vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX Bank has account nr XXXX with a XXXX of {$690.00}, a fraudulent acct, which I did not open. The acct was opened XX/XX/XXXX the due date is XX/XX/XXXX. They have stopped the card and told me to go to FTC. gov and to file a police report, also send them information they requested from me by mail and I have done so. I want this removed from my consumer reports. Need to get copies of my reports to find out if further fraudulent actions have been taken. The bureaus are listing several things I have not done, a mortgage, a car loan, and Saturns loans which I will write about to you when I get more precise information from them.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I've called and mailed a certified letter to the following lenders and credit agency on XX/XX/XXXX, informing them about the incorrect information that's reporting on my credit report. I don't recognize either company, I've expressed my concern and I have yet to receive any correspondence that the following inquires were removed. 

Transunion XXXXXXXX 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 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I received and notice to my email to apply for a credit card. Being I already have two cards with capital one I decided to apply. After applying I received a notification to upload verification. I uploaded a driver 's license and paystub. A few days later I started to follow up on my application. On XX/XX/XXXX I called and got absolutely no where with the representative and requested a US rep. Got a US representative who kept discussing my current cards and asked me if I could give her the last four digits to a card I don't even have ( XXXX ). I spent XXXX  mins on the phone with no answers or resolutions. On XX/XX/XXXX I called and got XXXX in the fraud department who was not just incompetent but rude. Extremely. When I asked to speak to a manager she said " I'm a manager and I'm as high as you can go sorry '' when I said I would like to put in a complaint regarding how rude she was she said she will note her on complaint!!! And .... Said she will not let me speak to anyone else! This is ridiculous! I understand doing verifications to prevent fraud, but I have two cards always! What a joke and a waste of time. This company has to be the worst! Disrespectful, arrogant, and incompetent. I will be issuing a XXXX  complaint as well. 

Such fraud. Sends me a pre-approval and say I'm not who I say I am!. 


Application # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # 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 U.S.C 1681 Section 602 A. States I have a 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 ... ....

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # 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 U.S.C 1681 Section 602 A. States I have a 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 ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I am including the letter that I sent to Bank of America regarding a credit card dispute. I had ordered tires by mistake, and wanted the order canceled. I was told over the phone that this would be taken care of, but the order was still sent. Due to this, I then disputed the transaction from an auto company, who, after a lengthy dispute, said they would accept the return. I have all of the email records and screenshots of the issue and their guarantee. 

Instead of accepting the return, the merchant responded to the dispute. 

Bank of America followed all of this up by sending me the documentation regarding the dispute ( dated XX/XX/2022 ) but indicated it was due on XXXX XXXX, 2022. The actual mailing was not received by me ( via XXXX ) at my address until XX/XX/2022 ( yes, I check the mail every day ). Their customer service representative also indicated that there were no notices sent via their online portal. 

The timeline for these disputes is not long enough and did not give me time to respond properly to the complaint. They need to do a better job of taking care of their customers.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX XXXX I sent Equifax a letter to investigate an account that they are reporting inaccurately. They did not investigate the account. So I sent a follow-up letter on XX/XX/2022. Still no response and no investigation. 

In XXXX I called the state of Colorado to find out how the were reporting this, they stated they are not reporting it due to it not being an active open account. They stated that no one has requested any information from them. 

This inaccurate, incomplete and outdated information is an FCRA Violation and they fact that it has been over 60 days and they have not even investigated this is a blatant disregard for the law. 

Ive included both letters that were sent to them and a copy of my credit report with the inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
I had a mortgage processing for myself, and I found out by that time on XX/XX/XXXX that I have several hard inquires on my report, after carefully investigate these items, I realized that my information has been stollen and went to wrong hands. 
So here I am : It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

I '' M NOT USING ANY THISR PARTY FOR THIS COMPLAINT, I'm representing myself, by myself. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. 
THESE ARE NOT MINE AND BEEN PLACED ON MY REPORT BY FRAUD : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My position is being clearly stated, items do not belong to me, meaning that you are reporting inaccurate information within my credit file. 

YOU are reporting the INQUIRIES that are the result of the fraudulent activities. I must be noted that I did not apply for credit accounts with the below listed companies and creditors, they are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. 

Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
I'm including here FTC REPOERT, SSN card, Proof of Address and copy of my Driver Lisence.

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 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX has had an ongoing problem with their rewards program. I have made XXXX  calls and send XXXX emails since XXXX. 
On the XXXX call I was assured the rewards would be available the next time I shopped at XXXX 'S. That did not happen. 
The next call I was told the problem would be resolved by the end of XXXX. I have shopped XXXX since the end of XXXX and have yet to be able to redeem my rewards. 
The emails seem to be answered by a robo answer. I tried to call last week and hung up after being on hold for XXXX XXXX XXXX XXXX XXXX 
When I look at my account on line, I see that I am entitled to {$90.00}. I need to get that money. It is my money as promised by my agreement when I got the credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MoneyLion Inc.
State: NV

Complaint narrative:
On XX/XX/22 I have transcripts with an MONEYLION INC Representative confirming that the account was going to be removed in the beginning of XXXX as by federal law it is to be removed immediately. Contacted a minimum of 5 times asking for a manager since XX/XX/22. 

Please see attached

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: SD

Complaint narrative:
In XX/XX/XXXX, I called Nelnet to determine what I needed to do to make my student loans direct to qualify for the XXXX relief plan. During the call I was informed my loans were already consolidated and no further action would be needed to qualify as direct loans. 
Today, I learned that was incorrect and the information should have informed me to apply for my loans to be converted to direct as I was inquiring about. 
The deadline for this type of application was expired on XX/XX/XXXX. 
Realistically, I face an enormous uphill challenge to prove to the XXXX of XXXX that I was incorrectly advised and to allow an exception to my loan conversation to still qualify. 
I have no mechanism to hold Nelnet responsible, which will cost me thousands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: CA

Complaint narrative:
i have a KEYBANK account now and had one in the past and it closed on XX/XX/2022 and confirmed by XXXX supervisor, XXXX, XXXX, XXXX, XXXX and a few keybank reps. so, my school didn't look right and sent funds to the closed account on XX/XX/2022 and they kept the funds even though the account is closed. this is a big gap between dates. they sent the account to a third party on XX/XX/2022, so it is not keybank anymore and they touch my personal info and my funds that weren't suppossed to be deposited there as the account was closed. i belive one has to give the right for a payment to be authorized. however, all keybank agents are stating it shouldn't have gone through and funds shoule be return. moreover, when i call the bank and it's been a month now, they just pass me around to several departments and lie over and over they change dates over and over and then balme the keybank direct resolution department and then tell me it's actually XXXX XXXX XXXX  and XXXX  tells me its KeyBank. KB tells me supervisors and higher ups will call me and nothing no one can do anything. the alst agent said he was a higher up of a higher up and the answer was " its XXXX XXXX  who doesn't want to give funds they settle and then when i question him he said it was keybank resolution department and that was final. i informed them that i am in the verge of getting taken out of school because of the funds were to help school and they don't care and i even told them that the funds went into wrong account it had to go to open account and they keep lying and i told them i didn't authorized any funds to be use as payment.and keybank or XXXX XXXX  don't care

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid 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: Avant Holding Company, Inc.
State: IL

Complaint narrative:
This is the second time this has happened with this particular credit card, Avant. The first time, I happened to look at my statement and saw charges from a fitness club I did not make or have no knowledge of the fitness club. When I look up the fitness club on XXXX it shows all of the fraud done, by XXXX XXXX XXXX, to other people on their credit cards and the complaints they've made. The name of the fitness club is XXXX XXXX XXXX So, I called and reported the fraud and was issued a new card. I paid off the balance of my charges. The card was at {$0.00} as of XX/XX/2022. I receive an email today, with a new statement, and when I looked at the statement the same charges from XXXX XXXX XXXX were there again, giving me a new balance. I immediately called to report the fraud and requested my account be closed. I spoke with the fraud department and also customer service and was told the call was recorded. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: UT

Complaint narrative:
On Monday, XX/XX/XXXX, I made an initial attempt to contact Mohela. I was on hold for XXXX hour before the call was hung up on. On Tuesday, XX/XX/XXXX, I contacted Mohela again to request a refund of the payments I have made to my account since XXXX of XXXX, after conducting some research on the Federal Student Aid website about this opportunity and Biden 's Loan Forgiveness. I was on hold for two hours again, only to be hung up on, again. I then called yet again shortly after and endured another 2.5 hour hold time. I was finally able to speak with a Mohela representative. She asked me for some identification information such as my name, birthdate, last four of my social, home address, email address, and phone number. I told her that I was requesting a refund to all payments I had made to the account since XXXX of XXXX. She informed me that it was now being processed. However, when I asked how long it would take to " process '' this and reflect on my account as well as when I would receive the refunded money to my account, she told me 90 to 150 BUSINESS days. I was immediately taken aback after hearing this. I was a pell grant recipient and am therefore eligible for {$20000.00} in forgiveness, though my loans were less than that. During the pandemic, I made about {$10000.00} in loan payments to two different student loan providers.

This time frame is absolutely absurd and not realistic for those who are trying to apply for Biden 's Loan Forgiveness. It is also very unjust to withhold the money people have paid and need returned in order to support their living expenses. Other student loan providers are quoting much shorter wait times from 3-8 weeks and I have already seen many other students receive those refunds within the promised time frame.

I had requested some form of confirmation that the conversation occurred and that Mohela was, in fact, processing my refund request. I was told they can not send out confirmation emails or anything to prove they indeed did send in the request. I realize that with the influx of calls Mohela is experiencing, having the money returned could take some time, but it is very concerning to me that they are saying this entire process can take 90 to 150 business days minimum when other student loan providers have a much quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance just 36-72 hours later after requesting it makes me very concerned that this company does not have our best interests at heart and could not care less about the life altering effects that their decision to ignore consumers is having on so many people 's individual lives and well-being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reached out to this company many times asking them to validate everything on my credit report and to furnish me with the original documentation/ invoices so that I may take the next step. This company has refused to send me what I have requested, yet still states that the information has been validated. This has not only caused me distress but embarrassed me as well as the reason why I was checking my report in the first place to move to another place. I was denied due to what was seen on my transcript. This company has continuously refused my pleas to send me proof of how these erroneously accounts are being verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On the morning of XX/XX/2022 I had five alerts from my Citi rewards card of charges I did not make. I immediately called Citibank to report the fraudulent charges and to close the account. I listed each one of the names of the businesses & charges and expected an investigation and to be reimbursed for the five fraudulent charges. Approximately one month later, when I still wasnt reimbursed, I called Citi again and had to again list the five fraudulent charges in detail and was assured it would be resolved. Today, XX/XX/2022 I called to ask where this stands and had to list the XXXX fraudulent charges yet again and was transferred to a security fraud specialist who told me that it was still under investigation?? Citi security/fraud told me they have 90 days to resolve this issue. I have learned I should have received a provisional credit for the amount of charges in question within 10 business days of reporting the fraud according to the law. In the meantime, I have these five fraudulent charges ( totaling close to {$400.00} ) sitting on my credit card accruing interest when I did not make these purchases. I feel I did what I am suppose to do, reported the problem immediately and closed the card immediately. I feel Citi isnt doing what they should do to protect their customer.

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