vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has 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 719XXXX has me at a score around 59XXXX. 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 my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I called and sent out letters letting both companies XXXX XXXX XXXX and XXXX XXXX letting them know this account was fraud and not my account.

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 2022-09-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I called and sent out letters letting both companies XXXX XXXX bank and XXXX XXXX letting them know this account was fraud and not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Despite spending the better part of two days trying to communicate with Experian, I still can not communicate with a real individual. As a result, I am locked out of my credit report, my credit is frozen and I can not proceed with the purchase of a new car. On several occasions, the automated system said it couldnt transfer me to a live agent. The issue is incredibly simple in my case I have a new phone number, so the extra security protocols do not let me access my account and it would take only minutes to resolve the issue. Given the importance of credit reporting agencies and their gatekeeping function, it is astounding that they have so walled-off access to real agents. 

For reference, I am a XXXXXXXX XXXX who generally understands how to find right person to contact in these situations.

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 2022-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Student loan has been forgiven years ago then It keeps being reopened several times. I had a deferment and forgiveness because of XXXX but keeps popping up. Also believe I am a victim of identity theft. Several items on report that come from other States and especially Texas where some relatives I have live. Been going on for years. ( Different discrepancies to my credit report )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX Account # 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

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 2022-09-06 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX  Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2022 @ XXXX my mobile phone access to all apps, calls, emails, etc was disabled and it took 90 minutes with XXXX to get everything re-activated. At this point, I was advised that my online TD Bank password was changed, so I immediately called the Fraud Department at TD who froze my accounts. In this window of inaccessibility, it turns out I was the victim of identity theft and that the person who accessed my account had tried to remove funds from my checking account through XXXX ( three separate transactions - {$2500.00}, {$1000.00}, {$1000.00} to an unknown person ) and pay transfers at a Jewelry store in the XXXX, NY XXXX XXXX XXXX XXXX XXXX - {$500.00}, {$500.00}, {$2000.00} ). TD theft protection software blocked 5 of the 6 attempts, however the {$2000.00} pay transfer was pulled from my account. 

The next morning, I went into my local TD Bank and canceled all my accounts and re-opened new ones. The TD representatives advised that they would submit the claim for the {$2000.00} reimbursement with TD corporate and I should see my account credited within 7-10 days. TD corporate transferred my request to XXXX who operates the debit cards for TD and rejected my claim as they assume I physically used my debit card to complete this transaction, which of course was not the case. I have since returned and worked with the local TD representative in the bank to re-submit my claim two other times and was rejected each time. The local representative has provided a detailed explanation each time, however, I am still unable to get my account credited with the funds that were stolen. 

My identify protection agency, XXXX, advised that I submit this to you for your help. 

Thank you and best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I was call from Navient about my wifes student loans. I have nothing to do with her loans. Im not on their information at all and they called me asking about my wife. I feel violated that they called me instead of trying to reach my wife. Its so disrespectful and violated. I was angry about the whole thing because a line was crossed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has 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 719transunion has me at a score around 590. 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 PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-06 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has 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 719XXXX has me at a score around 590. 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 my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
On XX/XX/XXXX PNC Bank closed my checking account and my credit card account without my authorization or notification. Along with taking over XXXX in funds rendering them inaccessible causing extreme inconvenience and still have not received my money. I had a altercation with an employee over customer service and filed a complaint with the bank itself. I closed my money market account over this dispute. However I left the checking account open and have direct deposit. This will cause several payroll checks to be returned to employer due to not being able to deposit resulting in severe delays in getting my payroll checks. I was assured by the bank that my account would not be closed when I filed my complaint because the employee ( XXXX XXXX ) I had a disagreement with threatened to close my account during altercation. I was later contacted by Executive Client Relations specialist XXXX XXXX regarding my complaint who told me they would be looking into the matter. Then on XXXX first my account was closed and my money was seized. This is theft of my federally insured funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I have filed disputes beginning first week of XXXX with all three major credit bureaus as well as contacted the lender XXXX XXXX XXXX to no avail. All disputes were closed and the lender verified the incorrect data again after paying them over XXXX dollars in one month to double up and pay my loan off early. I have reopened disputes again as well as shown documentation to the Credit agencies as well as opened complaints with this agency now on file as well. The loan company 's response is to put me on hold or hang up on me once denying my claim and asking for a supervisor. Never ever again will I do business with XXXX XXXX XXXX and this is a very hard loan that is designed for failure from the start your paying three times the amount of the vehicle after a 6 year term. I just got out from being triple upside down on the loan and they refuse to acknowledge my greatness at beating them at there game.

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 2022-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union ( NFCU ) allowed one of their customers to fraudulent deposit 3 checks that were returned to me as overpayment. The checks went to an old address and I had no knowledge of it. Once I was given copies of the checks by the State of Georgia I reached out to the NFCU to make a fraud complaint. They found out who deposited the check, they wouldn't tell me who, but refused to give me my money back. They told me to go back to the check issuer and even to go back to the bank that issued the check. Why not go to your criminal customer and get my money back? They told me they have flagged the account and nothing else. 

I posted a review on XXXX and they, of course, troll those sites. They told me to reach out on social media and again nothing. They stated that I should contact the issuer of the check. It's a shame that the media can get done what a simple everyday customer can't. Businesses should not worry about their reputation only when it's negative in the media. If they worried about the complaint when it came in then it usually wouldn't get to the media. 

I have filed a police report but of course this is a low priority on their totem pole. NFCU should just do the right thing and return fraudulent gained money. 
I don't have an account with them but my wife does. This transaction has nothing to do with her account. The criminal just happened to bank at the same institution she does.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was charged XXXX  for car rental in XXXX. As a XXXX I am exempt from XXXX The credit card company refuses to refund the taxes they charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was at an atm in XXXX XXXX using my debit card. Several people were around, one said I did not close my account after a cash withdrawal. He pointed to the atm screen which appeared at first glance to remain open. He said I should reinsert my card to close it. I reinserted my card and the atm would not return it to me. I suspect the surrounding people jammed the atm somehow. I made many many attempts to obtain my card from the atm to no avail. I returned home and immediately called my bank, explained the situation and asked them to block my card. I check my card activity online after the call requesting the block. No unusual transactions occurred at that time. This occurred at approximately XXXX on XX/XX/XXXX. 
I checked my card activity later and noted several unauthorized transactions totaling approximately {$3700.00}. Early on XX/XX/XXXX I went to the local police office and filed a fraud/theft report. I notified my bank of the of the fraudulent transactions. 
My bank subsequently denied my claim. They never contacted the bank where the fraud occurred seeking video which was available, they never asked for the police report, they never contacted me in any way until I called requesting the status of my claim. I was told it was denied, no reason was given. I later, on XX/XX/XXXX received a letter at my U.S. address saying the claim was being benied and suggesting I was complicit in the fraud. I should also note that approximately 4 years prior I lowered the daily withdrawal limit on my card to {$1000.00}. Wells Fargo unilaterally raised that limit without asking or notifying me. 
I have contacted my bank, Wells Fargo repeatedly protesting their denial. I am still awaiting a response.

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 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
For the last 3 months, basically as long as XXXX has been the processor, my payments have been posted up to 2 weeks after the date sent, resulting in late fees and interest charges. In this last case the payment was admitted to have been received XX/XX/XXXX and yet not posted until XX/XX/XXXX. Each time I needed to contact the processor and explain to have the charges deleted. They admit the payments have been received before the processed date but still assess the fees and interest. I can't believe my bill processor 's transmittals can take that long to be received! I've had this card for 35 years, under other processors, with next to no problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Bank holds both my XXXX and XXXX cards. I have made 6 calls starting on XX/XX/25 to get them to send me a letter showing a XXXX balance on my account for my Mortgage Lender. 
They said it would be posted immediately on my Secure Message Center on my account page. It does not show up on either account nor have I received a mail copy. 

They also have not updated my credit report to show a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XX/XX/XXXX I purchased a treadmill through XXXX. However after 3 failed delivery attempts I decided to cancel the order in XX/XX/XXXX. I never received the treadmill/had it in my possession. XXXX failed to notify TD BANK that this occurred, as a result I have a balance due and have been reported to the credit bureau. This is affecting my credit score negatively, hindering me from purchasing a car that I so desperately need at the moment ( I recently totaled my car with my newborn ). I filed a dispute the first week of XX/XX/XXXX with all 3 credit bureaus. TD Bank recently submitted their conclusion after their investigation, they are still reporting that I have a balance due. TD Bank failed to notify me of this balance, nor have they corresponded with me during this dispute. They claim they've emailed me, yet each time I call they said I opted out of email, or maybe its an I.T problem. Ive been in contact with XXXX. They claim they have processed a credit back to TD Bank since XX/XX/XXXX and TD Bank should have it. TD Bank says they don't see anything from XXXX. I have spoken to both companies everyday for the last few weeks and it seems they are not communicating in order to rectify the problem. TD Bank also falsely claimed that I reported this as fraud. I immediately emailed their fraud dept, resolutions team and have gotten no reply.

Company response to consumer: Closed with non-monetary relief