vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ). You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. 

You never had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed you guys to furnish this report and I never consented to this report in the first place. 

In addition to the many violations, Nelnet is NOT the original servicer of the DEPTEDNELNET Accounts # XXXX. That makes them a third party debt collector under the FDCPA. It shows the accounts are Paid in Full ( PIF ) which means these student loans were paid in full by an insurance claim filed by the lender or guarantor agency. It was paid via insurance. 

Nelnet has also failed to properly secure and safeguard personally identifiable information for more than XXXX XXXX borrowers, including myself during a recent data breach of its servers. The particular PII allegedly included my addresses, email addresses, phone numbers, and Social Security numbers. The complaint argues that the release of that information resulted from Nelnets ( 1 ) failure to secure the data, ( 2 ) failure to comply with industry standards, ( 3 ) unlawful disclosure, and ( 4 ) failure to provide adequate notice of the incident. 

What I am demanding right now is that you guys delete the multiple DEPTEDNELNET Accounts # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Payments were being withdrawn from my account automatically. There were XXXX occasions when there were insufficient funds I wasn't aware that it would cause my loan to go into default status as the payments were still being withdrawn on a monthly basis. XXXXXXXX XXXX XXXX my loan. When I tried to have the loan reinstated and an explanation of why it was charged off, it took several attempts to get answers. XXXX told me to call Citizens, and Citizens told me to call XXXX. It was a lot of back and forth with no answers. XXXX XXXX XXXX action, and now I am paying XXXX, XXXX, XXXX & XXXX XXXX XXXX XXXX Now, I have XXXX charge-offs on my credit report. XXXX are from Citizens Bank XXXX and the third is from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have contacted Equifax regarding errors I found on my Equifax credit report and have disputed these matters, but these errors are not being corrected and being closed as reported correctly. 

The first error I have disputed with Equifax that is not being corrected is regarding my current mortgage with XXXX XXXX XXXX XXXX. My Equifax credit report is reflecting that this account was 60 days past due for XX/XX/XXXX and XX/XX/XXXX. On or around XX/XX/XXXX I disputed this information with Equifax and on or around XX/XX/XXXX Equifax closed this dispute without correcting this information. This account was 30 days past due and never 60 days past due. I have been in communication with XXXX XXXX XXXX XXXX regarding this reporting error and they informed me to file a dispute with Equifax to fix this issue, as they could not initiate a dispute on my behalf as they informed me that they are not reporting a 60 day past due amount on this account to any of the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Date : XX/XX/2023 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. I sent a dispute letter the company claim the accounts was verified but it is inaccurate. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
We opened a checking account with a {$100.00} deposit at Bank of America XX/XX/XXXX, we planned to move the majority of our money into these BOA accounts. The branch did not order the checks as they stated, we eventually received them XX/XX/XXXX. On XX/XX/XXXX I made a XXXX bank check deposit of {$9000.00} into the new BOA account. We received a letter approximately XX/XX/XXXX stating the account would be closed, they could not give a reason, the letter stated this decision was not reversible and there was no appeal or explanation, we have excellent credit and they stated it was not related to fraud and we have not had any issue with any fraud recently so i dont have any idea why they will not allow us to have an account. The BOA company did not close my credit card account? My wife went to the local branch to see if she could get any more info and they were not able to offer any, they stated the account would be officially closed XX/XX/XXXX and we would be receiving a check for the balance of the account in 7-10 days, after receiving the letter i inquired about withdrawing all of our funds while they closed the account however they officially do that and they said i can not withdraw any of that money and have to wait for the check. We NEVER had access to the {$9000.00} that was deposited on XX/XX/XXXX. ( As I write this it is XX/XX/XXXX ), we still have not received the check, my wife had set up the electric, cable, etc to come out of this account and had to scramble to get these back to our XXXX account so we did not have late fees or bills not paid. To date both of us steadily receive email offers to open accounts with them, which is baffling. What if this money was rent or mortgage payment?

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
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX, someone accessed my daughters Chase Bank accounts ( custodial accounts, I am also on her accounts ) and deposited 2 fake checks. One to her checking account and one to her savings account. Not sure how they did it, no one is given user names or passwords, they then transferred the amount of the check in the savings account to her checking account and then XXXX paid themselves {$500.00} on XX/XX/XXXX and {$500.00} on XX/XX/XXXX. The names on the XXXX pays are XXXX and XXXX. Chase told me on our first call that there was a third attempt in the name of XXXX but they did not pay it as it looked suspicious. The fake checks were returned on XX/XX/XXXX and the account was charged a return fee. The fraudulent checks and XXXX pays were discovered by my daughter on XXXX. Chase reversed the XXXX pays for the duration of the investigation on XXXX. On XX/XX/XXXX Chase reversed the XXXX pays again stating there was no fraud detected, leaving my daughters account missing {$1000.00}. I was informed by Chase that I would need to request an appeal in writing, which I did on XX/XX/XXXX. They continually told me they didn't receive the appeal request. On XX/XX/XXXX I wrote them again sending proof that I mailed the letter via Express mail and had their signature for receiving the piece on XX/XX/XXXX. They again denied our claim stating no fraud detected. Their letter stated that I could request the information they used in their investigation, which I did by phone on XX/XX/XXXX. The letters finally came on XX/XX/XXXX letting me know the information they used for the investigation was an account review. They did nothing to find out who did this and they are letting them get away with our {$1000.00}. We would like to have our stolen {$1000.00} returned. I'm questioning why they aren't charging us with check fraud if they think we were compliant in cashing fake checks. Except they know we weren't compliant, they just won't return our money. I'm hoping you can help, I've been seeing stories like this one all over social media. Someone needs to help us with the large conglomerate banks taking our money or letting it be stolen from our accounts. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The months of XXXX, XXXX and XXXX I have made them at the end of each month and they are within the time limit established so as not to be reported to the credit companies as late payments. For example, I paid the month of XXXX, XXXX and XXXX on XX/XX/XXXX, XXXX I paid it on the XXXX and XXXX I paid it on the XXXX. I understand my payment date is the XXXX of each month and I am late but I do not exceed the month and the Company charges me {$35.00} for not paying on the XXXX of each month.

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 2023-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Hello, I have filed 3 disputes and a corporate complaint as my phone was hacked and there were fraudulent XXXX transactions equating to almost {$2500.00} on XX/XX/XXXX. I have been given the run around with PNC on different departments and this is still not resolved. I will get my attorney involved as I am looking to get to a resolution and get reimbursed for direct funds from my personal bank account due to the fraud transactions. It has been 3 weeks and this is not resolved and I have been passed to different departments and there is not a resolution. This is completely unacceptable as I had my other business bank accounts hacked and I received the reimbursements back from them. This matter needs attention asap as this was not handled correctly and I am personally out of funds that I did not authorize or make the transactions as my phone and computer were hacked. The dispute department stated that it happened in my location well yes, likely it did as it happened with XXXX and XXXX XXXX as well as my XXXX credit card and XXXX  credit card and all of the other institutions have refunded me the money back from the fraud charges except for PNC Bank. I spent countless times on hold and Friday, XX/XX/XXXX I spent 4 hours on the phone with PNC and no resolution as they keep denying my dispute and will not refund me my money back from the fraud XXXX charges. I never used XXXX in my entire life and I was hacked. PNC keeps denying this and will not refund me my money even though this has been fraudulent transactions that were not from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity bank sent me a new j crew credit card. When I made the first payment in the new card ( XXXX ), they applied it to the old card ( XXXX ). I called in and they acknowledged my complaint on/before XX/XX/2022 in writing. Since then, they have continued to report me as delinquent at the bureaus and charge interest and high fees ( {$110.00} in fees and {$20.00} in interest ) when I have made timely payments on all purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: NY

Complaint narrative:
I was notified to return cable companies equipment. I was told once I return the equipment that my account would be up to date and satisfied. After returning the equipment I was then sent bills that I know was not mines. I received numerous phones calls and letters and visits from the cable company that was at unreasonable times and felt very intimidated by. I repeatedly discussed with representatives about pulling up recent voice recordings because I was told that there would be a voice recording with the day i was told returning the equipment would satisfy the account, If i was lied to, then that is a violation of my consumer rights, which they have done. I am requesting compensation for the harassing phone calls, the debt collection letters and the negative addition added on to my credit report by XXXX, XXXX, and XXXX XXXX. I request compensation and or immediate removal of this negative account on my reports asap.

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 2023-02-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony ( Care Credit ) Every month for 6 months. I've paid they charge Me every month a interest fee then a card fee. 
{$2.00} intrest card fee {$14.00}. 
XX/XX/XXXX. 6 months later I get charged with a intrest charge fee of XXXX and card fee of XXXX. Literally everything I have paid. Now we're in XXXX and my intrest fee is XXXX and card fee is XXXX. When I called them they said because they weren't charging all in the intrest fee and because I didn't pay it off in 6 months. I never saw anything stating that we owe extra for 6 months.

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 2023-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Some of the problem categories don't really identify with my situation. 

There are multiple collection agencies attempting to collect on the same debt. I have communicated to them requesting validation of debt and the account numbers, amounts are identical but the validation however the dates are the almost identical. 

I do not know who to reply to regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, an ACH Electronic Debit of XXXX from our Citibank checking account was sent to XXXX XXXX  for a new account opening. The XXXX was received successfully to fund my new checking account at XXXX. Due to the inactivity of the XXXX Checking Account, the XXXX was returned to Citibank on XX/XX/XXXX. Because of inactivity, XXXX Closed the Checking Account on XXXX XXXX XXXX 

We called the XXXX customer representatives hotline to inquire about XXXX as it was never credited back to our Citibank checking where the transaction was initiated. After passing around for 2 months of calls over the phone, we decided to get help from a local XXXX branch assistance. After many months with the help of the local XXXX Branch Manager chasing down the external/internal ACH Trace # of the transaction returning the XXXX back to Citibank, Citibank was not able to track down the XXXX. 

We got a notice from Citibank around XX/XX/XXXX they were shutting down all our accounts ( no reason given ) on XXXX XXXX XXXX We already sent a complaint email to our Citibank account representatives on Wednesday, XX/XX/XXXX, stating our XXXX was still not credited back to our active checking account at that point. 

Our Citibank Accounts were shut down on XX/XX/XXXX. We continue to work with XXXX 's local branch manager and Citibank 's local branch manager to help in tracking down our missing XXXX. 

Finally, with escalations on XXXX, on XX/XX/XXXX, the money was traced to be residing with XXXX ( Capacity as the Third Party Service Provider of ODFI ACH Operator for XXXX ). A letter was issued by XXXX to have Citibank ACH Department recall this transaction of XXXX and credit it back to Citibank 's Account. 

However, with our Citibank checking closed on XX/XX/XXXX, Citibank stated they can't get the money from XXXX and issue a XXXX check. We can't go to XXXX directly to get our money as we are not a customer of XXXX. Our Checking account at XXXX is also closed.

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
Consumer complaint received 2023-02-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experians process of blocking and deleting information on my consumer report that is a result of identity theft is in direct violation of the law. It states in 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to open a new account at XXXX  XXXX XXXX, but was unable to do so because my Experian credit report was frozen. I contacted Experian, and received a letter saying that my credit report was unfrozen. I just checked today, and their website also says my credit report was unfrozen. But when I went back to the bank today, they couldn't open my account, because their computer says my Experian credit report is frozen. 

I don't know whether the problem is with Experian or with XXXX  XXXX XXXX, but I am at my wit 's end. 

Please help me resolve this problem

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