vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 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: CA

Complaint narrative:
I have been in XXXX XXXX  since XXXX, first recieveing my XXXX XXXX XXXX XXXX XXXX  then beginning my XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX. During the summer of XXXX, I was informed that my student loans were transferred to NelNet. NelNet then informed me that I needed to start making payments on my loan, only XXXX XXXX XXXX XXXX XXXX XXXX graduate program. After calling and asking questions, I submitted a Graduate Fellowship Deferrment Request in early XXXX of XXXX. I never recieved any notice of the form being recieved or processed. In early XXXX I recieved notice of an overdue payment, so I called NelNet about my deferrment. The customer service agent informed me that I would need to resubmit the form as the files were corrupted, and appologized that I hadn't recieved notice, citing the restart of payments as the cause for delay in processing my form. The agent then placed an administrative forebearance on my account to pause payments for processing, which I was informed could take up to 90 days. I never heard anything until recieving notice of another payment being overdue in XX/XX/XXXX. I called NelNet again and I got the same story from the customer service agent, only after I was told first that I had never submitted my form, and they had no record of me ever attending graduate school. They specifically stated that the last record they had of me was of my graduation from my XXXX in XXXX. The agent then assured me that they would resubmit my form and contact the department responsible to be sure that I recieved status updates, and that my account would be placed under forbearance again. This call was at the end of XXXX, and I still have yet to recieve notice of the status of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This company has not sent me any verifying information on this alleged debt. I had requested the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves creditor has suffered a loss, a copy of the 1099c that was filed when they charged off the account, the truth in lending disclosures, the opt out disclosures and much more. To date they haven't even given me the truth in lending disclosures to verify this alleged debt. Thus proving that they are in violation of both the Fair Debt Collection Practices Act and 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 non-monetary relief
Consumer complaint received 2024-03-16 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
We traded our car, and we authorize the dealership to only do wine, credit inquiry, and they did XXXX. Please remove them immediately, because now my credit went down almost XXXX points. 
The dealership says they can not do anything, and that they didnt realize, that they were trying to find us the best possible rate. They say theres nothing they can do. Im extremely upset because he took me years and years to be my credit. Please remove all the credit Hits/inquiries for an auto loan. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have false information on which XXXX, XXXX, and TransUnion are reporting on my credit reports. I have NON MAILABLE ADDRESSES on my reports, False Names, Invalid Phone numbers, etc. I was XXXX since XX/XX/XXXX to XX/XX/XXXX in which I will provide documentation. I will also provide documentation of my name and proof of address that is MAILABLE. XXXX, XXXX, and TransUnion Are in violation of the Privacy Act of 1974, 16 CFR 313.1, 15 USC 1681, 15 USC 6802. I shouldnt have anything on any of my credit reports due to the fact that I was Incarcerated. This needs immediate attention as I cant access XXXX for the XXXX XXXX and XXXX XXXX documents I need due to inaccurate reporting by XXXX. I cant create Disputes with TransUnion and XXXX due to the fact that the information requested is unverifiable. I am not able to access anything due to verification processes that are clearly 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 explanation
Consumer complaint received 2024-03-16 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: CA

Complaint narrative:
I have false information on which XXXX, Equifax, and XXXX are reporting on my credit reports. I have NON MAILABLE ADDRESSES on my reports, False Names, Invalid Phone numbers, etc. I was XXXX since XX/XX/XXXX to XX/XX/XXXX in which I will provide documentation. I will also provide documentation of my name and proof of address that is MAILABLE. XXXX, Equifax, and XXXX Are in violation of the Privacy Act of 1974, 16 CFR 313.1, 15 USC 1681, 15 USC 6802. I shouldnt have anything on any of my credit reports due to the fact that I was Incarcerated. This needs immediate attention as I cant access XXXX for the XXXX XXXX and XXXX XXXX documents I need due to inaccurate reporting by XXXX. I cant create Disputes with XXXX and Equifax due to the fact that the information requested is unverifiable. I am not able to access anything due to verification processes that are clearly inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In XXXX of XXXX I opened a credit card account with XXXX XXXX XXXX XXXX XXXX ( XXXX ). This card appeared on my credit report continuously until approximately XXXX of XXXX. In the spring of XXXX there was a data breach at my employer, XXXX XXXXXXXX XXXX which is affiliated with but separate from the credit union. My information was leaked in the data breach so I placed an extended fraud alert on my credit report, which should not have removed any legitimate accounts from my report and should only have required that I be contacted to verify any new accounts. Despite this, all three credit bureaus incorrectly removed the XXXX credit card from my report. I have called and written to all three credit bureaus several time providing information that the account is legitimate, as have representatives from XXXX on my behalf, but all three refuse to even respond with anything but an automated letter that does not address the issue. At this point the credit bureaus are knowingly misrepresenting my credit history and have more than enough proof that the missing account is legitimate.

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 2024-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Medical, incorrect already been removed from credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: Nelnet, Inc.
State: AL

Complaint narrative:
Starting in XX/XX/XXXXXXXX, I consolidated all my loans to one payment. The consolidated company I use was XXXX XXXX  they have all my student loans balance. 
In XXXX XXXX my loan was XXXX in all and transferred to Nelnet. 
In XXXX XXXX XXXX XXXX assist me with the PSL program and that's when my loan transfered to XXXX. 
The end of XXXX was time to recertification for PSL, and income driven payment. 
I was late turning it in trying to use the self service portal, so I end up calling the Department of education to see if I can be approved for a payment plan until my income driven plan kicks in. That's when the representative said she can defer me and I will not have to make a payment for XXXX. She said the payment plan will kick in XXXX. She stated I can call and remove it with out it affecting the payment plan. I check my credit again in XXXX I noticed an extra XXXX on my credit report with both companies still with the account open. I call Nelnet it says no account available with that name. XXXX says Nelnet has to close the account with the creditor because XXXX is over the loan now and that's considered duplicates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I established and funded two BMO Alto savings accounts from multiple sources between mid-XXXX and midXXXX XXXX. The total balance of the two accounts was approximately {$110000.00} by mid-XXXXch. In MidXXXX I initiated two transfers totaling approximately {$100000.00} to another institution.Very shortly afterwards I received email notifications stating that both accounts had been frozen by BMO Alto. 

When I called to inquire I was informed that the reason for the freeze was " possible fraudulent activity ''. I find it highly suspicious that a fraud concern arose in two accounts coincidentally with only outbound transfers. 

A BMO Alto representative advised me that they required a copy of my government-issued ID and unredacted statements from my funding sources in order to unfreeze my accounts. I was advised that, if these documents were sent that same day ( Friday XX/XX/XXXX ), the freeze could be removed over the weekend. I complied and provided the documentation requested, though on reflection believe this was unwise because it invites the possibility of identity theft at the hands of an organization which was already behaving unethically. 

The next day I called several BMO Alto-provided phone numbers to inquire about the status of my accounts. Results ranged from an invalid number to a voicemail answering machine to a representative who said to call back on Monday. Researching on the internet, I was able to find many similar cases in which depositors were kept waiting for access to frozen funds for an extended period. The only advice I could find which seemed to have a good probability of having any meaningful impact was to file a complaint with the CFPB early in the process.

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 2024-03-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
online purchase from XXXX XXXX submitted purchase, withdrawal of {$66000.00} on PayPal credit card. called company XXXX within XXXX hours to cancel purchase. informed response from merchant " should have thought about that before submitting purchase '' called PayPal and started " Dispute, reply from PayPal inflator of merchant. they said company delivered produce to billing address. nothing delivered, merchant is lying. closed PayPal account until new 'dispute is inflator of client. this whole transaction has been nothing but a XXXX XXXX and transaction. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear CFPB, I hope this email finds you well. I am writing to urgently address an ongoing issue concerning my recent order of a XXXX XXXX XXXX from the XXXX XXXX. 

On XX/XX/XXXX, I made a purchase of a XXXX XXXX XXXX totaling {$920.00}, inclusive of taxes and fees. During the checkout process, I specifically selected the " Signature Confirmation '' option with the courier to ensure secure delivery, as indicated on my order confirmation. 

However, on XX/XX/XXXX, the scheduled delivery date, my package failed to arrive, and to my dismay, no signature was obtained as per the selected delivery option. Despite my persistent efforts to resolve this matter with both XXXX XXXX and XXXX, a satisfactory resolution has remained elusive. 

Of utmost concern is the fact that XXXX, despite being repeatedly contacted, has been unable to provide any proof of a signature for the delivery, despite its critical importance in this situation. Despite their standard practice of providing photographic evidence of delivered packages and obtaining signatures as proof of delivery, the documentation for this specific delivery only states that the package was " Left at Front Door, '' devoid of any photographic or signature evidence. 

Furthermore, I have made numerous attempts to address this issue with Syncrony Bank, the provider of the store card for my XXXX purchases. Regrettably, my claims for reimbursement have been summarily denied on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), with each response failing to acknowledge the necessity of concrete proof of delivery, particularly a signature. 

I am reaching out to request your urgent assistance in resolving this matter. Given the circumstances outlined above, it is imperative that we obtain conclusive evidence of delivery and take appropriate measures to rectify this situation promptly. 

Please advise on the best course of action to address this issue effectively. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your time and assistance. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am not aware of any theses accounts on my credit report and I've been asking the credit bureaus to have them removed but they are stalling the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Goldman Sachs Marcus froze my savings account and blocks any transfers from my account to my already-linked years-old externally-linked bank accounts. They say they couldn't verify my phone number which I used to call them - exactly the same phone number I have on file. They also promised to sent me a physical Affidavit of Identity which could be used to prove my identity, but that never arrived despite many days of waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: TX

Complaint narrative:
I was wondering why in the world is XXXX XXXX accessing my credit through soft inquiries. They have access my report XXXX times from XX/XX/year> to this month of XX/XX/year>? I also have other companies accessing my report without my information and feel that is why I believe my credit report has been used incorrectly. 
Thank you for your help.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Recently I saw late payments on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A hacker hacked my checking account in Bank of America, and the Bank said they are not responsible for this hacker 's illegal activities for stealing my {$2800.00} from my checking account. I am very curious about this because I think the bank should have security procedures to protect the depositors and customers.

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 monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MO

Complaint narrative:
XX/XX/XXXX i used atm in the amount of XXXX The next day their was atm withdrawal in the amount of XXXX and an attempt to withdrawal XXXX which was not me. I had my card in my possession at all times and noone has my number or pin. I immediately notified Credit Karma about the situation and had my card closed I also made a police report. 4 days later Credit Karma denied my fraud claim. With no explanation of why. The police inform me that it was most likely a skimmer on the ATM machine how can they make a determination before the police even finish their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: CA

Complaint narrative:
In accordance with the Fair Credit 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: CA

Complaint narrative:
In accordance with the Fair Credit 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 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