vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I was sent via U.S. mail a debt collection notice, from AMSHER COLLECTION SERVICE, XXXX XXXX XXXX XXXX  XXXX, XXXX, AL XXXX, regarding a collection of {$370.00} for an account under my name. Upon review of the collection notice, it had an address of XXXX XXXX XXXX XXXX, in XXXX, Texas XXXX. When I called this collection agency on XXXX XX/XX/2023, I spoke with multiple people from this office. Specifically, speaking with XXXX XXXX and a XXXX XXXX XXXX. I was informed by XXXX XXXX XXXX, of the mistake on the collection. She informed me that the only way to check on this file, was if I provided by date of birth and SSN to them. I mistakenly did so out of confidence they were actually going to check their systems. She informed me that there was no file on record with my personal data. I asked for a letter confirming this, any both personnel informed me to dispute the collection via the credit bureau. I did just that and disputed the case multiple times. XXXX Credit Bureau case numbers : XXXX and XXXX were filed to dispute. Results on both cases came back from AMSHER COLLECTION SERVICE, indicating the debt was " accurate and updated. '' I have filed a police report with XXXX Police Department, Case # XXXX, with Officer XXXX, Badge number XXXX. I am seeking assistance on this matter, as the collection service, used my pesonal information fraudulently to claim they were looking for information on the collection, when in fact they used my information to support their case file on this collection. I've never resided at the XXXX XXXX XXXX XXXX address in my entire life. I am an XXXX XXXX service member and have served my country for 24 years. This collection has tarnished by credit rating and I desire this company to be held responsible for their nefarious intentions with my personal data and to have this collection removed from my credit report immediately. You can review my credit report yourself and see with my creditors that this {$370.00} collection is not mine. Please, I plead with you to review my credit report and do your own assessment. Thank you, XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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:
I cancelled my auto debit along with putting my account into forbearance on XX/XX/2023. I received confirmation that night that my auto debit was cancelled, and no pending payments for the auto-debit were active.

On XX/XX/23 I received notification from my bank that the auto-debit was taken out of my account, causing me to go negative on hand. 

I call nelnet and they show no pending payments for the auto-debit. Then they back tracked and said you needed to cancel it 3 business days prior. I checked all the documentation provided while cancelling including the cancellation email, and none of the paperwork mentioned any of this.

Company response to consumer: Closed with explanation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to file a formal complaint against TransUnion, XXXX and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. 

On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. 

Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.

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 2023-10-31 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: MO

Complaint narrative:
I am writing to file a formal complaint against XXXX, XXXX and Experian for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. 

On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. 

Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
ELAN FINANCIAL SVCS Last reported XX/XX/2023 {$4400.00} Open balance {$16000.00} Balance is XXXX and company will not correct 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 2023-10-31 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: SC

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is information that is on my constimer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 
ACCOUNT NAME : 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  You are required to do what I am asking and block these transactions from being reported. 
I look forward to your response.

Company response to consumer: Closed with explanation
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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to file a formal complaint against XXXX, Equifax and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. 

On XX/XX/, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. 

Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I lost my job in XXXX and did not find employment until XXXX. During this time XXXX XXXX sold my account to Portfolio Recovery. I have been receiving phone calls since XXXX and I'm sure the statute of limitations has expired for collecting this debt. It has been over nine years! I do not want to talk to Portfolio Recovery because I know they will try to trick you into answering questions that may restart the time on collecting this debt. I have tried to block the phone numbers they use but if you do that you are bombarded with even more phone calls. The phone calls are during the day, at night and on weekends.

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: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I am writing to address the recent notification I received from your office regarding the verification of certain items on my credit report associated with the account number XXXX. Specifically, this pertains to items reported by Credit Acceptance Corp. I kindly request that you provide me with detailed information about the verification process for these items in accordance with the Fair Credit Reporting Act ( FCRA ) .response within 15 days or delete the trade-lines

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 2023-10-31 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: SC

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 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 2023-10-31 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:
This debt collection company placed a account on my XXXX  account in XXXX i disputed it because i am unaware of who they are or who they work for. I requested documents showing the contract they are stating i broke by missed payments and details on the amount i am said to owe. They removed the account from XXXX without any of this information and have now added it to experian without still not providing any documents supporting this is my account and they have the right to collect a debt from me. They are ruining my credit worthiness. And i have a block on my experian it is disturbing that people can insert information on my consumer profile without my knowledge or consent which is against the fcra

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 2023-10-31 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: CORELOGIC INC
State: IL

Complaint narrative:
Credco XXXX XXXX 1 year 5 months Inquiry Date : XXXX They have checked my credit 4vtimes in the past 2 years. Do not know who they are

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
On XX/XX/XXXX I paid off a credit card with SYNOVUSXXXX XXXX XXXXXXXX that I got in XX/XX/XXXX. The balance was {$1000.00} and I paid {$1000.00} in XX/XX/XXXX and there was a {$70.00} balance. On XX/XX/XXXX I paid the {$70.00} balance. SYNOVUSXXXX XXXX XXXX is reporting that they wrote off {$70.00}, which is absolutely false! I paid the {$70.00} and they sent me the statement to prove it! Yet, I have been trying to dispute this with XXXX since XX/XX/XXXX, but XXXX will not change the information that is reporting. SYNOVUSXXXX XXXX XXXXXXXX did not write off {$70.00}, I paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX and CEO Regions Financial XXXX XXXX XXXX XXXX, XXXX XXXX Alabama XXXX XXXX Re : Policy, Flexibility, and Governance Opportunity XXXX XXXX XXXX Following my wifes passing in XXXX, I chose to do the right thing and remove her as an authorized person from our safe deposit box at the XXXX XXXX XXXX XXXX. At the same time, I added my son and stepson as authorized to access the safe deposit box. I was told at that time ; we would have to create a whole new physical box versus just some paperwork. No problem, I chose the same size box, at the same branch location, in the same vault. 

I was told at the time that there would be a charge, however dismissed the statement believing Regions certainly wouldnt charge me twice in two months for the annual fee for the same size box. Well, they did. Please see attached ledger from my XXXX file and please, verify it against your own records. 

As you review not only will you see I have been charged twice in the span of two months for the same product/service but to add insult to injury, the amounts are differentfor the same size box since XXXX 

I am fine with either {$38.00} or {$57.00} but not both and from XXXX the three annual fees should be the same. I did speak with XXXX at the branch and said I did not understand the policy explanation which did not make any common sense to me. I further asked who I could appeal this to, and the answer was no one. I dont blame XXXX XXXX She doesnt seem to have the span of control or latitude to independently create a recovery opportunity from a bad customer service experience. This is small potatoes, XXXX XXXX, but highlights the need for expanded flexibility and authority while at the same time respecting policy and governance. 

Please dont delegate this to someone that is going to call me with another mumbo jumbo policy explanation. I dont have the time or patience for that and will just find another bank to do business with going forward.

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 2023-10-31 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: EdFinancial Services
State: DC

Complaint narrative:
From XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, I had an account with Edfinancial where I could log in, see what I owed on my federal loans, and make payments. Edfinancial moved all of their accounts over to a new online system starting in XX/XX/XXXX and mine got lost in the process. 

I have tried numerous times to log in online with my social security number and other information and I keep getting told that they can't find an account associated with me. They removed their old portal so I am unable to find my old account information to see if they can find it that way. I have called them multiple times to find out what happened. I have been told more than once that they would get back to me in 3 business days with my account information and they never did. The last time I called them ( a few weeks ago ), I was told that I needed to wait until they transferred my account over to their new system. When I asked how long that would take, the representative couldn't give me an answer. She told me not to worry about it, and that I wouldn't be responsible for a payment until that happened. 

However, Edfinancial is sending me all of these emails stating that I owe them money for my first two payments. They are able to tell me how much I owe. They are able to locate my information to be able to send those emails, but somehow still can't find my information in order for me to log in and start actually paying. 

I am extremely frustrated over this situation. Interest is accruing over the full balance in my account, which means that I am going to owe them more money in the long run. It feels very predatory and deceitful, especially when I am ready to start making payments and had an account with them up until recently. Additionally, I qualify for the PSLF program and can't get that started because I need my Edfinancial account information to use for my application.

If anyone is able to help, that would be wonderful. I have tried my best to work with Edfinancial and they have not been responsive. I feel like I am being taken advantage of and just want to sign up for the PSLF program. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
This is regarding a disputed transaction with XXXX XXXX in XXXX, PA. 

On XX/XX/XXXX, I checked into XXXX XXXX XXXX for a planned two-night stay. Unfortunately, on XX/XX/XXXX, I received the devastating news of my grandmother 's passing. Given the circumstances, I made the decision to check out around noon, a day earlier than planned. The front desk graciously acknowledged the situation and assured me of a refund for the unused night, amounting to {$210.00}. They provided me with a receipt clearly detailing this refund due back to my Apple Card. 

Days turned into weeks, and the promised refund did not appear on my card. Trusting in the reliability and integrity of the Apple brand, I initiated a dispute via Apple Card. However, I was genuinely shocked when the resolution initially sided with the merchant. I reopened the dispute and resubmitted my information, but it was again denied by Apple Card. 

To be clear, I have concrete evidence in the form of a physical receipt which confirms the refund owed to me. It is disheartening to think that despite such unequivocal proof, the matter was resolved against me, especially considering the emotional distress I was undergoing due to the sudden demise of a close family member.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ATTENTION TO XXXX XXXX : This letter is regarding account # XXXX which you claim I owe a debt or balance of {$90.00}. This is a formal notice that your claim is disputed. This account is fraud and an re report. In addition, in violation of state and federal laws pursuant to : State Law title15 PA C.S. 5525 four year limit on contracts and Federal Law title 15 U.S.C.1692 ( 2 ) can not discuss dept with third party and title 15 U.S.C . 1692e ( 10 ) false and deceptive statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BRite Financial Services, Inc.
State: MI

Complaint narrative:
I leased a car in XXXX through brite financial services ; in XXXX XXXX Michigan, For 4 years the lease was up in XXXX of XXXX. 
When I turned the car in, they reported on my credit that I owed money, which was not true. The car had a device on it which shuts the car off if I was a couple days late, I was in an agreement to pay the note every week, so it was no way possible I was able to drive to turn a car in that I allegedly owed a balance on. However I hired a lawyer because they attempted to sue me for a balance I didnt owe. I showed receipts and my lawyers got the case dismissed. They were suppose to just update the account, but instead they deleted the account, so now it looks like I never had a leased vehicle. I want my credit history placed back on my account correctly, i worked hard to pay that car off for 4 years only for this consonant to rob me of that history, I believe this is retaliation.

Company response to consumer: Closed with explanation