vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Quick silver I have sent my DL and copy of my ssn in branch, faxed, uploaded everything since XXXX when I took out a auto loan with capital one and that started this mess. I am XXXX XXXX XXXX born in XXXX in XXXX of XXXX I did not receive a ssn until XXXX. This Quick Silver account was open XX/XX/XXXX partial acct # XXXX ... credit limit {$6300.00} with a balance of {$5700.00} I would have been XXXX XXXX XXXX and 10 years before even qualifying to have a ssn. I dispute and all capital one does is verify the amount and expect me to pay an account that's not mine. They have also shut down and restricted one of my Quicksilver credit cards because of this and blocked me from allowing me to make payments on my card though the years causing late payments when they somewhat get it together and allow me some access to make payments. My credit and when I banked with capital one, my bank info with them also got mixed together with this other customers ' I have been given access to her ( s ) account though out the years yet no one can understand its not me this other customers account is even in a different language.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XX/XX/23 transunion received a letter from me explaining and filing a complaint in regards to items that i deemed not to be mine. They have yet to respond and it feels as though they are taking my complaint lightly.

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 2023-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following accounts. Block and remove it immediately. 

The Bureaus Agency Name : XXXX $ XXXX {$870.00} Account # : XXXX OPEN : XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I opened a claim with Wells Fargo Bank, they keep giving me misleading inaccurate information. I called about 15 times in regards to my claim. And been told something different, from every claims rep. 1st time they closed my claim and told and i told them i had my receipt with supporting info. Then a supervisor reopened the claim and told me to email the supporting document. I email the document and then told i should have sent it pdf, after 11 days. As of today I resent the document as a pdf. They have been less than forthcoming and appears to be not helpful in my dispute. I requesting to speak to a member of management, as of yet haven't heard back. 

Claim # 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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have had an ongoing issue with Bank Of America ( BoA ) Bill Pay for over a month now. 

I opened a joint savings account for me and my wife to pay our credit cards with. Bank of America ( unlike all our other credit cards ) does not allow savings accounts for Bill Pay. I asked a BoA what I should do and she told me to add the savings account as a checking AND money market account on bill pay and the system would be fine. It turns out this was awful advice as it cause a fraud alert on the system ( trail deposits were rejected by my savings account as BoA had an account type mismatch ( calling it a checking/money-market when it was a savings account ). BoA has not disabled my Bill Pay and have prevented me from unlocking the Bill Pay. I am unable to add any new accounts to bill pay and I can not pay my credit card online or set up auto pay. Not allowing a customer to set up auto pay is a predatory process and BoA has offered no resolution on how to fix the issue. 
The only resolution I was given that could " possibly '' work is to send in a paper form ( or fax... who uses fax?! ) a voided check to prove account ownership. I can not send a voided check as this is a savings account... not a checking account which I told them over and over and over again. I sent documents proving proof of account ownership ( bank statement, direct deposit form, online banking screenshots ), but they stated they received nothing and it has been over a month since these documents were sent. 
They have no provided any verification that my online account will ever be unlocked and continually do not provide any assistance on fixing this issue. 

All I want to do is add the joint checking account to pay our credit card bills ... but BoA is making this impossible. 

They are requiring ANY new accounts to be added have to be mailed with a voided check to a random XXXX XXXX in Ohio... so i have to send my private account credentials to a XXXX XXXX in Ohio. They state I can still make payments over the phone ... which is not a simple and easy process and just makes paying my credit cards harder. 

They have made paying my credit cards a excruciating task and offer no assistance to fix anything. 

I have already sent them required documents and they have provided no resolution.

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 2023-10-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Fraudulent transaction occurred on my Kohls account form around {$250.00}. I called XX/XX/21 to report this information. The card was closed and I eventually received the credit, however it has been almost 6 weeks and I am still without a card. Every-time I call, they inform me that it has been cancelled and a replacement card has been sent. This has happened 3 pr 4 times. No one can tell my why It keeps getting cancelled or by who. It is not by me and I have informed them of this. It makes me VERY nervous to know what is happening w my information and why I can't get a card sent to me for my replacement. I asked one representative to close the account, because at this point I am unsure of how to protect my information. She told me I could not because there is a balance which is incorrect. They say they can't overnight a card, nor tell me what is happening w my information. This is terrible business and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: FL

Complaint narrative:
XX/XX/2023 I submitted a dispute regarding identity theft accounts that on my credit report I also reached out to the credit card companies for validation of debt and they have refused to do so. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. I have been researching and looking up my rights as a victim of identity theft and also as a consumer I am entitled to protection under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 they creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.

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 2023-10-31 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 am writing this dispute letter in correspondence with the Complaint ID XXXX that was recently closed. 

I don't understand why you are making it hard for me to request to remove these inquiries on my credit report. 

XXXX - XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been disputing this account for months and is still reporting inaccurate on my consumer report. Please see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: IN

Complaint narrative:
To whom it may concern, I would like to document a recurring issue I am having with my student loan servicer NELNET. I graduated in XXXX with the total original amount awarded {$150000.00} and to date {$140000.00} Paid Off. Yet my current balance remaining/owed is {$38000.00}. In the original payment plan that I applied for when I entered the graduate XXXX XXXX at the age of XXXX XXXX XXXX, my understanding is that I would have a total of 10 years or 120 payments. And there was no clear explanation that interest on my loans would be capitalized ( compound interest vs simple interest ). 
On several occasions over the years I have reached out to NELNET regarding different payment amount ( s ) due. One recent example is on XX/XX/XXXX my amount due was {$330.00}, then on XX/XX/XXXX my amount due was {$310.00}, and as of today 's date XX/XX/XXXX my amount due is {$530.00}. The mass fluctuations appear to be intentional and misleading in nature, an attempt on behalf of NELNET to practice predatory lending and provide misinformation. 
The offices at NELNET have taken over 45 days to process an income driven payment application ( submitted on XX/XX/XXXX and as of today 's date XX/XX/XXXX it is still processing ). This timeframe is not reasonable. Of note, I even have an IDR application dated XX/XX/XXXX that is still " in review '' which makes zero sense. 
Additionally, as per the federal department of education, payments were supposed to be readjusted by NELNET in a recount for borrowers. However NELNET has yet to inform me of what my readjusted payment count is, despite my previous complaint. I hope this can be resolved not only for me but for many student loan borrowers who have been misled and misinformed for too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: CA

Complaint narrative:
I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. I kindly request that you investigate and, if necessary, remove the following items from my credit report. 
-- -- -XXXX -- -- - XXXX XXXX -- -- -XXXX -- -- - XXXX XXXX -- -- -Equifax -- -- - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. I kindly request that you investigate and, if necessary, remove the following items from my credit report. 
-- -- -XXXX -- -- - XXXX XXXX -- -- -Experian -- -- - XXXX XXXX -- -- -XXXX -- -- - XXXX 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 2023-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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. 

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 has violated my rights . 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 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 2023-10-31 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: Experian Information Solutions Inc.
State: CA

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. 

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 has violated my rights . 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 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 2023-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MN

Complaint narrative:
I have been using CashApp to provide an intermediary for a friend who can not access her own account. She provides XXXX for the public and they pay her through my account. She is the sole earner in the family as her father is sick. 
CashApp was allowing transfer to her wallet until a few weeks ago when apparently a client complained and demanded her money back. Without explanation they completely suspended my account. I filed with the XXXX a few days later they reopened the account again with no explanation. Last week they stopped honoring the wallets again and only said they were not acceptable wallets ( had been used before ). Today they simply closed my account without explanation. I filled with XXXX. I feel that CashApp actions are arbitrary and capricious. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: TX

Complaint narrative:
The issue is a {$15.00} charge-off I was not notified about from this credit union, and when I was sent a letter it was about my credit card payment. 

XXXX XXXX XXXX email saying contact her XXXX XXXX XXXX XXXX XXXX XXXX about my 30 days late credit card XXXX XXXX -I made the payment immediately XX/XX/2023 of XXXX ( Have proof of payment amount sent ) -Letter of delayed payment sent to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX that was a mistake in payment XXXX XXXX ( collections XXXX ) removed XXXX XXXX -May XXXX Unexpected Charge-off on credit report, Never notified of this from the credit union, If I was notified, I would have XXXX XXXX payment because I am running a business and need the funding for my business to continue operating.

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 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: IA

Complaint narrative:
Last week i spoke to a rep regarding needing information that had my loan repayment amount and when the next annual review date would be so I could proceed with buying a house. I was not able to get the correct payment amount without the next annual review date. The rep was not able to access this information to me without submitting this as a correspondence letter. He said they are able to generate this as an email. He had not mentioned how long this would take. I contacted today, XX/XX/XXXX to follow up as I am signing a purchase agreement with a closing date of XX/XX/XXXX, that needs the annual review date they have given verbally over the phone. I waited 3 hours on the line and spoke to 3 supervisors that were not able to give me this information via email and said the letter would be reviewed to send in 7 weeks. We informed them about the closing date and the need for the letter. They have all the information and kept telling me my review date was XX/XX/XXXX and I asked if i could get a pdf scan of that page to submit while i wait for the letter and they said it has to go through a different company. I need this letter to close on a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CO

Complaint narrative:
The debt collection agency IC System Inc. has listed a collection of {$710.00} on my accounts with credit agencies including XXXX and XXXX. They claim to be collecting on behalf of XXXX XXXX, which seems to be a telecoms company offering XXXX internet and cable. 

I have never had a relationship with XXXX or XXXX XXXX. Indeed, I have not been a resident of the United States since XX/XX/, and I have certainly not had any telecommunications bills in that country since then.

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 2023-10-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I currently have some fraudulent accounts Appearing on 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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Illegal unauthorized fraudulent transactions and charges were allowed to all of my accounts in 2019

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 2023-10-31 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: GA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-31 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX continued to charge me with late fee after I returned a then known scammed piece of equipment that was supposed to help with my internet but never got a signal after several attempts after contacting XXXX technicians every month! I was finally told by Technician to return my device after 4 months of no service and no answer from XXXX technicians and customer service support. Upon returning device and payment paid in full I continued to keep getting billed thereafter for a 6 month period for service I never received without a device and late fees accumulated to Over {$560.00} which was turned over to credit bureau.

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