vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
On XX/XX/2023, I received a letter from, First National Bank of Omaha ( fnbo ), informing me of an increase in my interest charges. 
In the letter they stated that they obtained my credit score from XXXX on XX/XX/2023, and based on that score, which they stated was " XXXX '' my interest rate is increasing to 27.24 % starting XX/XX/23. 
When I checked my XXXX account on XX/XX/23 for scores, I found my score to be XXXX not XXXX. 
I then checked my report, from before XXXX ( XXXX ) and it was XXXX, I then checked my report for XXXX again it was XXXX. 
I called customer service and explained to them that my XXXX score was XXXX not XXXX and asked them where they got their score from. They completely blew me off and told me that if I had an issue, I must contact XXXX. 
I contacted XXXX and they said my score was XXXX. They also told me that fnbo was using XXXX Data not XXXX Score and using their own formula to get the XXXX and could not tell me which scoring model they used. 
I did have my report sent to me. 
I called fnbo again, and told them what XXXX said about their score, they insisted that they were using my XXXX score to wich I replied but it is XXXX not XXXX. Again, they said if I had a dispute, I had to take it up with XXXX. 
After receiving my XXXX credit report still showing my score as XXXX. I discovered that fnbo accessed my XXXX credit report on XX/XX/23 not XX/XX/23as stated in their letter. 
So my complaint is this, First National Bank of Omaha is not using XXXX XXXX to make the discission to rase my interest rate as stated, but they are using their own formula to create their own score, to raise rates on an account that has never been delinquent or over drawn.

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 2023-10-02 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: VA

Complaint narrative:
The following hard inquiries are on my credit reports from the credit bureaus without my knowledge or request from creditors : XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/23 I tried to renew the CD but I found out they lied from fixed CD rate 3 % to 2 %. 1 year ago, I opened a fixed CD for 3 % at Chase Bank in XXXX XXXX, they insisted me to open an account, credit card- changing people, move me everywhere to distract/ confuse me for 2 hours. I trusted Chase, top 3 banks in our USA, and believe they gave me everything. ( 60-70 pages ) But when I took out the whole package, the CD paper was not there. On the online banking, it shows 3.68 % on my fixed CD account, but the bank manager told me its current rate. If its 2 %, I dont need to move money out of Wells Fargo ! The whole bank lies to me and rubs me {$2200.00}! Please help me and give me the Justice! I believe they do this to A LOT OF PEOPLE! Please help us/ me and my family! ( the money is for my mom/ brothers in XXXX and my son tuition! ) God Bless You and Your Lovely Family! God Bless our American! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/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 a 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 of 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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i am a victim of identity theft see documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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 check my credit and i found out that someone has been using my personal information they even bough a car with 2 credit cards and the other account i have no knowledge of im am a victim of identity theft i did not authorize these accounts

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i check my credit and i found out that someone has been using my personal information they even bough a car with 2 credit cards and the other account i have no knowledge of im am a victim of identity theft i did not authorize these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: LA

Complaint narrative:
This is 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 explanation
Consumer complaint received 2023-10-02 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: MD

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 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have called at least three times to discuss what seem to me " phantom loans, '' i.e. loans that I did not take out nor recognize from my personal history, as well as the fact half of the loans these Nelnuts bought from Great Lakes are showing on their website as currently in repayment -- while others ( correctly ) show that I am still enrolled in college. I have been left on hold for 4+ hours twice in the last two weeks, and one day their phones were down. I've also used their web form to submit my questions, once back in early XXXX, and again last week. I have still heard nothing, and am showing on their website that I somehow owe more than a XXXX when I am still enrolled in my XXXX! This is criminal! How are they being paid by the government to service these loans and all they do is charge undue interest, create made up loans, and hide behind a system clearly designed not to provide service to anyone -- but only squeeze as much money out of those who needed money to go to college in the first place? WAKE UP PLEASE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: MA

Complaint narrative:
I opened a new credit card account with PNC and immediately set up auto pay to avoid any fees or late payments. Their system chose a payment date for me and I completed the setup with my bank account. I review a statement several months later and saw that I was being charged late fees. I called PNC to get this situation corrected and a customer service representative informed me that my payment date was after my due date. The representative told me that she would correct the issue and as a courtesy remove one ( 1 ) late fee. A few months later I reviewed my statement and was still being charged late fees. I called PNC and requested a supervisor review what had happened and to get the recorded calls. I have not been contacted as of yet and am still getting late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is 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 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
Description of the problem : On XX/XX/23, I made my first payment to Mohela. The payment was failed, nothing showed up in my bank account nor Mohela account. 
On XX/XX/23, I made my second payment to Mohela. My bank account showed me a successful transaction, while it showed nothing on my Mohela account. I called Mohela, they told me they the payment was not success. They couldn't find my bank account based on the information I input. They also suggested me using a saving account to make a payment, instead on a checking account. At this point, I though this might be a system issue. So I called my bank, to see if there are anything they can do to help me get the money back. My bank said Mohela already took the money, there is nothing they can do to take the money back beside filing a claim. So I file a claim about Mohela not putting my money to a correct account, and I got a credit on my checking account. 
On XX/XX/23, I made my 3rd payment. This time, I followed what the Mohela staff told me, I use a saving account for the payment. Same thing happened, my bank showed the transaction was completed, while my Mohela app show nothing, and I couldn't find any of my payments history on my account. 
Now, my requests are : 1. How can Mohela fix the problem in their end? I can make the payments as many times as possible, but if none of my payments go to my student loan, there is no point of me doing this. 
2. Since Mohela claim they did not received the money, how can I get my money back? ( The transaction on XX/XX/23 ) 3. If, in the worst case scenario, the problem got fixed after my payment is due, can I not paying the interest for that part? Since it wasn't my problem, it was Mohela 's problem on not putting my payment in a correct account.

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 2023-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
Commonwealth Financial ( a collection agency ) reached out about a debt during the week of XX/XX/2023. This was a debt that was from many years ago based on an ambulance bill for our XXXX XXXX XXXX. The original creditor, XXXX submitted the claim to primary insurance which did not cover this fee, as secondary insurance ( Medicaid ) pays for this fee as a part of their transportation program. The hospital got pre-approvals and set up the ride directly through their vendor XXXX. ( XXXX XXXXXXXX XXXX ) before taking this ambulance ride. After XXXX sent us a bill years ago, we sent them our secondary insurance information. XXXX, according to our medicaid provider XXXX XXXX never tried to balance bill them and continued to try and collect directly from us. As I understand in Pennsylvania you can not balance bill a medicaid subscriber. 
According to Commonwealth, this debt was sold to XXXX XXXX XXXX. Earlier this year I again provided information regarding my son 's medicaid number and told them that XXXX never submitted claim to the insurer. I also offer to assist in researching this aged claim and wrote them a letter with any details I could find. My son takes ambulance rides all of the time to doctors appointments as he is XXXX XXXX XXXX XXXX  and no other ambulance company has had issues billing and we never receive balance bills over 15 years. XXXX has multiple claims for collection through their collection partners but refuse to bill our secondary insurer and instead come after us directly, even though the secondary insurer is the one they have the contract with for transportation. 
This morning we found that Commonwealth Financial had put a derogatory remark on our perfect credit report. If this was a valid debt I would pay it, however it is a charge that insurance covers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
In accordance with the Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], provide clear and accurate consumers information : Experian Repeatedly Refused Remove the inaccurate personal information from my credit report cousin emotional distress as well as financial distress Experian Repeatedly failed to provide an option for me to dispute the incorrect personal information onLine, thus costing me additional money ( paper, ink, mailing fee, postage fee ) I XXXX XXXX once again Dispute the Inaccurate information as it appears in the credit reports generated by you Experian Report Number XXXX XXXX Under ALSO KNOWN AS XXXX XXXX - In -accurate - Experian refused to Delete, Failed to clearly and accurately report my name XXXX XXXX In -accurate Experian refused to Delete, Failed to clearly and accurately report my name XXXX XXXX In -accurate Experian refused to Delete, Failed to clearly and accurately report my name XXXX XXXX In -accurate Experian refused to Delete, Failed to clearly and accurately report my name I XXXX XXXX In -accurate Experian refused to Delete , Failed to clearly and accurately report my name Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX In -accurate - Experian refused to Delete, Failed to clearly and accurately report my name XXXX XXXX XXXX XXXX XXXX XXXX In -accurate - Experian refused to Delete XXXX Failed to clearly and accurately report my name Experian response to my phone and email disputes : Since names, addresses and employers don't affect your credit score, consider disputing only clearly incorrect personal info, as opposed to small spelling errors. 

****Please Remove this Inaccurate information as being in Dispute from my credit report Immediately Sincerely, 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 2023-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: KY

Complaint narrative:
I had bought some furniture from this company called acima, with a 90 day pay off option. 
We are XXXX XXXX XXXX and nothing was established in the agreement with Acima and my husband and I. They did not disclose the MLA, then overcharged us for a {$1900.00} purchase, and said that if the 90 days the product was not paid off, then we would have to pay {$4000.00} for our product. Spoke with customer service and customer service told us that they have a 35 % agreement ( which was not explained nor spoken about prior to entering the agreement ) and failed to give us our MLA rights to our purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Months ago I finally did my homework on what was ruining my credit score. My ex wife used my personal information to apply & used credit cards without my consent. She used her phone number & email address so I couldn't receive notification. If there's no justice in that, why bother being innocent. Even the police don't seem to care. Take initiative that I'm looking for a better future & these criminals need to be hold accountable. 

Blessings ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: NY

Complaint narrative:
I found inquiries that dont belong to 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 2023-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Commencing on or around XXXX XXXX  I fell victim to two multi-layered scam operations run by XXXX and XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
TV is everything in accordance with The Fair Credit Report act XXXX XXXX XXXX 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. 15 USC 1681 602 Section A States I have a right to privacy. 15 USC 1681 section 604a section 2 : and also states that a consumer reporting agency can not furnish an account with out 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 2023-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: FL

Complaint narrative:
I received a letter from viking for a reported debt from XXXX XXXX claiming I was in an accident. This is a lie as I have never been in an accident. I only rented twice from them : XXXX XXXX XXXX under my account XXXX. I have all my receipts and I have never reported an accident or caused any damage to their vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: OH

Complaint narrative:
I have a few inquiries on my credit report that arent mine at all

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