vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated
State: PA

Complaint narrative:
On XX/XX/2023 I checked my Way2Go account and all of the funds had been stolen- almost {$12000.00}. Way2Go ( Conduent Bank ) is the bank that my child support funds are deposited into. I immediately called Way2Go and reported that my money was stolen. I filed a dispute over the phone and was told that a questionnaire would be mailed and I would receive it in 7-10 days. I did not want want to wait that long so I spoke with the dispute department and they told me I could hand write the dispute letter with all of the dates and amounts of charges that were not authorized by me. I faxed that letter in on XX/XX/2023. I called on XX/XX/2023 and was told that the dispute was denied on XX/XX/2023. They said they would send an email letter with details about how they came to that conclusion and letter contains no information whatsoever besides " conflicting information. '' I asked to open an escalation so that they would truly investigate the fraud and 3 have been opened and still pending over 6 weeks later. I have spent countless hours calling Way2Go and they just say call back in a few days. 

Way2Go had sent out a new card in the beginning of XXXX and allowed someone to activate the card and steal all of the money within days. There is an {$500.00} limit per day yet the thieves were allowed to steal thousands a day and it was not flagged by Way2Go. I have asked how this could happen and every single customer service representative has said " I don't know. '' A police report was filed with my local police department and also filed a fraud report with the FTC. Way2Go has yet to communicate with the police department even though I have sent them the reports and told them that the PD has gathered additional information and suspects that would help their investigation. They have yet to cooperate with police.

This experience has been life shattering and Way2Go has not provided any support or even a true investigation into this obvious fraud. I asked about a provisional credit and they said it is not guaranteed but I would have had to get my documents in within 10 days and I absolutely faxed the documents in the day I discovered the fraud. Way2Go needs to be held accountable for their negligent practices and lack of communication while handling such a horrible situation. I was told I will never be able to talk with the investigation department and I can only speak to managers which can give me no information. I have kept track of all calls, dates, names, and information given during each of my calls to Way2Go.

This company has shown zero concern with this situation and what makes it even more sad is that is child support money that I have been saving for years that will help my child with his future education.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, 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 Dont recongnize this inquiary from XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXXXXXX ( XX/XX/22 ) XXXX XXXX XXXX XXXX XXXX  XX/XX/22 & XX/XX/22 ) XXXX ( XX/XX/22 & XX/XX/22 ) XXXX  XXXX ( XX/XX/22 ) XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Due to an XXXX data breach my personal identity was compromised and thus, stolen and use in a number of fraudulent ways. As a result, I have a large number of fraudulent accounts being negatively reported the three primary credit reporting agencies. I have done nearly everything in my power to have the information removed and/or corrected on my credit report. However, the big businesses ( Experian, XXXX and XXXX ) have totally ignored the law as it relates to their responsibility to ensure that the federal laws are being followed when reporting consumers information. Much of what they are reporting on my behalf is either totally wrong, fraudulent or a violation of federal law that clearly indicate what can be reported and how it should be reported. After, numerous attempts to have the above agencies correct all that is in error on my credit report they have refused to follow the federal laws that govern how they do business. Thus, leaving me and my family in a unjust situation when it comes to living the American Dream. My request is that the credit agencies investigate as they should and not just return a response of account validated. Given the fact that once your identity has been stolen or compromised the individuals committing the fraud has all of your information. Therefore, the account may appear to be valid. However, if they do not validate my personal signature and present a signed contract, they have no way of truly validating the said information. Therefore, I humbly request that you assure that the credit reporting agencies are providing the fairest service that will ensure that my credit file is being report correctly without the said fraudulent information and ignorance of federal law. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
XXXX XX/XX/22 four XXXX were taken out of account. XXXX, XXXX, XXXX. Bank claims I approved transaction. I did not approve. Bank said I had a right to see emails they used to take the money. They refuse to send these emails. Have gone to closest branch, talked to fraud dept, always say will send within 10 days. Nothing. Have gone to bank at least 4 times. They will not give our money back and will not send the emails, which I never got or would have approved. Thank you

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 2023-06-13 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: ADP Inc.
State: NH

Complaint narrative:
Around XXXX I made a complaint about illegal ATM fees wisely ADP was charging me. ADP wisely is a payroll card merchant where I receive my funds for work as well as a debit card. When I made the complaint someone from compliance reached out to me and ultimately ended up refunding me for the last 90 days in the total amount of XXXX dollars even though I requested during the whole life since account was opened. What happened was I would use a atm get charged XXXX dollars for using the atm for that atms fee. then another XXXX dollars for using an outside network by ADP wisely, and then another XXXX dollars if I entered the pin wrong. So a total of XXXX dollars per transaction was taking place on my hard earned money. I informed ADP wisely it goes against the electronic transfers act as well as it being a billing error 15 usc 1666B and they did a brief investigation and gave me a refund for the past 90 days. What followed after this a week later was a serious of calls and a email from wisely. They stated that I can not receive incoming withdrawals from XXXX XXXX XXXX XXXX  I asked why I was not given a very solid reasoning to this and if I continue to do so they would close the account. I have had this account since XXXX and have been using XXXX, XXXX and XXXX XXXX since then for transfers from friends and family or etc but now it became a issue. I believe the company is taking adverse action against me for asserting my rights as a consumer. I tried to consult and was ignored and ultimately the account was closed on a day I was set to receive my direct deposit from work. I ended up being late on my rent and it took 3 business days before I saw the money and it was inconvenient. I still to date have not receive a lettter stating why it was closed so the company was not operating in good faith and it is very evident it was due to my complaint in may the account was closed on XX/XX/XXXX. I am writing CFPB to have this on record

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please look at the attached documents.

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 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  WA. I stayed there for roughly 21 nights in the month of XXXX XXXX On the final day of my stay, the front desk clerk informed me that they normally offer a prorated flat rate to guests who stay more than a week. Id been paying market price the entire time with the exception of one free night from XXXXXXXX XXXX  points allotment. When I asked if they could retroactively apply that rate, I was given a hard no. When I asked why I was not offered this prorated rate at any point over the course of 3 weeks, I was told by the manager that we dont have to. When I asked why they elected not to, the manager then began shrieking at me in about as rude a tone as I could imagine given that Id only asked 2 logical questions. By paying market price, when there was an option to pay a flat {$130.00} rate, I ended up paying roughly XXXX extra dollars per night for 3 weeks. Their phone number is 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 explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/ 2023 I attempted to deposit {$700.00} Dollars to my checking account at the ATM on XXXX XXXX XXXX. The ATM took my {$700.00} and did not credit my account. I have called 4 times now-once on the XXXX, once on the XXXX, once on the XXXX, and now again today on the XXXX. The first time the address was incorrect, the next time the address was incorrect. The last time they flat-out lied. I want my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I consumer XXXX XXXX reviewed a copy of my credit report and understand that National Credit Systems is violating my rights by trying to collect an alleged debt that they are trying to defame my character by placing it on my credit report. I will not continue to allow my right as a consumer to be violated. Under 15 USC 1692, I have laws that protect me as a consumer. This company has violated these laws and I am demanding a remedy and deletion of this account. 

15 usc 1692 a ( abusive practices 15 usc 1692b communication by post card 15 usc 1692 c communication 15 sc 1692d harrassment 15 usc 1692e false or misleading representations 15 usc 1692 f unfair practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My student loans are transferring from Great Lakes to Nelnet this month. My account is closed at Great Lakes as of XX/XX/XXXX. As of XX/XX/XXXX, I am still waiting to receive any communication from Nelnet about setting up an account there. I have reached out to Nelnet and not received a response. I have heard terrible things about Nelnet and am suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am XXXX XXXX XXXX XXXX that received the student debt relief and the debt has been removed off of my XXXX but, it is not being reflected/updated on TransUnion or XXXX. My overall debt is still showing and reflecting the student loan amounts. 

I was awarded the XXXX XX/XX/2023.

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 2023-06-13 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: TX

Complaint narrative:
I am XXXX XXXX  XXXX veteran that received the student debt relief and the debt has been removed off of my XXXX but, it is not being reflected/updated on XXXX or Equifax. My overall debt is still showing and reflecting the student loan amounts. 

I was awarded the XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I thought I made my minimum payment on my XXXX  Comenity card in XX/XX/2023. On XX/XX/XXXX, I got a notice from Comenity asking me to call them. I called and that is when I discovered that a payment was not made. My payment was 9 days late. On XX/XX/XXXX, I spoke to XXXX, supervisor, asking her to remove the late fee as I have never been late making a payment, Ive made multiple payment in the past and Ive never exceeded my credit limit. XXXX removed the {$29.00} late fee. I had to pay {$40.00} ( my min payment is {$35.00}. Due to late payment they required me to pay an additional {$5.00}. ) I was confused, asking WHY I needed to pay an additional {$5.00} when you removed the late fee? Their explanation is still confusing. 

Today, XX/XX/, I went to my account to make a payment EVEN THOUGH a payment is not due this month. There is a notice saying my account is past due and options may be available to get my account on track. I was confused about this notice as there is NO minimum payment due. When I called on XXXX XXXX XXXX  never informed me that additional payments were needed to get account up to date. 

I called today, XX/XX/XXXX, I had the displeasure of speaking to a RUDE rep, named XXXX. I asked to speak to a supervisor. XXXX assisted me. I asked WHY is there a message saying my account is in past due status when a made a payment? He says the system has not been updated and Comenity bank is reporting that my account was past due. I said, once i took care of the matter and the late fee was removed, my account is no longer in past due status. Plus, your account has to be 30 days late or more for a bank to correctly report to credit bureaus that your account is in past due. My payment was 9 days late, ONLY because I thought I already made a payment. It happens! Ive never missed a payment prior to thinking I ALREADY made a payment in XXXX! 

Ive had another issue with Comenity in XXXX of this year when I was making a purchase using my XXXX XXXX The card was declined. I called Comenity and was told that my card had NOT ben activated when I had been using my card for several months prior to trying to use it to make a purchase. AND Ive made payments to the account before XXXX. And I Ive made several transactions on my account when they claimed my card WAS NOT ACTIVATED. The representative nor the supervisor could explain WHY their system said my card was not activated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In XXXX of this year, I purchased a 2023 XXXX XXXX from XXXX XXXX. I applied with the credit manager for the loan. I gave him my correct social security number, if it was incorrect I would not be able to purchase the car. I had to call XXXX XXXX about my payments, when they asked for my social security number to verify my information they would say, incorrect social security number. Yesterday 2 customer service agents I spoke with, one was XXXX XXXX. She mentioned to me that the XXXX XXXX from XXXX XXXX, which was sent over by them to XXXX XXXX had another social security number. 
Yesterday I spoke to a total of 3 agents from XXXX XXXX. Each one told me that my social security number didn't match what I was giving them. XXXX XXXX told me I had to print a form from https : //ww.ssa.gov/forms/ssa-89.pdf. I printed the form, filled it out, and then went straight to the dealership XXXX XXXX. XXXX gave me a copy of my credit application, which I will submit. As you will see, my social security number on the application is the CORRECT ONE!!! XXXX XXXX someone has done something shady and they think I am XXXX!! I want to get an attorney and sue them for the problem they have caused me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I disputed a collection agency account that was not mine but reporting on my XXXX XXXX file CCS Collections reported on XX/XX/2023 original creditor - XXXX  {$59.00} unpaid balance This was the claim by this company that I never heard of I disputed this as not mine fraud account XXXX claims they verified this account as mine but never offered any supporting documentation to prove this as factual data

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX. I recently noticed unusual activity on my credit report. Someone tried getting a car in there name and applying for multiple loans. also multiple accounts are on XXXX that I have no idea about they don't reflect on any other credit beura. multiple additional inquires include XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CUSTOMER XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported on my report there are accounts that do not belong to me that i have no knowledge off such as 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  THANK YOU HAVE A BLESSED AND HEALTHY FUTURE

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 2023-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$4500.00} XX/XX/2019 XXXX XXXX XXXX - XX/XX/2019 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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