vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CBC Companies, Inc.
State: SC

Complaint narrative:
I HAVE IDENTIFIED INFORMATION ON MY REPORTS THAT ARE A RESULT IDENTITY THEFT. THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: SC

Complaint narrative:
I HAVE IDENTIFIED INFORMATION ON MY REPORTS THAT ARE A RESULT IDENTITY THEFT. THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: FL

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My chase checking acc & saving acc got closed permanently for no reasons. been called cs for thousands of times and still not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: Credit Karma, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX I purchased an engine for a XXXX XXXX XXXX with XXXX miles and a full two year warranty on all parts and labor. The cost of this engine was {$1900.00} and expected to be delivered to my mechanic on XX/XX/XXXX. I gave it a few extra days and called my mechanic on XXXX XXXX, he had not received the engine for the car. I then started calling all of the phone numbers listed on invoices, email, text messages and website. None of these numbers were in working order. I then immediately called Credit Karma to dispute the charges and was told it would take 45-90 days to investigate. I was giving them time and I checked on XXXX XXXX and the dispute was denied 1 day after I filed it. I then appealed the dispute on XXXX XXXX and received an email on XXXX XXXX saying my appeal had been denied. Credit Karma never called, emailed or even tried to contact me. They never asked for my proof of correspondence or my proof of the invoices or delivery date. I sent all of this information to them but they still have failed to look at any of it. This is money from a hard working person who is not sick due to this issue. I really hope someone sees this and can assist me with getting a refund from Credit Karma. I have never been more disappointed in a company than I am with them. They have not even tried!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MD

Complaint narrative:
My US bank account was compromised and someone accessed my account and did a XXXX Transfer for the amount of {$390.00}. I called the bank and raised this issue ; however bank has denied the claim. As per regulation E bank is responsible for returning unauthorized transactions. The bank has denied my claim and not following the regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I obtained a XXXX 's credit card managed by Capital One. The credit card offered 6 months payment term for purchases over a certain XXXX  amount. If the the amount is paid within 6 months, the 29.99 % interest will not be charged. XXXX has a similar program which works well and is fair. 

For one of my purchases, I agreed to paying the full amount in 6 months so there will be no interest added to the purchase. I set up a automatic payment option ( offered by XXXX 's Capital One site so the amount due or the minimum payment can be automatically deducted because if you are even one day late, they add XXXX $ late fee plus the 29.99 % interest for the purchase. 

I bank with XXXX which is a reputed bank. The autopayment option for my card was not accepted by XXXX XXXX  because the way Capital one has set their auto payment function. I am told they deduct the entire amount owed and not the minimum payment due or the amount due for that month. For example, if I have a balance of {$12000.00} on my credit card and set up automatic payment terms, Capital one will deduct XXXX from the account. So that is why XXXX does not accept Capital One automatic payment function I fee that Capital one has purposely set it up autopay so they can collect XXXX $ fees for late payment and 29.99 % interest on the 6 months program when some banks dont accept the Autopayment from XXXX XXXX For a purchase of {$1300.00} ( purchase date XX/XX/2023 they charged me XXXX $ cents. interest because the autopayment was denied by XXXX XXXX. 

When you set autopayment, if the auto payment is accepted, we the customer thinks it is in place. Please contact them and get them to refund the interest payment. I have the funds to pay the amount of XXXX $ in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I have made multiple attempts to rectify this issue directly with Apple Card / GS, and have received no satisfactory resolution. I kindly request the following actions to be taken, investigate the inaccurate charge-off listing on my consumer report, considering the violation of IRS income exclusion regulation. Pursuant 15 USC 1681 furnishers of information must provide accurate and complete information ; Income does not get reported on consumer report according to the IRS, they filed a 1099C, cancellation of debt and income is excluded from the consumer report, so this account is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

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



XXXX XXXX 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 furish 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 explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I applied for IDR SAVE plan via studentaid.gov. The plan was approved and processed and sent to my servicer Nelnet on XXXX with a SAVE Repayment Plan and Monthly Payment Amount of {$430.00}. 

I do not see this reflected on the nelnet website nor do I see any pending review of the plan. I have called multiple times with wait times over 1 hour and disconnected with followup no response. I emailed Nelnet today, XX/XX/ but have not received any automated reply that they have recieved the email, and thus far, have not recieved a single email from Nelnet about IDR processing, despite studentaid.gov listing the application as in process. 

Nelnet has now billed me under my incorrect plan twice and has listed my bill as past due, even though it is not on the correct repayment plan. 

I don't know what to do, as I can not get through to nelnet despite multiple attempts through phone and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: LA

Complaint narrative:
Columbia Debt Recovery LLC DBA Genesis Cred has ignored multiple C & D request that have been given verbly and over written email. They continue to perform automated calls and harrasing emails. 

They are attempting to collect the debt on behalf of XXXX XXXX Columbia Debt Recovery LLC 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 2023-10-19 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: VA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
So to set the scene : For about 2 years I have been working with XXXX and their credit card and recently were bought out or transitioned over to Ally. Well XXXX and XXXX my payments did not withdraw as I expected them too which was in part my fault as I did not transfer quite enough over to that account for the payment to process, However I have NEVER been more than a few days late on rare occasions. So I check my account to see the new app and find my XXXX payment failed. I also find out my Interest had been raised to 30 % without any reason or warning. I asked about lowering my rate after being a good customer for 2 years and was told no. In fact they encouraged and heavily implied the only way they looked at lowered interest was by not making payments. So opting not to ruin my credit for a few percent of interest I tried to make my payment online and found I could not and that my Routing and Account number had been 'Blocked '. So I call back in and find out due to my payments not going through that I was no longer able to make my payment using their app, online, or phone services but was then told if I was 35 days late I could pay with a debit card. Wow! What a deal that will no way affect my credit worthiness. So instead of them having any customer service whatsoever they double down and told me there is no way I can pay with my only method of payment and no one I could talk to. I feel like this needs to be rectified as this is affecting my credit over time and they are not even attempting to assist me or accommodate me and then saying there is policy and verbiage which I never signed with them or agreed to, nor have I previously or ever been warned about. I would totally understand if this outcome had I been warned of it but this is out of nowhere WEEKS after moving to a new company which has had nothing but an awful experience. Had I known and been able to pay this off in one go I would have to avoid this awful company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have gave ALL parties 3 chances to cure. I have requested info on the investigation, also proof of my wet signature on the contract stating I would pay the alleged debt. This account have been removed twice and wells fargo continue repost the account withnot sending me any communication. 15 USC 1692. Following parties have violated my rights and with the help of the CFPB I will seek damages. I demand accounts be removed IMMEDIATELY!!! PLEASE SEE ATTACHMENT 18 USC 8

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Today on XX/XX/XXXX I received an enclosed letter from Sephora saying that I owed them XXXXXXXX XXXX XXXXI never opened a card with XXXX and even attempted in the past to call them and let them know that it wasnt me.They told me there was nothing they can and it would most likely be posted to my credit if nothing was done about it .I feel like it should be taken completely off my report because I definitely never opened a card with them before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: LA

Complaint narrative:
I have inaccurate information on my credit report that does not belong to me. I want the items re-investigated and removed from my credit report. I am a victim of identity theft. 

Equifax credit report 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 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 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 non-monetary relief
Consumer complaint received 2023-10-19 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: PA

Complaint narrative:
I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
On XX/XX/2023 I sent in a request to view other plans after having been enrolled in the SAVE plan. The website will not show me other plans unless I cancel the SAVE enrollment for a fee, and I may be charged a difference later if I reenroll. The payment for income-driven repayment is {$960.00}, and my original payment that was not on an income driven plan was {$650.00}. I can not afford to make this higher payment, and I have had no response from Aidvantage regarding my email in over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: GA

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

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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