vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX XXXX : Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX ( the XXXX ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. Money was transferred from my account via wire transfers, and through XXXX named XXXX and XXXX in the total amount of XXXX USD utilizing Truists services. When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Truist Bank did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Truist Banks custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Truist Bank promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Truist Bank was in compliance with its own policies and procedures ; ( v ) whether Truist Bank owed duties to myself, what the scope of those dutie

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 2023-12-18 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: IN

Complaint narrative:
XX/XX/23 - called to inquire about correcting name and setting up special pay instructions. Requested payment is applied proportionally to all loans rather than only to the loan with the highest rate. 

Payment is scheduled for XX/XX/23 but was pulled from my account XX/XX/23. All website information says payments are applied as directed within 48 hours. Called XX/XX/XXXX to inquire about updated name and payment application. Nelnet representative indicated they were behind and that it would take about a week to get information updated. She also indicated that every payment going forward would need to be manually adjusted to reflect special pay instructions as it the system was not capable of automatically applying and following the special instructions. 

After tracking payment status over the next several weeks as of XX/XX/23 the payment still has not been applied as directed. I waited on hold for 2 hours and 25 minutes to discuss this with a Nelnet representative. She told me that it will take 5-6 business weeks from date of payment to get this applied correctly. She also said that the XX/XX/XXXX was initiated prior to the pay instructions, though that is contraindicated based on my time line above. Payments can initiated 3 days before payment date, so the payment could have been initiated approximately on the XXXX ; I made the change by XX/XX/23 ( if not XX/XX/23. ) She also contradicted was the representative told me on XX/XX/XXXX, that going forward the system will apply the payment correctly. 

After having to call multiple times in a few months with no results, and never needing to call my previous servicer, I am not confident in Nelnet 's ability to appropriately and accurately service my loan. They are clearly overwhelmed and not prepared for servicing loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have sent numerous letters to the XXXX credit bureaus asking them to update my personal information such as my name, address and employment history. The XXXX credit bureaus have not updated my personal information. 


I have attached a copy of my driver license and current utility bill which reflects my current address as proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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:
I have sent numerous letters to the XXXX credit bureaus asking them to update my personal information such as my name, address and employment history. The XXXX credit bureaus have not updated my personal information. 


I have attached a copy of my driver license and current utility bill which reflects my current address as proof of identity.

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 2023-12-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I used my debit card and it was declined saying they don't support that kind of transaction from that company then i did a transfer from my spending account to a verified debit card and they declined it and made it to be a transfer from my debit card to my spending account which that wasn't the transfer i tried to do and they said they can't tell me nothing or close my account, they verified me when i opened it and i just want my money out the account before they trade it and invest it.robinhood will not do anything to resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Delete all errors on my files and reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have been a victim of a massive identity theft and sent all asked for and required documents to Amazon Chase and they told me I would have a new card with all charges reversed within 4 days and never followed thru. They closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: PA

Complaint narrative:
Delete all errors on my files and reports

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 2023-12-18 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: TN

Complaint narrative:
I am not liable for these debts. In accordance with the FCRA, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality un 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate my rights. 

*15 USC 1681 section 602 A. States I have the right to privacy.

*15 USC 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without any written instructions.

*15 USC 1681c. ( a ) ( 5 ). States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

*15 USC 1681s-2 ( A ) (! ). States A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please remove these adversely accounts which is injurious to my credit rating. I can't obtain credit and it's costing me thousands of dollars.

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 2023-12-18 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: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
HYUNDAI CAPITAL AMERICA IS REPORTING NEGATIVE INFORMATION ON MY CREDIT REPORT. THE INFORMATION THAT THEY ARE REPORTING PERTAINS TO A DEBT THAT I SUPPOSEDLY OWE THEM.

THE DEBT IN QUESTION HAS BEEN DISCHARGED BY THEM, THE CREDITOR AND I HAVE RECEIVED A 1099C, COPY B FROM THEM CONFIRMING THIS. ALSO HYUNDAI CAPITAL AMERICA HAS REFUSED TO STOP REPORTING MY TRANSACTION HISTORY AS I PREVIOUSLY REQUESTED. PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW RESCINDING ALL AUTHORIZATION GIVEN TO REPORT MY INFORMATION TO A THIRD PARTY AFFILIATE ; WHETHER WRITTEN, UWRITTEN, VERBAL, OR NONVERBAL PER 15 USC 6802, EFFECTIVE IMMEDIATELY AND INDEFINITLY. HYUNDAI CAPITAL AMERICA IS ALSO REPORTING A BALANCE OF {$1800.00}, ON AN ACCOUNT THAT THEY HAVE ALREADY WRITTEN OFF AND HAVE SENT A 1099C TO ME THE CONSUMER, CONFIRING THIS. THIS DEBT IS ALREADY DISCHARGED. THEY CAN'T COLLECT ON A CHARGED-OFF OR DISCHAGRED ACCOUNT. AFTER ALL, IT IS CONSIDERED TAXABLE INCOME AND INCOME CAN NOT BE REPORTED ON A CONSUMER CREDIT REPORT. I HAVE BEEN GOING BACK AND FORTH WITH THEM FOR MONTHS AND HAVE YET TO GET THE INFORMATION REMOVED OR UPDATED ON MY CREDIT REPORT. 
IT IS THE CFPB 'S RESPONSIBILITY TO HOLD THE COMPANY ACCOUNTABLE AND TO REFRAIN FROM ALLOWING THEM TO REPORT INCORRECT INFORMATION ON MY CREDIT REPORT. I AS THE CONSUMER EXPECT THIS ISSUE TO BE FIXED 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 explanation
Consumer complaint received 2023-12-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Refer to the attached documents. I urge the bureau to initiate an investigation into these accounts, as I am never late, but they are incorrectly reporting me as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly review the attached documents. I want the bureau to commence an investigation into these accounts, as I am never tardy, but they are erroneously reporting me as such.

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 2023-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My personal property was seized by this company on XX/XX/2023. Today is XX/XX/2023 & I have not received any letter stating they took my property, so I did some research to find out who had my car. I first contacted the police to report my vehicle stolen and upon doing that they did some research and informed me in their system my car was stating it was repossessed. Once I got in contact with the auto loan company they sent me to a company called Loss Prevention Recovery which then gave me information to the company XXXX  XXXX XXXX. XXXX told me they was hired by Capital one to seize my property and told me how I could go about retrieving my property and personal belongings. As well as I had 5 days before my car would be start the auction procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
We contacted Transunion LLC on XX/XX/XXXX to have inaccurate information that is publicly reported to be removed. They could not assist me with the issue and the Fair Reporting Act states that any inaccurate/unauthorized information reporting has to be removed. The inaccurate and unauthorized information are two inquiries on the account from " XXXX XXXX XXXX  '', on XX/XX/XXXX and " XXXX XXXX '', on 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 explanation
Consumer complaint received 2023-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
Dear CFPB, My name is XXXX XXXX XXXX. I have a hard inquiry on my transunion credit report from XX/XX/XXXX. Its a fraudulent inquiry. I did not authorize this to show up on my credit report and did not apply for a cfna account. On XX/XX/XXXX I called XXXX and spoke tXXXX XXXX XXXX  cancled the application and submitted a request to remove the inquiry from my credit reports. After waiting over 3 months, the inquiry is still on my credit report. I have made multiple attempts to dispute this with Transunion and they are refusing to delete this from my credit report.They told me its off of my report and sent me a credit report that shows the inquiry is still on there. Please assist me with getting this hard inquiry removed from my transunion credit report. 

I also have the same XXXX hard inquiry on my XXXX report from XX/XX/XXXX. XXXX has promised to remove the inquiry multiple times. They have already confirmed they recieve the request and its still on my credit report. Please assist me with getting this hard inquiry removed from my XXXXXXXX  credit report. 

Best regards, 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 2023-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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 2023-12-18 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: MO

Complaint narrative:
As experian notified me of XXXX STILL WORKING ON THE ISSUE complaints and they have closed another complaint that is exactly like the XXXX they are still working on or the XXXX other one 's they are still working on or the XXXX complaints they have closed without having addressed the problem which is Experian NOW has stolen almost 19 months of on time never late payments to XXXX and refuse to give them back

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 2023-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: South Mississippi Collection Services Inc.
State: MO

Complaint narrative:
On Friday, XX/XX/XXXX, South Mississippi Collection Service , Inc contacted me saying that I owed {$91.00} to XXXX XXXX XXXX This debt had been paid to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I sent them an email containing the payment receipt while they were on the phone, but they then said it was my responsibility to contact the debt originator despite having proven paying the bill. I contacted XXXX XXXX XXXX, and they assured me they had provided proof. When I contacted South Mississippi Collection Service , Inc, they refused to provide me written confirmation that my account with them had been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX charged the amount of {$1100.00} on my American Express Credit card. This charge is fraud, made by the merchant without prior notification nor permission from myself nor the other card holder. 

We entered into a XXXX lease agreement with XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX from XX/XX/XXXX XX/XX/XXXX. We returned the rental vehicles in XX/XX/XXXX and closed out the balance due before moving back to the United Stated. In XX/XX/XXXX, the charge of {$1100.00} was made without prior notification nor permission by XXXX XXXX, XXXX. This was XXXX ( XXXX ) months after the end of my lease agreement with XXXX, thus they no longer had Charge Authorization to process a payment on my card.

I submitted two separate charge disputes with American Express for this charge both of which they upheld the merchants ' claim. 

XX/XX/XXXX - XXXX charged American Express card without prior billing or notification. 
XX/XX/XXXX - Submitted dispute with American Express XX/XX/XXXX XXXX American Express denied the reverse charge request XX/XX/XXXX - Resubmitted the charge dispute with American Express XX/XX/XXXX XXXX American Express denied the reverse charge request

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The creditor is in violation of the federal bankruptcy law and refusing to update my credit report removing negative history and charge off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I got a debt cancellation in regards to a vehicle that US Auto Finance has and was paid off. I now have debt cancellation on a IRS tax bill and US AUTO Finance has filed XXXX XXXX XXXX. I have tried to contact this company and they are out of business. Now there is no number to contact anyone in regards to this information. This company is stating that I owe them an excess amount of {$12000.00} and I have no proof. I have no way of seeing how this is owed. This company has been filed and I am confused as to how I owe a company that filed bankruptcy. At this time I seek monetary payments because I have to pay for a debt that isn't verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I've been a victim of a massive identity theft and have provided all asked for and required documents and they have still not reopened or refunded my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: PA

Complaint narrative:
Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the XXXX going through it, unfortunately I was robbed at knifepoint while picking my dog up from XXXX and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, XXXX  I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief