vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX my husband and I called Nelnet to request an Administrative Forbearance ( AF ), and to inform them that we had filed a complaint with Federal Student Aid ( FSA ), in that Nelnet has failed to follow through on the XXXX law signed by President Biden to allow those of us with Spousal Consolidation ( SC ), loans to be able to separate our loans. XXXX, the Nelnet representative we spoke with, said they had received no direction on how to proceed with an AF for those with SC loans. After being put on hold several times, XXXX responded to us that yes, Nelnet would process our AF request and that the process would be completed by XX/XX/XXXX when our next payment would be due. We provided XXXX with our complaint numbers through FSA, and were assured the AF would be completed without capitalized interest. On XX/XX/XXXX, after noticing no recent activity on the Nelnet website, I called them again, and asked about the status of our request and processed AF. XXXX, and later XXXX, a Resolution Specialist at Nelnet told me that the AF we requested, and told was in process, was not true and we would continue to be billed. The representatives repeated that Nelnet has not received guidance from DOE on how to provide an AF for SC loans. No apologies, no nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This is my complaint about BARCLAYS BANK DELAWARE. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action.

As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft.I found numerous accounts on my credit report that was not open. This has been hurting me as I am in the process of buying a home for my family.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been writing letters and sending in documentation to the creditors and also the credit bureaus, showing that the attached debts were apart of identity theft. I have provided police reports, ftc filing reports, documentation to prove these debts do not belong to me. 

I have been doing this for the past 2 years and the only bureau that has updated the information is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I reported this incident back on the XX/XX/XXXX and nothing has been done and here is XX/XX/XXXX and I am still waiting on a resolution. I am so far behind on my bills because I I am in the negative and nothing seems to be getting done. My husband 's Tax return check is frozen and we have no money to keep going

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
This company has been investigating a complaint filed regarding a forged auto loan contract that they own period other issues within the contract, such as the loan company, having a completely different contract than what the dealership provided us has been brought to their attention and not rectified period meanwhile, they are continuing collections during their investigation and reporting delinquencies to my bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently had a dispute with with Capital one bank because of a merchant named XXXX XXXX. My Capital one account information was compromised and there were XXXX unauthorized transactions for {$5000.00} and {$4700.00}. I then received my funds and got an email that stated the investigation was over and competed and my dispute have been resolved. Capital one bank then restricted my checking and savings account a few days later saying they will close out my account while it is under review, and they will send me a check in the mail after closure. I asked when will the review be done and close my account so I can get my funds, but they would not give me a date of closure or explanation of whats going on, and when I can receive my check. I have all my hard earned money in there. Also they would not let me go in to a physical branch to get funds either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, 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:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft.I found numerous accounts on my credit report that was not open. This has been hurting me as I am in the process of buying a home for my family.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft.I found numerous accounts on my credit report that was not open. This has been hurting me as I am in the process of buying a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XXXX I came across an XXXX account called XXXX. I wanted to buy shoes and the account pressured me into using XXXX. I had tried giving my XXXX information so they could send me an invoice, they stated they dont take XXXX. I tried to use XXXX because I know they also have a goods and services feature. They then made up an excuse that their XXXX couldnt receive any more funds. I did not really understand this and was confused so I just agreed to XXXX because they suggested it but I didnt know that XXXX doesnt offer goods and services transactions. The total transaction amount was {$610.00} and the posted transaction date was XX/XX/. The XXXX recipient used the email XXXX with the name XXXX. They stopped responding after receiving the funds. I filed a claim with my bank, Wells Fargo, explaining that I was pressured into using XXXX even after I tried to use XXXX goods and services payment. I also disclosed to them that I later discovered the XXXX account was using stolen reviews from another business going by a similar name. I disclosed that this false information misled me into thinking the account was a reputable and trusted business. Wells Fargo responded with a statement that said they couldnt help me because the transaction was processed as requested however, that is literally how a scam works. The promise of a good or service and then not following through. Of course I authorized the payment because it was intended to be for an exchange of goods, however, they scammed me by never responding after that. 
As of XX/XX/ they have deleted their XXXX  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 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I got scammed by someone on XXXX and WellsFargo refused to reimburse me for the money from when I filed a fraud claim. After calling several times and jumping through so many customer service hurdles and waisting my time, the notified me three days later that my claim was rejected the same day I opened it, which makes XXXX 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 explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Yes I purchased a vehicle with U S Auto Sales back 2022 and in XXXX they sold or Westlake Portfolio took over the car loan. Now my balance is almost like I never paid it, and I see that they are not honoring the warranties including the XXXX  insurance. No fees have not been reduced and their is a {$5.00} charge for every payment along with a late fee. I have already paid about {$1000.00} not knowing that they are just a debt collector for U S Auto Sales. Now all they do is call all day until after XXXX and send multiple emails for payment reminders.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXXXXXX was closed in good standing years ago, and should not continue to reflect an open line of credit. 

Despite this, it still shows as open on my Experian credit report, despite being closed on my XXXX and XXXX reports, and having been closed for years. I have disputed this multiple times ( e.g. Experian dispute XXXX on XX/XX/2023 ) over the last year, and each time the account has been upheld. A statement is recorded on the item, but I would like this line completely closed on 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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Byrider Franchising, LLC
State: KY

Complaint narrative:
Short summary of what previously happened was that I setup scheduled payment arrangements for XX/XX/2023 to make my account current. Payments where processed on that date without any problems. Agents from cnac began to call me a couple days after the payments where made harassing me about a XXXX XXXX  balance on my account. I asked where did the XXXX XXXX balance come from. They informed me that they processed a payment for XXXX cents instead of the XXXX payment. I asked why was it processed this way. The agent I spoke with wasn't able to inform me of what happen or why it happened. I asked to speak with manager for explanation and the agent informed me that I was unable to because the senior account manager was busy. I then asked for a copy of all my payments I had made from the start of my loan until now. The agent stated that the computer system was down and he would email me a copy later. He then kept making efforts for me to pay the XXXX XXXX. I informed him that I would not do that being that I wasn't the cause for the balance. When my payment was processed there was not insufficient funds and payment went through. Also that I would being paying a processing fee and a late fee for something that I should not have to pay for. He then asked to put out on my next payment which would make the balance more being that it would accrue to being even later. I told him not to process anything on my account until I could speak with the senior account manager. He then said that I had the option to dispute the matter of paying the once cent. I told him I would like to do that. I asked for documentation of the dispute and he informed me that it takes XXXX hrs to process etc so call back then. Before the XXXX passed I received another phone call from a different agent in regards to my balance being XXXX XXXX and would I like to process it. I informed the agent that the matter was already taken care. He replied that it wasn't and what he could do for me is put the XXXX XXXX  balance on my next payment and waive the late fee etc. I then asked to speak with the account manager again because I had yet to receive any paperwork as far as my payment history or the dispute. The agent informed that I could not speak with the manager and that they would send me my payment history but the dispute was never put in. I have the dates and times of the phone calls which their calls are recorded on their end of all the conversations etc. My payment history shows that I have paid them more than what's on the contract and way more than what the car is even worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have a synchrony care credit card, max charge is {$1000.00}. 

I used the card at vet offices from XXXX to XXXX. 

My total was around {$900.00} spent. I havent used the card since then. Synchrony does automatic 6 months 0 % interest for any charges over {$190.00} However you can not designate money to go to those 6 month promotional charges until after making a payment, calling the company and designating that money to a specific balance. Which roughly takes 35-45 mins. 

Not a huge deal, as I thought Id only pay interest on whatever is remaining. However they back date to the original purchase amount and charge you interest on the entire purchase amount which is extremely misleading. 

After 8 months of payments, my balance has only increase and now my card is maxed out. Despite paying on time, I tried to resolve this with synchrony as I didnt get the option to opt out of the 6 months and was only now made aware of how to pay down a certain promotional balance, which takes 30-45 mins of time to complete. Which is completely unacceptable. 

The fact that I have made {$600.00} in payments, and my balance has only increased.

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 2023-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: AL

Complaint narrative:
On or about XX/XX/XXXX, I obtained a line of credit in the amount of {$2900.00} from Credit Fresh through their website. My husband had passed away 10 days prior, and I did not understand the this company would make a draw on each and every payday ( I get paid every other Thursday ). 
To date, I have paid {$1400.00}, and my balance is still {$2800.00}. In other words, my balance has only decreased by {$170.00}, despite the amount I have paid ( {$1400.00} ). 
Payments : XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} TOTAL {$1400.00} I feel that the " billing cycle charge, '' charged every other week as opposed to monthly, is exorbitant and predatory. The charges will never allow me to get this account paid off. The amounts reflected that have been paid versus what has actually been credited to lower my balance are unconscionable. Please investigate so that other consumers are not put in a similar position. 
Thank you.

Company response to consumer: Closed with explanation