vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following account 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 this account : XXXX XXXX XXXX XXXX - However, theyve stated everything was complete and accurate. But how is that possible if the date of last payment and the date opened is incorrect? According to 15 USC 1681i ( 5 ) Credit reporting agencies are supposed to delete accounts if they're not reporting accurately. 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. Lastly, this account isn't in compliance with metro 2 credit reporting. I've attached proof from my credit report to prove my claim. If your company doesnt honor my request to remove the above-mentioned account, I will enforce my rights as a Federal Protected Consumer and litigate under the laws of the FCRA under section 616 and 617. 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 non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
There We're fraudulent checks that we're written in my name. The bank thought I signed create and close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: Nelnet, Inc.
State: PA

Complaint narrative:
My student loans use to be serviced by Great Lakes until they were transferred over to Nelnet. Since they were transferred over to Nelnet, either my monthly interest dollar amount has increased from about {$28.00} a month, to over {$130.00} a month, or my payment was not applied at all. I emailed Nelnet to ask them about the situation and to confirm the interest I am spending per month ( dollar amount ), and they refused to respond and directed me to their FAQ 's ( which do not answer my question ). I have screenshots available upon request to show my interest rate accrual under GreatLakes versus Nelnet. I also have screenshots upon request showing the interest accrual before the pandemic payment pause to show the interest rate so this has nothing to do with interest rates starting back up. The calculation is factoring in a {$100.00} payment I made last month. Despite making a {$100.00} payment, my overall loan amount still increased {$30.00}. It's almost as if the payment was not ever applied even though it's showing up on my account. 

I am hoping we can still reach a resolution and I will be refunded the difference I was over charged, or the payment being correctly applied to my account. I tried to work this out directly with Nelnet and they refused to respond. Due to the nature of the complaint with being over charged on interest and not receiving a response, I'm escalating this to a UDAAP complaint with the CFPB. Even with calculating the interest amount of my loans, the amount is around {$28.00}, so the amount interest I was charged doesn't match GreatLakes or the interest percent information provided on my account. This can also affect my credit score because the loan amount is increasing more than it should.

I am requesting Nelnet : 1. Explain why my balance increased {$30.00} over the past 30 days after making a {$100.00} payment on 9/22/23.

2. Explain what my total monthly ( 30 day period ) interest dollar amount is on my student loans ( not just the percents, the total dollar amount ) 3. If the interest dollar amount increased, explain why interest is substantially higher than before the pandemic 4. refund me the difference, or correctly apply my previous student loan payments. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed this with all 3 credit agencies and 2 have removed this from my records. Experian will not. This information is not accurate as I have never filed a bankruptcy in XXXX, Ga. 




Your Bankruptcy Dispute has been updated. 
XX/XX/2023 The dispute for the bankruptcy named XXXX XXXX XXXX XXXX XXXXXXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

Source : Experian Date Submitted : XX/XX/ Report Number : XXXX Court Name : XXXX XXXXXXXX XXXX  GA XXXX XXXX : XXXX XXXX XXXX , XXXX , GA XXXX Type of Record : Bankruptcy Reference Number : 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 2023-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On or about XX/XX/XXXX I graduated from school of which at that time all of my loans were paid in full with Federal Direct Loans. 
Since then the loan was sold to NELNET INC EIN XXXX-who has been monetizing and trading on it-using my SS number without giving me any tender-securities or dividends-or even asking for my permission to use or access my trust, then has the audacity to attempt to ask me for a payment of a loan of which has been paid more than ten years ago. 

However, I ask can NELNET INC-who is in breach { of UCC 3-302 holder of due course-This is a crime } send me a contract between myself and them stating that we have any type of agreement? If not of which they have still not giving me anything in it's original form, why? Because they are committing FRAUD. 

In addition According to HJR 192 of 1933 at XXXX -ALL DEBTS ARE PREPAID. 
If this fallacy of debt is not removed I am prepared for legal action against them and have the IRS audit this NELNET INC company. 

Again kindly remove this false XXXX { XXXX XXXX XXXX XXXX } debt that stains my credit report ASAP. Please and thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
There were duplicate charges period they were charges. A bank notified me about or overseas and never refunded the money. They close the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have tried to obtain my annual credit report but was unable to. I was told to call the bureaus to obtain my credit report, which I did but I have still haven't received anything.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Failure to Respond within Requested Timeframe Dear Equifax, I hope this letter finds you well. I am writing to express my disappointment and concern regarding your failure to respond to my previous letter, dated XX/XX/2023, within the requested timeframe of 30 days. As a result, I am left with no choice but to proceed with legal action against Equifax. 

Despite providing ample time and opportunity for Equifax to address the inaccuracies on my credit report and offer fair compensation for the damages incurred, I have received no response or acknowledgment of my concerns. This lack of communication and failure to rectify the situation has only exacerbated my frustration and the harm caused by Equifax 's actions. 

I want to reiterate the seriousness of the situation and the potential legal consequences that Equifax may face because of its non-compliance with the Fair Credit Reporting Act ( FCRA ). By neglecting to respond within the requested timeframe, Equifax has demonstrated a disregard for its legal obligations and a failure to provide the necessary resolution to this matter. 

I am left with no other alternative but to engage legal counsel and pursue legal action against Equifax to seek the remedies I am entitled to under the FCRA. This includes compensation for damages, legal fees, and any other relief that the court deems appropriate. 

Equifax 's lack of response has only further damaged my financial reputation and caused emotional distress. I implore Equifax to take immediate action to address this issue and prevent the need for further legal escalation. 

I expect a written response from Equifax within 10 business days from the date of this letter. This response should provide an explanation for the failure to respond within the initial requested timeframe, a clear plan to rectify the inaccuracies on my credit report, and a fair and reasonable offer for compensation for the damages incurred. 

Please be aware that any further delay or lack of response from Equifax will only strengthen my resolve to pursue legal action and seek the full extent of the remedies available to me under the law. 

Thank you for your immediate attention to this matter. I hope that Equifax will take this final opportunity to rectify the situation promptly and avoid the need for further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is reporting information from this company that is not true in the amount of {$42000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX is reporting information from this company that is not true in the amount of {$42000.00}.

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 non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX is reporting information from this company that is not true in the amount of {$42000.00}.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In the month of XX/XX/2023, I try to purchase a vehicle for work and my credit was ran which had outdated and wrong information and according to article { 15 USC1681E B } as a consumer I have been wrongfully done and would like for this to be corrected

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I have eviction filings on my credit report that were dismissed by the court and should be removed from my report, also one with a mobile home that I purchased, I was never evicted from the mobile home because it belonged to me, I want them off of my credit report because it is wrong, I have never been evicted from any properties, 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 2023-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CULLEN/FROST BANKERS, INC.
State: SC

Complaint narrative:
Provided doc. With wrong information, savings account only earned pennies ... since XXXXdid ask for compliance, research, manager, investigation, I was told to close account before I was declined a solution and I relocated, I was defamated discriminated retaliated ilegally persecuted Frost bank, XXXX XXXX, TX XXXX a XXXX with two checkings? ; and 1 savings?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint against Revolut Ltd , a financial services company, regarding the arbitrary closure of my account and their handling of disputed transactions. 
I have been a customer of Revolut Ltd for over two years and have generally had a satisfactory experience with their services. However, recently I have faced issues that put the integrity and reliability of the financial institution into question. 

In XX/XX/2023, I initiated a chargeback request against a company named XXXX, which I believe manipulated trading results to their benefit. I followed the proper procedures and presented sufficient evidence, including screenshots and documentation, to support my claims of unfair trading practices. My request was declined by Revolut Ltd, citing regulations and rules without adequately investigating the matter. 

Soon after this, I discovered that my Revolut account had been permanently closed without any clear explanation. I was merely advised to check their Terms and Conditions under Clause 24, which outlines possible reasons for account termination. However, none of the conditions listed apply to my case. 

The timing and manner of these actions have put me under immense financial and emotional stress. Revolut 's actions appear to be retaliatory following my dispute with XXXX, and I question the ethics behind such abrupt and unsupported decisions. This situation has not only caused me financial loss but also shaken my faith in the financial system that is supposed to be secure, transparent, and customer-friendly. 


Thank you for your attention to this matter. I look forward to your swift action. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: FL

Complaint narrative:
The credit agency is listing a bankruptcy on our credit report without being able to validate its accuracy. Despite asserting that they've verified the information, the bankruptcy court, the primary source of this data, explicitly refuses to confirm its accuracy, as indicated in the attached letter from the court clerk. 

The court is the sole authoritative entity in this matter and the only party capable of attesting to the information 's precision, effectively undermining the credit agency 's claim of accuracy. To complicate matters, the agency relies on XXXX XXXX to report this information, a third-party entity that lacks the capacity to independently verify the data 's accuracy. 

Given that the agency can not directly verify the information 's accuracy and depends on an unverifiable third party, we insist on the immediate removal of this item from our credit reports.

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 2023-10-21 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: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
On XX/XX/, I was the victim of a scam. That day I received a call from XXXX regarding a special offer. Because this caller did have my XXXX account number, I assumed this offer was legitimate. However, after purchasing three XXXX gift cards from our local XXXX store with my debit card, I realized it was a scam. Within an hour after purchasing the third gift card, I immediately went to our local Wells Fargo branch at XXXX XXXX XXXX, XXXX XXXX, DE XXXX. At this point, the transactions were still pending in my account. I went into the bank and explained what was going on and requested that they not allow these transactions to process. I was told there was no one available to assist me and I should call the 800 number. I was very upset and while in the parking lot of the bank, I proceeded to phone the Wells Fargo XXXX number. I explained the situation to the Wells Fargo representative and requested that these transactions not be honored. After being on the phone with the representative for approximately 10-15 minutes, we were told a hold would be put on my debit card and I would receive a new debit card. 

Unfortunately, even after my efforts to get Wells Fargo to deny these transactions, the following XXXX gift card purchases were authorized by Wells Fargo as follows : XXXX XXXXXXXX XXXX {$360.00} XXXX XXXX Card XXXX XXXX XXXXXXXX XXXXXXXX {$490.00} XXXX XXXX Card XXXX XX/XX/XXXX XXXX # XXXX {$360.00} XXXX XXXX DE XXXX CardXXXX That evening, I called the DE State Police to report the scam. State Policewoman XXXX XXXX came to my home to take a Crime Report. The Complaint Number with the DE State Police is XXXX. During Officer XXXX investigation of this scam, it was revealed that the scammers had not gotten the information to obtain the {$490.00} purchased gift card. Therefore, I could still use that gift card. 

On XX/XX/, the Wells Fargo Bank did issue me provisional credits in the amounts of {$360.00}, {$490.00}, {$360.00} for a total of {$1200.00}. However, on XX/XX/XXXX and XXXX, XXXX, they reversed these credits in the amounts of {$860.00} and {$360.00} for a total of {$1200.00}. 

Although I know I am responsible for falling for this same, since I immediately went to Wells Fargo Bank to stop this scam while the scam was going on and these transactions were pending, and I was turned away from the Bank, I believe the Wells Fargo Bank should credit me for the two {$360.00} transactions in the total amount of {$720.00}.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to submit a formal complaint regarding Equifax, one of the three major credit reporting agencies, for their failure to respond to my inquiry dated XX/XX/XXXX concerning inaccurate information on my credit report. 
On XX/XX/XXXX, I contacted Equifax to address the following inaccuracies on my credit report. As of the date of this complaint, I have not received any response from Equifax. The incorrect information and the required corrections are as follows : The following account is not mine : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Highest Balance : {$20000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$670.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Identity theft or some other transfer problem and defamatory statements, blacklisted blocked persecuted ilegally retaliated Asked for investigations ... .many witnesses .... 

My paycheck is not coming in, fully paid, trusted funds .... 

And also my credit card ... no proper credit line and frauds not reimbursed...

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 2023-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
5 credit cards closed ... since 2010... making payments, etc Back then worth XXXX, XXXX, the 5 together... .which is worth a home equity line of credit Was Blacklisted Blocked defamated discriminated retaliated ilegally persecuted, harrassed

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