vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I applied for discharge from my loans through the XXXX and XXXX XXXX XXXX ( XXXX XXXX ) application. They have specific requirements the determine discharge eligibility. One, you have to be awarded XXXX benefits for a term of 5 to 7 years minimum before recertification or reevaluation ( whichever it's called ). Second, you're physician can fill out a page that comes with the application stating that my XXXX are permanent or lasting a certain amount of years. Due to issues I'd rather not discuss I have not had luck finding primary care physician in a few years. I have a XXXX but she won't sign or file any paperwork or documents unless a special appointment is made when she will go over and fill out with me to be sure we are in agreement and both understanding of whatever is being signed. This appointment is not for 4 more months and I am not sure the rules for filing another application for discharge but they denied my application despite my award of XXXX benefits beginning XX/XX/2020 ( I think, I don't remember exact ) they stated I sent wrong documentation. But that was all they sent I have like 8 letters with just that sentence. Denied due to insufficient documentation. I submitted the complete Notice of Award with statement made by administrative law judge that he has awarded my XXXX benefits and recertification date is 5 years from date I legally became considered XXXX by the social security administration. I sent the my " Notice Of Award '' which states XXXX start date and date for review 5 year later as well as what my income will be and when payments begin etc. I got the documents straight from my account in SSA Website. The same legal documents that I have used to show proof of XXXX benefits as well as Doctors correspondence with social security me disabling conditions and statement saying XXXX last over a year to whole life. I don't want to have wait 4 months for doctor appointment to fill out the one page when I legally, according to their own very specific and straight forward conditions that need to be met for an approval for discharge of the loans and I meet the criteria. I don't know what other documents I could possibly send them to prove I am XXXX and judge ruled recertification or review of my case 5 years after start date. It's simple. Their are no other requirements. I am tired of getting denial letters from agencies when, I'm someone who reads all the fine print all the contracts and all terms of service even if it's 100 pages of terms of service before entering a website or creating a new account on some platform. I know exact rules and guidelines according to their own handbook ( or PDF document in my case )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
This account reported by Navient and held by XXXX shows an original balance of {$4200.00} and a charged-off balance of {$6100.00}. This account was disputed and found to be predatory lending under the borrower 's defense investigation. Navient then wrote off {$6000.00} and continues to make collection calls regarding a balance owed of {$1600.00}. Additionally, they report the account is current, not determined, or charged off on my credit despite continuing collection calls. They have harassed myself, family members, and my workplace.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX  as seen in Exhibit D, I received a check from XXXXXXXX XXXX XXXX XXXX XXXX, XXXX redeeming all of my remaining shares in my account with them in the amount of {$4300.00}. On XX/XX/XXXX XXXX I went into Wells Fargo Financial Institution located on XXXX XXXX in XXXX, Ga to cash this check as seen in Exhibit E. Then on XX/XX/ as seen in Exhibit F, approximately five days after the check was cashed, I began receiving alerts from my Wells Fargo account reflecting negative activity and falsely alleging the check that I cashed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deposited into my account and returned as a bad check. On XX/XX/ XXXX XXXX I contacted Wells Fargo to inquire about the recent negative notifications received and was advised by a customer service representative on a recorded line that the check was either bad, or the company that issued the check had placed a stop on the check, and I need to contact the issuer of the check for details, but because Wells Fargo could not draft its funds in the value of the check, they deemed me liable and caused me damages by withdrawing the {$4300.00} from my checking account. The Wells Fargo representative also advised that I would receive a copy of the dishonest check in the mail which I received on XX/XX/ as seen in Exhibit G. On XX/XX/ Wells Fargo customer service representative confirmed that the check which I cashed was processed at closing on XX/XX/ and cleared on XX/XX/. Now knowing this information, I asked how XXXX XXXX XXXX XXXX XXXX, XXXX was able to place a stop on a check that processed at closing the day it was cashed, cleared 24 hours after processing, and that Wells Fargo authorized payment for five days before the stop was requested. To that, the representative could not provide an answer. On XX/XX/, I contacted Wells Fargo to inquire about why the check I cashed on XX/XX/ was falsely reflected within my account records shown as the check was deposited into my account without my authorization and returned as unpaid on XX/XX/ as seen in Exhibit F, the representative could not provide an answer. Wells Fargos unauthorized activity of falsely reporting on my account, and allowing XXXX XXXX XXXX XXXX XXXX XXXX XXXX to issue a stop payment five days after payment on this instrument was authorized is dishonor and Wells Fargo is liable for the damages it caused.

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 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Sezzle Inc.
State: CT

Complaint narrative:
Revoked Sezzle my permission to debit my accounts I effective immediately with a proper email and one of their forms I was told by Sezzle I need to fill out They have regular gone into my accounts trying to take money Also I asked to remove my debit cards information from the site but Sezzle doesn't allow let me. 

Notified I am going through a financial hardship and I will be returning to my job in a few weeks and can't pay weekly payments. But can when I return. 
They said they couldn't help me. 

So in writing I revoked my permission for Sezzle to debit my 2 debit cards. because the unwillingness to stop the debits have been mentally exhausting. 

They keep going into my bank account every day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA

Complaint narrative:
My online-only Marcus savings account has been frozen for more than XXXX months ( since XXXX or XX/XX/2023 ) for unspecified reasons. I have been on XXXX lengthy telephone calls with customer service and another unidentified " department '' to try to address their concerns without success. I have answered all of their KYC questions ( name, password, XXXX, XXXX, " secret word, '' drivers license, etc. ). In early XXXX, Marcus requested and received a hard copy, notarized Affidavit of Identification. Still, my account remains frozen and I remain unable to access my funds. Whenever I call customer service, I'm told the unidentified department with whom I must speak is either closed or has a lengthy wait time. Last time, I requested a call-back, which was never received. 

I am a XXXX XXXX XXXX. During my 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  As such, I appreciate and understand the importance of KYC procedures and OFAC requirements. 

Having satisfied each and every one of Marcus ' requirements, however, I am at a complete loss as to why I remain unable to access my online account. If I depended on these funds to pay bills, I would be destitute by this time. Marcus has acted unreasonably, ostensibly in the name of investor protection. I should be granted immediate access to my funds and compensated for the inconvenience and delay they have caused. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: NC

Complaint narrative:
US auto sales have sent out of business. Sold my contract to a third party debt collection agency called Westlake portfolio. My loan became a debt that negatively impacted my credit score. Not only hasnt my credit score been updated but now Im paying for warranties and gap that are not honored by the transferred party.

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 2023-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I opened an account with Gemini three years ago. Since that time I have purchased XXXX and other types of crypto. I am unable to log on to my account. When I try to log in it says they will send me an email to reset my password but it doesnt work. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The account listed below reported one late payment for XX/XX/2023 I already fix the issue with the company they agreed to remove the late payment. The current account status should be never late on any payments. 

Account name : XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: MO

Complaint narrative:
XX/XX/2023 flagship crediti acceptance changed my account number and didn't notify me at all..so when I made my payment in XX/XX/2023 it went out to wrong company and I had to cashe that out and resend it to their overnight processing office ... I have never been late with them even when XXXX and flagship first sold me a car that neither one had a title for I still paid..I have sent both of my XXXX and XXXX payment in by usps and someone signed for it and they claimed they haven't received it, ,but now they are charging me XXXX per day in interest and no one is helping me from flagship.

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 2023-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-08-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-08-07 00:00:00
Product: Credit card or prepaid 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I received a letter from Target TD Red Card around XXXX XXXX of XXXX  advising me that if I do not use the card within 30 days of the letter they will close my account which in turn will effect my credit. I used the card. Since then I have been trying to make monthly payments on my card however there is always an issue. They continue to report me to the credit bureaus however I still not have received one document or notice in the mail regarding late payments, date payment is due. They have not contacted me. The only documents I received from TArget TD was use your card or we will close your account and we are unable to contact you via email, here is paper correspondence I tried calling XXXX XXXX and the last time I got to speak to someone is I apologize that our system didnt take the payment when it should have. We dont contact the credit bureaus when there are errors made in our behalf since the threatening letter to use my card, this account has always given me a problem and every month TARGET continues to charge me fees and reporting me to credit bureau XXXX This card is {$1000.00} card not {$10000.00}. Furthermore they reported me again this month XXXX and XXXX for non payment. I can not get in my account because they want me to verify my card and the card I have is not allowing me to sign into my account to make payments. They shut my card down failed to send me a new card or contact me in writing or verbally to let me know whats going on. I got notified my the credit agency. I cant get a supervisor on the phone, usually its an individual with no clue. I need a new card to be sent with a tracking number, so I can get a card to log in and start making my payments. I dont believe I requested. New card or to have my card turned off. I had a score of XXXX now its at XXXX because of targets {$1000.00} credit. This cant be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I HAVE CONTACTED THE CREDITORS AS WELL AS EXPERIAN AND XXXX AS WELL AS XXXX TO RESOLVE THESE MATTERS SO NO RESPONSE.

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 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a mobile deposit to Truist Bank with my payroll check to my checking account on XXXX before going into XXXX. After XXXX and getting home I checked and realized the money hadn't posted and said may have a hold I called at that moment to Truist bank the lady I spoke with said she didn't see a hold but if one showed the next day to call back so I could receive help. The next morning on XXXX there was definitely a hold I was told that I wouldn't have access to my funds until the following Friday XX/XX/11, so I called spoke to a supervisor she told me she couldn't do anything to help me because the account was new and I did a mobile deposit. She said what I could do was go into the branch speak with the branch leader and see if they could help me. So even though I just had XXXX I went to the branch to get some help. I was left waiting for over an hour even though I had explained I just had XXXX that didn't seem to matter. When XXXX the branch leader came out. We went to his office he told me that mobile deposits where out of the branch hands, this happened in XXXX sometime and unfortunately customer service sends people into the branch they can't do anything for them. He proceeded to call his operations leader where they said the something that because the account is new and I did mobile deposit nothing could be done. I let them know by doing this and not even making a part of the funds available if the whole check couldn't be made available was going to put me in a hardship. I'm not able to pay rent, put gas in my car, or buy groceries for me and my family. All I got was I'm sorry. No other options or resolution had been made available to me. So from Friday XXXX to Fri XX/XX/11. I have no money to operate with my kids start school and I have no access to anything. I have had to go to a food bank, sell things in order to get enough to try and live for the time they placed a hold on my paycheck. Both sides of the operation is blaming the other with no resolution for the customer who is left between the two. There was no warnings or statements before depositing the money via the mobile deposit that this would happen.

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 2023-08-07 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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