vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: MD

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On XXXX of 2022 I looked through my consumer report and noticed an alleged debt by the company GREAT LAKES. Pursuant to 15usc 1692a ( 5 ) the term debt means any obligation or alleged obligation of a consumer to pay money out of a transaction in which the money, property, insurance or services You can not obligate me to pay something that I am not the owner of. You have asked me to show proof that I am not the owner of the debt, but I can say this organization does not have proof that I am the owner of this debt. The proof of the person or organization that has ownership of this debt is the owner of the instrument of indebtedness, which is the contract with the consumers signature of his name. If you can not provide this contract, then I am not the owner of this debt. The person or organization who has this contract is now the debtor. The reason I asked for my signature is this organization used my signature as form of transaction to sell to other third-party security markets to profit. So therefore, I am not the owner of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, I booked a refundable flight using my American Express credit card via the American Express Travel dashboard on their website the next day I called for a refund ( inline with policy noted on original receipt ) the agent was unable to help me due to the airline not being open during these hours. Over the course of 4 months they have changed their travel policy ( attached ). 

In XX/XX/XXXX, they granted an airline credit ( previously policy would dictate that it is an American Express Travel credit ). In XX/XX/XXXX I requested that this be change to a full refund or American Express Travel credit. They rebooked the flight without my permission and removed the provided travel credit. 

XX/XX/XXXX - Booked flight via American Express Travel website using American Express Platinum Card XX/XX/XXXX - Called American Express to cancel flight ( listed as option on receipt ) they were unable to cancel flight as it was not during the airlines business hours. ( Air XXXX XXXX ) XX/XX/XXXX - Opened request online to cancel flight for refund or travel credit - they were unable to locate reservation XX/XX/XXXX - American Express provided Airline Credit for trip XX/XX/XXXX - American Express would denied airline credit or refund for trip that they had already cancelled and provided an airline credit for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
I have personal information that is apart of identity theft on my credit report. I also have accounts that are not mine due to identity theft. 
Several disputes and attempts have been made to get wrongfully information removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: OH

Complaint narrative:
Im trying to change my XXXX information from discover to XXXX  XXXX bank. But cant because all of a sudden they remove XXXX from my discover account and no longer can use my email or phone number at any other bank for XXXX. According to XXXX themselves discover marked my number and email as fraud. 

Im not the only person having this issue. With a XXXX search you can see others in the same situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: NY

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 U.S.C 1681 XXXX-Open XXXX XXXX XXXXOpen dateXXXX XXXX XXXX-Open date XXXX XXXX-Open date- XX/XX/XXXX XXXX XXXX-Open date XXXX XXXX XXXX ( Original Creditor : ( XXXX XXXX XXXX XXXX ) Open date XXXX XXXX ( Original Creditor : ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) -Open date XX/XX/XXXX 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency makes any consumer report containing any of the following items of information or any other adverse item records of convictions of crimes that 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number ( XXXX ) XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I paid off my credit card bill with Bank of America with the paid in full option on XXXX of 2022. I got a letter a few months later saying I needed to make a payment, they had added some charges on to the bill and said they would collect a late fee. I called and spoke to a representative and then they said they would waive fees. I got an email notice this month in XXXX that I still had a balance due and tried to log on. Somehow I had an over XXXX balance. I am not able to log into the account even having the proper credentials. I changed the password and then I will still am unable to log into the account. I am not sent statements and I am not able to log on to see the balance.

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CarMax, Inc.
State: TX

Complaint narrative:
On XX/XX/21 date my car was totalled. After speaking with my insurance company they told me that they sent over insurance information to car max. On XXXX ( dates after my insurance company sent CarMax insurance money ) CarMax sent me a letter stating that my account was paid. However, upon checking my credit report I noticed that there are late payments on my credit report after receiving a letter from CarMax stating that my account balance was taken care of. The attached documents with dates shows a timeline of events. I am asking that car max remove all late payments on my account due to the fact that this is an error in their part. I am unable to purchase a car to take myself to and from work because of the incorrect information they placed on my credit report. Again please see attached pictures and documents with dates which explains the timeline of events.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
Comenity bank/ulta lowered my credit limit from {$400.00} to {$100.00} without notifying me, and have now closed my card due to purchases due to two returned payments that an account number was simply typed in wrong for. They lowered my credit limit based off of fraudulent info on my credit report and have now lowered my limit to {$100.00}. Rarely have I ever been late or missed a payment, but things happen. This card has been nothing but issues, from them holding payments until the next billing cycle even though my bank verified they were paid to lowering my credit limit without telling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: LendKey Technologies, Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I refinance my federal student loan to a private loan servicer name XXXX on behalf of XXXX XXXX XXXX ( the " Lender '' ). The servicer agreement stated I had the right to request forbearance for up to 18 months. On XX/XX/2022, I lost my employment. I made ( XXXX ) payments which included a {$5000.00} fee which the loan new granted over the payoff amount of my consolidated federal student loans to ensure in possibly short on the payoff amount. The loan servicer was provided a payoff amount that offers up to 30 days to pay off the loan. Instead of {$5000.00} being sent to me directly, it was applied to the loan principle. I applied for a Forbearance shortly after losing my employee. A few days later, I got this response. 

Servicing XXXX Thu, XX/XX/XXXX, XXXX XXXX  to me Dear XXXX, Thank you for your recently submitted forbearance request. 

We recently received your forbearance request. The lender, XXXX XXXX XXXX, gave your request careful consideration and regrets that it can not approve the request at this time. 

REASONS FOR DENIAL. The factor ( XXXX ) below are the reason ( XXXX ) for this denial : ____ The borrower did not meet the minimum payment requirements ( either XXXX total consecutive payments before applying for his/her initial forbearance or making XXXX total consecutive payments between forbearance periods. ) If you have any additional questions, please get in touch with our XXXX XXXX  at XXXX Monday-Friday, XXXX XXXX- XXXX XXXX XXXX 
You can also contact us via email at : XXXX. 

Thank you, Customer Service XXXX XXXX. My first concern is that I was told by XXXX that the {$5000.00} that was approved over the payoff amount was applied to the principal balance is not considered a payment. ( Why not? Since surplus funds were never sent to me, I should have them applied directly to the loan. 

XXXX. I was told I must make XXXX payments before making a forbearance request. These specific terms were not included in the loan disclosure forms. 

XXXX. I was also told that the XXXX XXXX XXXX has the right to change the terms of forbearance at any point they choose to do so in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: CA

Complaint narrative:
DATE : NAME : XX/XX/XXXX XXXX XXXX ADDRESS : XXXX : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 

I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 


In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 

Please remove it from my credit report or Im seeking litigation please delete.

1 ) I demand the following fraudulent Inquiries deleted from my credit report immediately. 
Bank Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 2 ) I demand the following fraudulent Inquiries be deleted from my credit report immediately. 

Bank Name : XXXX XXXX Date of inquiry : XX/XX/XXXX 3 ) I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX Date of inquiry : XX/XX/XXXX 4 ) I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 5 ) I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX Date of Inquiry : XX/XX/XXXX Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

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 non-monetary relief
Consumer complaint received 2022-11-08 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX MI XXXX Phone Number ( XXXX ) XXXX in accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-11-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX XXXX, Account number : 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 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08 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: LEXISNEXIS
State: VA

Complaint narrative:
I became aware in XX/XX/XXXX when my homeowners insurance company said I received a higher rate because of my credit report, that Lexis Nexis was combining my credit information with another woman 's who had the same first name and a social security number with one digit difference. I have been through this correction with the 3 other bureaus. It has taken seven phone calls and all the information but a CLUE report has been removed. Lexis Nexis is telling me that can't remove the other woman 's accident report because it was put there by the insurance company. Apparently they have no process to correct their error in combining my report with hers. In addition there is a new CLUE report from my auto insurance company of XXXX claims for windshield replacement that XXXX has said they did not report. The new CLUE report was not on any of the previous 6 requests I made so I have to believe it is retaliatory and I would like it removed. I have not had any accidents and would like the CLUE reports not related to me removed. It is unconscionable to have no process to correct their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: OK

Complaint narrative:
I deposited a check written to me by my fianc four months ago. The funds left his account in my account was locked. I have not been able to receive these fun summing up to {$6000.00}. when I go in the branch, they say theres nothing they can do and to call XXXX. When I call, they tell me I need to go to a branch and its just a never ending cycle of people telling me theres nothing they can do. My money has been locked for XXXX months. All my credit cards are maxed out and this is my rightful money. Regions refuses to give me more information or even submit a ticket request and tells me to wait with no details of what I am waiting for.

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate 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 explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had received money from a tenant for the XXXX program. I am a woman close to XXXX XXXX XXXX  so I rarely spend any of my money as Ive been saving up for years. I got this new bank account specifically for the purpose of cashing this. Check and having some savings. I went in after about a month and a half of not checking my account only to see that close to {$5000.00} had been stolen from me through multiple small XXXX XXXX made transactions. I dont use that service. I put it in a claim to get my money back from XXXX XXXX but Bank of America denied my claim with no proper reasoning.

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc.
State: PA

Complaint narrative:
Grain promised to remove 30 day late as XX/XX/2022 and has failed to do so. My account was updated with credit bureaus on XX/XX/2022 and 30 day late remains

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX promised to remove 30 day late as XX/XX/2022 and has failed to do so. My account was updated with credit bureaus on XX/XX/2022 and 30 day late remains

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