vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
I had taken out approximately $ XXXX in federal student loans. I have easily paid back this amount to Navient loan services over the time paid on the loans. Navient claims I still owe $ XXXX. I believe i have over paid by approximately $ XXXX. The only options Navient provides is to continue paying on the loan. Navient will also not acknowledge that these were federal loans. No pause was observed on the pandemic relief. And despite a confirmation email from the federal gov that my loans would be forgiven, Navient countered the email stating they will jot acknowledge the forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WI

Complaint narrative:
Someone when to a atm machine and withdraw money out of my account why I was at work XXXX  times every XXXX minutes for a total of XXXX dollars and I been trying to get it back from chime but they keep denied it saying no error I even send them the police report and still denied it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: FL

Complaint narrative:
I have XXXX XXXX dollars in Wise ( previously Transferwise ) they ask on XX/XX/XXXX for proof of address, I sent them over several documents including bank statements and my ID, at first they said it will be XXXX days now I have been calling them for more than month asking for an answer about my case and always the same, that they are reviewing it and still nothing, I moved to a new a place and had to get a loan to pay for all my moving expenses and new stuff for the house having XXXXXXXX XXXX in a bank account, and now I am struggling for pay my bills having money, this I think is out of control, is not fair to me or my family, hope to get an answer from you and that this complaint help to speed up things, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America Cash Back Credit Card promotion for double cash back from XXXX XXXX - XXXX XXXX on certain merchant accounts ( XXXXXXXX XXXX  XXXX XXXX ) that were already having 10 % back promotion. Therefore, it is expected by customers to get 20 % back on card. However, with this XXXX merchant account, they didn't honor that when I used the mobile phone application to pay for the order. So, they said that was not eligible for the double cash back promotion. I called and they showed where that was written in the promotion restrictions at very bottom of disclaimer statement. So, I don't deny it is there, but print is made purposely smaller than rest of print higher up on disclaimer which means they make it harder for people to read it. They want to motivate people to come into merchant location physically and make an in-person purchase using the card. I definitely know now, but it wasn't as obvious and clearly defined as it needed to be and I feel I was deceived into thinking it was ubiquitous to all merchant purchases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
there's unauthorized and fraudulent charges on my credit report, these charges are XXXX XXXX XXXX account number XXXX amount {$720.00}, date open XXXX is a charge off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian credit reporting company lowered my credit score XXXX points because I used my credit. Note that I was still above XXXX but I do not think their algorithm is accurate for lowering my score. I have a few credit cards and I never have paid any interest as the CC companies automatically take the full balance due every month. I think that Experian should know this as I have done this my whole life! My CC limit was $ XXXX and I charged $ XXXX for my wifes funeral home expenses ( I just used the card to get 1.5 % cash back ). It could have been a trip or anything, but if you use more than like 30 % of your CC limit they will lower your score! I just don't think it is right that for 1 month of being higher credit usage your score should be lowered immediately when you pay in full every month. I am not planning on taking out loans, but I know your credit score is used by insurance companies for pricing policies. There should be more accountability put on the Credit Reporting agencies in cases like this to use a persons CC usage history for raising or lowering your score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: CA

Complaint narrative:
I have received numerous calls from aggressive people calling about a debt since I don't believe I owe this debt I asked for documentation and all information to be sent in writing. After I firmly told them this they stopped calling but it is on my credit report. 

As I left the apartment due to an infestation that the apartment agreed to waive the termination fee and to let me out of my lease for which I have documentation of I do not believe I owe this debt. 

This company refuses to supply the necessary written proof of any owed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: VA

Complaint narrative:
My CashApp account has had its identity verification check showing as pending since XX/XX/XXXX when I deposited {$25.00} in cash and converted it to XXXX. Ive made multiple chat requests to Cash App support on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX to escalate the issue but my identity check is still pending preventing me from sending the crypto I purchased in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

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 inructions 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 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: VT

Complaint narrative:
Hello, I recently took a big hit to my credit score for an unknown balance that I had with Discover after canceling my card with them. I'm hoping that I can have the damage reversed. 

What happened is I canceled my card in XX/XX/2023 after deciding it wasn't useful anymore. I paid off any remaining balance and cancelled over the phone. 

Just now, I saw that my credit score has gone down by XXXX points owing to delinquency on a Discover account. I logged in to find that they claim I owe {$8.00} based on some adjustments that happened following account closure. 

I immediately paid the {$8.00} and called them to ask that the delinquency is removed from their reporting as it had a big impact on my credit score. They said that I would have to contact your office to make the request. 

Again, I immediately reconciled the amount once I saw it reflected on my score. I had no notification from them about there being an outstanding balance, and had tried in good faith to pay the card off in full at time of closure ( it was only ~ {$4.00} and change to close it at that time ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
I received a letter from Aldous & Associates in the mail XX/XX/2023 about a debt being owed to a XXXXXXXX XXXX theyre trying to receive a payment of {$570.00} Ive proceeded to call the collection agency to see what this was about because Id never heard, contacted, or signed anything pertaining to this company when I spoke to the representative she stated if this was deemed to be fraud then to contact the police department or file a identity theft report. I choice to report it to identify theft which i have a reference number to that since then Ive looked through all my accounts and noticed on my XXXX XXXX account a attempted charge of XXXX on XX/XX/2023 at XXXX I immediately deactivated my account. I then call back the collection company Aldous Associate to file a dispute with them which I was told I could not do a dispute over the phone but to write a letter to them, before I could send my letter off it was placed in collections even after me speaking to XXXX of there associate about any deadline dates I needed to have the letter in by, I was told there was no time frame. I tried to follow up my dispute through XXXX XXXX but they are stating everything to be accurate which is false and they should be very aware of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my credit report and : - I have a XXXXXXXX XXXX  account on my credit report ( XXXX ) that I paid off that is showing with a late payment and I HAVE NEVER BEEN LATE. I reviewed my credit reports and there is another XXXX XXXX Acct with the same credit limit, same dates opened, and same account info that shows NO late payment. I paid that account off and I paid it on time EVERY TIME. I have attached the screenshots that show you the XXXX XXXX accounts that are the same and XXXX showing no late payments, WHICH IS CORRECT. 

- I have an account on my credit from XXXX XXXX XXXX, which is a collection agency from XXXX at XXXX XXXX. XXXX at XXXXXXXX XXXX agreed to have the account removed from my credit report if I pay the balance. I PAID THE BALANCE yet it is still there. I sent them a letter in regards to the matter ( which I attached ) and they responded that they sent a request to the credit bureaus to get the account removed yet it is still there. After speaking to an employee they advised for me to contact the bureaus. I have sent out many letters and the account is still there. 

- I have an account from XXXX XXXX, which is a collection agency from XXXX XXXX. Same as the issue above. An agreement was made! There is no reason that these items are still on my 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 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my credit report and : - I have a XXXXXXXX XXXX  account on my credit report ( XXXX ) that I paid off that is showing with a late payment and I HAVE NEVER BEEN LATE. I reviewed my credit reports and there is another XXXX XXXX Acct with the same credit limit, same dates opened, and same account info that shows NO late payment. I paid that account off and I paid it on time EVERY TIME. I have attached the screenshots that show you the XXXX XXXX accounts that are the same and XXXX showing no late payments, WHICH IS CORRECT. 

- I have an account on my credit from XXXX XXXX XXXX, which is a collection agency from XXXX at XXXX XXXX. XXXX at XXXXXXXX XXXX agreed to have the account removed from my credit report if I pay the balance. I PAID THE BALANCE yet it is still there. I sent them a letter in regards to the matter ( which I attached ) and they responded that they sent a request to the credit bureaus to get the account removed yet it is still there. After speaking to an employee they advised for me to contact the bureaus. I have sent out many letters and the account is still there. 

- I have an account from XXXX XXXX  which is a collection agency from XXXX XXXX. Same as the issue above. An agreement was made! There is no reason that these items are still on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ATG Credit, LLC
State: GA

Complaint narrative:
Never done business with this third party collection agency. I dont know how they received my personal information without me be notified. This is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
My Citibank checking account was closed shortly after I deposited a check, around the date of XX/XX/XXXX. 

I called the company on XX/XX/XXXX and was told I deposited a " stolen check ''. 

The check I deposited was not stolen. It was a gift from my parents. I'm a single mother and am going through a difficult time financially, so they sent me some money for my birthday. 

Citibank immediately restricted access to my account and sent me an email stating that my account was closing and that my debit card was canceled. 

I called Citibank and spoke to XXXX different people. XXXX of them called the sender of the check and verified that it was not fraudulent. He stated he could not reopen my account, though. 

So, I started out being a struggling single parent and now I'm literally a broke single parent. 

This is unacceptable. I did not commit any crime or violate Citibank 's agreement in any way. 

I need my account opened so I can get to my money. 

Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Reached out to creditor XX/XX/23, XX/XX/23 and XX/XX/23 and only received back via mail a paragraph with XXXX scribbled signature, nothing else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was selling a furniture ( desk ) on XXXX XXXX. This guy named XXXX XXXX messaged me saying he's interested in my desk. He said he'll send the payment so he asked me for my email address and my name. I sent him. 

He came back to me saying he had to pay additional {$200.00} to upgrade my account to XXXX business account. I also got an email that says " XXXX, '' so that he can send me money through XXXX. He was in rush, so I sent him {$200.00} and showed him the transaction. 

But then, I received another email saying that I need another {$300.00} to complete the payment to upgrade my account. I thought that was suspicious, and that was when I realized it was a XXXX  account not XXXX 's official account. 

To me, this is a very new case that I've never heard of. I should've checked closely but because I had so much things to do in mind, I overlooked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I was a customer of XXXX between XXXX and rented a modem. I used the box and a shipping label XXXX provided to send the modem back after we canceled our service. They claimed they did not receive it and said I owed them {$100.00} for the modem. Since I sent it back to them using their shipping label I do not feel like I should owe them the funds. I still have the remainder of the shipping label sheet and have attached it to this complaint. They sent the debt to collections and I have been getting calls and letters from collectors since XXXX. Originally the false debt was sent to XXXX, now it is with XXXX ( XXXX ). I informed XXXX of the false claims by XXXX and have now informed XXXX. XXXX has also now added a collection to my credit report. I have filed disputes with each credit bureau. The equipment was sent back to XXXX using their own shipping label and I should not be negatively impacted due to their inability to track their own equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: UT

Complaint narrative:
I signed up for a US bank account in XX/XX/ under the XXXX  bonus. I followed the 90 day requirement {$10000.00} direct deposits. Additionally, I called in XXXX to confirm that I had met all requirements. US bank should have a record of this call, as it was recorded. At that time, I was told that I met the requirements, but that they took up to 90 days to provide the bonus. It has now been more than 90 days. 

I called again today and was told that the bank was not going to hold to the bonus structure. While the initial fine print said that I could not have a current account or account closed within the last 12 months, it is now structured to be 24 months. I believe this changed after I initiated the account with the bonus, as I had ensured that my previous account had been closed 12 months prior. Again, when I called in XXXX, the woman confirmed that I met all criteria for the bonus. 

I would not have put my money into this low interest account if I had been told I would not qualify. This has lost me significantly as my other savings accounts have 4 % interest and this account has .01 %. The false advertising has cost me money over the last 6 months while US bank profited on holding my money.

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