vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: EdFinancial Services
State: NY

Complaint narrative:
My student loan payments were marked as payment returned by bank, a few days after but my bank has no record of the charge even being attempted. This occurred around my due date and caused my payment to then be overdue. I attempted to pay the overdue balance again, and was given the same payment rejection message as before. My bank is well aware of the situation and if the charge was properly made there should be no problem in paying it. This was all done through EdFinancial. I attached an example of one of the messages they sent me about my payment, which happened for every loan I tried to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
I have not received Any medical services in the last 10 years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX, XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/20XXXX XXXX XXXX XXXX Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/20XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry 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 non-monetary relief
Consumer complaint received 2024-04-12 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX  XXXX XXXXXXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/20XXXX XXXX XXXX XXXX Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2023,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I have been fighting with XXXX concerning XXXX XXXX putting info on my report when I was in Bankruptcy. They kept updating my file as if they were open. The private loans were included in my XXXX bankruptcy as a hardship, That was the end. Then XXXX XXXX bought the " XXXX XXXX '' and have been trying to collect on this in previous years. Then they claim they were with XXXX loans which that was not on my paper work I signed, it stated private loans so I called XXXX and spoke with XXXX XXXX and he told me they were dissolved and another guy took over this " Bad Paper '' in XXXX. I sent to XXXX and XXXX XXXX to show where they were XXXX in my first bankruptcy due to hardship in XXXX and I have been ignored and credit report has been demolished by this company. I can not get decent living conditions. They kept threatening me into default for XXXX years and have yet to do so. I feel like I am being bullied by this company. They have a stack of my paperwork through the years. I feel they have violated the FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to you regarding the accounts listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is illegal to report information on my credit report without my permission. Upon reviewing my credit report, I have identified several accounts that have been reported without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information.

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Account was closed on XX/XX/year> and I have yet to receive check for remaining balance over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: IL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC
State: OH

Complaint narrative:
The company, The Receivable Management Services LLC, did not provide the requested documents in my previous complaint, and I would like to request them for a second time so I can verify this debt they claim I owe to them. I did not receive any written notification of this debt before it was reported on my credit report. The previous document the company provided is not what was requested and does not show proof that they own any debt or that I owe this company anything.

In light of this, I kindly request your assistance in furnishing the following : 1 ) Certified receipt : A document confirming the delivery of a notification to me 30 days before reporting the account to my credit report. It should bear my name as the recipient.

2 ) Purchase agreement : A legal contract outlining the terms and conditions of the purchase between your agency and the original creditor regarding the debt in question.

3 ) Documents with my signature : Any paperwork or agreements that bear my signature and are relevant to the debt being pursued by your agency.

4 ) Statements : Financial statements or records showing the details and breakdown of the alleged debt, including any charges, fees, or interest accrued, along with a clear explanation of how the total amount owed was calculated.

Your cooperation in providing these documents will be greatly appreciated and will aid in resolving this matter efficiently. I want to reiterate my previous request to the Consumer Financial Protection Bureau ( CFPB ) complaint ID XXXX regarding the purchase agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: PA

Complaint narrative:
I called the fraud department at transunion credit bureau and address the following issues whic was unauthorized inquiries on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo advertised the following promotion : ' {$520.00} bonus when you open a new savings account and deposit {$25000.00} within 30 days. Must maintain the balance through Day 90 from account opening. ' The condition was that the account needed to be opened in-branch, as the code could only be applied there and not online. Upon visiting the local branch, I discovered that the banker was unable to find a section to enter the code. She suggested proceeding with opening the account first and assured me she would submit a form to headquarters to have the code applied retroactively. Trusting her assurance, I proceeded. As a precaution, I also submitted another request by calling a few days later. Approximately 1-2 weeks later, upon calling again, they confirmed that the code had been applied. 

Having met all the specified conditions, I patiently awaited the bonus deposit. However, as the wait grew longer, I had to engage in a customer chat with one of their representatives. He informed me that two requests had already been submitted on my behalf, both of which were unfortunately not approved. One was submitted on XX/XX/XXXX, and the other on XX/XX/XXXX. Both requests were declined with the following reason : 'Did not meet the following qualification : Have promotion bonus code presented and entered at account opening. ' I apologize for any inconvenience caused. Do you have any further questions I may assist you with? '' I don't think it is fair given the assurances I received from the banker. It seems that despite meeting all the stated conditions, Wells Fargo has failed to honor their commitment to provide the promised bonus. I request that CFPB thoroughly investigate this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Not being able to verify myself with my phone number, the same number I used to open my account now Im not able to access my money online or even pay my bills

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery is calling me repeatedly from various phone numbers in an attempt to collect debts that were discharged and well beyond the statute of limitations. I currently have no outstanding delinquent debts. They have texted me, called my personal phone & business phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
i sent this company certified return receipt mail asking them to validate this debt because this debt is not mine because of identity theft. there has been no response from this company at all and it has been over thirty days since i requested a debt validation. this is a violation of the If a debt collector continues to pursue collection without providing this validation within five business days of the request, they are in violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
There was an account open with a lease to own company named Acima that I have used once before that is not mine. The account was opened in XXXX  and I live in XXXX I looked at the account online through their mobile app and the payment information they have is not mine. The banks name is XXXX and I have never had an account with them I have had XXXX XXXX XXXX XXXX for the last 12 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX 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  XXXX, XXXX  and XXXX XXXX XXXX. These people in many rural areas generally have limited access resources to healthcare. It is an unfortunate unmet need we are not uncommonly experiencing within the U.S. 

On XXXX XX/XX/XXXX, I opened a checking account with Chase Bank, account # XXXX. The checking account could help us conduct the community support and humanitarian works more efficiently. 

On XXXX XXXX XXXX, Chase Bank sent letter to the organization stated that the bank decided to close our account without revealing any reason. As by the present date, the organization still not able to receive refund the money that was put into the account initially. 

On XXXX XXXX XXXX, I spoke with XXXX XXXX, private banker of Chase Bank, XXXX IN. I received no explanation. On XXXX XXXX XXXX, I spoke with XXXX, Chase Bank Branch complaint, XXXX ext. XXXX, Case # XXXX XXXX. I received no further explanation nor help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2022 I became aware that I had been a victim of identity theft. Someone had hacked my XXXX account and had purchased american express gift cards on both my blue and gold American express cards. I immediately contacted american express as well as the XXXX XXXX XXXX Crimes Division and then filed police report. 
The Gold removed the charges, the blue card said i had been scammed. The exact same items were purchased on both cards, yet the blue card, refused to remove the charges. I contacted experian regarding the dispute, and they have ruled in American express 's favor, which I think is ridiculous. How could the exact transactions be treated differently?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo is inaccurately reporting a missed payment on my credit report for XXXX XXXX XXXX this payment was never late and was not processed at fault of the creditor. 
Customer service member acknowledged to me the mistake and promised to remove the late payment, this had not happened. 

Payment was never late and 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 explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: PR

Complaint narrative:
Worst experience ever Worst experience ever. I moved to XXXX XXXX and they would not close my business account over the phone. So I have to fly back to Florida to do that. This is after a representative told me it was okay to close my account over the phone. They are not consistent with there policy 's. One representative will say you can do something and the other will say you can't. I closed business account with other banks over the phone no problem. This bank is incompact. I wonder how they manage peoples money. 

Date of experience : XX/XX/20XXXX 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