vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
this morning i opened the GM app to make a payment of XXXX ( 1 month and still owe one more ) I selected the ACH method of payment on file with GM. Red note said account not acceptable use different ACH account which I added then attempted again with same comment. 
I called GM XXXX  XXXX  department and they said to use debit card. XXXX weeks ago, our bank info through XXXX was hacked so we had to have new debit cards issued which i added to my profile today on GM website. I then made a payment of XXXX immediately on my phone a transaction from XXXX XXXX XXXX XXXX showed a withdrawal of XXXX. I did not error on this. This is on your end. I called GM XXXX department and the supervisor stated there was nothing he could do and that I would have to dispute through my bank. I have been with XXXX XXXX  for XXXX years and then confirmed the investigation could take up to XXXX months. 
I HAVE A MORGAGE DUE XXXXAND CAN NOT PAY IT! and told your department this. Still no resolution telling me there's nothing that can be done. 
The truck is pending sale next week and not only have they taken the one payment but three! Then to top it off it has always taken 3-5 days to process payment. Today I tried to delete the payment and the system said in the middle of up dates. They actually processed the payment same day!! Never has that happens before. I work at XXXX XXXX and I am putting them on blast to every XXXX I know!! They took a payment that was not even due yet! XXXX!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On XXXX XXXX I can't recall what I spent {$280.00} on. This is my wifes card and it was only viewed by her. It would be nice to find out what I bought. 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 2023-09-30 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: EQUIFAX, INC.
State: TX

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

Account Name : XXXX XXXX Account Number : XXXX XXXXXXXX Account Name : XXXX XXXX Account Number : XXXX XXXXXXXX Account Name : XXXX XXXX  Account Number XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: FL

Complaint narrative:
I applied for XXXX ( XXXX XXXX XXXX ) XX/XX/2023 because my XXXX sent me an outlandish bill of $ XXXX that was due even though I have been on XXXX XXXX XXXX decades and never said I wanted to leave the program. I received XXXX emails all summer saying my account was being XXXX and that I would receive an email once the transfer was completed. I never received the email but yet I was billed for over $ XXXX even though my payments have always been XXXX on XXXX XXXX I tried to log into my account at Edfinancial and still could not. I then went to XXXX and applied for XXXX and according to their records my XXXX received my XXXX XXXX  ago. I emailed my XXXX a XXXX XXXX ago and never received a response. I sent another email XXXX and probably wont get help with that either. I can't pay XXXX in XXXX and don't know why I am being billed for such an outlandish amount and they will not respond or XXXX my account. This XXXX payment is causing XXXX XXXX XXXX and they're not XXXX my account, processing my application for XXXX, nor emailing me and telling me what's going on. Please help me. I qualify for XXXX ( XXXX XXXX XXXX  ), have always qualified for XXXX, and sending me a bill for $ XXXX is almost intentionally meant to cause XXXX XXXX yet I can't get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: WI

Complaint narrative:
My student loan servicer is currently Nelnet, as it was changed from the company Great Lakes. I qualify for the XXXX repayment plan. I applied for the XXXX repayment plan in XXXX, on the federal student aid government website. On the federal student aid website it states that my application was processed and this direct quote : '' Your loan servicer ( XXXX ) has ( have ) completed their review of your application. '' On the Nelnet website it states that I am enrolled in the XXXX plan ( not to be confused with the XXXX plan, which is a different repayment plan ), which I never applied to or was enrolled in the past. I never received communication from Nelnet that my repayment plan had been changed to the XXXX plan. I called and was unable to communicate by phone due to hours long wait times. I sent a detailed email to Nelnet and was sent an automated email letting me know that no one would reply to my email as no one would be reading it. It directed me to try the Nelnet website and if my issue wasn't resolved by visiting FAQ on their website, to call their phone number. Placing an account on a completely different repayment plan than you applied to is unacceptable ; the terms of each repayment plan are all different and change the monthly payment depending on what repayment plan you are enrolled in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXAccount # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX XXXX However, they stated everything was complete and accurate. And in ther stall letter stated that I needed to contact them and use their removal tools... I am getting the run around while trying to ADVOCATE FOR MYSELF saying I am using a XXXX XXXX. also I do not understand everything complete and accurate 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 that isn't reporting correctly. 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 XXXX XXXX credit reporting. I have evidence to prove my case atttached are a copy of the letters sent out on XXXX to each of the XXXX credit bureaus.

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 2023-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am in the process of trying to purchase a home. I was unaware of a fraudulent debt on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within XXXX XXXX, or any verification of these alleged debts from Portfolio Recovery which is a violation of FDCPA. Portfolio Recovery has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe Portfolio Recovery, nor any party that Portfolio Recovery claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that Portfolio Recovery remove this fraudulent debt from my credit report or I will sue, and seek the maximum compensation available under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: TX

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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXAccount # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX XXXX However, they stated everything was complete and accurate. And in ther stall letter stated that I needed to contact them and use their removal tools... I am getting the run around while trying to ADVOCATE FOR MYSELF saying I am using a third party. also I do not understand everything complete and accurate 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 that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro XXXX credit reporting. I have evidence to prove my case atttached are a copy of the letters sent out on XXXX to each of the XXXX credit bureaus.

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 2023-10-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 
Im opting out of : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Late Payments XX/XX/XXXX, XX/XX/XXXX Consumer Adjustment Company : Collection account. 
Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a.

Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 
XXXX opting out of : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Late Payments XX/XX/XXXX, XX/XX/XXXX Consumer Adjustment Company : Collection account. 
Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a.

Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor Capital One has violated my rights on ALL THREE ( 3 ) of my accounts with them.

Under 15 USC 1681 section 602 - section ( 4 ) - States I have the right to privacy 15 USC 1681 section 604a - section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666b - States a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Im writing with regard to a Citi fraud investigation related to a series of fraudulent charges to my Citi Premier card occurring on XX/XX/XXXX. The charges were attributed to a merchant unknown to us ( XX/XX/XXXXXXXX XXXX in the amounts of {$880.00}, {$3400.00}, and {$6000.00}. 

When contacted by the Citi fraud department on XX/XX/XXXX through their early fraud warning system, I was asked whether our card was in our possession. I explained to the caller from Citi that we did have at least one card in our possession, but that this was our previous Citi Thank You Card, not the new upgraded Citi Premier cards wed recently requested. 

In fact, the new Citi Premier cards hadn't arrived through the mail in a timely fashion, leading us to now believe that they may have been intercepted and used for the fraudulent charges. 

I have filed a police report with the XXXX Police Department and can provide you with the report number if needed. 

Yet, according to a letter we received from Citi dated XX/XX/XXXX, Citi has closed the investigation of these charges and is holding us responsible, citing that we had the cards in our possession. I have called twice in the interim to again explain that the cards in our possession at the time of the fraudulent charges were our previous Citi Thank You cards and not the Premier cards that were yet to be received through XXXX mail. 

Note that Citi did determine that two charges taking place on XX/XX/XXXX were indeed fraudulent, and is not holding us accountable -- making it puzzling that they did not determine the fraudulent charges on XX/XX/XXXX as related. 

Pertinent to Citi 's investigation, we also received a bill from XXXX for a fraudulent charge which appeared related to one of the disputed charges ( we are not XXXX customers ). XXXX quickly investigated, verifying that the charge was indeed fraudulent, and has notified the credit bureaus on our behalf. We have provided this information to Citi. We have also provided the XXXX Police Department police report. 

Please let us know if you need any further information from us to assist in asking Citi to reopen the investigation and reconsider their decision. 

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 monetary relief
Consumer complaint received 2023-10-01 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: AL

Complaint narrative:
I recently disputed multiple collections on my credit with the collection company and XXXX/TransUnion for validation of debt. I asked for proof of signed contract between company and I and wasnt provided with one. I sent a request via mail to XXXX/TransUnion requesting information on how accounts were verified. I have collections account showing as open with a past due balance. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. I am requesting that these accounts be deleted from my credit immediately.

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Transunion XXXX XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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: KS

Complaint narrative:
I bank with Wells Fargo. On XX/XX/XXXX I called support and made two disputes on the exact same company charging me, caesars XXXX XXXX. I told them im XXXX XXXX XXXX, and there is XXXX way i could even gamble. A support member told me to call XXXX  as well, where they had XXXX account with my name or social. One of my disputes, the ones made with ACH were accepted by wells fargo and they gave me the money back. The other dispute MADE ON THE EXACT SAME COMPANY. got denied by wells fargo. These two disputes i called and made on the EXACT SAME DAY on the EXACT SAME COMPANY. How did only one of them get accepted and the other was denied? Heres proof the the dispute, and proof that i got refunded on only one of my disputes.

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 2023-10-01 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: DC

Complaint narrative:
I received an alert on my credit monitoring service. The alert was for a new account with XXXX XXXX ( 2 ) weeks ago. It had been placed on my report and was never there before. I disputed the account with XXXX and Trans Union. Trans Union never did anything and placed something on my report stating it meets FCRA requirements. I checked today and now I have a collections account on my report for over {$1000.00} dollars. I dontknow where this account is coming from!

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