vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 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: OH

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2023-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: AES/PHEAA
State: NJ

Complaint narrative:
We filed for bankruptcy with about XXXX in student debt in my name. Despite payments being built into the bankruptcy plan and the fact that we fulfilled all of our payments my student loans increased by over XXXX to XXXX owed. 

I don't understand how this is fair at all. The reason we were in bankruptcy was to afford to pay off our debt. We paid about XXXX in total debt off during the course of the 5 year bankruptcy payment plan but then I got stuck with the same amount anyway. 

That can not be fair, can it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete 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 explanation
Consumer complaint received 2023-10-04 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are not mine, I do not want them on my credit report, I need them to delete them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are not mine, I do not want them on my credit report, I need them to delete them.

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 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Ive had a Bread Cash Back Amex credit card for about four months. Aside from their many website glitches and outages, the more important issue is their assumption that there was fraud on my fraudless account ; therefore, my card was locked three times, and unlocked twice. After three phone calls and one snail mail letter, my rectifying efforts resulted in them constantly kicking the can down the road. I was told of ongoing investigations, prompted by them, not me. 

The last communication from them ( via snail mail letter ) asked me to call them within 30 days, or the account would be closed. I called immediately after receiving the letter. Again, the can was kicked, pending further investigation. I told them to close the account, then added that they earned their many negative online reviews ( one site posts 73 % negatives ). 

I have a second fraudless Bread credit card under investigation, which is about to cheat me out of {$50.00} cash back. I was {$17.00} short of earning it, and then it was locked. I expect this account to undergo the same scenario as the aforementioned. 

I assume that Bread is using this tactic to claw back any earned cash rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: NC

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 XXXX years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: NC

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. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 XXXX 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 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
account continues to become compromised beginning in 2015 after attempted wire transfer from this credit card to a NY address. Bank transferred my account to Barclay. have had several problems of not being able to use card, have been told by customer service I am not making payments on my statements. While I have paid all accounts owned for credit cards in full every month. When asked to speak with fraud dept they stated there is no one to speak with, I just need to make more payments. Have had charges of $ XXXX {$3.00} charged to card, that I did not make, reported to card company, and reissued new card. When I logged on to account, it will state I have new cards to activate, yet I had not requested any and have the card in my possession. To date account problems unresolved and no investigations initiated.

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 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank closed my personal checking account at the beginning of XXXX ( XXXX or XXXX XXXX ) without the details reason provided. When I was called their backdoor customer service agent at first, I was told that I will receive the refund check of remaining balance in XXXX calendar days ( or say XXXX business days ). There is nothing shown at the date they suggested. Then the above progress repeated when I called them, they said XXXX more week, still nothing received. When the last time I called them, they told me there is no exactly time frame for the refund this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: National Collection Systems, Inc.
State: TX

Complaint narrative:
Last semester I failed in college, I made appeals, I talked to my advisors and I received a letter that I owe around {$6000.00} and I don't understand why I didn't receive any notice before and it's unfair. I am poor, I don't have a job and I have tried to do everything possible and look for solutions but I don't understand why this letter charges me so much if I have filled out the Fafsa and been on time.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
CREDIT CONTROL CORPORATION has listed a debt twice affecting my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: HI

Complaint narrative:
I received electronic communication from Nelnet on XX/XX/XXXX  that I had been approved for the SAVE program, which stated that my payments would be {$0.00}. In attempts to keep my account from accruing interest under the SAVE plan, I wanted to start making payments and enroll in auto-pay to take advantage of the lower interest rate. Instead, I found that my account has been placed in Administrative Forbearance, with no notice from Nelnet and no explanation as to why. 

I attempted to contact Nelnet on XX/XX/XXXX  and XX/XX/XXXX  via email on the web site, as I have done with past communications, but have not received a reply other than an auto reply telling me to look at the FAQs for my answer or to call. 

Many others in my position say they spend hours on hold only to get a response from customer service that they dont know why theyve been placed in administrative forbearance or whether or not the interest accruing on their balance will be waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: NJ

Complaint narrative:
THESE ACCOUNTS IS NOT MINEEEEE. 

XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX I NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
THESE ACCOUNTS IS NOT MINEEEEE. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX I NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-10-04 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: GA

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. 

Account Name : XXXX XXXX Account NumbeXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
On XX/XX/2023, I transferred XXXX XXXX  to my personal bank account in XXXX through Western Union Bank. This was my first time making such a transaction. During the process, I received a receipt that included a non-transaction fee. According to their promotion, new customers should not be charged additional fees. However, after completing the transfer, I noticed a reduced rebate on my account. I need your help to solve this problem. 

My Transaction Tracking number ( MTCN ) is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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 am writing this with the utmost urgency to draw your attention to a matter of the presence of fraudulent accounts, personal information and unauthorized inquiries associated with my identity. Upon a thorough review, I have noticed that certain accounts and transactions have been inaccurately attributed to me, without my consent. This has left me profoundly distressed and deeply concerned. I am a victim of 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 2023-10-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
In 2022 the issuer of old XXXX credit card changed from XXXX bank ( visa ) to XXXX bank ( master ). They did this without giving me any prior notice that my credit card account would be changed to a new one and did not give me in time to prepare to change my auto payments on the XXXX card. I had auto payments set up on the XXXX card to pay for the land rent of my house. I received the new master card on XX/XX/2022 and I was still oblivious of the details, partly due to my language barrier. I assuming that the account number was still the same. In beginning of XXXX my land lord called me that the payment did not go through on the XXXX card. So I have to try the new master card. It went through. But at that point I have already spent the money in my check account that was supposed to pay for the rent. Thus this change of card without any prior notice has had, and continue to have a huge financial toll on both my family and I. My XXXX XXXX dropped from XXXX to XXXX. Right now I owe old navy {$3300.00}.

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 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Credit Service Company
State: NH

Complaint narrative:
XXXX I don't understand what Medicaid 's not paying this bill I don't have the money right now to pay it Medicaid should have paid for it not me

Company response to consumer: Untimely response
Consumer complaint received 2023-10-04 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I got a new home. The loan did not start until XXXX. My loan was sold to another debt collector, so I setup autopayment in XXXX. My first payment did not go trough for XXXX. I spoke and they said no worries, just make a manual payment for XXXX. I did on XXXX and said maybe your loan autopayment won't work so you'll need to setup another payment. I went to verify the next week and my balance was at {$0.00} due. In the month of XXXX, I receive a call from their debt collector asking why I haven't paid. I explained them my story and issues. She goes and checks my account and see 's I have a {$0.00} balance and says never mind I do see that. I'm not sure why you were on my list. I checked on XXXX to confirm I wasn't late and again saw {$0.00}. Then when I went to check on XXXX, I saw I had a balance for the two months of XXXX and XXXX. I tried to make sure I was up to date and was told multiple times. Now I have a late delinquency and double the mortgage to pay based off their mistake. I was on hold for hours and was told no resolution. To just pay the full amount.

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