vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-24 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: Nelnet, Inc.
State: AZ

Complaint narrative:
On XX/XX/2021 I sent a certified letter requesting compliance by Great Lakes Educational Loan Services Inc. to provide me the original instrument of Indebtedness for the following accounts : XXXX XXXX XXXX. I asked that they provide me documentation showing a wet ink signature ; which I did not recieve. I re-sent the request on XX/XX/2021 and as part of their response, I received a statement saying that a digital signature was acceptable ( see attached ). I disagree and ask that I be provided a promisary note bearing my signed, wet ink signature as asked and as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I tried to withdraw cash from Bank of America 's ATM on XX/XX/XXXX evening. 
After I put the amount of cash, the screeen frozed. 
I taped many times to fix it but the machine never responded so I gave up to get money and just left the site. 
I believed that there was no transaction at all but I checked my account later, there was transaction for that!!! Where is my money!! 
The amount is {$900.00} so I called Bank of America to craim dispute. 
I was sure that I could get money back but they denied my craim!! so I did second claim but again they denied and I did one more time but it was denied. 
What kind of investigate did they do? 
I asked them to check the security camera so I am confident that I didn't receive {$900.00}. 
This is not fair. I feel like they stole my money. 
I can't give up that so until they give me money back I want to fight.

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 2021-06-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I submitted 2 letters two Experian advising their reporting a collections account that is not mine. It is over 30 days and still no response of verification. 

Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection

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 2021-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Insurance paid A portion of the bill. XXXX  came in and paid a portion of the bill I was still left with {$8000.00}. I asked for a settlement and they told me they couldnt give me a settlement so Ive been paying {$530.00} a month so my credit wont be affected

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/21 I attempted to transfer {$9200.00} from PayPal into my connected bank account. I got a message that my account was frozen, and that my money might be held for " up to 180 days. '' There was no warning prior to this. To my knowledge I violated no policies. When I immediately started a chat with PayPal support, they said they couldn't tell me why my money was held or when it would be released. Subsequent phone conversations on XX/XX/21, XX/XX/21, and XX/XX/21 with PayPal staff yielded no more information. Meanwhile, I have had zero charge backs or complaints against me. Before this, I have successfully completed tens of thousands of dollars in transactions via PayPal over the past 12 years. 
I need my {$9200.00} released.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
This collection agency is listing this as an open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This amount {$360.00} from XXXX XXXX was charged off XXXX. It is now being reported by Transworld Systems as of XX/XX/2021 with age of account 9 months old! This is ILLEGAL to reage an account. This caused my credit score to drop significantly from all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, XXXX XXXX has had my sensitive information exposed in the XXXX  Data Breach in XXXX and XXXX  Breach in XXXX. Information such as my social security number address and financial accounts and I fear that this information may have ended up in the wrong hands. I have sent multiple letters disputing these in accurate accounts on my consumer reports and I have not received any response. I feel like I am being taken advantage of and these companies are not providing fairness and accuracy as it states in 15 USC 1681a ( 4 ). My last correspondence were sent using U.S. Certified mail # XXXX to Transunion

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 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I, XXXX XXXX has had my sensitive information exposed in the XXXX  Data Breach in XXXX and Equifax Breach in XXXX. Information such as my social security number address and financial accounts and I fear that this information may have ended up in the wrong hands. I have sent multiple letters disputing these in accurate accounts on my consumer reports and I have not received any response. I feel like I am being taken advantage of and these companies are not providing fairness and accuracy as it states in 15 USC 1681a ( 4 ). My last correspondence were sent using U.S. Certified mail # XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I did not discover a fraudulent check on my account until just after 90 days. I contacted the bank immediately, shut down my account, did everything they asked of me. Even with over 20 years of experience with multiple Chase Bank accounts, they refused to refund the amount ( {$1500.00} ) without even investigating the fraud, because it was beyond their contract terms. This is fraud, and should be investigated, at the least! They cashed a clearly altered check, but refuse to do anything to help me. This is a devastating amount of money for me, and the check was for my mother 's nursing home for her monthly care. Someone intercepted the check, erased my info, wrote in their own ( very different handwriting ). This short time limit is a ridiculous policy by the bank which clearly harms me, the customer/consumer, leaving me with not enough protection from my banking intuition. Their should not be a time limit on fraud. What if someone is sick in the hospital, and multiple checks are fraudulently cashed? There are many situations where 30, 60, 90 days can go by without being able to check every debit. I was recovering from illness, and like many others, was going through a stressful time in early 2021, so I did not catch this fraud in time. My mom 's nursing home also did not specify that they were missing funds until too late, which is when I checked my account and found the fraud. And what about my spotless record with this bank for over 20 years, and they can not make a single exception for their customer? The bank should have better fraud detections, when they know that there is so much fraud. How can they offer a product, like checks, tell you to use them, then offer not enough protection? I am finally making the switch to a credit union, as Chase Bank and all the others like them are just evil entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Im unable to login to my account to make payments or login at all their system doesnt recognize my infria ruin when trying to reset my username or password horribke and I want a credit line increase they never give me one Ive been loyal for years their system doesnt see this and I want contactless technology on the car tap pay and the gas pump stations should add it as bp this should become 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 explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Total Card, Inc.
State: CA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with total visa. I paid this account in full and closed it with a representative on the phone. A few days after total visa billed me for a annual fee knowing that the account was closed and never used since the date it was closed.This violates my right as a consumer and is an unfair practice pursuant to 15 usc 1692f. Total visa continues to bill me violating my rights as a federally protected consumer.Total Visa is in violation to FCRA, FDCPA, and TRUTH AND LENDING ACT. Dispite the federal laws Total Visa continue to negatively impact on my consumer credit report.

I did not give Total Visa DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ). Furthermore, Total Visa has been in receipt of my certified letter containing a affidavit of truth, cease and decease, a debt validation and a invoice for payment. Its has been more than 30 day with no response which means they have defaulted my affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bliksum, LLC
State: WI

Complaint narrative:
This is tied to complaint : XXXX and XXXX The CLOSED and PAID XXXX XXXX account of XXXX was sold of to XXXX XXXX XXXX, who also DBA XXXX XXXX XXXX. 
This company wrong presented a paid debt settled with LoanMe as a NEW debt and Charge Off reported as XX/XX/2021. The phone number this company had on record from LoanMe was disconnected ( according to the LoanMe rep ) and the mail at their previous address of record returned. XXXX XXXX XXXX, XXXX, FL XXXX seems to be the only place to contact them. 

Once again, they not only reported a PAID DEBT as a NEW CHARGE OFF, they claimed that it happened in XXXX of XXXX. Lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
I had an extended warranty that I canceled when i traded in a vehicle that I had financed through Santander. Once the loan was paid off in full The warranty company canceled it properly sent the refund check in the amount of {$1400.00} to the dealership who then sent the check to Santander on XX/XX/21. I submitted a ticket with the executive office on XX/XX/21 and gave them all of my accounts info in addition to a copy of the check and ledger that the dealership wrote to Santander with amounts and dates and check numbers who at first told me they never received any check from the dealership, then a few days later they told me that that The dealership mailed it to the wrong address and that the accounting team cant find it. Only after that conversation was it brought to my attention by the dealership and their bank that Santander had in fact not only recognized but had actually cashed the check on XX/XX/21. Santander then requested that I send them a copy of the back of the cashed check in order to verify this info. Santander has my money and has had it for weeks and is willfully withholding it from me and is attempting to pretend like they cant find it. 

Attached will be a copy of the check info as well as a statement from the dealerships bank showing that the check had been cashed and money withdrawn from their account on XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of Identity theft. I did not make these these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In the past years I have filed bankruptcy and was a victim of identity theft to the highest degree from my personal information and banking. I had to close 2 checking accounts because the thieves ran fraudulent checks using fake information and my social security number which my retirement pension deposit was and the funds were gone. In order to protect my social Security Deposit and my retirement I had to hold my deposits until a safe bank account could be opened. During the year and half my phone and computer were re encrypted so with the help of the phone service and WiFi with the cable company my old phone was monitored in the effort to report. My credit report is bad and will never recover. Are there any options available for recover. I have paid for all credit agencies to protect and report to no avail. Today I received another letter of denial from my bank for a small loan for less than XXXX $ All the money was to be deposited back in to my bank account. Some of the loan funds were for over XXXX $ in overdraft fees both of my retirement funds and social security are directly deposited each month thank you for your help and time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not conXXXX 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 XXXXtinue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I received notice from my credit monitoring service that this company negatively impacted my credit with a debt Im not liable for from an institution I have not had a relationship with in over a decade. Im XXXX and receive SSD as my only source income. Nevertheless the debt is not mine and Im not liable for this fraudulent charge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: MO

Complaint narrative:
Upon checking my credit report after XXXX yrs of XXXX  I find there's alot of unauthorized fraudulent accounts appearing on my report, I'm demanding that these accounts be removed immediately.. 

1. Missouri XXXX XXXX XXXX {$7800.00} 2. XXXX XXXX  3. XXXX XXXX Co {$1200.00} 4. XXXX {$2500.00} 5. XXXX {$1200.00} 6. XXXX XXXX XXXX {$170.00} 7. XXXX XXXX XXXX  {$110.00} 8. 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 2021-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX gave me a CareCredit brochure with a promotion to help pay for some XXXX. I was not told at the time what would happen at the end of the promotion period. Applied and got the Credit Card. Paid for some of the XXXX with the card. made the Payments and when I got close to the end of the promotion I though the balance had been transferred to another credit card account with a 4 % interest rate. Yet no transfer happened. My payments were still being made though and at no time did I fail to make payments. Autodrafted! In XXXX I got a notice that my card had been charged over {$4000.00} for past interest! I had no idea that would happen. I assumed like regular credit cards it would go to a high interest rate on the remainder of the balance. NOT be charged for the promotional period. I called the Dr. office to find out why they promoted this company! I told them what had happened and they claim to have no idea that this practice of charging the accumulated interest was possible. They, like me, thought the remaining balance would be charged the ultra high interest rate 26.999 %. NOT retroactive. I paid the balance of what I owed for the original amount. And I have paid {$720.00} as well. I called and wanted to find out what I could do about that charge. They just said sorry. This is unacceptable. I pay my bills but this is robbery,.

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 2021-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Care Credit. A letter was sent to the credit bureau 's informing them that they don't have My permission to report on my consumer credit report. Care Credit closed my account with no formal letter explaining why.This violates my right as a consumer and is an unfair practice pursuant to 15 usc 1692f. This is all so an adverse act pursuant to 15 usc 1681m-Adverse Action and they are in violation to FCRA, FDCPA, and TRUTH AND LENDING ACT. This has negatively impacted my credit score.

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 2021-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
On XX/XX/XXXX I opened a checking account on Chase Bank in XXXX XXXX XXXX  XXXX in XXXX Rhode Island. Aproximatedly one week later I received the ATM card. When I tried to pay with the Debit card it didn't go through and at the ATM machine I got a Restricted funds message. I received a letter from the bank saying that I needed to verify the Social Security Number. On XX/XX/XXXX in the morning I went to Chase Bank and completed the Social Security verification process and was told that I would have access to the money on that afternoon after 3 PM. However, today on the XXXX of XXXX XXXX XXXXays after I still don't have access to the funds deposited. But also yesterday I check my account on the Internet and there is no balance. Also the retirement appears as a Debit Check Charge when I have not have access to my account. I wrote to the Branch Manager and he said the they had to take the money out what I find very irregular to do that without my consent, however he told me they would be available today and they weren't, the account balance is still XXXX dollars as evidence by the photo attached. It has been more than two weeks that i opened the account and deposited all the money I had, I am a student and depend on that money for my needs and I can't still access my mone. This is abusive.

Company response to consumer: Closed with non-monetary relief