vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 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: IA

Complaint narrative:
I made a payment via Nelnet.com 's online portal and it has not been posted to my account for more than 2 weeks although they already removed the money from my account. Breakdown of dates included below : XX/XX/XXXX - payment made via Nelnet.com online portal XX/XX/XXXX - payment removed from my bank account, still showing has pending online XX/XX/XXXX - payment no longer showing as pending AND not posted to account. 
XX/XX/XXXX - told by Nelnet employee that they can see my payment and that it could take an " unknown amount of time '' to post to my account XXXX - Payment still not posted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had this Chase XXXX for many years. Recently, approximately within the last year, I started seeing offers on my billing statement. These were " My Chase Plan '' offers. 
The offer was/is a pay over time plan. I used this " Plan '' a few times. there was no charge or a small monthly charge. My current " Plan '' I used to pay over time a XXXX XXXX XXXX premium. ( {$400.00} ) over 6 months at {$1.00} monthly fee. 
All well and good up till now. 
On or about XX/XX/XXXX Chase sent me an email saying I could put {$10000.00} on my credit card ( Ch XXXX ) and pay no interest until XX/XX/XXXX. As I have been having some financial issues of late, I took the offer understanding that there would be a one time {$500.00} fee. 
What I did not understand, what was not made clear to me and what I find deceptive and fraudulent is that I will always have to pay interest on the My Chase Plan balance as well as any other charges on that card at 17.49 %. Only if I pay {$10000.00} by XX/XX/XXXX can I avoid interest charges. 
Chase designed this interest trap and is perpetrating on its customers.A Chase supervisor explained this to me yesterday and said that the disclaimer read to me by the fast talking lady on the recording may have mentioned this and that I would never be able to avoid paying interest until the {$10000.00} was paid off Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 I sent two payments, via Bill Pay, from XXXX XXXX XXXX XXXX XXXX XXXX ) to a USAA auto loan. One for {$1800.00} and one for {$420.00}. I can see in my XXXX account summary that both payments left my account. USAA claimed that there were insufficient funds. I can see in my USAA account summary that both payments were received and reversed. Then the money disappeared. I am missing {$2200.00}. I have called both entities seventeen times almost weekly since XXXX and neither of them will claim responsibility or give me the money thats missing. In addition to the numerous phone calls I have uploaded documents and thorough notes proving my case and had a three-way phone call with both entities to no avail. This is causing extreme stress and each time I call I have to start the story over again and end up with the same result. My XXXX checking account # is XXXX My USAA auto loan account # is XXXX. On XX/XX/2023 I submitted a CFPB complaint against XXXX ( Complaint ID XXXX ) to seek resolution and they, again, claimed that it's not their responsibility on XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
This has been an on going issue with XXXX I originally filed a dispute back in XX/XX/2022 Im regards to unauthorized charges that fall under regulations E. Guidelines well according to this XXXX never investigated the dispute in the first and documents requested for the decision of this out come show that XXXX is not investigating anything and instead is f protecting customers and investigating issues XXXX has been going against they very own customer I also find they said I had card I originally said No I dont see any of the documents that I sent to support my claim which documents was in fact provided

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Sincerely 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 2023-08-08 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these listed accounts, with the dates and amounts, have violated my rights ; XXXX XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$4500.00} XXXX XXXX XXXX XXXX ; XXXX, {$23000.00} XXXX XXXX XXXX ; XXXX, {$2400.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$3400.00} XXXX XXXX XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$4500.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$3400.00} XXXX XXXX XXXX  ; XXXX, XX/XX/XXXX, {$6500.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$2800.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$3000.00} GRAIN XXXX XXXX ; XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX XXXX XXXX  ; XXXX XXXX XX/XX/XXXX, {$1200.00} 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681section 604A Section 2 : states a consumer reporting agency CAN NOT furnish a account without my written instructions. I NEVER gave any written instruction to furnish this information. Equifax, XXXX, and XXXX are in direct violation of these codes by furnishing and reporting these accounts on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-08-08 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There are two transactions for a single motorcycle purchase from the merchant XXXX : XX/XX/2021 in the amount of {$100.00} XX/XX/2021 in the amount of {$4900.00} This was a pre-order and the merchant has failed to deliver the promised goods. The delivery date is within the credit card company 's dispute period. However, the credit card company has refused to file a chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Greeting, I am XXXX XXXX XXXX XXXX military. 
I was XXXX overseas for almost 5 year my home Mortgage was originally with XXXX which sold or transfer everything to XXXX XXXX. While overseas I suffered with many set back. 
1 ) my wife and kids get stock in the XXXX XX/XX/XXXX for 9 months with my XXXX XXXX XXXX due to XXXX while I XXXX and at the same time I had a leak in my house which take months to figure out. 
2 ) My XXXX passed away XX/XX/XXXX due to XXXX and I was contact by the XXXX XXXX for funeral arrangement while XXXX. 
I came back from the funeral back in XXXX. I suffered a back injury on XX/XX/XXXX for which I am in XXXX duty. XXXX XXXX contact me about the change changes which I explain to them I was overseas. They never never stop calling my and reported me to the credit bureau. I am respectfully ask to delete and remove the late fees from my record please. thank you

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 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2023, while on vacation in XXXX XXXX via the XXXX XXXX, XXXX was charged to my debit card by XXXX XXXX & XXXX ( which after investigating the location of this restaurant was determined to be located in XXXX XXXX ( 16-20 hours away from XXXX XXXX XXXX XXXX XXXX XXXX ) where the ship docked as our 2nd port of call. ) I notified Fifth Third Bank within 45 minutes of seeing the transaction post to my account since I receive email alerts of all account transactions. When I tried using my debit card at the port in a small shop called XXXX XXXX XXXX, I was told that my transaction was declined. I called Fifth Third Bank at XXXX to ask if there was a block on my card since I am from XXXX, but was travelling internationally. They said that I should be able to use my card but I did not swipe my card at any other location while at the port. This restaurant does not even have a location at the port nor was it possible to travel there during the 8 hours that our ship was docked. I have presented Fifth Third Bank with my travel XXXX, XXXX stamped photos of me in XXXX XXXX with the fact that they have recorded calls from me in XXXX XXXX to resolve this and reporting this issue while it was a pending transaction. I was given the phone number of XXXX from a Fifth Third Bank disputes team manager and the number is not even valid. This should have been an open and shut case of fraud, but the Bank will not give me my money back. I have no way of reaching out to XXXX. My issue is with my bank and its failed investigation and tge resulting hardship this has caused me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I opened a HELOC with UWM in XX/XX/2023. I took a partial draw. I urgently need additonal funds from my available credit and have not been able to get to my money. They state they need to trasnfer the loan but the has not happened. I signed a HELOC notice that states I wouldnot have access to unfunded portion for 60 to ninety days. This period has been exceeded. They have been neglitent and causing me hardship. 

I need access to my funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau c/o Case Manager XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : The purpose of this letter to request a claim be opened against Capital One over unethical business practices and business errors made by their Fraud Department in XXXX. Please find the details below. 

In XXXX and XXXX of XXXX, my Capital One Venture card account ending in XXXX experienced several fraudulent transactions included unauthorized purchases and payments resulting in several thousand dollars of fraud. As per the terms of service provided by Capital One, I contacted the fraud department in XXXX of XXXX to report the fraudulent activity. The representative from Capital One went line by line through my transaction history to verify which purchases were mine and which were fraudulent. After verifying this information, I informed the representative that all other transactions were fraudulent. The account was credited, and I acquired a final payoff balance in XX/XX/XXXX where the account was then closed. 

Beginning in XX/XX/XXXX, I started receiving mail and phone calls from Capital One informing me that I owed {$5600.00} due to returned payments on the closed account. In several telephone conversations, I informed that I would not pay for fraudulent transactions on the account and had reported all such transactions the previous year. The representatives, and account manager, informed me that I was responsible for the balance as the payment from the previous year was returned. My question to them was, if they had done the appropriate fraud investigation on all fraudulent transactions as I reported, how could they come back almost a year later and tell me I owed such a balance? I told them that since their fraud department failed to do its duty and responsibility to conduct a thorough investigation, they would need to either absorb the balance or re-open the fraud case and pursue the individual responsible. They continue to harass me with mail and phone calls about this balance. 

I am asking that the Consumer Financial Protection Bureau step in, open a claim against Capital One for their unethical business practices and poor business practices, and clear my closed account of the balance and subsequent record on my credit report. If you have questions or need further clarification, please contact me at XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
I was pre-approved for a new car loan XX/XX/XXXX. We shopped around, found a car, ordered it. I called USAA on XX/XX/23 to make changes to the term of the loan ( Change from 60 months to 72 months ). I was assured that this change was notated and when the loan was funded, it would be the 72 month term. We received the car on XX/XX/23, and the dealership filled out USAA 's request for funding. When the loan showed up in my account a few days later, it was for 60 months. I spoke to XXXX on the app 's chat feature, who couldn't help me over chat, so I called USAA on XX/XX/23 to attempt to resolve the situation. I spoke with " XXXX '', a " lending XXXX ''. Even though they see my loan account notated, I was told that someone made an error and ignored or did not see the notation. XXXX attempted to get the issue fixed, but the under-writer said no. The only way for me to " fix '' it is by re-financing. I should not have to jump through extra hoops because of someone else failing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX claims I missed a lease payment but that is incorrect. The last lease was due on XX/XX/2022. I made the payment on time and then returned the truck on XX/XX/XXXX, on time. Turned over the keys at that time. I have record from my bank showing this payment. My credit report shows that payment.

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 2023-08-08 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: TX

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

I have requested XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX Acct # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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.

Also they aren't even in compliance with metro 2 credit reporting or the consumer laws that's been put in place. I have evidence to prove my case.

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