vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 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: Nelnet, Inc.
State: OH

Complaint narrative:
In accordance with The fair credit reporting act Total number of XXXX DEPT OF ED / NELNET accounts Closed on XX/XX/2020 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 2 it also States a consumer reporting agency can not furnish an account without my written instructions. This company was unable to furnish me with my original contract these accounts should not be reporting I have never attended school or signed up for any loans for college these accounts are not my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Two {$5000.00} wire transfers that occurred on XX/XX/2023 Total loss {$10000.00} I originally reached out to Wells Fargo fraud department on XX/XX/XXXX when i noticed my phone was hacked by someone in another state. This person drained my bank accounts fraudulently. I reported this as soon as i was able to get onto my phone as i was being hacked i was unable to use it. I reported every dollar that was stolen from my account. Wells Fargo had me on a roller cycle ride for nearly 2 months. They were reversing funds and moving money between my multiple bank accounts. They made it so confusing i couldnt keep up with whatever they were doing. I repeatedly went to the bank to have a banker help me bc i couldn't get a straight forward answer from anyone in the fraud department. As of today some of my money was returned, but not all of it. They will not give me back the wire transfers of 10k that were done on my account on XX/XX/XXXX. There have been numerous excuses to why i wont receive my stolen money. The last letter sent was that the claim is closed and there is no money to replace what was stolen. They tried accusing me that i authorized someone to go into my accounts and steal my money. At the end of XXXX i received a call from XXXX the case manager from Wells Fargo that the wires were going to be put in my account, but they werent. I reached out through telephone and she tried telling me that there were no funds available to return my money back to me from the wire transfers. This money was stolen from my XXXX  XXXX XXXX XXXX bank account. I told XXXX i closed 3 accounts with them and i will be banking elsewhere bc my money isnt safe in there bank.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: RFNA, LP
State: TN

Complaint narrative:
This letter is to inform you that I still dispute this public record. After not receiving your response to my original dispute letter, I contacted the original creditor who was unable to verify this account as mine. 

In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt.

Because I still consider this public record as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this problem.

I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: NY

Complaint narrative:
Accounts in question : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX I want to inform you that these accounts were already deleted from XXXX since XX/XX/2023. XXXX and Experian still contest that they were accurate and verified in their second investigation. I do not agree with their results. I know for sure that these accounts don't belong to me and I need them to remove these entries from my credit report right away.

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 2023-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
I recently saw my credit report and saw a collection agency who has never reached me or sent me anything proving I owed money placed a debt on credit report without my knowledge I do not owe this money to this company please delete immediately

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I would like close the savings and checking account with navy federal after pulling funds from my account with out notice. Due to there taking the funds, it sent my account into over drawn status. Now they refusing to close the account with out me first paying the amount which I am not going to do because it had enough funds to satisfy the transactions before hand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MO

Complaint narrative:
I had an open case with Discover because of adispute and while so, Discover was supposed to refrain from charging interest. They charged interest before a decision was made on the dispute.First concern is the interest on the account. On XXXX Discover charged me $ XXXX on a statement ending XX/XX/2023, their decision on thedispute wasn't made until XX/XX/XXXX ( that I was responsible for charges incurred while being literally held up by scammers. I was threatened to purchase gift cards & then read the numbers ) XXXX, XXXX XXXX from the executive office of Discover financial services, stated in her letter dated XX/XX/2023 that quote, " We try to detect scams and decline any potential scam transactions or alertconsumers to potential scams before they occur. " Discover should take responsibility and be accountable for what happened to me because of the lack of scam detection. 
Discover is supposed to decline unusual transactions. Discover should have declined the transactions on a card that belonged to someone that historically does notcharge that large amount of money and in fact, about the same amount is put on thecard every month. I use Discover card mostly for monthly billing accounts and groceries. I pay the Discover bill in full every month. Discover should have declined the transaction when10 gift cards for {$500.00} apiece were being purchased. XXXX XXXXXXXX store in another town would only give me one {$500.00} gift card. I asked him why and he told me because it couldbe a possible gift card scam. He was aware of gift card scams. Had the XXXX store done the same, I would only be out the XXXX gift card. 
I have done some research and found that Discover is aware of gift card scams. When XXXX {$500.00} gift cards are purchased, on a card that does not charge that large amount, a credit card issuer who is aware of such a scam should have questioned the transaction, declinedit. 
I should not be held entirely responsible for this loss of money. 

XXXX made XXXX {$500.00} gift cards for me with neither XXXX or Discover questioning thetransaction. After XXXX, I got scared and didn't want to do it anymore. The amount of money made me mentally & physically sick. The XXXX store was local, it was raining, I was wet and inmy pajamas. I had been crying for hours and no one seemed to notice. 

I am requesting to speak to XXXX XXXX ' superior, please. I would like to get this resolved without Discover just washing their hands of this and it going away. Unfortunately, it won't just go away for me struggling to make payments & interest on {$6000.00}. I am on {$1200.00} SS, {$400.00} pension. I had XXXX and then a XXXX. My son lives with me and he is on XXXX. I just had to charge {$1200.00} to get my car fixed after weeks of waiting. How do they think this is going away. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Carvana Group, LLC
State: CA

Complaint narrative:
Improper or illegal advertisement of downpayments and installments, Lack of full disclosure, and no equal consideration of contract I had to pay a {$1000.00} downpayment when purchasing from this company which is not a customary sum for a down payment for this company which is a requirement according to the following U.S. code : 15 U.S. Code 1662 ( 2 ) - Advertising of downpayments and installments Stating No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state. 
( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. 

Carvana/XXXX put up nothing of value on their end so they had nothing to lose ( no equal consideration and lack of full discolsure ) I have reached out to XXXX via mail requesting a full accounting of my loan accounts but was denied and threatened. The following code shows the loan application that is tendered is equal to the amount of Federal Reserve note that the application is applying for. 
12 U.S Code 412 Application for notes : collateral required The second sentence of this code states : Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Hi, I signed up for a Citizens Bank One Deposit Checking in early XXXX and applied online with a promotional code that was accepted upon applying. ( XXXX ). The promotion was as follows : Get {$300.00} when you open your first new personal checking account and make a direct deposit of {$500.00} or more within 60 days. 
Earn {$2.00} for every debit card purchase you make, up to {$100.00} within the next 60 days. 

The agents on the phone confirmed that I completed both the direct deposit and the 50 transactions and specified that per the terms I should be paid by XX/XX/XXXX. Unfortunately, I did not receive the bonus and after calling three times and asking for information, I was told different reasons such as, the " promotion was not linked to your account '', " you had to go in branch '', etc. Agents were dismissive and did not want to resolve the issue. 

In fact, this promotion seems to run all year round as I can still find it at XXXX : XXXX? XXXXXXXX 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: EdFinancial Services
State: IL

Complaint narrative:
My loans are with EdFinancials, I applied and was approved for the SAVE plan and when I went to make my first payment in XXXX, everything seemed to be fine, but then I saw the payment was reversed. Then on XX/XX/XXXX {$410.00} was taken out of my bank account. I contact EdFinancial three separate times since the payment was not being reflected on my account. I was told to submit a ticket, I did on XXXX. Then I was also told that the proof I provided ( my account showing the amount, date, time ) details of the withdrawl it was not enough proof. I deactivated my AutoPay and decided to just pay myself every month. I went to check my statement and again on XX/XX/XXXX {$410.00} was taken out of my account and AGAIN is not showing on my account at all. Although all of the representatives I have worked with have been kind I am not getting any answers at all. It's clear that the Dept of Ed is not showing my acceptance of the SAVE program because the amount that's being taken out was my original amount due before I applied for SAVE. EdFinancial has been BEYOND unhelpful and it is so frustrating to see the money being taken out yet not applied to my balance whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
I was trying to dispute {$100.00} out of this following transaction - XXXX  XXXXXXXX {$320.00} Amount Merchant NameXXXX XXXXXXXX DateXXXX XXXX XXXX  I called best Egg at customer service to dispute it, it's a nightmare to dispute a transaction, for for my future XXXX  or any of the big transactions I will stop using best Egg credit card. 

I wanted to dispute this transaction because it was a nightmare living at this XXXX  and there were lots of amenities which were missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/2023, a Certified letter was sent to Experian demanding they DELETE outdated addresses and inaccurate names from my Consumer Report and no response. 

On XX/XX/2023, Experian responded stating they're still working on my issue. 

XX/XX/2023, Experian responded stating they won't remove one or more sources of information reported because the address I questioned to be deleted is part of my credit history, and my complaint was closed with NON-MONETARY relief. 
I provided feed back to Experian on XX/XX/2023. 
I then proceeded, to dispute the addresses and names online with Experian on XX/XX/2023, with Experian only updating the disputed information. 

On XX/XX/2023, I sent Experian a Certified Mail Letter With Return Receipt, for the second time demanding the items be DELETED from my Consumer Report!!

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 2023-12-04 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: NY

Complaint narrative:
I have tried for several months to contact NELNET and I can never get anyone on the phone. I've tried doing auto payment and my payment keeps getting declined. I believe they want you to pay the minimum statement amount in order to keep incurring interest charges. Every time I pay more than the amount requested my payments declined. I would to get this resolved but can't get anyone on the phone. I'm thinking they are not accepting it because that minimizes the interest money they will receive. I wish I could get my student loan transferred to another company. This is so frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Vehicle was repossessed only after company failed to explain and offer payment arrangements. 

Once vehicle was sold, remaining balance was significantly more than it should have been. 

Company refused to produce documentation showing that reasonable attempt to sale at value ever took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start investigating these accounts that I am never late for but are reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
On XX/XX/2023, we were notified that XXXXXXXX XXXX sold our mortgage to Carrington Mortgage. On XX/XX/2023, we received our monthly mortgage statement and it said we owed for XXXX and XXXX on XX/XX/2023. On XX/XX/XXXX, we received a delinquency notice stating we didn't pay XX/XX/2023. This makes no sense! How is this possible? 

I called and spoke with XXXX of Carrington on XXXX XXXX, 2023, who said they would not remove us from delinquency status after I requested them to do so. She said that we were due XX/XX/2023 even though our first mortgage statement says XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: IL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-12-04 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: FL

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX - {$5300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$6000.00}

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 2023-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
When I checked my Credit report I noticed there were multiple unauthorized accounts that I were unaware of and that impact my credit negatively. Also due to 15 U.S Code 1681b which states that no credit reporting agency can furnish anything to your credit profile without any written signature from the consumer to whom it relates too. In which I have asked for this proof from these agencies multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
It's not exactly any of the options you had displayed. 
I have been paying on this debt since XX/XX/XXXX XXXX  or before. I pay {$100.00} a month on this debt. They went to court and now like to send out messages that they will start garnishing my checks. I have been able to prevent that from happening. I am now XXXX and unemployed. My bank account was recently compromised by a scammer and I had to have a new account number. I had been with this bank for over 30 years with overdraft protection. When the bank opened a new account they did not add the overdraft protection. They said it took 90 days. ( Really when I had been with them for over 30 years ). So this payment was made to the collection agency online and my bank refused to pay it. I called the bank and they reinstated by overdraft protection and asked that this company send the check through again. I had already made other arrangements to pay this. I agreed to pay {$200.00} at the end of XXXX. I went to make the payment online and I could not. This collection agency said the check had been returned and they could no longer let me make payments online and because of the amount of time this account has been open. This was on XX/XX/XXXX. When I talked to the collection agency the middle of XXXX they said there would be no problem. I'm sorry but this is wrong!!! They say I need to call in and wait on hold for 30 minutes to an hour to pay this or get a money order since I no longer use checks. I disagree. There reason for not letting me pay online is totally bogus.

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