vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 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: NY

Complaint narrative:
Gentlemen I filed a complaint ( XXXX ) regarding my student loan repayment. Their response was that I had loans from the XXXX XXXX XXXX XXXX, and the XXXX XXXX XXXX XXXXXXXX XXXX, with a loan period from XX/XX/XXXX, to XX/XX/XXXX. These loans were consolidated in XX/XX/XXXX, and XX/XX/XXXX, also that I took out a consolidation loan in the amount of {$55000.00} to repay these loans. 

My two question for them is : If the loans were consolidated in XX/XX/XXXX and XX/XX/XXXX, why was my consolidation loan disbursed XXXX? 
What was the original loan amount for both of these loans? 

Please replay with an answer because the math and timeframe does not add up. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX, I realized I had been double-charged for gas on XXXX separate dates ( XX/XX/XXXX, XXXX & XXXX ) as well as once debited on XX/XX/XXXX for a purchase I did not make from XXXX. The transaction dates in the apps statement listed for these charges also kept changing, so any info included herein are as of whats listed today ( XX/XX/24 ). 

I called Dasher Direct to dispute said charges on XX/XX/XXXX, XXXX, and XXXX, and was hung up on at least once on each date, requiring me to call back in, and after XXXX calls and over XXXX hours in total on the phone with rude, disrespectful, and negligent representatives, Im filing this complaint. The last DD representative with whom I spoke today at XXXX PM, hung up on me after he decided I didnt have any further questions he could assist with, albeit he was entirely useless from the start. 

After putting me on hold for several minutes, he came back on the line and verified that the XXXX charges from the XXXX different XXXX stations were erroneously double-charged because they were done at the exact same time, as was the XXXX gas XXXX. However, the XXXX charge was {$20.00}, and I only bought {$10.00}, which was also charged separately. So, this was actually a triple-charge situation. 

The XXXX charge, which currently shows was completed today, although it was on XX/XX/XXXX that I was in the store to return an item, but somehow, I successfully completed the return and was credited the {$44.00}, but then somehow I was immediately and erroneously debited the same amount. 
DasherDirect representatives told me they couldnt help me dispute the charges and I would have to personally drive out to each of these locations again and speak with anyone who would be willing to help me there on location, at which the Dasher Direct rep started to laugh himself, probably at how ridiculous and difficult, and likely unsuccessful, I would be at getting these charges reversed. Additionally, no reps ever mentioned or were concerned with ensuring the security of my card or my personal information. They hung up when they felt done. It was frighteningly unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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:
I saw a credit inquiry on my consumer file on the Experian report from XXXX XXXX. I sent over a certified mail to the company stating they should delete the inquiry from my credit report because it has caused me harm and I did not give them any permission to do so, I requested a permissible purpose they did not reply to my request. I called Experian and sent over a dispute letter to delete the hard inquiry because it's harming my credit by lowering my credit score and I did not permit XXXX to pull my credit file nor did I have any account with them. Experian deleted the inquiry from my credit file and my score went up, today XX/XX/2024 I checked my credit report on an annual credit report, and saw Experian secretly posted the inquiry on my consumer file, lowering my credit score increasingly. I am just sick and tired of these illegal activities, I do not care how much money they were paid but they are destroying my credit. I want this account deleted. I have the certified mailed stamped as proof I tried disputing with XXXX and got no reply. these co-operations are deceptive 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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Synchrony Bank care credit .Show a balance of {$5900.00}. I do not have an account open with the bank. I was approved via XXXX XXXX but never received any documentation nor terms and nothing in writing. XXXX dental was not transparent in the fraud they attempted on me. I have no plans to use their clinic for dental work. I had an x ray that was it. XXXX visit for an x ray and no follow up by my choice to seek a local oral surgeon. I closed the care credit account and notified the three Credit Agencies of being a victim of deceitful practice by XXXX XXXX. They received funds from Synchrony Bank of {$5900.00}. I received nothing. They have a high pressure sales tactic to fool possible clients in to using care credit to finance their health care It is well documented by the judgement against them in 2013 where care credit was fined by the court XXXX XXXX for deceptive tactics.

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 2024-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC states {$2400.00} is owed for debt. XXXX XXXX XXXX states {$2400.00} is owed for same debt. If PNC holds debt rights they have sold data to a 3rd party without the consent of consumer and debt should be removed as it has left a derogatory mark. If PNC has sold the debt to XXXX XXXX XXXX they are trying to collect double on a debt while reporting both as derogatory. Both cases are major irregularities in data and should be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted each company for the inaccuracy on my consumer report. The activity date, account being removed off of XXXX. It was removed due to identity theft. Also date of last active I have never made any payments on this account and it's not associated with any address that I have listed on my credit report. Account XXXX last reported dates XXXX and Equifax as inaccurate dates listed along with last date of payment is inaccurate these are showing all type of inaccuracies all across my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all of these are showing inaccurate information and there for to be removed from my credit report. Equifax and XXXX dates and amounts do not match up activity and payment dates show several inaccuracies. Date of last reported is error too. Your investigation of verified has damage my account and reputation for these accounts and I have provide all the pictures and evidence to provide to the XXXX  I have to send over an audit to IRS for your purpose missed investigation for many years allowing these errors to remain on my credit report and placing them back on my credit report as well. XXXX has dates that are incorrect dates and I have not did any business with this company. XXXX AS WELL IS INCORRECT DATE OPENED WRONG LAST REPORTED ALL WRONG XX/XX/XXXX XX/XX/XXXX LAST DATE ACTIVE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX LOOK AT THE ERRORS LISTED AND YOU CONTINUED TO REMAIN AND PLACE THE ERROR ON MY CONSUMER REPORTERD THEWY ARE TO BE REMOVEDF IMMEDIAELY. THESE ACCOUNTS ARE REMOVED ON THE OTHER CREDIT AGENCIES I HAVE PLACED ALL THE MISTAKES XXXX, XXXX, XXXX XXXX ACCOUNTS, DEPT OF XXXX THE DATES OF ACTIVITY, DATE OF PAYMENT, DATE OF ACTIVITY, ALL OF THE DATES ARE DIFFERENT AND INCORRECT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: GA

Complaint narrative:
On XX/XX/2023, I I called customer service to file a claim to a dispute XXXX payments to a merchant adding up to the sum of a XXXXXXXX XXXX for a service I never received. 
( XXXX payments of XXXX $ and a final payment of XXXX $ ) I received emails every XXXX days for a total of XXXX days. ( XXXX ) On the seventh day XX/XX/2023 I received a credit for XXXX of the XXXX transactions ( XXXX $ out of XXXX $ ) I never received any emails after the XXXX I did contact customer service however to inquire on why I did not receive a credit for the third transaction as they were all filed under the same claim. I was told the third transaction was still being investigated. 
On XX/XX/XXXX of XXXX I received an email saying that my account was negative upon checking my mobile Wells Fargo app I seen that an credit reversal was done for the amount of XXXX $ placing my account in the negative and costing me XXXX $ just to get my balance back to XXXX. I contacted customer service again and was transferred to the claims call center I was told that my claim was denied and the reasons for this denial was a third party was involved and to contact them about the transactions. After contacting the third party I was informed that Wells Fargo had already reached out and filed a dispute on my behalf and that all communication was to be done with Wells Fargo on both my end and their end and the only information that could be shared with me was that XXXX of my XXXX transactions was actually being refunded. I called the claims department back and was told the same response that I needed to contact the third party once I shared what information I received from the third party and asked why I was only being refunded a third of the claim. 
the representative said theres nothing that could be done as my claim was denied. I was confused as to how I could be receiving a refund for a third of my transactions but I was being told that my claim was denied and how come the credit reversal was only for XXXX $ of the XXXX $ I was credited the only response I was given was that there was nothing that could be done and that the decision was final I was never informed as to how I can further dispute this claim, or if there was a supervisor or higher up I could speak to. The same theres nothing we can do phrase until the representative asked me if there was any other issues I had and told me to have a good day.

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 2024-03-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a 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 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
someone uses my name application new credit card form BANK OF AMERICA and open account online and Mobile. 
someone uses my name application new credit card for XXXX XXXX from 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 2024-03-15 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: NV

Complaint narrative:
Pursuant to FCRA laws, I have the right to dispute incomplete or inaccurate information. I did not authorize these ( XXXX ) inquiries. These ( XXXX ) inquiries are fraudulent. These inquiries have been placed on my consumer report inaccurately and fraudulently Furthermore, I request that all inquiries are deleted immediately. 

. EQUIFAX must provide how they verified these inquiries belong to me. 
XXXX ) How did you verify these inquiries? 
XXXX ) Provide an original contract/agreement with my wet signature authorizing these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
looked at my report back on XX/XX/XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to une lair credit reporung act nenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts. 

Account name : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

I sent a letter asking them to make sure everything was complete and accurate and here is my tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX They sent me an investigation back and said everything is completed and in accurate, check my attachment, everything is not completed and accurate.

according to nd according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ipromptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Aspen Yo LLC
State: FL

Complaint narrative:
I HAVE A HEARING FOR RESCHEDULE A FORECLOSURE SALE ON XX/XX/XXXX, AFTER THIS DAY THE LENDER WILL NOT REVISE ANY SHORT SALE OFFERS, I BELIEVE THE SERVICING IS DELAYING TO ANSWER PREVIOUS COMPLAINT, SO I RUN OUT OF TIME. SERVICER GREGORY FUNDING JUST DON'T WANT TO SAY HOW MUCH THE LENDER WANTS FOR THE PROPERTY, SERVICER IS NOT TRANSPARENT IN THIS PROCESS, AND IT LOOKS LIKE IS INTENTIONALLY DELAYING ITS ANSWER

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-03-15 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: GA

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am unaware of this debt I did not have an opportunity to dispute this information. If in fact you believe you gave me proper notification then please provide/send me the certified return receipt with my signature. If not I request that this information ( MIDLAND CRED  Acct. No. XXXX ) be removed from my consumer report immediately in light of my consumer rights being violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: MA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-03-15 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: MA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief