vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: PA

Complaint narrative:
1.I have never had an account with this company DISCOVERBANK XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are DISCOVER FINANCIAL SERVICES the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reached out to XXXX XXXX, Transunion LLC, and XXXX requesting information in which I have yet to receive a response. All are in violation of my rights as a federally protected consumer. I have been taken advantage of due to malpractice while several laws were being broken under the FCRA. This has caused me financial injury, as well as defamation of character. I have not had the ability to attain new employment, apply for credit, nor have I been able to apply for a XXXX loan due to the pandemic. Under this crisis you've hurt my ability to attain credit.

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 2021-12-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to XXXX XXXX, XXXX XXXX, and Experian requesting information in which I have yet to receive a response. All are in violation of my rights as a federally protected consumer. I have been taken advantage of due to malpractice while several laws were being broken under the FCRA. This has caused me financial injury, as well as defamation of character. I have not had the ability to attain new employment, apply for credit, nor have I been able to apply for a XXXX loan due to the pandemic. Under this crisis you've hurt my ability to attain credit.

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 2021-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
Submitted a complaint a while ago and my statement was clearly twisted. " Your company ALLOWED '' someone to steal my money and make revisions to my account and transfer it out. This is the absolute only way it could of been taking is to be transferred via a dtcc or acat transfer. This large amount of XXXX could of not gone in one large batch. It would of required a medallion signature and occurred somewhere in XXXX Who ever stole it which I believe is the same person who did it in the past, probably switched the tax id number and name. Please check your records for large amounts that total XXXX  from a particular account. I would bet it is my account. XXXX XXXX and their fraud team will be able to search. 

Case XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX Account Number ( last 4 digits ) : XXXX, XXXX, & XXXX CFPB Case Number : XXXX CFPB Case Number : XXXX Dear XXXX XXXX : I am writing you on behalf of FNBO, in response to your complaints submitted to the Consumer Financial Protection Bureau ( CFPB ) . We received the complaints on XX/XX/XXXX and XX/XX/XXXX. As we understand it, you expressed concern that you have been unable to locate your account and your assets with FNBO. You stated another individual was allowed access to steal {>= $1,000,000} from your account and then transferred the account to another financial institution. We appreciate you sharing your feedback with us and hope the information below will help to address your concerns. Our records show you have two open deposit accounts with FNBO, a sole owner checking account ending in XXXX and a savings account with XXXX XXXX XXXX listed as the minor account holder ending in XXXX. Your most recent account statements for your checking account and savings account are enclosed. The statements show your account balances as of the statement closing dates. You also had a checking account ending in XXXX that was closed on XX/XX/XXXX. That account had a zero balance since the close of your XX/XX/XXXX account statement ( enclosed ). You added a verbal password to your above-referenced open accounts on XX/XX/XXXX. For the security of your accounts, that password will be requested each time you call. Additionally, your accounts do not have an associated Power of Attorney ( POA ) on file as of the date of this letter. We searched our records and were unable to locate an account in your name or in XXXX name, containing the dollar amount referenced above. Thank you for giving us the opportunity to reply to your concerns. Sincerely, XXXX XXXX Office of the President, FNBO  XXXX Enclosures ( 3 ) CC : Consumer Financial Protection Bureau

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 2021-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
TransUnion XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : XXXX XXXXPlease take a look at the original amount and the current amount. It doesn't seem right. Remove this collection from my credit report for its errors. 
XXXX XXXX XXXX Balance : {$0.00} XXXX120days ; XXXX90days ; XXXX60days ; XXXX30days ; XXXX60days ; XXXX30days I am not late on this account. My record shows that this account was paid as Agreed and Past Due is 0. Please adjust immediately. XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiryXXXX, XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly XXXX XXXX XXXX Balance : {$0.00} XXXX120days ; XXXX90days ; XXXX60days ; XXXX30days ; XXXX60days ; XXXX30days I am not late on this account. My record shows that this account was paid as Agreed and Past Due is 0. Please adjust immediately. XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX These inquiries does not make sense for me, I can not remember it, so please remove it immediately. 

XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly ( Original Creditor : ) XXXX Balance : {$92.00} Please confirm the information shown in this account or delete this account information from my credit report, because I believe it may be erroneous. XXXX Date of inquiry XXXX XXXX  Date of inquiry XX/XX/XXXX These inquiries does not make sense for me, I can not remember it, so please remove it immediately.

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 2021-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Hello, the year is XXXX  and I was a student in XXXX XXXX university  and from the beginning I felt that this was not the place I wanted to be. I was XXXX years old and just got out of high school with no knowledge on how the real world worked but because of reasons with family matter I was convinced to go here. When I went to XXXX XXXX university I was told that they had XXXX XXXX  classes that would teach me all that I needed to succeed and I believed them but I was very wrong. I asked them if other Students come here trying to do the same and when I was there none of them did. 3 days later after classes had started around XXXX, I asked one of my professors that teached XXXX transitioning to XXXX XXXX  ( which I believe is a professor to go when you need help to transition ) about my major and I remember to this day what she said and I quote " Do we even teach that here? '' from there on I had to get out. Another was the teachings, an example was XXXX XXXX and as a XXXX XXXX I was excited at first but when I was in class all they were teaching was how to use XXXX XXXX. I would Like to include that XXXX XXXX is not learning to use XXXX XXXX  and that includes XXXX XXXX, XXXX XXXX XXXX  software and the very next week I went to the office and told a the woman there that I wanted to drop out because I felt that this college is not for me and what I want to study for. So I told her what that professor said because it made me feel more lost than I already was and because I was so XXXX and XXXX XXXX I even cried in her office where there were people around but all she could say was something like don't drop out because what would all of your friends think when they see you are the only one not graduated. Even after telling her that this was not the college I wanted to be in she still insisted I stayed. I ended up wanting to drop out before it was too late but when I did there was nothing I could do since the time period had already past. My experience in this college can be described as a misfortune since they did not teach what I was looking for even though they told me they did and my hope was to at least learn similar things so that I could transfer my credits but that was not the case. At the time this college was more focused on other studies but not game design. I am in another university and from the very beginning they kept their promise and what they teach are so much more and as you can see it is not my incapability to not learn but what was being taught in that XXXX XXXX was not remotely close or what they taught was not in the major that was told to me from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Via ATM, I deposited 2 checks on XX/XX/21 from XXXX XXXX for damage to my roof following Hurricane Ida. I didn't notice there was a co-payee ( XXXX, reverse mortg ). Capital One cashed checks but froze money. Since then, I've been speaking with Cap One, XXXX XXXX and XXXX, all to no avail. Cap One insists XXXX, as initial remitter ( 1 ) do a stop-payment ( checks already cashed, so no can do ), ( 2 ) do a reverse payment and recover the funds, or ( 3 ) XXXX can do hold harmless letter. I've spoken w/ people at XXXX and XXXX  and Cap One and haven't been able to get anybody to budge. I'm the correct recipient but I didn't see XXXX was co-payee. ( My bloody mistake!!! ) Nevertheless, I've tried to follow all suggestions and nothing has worked. Meantime, my money is sitting in the bank frozen, for more than a month. And my roof hasn't been touched. 

I made a mistake. Bet I'm not the only one. But the fallout from this mistake has been never-ending, energy-sapping and just unbearable. I imagine I'm not the only one who made this mistake. The fix for this mistake is onerous. In fact, that's too small a word. Life-sucking is more appropriate. 

The attached document gives all the particulars. I'm waiting just now to see if XXXX is willing to do a reverse payment to recover the funds. I don't understand why it's so complicated. I feel I'm being batted back and forth between powers greater than I.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Hi, I had a dealership offer to purchase the vehicle at {$17000.00} whole the loan is at {$15000.00}. I am requesting reconsideration to allow the dealership to purchase this loan if not RBFCU will loose money if sent to auction and receives less than what is owed of not less than what the vehicle is worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CARVANT FINANCIAL LLC
State: CT

Complaint narrative:
This is my second complaint filed against Carvant Financial. I had a vehicle Repossessed and the amount that was delinquent is now {$700.00} higher than when the account was written off. 

Carvant Financial half fixed the last complaint that had one year of late payments after the account was closed, when you read the last complaint you will see they agreed to fix this and it's still not correct. There should be no late fees or added interest to an account that is closed. The added late monetary amount reduced my credit score XXXX points.

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 2021-12-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Ive had a claim since XXXX and it got denied according to them because I didnt submit claim papers but I have screenshots and my emails to prove that I have sent I then call them to speak to a manager and tells me they havent got my emails so then i said okay well on my side it shows that I am sending it to the correct email and then they keep telling me to wait a couple days to update I been waiting its now several months and I made a new claim and the same thing so Im like okay so whats the next procedure because yoi guus keep telling me the same thing over and over and I keep waiting and each one tells me to wait till it updates I have screenshots that I am sending it to the correct emails Ive sent in the detective information Ive sent in police report and pictures of my place burglarized. On where all my knflrtmairon and passwords were stoled

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX, I transfer {$30.00}, 000 to XXXX and XXXX XXXX XXXX, I wire {$10000.00} to XXXX again. This is scam. I realized it until they asked me to join the VIP. But they didn't tell me the truth under I join. Then, they freeze my account and force me to transfer more money in. 

The guy walked me through to transfer and wire. Chase is my bank. I called my chase bank today and they said they can try to recall the wire but they can't promise me anything. Also, the transfer $ XXXX, they don't do anything. Please help me to get my money back. Please. 

Scam : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
To Whom It May Concern : I am writing because XXXX is practicing unlawful practices. I cancelled my service with XXXX in 2019 but they billed me still for one month after for XXXX dollars. They did not try to contact me or take the amount out with the autopay I had set up with them. XXXX send me to collections. I would like them to take me off collections for the debt that I do not own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to XXXX XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation