vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 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:
Student loans have been in repayment and IBR for 10 years. Nelnet became the servicer earlier this year. 

I applied for SAVE and have been waiting for over two months. Now I am told that the status is incomplete and is pending a payment. 

After waiting for long periods of time, I was told by Nelnet that I need to pay a {$5.00} fee to continue with the transfer process to SAVE. I never received a letter or email regarding that. However, I did as suggested and paid {$5.00} online. However, it was just applied to the loans and no status changed. 

Second long call to Nelnet, and they told me to call back today as some department had closed for the week and they could not change the payment status. 

It's frustrating that there is no way to process this {$5.00} fee, which I was never notified about in any way ( no email or letter ). It creates unnecessary delay. Meanwhile they are applying {$50.00} or more every day in interest. 

Need some sort of action to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment 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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX 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 2023-10-30 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In XXXX I took 3 loans with XXXX so that my daughter could go to college, I paid these loans for 17 years finished paying all 3 loans in XXXX, and despite that they have this information right on their web site they are trying to get paid again!! This is fraud the have loans that just opened in XXXX my daughter is XXXX XXXX XXXX, and I as a single mother paid all my XXXX bills as can be seen in the attached XXXX screen shots. I also have a copy of all my 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 2023-10-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau Subject : Unauthorized Credit Inquiries on My Credit Report Dear Sir/Madam, I am writing to file a formal complaint regarding unauthorized credit inquiries on my credit report. I recently discovered multiple inquiries made by financial institutions, namely XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX to my Experian credit report.These inquiries were made without my authorization, and I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and also violation of 42 USC 408 in regards to the use of social security number being used without my permission and for the use pertaining to any loan or credit. 

Details of Unauthorized Inquiries : XXXX XXXX : XXXX XX/XX/2023 XXXX XXXX Auto Finance : XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 I did not provide consent to any of these institutions to access my credit report, and these unauthorized inquiries have adversely affected my credit score and financial standing. I have not applied for credit or loans with these institutions, making these inquiries unauthorized and unwarranted. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. I urge the CFPB to ensure the removal of these unauthorized inquiries from my credit report. I did attempt to call phone numbers to speak today raid department but all attempts failed. 

Thank you for your prompt attention to this matter. Please feel free to contact me if you require any further information. I appreciate your assistance in resolving this issue. 

Sincerely, Consumer

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 2023-10-30 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: PA

Complaint narrative:
I have two XXXX XXXX accounts that have not shown on my credit report and it affecting my credit rating. 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have reached out to XXXX XXXX and was told they are reporting on the XXXX of each month yet I do not see the entry of any of my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
send any and all correspondence between any law firm and servicer including but not limited to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or any of their attorneys or any employees of that law firm or any other law firm to Chase. Include any correspondence Chase sent as a response or as an inquiry include Telephone logs, emails, text messages and any other kind of communication to XXXXXXXX XXXX XXXX  or any other attorneys or any other law firm between XX/XX/2015 to present including but not limited to subpoenas summonses or responses to subpoenas or summonses

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been working on building my credit for years, it is now good, but I have some debt I wanted to consolidate at a 0 % interest and I was PRE APPROVED a zero-interest XXXX XXXX credit card from XXXX through EXPERIAN- I applied for the card, took a hard query hit on my credit which decreased my score then was declined by XXXX  - They sent me a letter stating they think my identity is compromised, but if it was me who applied to call them - I called them, and was told me to go into a XXXX XXXX  to show them my identity, there is no XXXX XXXX  by me so I called them again, and was told my application is denied! This should be illegal Every time I log into my EXPERIAN account I have these pre-approved offers tempting me to apply - UNLOCK OFFER - Well I did and was denied

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 2023-10-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following creditors ; CAPITAL ONE AUTO FINANCE, XXXX, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b, a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose. 

Dates Reported CAPITAL ONE AUTO FINANCE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding 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 explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
At the beginning of XX/XX/, I sent a payment to the American Express credit card with a money order worth {$1000.00}. That payment was never applied to my account, but the money order was collected by said institution on XX/XX/, as can be verified in the copy received of the money order. I have made 3 disputes with American Express, and they always reject it even though they have proof of the payment made. No one can give me a logical explanation of what is happening, and I have already spoken with different American Express representatives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding 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 2023-10-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have two XXXX XXXX accounts that have not shown on my credit report and it affecting my credit rating. XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have reached out to XXXX XXXX and was told they are reporting on the XXXX of each month yet I do not see the entry of any of my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have two XXXX XXXX accounts that have not shown on my credit report and it affecting my credit rating. XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have reached out to XXXX XXXX and was told they are reporting on the XXXX of each month yet I do not see the entry of any of my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Normal Macy 's store bills for XXXX XXXX Account : XXXX ( Department Stores National Bank )? 

XXXX XXXX  bill for {$70.00} -This was paid for and cashed by Macy 's XXXX XXXX XXXX XXXXWas paid on time by XXXX XXXX XXXXXXXX Confirmation XXXX XXXX XXXX XXXX  bill for {$40.00} -This was paid for and cashed by Macy 's XX/XX/ -Was paid on time by XXXX XXXX XXXXXXXX Confirmation : XXXX Despite being contacted and sent indisputable evidence of " on time '' payments from XXXX  XXXX  XXXX to Macy 's, they repeatedly maintained XXXX that the bills were not paid. They eventually send their stupid claim to XXXX XXXX XXXX XXXX for debt collection : ( Radius Reference Number : XXXX ) who appear to have treated this as a real debt.

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 2023-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
Complaint to Wise Payments Limited and XXXX XX/XX/23 I purchased a debit card from Wise and paid a fee of {$9.00} using my XXXX  credit card. XXXX charged additional transaction fee of {$10.00} for cash advancement and demanding interest payment for the amount. The product was not money order. It was a card that contains absolutely XXXX value. There was no indication extra fee at any process of the transaction. Both companies are refusing to refund or do anything about it. From a consumer stand point, this is confusing and not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: GA

Complaint narrative:
I have already provided the necessary documents for identity theft as well as proven the information has multiple inconsistencies across each credit bureau and requested that the validity of the accounts be properly verified. All parties have failed to provide me that proof. I have also found a publication on the IRS website in which the IRS defines a charge off as gross income ( Section 61 ( a ) ( 12 ) of the Internal Revenue Code specifically includes income from discharge of indebtedness as gross income. ) INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting inaccurate and fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: GA

Complaint narrative:
I have already provided the necessary documents for identity theft as well as proven the information has multiple inconsistencies across each credit bureau and requested that the validity of the accounts be properly verified. All parties have failed to provide me that proof. I have also found a publication on the IRS website in which the IRS defines a charge off as gross income ( Section 61 ( a ) ( 12 ) of the Internal Revenue Code specifically includes income from discharge of indebtedness as gross income. ) INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting inaccurate and fraudulent!

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 2023-10-30 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: GA

Complaint narrative:
I have already provided the necessary documents for identity theft as well as proven the information has multiple inconsistencies across each credit bureau and requested that the validity of the accounts be properly verified. All parties have failed to provide me that proof. I have also found a publication on the IRS website in which the IRS defines a charge off as gross income ( Section 61 ( a ) ( 12 ) of the Internal Revenue Code specifically includes income from discharge of indebtedness as gross income. ) INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting inaccurate and fraudulent!

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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
purchased a grave XXXX  flag in XX/XX/XXXX from XXXX XXXX. I never received a bill or any email from them till maybe XX/XX/XXXX with late fees and interest charges. I contacted the company since i had forgotten about this charge and explained what happened. I paid my purchase amount but they refuse to drop the late fees or interest charges. I have contacted the credit card company citi card to no avail. I am XXXX yrs old and feel i am being taken advantage of from this company.

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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I closed my account on XX/XX/XXXX. I did not receive any confirmation so I called Capital One to confirm and inquire about my {$200.00} deposit. I was told that if I called back on XX/XX/XXXX I could request a paper check be mailed to me ( this is the only method they seem to have for issuing refunds ). I called today ( XX/XX/XXXX ) and was told to call back in 3-5 days and request the paper check again. I was also told that if I had never called to request a refund ( because I asked about this ), in 6 months a refund would have been issued. I CAN NOT IMAGINE THIS IS ALL LEGAL>

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: NY

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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