vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-27 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: Nelnet, Inc.
State: NJ

Complaint narrative:
Account XXXX XXXX XXXXXXXX To whom it may concern : This is in reference to your financial institution response to my CFPB complaint XXXX Be advised that my complaint was not a request for verification or validation of the XXXX XXXX Transaction which will be constituting a dispute. 

I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. pursuant to XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ). 

XXXX XXXX XXXX - Protection of nonpublic personal information. 

XXXX XXXX XXXX ( a ) Privacy obligation policy It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 

I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair and deceptive practices that NELNET uses against XXXX like myself. 

The provisions of XXXX XXXX XXXX ( a ) state It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

XXXX XXXX XXXX ( o ) - States Any person who negligent in failing to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any damages sustained by the consumer as result of the failure, and in the case of any successful action to enforce any liability under this section, the cost of action together with reasonable attorney 's fees as determined by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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:
See letters sent of all violations of the FCRA

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 2022-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I purchased a vanilla prepaid Visa card at XXXX because I needed a card until my bank could mail me my new debit card. I paid {$4.00} for the card and put {$300.00}. On the card at XXXX. I tried to use the card multiple times only to find out it was frozen every time I had to call the XXXX number and wait on hold for no less that XXXX minutes each time once at a gas station the clerk actually let me borrow money to get back home humiliating! I finally got a hold of someone that basically told that if I didnt like it that they would change the card as compromised and it would be XXXX XXXX until they finished the investigation I hung up and today after over a XXXX on the phone Im told my card has been canceled and they will send me a new card in the mail after XXXX XXXX I have no idea how they can be in business still. I needed to pay a utility bill and I cant now this is unacceptable I have a child with special needs that needs the electric on and I have never been treated so rudely before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have had an exceptional credit rating for the past 30+ years of my life. I took a seasonal job with the XXXX XXXX back in XXXX. I ended my job with the XXXX XXXX in XXXX of XXXX. At some time during XXXX I received a letter stating that I owed {$200.00} in taxes to Soc. Sec. I had no idea what they were talking about as I had all of my taxes taken out of the pay check. I called and logged into my IRS account and could not find any " outstanding monies owed '' I also call Soc Sec and they said I didnot owe any money that they were aware of. As we were being told of all of the scams during COVID I just assumed this was an attempt to have me send money ( seeing as I receive no less than 6 spam calls a day I just assumed this was in line with a scam ) Long story short I found out that this was indeed a real thing. I was not aware of the fact that during the last month of my employment with the XXXX XXXX in XX/XX/XXXX the federal government decided not to withhold Soc Sec thinking this would add money back into peoples paychecks. As I no longer worked for the Federal government the money that was not withheld was being collected directly. Seems most people didnot know about this as continuing employees just had the money taken out of their on going paychecks. 
This was a one off situation and as soon as I found out this was legit I paid the bill in full. So now the problem. This ONE time .... ONE OFF ... .. situation for {$200.00} had XXXX drop my 821 credit score ( once again I have had an exceptional credit rating for 30+ years ) down to 650 ..... I am outraged by this and all of my attempts to contact any one a XXXX have been meet with " well the computer does this '' are you kidding me. This is a scam as far as I can tell. How can you drop a persons credit score that low for a ONE OFF situation for {$200.00} after 30 + years of an excellent credit score esp since the genesis of this situation was thought to be a scam. 
I spoke with XXXX ID # XXXX on Wed.XXXX XXXX XXXXXXXX from XXXX and he just said I could contact you. This is outrageous that I can not get thru to anyone to figure out how they came up with the score based upon my outstanding credit rating. This cost time and money. I am copy and pasting this to XXXX XXXX Attorney General for the State of NY as I think that credit reporting agency 's are not doing business any longer in good faith. Why can you not get a resolution on an issue like this. The Consumer Protection Agency should be all over this type of consumer abuse. It's outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/2021, I opened a checking account with Citibank. I had did a transfer of {$5000.00} from my previous bank to Citibank. Soon after Citibank chose to close my account towards the end of XX/XX/2021. They advised me that they will be sending me a check for my remaining balance which is {$5000.00} within 90 days. After 90 days I did not receive any check from Citibank I have called them almost 3 times a week, leading up to today. They have given me the run around, Ive been hung up on multiple occasions, I have been promised that they will be mailing out a replacement check but to no avail. Its been XXXX XXXX yr since they closed my account and I have not received my money of {$5000.00}.

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 2022-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I bank with XXXX. On XX/XX/2022, I made a XXXX transfer of {$5000.00} to a friend but I sent it to the wrong and unknown person by entering the wrong phone number. My friend did not receive the money. On XX/XX/2022 and XX/XX/2022, I asked XXXX to reverse the transaction due to the error that was made but they refused and simply told me to have the person I sent the money to send back the money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My most recent payments were bounced back from my checking account because of the incorrect account being used. I made an additional payment and Capital One closed my account without warning or notification. When I inquired about accessing the rewards points I accrued, it was mentioned that those points were forfeited. Those are my points ( XXXX ) that I earned that hold value and they should allow me to at least transfer them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I visited the store XXXX and the staff said nothing they can't do. So XXXX called BEST BUY to get my lap top 'total tech ' refund and called them XXXX and they hang up. Called another number and said couldn't help. It has been XXXX XXXX since i canceled the extended warranty. I want to BEST BUY to either refund the whole {$390.00} or extend the warranty to XXXX XXXX  for XXXX device. I purchased the extended warranty thru the BEST BUY credit card.

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 2022-10-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit ( XXXX, Equifax and XXXX XXXX ) report and i noticed the following late payments. 

XXXX XXXX XXXX XXXX DEPTEDXXXXXXXX DEPTEDXXXX DEPTEDXXXX  DEPTEDXXXX  Your company is in clear violation of the law.15 U.S. Code 1681s2 - permissable purpose of consumer report, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject 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 instructions of the consumer to whom it relates, Did i give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR REPORTING ACT15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS, - Except as provided in paragraph ( 3 ), the term 'consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation15 U.S. Code 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit ( Experian, XXXX and XXXX XXXX ) report and i noticed the following late payments. 

XXXX XXXX XXXX XXXX DEPTEDXXXX-XXXX DEPTEDXXXX DEPTEDXXXX  DEPTEDXXXXXXXX  Your company is in clear violation of the law.15 U.S. Code 1681s2 - permissable purpose of consumer report, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject 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 instructions of the consumer to whom it relates, Did i give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR REPORTING ACT15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS, - Except as provided in paragraph ( 3 ), the term 'consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation15 U.S. Code 1681.

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 2022-10-27 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: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
I was under XXXX XXXX until the end of XX/XX/XXXX. The mortgage company said they had mailed loan modification paperwork but I never received it. After XXXX calls to the mortgage company they continued to to tell me that I was under XXXX XXXX and that they had re-submitted the account for loan modification. In XX/XX/XXXX I got the loan modification paperwork from the mortgage company, and got it sent back to the mortgage company. In XX/XX/XXXX I began remaking payments. The mortgage company is reporting to the credit bureaus that I was XXXX XXXX  in XX/XX/XXXX and XXXX XXXX late in XX/XX/XXXX, and they also reported an amount that was past due. This has affected my credit and also caused a credit account to be closed when I had always made payments to that credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I have a utility balance of {$1500.00}. on my report from Bull City Financial. My request is to please remove/delete the balance because its paid according to the company XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Sir XXXXMadam I made a XXXX  payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX in the amount of XXXX USD on XX/XX/2022 with purpose to prepaid a purchase of apartment in XXXX XXXX reference number is XXXX ) or ( Tracking reference is XXXX ) This payment was rejected by XXXX XXXX XXXX XXXX XXXX XX/XX/2022 but as of now the money didn't return to me because the Bank of America N.A XXXX is held it without explaining the reason. 
My Bank ( XXXX XXXX ) on behalf on me sent requests to return the funds on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
As of today XX/XX/2022, according to the information provided by my bank ( XXXX XXXX ( XXXX ) ) the transfer is held by Bank of America N.A. ( XXXX ) as a corresponding bank. Bank of America ignored all requests and messages from XXXX to refund the money. 
Also i tried to contact with Bank of America directly by myself. I sent them a messages via e-mail. they also ignored me and my kind requests to refund my money to my account. 
I provided all necessary documentation for this transfer such as : contract and other supporting documentation. I'm not included in any sanctions black lists. The origin of these funds is my salary from international company in XXXX Attached is the copy of the promise of purchase agreement with XXXX company who sells me an apartment in XXXX XXXX, XXXX tracker of money transfer and request for refund that was sent via swift

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 2022-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
I've already had a dispute with them resolved a XXXX XXXX before this issue occurred on XX/XX/2022. Logins front different XXXX were accessing my account login ( XXXX XXXX XXXX XXXX XXXX ). I stay in XXXX. I provided screenshots to Chime showing that at XXXX someone from XXXX logged into my account and at XXXX money was transfered to an individual I do not know. I also showed I did not log in until XXXX and my XXXX XXXX has had me at work from XXXX in XXXXXXXX XXXX so I could not have authorized this charge. They keep denying my claim no matter how many screenshots I show of XXXX states accessing my account and my location.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: DISCOVER BANK
State: LA

Complaint narrative:
Discover account was removed and replaced. Between XX/XX/2022, and XX/XX/2022, the following remark and account were removed from my Discover account, Account information was disputed by me, and met the FCRA requirement PLEASE REMOVED THIS ACCOUNT IMMEDLY, ONCE AGAIN PLEASE REMOVE THIS ACCOUNT OOF MY CREDIT REPORT, THIS ACCOUNT IS DAMAGING MY CREDIT SCORE AND BEING USED TO BRING DOWN AND DISCREDIT ME AS A CONMUSER AND THIS IS AGAINST THE LAW, IF NOT REMOVED I WILL BE FILING CHARGES. SEE BELOW FOR PROOF OF THE ACCOUNT WAS REMOVED. tHIS ACCOUNT HAS COST ME AND MY KIDS A HOUSE WHICH i HAD UNDER CONTRACT WITH A REALTOR, PLEASE REMOVE NOW OR A LAW WILL FOLLOW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: LA

Complaint narrative:
XXXX account was removed and replaced. Between XX/XX/2022, and XX/XX/2022, the following remark and account were removed from my XXXX account, Account information was disputed by me, and met the FCRA requirement PLEASE REMOVED THIS ACCOUNT IMMEDLY, ONCE AGAIN PLEASE REMOVE THIS ACCOUNT OOF MY CREDIT REPORT, THIS ACCOUNT IS DAMAGING MY CREDIT SCORE AND BEING USED TO BRING DOWN AND DISCREDIT ME AS A CONMUSER AND THIS IS AGAINST THE LAW, IF NOT REMOVED I WILL BE FILING CHARGES. SEE BELOW FOR PROOF OF THE ACCOUNT WAS REMOVED. tHIS ACCOUNT HAS COST ME AND MY KIDS A HOUSE WHICH i HAD UNDER CONTRACT WITH A REALTOR, PLEASE REMOVE NOW OR A LAW WILL FOLLOW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Ref Complaint # XXXX Attaching all existing materials, adding the XXXX XXXX XXXX XXXX Truist claimed the complaint was sent by an unauthorized person, I am fully authorized by my mother to act as an advocate on her behalf and this approval is in the files at Truist. 
__________________________________ Truist as a XXXX XXXX  servicer purchased my home loan and failed to pay the flood insurance causing it's cancellation. A new policy is XXXX XXXX more expensive. This will be financially devastating for our family and force the sale of our family home. The prior mortgage servicer XXXX, they also purchased the loan and made all necessary escrow payments in XXXX without issue.In XXXX, SunTrust now Truist failed to pay, the insurance was cancelled in XX/XX/XXXX. A new policy is required by XXXX XXXX the policy will be at a XXXXXXXX XXXX increase to {$5000.00} up from the prior XXXX {$500.00} due to this escrow processing failure. XXXX XXXX had the address on fi XXXX as Truist XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, which was provided by the servicers agent. They assure us they billed the address provided. Truist has acknowledged the error but has been unable to reinstate the policy at the prior rate which was a grandfathered rate. Truist had the fl ood policy number in their system, I believe they knew it was a XXXX XXXX ( aka XXXX ) underwritten policy. They contacted the wrong insurance company to gain 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