vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 : states I have the right to privacy.

15 USC 1681 Section 4 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Since XXXXXXXX XXXX  XXXX I have made {$16000.00} worth of payments on my Department of Education held loans from my XXXX years at XXXX XXXX XXXX  ( XXXX ) via my designated loan servicer, Nelnet. On XX/XX/XXXX I called Nelnet and requested refund of a {$7800.00} payments made made on XX/XX/XXXX, as provided for under the CARES Act. The Nelnet representative told me that my requested refund would be received within 4-6 weeks and that during that time frame my student loan balance would be updated. On XX/XX/XXXX, I called again, this time to request refunds of 3 payments of {$510.00} ( each ) made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Again, the Nelnet representative advised me that my requested refund would be received within 4-6 weeks and that during that time frame my student loan balance would be updated. They advised me to call back if refunds were not received within that timeframe. It has been 6 weeks from the first request and I have not received any refunds nor has my balance been updated to reflect any of the requested refund amounts. I called- as instructed previously by Nelnet- to check the status of my refunds and loan balance update, and was told that my refunds " were not even processing yet ''. When I asked for a date by which I *could* expect my refunds, the Nelnet representative stated they would take " two more months, but would be completed by some time in XXXX, by end of year ''. When pressed as to why the timeline of 4-6 weeks was given not once, but twice previously, and how the backlog could affects requests made in XXXX when there was no backlog at that time, the Nelnet representative stated the system is overloaded with requests and that processing time has increased. This is asinine for multiple reasons, but most significantly because this will prevent me from applying for {$10000.00} of loan cancellation to which I am entitled under the recently announced forgiveness plan before the end of the year when payments restart. Nelnet is effectively holding my money XXXX to force payment of some interest to them on my loans into XXXX, as if my loan balance is not updated until XXXX, then it would be XXXX before I could expect cancellation, given the reported timeline from application to cancellation is ( at least ) 6 weeks. This will effectively force me to pay interest on loans I've already paid off, which should have been refunded, and which should be forgiven before end of year. All payments on my student loans to Nelnet have been made electronically from a major bank and can easily be reversed electronically- this takes only 3 to 5 business days for almost all financial institutions. Additionally, a timeline of 3-4 months was not the agreed upon terms of the refund and I was not advised that the refund could take until the end of the year during either call in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I purchased a XXXX XXXX ( operated by XXXX  ), at a XXXX XXXX ( operated by XXXX ) for XXXX on XX/XX/2022. 
The card was activated properly at XXXX. However, the card itself was defective, and I could not access the funds on the card at all, or check its balance online, no matter what I tried. 
I tried getting a refund from XXXX, but they confirmed the card was activated properly and told me to get in touch with the card servicer directly. 
I entered a dialogue with XXXX  the card servicer, but after much back and forth they flat-out refused to refund the card or issue a replacement, saying they did not sell cards at XXXX, an outright lie. 
Barclays was much more helpful, and issued a provisional credit and started an investigation after I opened a dispute. 
However, their initial investigation only dealt with XXXX XXXX who correctly provided documentation that the card was activated properly and that they do not issue refunds on gift cards under any circumstances. 
The Barclays representatives I spoke to understood that the problem was more complicated than this, and accepted new documentation from me on XX/XX/2022, a couple of days after their initial finding came in the mail. 
Unfortunately, Barclays posted the transaction to my account again after their initial finding, even though I provided their requested documentation and the representative told me explicitly the information I provided was enough to win the case. 
It has been more than two months since I provided more documentation, and the charge is still on my card, accumulating interest. The representatives don't have me any additional information whenever I call, besides a verbal confirmation that all my documents are in order and they don't need anything else.

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 2022-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX # XXXX 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 reportinq 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 I Hems or information Any other adverse item or information, other than records or convictions or crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: TX

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, 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: WA

Complaint narrative:
After checking my credit reports on the federally provided link at https : //www.annualcreditreport.com/XXXX XXXX with each credit report ; XXXX, Experian & XXXX XXXX XXXX notice I have several fraudulent inquiries in which I am not familiar with nor did not authorized. The inquiries are as follows : EXPERIAN : Informative Research Inc inquired on XXXX XXXX Report inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX inquired on XXXX XXXXXXXX XXXX XXXX inquired on XXXX XXXX XXXX inquired on XXXX XXXXXXXX XXXX XXXX inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX inquired on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX : XXXX inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired on XXXX XXXXXXXX XXXX XXXXXXXX, XXXX via XXXX XXXX XXXX inquired on XXXXXXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXXXXXX inquired on XXXX XXXXXXXX XXXXT via XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired on 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 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Someone used my personal information to open a Checking and Savings account with Bank of America in XXXX. It is now XXXX and after several calls with Bank of America and proving that I am me, Bank of America will not close these accounts. These accounts were both opened when there was an active XXXX XXXX on my credit accounts. Bank of America did not attempt to contact me like suggested by the fraud alert before opening the accounts. Today ( XXXX ), Bank of America allowed someone to try and open a credit account in my name. Directly after the XXXX incident, I have my credit frozen at all three bureaus, yet Bank of America still did a hard hit on my credit ( XXXX point decline... ) I contacted them again and they, again will not help me close these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2022-10-05 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2022-10-05 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I went to which I thought was XXXX to place a bid on an item to find out after speaking to XXXX it was not part of their website although it looked identical. I bid {$3000.00} for an item and the bid was accepted and the form of payment was a bank wire in which I sent. After speaking to XXXX they have no record of the transaction and I was scammed into thinking I was dealing with XXXX since I rarely use their site. Once the bid was accepted via an email I received from XXXX ' with the name of the individual of XXXX ' began the communication of payment. I wired the money out through my XXXX brokerage account and when I asked XXXX to see if they can reverse the wire they were not able to and was sent to JPMorgan and all the details of where it was sent is below In addition an individual named XXXX with an email address of XXXX was the contact individual that I thought was accommodating this transaction and have all the emails between us if needed for additional information Transaction Type : XXXX If other, please specify : Transaction Amount : XXXX Transaction Date : XX/XX/2022 Was the money sent? Yes Victim Bank Name : XXXX - Brokerage Account Victim Bank Address : Victim Bank Address ( continued ) : XXXX Bank XXXX Stop : Victim Bank City : Victim Bank Country : United States of America XXXX Bank XXXX XXXX Virginia Victim Bank XXXX XXXX : Victim Name on Account XXXX XXXX  Victim Account Number : XXXX Recipient Bank Name : JPMORGAN CHASE Recipient Bank Address : XXXX XXXX XXXX XXXX Recipient Bank Address ( continued ) : Recipient Bank Suite/Mail Stop : Recipient Bank City : XXXX Recipient Bank Country : United States of America XXXX Bank XXXX : Florida Recipient Bank XXXX XXXX XXXX XXXX Recipient Name on Account : XXXX XXXX XXXX XXXX Recipient Bank Routing Number : XXXX XXXX Account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I graduated from college in XXXX. I have a FFEL loan and was awarded a Pell grant. I was waiting to consolidate my privately held loan since we had until XX/XX/XXXX. With the abrupt change I no longer qualify for cancellation. I have a PELL grant and qualify for the forgiveness but an abrupt change in policy took that from me. I made payments during COVID. I feel like this is unfair and students with PELL grants should qualify regardless of who hold the loan. Please amend the XX/XX/XXXX policy change!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Portfolio Recovery left Voicemails on family members cellphone for me voicemail clearly states that the phone they left message on doesnt belong to me and belongs to my sister as her name is on voicemail. I work in collections where I work we are not allowed to leave voicemails for borrowers if their full names are not on the voicemail because we do not know who has access to the phone. When we leave voicemails we also only leave general messages requesting a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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 XXXX XXXX XXXX Account # 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 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 2022-10-05 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: IL

Complaint narrative:
There are multiple accounts open in my name without my permission or authorization, including XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. There is also wrong information submitted and incorrect spellings of my name including XXXX XXXX XXXX and XXXX XXXX XXXX. There due to these false account openings this has created financial hardships and issues with my actual accounts. Multiple accounts were affected as long as my financial well being. 

I was recently contacted by several lenders and collection agencies about various accounts that were opened without my permission during the timeframe of XX/XX/XXXX thru XX/XX/XXXX. We believe this stems from a scam taking place in XXXX where I was scammed by an auto dealer whom stole {$10000.00} from me and failed to deliver a vehicle. A police report was filed regarding the scam, as well as reports w/ XXXX XXXX XXXX Attorney 's office, XXXX New Jersey XXXX XXXX XXXX XXXX of XXXX XXXX for the state of New York. 

Furthermore, it is also believed that since these same bad actors were in possession of my personal information that my info was either sold by the organization or misused by the same organization. These same bad actors continued to apply for multiple lines or loans ad credit during the better half of this year XXXX. There were over XXXX inquiries counted from one credit bureau alone. 

All 3 credit reporting agencies have also misused my credit report as my true information has been compromised, name misspelled and fraudulent employers listed. 

This same company ( which scammed me ) is also under investigation for the same types of crimes against multiple individuals. However, we do not have any definitive evidence that these same bad actors stole my identity. There is now a pending judgement that was enforced by the DMV of New York during their investigation for the outstanding funds that were stolen from me. ( Hearing Unit XXXX ; XXXX XXXX XXXX ; Facility XXXX ). 

I have yet to be paid from judgment and the business, as well as the owners, are now unable to be found and have not been served with the new court order. These people should be in prison not having a judgment only against them. Thanks for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: GA

Complaint narrative:
CFPB complaint # XXXX The business that provided the information in question has 30 days from the date you submitted your request to respond back. No response has been received. The Fair Credit Reporting Act ( FCRA ) requires that Experian allow 30 days for the dispute process to be completed. 

The first initial response was XXXX and now it is XXXX. 

XXXX XXXX XXXX XXXX IS REPORTING UNVERIFIED DATA THAT I DID NOT GIVE THEM PERMISSION OR MY CONSENT TO DO SO.

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 2022-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
I took an ambulance that didn't accept my insurance at the time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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 XXXX Account # 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 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