vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 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 wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CT

Complaint narrative:
I started in XX/XX/year> with my SAVE plan request. Every 3 to 4 months I got an email that my request was missing information. I called and asked what was missing each time. I suspected it was because by the time my documents were reviewed the items were more than 90 days old. I was always told that was not the issue. 

Once I was told they didn't receive all of the documents even though I saw them in my account online where I had submitted them. After that I was told several different reasons my self certification letter of unemployment had too much information or too little information, however it aways had the information required per the instructions. Also, they had my layoff notice from the beginning. 

I get letters stating documents are missing but customer service can fins them. I have been told differing payment amounts, different plans I am enrolled in, and different instructions every time I call. There is no consistent answer. No one follows up and I start all over after every resubmission. 

After the last submission, I received a notice that my case was aged out and they closed it and my payments were restarting. It has been 3 or 4 months and I have XXXX idea how to resolve this. I also have to recertify in a few months and can only XXXXmagine how that will go.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: TN

Complaint narrative:
I received a vanilla gift Visa card from a family member XX/XX/2024 for a birthday gift in the amount of XXXX dollars. I used a portion of the card for a purchase I made on XXXX XXXX 26for the amount of XXXX and on XX/XX/XXXX th I went to use the remainder of the balance on a purchase at XXXX XXXX but when the clerk applied the card as partial payment it took the full XXXX dollars because the charge from XXXX had not went through yet. I was afraid that I would end up with a overcharge either from XXXX or vanilla so I asked the clerk to cancel the order and I ended up paying for both the XXXX order and the XXXX XXXX order with my own Visa card. I waited a day and when I didnt see the credit of XXXX dollars back on my vanilla visa I called the XXXX XXXX store and they assured me that the sale was canceled and the card was never charged. So when I didnt see the balance on my gift card I called to see what was going on and the only option I could find because I couldnt talk to a representative was to file a dispute over the card. So I filed a dispute and they froze my gift card until the issue is resolved which to this day 92 days later has not be resolved. I cant get vanilla to respond to my emails and I cant get a number to call any to get this worked out. It seems to me they got their money and they could care less about getting my money back on the card so I can use it. The case number is XXXX and the email is XXXX. As a consumer it is very frustrating to have to deal with this company Im asking for your help in everting my money back on my card and getting it where I can use the card. I also would like to report this company and there practices to someone that can let people know to never use them. Thank you XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2024-05-29 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: MA

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that currently appear on my credit report. In accordance with Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of these inquiries as they were made without my authorization and constitute a serious violation of my privacy rights. 

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to inquire and view my credit report. Therefore, I am requesting that you validate these inquiries with the companies mentioned above and provide copies of any documentation associated with these inquiries that bears my signature authorizing such actions. 

In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. I expect a response confirming the actions taken and the results of your investigation. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving these issues.

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 2024-05-29 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: CL Holdings LLC
State: DC

Complaint narrative:
I XXXX XXXX XXXX, XXXX # XXXX. XXXX # XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA $ 605B ( 15 U.S.C. & 1681c-2 ) that you. The XXXX and XXXX credit reporting agencies, block information on my consumer credit that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX inquiry ( XXXX XXXX XXXX ). Opened XX/XX/XXXX. A collection account ( XXXX XXXX XXXX ). A cellphone account opened XX/XX/XXXX with a balance of {$1300.00}. A collection account ( XXXX XXXX XXXXXXXX XXXX ) Opened XX/XX/XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer fraudulent credit report. I have attached a list of hard inquiries and collections in question. The aforementioned inquiries and collection accounts appearing on my consumer credit report maintained by you were not opened, made or initiated by me. They are all a result of identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX, # XXXX, # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collections also hard inquiries are a result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX checking account holders XXXX XXXX and XXXX XXXX. The fraud was committed with XXXX XXXX ' debit card. 

Debit card fraudulent purchases totaling {$5800.00} : XX/XX/XXXX - XXXX XXXX online purchase with an in-store pick-up for {$3200.00} XX/XX/XXXX - XXXX XXXX online purchase with an in-store pick-up for {$2600.00} On XX/XX/XXXX, Wells Fargo sent an email notifying of a denied purchase for XXXX for {$3200.00}. This email was not read until after the fraud was discovered. 
The wrong billing address was used on the purchase, and I do not know why they eventually approved it on XX/XX/XXXX. 

No notification was received from Wells Fargo for the XXXX XXXX purchase on XX/XX/XXXX for {$2600.00} XXXX XXXX participated in a university choir performance during the fraud and was on the XXXX campus for rehearsals and performances. There are numerous witnesses that XXXX XXXX was not in XXXX, California, where the XXXX XXXX merchandise pick-up occurred, and that she was in XXXX, California, during the fraud. 

XX/XX/XXXX Wells Fargo was notified of the fraud. 
XX/XX/XXXX Wells Fargo denied the fraud claim # XXXX. 

Numerous phone calls were placed to ask why it was denied when the wrong billing address was used, and Wells Fargo did not send any text alerts. 

XX/XX/XXXX, I requested that the case be re-opened and escalated and sent the police report. The new claim number is XXXX. 

XX/XX/XXXX Wells Fargo denied the claim. 
XX/XX/XXXX I asked that the claim be re-opened still questioning on what basics they approved the claim. 

XX/XX/XXXX Wells Fargo denied the claim stating that the consumer authorized the transaction, or no error occurred. Wells Fargo refused me to speak to anyone in the fraud department. Would not tell me how the " the consumer authorized the transactions '' and would not answer my question why the purchases were approved with the wrong billing address.

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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello i got identity theft from XXXX. I lost my phone last week and someone got access to it and started sending money to themselves. It was XXXX dollars. The date was XX/XX/year>. The same day i called my bank to disputed and today i just got an email from them saying they are denying my claim because Due to the login history evidencing authorization and/or participation in the electronic activity. Even though i didnt send money to anyone with that amount. I have wait almost a week for them to do something. Now im very upset and disappointed because i lost money and this bank isnt helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed by a fraud email from XXXX stating I sent money to XXXX XXXX for {$350.00}. XXXX is the tranfer account I used with my Wells Fargo Banking. 
The representve stated his name was XXXX XXXX, email address XXXX and to call tool free Customer Support XXXX ( XXXX ) XXXX. 
He also gave me his call back # XXXX should the line drop and His ID # XXXX. 
Lead me to open my computer to cancel this transaction which ended up in a wire transfer of {$24000.00}. As soon as I saw this on my account as pending I notifed Wells Fargo and they locked my banking accoutns so I was also locked out for a week. 
I found out later the wire transfer went through. Wells fargo was unable to stop it and sent me a letter stating my respondsiblity and they could not refund the wire transfer. 
I can set doucuments later of the email, Wells Fargo denile letter, and bank statement showing pending transaction of {$24000.00}. I feel they did not react soon enough. 
I am the POA on this accout.

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 2024-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Next Financial Inc. dba Copper
State: NY

Complaint narrative:
This is involving Copper Financial. 


I am XXXX XXXX mom ) and have an account with my XXXX daughter. We have had an account for a couple of years ; my daughter has been working and depositing paychecks lately. She had {$1500.00} in her account. I had around {$30.00} in there. 

We got an email on XX/XX/year>, that they decided to discontinue the deposit account and debit card. They said they expect the account to close the next day and will transfer money to the linked account or send an automatic check. 

I contacted their customer support check. They verified they had our right address and would receive a check in 14 days. 

We then got an email on XX/XX/year>, stating they were notified that one of their partner banks issued a freeze on account transactions and our account was affected. They said there is a delay and funds are safe. 

I went on the site today and it is a chatbot only available. It also shows a transaction from my daughter to me on XX/XX/XXXX of {$620.00}. We did not do this as we could not touch the money starting XX/XX/XXXX. 

However, this is unacceptable and my daughter needs her money to live on. 

Thanks, XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had a problem that I made a deposit of XXXX dollars but they hacked my account and transferred it to another account through XXXX and I called the Chase bank to help me and they said that they were not going to help me that they are not responsible and I lost my money. This happened on XX/XX/XXXX and I have been fighting for a month and they don't want to help or give me money back. I want my money back and they also took {$310.00} dollars from my account without me knowing anything, Chase Bank did it a week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On today XX/XX/year> I attempted twice to use my debit card at a local XXXX which both times the transactions declined. I was aware my balance was low but it was enough available funds to cover the transaction. I then logged into my online account and noticed a message on not only the account in question, but my children savings account that Funds are unavailable for withdrawal. I called the number listed around XXXX XXXX and spoke with a representative named XXXX who stated to me that there was an investigation done and the institution decided to end the banking relationship. The reason to a check that was returned. The check was presented to me for a refund and I personally had no knowledge of the status of the said account. I the consumer is being penalized for the return check. 

The issue here is that the company is withholding funds without a cause and withholding funds from my childrens savings account that does not have anything to do with the account in question. I then spoke with a supervisor representative XXXX ID XXXX about the situation. I ask her for more information such the department that is handling contact info, what is the procedure, what is the timing process and phone number. She was unable to provide any of it. 

She stated the only information I can give you is the mailing address for the company President in which I felt was being very condescending. 

I have obligations I have to pay within the next few days and because of this companys actions of not making consumers aware of actions before they take them is gon na cause me hardship and stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have contacted the company, Fifth Third Bank, over the course of three years ( XXXX ) to send out a physical card for use. The bank has stated they would send out a card on multiple occasions and never did. XXXX of XXXX, Fifth Third Bank closed my account due to inactivity. I contacted the bank asking for proof that they actually sent out a physical card and they could not provide me with this information. I asked for an explanation as to why my account was closed if they did not send an active physical card and received no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Wrong adressses. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Wrong adressses. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-05-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I received a XXXX  digital giftcard and registered it. I tried to use it and the card was rejected. After trying online to get a balance, the only way I could access it was with the original link. I found out that although the card was still valid, myprepaidcenter took it up themselves to take out dormancy fees on a valid card until the whole amount was gone. What disgusting business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year> a purchase alert came to me by the message : " Synchrony Alerts {$54.00} card not present transaction exceeds {$50.00} at AMAZON XXXX on your Prime Store Card ( Synchrony Bank ) ending ****. '' We called the number on the card to report a fraudulent purchase and close the card. They launched an investigation and didn't respond back with the results, instead sending me the {$54.00} bill without additional information. In addition, they opened a new account without my consent, putting said bill on the new account. Despite reporting the fraudulent purchase right after receiving a notification for a purchase, they still required me to pay {$54.00} on a card that stated {$0.00} fraud liability. When calling to question why I was charged even after reporting a fraudulent purchase, they simply sent out the investigation report that stated quote : " You have accepted responsibility for the charges. '' Even though I didn't. When calling Fraud Investigation Team Manager, they refused to explain what kind of investigation was made and didn't do their job in resolving the problem, simply stating " You have to pay this '' with no further help. There was a recent data breach with my network provider, which was followed by this situation. In my amazon purchase history there is no order stating what was even purchased, leaving me even more confused. The report claimed that the order was shipped to my location, despite me not receiving any packages or items. How is the shipment of the items possible if I called to cancel this fraudulent purchase?

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