vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My XXXX and I are XXXX XXXX borrowers impacted by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The law was signed by President XXXX on XX/XX/2022. Per the law, we intend to separate our FFEL XXXX XXXX  Loan into XXXX XXXX Loans. We will then take advantage of the XXXX  waiver and expanded XXXX initiatives. Because we have been paying on our loans since the mid XXXX, our loans will be immediately forgiven under either the XXXX waiver, or the expanded XXXX  initiatives. We both have received confirmation that we have completed the steps required of us by XX/XX/2022 to qualify for the XXXX waiver. Recently, XXXX XXXX XXXX  and the Department of Education announced that implementing the XXXX will be delayed. In light of this delay it declared that upon request, loan servicer were required to place XXXX  XXXX XXXX Loans in Administrative XXXX until such time as the XXXX can be implemented. We have made XXXX requests to XXXX ( our XXXX XXXX to do just that. To date, they refuse to do so. Their willful failure to follow the directives of XXXX and the Department of Education require us to continue to make monthly payments and cause us to accrue unnecessary interest on a loan that will be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Relin, Goldstein & Crane, LLP
State: NY

Complaint narrative:
My name is XXXX XXXX, i am the consumer as well as the only one with personal knowledge in connection with the transaction. This company named Relin, Goldstein and Crane LLP has been repeatedly contacting me acting as debt collectors and its unclear whether they even have a license to collect alleged debts. please provide your agency debt collection license number. and please show cause of your authority to contact me about these matters concerning this debt. 

This is yet another notice of dispute. i am not making any settlements until this alleged debt can be verified. until this alleged debt is verified, i refuse to pay this alleged debt. as a consumer i am entitled to receive the name and address of the original creditor, verification or a copy of a judgement for this alleged debt from the creditor. if your agency is unable to produce such documents, it is advised that your agency cease all communications immediately. 

it is advised that all verifications need to be in the form of oath or affirmation and placed under the penalty of perjury. 

RE File Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they ar e in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subje ct to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
I send a payment t ( {$520.00} ) o a close creditcard account of Bank of America but the dont refund until a made a complaint with you ( # XXXX ). They send a check XXXX to my bank XXXX XXXX  XXXX XXXX XXXX with any information of me. My bank, unable to apply the payment to anyone, returned to Bank of America the amount of {$520.00}. with XXXX on XXXX deposit on XXXX on bank. I try to reach without rsponse with XXXX XXXX XXXX XXXX Specialist of Regulatory Compaints of Bank of America, XXXX XXXX XXXX XXXX that work with me before this problem. She dont return my massage. I want that Bank of America send me the check to my address : XXXX XXXX XXXX XXXXXXXX, XXXX, PR XXXX or send to the bank with my name on it. Bank of America can reach me to my phone number 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 monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I wanted to close my Business checking account with Bank of America. Once again they are giving me hard time and not doing so. Bank of America is too big and too inefficient. Bank of America hardly employee good people - cheap and mediocre people working here.

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 2023-05-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX has place derogatory account reporting on my credit profile from XXXX XXXX Bank Address : XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Dated : XX/XX/2023 Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX XXXX are consumer reporting agencies and I am the Consumer. 

Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of informationto credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission.

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 2023-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Regarding this complaint, I am submitting this claim on the behalf of Department of education student loan lender has given out my personal information to a NEW lender that is now over my student loans which is now, NELNET ( the new creditor over my student loans ). US department of education has closed the account on XX/XX/2023 in the amount of XXXX and transferred all my information to NELNET as of XX/XX/2023 which made it as 8 accounts as students loans when it should be 1 account.

Looking at the 3 different credit reports, I also noticed some amounts differences in amounts on my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: Regional Management Corporation
State: AL

Complaint narrative:
On XX/XX/2023 I was notified by regional finance that a loan was taken out in my name. The origination date is stated as XX/XX/2023. The amount financed is stated as XXXX. Im unaware of this account and transaction. The loan was made out to me and the person responsible without proper identification verification. Regional finance proceeded to mail a check to my address and the person in question had already destroyed my mailbox door to compromise my personal information and later retrieve the mailed check. The suspect later cashed the check using their signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: GA

Complaint narrative:
I've been having this problem with Equifax for quite some time now, my credit score is a XXXX, they keep putting the same fraudulent accounts on my credit report even after having official documentation, Identity Theft Id # along with police records showing proof that the accounts does not belong to me, I missed one payment over a year ago due to being out of state for a funeral, paid it within days of due date and every week Equifax is still removing 50 plus points at at time, and claiming it's still for the one late payment, after speaking with a representative yesterday, not even 10 mins after the call he removes XXXX points off of my score. I mean at some point in time, in this lifetime somewhere it has to become a fair process for the consumers, it almost like modern-day slavery, you can't even get what you earned and have worked hard for, and you can't even have a conversation with the companies to rectify the problems in a professional matter, they will just go and remove points for unnecessary reason, I need help with this, I applied for auto loan and because of Equifax scores not being accurate and incorrect information on my credit report, This isn't fair, I work hard to pay bills and keep a healthy credit report and I deserve protection just like anyone else, this isn't my first time reporting Equifax to you guys, please help me with some real-life solutions and results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
Violation of the Privacy act of 1974. Old National Bank who holds the loan on my car has been distributing my social security number illegally and continues to do so after giving proof and requesting multiple times for them to stop. Due to Old National Banks negligence my information is being sold on the dark web, loans by strangers have been attempted in my name, large amounts of purchases have been made without my authorization. I have and still am currently all of the above as well as continuing endured great financial loss. I've contacted Old National multiple times, sent them proof that they are using my social security number as a reference number on multiple documents and inform them of the results of their negligence but it continues to fall on deaf ears. Old National refuses to remove my social security number or even address the situation at all, the only thing Old National has done, is report to the credit bureaus that I have missed payments knowingly that they are solely the reason I can not make a payment due to all my accounts being frozen or closed because of them distributing my social security number and it being used fraudulently. Old National is the sole reason I don't have a bank account and that my credit has suffered. My credit has went from the XXXX to XXXX just in the time that they have been distributing my social security number. Strangers are purchasing my information for pennies on the Dollar on the dark web, my medical information is being used without my permission, there has been attempts to take out loans on other vehicles and credit cards, my credit cards have been maxed out by strangers who have gained this information through Old Nationals negligence.

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 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX I was scheduling payment on my Visa credit card account with JPMorgan Chase Bank , N.A . I have no issue with the charge activities listed on the account. Next to the charges was a hyperlink, stating " Pay over time. '' I clicked on this link to explore options. I next saw a payment plan program with 6, 12, and 18 month payment options. I clicked on the 18 month plan to further explore. I did not know I was being locked into their 18-month payment plan just by clicking on that information box. I tried to cancel while online, but could not find any way to do this, so I called customer service by phone. I was told by their representative " my plan is non-cancellable ''. I did not think this was right, and asked to speak with a supervisor. After a long waiting period, a person identifying herself as XXXX came on the line. I explained that I had somehow inadvertently been locked into a " My Chase Plan '', that I was only reading the online account information, and did not intentionally sign up for any payment plan. I told her I did not want this plan, and told her the previous representative told me the plan was non-cancellable. She told me the same thing, and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: TX

Complaint narrative:
REPORTING THE WRONG PAY OFF AMOUNT AND NEEDS TO GET DELETED

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 2023-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX, i am the consumer as well as the only one with personal knowledge in connection with the transaction. This company named XXXX, XXXX and XXXX XXXX has been repeatedly contacting me acting as debt collectors and its unclear whether they even have a license to collect alleged debts. please provide your agency debt collection license number. and please show cause of your authority to contact me about these matters concerning this debt. 

This is yet another notice of dispute. i am not making any settlements until this alleged debt can be verified. until this alleged debt is verified, i refuse to pay this alleged debt. as a consumer i am entitled to receive the name and address of the original creditor, verification or a copy of a judgement for this alleged debt from the creditor. if your agency is unable to produce such documents, it is advised that your agency cease all communications immediately. 

it is advised that all verifications need to be in the form of oath or affirmation and placed under the penalty of perjury. 

RE File Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
COVINGTON CREDIT XXXX XXXX is attempting to collect debt not owed to company. I have attempted to contact this company numerous times via letter, phone and still this company refuses to remove account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: Nelnet, Inc.
State: NJ

Complaint narrative:
XXXX has place derogatory account reporting on my credit profile from XXXX XXXX XXXX Address : XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Dated : XX/XX/2023 Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
- Capital One Bank has improperly and illegally applied a purchase adjustment to my account for {$11.00} - In late XXXX, I filed a dispute with Capital One for the amount of {$29.00} for an item that was bought from a Merchant ( XXXX ). Capital One later improperly filed a dispute for the full purchase amount of {$110.00}, although I never disputed that amount. After several calls, I spoke to someone at Capital One who was able to correct this gross incompetence and they later did a purchase adjustment of {$83.00}. Essentially {$83.00} plus {$29.00} = {$110.00}. 
- On XX/XX/XXXX, Capital One made a purchase adjustment of {$11.00} on my account which is illegal. 
- On XX/XX/XXXX, I received a refund of {$11.00} from XXXX, which was for a different item that was returned to them. Within the {$110.00} purchase that was made from XXXX on XX/XX/XXXX, I made a return for an item for {$11.00}. The merchant received that item and gave me a refund. 
- Capital One is improperly doing a purchase adjustment for {$11.00}, although I never disputed {$11.00} with them. My dispute was for {$29.00}, which they did incorrectly ( by crediting a total of {$110.00} ), and later corrected by doing a purchase adjustment for {$83.00}. 
- Unfortunately, they are not understanding that my purchase for {$110.00} included several items. One of these items was refunded by the merchant ( for {$11.00} ) ; I never disputed that item with Capital One, and never received a credit for that item at any point from Capital One. So, Capital One, has no business doing a purchase adjustment for this. 

It is a shame that a financial company is making these errors which reflects a high level of incompetence which should not be tolerated. 

Capital One needs to apply a credit of {$11.00} to my account because it is for their incompetence and lack of care in improperly doing a purchase adjustment which should never have been done in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Please see complaint # XXXX LVNV ( Resurgent ) has since closed the account however, they have not reached back out to the courts to have the case dismissed. This is a violation, as this organization is attempting in every way to tarnish my reputation, and my credit behind something I did not do. Once LNVN ( Resurgent ) closed this case on XX/XX/2023 this should have filed to have the case dismissed and the motion removed from my record, however they have not, and the courts advised me that they would continue to proceed UNLESS LVNV ( Resurgent ) files the proper request. Now some ran to the courts when my identity theft claim, was filed to try and file a claim to sue me. I going to need LVNV to have that same type of energy and going and submit to have that claim closed and removed from my records.. Otherwise I asked that they be fined and or I will file a civil suit for defamation of character, mental anguish for the amount of time and energy I have had to spend behind something that has been classified as identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
All companies have yet to correct the inquiries reporting negatively on my credit profile! They must be removed immediately thank you! 

AMEX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Type of Business Date of inquiry Credit Bureau Bank Credit Cards XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX Credit Bureaus/Mortgage Processing Credit Unions Auto Financing Miscellaneous Finance Auto Dealers , Used Auto Financing Auto Financing Auto Dealers , Used Auto Dealers , New Auto Loans Auto Financing XXXX XXXX Bank Credit Cards  XXXX XXXX XXXX Auto Dealers , XXXX XXXX XXXX XXXX Auto Dealers , XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation