vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 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: CO

Complaint narrative:
I reported to Nelnet on XX/XX/XXXX that the information listed on my student loan from XXXX was incorrect and lists the wrong school. I attended XXXX XXXX XXXXXXXX, but my loan lists XXXX XXXX XXXX XXXX. After months of follow-up, on XX/XX/XXXX, Nelnet sent a copy of a MPN claiming it was correct, but that MPN did not correspond to the correct school and was from XXXX. I have opened two claims with the Student Department of Education Ombudsman about this and this issue has still not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Shell closed my account ask charged off in XXXX and it has been updated on my credit report that it was charged off in XXXX and I have a 180 day late payment from XX/XX/XXXX. Incorrect reporting. Shell/ CNBA has updated my credit report AFTER the account was charged off with late payments. Shell/ CBNA has received a tax write off for this debt and I should not have this debt reported on my credit profile with updated late payments. Please send me any forms or documentation showing that you have the right to report this as a debt currently. If you are not liable to do that please remove this account from my credit report 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 non-monetary relief
Consumer complaint received 2024-03-28 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
american express agreed to credit my account for misleading advertising in a previous CFPB complaint, and has not done so within the time stated. 

please follow through on your previous agreement ( attached ) to credit my account {$1200.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I do Not recognize the following credit inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX I have asked for them to be removed by the Credit bureaus and they have not done so. 

I am attaching an Identity theft report. 

I am requesting for these inquiries to be removed ASAP. 

They are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate accounts.

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 2024-03-28 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:
Timely payments have always been my priority on this account, preventing any occurrences of overdue payments. I am uncertain as to why there are reports of late payment remarks on my accounts. As outlined in 15 USC 1666b - Billing Error, any errors should be rectifiedXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited my tax refund check in the amount of XXXX on XX/XX/XXXX chase bank restricted my account saying they cant release funds until they verify my check with the irs but chase has already taken their money out so I know this to not be true they said funds will be available on XX/XX/XXXX now its restricted I work hard for my money and it is very unethical what they are doing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I'm experiencing distress, dissatisfaction, and anxiety due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Company makes repeated calls on Sundays and holidays and uses aggressive tactics to try to attempt debt collection in a threatening and illegal manner. Uses legal jargon and scare tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I recently review a copy of my credit report and notice | had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2024-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: ND

Complaint narrative:
I tried to add my non-Truist checking account to my loan account to make payments from but they will not " verify ownership ''. They want me to open a Truist checking account to make payments from, which I do not want to do. I chatted online and they offered to make a payment manually, but I want to be in control of making the payments.

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 2024-03-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I am the co-signer on a loan that per court order, Navient should have discharged. We had a conversation with agent XXXX from Navient on XX/XX/XXXX and discussed that there were litigations on these loans that Navient is not honoring. We have requested transcripts of this communication from XX/XX/XXXX, but they refuse to provide us with that recording. I have made multiple attempts to communicate with Navient to inform them that my preferred method of communication that Navient refuses to honor this request. Hence I will only communicate via our preferred method ( email ) in the future. Navient has repeatedly refused to communicate in this fashion. This is now impacting my personal credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: MS

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-03-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
I paid off my SoFi loan using a refinance through XXXX loans. Due to timing issues I had to pay off the loan before the closing. XXXX sent an additional {$2500.00} over payment to Sofi loan on my behalf and now I cant get the money back from SoFi. 

I have contacted SoFi about 20 times and they hang up on me, transfer me to a black hole, give me bad contacts, and never contact me back when they say theyll get back to me. They verified that they received my payment and that it was an over payment but twice they have told me theyre mailing a check back to XXXX. ( Once on XX/XX/21 and once on XXXX ). But XXXX has never received that check so they cant pay me. 

Earlier this week I contacted SoFi with a representative from XXXX on the phone with me in hopes to get back up of these alleged checks they have sent and resolve the issue. 

They stated management would be an hour and a half wait and that theyd call me back. We set an appointment for them to call us back and again requested the check back up. Address they mailed it to. Who sent it. Contact information of check prepared. 

And again they never called or provided any detail. At this point Im not sure how to get this resolved or who to contact but its been going on for two months. Would love some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: IN

Complaint narrative:
I'm experiencing XXXX XXXX XXXX XXXX due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.

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 2024-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-03-28 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: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-03-28 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: TX

Complaint narrative:
I have consistently maintained punctual payments on this account, ensuring they are never overdue. The reasons for the reported late payment remarks on my accounts are unclear to me. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

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 2024-03-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Would you mind examining the documents? Some of the mentioned accounts seem to be inaccurate in terms of reporting.

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 2024-03-28 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: CA

Complaint narrative:
I am being taken advantage of as a consumer in law. These inaccurate items are damaging my credit and now in pending litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX I am writing to express my dissatisfaction and frustration regarding a recent issue with my account ending in XXXX with XXXX XXXX, and the failure of Synchrony Bank to acknowledge receipt of essential documents I sent to resolve the matter. 

On XXXX, I sent an affidavit of identity, along with a copy of my ID and a utility bill, to the address provided by Synchrony Bank in order to verify my identity and resolve an issue with my account. My account has been frozen pending verification, and it has been over 21 days since I mailed the documents. 

The documents were sent to the following address : SYNCHRONY BANK XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX providing all necessary documentation and ensuring proper delivery, I have yet to receive any confirmation from Synchrony Bank that the documents were received and being processed. As a result, my account remains frozen, causing inconvenience and financial hardship. 

I am deeply concerned about the lack of communication and the delay in processing my documents. This situation has caused undue stress and inconvenience, and I expect a prompt resolution from Synchrony Bank. 

I kindly request that you promptly investigate this matter and confirm receipt of the documents I sent. Additionally, I urge you to expedite the verification process and unfreeze my account as soon as possible. 

Please provide me with updates on the status of my account and the resolution of this issue at your earliest convenience. I appreciate your attention to this matter and expect a timely response. 

Thank you for your understanding and cooperation.

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 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I opened the Credit Karma Spending Account due to tax purposes. on XXXX XXXX, 2024 I had a fraudulent charge on my account, I called immediately and the girl on the line canceled my virtual card since that is where the charge came from but told me that I have to wait until the charges cleared my bank. I called when it cleared, they told me I needed to access the email I had on file, I told them that I no longer had access to the email, and they said I needed to talk with another department and I got hung up on, I called, chatted and emailed so many times and every time they say it's being escalated, they can't help me, they'll make sure I get the right email ( I was finally able to access my old email ) but after like the 3rd time or so, the froze my account. Now no one will call me, email me back or anything, they are withholding my money and refuse to help me. I am having a mental breakdown and may need to seek help for this because this has been such a nightmare, it may not be a lot of money, but it makes a difference whether my kids eat or not and I already took out a loan so i could feed my family. I could write a book on everything that has happened so far, this is the very short version.

Company response to consumer: Closed with explanation