vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Credit Bureaus report addresses that do not belong to me. Some addresses are of employers and family but I do not live at these addresses. I've already been a victim of id theft and having addresses that aren't mine makes it harder for me to verify myself without a report in front of me. 

I've disputed with the bureaus but they tell me to contact the furnisher. I can not request a furnisher to remove/update addresses for me if I am not a customer nor account holder with them. 

Hopefully CFPB can assist in correcting my file and getting these addresses 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 2022-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I see that these accounts are adversely affecting my credit report and costing me thousands of dollars in investment every year. I sent a letter to contact these inaccuracies on XXXX This is not a regular dispute at all. I have filed a complaint with ftc and XXXX XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed now. I will not wait another 50 plus days to receive no response. I see that most of these companies are ignoring me. Section 611 simply states failure to investigate these items within 30 days gives reason to immediately remove disputed items from my credit report. It has been over 50 days so please remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank offered a promotion if a checking account was opened, so much was spent within a specified time on the debit card attached to the checking account, and qualifying bill payments were made out of the account. The promotional offer was XXXX miles on XXXX XXXX. When all of the conditions were met, Citibank claims that the automatic bill payments were not made -- which is factually false -- and now refuses to credit the bonus miles.

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 2022-04-29 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
Re : Navient Account XXXX Dates : XXXX XXXX, XXXX XXXX, XXXX XXXX Dear Sir/a'am : Last year, I submitted a certified letter to XXXX, XXXX and XXXX to notify them of gross inaccuracies on my credit report. I filed a dispute against Navient because Navient reported 60, 90, and 120 day late payments in XXXX, when the payment was not as late. For example, the payment was received in XX/XX/XXXX, but the following month ( 30 days later ) they said my payment was 60 days late. This is erroneous and mathmatically incorrect. The investigation was speedy, instead of thorough. I also filed additional disputed online for the same issue, due to failure to be resolved. Unfortunately, I never received a copy of my results of the investigations on how they came to the conclusion to keep errors on my credit report. Their errors have impacted my ability to purchase a home for my family. Please, help!!!!! I have attached the file for your review. Please review carefully to see the error. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, 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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX. XXXX ACCT XXXX XXXX, Has violated my rights XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.C.S 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions

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 2022-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-29 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: FL

Complaint narrative:
I have never opened a XXXX Credit card with XXXX  bank ending in XXXX. I am in the process of disputing this account from my credit reports opened in my name in XXXX and XXXX. The XXXX account shows it was closed and the XXXX account shows it is still active and open. I have been out of the country for over 6 years and never shop at XXXX. Their fraud dept sent me a letter and I am very concerned because this is ruining my credit & the balance is very high. Please help me remove this from my credit history. The credit bureaus advised me to file a fraud complaint with the FTC regarding any fraudulent accounts opened in my name. The second account is XXXX XXXX and XXXX which I never opened with high balances that were put into collections.

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 2022-04-29 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: FL

Complaint narrative:
I have never opened a XXXX Credit card with XXXX XXXX ending in XXXX. I am in the process of disputing this account from my credit reports opened in my name in XXXX and XXXX. The XXXX account shows it was closed and the XXXX account shows it is still active and open. I have been out of the country for over 6 years and never shop at XXXX. Their fraud dept sent me a letter and I am very concerned because this is ruining my credit & the balance is very high. Please help me remove this from my credit history. The credit bureaus advised me to file a fraud complaint with the FTC regarding any fraudulent accounts opened in my name. The second account is XXXX XXXX  and XXXX which I never opened with high balances that were put into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have never opened a XXXX Credit card with synchrony bank ending in XXXX. I am in the process of disputing this account from my credit reports opened in my name in XXXX and XXXX. The XXXX account shows it was closed and the XXXX account shows it is still active and open. I have been out of the country for over 6 years and never shop at XXXX. Their fraud dept sent me a letter and I am very concerned because this is ruining my credit & the balance is very high. Please help me remove this from my credit history. The credit bureaus advised me to file a fraud complaint with the FTC regarding any fraudulent accounts opened in my name. The second account is XXXX XXXX  and XXXX which I never opened with high balances that were put into collections.

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 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts below, have 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 an account without my written instructions. 

Accounts are below : XXXX XXXX : XXXX Amount {$94.00} XXXX  XXXX Acct # : XXXX Amount {$2400.00} XXXX XXXX Acct # : XXXX Amount {$2300.00} XXXX XXXX Acct # : XXXX Amount {$400.00}

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 2022-04-29 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: NC

Complaint narrative:
Equifax has re-inserted years old fraudulent information/accounts. Accounts that have been disputed and removed are now reappearing without warning or new correspondence.

According to 15 U.S. Code 1681i ( a ) ( 5 ) ( b ) ( ii ) -the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion I checked my report around XX/XX/2022 and seen the accounts reappear. I haven't received any information of accounts being reinserting in my file. Today is XX/XX/2022. 

I am sending them dispute documents, FTC Report, and the police report for these accounts. These accounts are result of ID Theft and need to be removed promptly. They are currently violating multiple FCRA regulations as well as failing to actively investigate disputes containing legal documents. I only get automated responses. Good luck getting justice with this Bureau, hope the CFPB can assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX I have a auto loan with this lender During Covid I lost my job but I was still making payments I miss too payments I I tried to reach out to them to let them know I am falling behind if they could give me an extension However, they took the car without any notice know letter when I call them they told me they try to reach out to me. I got the car back within a week I try to dispute the 3 late payments and the Repossession they have on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: U.S. BANCORP
State: CA

Complaint narrative:
I paid ( via Banks Bill Pay ) {$150.00} from my Opus Bank ( Pacific Premier ) checking account ending XXXX to XXXX 's credit card ending XXXX. This amount of money is stolen by Opus Bank ( Pacific Premier ) or the XXXX Credit card company and it is missing for ever, no where to be found. I called Opus Bank ( Pacific Premier ) and XXXX, they provided no help. Both are run by hardened criminals and bandits, who are engaged in Electronic Fund Transfer Fraud & Wire 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 non-monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2022, I attempted to buy an item from an online vendor. As part of the checkout process, I submitted a {$500.00} payment via Venmo. As it turns out, the website was part of a very sophisticated scam. 

Upon realizing that the website was essentially fake, I reported the scam to Venmo. For its part, Venmo escalated the case, but was unable to reverse the payment due to company policy. 

Therein lies the problem : ( 1. ) What steps has Venmo taken to prevent this type of fraud? 
( 2. ) How many customers must be victimized until fraudulent accounts are barred? 

As far as I'm concerned, Venmo is complicit in this scheme if others had filed complaints, yet nothing was done to protect users like me from fraudulent activity. 

From my prospective, Venmo could benefit from increased CFPB oversight to prevent " loopholes '' and protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In late XXXX, someone hacked into my XXXX account and bought some grills and air fryers, totaling about {$650.00}. I called both XXXX and Bank of America. XXXX noted that the XXXX addresses were not those which I had used before, and blocked them, and agreed that I did not make the transactions, nor did I receive the grills that were purchased using my card. Bank of America and XXXX discussed the issue further, to my understanding, where they declined my refund. Bank of America said it was up to XXXX to resolve, and XXXX said it was left to Bank of America to refund me. I reopened the investigation a month ago and was promised a call back within a week or XXXX weeks or so, and I have not heard anything back. XXXX agreed that I did not make the transactions, so how I was declined my refund, I don't know. I also never received notes from the investigation that lead them to believe that I was at fault.

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 2022-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I added a new bank account to the auto pay of my Amex XXXX XXXX everyday card on XX/XX/2022. They didn't proceed my payment and hit me with a late fee. I used online chat and made a one time payment and they waived my late fee. A few days later I was hit with an interest charge. Used online chat again. After a few confusing rounds they told me they couldn't waive the payment. Reason being that they already waived the late fee. They also admitted that the app and auto pay features was a " work-in-progress ''. That led to the fees and the waste of time trying to resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OK

Complaint narrative:
I was at the end of my 2-year contract with XXXX XXXX , I told them I didn't want to commit to another contract, I would pay month by month, since i had them for a while already, after one month they told me I must sign a contract. I refused and returned their equipment in the box they sent me. It took six months for them to remove that from the bill, I was willing to pay one month 's usage, but refused to pay an earlier contract fee. My 2-year contract ended 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 2022-04-29 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 noticed that my federal direct loans are listed as having a grace period from XX/XX/XXXX until XX/XX/XXXX. Since the maximum forbearance length is 3 years total, and I was not enrolled in school and I was not in default during that time, I would like to know if Nelnet possibly has inaccurate information on file for those loans which could affect my length of repayment towards Income Based Repayment ( IBR ). The code they are using for grace period is associated with a 6 month period of time between repayment statuses so it doesn't make sense at all that I was in forbearance for 6 years and 3 months. 

I emailed and spoke to a customer service representative at Nelnet, who said they " had never seen that before '' and that it " should '' be counted towards the 25 years of payments for loan forgiveness, however he could not confirm that this was the case after over 1.5 hours on the call. I am concerned that Nelnet mishandled my payment records and that I will potentially lose out on 75 months of qualifying payments towards my 25 year cap for student loans on IBR payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: WY

Complaint narrative:
On XX/XX/2021 was contacted by Wakefield and associates about a debt that was supposedly ours. I then sent a debt validation letter on XX/XX/2021 to them which they received XX/XX/2021 to which they never responded. They never stopped collection attempts. They just garnished my husband 's check on said debt they never validated. They also never informed us of any garnishment orders before they just did this. The fact this company thinks they're above a federal law is scary to say the least!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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:
SEVERAL WEEKS AGO I PRESENT A FRAUD PROBLEM TO MY BANK ACCOUNTS FRAUD DONE WITH THE DEBIT CARDS CARDS THAT I NEVER HAD IN MY POSSESSION, OF HER I ONLY HAD ONE I CUMUNIQUED ME WITH THE BANK AND I LET THEM KNOW ABOUT THE FRAUD AND ALL THE TRANSACTIONS MADE WITHOUT ME CONCENT, THEY STARTED AN INVETIGATION AND THEY ONLY TOLD ME IN 10 DAYS OF INVESTIGATION THAT THEY COULD NOT RECOVER THE MONEY, THEN AS WHO AM I THAT IS LOSING ALL MY MONEY AND THE ACCOUNTS IN NEGATIVE, FRAUD FOR MORE THAN XXXXXXXX XXXX DOLLARS, THAT RESPONSE TO A CUSTOMER THEY DIDN'T WANT TO RESOLVE ME THEY DON'T HAVE CUSTOMER PROTECTION, I MADE SEVERAL CLAIMS AND I ALWAYS KEEP UP TO DATE AND CALLED TO KNOW ABOUT MY CLAIMS BECAUSE I DIDN'T GET A LOT OF CONFUSION EVERY TIME I CALLED THEY ASKED ME THE SAME QUESTIONS AND THEY DIDN'T KNOW HOW TO ANSWER THEM, I NEED HELP TO RECOVER MY MONEY SINCE WELLS FARGO DOES NOT WANT TO RESOLVE.

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