nor expressly authorized by the agreement creating the debt ( XXXX XXXX XXXX XXXX XXXX XXXX I asked the debt collector if this was expressly authorized by the agreement creating the debt, and they stated that they dont have that information. The amount owed was {$90.00}, I was charged {$96.00}, of which {$6.00} was the pay-to-pay fee. I was forced to pay this fee to resolve the debt. I attempted to ask for the fee to be refunded, and they refused. I advised that I would submit the complaint if they did not agree to refund me, they ended the call. The Bureau of Consumer Financial Protection advisory opinion ( XXXX ) clearly reiterates that debt collectors are prohibited from collecting any amount including interest fee charge or expense incidental to the principal obligation, unless otherwise expressly authorized as stated above. I am attaching proof of the amount paid, the fee charged, the account paid in full, and the details of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I initiated a wire transfer from my Wells Fargo Bank N.A. personal checking account for {$25000.00} on XX/XX/2023. Later that afternoon, I received a call from Wells Fargo customer support to verify that I had originated the transfer ( e.g. that it was not fraudulently initiated ). I confirmed those details over the phone, and this customer support agent informed me she had processed the transfer. 

By XX/XX/2023 ( three business days later ), the wire transfer was not showing in the destination account. I am submitting this claim on XX/XX/2023, since the funds are still not in the destination account. I called both Wells Fargo ( initiated ) and XXXX XXXX  ( receiving funds ). Wells Fargo indicated they had successfully completed their part of the transaction. XXXX informed me that Wells Fargo had not successfully released the funds. 

For additional context, I also sent another wire for ~ {$2700.00} to the same external account, which was available to me the following day.

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