vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This XXXX is for Capital One Auto Financing. This is a negative inquire on my credit report that needs to be removed. I did not authorize this to be on my credit report. There are XXXX negative inquires from Capital one Auto Financing. The dates of these inquires are XXXX XXXX, XXXX, and XXXX. I ask that you please take a look at this issue for this to be resolved off of my credit report. Please send Capital One Auto Financing a letter stating to them that these negative inquires do not belong to me, I am not responsible for these inquires, I do not have a Auto loan through them at all, and that the information needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has re inserted an sealed record back on to my credit file for third parties to see, that is a violation of my constitutional right to privacy, and it violates the FCRA, the record is off limits to CRA 's. I have attached evidence once again the case is sealed from the public.

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 2023-09-09 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: GA

Complaint narrative:
I purchased this gift card and used it twice at two different stores. I attempted to use it again and the transaction declined, with and without the pin number. When I called to find out why it wasn't working I received a generic answer stating they suspected fraud. I was then told I had to send a copy of the receipt when purchased, ID, and a picture of the gift card front and back. I can not access the funds I loaded and this is theft by corporation.

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Delete all errors on my credit report and my scores

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 2023-09-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MN

Complaint narrative:
On XX/XX/31 I called Nelnet ( my loan servicer ) to inquire as to why I did not receive an email informing me of my loan forgiveness. This email was to include information on loan payments that could be used to determine if I qualify for a refund due to paying past the 240 month threshold. According to the XXXX website, Nelnet was to provide this information on the email. I did not receive any email. when I called Nelnet, no individual I spoke with knew anything about an email, nor could they provide any information regarding whether I over-paid on my loans. Although this complaint is directed at Nelnet, the people at XXXX were just as unaware of what was happening and did not provide the requested information. 

All I want to know is whether I paid past the 240 month threshold, and if so, what payment dates were past the 240 month threshold.This information will help determine if I will receive a refund. 

Thank you

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

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights XXXX 

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

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

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX has violated my rights XXXX 

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

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 2023-09-09 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/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 2023-09-09 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX - XX/XX/2023

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 2023-09-09 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: Atlanticus Services Corporation
State: AL

Complaint narrative:
I didnt give my permission for this company to report my personal information to any reporting agency or person and they are in violation of my privacy rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Delete all errors on credit report and my scores

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 2023-09-09 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I will attach my complaint. We ( my wife and I ) purchased a couch from Raymour & Flanagan in XXXX XXXX. We took the credit application for the furniture. We provided up to date contact information on that credit app. We had only a copy of the app and awaited a payment/bill within 60 days. XXXX months have passed. We contacted XXXX twice in XXXX and XXXX to ask where our bill was. We were told the TD is processing the paperwork or they may have lost our application. Finally, we found out in XXXX that we were late on payments and our credit rating was downgraded. We contacted TD, despite many calls and found out that RaymouXXXX provided TD with contact data that was over XXXX XXXX XXXX. Neither the address nor the telephone was correct. 
Our credit rating caused us to get a high interest rate on a vehicle loan. We have never missed a payment on any credit we took out. It is completely out of character for us and would like our credit history erased by TD. It was clearly NOT our fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-09 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: NC

Complaint narrative:
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

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 2023-09-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
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

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 2023-09-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act DEPT OF EDUCATION/NELN Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

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 2023-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  scammed me into sending money for investment Money sent thru XXXX and XXXX and XXXX XXXX  from XXXX to XXXX No delivery on promise and no return on investment and no refund Main fraud XXXX  account is XXXX {$1.00} XXXX 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 2023-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I inadvertently transferred {$6000.00} from my personal account into an account indirectly linked to my account within the same bank. When I realized the error, we called the bank and spoke with a customer service represented at the bank on XX/XX/XXXX. A claim was processed and the funds were reversed out of the wrong account on XX/XX/XXXX, one business day after we filed the claim. Today is XX/XX/XXXX, and the funds still have not been deposited back into my account. I spoke with a customer service representative on Wednesday XX/XX/XXXX, who assured me that the funds would be back in my account by end of day. They were not. I spoke to a customer service representative again on Thursday XX/XX/XXXX who this time said the process takes 3-5 days from the reversal of funds to be deposited back into my account. I do understand why it takes so long and where the money is in the interim. The accounts are linked and within the same bank. Per the CFPB site, Reg E, 1005.11, The institution shall correct the error within one business day after determining that an error occurred. '' The funds were reversed within one business day, but they bank is still needlessly holding onto {$6000.00} of my funds for no apparent reason other than for their own benefit. It has been 9 days since we filed a claim. This behavior on the part of a big bank that is taking full advantage of an inadvertent error on my part to leverage the use of my funds. I would like to understand where my funds are between the time they took them out of the account in error and where they are now. I have not received a satisfactory response from the bank customer service reps other than " this is the process and it takes 3-5 days ''. To make matters worse, they made sure to give me the run around, connected me to several wrong departments, and hung up on me several times while putting me on hold forever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MN

Complaint narrative:
On XX/XX/2023 I was walking back to work after leaving XXXX XXXX at like XXXX XXXX All of a sudden I get a message alert, saying my prepaid secured credit card account has a balance of - {$210.00}. How? Because I just use my card so I know I only had XXXX XXXX left and I hadnt made any {$210.00} purchase so once I got back to work I called Chime. Literally no one could show me the charge or charges that cause me to go into a - {$210.00} balance. And after hours and hours of being on hold, they blamed it on the merchant, that I use most. XXXX XXXX. Saying they had my credit card info and force charge me. Which is a lie because XXXX isnt the kind of merchant that allows you to old him money. When you make a purchase from them you have to have the money right then in there they charge you right then and there. That Sunday late XXXX. I got a deposit in my account enough to cover - {$210.00} balance. All of a sudden once the balance is brought above XXXX charges popped up on my statement from XXXX at XXXX XXXX  on XX/XX/2023. How is that possible? My balance was already- {$210.00} so that wouldve made me a little - {$420.00}. Not only that all five of the charges were processed at XXXX XXXX which is impossible. Because XXXX XXXX  doesnt keep my information I have to type my information in for every transaction. So each transaction takes a couple minutes. Its impossible to do five transactions all at the same time. So I contact XXXX  and ask them if they have any record of me making any purchases at XXXX on XX/XX/2023 and they said no they have no record of these purchases. Chime has fabricated some charges to cover up the money they wrongfully stole from my account. There is no record of these charges ever happening from the merchant or for me. And chime still wont give me my money back. I asked for them to send me all the evidence they used for their investigation and all they sent me was a copy of my bank statement from Chime showing the fraudulent charges thats Chime themselves made. Nothing from the merchant. Nothing else to prove the charges were ever made or even exists. My statement doesnt even show me as ever having a negative balance anymore. Ive sent them proof from the merchant that they never charged my account at that time and that they dont force charge payments and they still refuse to give me my money back..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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:
My student loans were on the REPAYE before the pandemic. My payment amount was {$320.00}. The SAVE program was announced to replace REPAYE. All terms are the same, except the amount of income excluded from payments increased. This should reduce all payments when based on the same AGI. My servicer changed my payment amount to {$570.00}. I ran the calculations myself and discovered that this amount is the total payment amount under SAVE for my joint AGI with my spouse, who also has student loans outstanding. I called them on XX/XX/XXXX to inform them that my payment amount should have been allocated to my husbands loans as well as my own. They first stated that I had submitted something saying I was single. The last time I recertified was in XXXX  and I have checked the application and everything was correct. I was told multiple times that the only way to correct it would be to recertify. I do not want to recertify as the Department of Ed has guaranteed that we would not be required to for at least six months. I am entitled to make the payments based on my income from my last certification for at least that amount of time. I did not fill anything out incorrectly, I did not even request for my payment plan to change. I had no choice but to be moved to SAVE, and the President and the Department of Education are telling everyone payments will be lower, so it is unacceptable that my payments are increasing due to someone elses error, and I am being punished with having to recertify earlier. 

I then was transferred to a supervisor who told me they could recalculate my payment with the info for my husbands loans but she had to transfer me. I had to answer many questions about my income and family size to this person, when all of the information should have been on my XXXX  recertification. They said I should get a letter in 5 to 7 business days about the recalculation. After about a week with no indication on my Nelnet account, nor my student aid account that anything was being done, I spent more hours on hold to inquire. They told me they didnt know why it wasnt processed yet, but they didnt see any issues with it. I requested they send me some kind of documentation for my records. They claimed they could not provide me with anything other than verbally. 

Almost another week has gone by with no indication that my payment will be recalculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Progressive Management Systems are trying to collect a medical debt covered by the " No Surprises Act ''. There has never been a contract for any of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P.
State: MI

Complaint narrative:
Lendly is charging a much higher interest rate than was I was told during the application over the phone. The entire process was over the phone and when I asked for validation of my loan and comments to see my interest rate it was XXXX %. The Michigan XXXX loan maximum interest rate is 25 %. I send the Michigan XXXX statutory law to Lendly and asked for a reduction to the state maximum and was completely ignored.

Company response to consumer: Closed with explanation