vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 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: NY

Complaint narrative:
XXXX XXXX XXXX, I see there are late payments reported by XXXX XXXX XXXX during Covid 19 pandemic.. according to the CARE ACT and The Hero Act Section 110401 creditors and credit reporting agencies are not authorized to report adverse information to consumers credit files during the covid 19 pandemic.. we are still in a pandemic and the days reported late was during the pandemic and therefore is unlawful I order that XXXX XXXXXXXX XXXX Remove all adverse information reported during covid 19 pandemic. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 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:
XXXX XXXX XXXX, I see there are late payments reported by XXXX XXXX XXXX during Covid 19 pandemic.. according to the CARE ACT and The Hero Act Section 110401 creditors and credit reporting agencies are not authorized to report adverse information to consumers credit files during the covid 19 pandemic.. we are still in a pandemic and the days reported late was during the pandemic and therefore is unlawful I order that XXXX XXXXXXXX XXXX Remove all adverse information reported during covid 19 pandemic. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I received email from bank of America to inform me that an online account has been opened in my name and to bring identification into the office to finish opening 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 explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Inquiries : Dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies to pull my credit report

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 2023-04-05 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have reach Chase multiple times and no one seem to care or willing to help. In XXXX a charge was made to my credit card for {$3400.00}. I called XXXX and they were able to cancel the hotel room but not the airfare. Which meant that I was only going to be charge XXXX. Chase still charging me {$3400.00} that I consider fraud in Chase part. I have been getting late fees and interest charge of {$73.00}. They are charging me {$3400.00} plus interest charge of {$73.00} thats fraud. No one in Chase cooperate office care. I have send emails that XXXX send me and no one cares. Chase needs to fix this issues and rectify the interest charges as well as late fees since every time I speak with someone they say this is under investigation. Chase is just stealing money at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
capital one credit card is reporting on my credit report at XXXX i have and account with them from XXXX as an authorized user. i do not have and account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My credit card payment to Synchrony Bank Care Credit Call ( XXXX ) XXXX Synchrony, XXXX XXXX XXXX, XXXX, FL XXXX is due on the first of the month every month. I make my payment one day early before the due date. I am being charged a late fee in the amount of {$41.00}. This is fraud. I called the customer service number and they were not able to provide me with an acceptable answer.

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 2023-04-05 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
on XXXX sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me.

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 2023-04-05 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: CA

Complaint narrative:
I recently reviewed my credit file for accuracy and asked all three credit bureaus to validate accuracy. After further review, some items were removed off some bureaus but others remain. according the FCRA, all information must be the same on each credit report. If one bureaus finds inaccurate information or delete information it must be shared between all three bureaus. i have provided a copy of the investigation results as well to the bureaus. 

XXXX : XXXX, DELETED by XXXX, remains on XXXX and Equifax XXXX : XXXX, DELETED by Equifax, remains on XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: CA

Complaint narrative:
you that this matter is causing me financial hardship. For any such reason an appropriate legal and lawful response cant be provided will result to further action being taken. Failure to a response within 10 calendar days will constitute as your acceptance that this is not a valid debt. Please verify, validate that LEGALLY I am responsible for paying this alleged debt. A sample answer of " been verified '' doesnt constitute an appropriate lawful or legal response. PLEASE REMOVE THE FOLLOWING IMMEDIATELYXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Whereas every obligation is to be discharged upon payment, dollar for dollar ( in any coin or currency which at the time of payment is legal tender for public and private debts ). And where every provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed ; please take the necessary steps to discharge any debt incurred from consumer credit transactions on this card under HJR 192. 

Additionally, in accordance with 15 U.S. Code 1666 ( A ), please take the necessary steps to credit any balance created in connection with consumer credit transactions on this credit card. 

JPMCB XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My husband and I opened new joint checking and savings accounts with Capital One between XX/XX/XXXX and XXXX XXXX. Over the next month, we began transferring our funds from our other banks ( XXXX, XXXX, XXXX ) to Capital One ; the sum of those transfers was appx. {$15000.00}. 

After our wedding in early XXXX, we virtually deposited multiple checks we received as wedding gifts totaling ~ $ XXXX without issue. Over the next few days, we received email confirmation that the checks had been successfully processed. 

On XX/XX/2023, we received an email stating " We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity ... Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you don't have an externally linked checking account or if the account linked is no longer open, a check will be mailed within 7-10 business days to the address on file. '' We spoke with a customer service representative that day ( XX/XX/XXXX ) who told us our account had already been closed but we were not told why. Over the next month we called multiple times and left at least 2 voicemails at the number sent via email email but did not receive callbacks. We received a letter from Capital One around XX/XX/XXXX stating that one of the checks we attempted to deposit was flagged as " altered or fictitious '' so we assumed this was why our account was closed. ( We did not alter the check and have the original check still, which appears to us as normal. We also contacted the person who gave us the check who said it was flagged by their bank as well and they were unsure why. ) However, we have still not received further communication or our money back from Capital One. 

Today ( XX/XX/XXXX ), we messaged Capital One customer service at XXXX and got ahold of a representative who gave us a direct service line. The person we spoke to told us that our account had been closed but did not state a reason but that we would not get access to our money until our account had been investigated. She told us that an investigator had not yet been assigned to our case. She was not able to give us any information about when we would be able to access our funds or information about when an investigator would be assigned or when the investigation would be complete. It has now been more than 3 weeks since our account was closed and we have no idea when or if we will be able to access our money and no specific contact point within Capital One to track this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 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:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION INFORMATION EVEN AFTER BEING NOTIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute an item on my credit report. According to the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), I have the right to dispute any inaccurate or incomplete information on my credit report. There are accounts on my report that I have already paid off and have been trying to remove. The XXXX  XXXX  is. XXXX XXXX XXXX, the XXXX  XXXX  is XXXX XXXX, the XXXX  is XXXX XXXX XXXX XXXX. Please remove these items immediately from my credit report. Thank you

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 2023-04-05 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: PA

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2023-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly. An application was sent to Mohela on XX/XX/XXXX certifying all my employment. Mohela is not even processing my PSLF application. They closed it as a duplicate however the only other application on file is listed as cancelled. There isnt a duplicate or at least an approved XXXX so this pushes the processing time even further due to their mistake.

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 2023-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mutual Management Services LLC
State: GA

Complaint narrative:
The creditor attempted to collect a debt. I am requesting that under 609 FCRA the collection company or creditor present an original contract with my signature on it evidencing that it has a right to collect. The original contract is crucial to the creditor 's right to collect on the alleged debt. I do not owe the creditor nor do I owe the collection company the debt they are trying to collect. This is an XXXX company who under Florida law must have a signed lease evidencing whether the landlord has a right to collect up to the early termination fees or not. The creditor nor collection company has provided this information to the credit bureau nor to me. I am demanding that the collection company and the creditor cease collection on this account immediately and that it be removed from my credit. It has damaged my credit and my ability to obtain housing. Collection company is Mutual Management and the Creditor is XXXX  ( XXXX XXXX XXXX  XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
RE Ally Auto Account # XXXX XXXX Since XX/XX/XXXX, my lease with Ally Financial was paid off. In XX/XX/XXXX, I paid the balance of the inception fee of {$160.00}. Although Ally representatives have indicated that the account shows paid in full with no balance, my credit report reflects " Account Paid In Full for Less Than Full Balance ''. Several representatives, XXXX in particular, XXXX XXXX has stated that she escalated this issue to her Supervisor to ensure that the credit report department updates the credit reports. To date, I have spoken to over 6 additional individuals who continue to advise me that my account is paid in full and they will submit a request to the credit department. I continue to receive the same information each time I call but I continue to suffer damages for the incorrect reporting, which has also lowered my credit score. I spoke with a representative on XX/XX/XXXX, and he called me every other day to report the same thing, " I am still waiting to hear from the credit department. They haven't responded. '' This was the same report that he provided to me Today, XX/XX/XXXX. As a result of his response I called again Today, XX/XX/XXXX and spoke with someone again who for the first time provided me with a Case # XXXX and informed me that it will take 45 days. I advised her that I was not willing to wait 45 days because I have been advised of the 45 day wait back in XXXX and I am still suffering the damages as a result of the incorrect reporting and managements inability to resolve this issue with their credit department.

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 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
checksysytems is reporting negative information that should not be reported any longer which is prohibiting me from obtaining the products and services I am applying for. i applied for an account with dcu and was denied the account due to information that was reported by checksystems and when i spoke to checksystems they are telling me that there is nothing stopping me from obtaining the account so at this point I got my consumer report from checksystems and cant see any reason why i would be denied but they are also not trying to assist in correcting the problem but the inconsistencies on my report are old and should be removed so my score and report can reflect properly.

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 2023-04-05 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: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00}.

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 2023-04-05 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I'VE CONTACTED THE BUREAUS MULTIPLE TIMES REGARDING THIS ACCOUNT. PROVIDING DOCUMENTATION OF WHO I AM AND WHERE I'VE LIVED INFORMING THEM THAT THIS ACCOUNT HAS NEVER BELONGED TO ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Under the Sweet v Cardinal suit the Dept of Ed informed Nelnet to discharge my XXXX loan in full and refund me all that I paid on it. I was part of the lawsuit. My school on the list of predatory lenders. 
Before this victory XXXX XXXX was pressured to respond to Borrower Defense applications and randomly denied applicants. I was XXXX. She wanted to give me interest {$3900.00} incurred while waiting. I appealed like many and was put into the class action. 
In XXXX I refinanced, consolidated to one loan, leaving Nelnet going to XXXX. 
The government bought FFELP loans during the big recession. 
Nelnet is trying to give me {$33000.00} Doubling the amount I owe from {$61000.00} to {$110000.00}, saying I borrowed {$37000.00} and {$23000.00} in XXXX. I graduated in XXXX. Thats fraudulent or theyre lying and trying to scam me further. 
And still owe them {$57000.00} I not only owe them nothing according to the court and Dept of Ed. They owe me for the years I paid on my loan. 
I asked XXXX and my loan qualifies for his {$20000.00} in forgiveness had I not been granted forgiveness through the court, therefore I know this is in fact a government owned loan and Nelnet is trying to defraud me.

Company response to consumer: Closed with explanation