vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I paid a settlement amount to CareCredit for {$2500.00} to Synchrony Bank ( Reference number : XXXX ). Synchrony had previously listed the debt as a " charge off '', which is a negative status on the Credit Bureau Reports. I contacted the XXXX Credit Bureaus and they each said that Synchrony reported the settlement as paid in full but retained the charge off in the update as " paid settlement/charge off ''. The Credit Bureaus said that Synchrony has to remove the charge off and just list the status as paid in full settlement. When I spoke to Synchrony today, they refused to make the change, saying " it is not within the policy guidelines ''. This entry on all of my Credit Bureau reports, of there being a current charge off on my account is inaccurate and false. The previous negative status is " charged off '' the current status should be changed to " paid in full settlement '', which is a positive status. You will see in the settlement confirmation letter that the consumer report was only suppose to say " Account paid in full for less than the full balance ''. It was never supposed to include " charge off '' wording in the updated language on the consumer report, which is currently states.

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 2023-10-11 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: FL

Complaint narrative:
There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

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 2023-10-11 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: FL

Complaint narrative:
There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

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 2023-10-11 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: CA

Complaint narrative:
I submitted a completed application for the XXXX repayment plan on XX/XX/2023. By XX/XX/2023, Nelnet had still not approved the application, citing high application volumes. However, my loans started accruing interest that that time. XXXX days later on XX/XX/2023 the interest has accrued to {$950.00}. 
Nelnet emailed me on XX/XX/2023 to inform me that my loans had been placed in forebearance while they reviewed my XXXX application. However, interest will continue to accrue while they wait to review the application! The email stated : During your forbearance, interest accrues on your outstanding principal balance. Youre responsible for the interest, but you have XXXX options : XXXX. Pay the accrued interest before your forbearance ends, or XXXX. Make no payments during the forbearance. The payment ( s ) made following the end of your forbearance will be applied to any unpaid accrued interest and then to your outstanding principal balance. 
Interest should not accrue beyond the principal balance once my XXXX application is accepted. By delaying the acceptance of my application, Nelnet is significantly increasing the amount for which I will ultilametly be responsible for repaying. I submitted the application with over XXXX months for them to approve it. High volumes should not be an excuse, or a way for them to charge me interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: TX

Complaint narrative:
On XX/XX/23 I received a phishing text supposedly from the XXXX about a package that needed to be redelivered ( I was waiting on something ) and there was a small fee for redelivery ) and not realizing it was phishing, entered my debit card information. 

Later that day, once I realized it was phishing, I reported my card number as compromised and had a new card sent. No unauthorized charges were made, so I thought I was safe. 

Then on XX/XX/23, XXXX unauthorized charges were taken of XXXX each, because the new card information was entered into the Wells Fargo digital wallet. 

I contacted Wells Fargo to report the charges as not something I authorized. and they then cancelled the replacement card ( which I had not received ) and sent another card ( the one I have now ) and began the process to investigate and get my money back. 

However, a few weeks later I received a letter stating that the claim was closed and I would not get my money reimbursed. I then contacted the claims department to dispute this, and try to give more information about what happened. They denied to reimburse me and escalated it to XXXX XXXX XXXX XXXX. 

I was contacted by an Escalations representative and again explained things. A week later I am told that I am not getting reimbursed as the claims department decision that " it looks like the charges were authorized '' is correct and there is nothing I can do to dispute this further.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX company is reporting false information this account was opened fraudulently XXXX and XXXX already removed this account from my credit report but they are still reporting to Transunion please remove this account from 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 non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My dad passed away XX/XX/XXXX. Insurance company cxld Ins and sent letter to them XX/XX/XXXX. Chase notified me XX/XX/XXXX that there was no insurance on house from XXXX. As soon as I was notified I got insurance. Chase is now backdating coverage and charging me for something I was never notified of. They backdated insurance policy to XX/XX/XXXX. They did this in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is violating my federally protected consumer rights and committing fraud.

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 2023-10-11 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: IL

Complaint narrative:
I have recently checked my credit report and noticed these accounts that do not belong to me. 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. 
Account name 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 had reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: IL

Complaint narrative:
I have recently checked my credit report and noticed these accounts that do not belong to me. 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. 
Account name : 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 had 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 2023-10-11 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: IL

Complaint narrative:
I am filing this complaint to the EQUIFAX. I sent them a letter and called them even regarding the alleged debt of the account reflected in my credit report wherein I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XXXX XXXX XXXX this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction. 
I have included my FTC report with the number XXXX as proof of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I noticed inquiries that I do not recognize and believe to be fraudulent. 

See below : -- -TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Ria Envia, LLC
State: NJ

Complaint narrative:
Ria transfer money this company are using to send money to my country. They usually deposit the money in less than an hour, but in this case they are telling me they gon na hold it for four days but when I made the deposit they did tell me it was going to take the longer.

Now they are saying if I cancel it can take 10 days to the refund my money even though I told them theres an emergence I dont understand why theyre holding in for so long when I always made the deposit through my bank now they say that I need to send it through my debit card to get it in less the one hour and he steal them more than me. They are getting is through my bank. No matter is a my debit card. I think they are holding the money for so many days so they can use my money to make more money because their rates change every date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: MOHELA
State: NC

Complaint narrative:
Applied {$4300.00} on XX/XX/XXXX in order to pay off ALL outstanding accrued interest. Only {$2700.00} was applied to the interest, {$1600.00} was applied to the principal. I have attempted to call MOHELA XXXX  times since the payment posted on XX/XX/XXXX. The wait times are ridiculous and when I did manage to get a live person to pick up on XX/XX/XXXX at XXXXXXXX XXXX. they said they could not hear me and HUNG UP. 

I can not get a live representative on the line to attempt to re-apply my onetime payment that is the FULL AMOUNT of my outstanding interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-10-11 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:
I am a victim of identity theft. I filed all the correct paperwork according to the FCRA and filed a FTC report. I submitted this all to the credit agencies and nothing has been done and the disputes I filed are not being filed correctly.

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 2023-10-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I received an American Express e-gift card for {$1000.00}. I have tried endlessly to use it. I tried to rent a XXXX  with it, XXXX XXXX, put it in my XXXX account and purchase goods from many retailers online. After the initial decline, I called .American Express and was told, yes, it was declined, but the card was good. So tried several more times to use it with it always being declined. I called again and was offered no help. I asked for a physical card to be sent and was denied. I asked to speak to a supervisor and was put on hold for almost an hour with no one ever answering. On XXXX XXXX I did make one purchase with XXXX for {$160.00}. That is the only time it went through and I am not sure it did go through. 

I am at my wits end about what to do. I have had this card for 8-9 months and still can not use it. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11 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: NV

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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: IL

Complaint narrative:
I have recently checked my credit report and noticed these accounts that do not belong to me. 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. 
Account name 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 had 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 2023-10-11 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: FL

Complaint narrative:
Please remove the unauthorized inquiries from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: VALLEY NATIONAL BANCORP
State: IL

Complaint narrative:
Valley Bank of XXXX issued a cashier 's check to me personally, in my name, in XXXX. The cashier 's check was lost before being cashed when I moved out of the State of XXXX in XXXX I contracted Valley Bank in XXXX  and XXXX multiple times, asking the bank to instruct me how to cancel the lost, uncashed, cashier 's check in the amount of {$30000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No one responded even though several banking representatives at the XXXX XXXX, XXXX and XXXX XXXX branches repeatedly promised they would research the issue and work to resolve it. Three weeks ago, in XXXX XXXX, I received a telephone call from an employee of Valley Bank, stating that if I did not cash the cashier 's check promptly, that Valley Bank was going to send the {$30000.00} to the State of XXXX  as unclaimed funds. I told the bank employee that I had been trying for well over a year to have the bank instructed on how to replace the expired and lost cashier 's check. This employees stated that he would research the solution to the issue and instruct me how to proceed to have the old, expired cashier 's check replaced. He never followed up on this promise. I spoke last week to XXXX at Valley Bank and the same promise with no call back or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief