vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I requested a deferment when I lost my job at or around XX/XX/. On XX/XX/, Nelnet advised I needed to submit additional paperwork and I uploaded the requested documents to the website. Nelnet said to expect a response in 7-10 days. I never received one, rather on XX/XX/ I was informed my payment was past due and there is no record of my request for deferment other than the email I received and the forms showing uploaded on XX/XX/. I again re-submitted documentation on XX/XX/XXXX and as of XX/XX/ was informed : -- - We've received your request regarding your student loan ( s ), and it's currently being reviewed by our team. You don't need to do anything else at this time, other than making any payments per your latest statement. You will receive additional communication from us regarding your request within 15 to 20 days. 

Remember : We're always here for you! If you have any questions, please give us a call at XXXX, and we'll do everything we can to help you stay on top of your loans. 
-- - I've tried calling, but told there is more than 85 minutes of wait time in the past. Today, XX/XX/, I called right at XXXX XXXX and was told it would be 1 minute wait. After 25 minutes I was offered a call back and am waiting for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I was trying to log into my TD Bank account. Upon logging in, I discovered they closed my checking account for reasons unknown. I decided to call and they told me they have a no check status meaning the customer service on the phone was not able to see or give me a reason as to why they closed my account. The next day, I decided to go into the banking branch and find out what was going on with my account as I had money on there that I needed. The customer service employee and the branch advised me the same thing and told me my account is closed and she took m bank card and cut it and threw it away without still giving me any reasons as to why they closed it. I then asked them when I will be getting the funds in my account and they told me it should be mailed to me within 30 days. Fast forward to now Ive called multiple times the past months asking when I will receive my money and they continued to tell me the same thing. It should be mailed to me in 30 days. It is now XX/XX/XXXX and I have still yet to receive my money months after them telling me I would. Im unsure what to do and writing this complaint was my last resort. I just want my money back because it is MINE and it is not the banks right to continue to hold it away from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 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: EQUIFAX, INC.
State: DC

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 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:
Good morning on XX/XX/2023 I requested an investigation for my consumer report because I noticed an account that was reported inaccurately. XXXX is furnished with data that does not match across all the consumer reporting agencies. I also received a response from the bureaus refusing to complete the investigation. This has caused extreme damage to my reputation. I have evidence that I am not responsible for this account and I can also prove that the courts determined the party responsible for this item. According to the FCRA 15 USC 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information the item must promptly be deleted from my consumer report based on the results of the reinvestigation.

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 2023-11-13 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: TN

Complaint narrative:
Good morning on XX/XX/2023 I requested an investigation for my consumer report because I noticed an account that was reported inaccurately. XXXX is furnished with data that does not match across all the consumer reporting agencies. I also received a response from the bureaus refusing to complete the investigation. This has caused extreme damage to my reputation. I have evidence that I am not responsible for this account and I can also prove that the courts determined the party responsible for this item. According to the FCRA 15 USC 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information the item must promptly be deleted from my consumer report based on the results of the reinvestigation.

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 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Im trying to transfer my points from chase rewards to XXXX and they dont allow me. Ive called chase more than once they said it has to be done by a specific department manually and its been over a week and nothing happened! Ill probably going to lose the opportunity to book the XXXX XXXX  with points all because of this delay coming from chase. Terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: LEXISNEXIS
State: DC

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
On XXXX XXXX XXXX I noticed an account on my credit report. I called Capital One to indicated that account ending on XXXX was not fine. It was a fraudulent account open under my name. On XXXX XXXX  I received and email with an account statement, stating that the payment was pass due. The account it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: GA

Complaint narrative:
This medical debt is not supposed to report on my credit and this alleged debt did nit give me any notification or receive permission from me. They have violated under tile 15 of the FDCPA guidelines. This alleged debt was removed now reinserted 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 non-monetary relief
Consumer complaint received 2023-11-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed a charge off on my credit with XXXX several time only to be told its verified, this account information is being reported as verified when you can clearly see that it does not match other credit bureau information, I would like for this item to be removed, it has been weeks since I ask for my old addresses to be removed and yet they still remain acct XXXX XXXX, the high credit amount has been reported inaccurate which is a violation, delete account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I opened an account with XXXX. Used the card at the local XXXX store. Never received a bill from XXXX. Received a collection letter from XXXX XXXX  who apparently runs the XXXX credit card saying I never paid the bill of approximately XXXX. The charged be twice that amount in late fees. When I inquired with XXXX as to why I never received a bill. They informed me that the e mailed the bill to my email. I never requested e billing. So as soon I I received the collection notice from XXXX XXXX  I paid the entire balance. XXXX issued a negative report to the credit bureaus that resulted in a dramatic drop in my credit score. I purchased furniture from a local retailer last year and the same thing happened. Turns out XXXX was also the credit card issuer for this store as well. Bottom line is XXXX XXXX  deceptive practice of forcing e billing on consumers without notification and their aggressive collection reporting is harming senior citizens like myself and needs to be stopped.

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 2023-11-13 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC
State: MI

Complaint narrative:
I have already made a complaint to the CFPB about this company reporting my payment history incorrectly and even after multiple calls they still insisted that the reporting was correct but yet admitted after a CFPB investigation that there was a tech issue and thats why it was not reporting correctly. They corrected the improperly reported on one credit bureau but have yet to do so on the other ones. Now, they are reporting my XXXX payment as XXXX  days late which was never late. I have had the same automatic payment set up with them since XXXX, when I started their program to help cut my payment as I have been facing financial distress. When I called to ask for an explanation as to why they were reporting my XXXX payment as XXXX  days late ( even though it wasnt ). I was told my automatic payment was set up wrong and thats why it was reporting late. I have not changed the automatic payment and it is an automatic payment that they set up for me. There has been no change whatsoever and even if it suddenly is wrong the payment couldnt be anywhere near 30 days late. I dont understand how I have the same automatic payment date set up from the beginning of enrolling in this program and now all of a sudden the payment date is late without being informed the date was changing or why they didnt bother changing the automatic payment they set up. I am providing a list of my processed payments from Best Eggs website as well as a list of my processed payments from my bank account at XXXX. As you can see, the date is exactly the same for every month except for my XXXX payment which was paid a little late due to my financial situation but wasnt reported as late. This is confusing considering their current response to my complaint I have made with them about my XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
In accordance with the fair credit reporting act, 15 USC 1666b ( a ), A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose, unless the creditor has adopted regional procedures designed to ensure that each periodic statement including the information required by section 1637 be of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. My rights were violated because I did not receive such notification

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
I received a collection letter for emergency room services from XXXX XXXX  XXXX ( XXXX XXXX was the ER I visited ). I immediately called because my insurance company XXXX had already paid it. The doctor acknowledged getting paid but states they didnt receive an Explanation of Benefits so they couldnt verify they got paid enough. I brought my insurance company on the line and they confirmed an EOB was sent and verified the address. The doctors office said their addresses had changed so they didnt get it. XXXX stated the doctors office never updated their address with XXXX. XXXX sent a copy of the EOB to the doctors office again. I had spent over two hours on the phone with the doctors office this day. A month or so later, the debt was reported as a collection to my credit. My EOB clearly shows a patient responsibility of {$0.00}. Under XXXX rules, any provider who accepts them agrees their payout is final and patients can not be billed the difference so theres nothing left for them to verify. They got paid.

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 non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-11-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX

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 2023-11-14 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: Marlette Funding, LLC
State: NC

Complaint narrative:
Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: GA

Complaint narrative:
This alleged debt was removed and reinserted on to my credit file without notifying me by FDCPA guidelines es. They have violated my rights under title 15. Medical debts is not supposed to report on credit reports.

Company response to consumer: Closed with explanation