vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
There was a total loss of the car in XX/XX/2023. The insurance company paid the balance off in full in XX/XX/2023, I also made my regular payment in XX/XX/2023. Bridgecrest reported me thirty day late when there was never a payment late over thirty days. My payments were made in full. They also received a refund from my warranty and service package purchased in XX/XX/2023 that they requested and applied towards my principal. I have also requested multiple times if there is a refund due to me and this company refuses to inform me as I know there is, and have not sent me my excess funds due me. They keep telling me to call back. There is a lot of fraudulent activity taking place there. The total loss department you can not even get on the phone. It should not take over 90 days to correct my credit report when it did not take 90 days to mess it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to express my utter frustration and disbelief at the abhorrent level of service I have received from Equifax in regard to a disputed inquiry on my credit report. Since XXXX, I have tirelessly and diligently attempted to rectify this matter, only to be met with sheer obstinacy and an unwarranted refusal to correct a glaring error on my report. It is nothing short of infuriating that Equifax, a company entrusted with such sensitive financial information, has displayed such blatant disregard for the wellbeing and integrity of its customers. They have been removing and adding the inquiry on my account. They have been sending me updated credit report with the inquiry remove but when I check it online, its still there., This relentless stonewalling is not only unprofessional, but it undermines the very purpose of the Consumer Financial Protection Bureau and its mission to safeguard consumer interests. It is high time that Equifax be held accountable for its disgraceful conduct. The intransigence displayed thus far is nothing short of a gross injustice, and I implore the CFPB to take swift and decisive action to rectify this egregious situation. Your immediate attention to this matter is not only warranted, but demanded, as I refuse to accept anything less than a fair and just resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been notified that my capital one credit card has been closed after missing one payment. This is also just after I filed a complaint here about this credit card account. I feel as though the company is retaliating for my filing a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am trying to access my Nelnet account on the phone and on the website, and I can't log in or get ahold of anyone. I am not even sure if my payment is going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: CT

Complaint narrative:
I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( XXXX, XXXX, TRANSUNION ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a XXXX complaint, lawsuit.

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 2023-10-13 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I went to your store the one in XXXX XXXX purchased all my kitchen appliances from Best Buy. The issue that I have is with the microwave trim kit. The first one I got was dented I called Best Buy to notify them of the issue. I received another when the crew members came to install it was forced in and the microwave kit was dented it. Called Best Buy again they sent me another microwave kit. Crew members came again not able to install it because it was the wrong size, they took it to back to the store themselves ( crew members ). Called Best Buy again was sent another microwave kit wrong size again this time Best Buy sent XXXX to pick up the kit. At this point I don't know what to do anymore. I paid for all my appliances, but I'm stuck with a dented trim kit. I don't have any trim kits in my possession except the one that's installed which is dented and loose on top. I have called multiple times and they have me on the merry go round. I spoke with XXXX the supervisor who promised me XXXXXXXX XXXX card. Last time I spoke with her was on XX/XX/XXXX gave a reference number XXXX XXXXXXXX and told me I should be receiving a XXXX card within XXXX  days. At this point nothing, this issue has not been resolved. I'm tired and annoyed of calling have explained the issue to multiple people on their customer care department and I keep getting a different story every time. Until today I have not received the XXXX that was promised to me which is rightfully mine. See files XXXX pic is dented at the edges and second pic the kit is loose on top not properly installed.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX I purchased a home and entered into a XXXX XXXX XXXXXXXX Mortgage with my then husband for a 30 year fixed loan. We divorced in XXXX and I quitclaim the property title over to my ex spouse in return for cash, however he never removed my name from loan. 

XXXX XXXX XXXX and my ex-spouse modified the mortgage without my consent in XXXX, extending the term, changing the interest rate and payment which negatively impacted my credit score. This in turn increased my costs to borrow money and being denied credit. 

First, XXXX XXXX XXXX has fraudulently kept my name on a modified mortgage document I never signed. Secondly, the original 30 year fixed mortgage term has reached its Maturity Date, ending any contractual agreement between myself and the bank. 

After numerous phone calls to XXXX XXXX XXXX, they have provided no relief.

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 2023-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Subject : PayPal Account Limitation Appeal Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account associated with the email address XXXX. 

Firstly, I would like to emphasize that I firmly believe this limitation was imposed in error. To the best of my knowledge and understanding, I have not violated any PayPal policies or engaged in any activities that warrant such a severe action. My account has always been used in a responsible and lawful manner. 

I kindly request that PayPal undertake a thorough review of my case. I understand the importance of upholding the integrity of the PayPal platform, and I respect your commitment to ensuring the security of all users. However, I believe that an erroneous decision has been made in my case, and I would greatly appreciate it if you could re-investigate the matter with utmost care. 

My PayPal account has been a valuable tool for managing my financial transactions, and its continued accessibility is of great importance to me. I kindly ask that, if upon review, it is determined that no violations have occurred, my account be reinstated promptly. This will enable me to continue utilizing PayPal 's services for my personal and business needs. 

I want to assure you that I take the use of PayPal very seriously and would never engage in any activities that could jeopardize my account status or the trust of the PayPal community. 

I sincerely hope that this issue can be resolved amicably and promptly. Please let me know if there are any specific steps or information required from my end to assist in this process. 

Thank you for your attention to this matter. I look forward to a swift and fair resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: SC

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 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 2023-10-13 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: SC

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 2023-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient previously approved me for a payment plan and processed a payment for that plan. They later came back after checking my credit without authorization and stated I was no longer approved for that plan. Upon denial they then tried to raise the payment amount, without informing me in a timely manner, while also sending me conflicting statements about my account status. Upon receiving additional information about the account, I signed up for another rate reduction plan that I was approved for. Upon approval I was never notified that my credit would still be effected. A month later, my credit began to reflect XXXX LOANS reporting as 30 days late, significantly tanking my credit score. Despite writing letters and reaching out to customer service to clarify the inconsistent documentation I received, Navient still denied fault of this issue. A supervisor later finally agreed to listen to the previous recording and determined that the representative was in the wrong for the information shared on the account and stated they would submit documentation to have my credit report corrected. He stated to me directly that this would be fixed by XX/XX/10. Nonetheless, a different department later denied that request as well. Finally, after requesting the documentation and the call recordings from my conversations with Navient, the company has continually refused to provide me with those items in order to resolve this matter fairly. After months of reaching out to the companys ombudsman, I have yet to receive any kind of fair resolution or a call back. Thus, still greatly effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I inadvertently sent {$650.00} from my Well Fargo bank checking account via their person-to-person system, XXXX, to the wrong person. A single phone digit was entered in error, thus sending the money to an unknown person. I alerted Wells Fargo, whom then filed a claim. Well Fargo contacted the receiving institution, XXXX, which has not respond to Wells Fargo. I contacted XXXX and was told the receiving person has not responded and to continue working with Wells Fargo. Well Fargo advised the funds may not be recoverable. I've read regulation E and it seems this type of errant transaction should be covered. Any assistance is appreciated.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
INCORRECT MARKED LATE PAYMENT AGAINST ME WHILE IHAVE BEEN UNDER A LOT OF STRESS, I THINK THEY ARE WRONG XXXX A PAYMENT IS NOT MARKED LATE UNTIL 30 DAYS, I HAVE NOTHING LATE ON MY CREDIT FILE APART FROM XXXX AMEX  WHICH I OVERPAYED AND PAID EARLY IN XXXX.THIS IS CAUSING A GREAT DEAL OF ADDED STRESS AND AMEX ARE NOT ACCEPTING A MISTAKE. 
SUPPLIED MY PRESCRIPTION AND COUNSELLING FOR XXXX / XXXX PAYMENT DUE XXXX XXXX PAID XXXX XXXX XXXX EARLY PAYMENT DUE XXXX XXXX PAID XXXX ( LATE XXXX ONLY ) PAID PAYMENT DUE XXXX XXXX PAID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have called Equifax 4 days in a row because they will not remove the freeze on my account. They say they have two freezes and that the company I applied for a loan should use my old address.

I have advised them of my new address all four times. And to no Avail. I would like to have this freeze off my account altogether because it is hurting me more than helping me. 

The last reference number I received was XXXX. I have four other numbers they gave me for the same thing. This makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: FL

Complaint narrative:
Hello, please see documents attached for more details. I hope you can help me.

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 2023-10-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Our business has a longstanding relationship with American Express and we run millions of dollars worth of business through them. For many years I have purchased XXXX XXXX {$50.00} pre-paid gift cards to give to employees as gifts. I usually buy $ XXXX worth at a time. They come in individual sealed envelopes and we give them as gifts in these envelopes. This year we had a number of people tell us that, when they went to use the cards, they had already been used. I can't imagine how many other people were too embarrassed to even tell us they had this problem. After extensive phone conversations with XXXX XXXX it was obvious that they would not rectify the situation. I explained that their computer system must have been compromised as these cards were never out of the envelope before they were gifted. They told me that I should get the cards back from the people and contact the stores where the cards had been fraudulently used. I was incredulous that this was their response. I stated that I wasn't even going to ask them to cover the cost I incurred by having to pay these people with cash when their cards failed to work. All I want them to do is take back the unused cards we have and replace them with new ones that work. They said they would not be willing to do that and would not refer me to anyone else in the company to appeal this decision. They could not have been less interested in our problem. Looking online it is apparent that many others have experienced the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( XXXX, EXPERIAN, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a XXXX complaint, lawsuit. 

.

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 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On or around XX/XX/XXXX I noticed my account said a payment was posted for approximately XXXX from a refund, I was expecting XXXX the actual dollar amount was not reflecting my balance causing a concern. I reached out and was told that its not showing because they had to wait to receive some sort of release from merchant and that it should reflect on my account by XX/XX/XXXX. I work and receive all deposits to my account. So, I calculated all of my work deposits and other sources of income from XXXX XXXX XXXX and they did not place my XXXX refund to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation