vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Summit A*R, Inc.
State: MN

Complaint narrative:
They are reporting an account on my credit report without notifying me, I sent them a validation letter last year and they never sent a response, as they didn't, I asked them to stop collecting and reporting, I don't pay anything that is not proven, now in my report it comes out that they have reported this incomplete account, there is no date of my last payment and they say overdue by default this account is overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I was impacted by XXXX and couldnt pay my car loan payment. The car was repossessed and auctioned. I was told that the amount the car was sold for at auction would be applied to the balance I owed but that didnt happen. The account went to collections for {$4000.00} more than what the original price of the car. Also, I had gap insurance that paid the loan company in addition to the money gained through them auctioning the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
A fraudulent credit card account with XXXX XXXX ending in XXXX I have tried several times to dispute this with the credit bureau and the issue with no resolve they have refused to remove the identity theft item from my account I have provided police reports and everything required by federal law to have them blocked/removed from my report. they are in violation of the Fair Credit Reporting Act

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 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CHARLES SCHWAB CORPORATION, THE
State: IN

Complaint narrative:
I just noticed that Overdraft protection feature on my Charles Schwab Checking account was enabled without my consent. After I talked to the bankers, I was informed that the feature was automatically enabled for all customers unless customers reached out to the bank to remove the feature. Most banks offer the option when customers sign up the account. In addition, customers can check that status on their online banking. However, with Schwab, customers are not offered the option when opening the account. And customers can't check and remove the feature online themselves. Schwab creates extra burdens and obstacles for customer to opt out overdraft feature, which potentially harm customers ' interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: CA

Complaint narrative:
I received a prepaid AMEX gift card from my employer a few years back. I want to use it now since the expiration date is within a few months. 

However, this virtual card was declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXXXXXX XXXX - no one will take these cards. 

I called AMEX customer service and they could not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my four unusable virtual cards to a physical card. They can not offer me a refund. 

They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their card. My money is inaccessible. All I want is the total balance on my cards in cash/check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Back in XXXX of XXXX  i made severall purchases with XXXX and home depot the home depot charge of {$180.00} is a duplicate charge i placed an order from.home depot and homecdepot cancalled it and statrd they would give me my money back which they never did i checked my statements and nothing was ever refunded. I have explianed this to applevcard severall times only to be told that the charge is vaild they are not listening to me. 2nd charge is from XXXX for {$240.00} i upload and submitted documents severall times showing i returned the merchandise to XXXX i dont know what the problem is with this order i uploaded the tracking number showiing this returned to amazon XXXX {$170.00} XXXX XXXX apple card states the merchant gave a refund but when i look at my statements it says merchant denied refund and it does not show up added to my statemt. I dont know what the isdue is i have explained this severall times to apple card but yet they dont listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: MO

Complaint narrative:
On XX/XX/ after checking my mail from Experian about an investigation done for disputed inaccuracies on my credit report it has been brought to my attention that Experian did not perform a full investigation on the items that came back verified, which is unfair to me as a consumer, since their company plays a vital role in my reputation and credit worthiness and they assumed this role without any of my written permissible purposes.

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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Do not recognize inquiry from Capital One and XXXX on my XXXX credit report. Contacted the creditors and was instructed to dispute here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
MY LOAN SERVICE PROVIDER IS NELNET. Ive tried to Call my Loan provider several times before my first due date of my loan payments.. Never could reach anyone, i was waiting for a representative over 2 hours on the phone and then the phone called just ended abruptly. i also attempted to call XXXX XXXX and was on the phone for hours waiting for a representative to pick up This is unacceptable Ive tried on two different occasions w/ two different numbers to reach Nelnet XXXX XX/XX/XXXX & XXXX  on the phone for almost XXXX hours on XXXX call and XXXX min on another call just trying to reach them and the same exact occurrence happened where the call just ends after waiting so long. I am absolutely Livid! How am i suppose to get in contact with my provider if i cant even reach them on the PROVIDED phone number they give in order to reach them. All of their phone automated recording try to direct me to go online, NO i need a person and i should be able to reach one. I wish my loans NEVER transferred to Nelnet! I shouldnt be forced to make payment towards something i am trying to get help with. 

I did some research and sooo many people have the exact same issue. I dont understand how you can be a provider but NOT PROVIDE. 

I have also spoken with the Consumer Financial Protection Bureau, They have gave me general information and options on how to possibly resolve my concerns and i appreciate with everything the help they have provided for. Which led me to filing this complaint, very much needed complaint indeed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
My mortgage is through Shellpoint Mortgage Servicing, and on XX/XX/XXXX my property had a damage which insurance deemed a total loss, therefore we settled to have insurance payoff the mortgage. My attorney requested a representative from the mortgage company be at the sale of the lot to endorse the check and they were non compliant. We also submitted the 3rd party forms for them to speak directly to my attorney and have still not heard back and that has been over a week ago. The lack of response is putting the sale of the lot and final closing in jeopardy if they do not respond and comply in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: Experian Information Solutions Inc.
State: MD

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

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 6802 ( a ) financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information,

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 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am an USAA member and on XX/XX/2023 I made a transfer from my XXXX account to my USAA account in the amount of {$50.00} followed by another transfer in the amount of {$25.00} using the USAA app. 
I was using my USAA card to pay for a hotel room and my card kept getting declined for the amount of {$160.00} when my balance was {$200.00}. 
I noticed then that USAA was placing holds on my deposit transfers, so I had to pay with another card. 
I checked my XXXX account and funds were paid to USAA on XX/XX/2023 but USAA placed a hold on those two transfers of {$25.00} and {$50.00} until XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: ND

Complaint narrative:
XXXX  XXXX XXXX and Transunion are violating my rights. I am not on that account, I was long ago removed from that account last year and, I was only an authorized user on another individuals account. This was not my account. I was removed from the account when account was in excellent standing. Transunion is reporting false incorrect information regarding a charge off of {$3000.00} from XXXX  XXXX XXXX. This is an illegal attempt to keep my credit scores down and report false info to damage my credit. I am not part of this debt, liable for this debt, on this account or involved with it. This is definitely not the 1st time XXXX  XXXX XXXX has tried to use its power to illegally rob a citizen like they were above the law. They should be fined for obvious illegal tactics.

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 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
An account at Bank of America was opened in my name for {$29000.00} without my knowledge or approval, and it has had a direct impact on my finances, and I would like to be compensated for this error. I have reached out to the company, and they have reached out to me, but they said they couldn't verify me because I didn't have my complaint ID on hand.

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 2023-10-30 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: MO

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please remove it from my credit report. 


11. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-10-30 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: Avant Holding Company, Inc.
State: CA

Complaint narrative:
XX/XX/2023 I received information via email regarding a credit card application that was submitted to Avant, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX. This complaint is regarding an unauthorized fraudulent activity that my credit agency have notified me with since they declined Avant the company. I, the consumer and owner of the credit personal identifiers ( social security number, and name and other associated identifiers ) did NOT send this company a credit card application. I have already notified a customer service representative from Avant about the fraudulent activity and they said to send and email to XXXX which the consumer have already done so within the same business day. Please do not contact the consumer again nor send an application for a credit card without consumer consent in writing with a legal wet signature with proof of legal ID. There are too many fraudulent digital credit card companies since covid and this company activity from Avant is one of them.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit 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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
this information is not mines!! my identity was stolen.

Company response to consumer: Closed with explanation