vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-30 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: GA

Complaint narrative:
To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This Is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You must follow proper procedures it these claims are in your system and to be used in my credit reports challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified Information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. Below is a summary of the data in which I am challenging XXXX XXXX {$190.00} ; XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$230.00} ; XXXX XXXX XXXX {$31.00} ; XXXX XXXX XXXX {$1500.00}.

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 2023-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I have received bad information about a private student loan I secured with XXXX XXXX XXXX ( Nelnet Servicing LLC ) in XX/XX/XXXX. I did not receive information on when payments were scheduled to begin and the monthly amount. Recently, I have started receiving harassing phone calls from XXXX and an email dated XX/XX/XXXX, that my loan was delinquent. I then received an email dated XX/XX/XXXX indicating that there was an important message in my XXXX inbox regarding my account. These two notices have been the only communications I have received from XXXX. I have not received any prior communications on how to access my account, billing statements, or any prior communications from XXXX that my loan was coming up for repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It appears my information is being shared. I am receiving unsolicited marketing material. 
There are incorrect names on my profile. There are incorrect addresses on my profile. There are inquiries from companies I do not recognize on my profile.It looks like various banking institutions have created inquiries on my credit profile. My information was used to create a utility bill in my name. One of the credit bureaus said my email and information was on the dark web. My profile is being misused.

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 2023-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently obtained my personal credit report from your organization and discovered that an unauthorized inquiry has been made. I then mailed a letter to the credit bureaus requesting the information on my credit report be investigated and removed if found to be valid. None were removed and I was not sent back the how too 's of what was used to investigate my request.

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 2023-04-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently obtained my personal credit report from your organization and discovered that an unauthorized inquiry has been made. I then mailed a letter to the credit bureaus requesting the information on my credit report be investigated and removed if found to be valid. None were removed and I was not sent back the how too 's of what was used to investigate my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My personal information was used without my consent in order to open credit and put inquiries on my credit report which is hurting my credit. 

XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: NJ

Complaint narrative:
My personal information was used without my consent in order to open credit and put inquiries on my credit report which is hurting my credit. 

XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/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 2023-04-30 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I pulled my credit report and it is showing multiple inquiries from Navy FCU and I don't know why. I have not inquired any new credit or tried to so I am asking for these inquires to be removed from my report. it is inaccurate and needs to be removed according to 15 USC 168 ( 5 ) the following are Navy FCU XX/XX/XXXX XXXX Navy FCU XX/XX/XXXX XXXX Navy FCU XX/XX/XXXX XXXX Navy FCU XX/XX/XXXX XXXX Navy FCU XX/XX/XXXX XXXX Navy FCU XX/XX/XXXX XXXX Navy FCU XX/XX/XXXX XXXX Navy FCU XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I applied for a received the Capital One Savor card in just this month XX/XX/XXXX in anticipation of a trip to XXXX from our home in XXXX, AL. It was one of several credit cards we considered that do not have foreign transaction fees, which are 3 % with our bank XXXX XXXX. After successfully using the card for the first XXXX days of our trip on many transactions including our hotel, meals and museums, the card suddenly became restricted and could no longer be used as of XX/XX/XXXX. We received an email notifying us of the restriction and to call them asap - though they opened near 18 hours later. We called as soon as they opened and were told there was no concern of fraud they just wanted to verify my identity- and the only way to unrestricted the account was to provide copies of my drivers license, social security card, and proof of residence. I didnt travel with my social security card ( not that Id want to give them a copy anyhow ), so am unable to give them their requested documentation. I escalated through to a manager and tried to offer any other identification such as my passport and was refused. They also could not tell me what made them restrict the card without verifying my identity in this way only. Now we are stuck without the card for the remainder of the trip and will pay foreign transaction fees on the remainder of our purchases through our departure on XXXX. Banks are closed here til day before we leave Tuesday the XXXX. My only other credit card to earn rewards is an XXXX which is accepted almost nowhere here. I feel the injury is both the loss of rewards access and the 3 % Ill be paying on remaining purchases with XXXX XXXX debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Summary : I was a Wells Fargo customer between the years of XXXX. Although my credit was and is excellent I was given a no-doc 80/20 loan to finance the home. During that timeframe, I applied for a loan modification and was twice denied both times. I subsequently sold my home in XXXX to avoid losing it. Based a number of CFPB enforcement actions and class-actions I believe I am entitled to a settlement. I opened a complaint ( XXXX ) with Wells Fargo on XX/XX/XXXX and was denied. However, the investigation failed to address the loan modification issue and incorrectly treated the 80/20 loans as a mortgage that was later used to get a home equity loan ( XXXX ). I subsequently opened a second complaint ( XXXX ) on XX/XX/XXXX with XXXX XXXX, a supervisor that recommended a new claim to address the two distinct original concerns : discriminatory/predatory lending ( no-doc 80/20 loan ) and the denial of a loan modification. At one point he said, 'why didn't you file this complaint sooner? ' The second complaint was denied via a phone call from the case owner, XXXX XXXX. He said, 'the 80/20 loan I received was typical of that time ' so the claim was denied. He did not address the loan modification issue, when asked he said, 'I do not have an answer for why that might have happened '. He told me I would receive a letter recapping what he covered in the discussion and if I was not satisfied I could file another complaint. To date I have not received any such letter. It feels as though they are just kicking the can down the road to run out a clock. 

All of the paperwork and notes associated with these complaints are attached in chronological order.

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 2023-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
15 U.s code $ 1666b law this creditor has violated my rights..

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) 16 u.s.c. 1681 section 60s a right of privacy Gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My first incident with Chase Bank started on XX/XX/2023. I have a new Chase account so this was the first check I deposited into this account. The check I deposited with online banking was in the amount of {$720.00} and the bank placed it on hold. I called customer service and they told me I would have to wait 10 days for the check to clear. First, they said it was because of unusual online activity, even though I verified it was me who did the activity. Then, they said it was because of a {$77.00} overdraft fee, which the check I deposited would have covered. I then called the next day and a rep told me how the process works and that my boss who assigned the check, my boss 's bank, the Chase deposit review team, and I would have to be on a 3-way call to verify the check. That's when I realized I have been lied to. I ended up waiting 10 days and then received my funds. After 10 days, I deposited another check on XX/XX/2023. This check was in the amount of {$1400.00} and was immediately placed on hold when I deposited it with online banking. I called the bank and asked why all of my checks were being placed on hold and every representative was rude on the phone. I got responses like " I would have to wait the 10 days and that it'd nothing you can do about it '', and " It's because the activity in your account is fraud ''. They transferred me to about 6 different representatives. A representative on the phone even became argumentative and said can " Can I ask you a question? '' I answered the one question and he said " I'm not finished with my questions and that he would not help me. '' Long story short another representative called me with my boss and the deposit review team, my boss verified that she issued me the check and the Chase rep said that my check would be taken off of hold within 24 hours. The next day my check was still on hold I called and the rep made my funds available after waiting an hour on the phone, but my card was deactivated so I could not access my funds. The rep said someone deactivated it for fraud. I never deactivated my card and they never asked me if I wanted my card deactivated. There wasn't any activity made after the second deposit because I could not access my funds. I currently have a new card coming in the mail and trying to figure out a way to access my funds. I was told I have to wait for the new card to arrive in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2021, XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2021XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2021, XXXX  Date of Inquiry XX/XX/2021, XXXX Date of Inquiry XX/XX/2021, XXXX  Date of Inquiry XX/XX/2021 & XXXX Date of Inquiry XX/XX/2021.

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 2023-04-30 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: FL

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

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an 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 2023-04-30 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: VA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/22 I opened Chase savings and checking accounts. The terms stated that if I opened savings and checking accounts {$300.00} would be deposited in each after meeting certain conditions. I met the conditions for the checking account and {$300.00} was deposited into it. I would have met the conditions for the savings account too but Chase made the deposit to savings difficult every step of the way. 
The conditions for the {$300.00} savings credit were that I had to deposit {$15000.00} within 30 days of the account opening. I had some money coming from my relatives estate and planned to deposit that in the account. However, it took some time for the funds to be available so I was not able to deposit them until a few days before the 30 day deadline. I prepared ahead of time by adding an external account to my profile on the Chase website. This was the account the funds would be transferred from electronically. The account is a checking account with XXXX and I went through the steps of verifying it with Chase. The Chase website confirmed it was verified and I would be able to transfer funds.

When the funds were available, I set up the transfer online. Im sorry I dont have the exact date but it was within the 30 day window. I then received a notification that the funds could not be transferred because additional verification was needed. There had been no indication that additional verification would be needed prior to this. By the time I was notified that additional verification was needed, the steps to provide that verification would take too long and go past the 30 day deadline. 
I then decided to write myself a check from my XXXX account and deposit it through the Chase mobile app. I went to deposit it but found that it exceeded the limit that I could deposit in one check. At this point, there was not enough time to deposit multiple checks of smaller amounts over a number of days. 
My next option was the ATM. I was working but my husband was available, so he went to the ATM for me. However, my husband is not familiar with Chase ATMs and accidentally deposited the {$15000.00} check into my Chase checking account instead of the savings. 
I tried to transfer the funds on the Chase website but was unable to because there was a hold on the funds. 
At this point, I reached out to Chase customer service and explained the situation. I was told there was nothing I could do.

I contacted them again and they basically cut and paste the terms into their answer and didnt engage with me at all.

Im not sure how many times I contacted them but there was never any attempt to provide good customer service and interact with me in a meaningful way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2023 I sent a letter to XXXX, Experian, and XXXX to investigate my inaccurate accounts on my credit report. It has been over 45 days, and I feel like I'm being taken advantage of, these consumer reporting agencies are in violation section 15 US code 1681i it states that failure to investigate within 30 days gives a reason to remove those items from my credit report, it has been over 45 days so they should be deleted immediately. 

I demand these accounts be deleted ASAP or I will be filing for litigation due to the stress this has caused me, from getting a promotion with my company. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong persons. 

The evidence will be attached below.

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 2023-04-30 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: FL

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

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an 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 non-monetary relief