vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: IL

Complaint narrative:
I paid off my full credit card balance of {$6800.00} on XX/XX/2023. After the payment was cleared, I then called Discover to close my credit card on XX/XX/2023. The Discover agent closed my credit card and let me know there were no charges left on my credit card. Without any sort of communication, Discover charged an interest charge of {$25.00} on XX/XX/2023, XXXX business days after my credit card was closed. Discover never sent me any sort of communication or email stating the new balance was due. Two months went by and Discover then charges me a late payment and then reported the unauthorized late payment to my credit bureaus. My credit score has now decreased from XXXX to low XXXX 's because of Discover 's failures. I have reached out to Discover multiple times and Discover agents are unwilling to reverse their credit reporting error. My last attempt on communication was to Discover on XX/XX/2023, XXXX business days ago and Discover has not responded as they said they would. Please help to look into Discover 's fraudulent behaviors and help to reverse their credit reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On or around XX/XX/XXXX, someone hacked my Chase checking account information and deposited a number of checks made out from XXXX XXXX to me. These were fraudulent checks not endorsed by me. In fact several of them were endorsed by a completely different name. 

Then on or around XX/XX/XXXX someone disputed a number of payments to vendors and merchants that I had previously sent. Chase approved these payments and then reversed the payments and returned the money to my account. Then the hacker withdrew these funds and all the bogus checks bounced and my account was severely overdrawn and now the bank refused to pay the reversals back, sending me a letter stating that I had initiated the reversals. This is not true. I asked them to go listed the recorded line and they refused. It was not me at all. They also stated that they don't review the endorsements on the back of the checks. I am out over {$3500.00} because their fraud organization refused to help me. They stated that they had cleared the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: IL

Complaint narrative:
My loan was transferred to Nelnet recently so along with the atrocious onboarding or transfer... meaning I couldn't get any info of when or how. My loan finally transferred and missed my first payment because I coudl n't get a hold of someone. I'm now in my second month of repayment and need a few easy things updated... .my address and payment date and have now called a total of five times to do this simple task. I can't talk to anyone about my loan because they don't have enough agents to handle the influx of calls they are receiving during this transfer period. I cant wait on hold for 45 minutes to possibly talk to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: PA

Complaint narrative:
called all companies involved. All removed from credit report. But they keep coming even with the credit reporting companies putting a freeze on my info. the keep trying even with the same cards. need my life back.

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 2023-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I am attempting to reach a person at the mortgage company to ask a simple question regarding changing my address due to my municipality 's intention to rename my street in the near future. 

One can not call the customer service number and reach a person. There are only options related to the mortgage loan itself. 

I did access the live chat which is a bot that provides an automated answer to changing an address with instructions. 

The inability to access a person is infuriating and not at all in the consumer 's interest. It is blatantly ridiculous. 

There should be the ability if every consumer to have access to a person to discuss account issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: NC

Complaint narrative:
All 3 credit bureaus are reporting 2 collections on my credit report that is inaccurate. I have asked for proof of the collection being valid and for proof that notice was given to me. Neither has been provided.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
All 3 credit bureaus are reporting 2 collections on my credit report that is inaccurate. I have asked for proof of the collection being valid and for proof that notice was given to me. Neither has been provided.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I paid off my full credit card balance of {$6800.00} on XX/XX/2023. After the payment was cleared, I then called XXXX to close my credit card on XX/XX/2023. The XXXX agent closed my credit card and let me know there were no charges left on my credit card. Without any sort of communication, XXXX charged an interest charge of {$25.00} on XX/XX/2023, XXXX business days after my credit card was closed. XXXX never sent me any sort of communication or email stating the new balance was due. Two months went by and XXXX then charges me a late payment and then reported the unauthorized late payment to my credit bureaus. My credit score has now decreased from XXXX to low XXXX 's because of XXXX 's failures. I have reached out to XXXX multiple times and XXXX agents are unwilling to reverse their credit reporting error. My last attempt on communication was to XXXX on XX/XX/2023, XXXX business days ago and XXXX has not responded as they said they would. Please help to look into XXXX 's fraudulent behaviors and help to reverse their credit reporting error.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Paid to delete on my account and it was never 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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Paid to delete on my account and it was never deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Paid to delete on my account and it was never 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 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
In a previous complaint this company responded with the below regarding notice : We mailed you separate and unique validation letters on XX/XX/XXXX, for account no. XXXX, and on XX/XX/XXXX, for account no. XXXX. 

Please provide the proof of notice, perhaps with a return receipt mailing that I signed. I did not receive notice that is supposed to be given by law for either account. You have violated my right to notice and have negative information on my credit reports without being able to provide proof of notice. Also, please provide itemized statement of accounts to included charges, payments, credits, fees, etc. to present date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i did not authorize these inquiries on my report and i would like these fraudulent accounts to be deleted As Soon As Possible

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 2023-10-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
i did not authorize these inquiries on my report and i would like these fraudulent accounts to be deleted As Soon As Possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been seeing this account on my credit report and I am not aware of where it came from. I called the company and the birthdate that they have on file is incorrect. The account number shows XXXX. The company refuses to remove the account from my credit report. 

According to 15 U.S. Code 1679c, inaccurate information should be removed from the credit report. The creditor has not been able to verify my correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells fargo Bank close my account and held my money.I cash several check going back over 2 years. these checks were sign to me : pay to the order of XXXX XXXX and I give them the fund. Now the bank saying that is not allowed. Now they say those people can come in with 2 form of ID and claim the money. In this case they would be committing fraud because they already get paid. I never know I couldn't cash for someone, therefore I need my money

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 2023-10-16 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: TX

Complaint narrative:
I recently reviewed my credit report and there are multiple errors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After taking a trip to XXXX I was notified by creditwise through my credit card app that a XXXX XXXX and a XXXX XXXX card had been opened under my identity. I disputed the XXXX XXXX and it was taken care of ( this actually happened twice within a few month span ) This was removed from my credit report. 

My first step was to Call XXXX and have them open an investigation. 

I then opened a dispute with Transunion on XX/XX/2023 when I because aware of the issue. File # XXXX. They verified the account as accurate and updated which is incorrect. 

I then filed multiple disputes with XXXX on XX/XX/2023. Report Number XXXX. All of which were deleted from my report, please see below. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

I then filed another dispute with XXXX XXXX XX/XX/2023. Report XXXX XXXX. During this dispute they removed another " XXXX '' fraudulent account along with a XXXX account. 

For some reason they did not remove the XXXX XXXX account but instead said it was verified and updated. Please see below. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX Account XXXX Verified and Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

XXXX Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 

XXXX is showing the account as closed. I don't understand how the different bureaus are showing this in different statuses.

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 2023-10-16 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Went to check my credit score and it has one hard inquiry from CBNA that i do not recognize nor did i apply for this. i requested infomation from the company and all they keep saying is verified and accurate. i have showed the police report stating that im a victim of identity theft and still weren't able to give me answers

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 2023-10-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a Chase-Amazon credit card which I paid the balance off in XX/XX/2023. And the company acknowledges the payment in full. However, they continue to charge me interest in XXXX and XXXX with a fully paid balance. I have on multiple occasions requested credits for interest they continue to charge me, and they say NO!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: TX

Complaint narrative:
I recently reviewed my credit report and there are multiple errors

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 2023-10-16 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: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
This is current banking mobile. I request a dispute for {$1400.00} that somebody stole from me on XX/XX/XXXX which was a work check I just received at XXXX while I was at work and I seen that it said I sent {$1400.00} to XXXX at XXXX I immediately made a dispute claim at XXXXXXXX XXXX and I dont know an XXXX and and I provided a police report on XX/XX/XXXX. Once I provided the police report they refunded me {$30.00}. I had to wait 10 days for me to get a resolution for my {$1400.00} dispute and didnt get a resolution until my XXXX day and they denied it. They told me I couldnt make another dispute because it was final but I couldnt even get in contact with nobody to talk to them to explain that I have proof that somebody stole my money!! I just want my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to file a formal complaint against Equifax for their failure to respond to my dispute within the legally mandated 30-day timeframe, as required by the Fair Credit Reporting Act ( FCRA ). This failure to adhere to the law has had a detrimental impact on my credit report and my rights as a consumer. To provide a comprehensive account of this issue, I would like to highlight the following key points : 1. Dispute Submission Date : I submitted a dispute letter to Equifax via fax to their number XXXX on Wednesday, XXXX XXXX XXXX. This dispute was sent with the expectation that Equifax would respond within 30 days, as mandated by the FCRA. Thus, I anticipated receiving a response from Equifax on or before XXXX XXXX XXXX. 2. Lack of Response : Regrettably, I have not received any communication or investigation results from Equifax concerning the dispute I submitted. It is important to note that this timeline exceeds the 30-day window established by law. 3. Specific Dispute Resolution Requests : In my original dispute letter to Equifax, I clearly requested the removal of two items from my credit report. These are outlined as follows : a. XXXX XXXX XXXX XXXX ( Account Number : XXXX ) : I am formally requesting the permanent removal of the XXXX XXXX XXXX XXXX account, identified by account number XXXX, from my credit report. b. XXXX XXXX XXXXy ( Reference Number : XXXX ) : Furthermore, I am requesting the permanent deletion of the public record associated with reference number XXXX from my credit report. To substantiate my complaint, I have included a copy of the original dispute letter that was sent to Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had a consolidation loan through XXXX which included my Synchrony/XXXX XXXX  card . The account was paid off, resulting in an overpayment to XXXX XXXX/Synchrony in the amount of {$62.00}. On XX/XX/23 I called Synchrony who verified I was due the refund and submitted it for me. In XX/XX/23 I called XXXX XXXX/Synchrony bank back as I had not yet recieved my refund check as promised. I was transferred to the XXXX XXXX  complaince team ( XXXX ) and spoke with XXXX. She stated the refund of {$62.00} was approved on XX/XX/23 and the " check was in the mail ''. On XX/XX/23 I called back the compliance team and spoke with XXXX who stated he did not see a check going out to me nor was I due a refund, even tjhough it was previosuly confirmed AND XXXX XXXX sent me a letter showing the overpayment! He said he would have to transfer me to a manager, the number he transferred me to no longer in service ... '' the # you dialed is no longer available ''.

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 2023-10-16 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: TN

Complaint narrative:
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  These inquiries above was made fraudulent on my account I'm asking transions to delete these inquiries off my credit report.

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 2023-10-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Kikoff Inc.
State: PA

Complaint narrative:
Kickoff is supposed to help build your credit. My score went up the first week when I applied and havent benefited me since. I closed my account and they put it on my credit report also without giving me back what I put in to it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation