vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Subjet : Problem with Company 's Reinvestigation XXXX. 
To whom it may concern, I told Transunion Credit Bureau to reinvestigate the disputed accounts Transunion said they have verified the accounts as accurate from XX/XX/2024. I have checked my credit report on XX/XX/2024. Everything is not complete and accurate on my credit report. I did not know how Transunion did to verify the disputed accounts as complete and accurate. I did not receive any documentation from Transunion as requested. I don't know what Transunion did or who they talked to during the reinvestigation process. I am required by law to receive all documents as requested. I noticed some things on my credit report are not complete and accurate. I asked Transunion to modify, update or delete disputed accounts. Nothing was modified when I checked my credit report. Since Transunion did not fix or delete these accounts, I called Transunion to send me a full and complete file disclosure of the reinvestigation process. How did they communicate with these debt collectors, what was in the results of the reinvestigation? The name of the company? 
I was told by a Representative of Transunion they will not and can not provide me with the results of the reinvestigation. I said according to the FCRA law, I can request a full copy of the reinvestigation after that conversation, I was hung up on. This is a blatant violation of my rights under the FCRA law. 15 USC 1681 states I have a right to privacy. 15 USC 1681 Section 604 A, Section 2, a consumer reporting agency can not furnish a account without my written instructions. I have sent in all the proper documentations Transunion has asked for to remove the disputed accounts. All the FTC reports, police reports and the State Attorney General reports and Transunion has lied to me. 
Sincerely, 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 2024-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I attempted to cash a check on XX/XX/year> at Chase bank. I have an account at Chase bank and the check was from a Chase account holder. The check was not NSF and no problems with the account holder. One of the tellers computers froze up during my transaction and they sent me to the next teller. The new teller told me I could not cash the check, but I could deposit it. I told them that was unacceptable and asked for the manager/ supervisor. No one could help according to the teller and depositing was my only option. I left with the check.which is possibly voided due to their attempts to cash. I will return to the branch tomorrow morning and attempt to resolve..they could not explain to me why this was Chases policy. Only that the computer would not let me proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Vystar Credit Union misleads s members about debt collection practices and freeze consumers out from their own accounts. 

They threatened actions and do not have authorization to take and cut off members electronic access to their accounts and bank cards if they did not pay overdue loans.

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 2024-04-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
With guidance from the Nelnet servicer, I applied for IDR plans without results. Aim was to lower the payment amount to one that suits my income and expenses. Multiple attempts throughout XXXX were made to this end. These efforts are all well documented on both Student Loan gov't site and Nelnet. For example on XX/XX/XXXX, I spoke with rep XXXX who agreed to lower my Nelnent payents to {$230.00} monthly, ref # received : XXXX, did not result in this confirmed payment. I continue to be billed for payments exceeding XXXX $ each month. Per Nelnet guidance, the SAVE application was completed in XXXX of XXXX to lower payments, but was denied for reasons not clarified by servicer. Inbound emails received from XXXX for additional assistance, prompted my replies, but were never acknowledged. 

In conclusion, I aim to pay XXXX $ on my private student loan and separate payment of XXXX $ toward my federal student loan on a monthly basis. However, I am not permitted to do so. It appears, my only payment options are limited to deferment, forebearance, or pay the full XXXX and XXXX respectively. Lastly, I am a XXXX XXXX XXXX XXXX  that has not received the feedack solicited for loan forgiveness and lowered monthly payments. You feedback and assistance would agreatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA

Complaint narrative:
Crown Asset Managment LLC processor XXXX XXXX XXXX XXXX is attempting to collect an incorrect amount of time barred debt. The orginal amout owed is {$1500.00}, They claim I owed {$1800.00}, now they claim the principal is {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of 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 2024-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Auto loan with Wells Fargo went into default after 2 months behind on payments due to a car accident and the bank refused to defer payments. The car was repossessed and a balance was charged to me that was more than what was even owed on it. Its now being reported on my credit report. About the lawsuit with Wells Fargo, I believe this should be included.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I was trying to apply for a XXXX  rewards credit card. I was asked to call this number through the XXXX website. They requested a copy of my driver license and social security card. I repliedI have excellent credit and have never been asked this before so I refused to provide that per on their website. They replied they will be sending me some forms in the mail. So per giving them my ss number to check my credit through XXXX XXXX they have checked my credit through XXXX XXXX they say they are Barclay credit company  this was done on XX/XX/XXXX. If I get paperwork in the mail i will then forward that to you. I believe this is a fraudulent company I never have been asked to provide those 2 forms of identification before and I have excellent credit. Please follow back up with me at XXXX instead of a email 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 2024-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
Credit card account was opened online from a pre approval letter in the mail. I had no knowledge of the account and all monies have been paid from family member bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I just looked at my consumer credit report from Experian XXXX XXXX, 2024. I saw hard inquiries on my credit report that do not have permissible purpose. I have attached evidence. 
List of inquiries : XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX  XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX  XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX  XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX  XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX  XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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 2024-04-14 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: GA

Complaint narrative:
I requested verification of info on my credit reports no response from data furnishers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I requested verification of info on my credit reports no response from data furnishers

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 2024-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
I applied for a personal loan to payoff a higher interest rate Credit Card. I was accepted and they were to mail the XXXX to the other institution. Sadly the check was cashed but my account was never credited for the XXXX. Discover sent it to the wrong place, and Ive been paying around {$300.00} dollars a month for almost two years now without getting my loan refunded. Discover has sent the institution many attempts to get the money verified on who and or what account this was applied with zero assistance/responsibility or response. So in closing I just feel very violated and {$20000.00} dollars is a large some of money I never received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AAA Collections
State: SD

Complaint narrative:
XXXX, XXXX XXXX. My name is XXXX XXXX from XXXX to XXXX I had medical insurance I live in XXXX South Dakota. My end social is 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 2024-04-14 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: CA

Complaint narrative:
I am a victim of identity theft and I have been writing to dispute certain information in my file resulting from the crime. The items I have disputed that are included in my identity theft report do not relate to any transactions that I have made or authorized.

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 2024-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My information was compromised at XXXX XXXX XXXX XXXX Ohio XXXX and XXXX XXXX XXXX XXXX Ohio XXXX. XXXX XXXX XXXX XXXX has been my only address for the past 10 years.

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 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: MN

Complaint narrative:
To Whom it May Concern, I am writing to request the careful review and reopening of my previous complaint ( XXXX ) regarding Discover Bank. Despite their response, I remain concerned that the core issues I raised were not adequately addressed. 

My primary concern pertains to the lack of a secure e-mail method for ID verification, a critical issue impacting both accessibility and security, particularly during the ongoing challenges posed by the XXXX pandemic. Moreover, I wish to bring to your attention the potential breach of XXXX XXXX, assuming that XXXX regulations should indeed apply to processes that determine the ease of conducting business online. 

In their response, Discover Bank predominantly focused on apologizing for long hold times and providing documentation regarding the account freeze. However, these actions divert attention away from the central issue of accessibility and security, thus failing to provide a meaningful resolution to my complaint. 

Therefore, I respectfully request that my case be reopened for thorough scrutiny, with specific attention to addressing the unresolved concerns regarding the lack of a secure e-mail method for ID verification. It is important to me that the assigned representative ensures that my original complaint is comprehensively addressed and that appropriate measures are taken, or have been taken, by the bank to rectify the identified issues. 

Your careful attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have already filed complaints and are logged on your data base. 

My account was closed in error by PayPal after being loyal customer for over 10 years. To reopen, they reapplied via credit pull per inquiry but never received an adverse credit notice without my consent. I have not received anything and thier XXXX based " service '' is a gatekeeper of no use. 

Therefore, as my LOC remains closed after 10 years of perfect payment history I am requesting as a consumer at this juncture to go forward with whatever is a remedy for this deliberate refusal to follow the truth in lending and my rights as a XXXX American on XXXX that they are held accountable with recourse in my favor.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Company is selling and reporting inaccurate information ( which has now been updated in everyones ( credit bureaus system ). Company still has not provided original contract for loan and hasnt sent any notices of changes or process of repossession. Im not aware of anything concerning vehicle.

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 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I did not receive the checking account SoFi plus bonus after my qualified direct deposit both from my employer paycheck and IRS tax refund, accumulated amount over XXXX. The SoFi only consider my paycheck as direct deposit. However, the promotion terms also show government agency ACH as direct deposit. The customer service agreed my request and the fact I met the requirement but she refused to give me the resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
this debt is on my credit report and it is reporting inaccuarate i was never contacted with a contract regarding this debt. I asked company to provide verification and they verified through the credit agency. i disputed debt and no information was sent to me regarding this debt. please provide me with either the contract or debt verification that is my debt. 

Collection Agency CAINE & WEINER COMPANY INC Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$500.00} Amount {$500.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact CAINE & WEINER COMPANY INXXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation