vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I signed up for an Apple Card ( issued by Goldman Sachs ) for the sole purpose of its advertised use- to buy apple products with 0 % financing for 24 months, with the option to trade in an XXXX after 12 payments with the value of the phone being deducted off the purchase price. This worked well, and I was planning to upgrade to a new model. However, Apple and Goldman Sachs changed their terms, materially, earlier this year, while still advertising the product as it was originally conceived. The new terms require a cell phone plan with only a choice of the largest 3 carriers in the US. Apple says you do not need to keep it on that plan, but one is required for purchase, using the monthly installments. This leaves people like me who were relying on Apple to keep their promise in a situation where a new phone can only be purchased with a big 3 carrier plan, whereas before, it could be purchased " on any carrier '' - which is still the case, but not with the monthly installments, which was 90 % the reason for me getting the card. This anticompetitive behavior hurts consumers who do not want to pay extremely high fees for a " big 3 '' carrier plan. It also means consumers that relied on this are stuck with a device that will be depreciating in value until the term of the payments is complete, or who take a huge loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: VT

Complaint narrative:
I applied for a mortgage through a local lender and they brought to my attention that my student loans are reported to XXXX as in collections by Nelnet even though they have been in good standing for over three years and the collections issue has long been resolved. 

This issue has not only been negatively impacting my credit score and my consumer credit report for over three years but it has also prevented me from being able to purchase a home and take out other forms of credit, it has incorrectly increased my debt-to-income ratio and has caused significant financial hardship due to Nelnet 's negligence in properly reporting my student loan status. I have attempted to contact Nelnet to get this issue resolved as the mortgage loan process can not go forward until this issue is FIXED BY NELNET and it is impossible to get through to a person in their company. I have attempted to call three times in three days and it is always at least a 90 minute wait if they answer at all. I have yet to actually speak to a person at this company. 

My loans were transferred to Nelnet from Great Lakes and they are by far the worst student loan servicing company in existence. Why would they take on these additional loans from another servicer if they clearly did not have the capacity to actually service them and provide any semblance of customer service support? I will be seeking legal counsel if Nelnet is unable or unwilling to fix this issue that they created.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XX/XX/2023, the company XXXX XXXX XXXX came out and did a demonstration. I liked what they had to say so I said I would purchase the product. The agreement was laid out stating that if my credit was good, I could qualify for 0 % interest over 60 months, which I qualified for. The agreement states that all work will be done by said contractor and payment will be made to said contractor. I signed the agreement and was told that there was an opening for installation in three days. I agreed. The total bill came to {$5900.00}. I received an email from Wells Fargo saying congratulations on your new credit card. I called them immediately because I thought someone had fraudulently opened a card in my name. They told me it was done through XXXX and the line of credit was {$6600.00}. I told Wells Fargo that I did not authorize a line of credit and had them cancel the card, however it did not cancel the amount owed. I contacted XXXX XXXX and explained to them that I did not authorize a line of credit through Wells Fargo and they told me that I sighned the contract ( Agreement ) authorizing the charge. I explained that I would not have authorized a line of credit because my husband and I are trying to open our own business and a line of credit could have us denied the loan from the bank. They said because I signed the contract there was nothing I could do. I have contacted a lawyer for legal advice. There is no contract between myself and Wells Fargo. I did not authorize Wells Fargo to open a credit card or line of credit, and I did not authorize XXXX XXXXXXXX to open a credit card in my name. I never talked to Wells Fargo regarding this line of credit prior to it being opened. It was never disclosed to me that Wells Fargo would be opening a line of credit/credit card. Now I am stuck paying for a line of credit for {$5900.00}, and if I do not pay it, it will affect my credit score and any possibility of getting a loan to open our own business.

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 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MN

Complaint narrative:
I was scammed by a fake XXXX XXXX  company late XXXX. I called US Bank to dispute the charge but they denied me after not receiving a letter in the mail. I called a few days ago, reopened the case and had the letter resent but they charged me {$100.00} anyways sending me into a negative balance and unable to pay bills. Today I called and they hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a closed credit card with Wells Fargo Bank, Made two payments unable to pay on line due to the amount. On line banking has not changed to show that the two payments were received XXXX. On line banking is showing we still owe and I am getting phone calls about the payments. Tried calling got no 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 2023-09-22 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: NJ

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

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 2023-09-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: MI

Complaint narrative:
Sallie Mae has been calling my co-signer 's place of work and leaving personal finance information. I called Sallie Mae on XX/XX/XXXX  and requested they stop calling that office, and even provided updated contact information. They have continued to call her office, and it has now put her at risk for termination because it is disrupting the work place. Sallie Mae also calls my co-signer 's husband 's cell phone, threatening to take money from his bank. He is not on the loan ( s ) at all. Sallie Mae also called me and my cosigner more than 7 times in 7 days, using multiple numbers. When I agreed to a payment plan, there was a pending transaction in my bank on XX/XX/, but the transaction fell off and nothing went through. I confirmed with my bank that if they showed up as a pending transaction, then they could charge my checking account. Instead, Sallie Mae backed out of the transaction before the XX/XX/XXXX  due date, did NOT call me, then later, in XXXX, said the banking account zip code was incorrect, and they were disqualifying me from the repayment program. On XX/XX/XXXX  I received an email late in the day saying there was an issue with payment, but I did not get a call or other correspondence, even though I set up the payment by phone with their agents before XX/XX/. I also scheduled 2 additional payments, showing I was committed to the payment plan. Last time I spoke to Sallie Mae on XX/XX/, they offered a settlement around {$25000.00} which I can not afford ; their second resolution offer included a {$7000.00} down payment, reducing my interest rate to 0 %, and allowing a payment less than {$200.00} per month. I am willing to do a payment plan for less than {$200.00} per month, 0 % loan interest, and {$0.00} down payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: Radius Global Solutions LLC
State: KS

Complaint narrative:
I, XXXX XXXX, did not make a purchase nor receive any goods on this account and dispute this debt. I have called and tried to resolve this with XXXX and they expressed they gave me XXXX information for now 9 months and now 9 months later tell me when the debt is with a collection agency that they have a proof of delivery which is absolutely impossible as there was no delivery of any products or any purchase from myself and no one has access to my information at this time or ever. This was fraud and I reported it as such as soon as possible and tried on so many different dates and occasions to resolve this. I want this account closed and this off my credit.

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 2023-09-22 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: NE

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

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 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I made a payment of $ XXXX from my business account on my card. 

Unknown to me, Cardmember Services tried to verify the account the payment came from, which was XXXX. Since they couldn't verify it, they closed my account. 

I called on XX/XX/23 to inquire about my account and was instructed to fax over bank statements corresponding to the payment. I did so and checked back over a week later and was told they never received them. 

When I mentioned to the rep I spoke with that it was a business account I paid from, she instructed me to fax over a different set of documents, which I did. 

When I followed back up, and finally got a supervisor on the line, she said there was no point in sending in the documents because my account had been closed since XXXX. She then told me it was my fault for not contacting them sooner.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian sends me monthly notifications to my email because I pay a monthly monitoring fee. 
Each month they have my balance incorrectly reporting. I told them repeatedly of my due and close dates on accounts. They either pull them at the wrong dates or report higher balances than I obtain after my close dates. 
I have constantly tried fixing this issue only to be transferred over and over and even spoken to rudely and hung up on.

My score has plummeted over 100+ points due to their negligence and I have been denied housing due to this.

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 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have boa credit card - XXXX XXXX XXXX XXXX - i consolidated credit from another credit card in XXXX by paying full as it has higher interest and credit limit was transferred to this credit card. My credit limit was XXXX - and i have been making minimum payments and using this credit card from past 1 year. This acct has been open since 15 years. BOA reduced my credit to XXXX as it is lower fixed interest rate credit card. Also they did not pay me the better rewards balance on all of my 4 credit cards that I have. I am supposed to get XXXX $ for all 4 of them after they forcibly transferred to another unlimited cash back rewards credit cards without my consent.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
THESE ARE ACCOUNTS AND HARD INQUIRIES I DO NOT RECALL : ACCOUNTS : 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 XXXXB XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My disputes are not being processed correctly. I have been a victim of identity theft and I sent the FTC report to the credit agencies. They are not attaching the paperwork I filed according to the FCRA. And I am not getting copies of the verification process per the FCRA>

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: NC

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. This reporting is in violation of my rights in accordance to HIPPA laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
there are in my credit report inquires i did not authorize

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 2023-09-22 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: DISCOVER BANK
State: PA

Complaint narrative:
there are in my credit report inquires i did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I contacted this business and asked that they credit my account {$16.00} and close my account. Per XXXX XXXX XXXX online customer service, my account should be credited 3 to 5 business days. I have attached the chat transcript. My balance should now be XXXX, but this company refuses to credit my account... I have paid all interest charges and the balance left over is from merchandise that I returned that I never received

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: FL

Complaint narrative:
I applied for an Income-driven repayment plan on studentaid.gov on XX/XX/29. According to studentaid.gov, it was already processed and accepted by my servicer ( Edfinancial ) which is not the case. I can find no indication of it anywhere on my Edfinancial account, and they still have me on my original repayment plan. It's been almost two months so I ended up applying again a couple of days ago, but with payments restarting soon I worry it won't be processed in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A male individual who presented himself as a Wells Fargo customer service employee called me from the Wells Fargo customer service number claiming there was a wire transfer and XXXX transfer attempting to be sent from my account to an individual that I did not know nor did I authorize either of the payments. 

The individual told me due to the nature of wire payments that they would be processed so I needed to send reversal wires in order to retrieve the funds back in my account. Individual walked me through setting those wires up on my phone and even asked security questions that a normal Wells Fargo employee has asked me in the past. Once the reversal wires were sent by me I got another call from Wells Fargo customer service representative a couple days later asking me if I sent the wires and I said yes because thats what I was instructed to do by who I thought was a Wells Fargo customer service employee. Thats when they told me a customer service rep wouldnt have advised sending a reversal wire and I knew I had been scammed. Filed multiple claims with Wells Fargo to retrieve the money back into my account but Wells Fargo said they cant do anything because the wires came from my phone/IP address on the account technically.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
I applied for a mortgage through a local lender and they brought to my attention that my student loans are reported to Equifax as in collections by XXXX even though they have been in good standing for over three years and the collections issue has long been resolved.

This issue has not only been negatively impacting my credit score and my consumer credit report for over three years but it has also prevented me from being able to purchase a home and take out other forms of credit, it has incorrectly increased my debt-to-income ratio and has caused significant financial hardship due to XXXX 's negligence in properly reporting my student loan status. I have attempted to contact XXXX to get this issue resolved as the mortgage loan process can not go forward until this issue is FIXED BY XXXX and it is impossible to get through to a person in their company. I have attempted to call three times in three days and it is always at least a 90 minute wait if they answer at all. I have yet to actually speak to a person at this company. 

My loans were transferred to XXXX from XXXX XXXX and they are by far the worst student loan servicing company in existence. Why would they take on these additional loans from another servicer if they clearly did not have the capacity to actually service them and provide any semblance of customer service support? I will be seeking legal counsel if XXXX is unable or unwilling to fix this issue that they created.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My VentureOne credit card from CapitalOne Bank ending in XXXX have disappeared from ALL THREE credit reports, I have contacted CapitalOne Bank and advised them of this issue since the beginning, they keep saying it will get resolve in the next billing cycle, but It has been several months with no resolution to this issue, and to why this credit card suddenly disappeared and no longer being reported to ALL THREE credit bureaus.

Account is in good standing, never late opened back in 2016, one of my oldest credit cards, my credit score went down several points due to this card no longer being reported to the credit bureaus ( XXXX, XXXX, XXXX ) I also wanted to mention I have added my husband as an authorized user ( Manager ) on this same account and also for him this card is not being reported on his credit report.

Company response to consumer: Closed with non-monetary relief