vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: RI

Complaint narrative:
I am in the midst of dealing with setting up my IDR plan to reflect my true earnings, as my current plan is reflecting income no longer received that was taxed in XXXX, but earned in XXXX. This is compounded by the fact that my child support was doubled this year in XXXX, despite having a split custody/shared placement arrangement. Needless to say, this has resulted in a further reduction of income, which I have been contending with as I struggle to also arrange payment to the IRS for a large tax bill, also due to the previous year 's earning from XXXX. 

I NEED ASSISTANCE FROM THE LOAN SERVICER. I have contacted FSA and made another change request to the IDR plan that was on file, as I am not able to make the payment as listed on Nelnet, and I have not been able to get through to them.

I was provided with an update from FSA that the change would be reflected in up to XXXX weeks with additional correspondence from the servicer. I have attempted to reach out to Nelnet several times last month in XXXX, and now a few times in XXXX. Each time I am put on an incredibly long hold, never to speak with an advisor or agent, despite being given a " XXXX minute wait hold. '' This is absolutely unacceptable and quite frankly a little ridiculous. Until I am able to review my payment plan and submit my updated income information, which I have been attempting to do since XXXX, I refuse to make any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian 's web site and customer support services are completely unacceptable and inaccessible. I've tried to freeze my credit with Experian multiple times by using their webiste and calling their customer support. 

Their website sign up process only sends me to an error page. It sends you to this error page only after you've provided your information, including your full social security number. When you hit that error page, it directs you to a XXXX number where it gives you instructions to go to the website, or to mail them your personal information. You can not speak to a person. 

If a company that monitors American 's credit and is allowed to impact citizen 's lives in such a substantial way can't operate a website in a way that instills faith that they take that responsibility seriously, they should be put out of business.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to bring to your attention a critical matter concerning the inaccurate reporting of late payments on my credit accounts. This letter serves as an official notice of your non-compliance or negligence with the Fair Credit Reporting Act ( FCRA ) and outlines the corrective actions required to rectify this issue promptly. I've addressed this in prior letters to no avail. The reported late payment information does not accurately and completely reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've contacted XXXX XXXX XXXX  4 times regarding a late payment reporting on my credit report for the month of XX/XX/XXXX  via mail and by phone. I've explained to the company the reason for my late payment due to hospitalization for XXXX which cause me to submit my payment late for that month. Prior to XX/XX/2022 and after up until now I have had excellent payment history and am a loyal XXXX XXXX XXXX  customer. I have proof of my hospitalization and I feel my concern isn't being taken into proper consideration. I don't want to close my account with XXXX XXXX XXXX  but I will if they can't accommodate my request.

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 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MD

Complaint narrative:
Please see the attached. Since I've had so many issues with Edfinancial, I decided to XXXX search them to see if they have had any issues and found the attached civil case against the company. 

So what has happened is I have been trying to get some clarification around my repayment plan ( s ). Why my loans have two different terms. One loan has a 10 year term which will balloon to payments I can't afford. The other has a 25 year. One loan is eligible for the extended fixed but the other one isn't. I was told by one rep that there are 4 repayment plans that I could be on even though I can't see what my options are for each. I was told by another rep that it's only 2 plans that I'm eligible for. 
How am I supposed to move forward without all of my options? I feel like they are trying to mislead me into making these payments with these terms like I have no options. Now the first payment is due in two weeks and I still don't know anything. 

I have called at least XXXX times since XXXX to get clarification around my repayment plan ( s ). The wait times are ridiculous giving you wait times of 10 hours which they give you in minutes ( 600 minutes ). So you more than likely will have to receive a callback. Sometimes I would get a callback and sometimes I wouldn't. I get the callback only to find out the representative can't answer my question or help me and need to escalate. Never get a callback. I eventually asked to have a supervisor call me back. The first supervisor I spoke to said she would have my account corrected and updated. I checked my account on the website after 10 business days like I was told.The update never happened and it was supposedly submitted as an emergency. I called on Wednesday after being on hold for 2 1/2 hours and asked to speak speak to another supervisor. I got a phone call back from another rep who didn't provide me any more help so I said I will wait for the ( 2nd ) supervisor to call me back and I was unable to answer. That brings me to today, called again and was told by the rep that the supervisor made notes about me asking about why my payment amount increased. I said that I never asked about that and I wanted to talk to a supervisor. She wanted to give me the same song and dance about a supervisor calling me back and I refused. She said she couldn't which I know is not true because I've dealt with these situations and I feel like since they knew that there was no way I could go any further, she eventually hung up on me. Her name was XXXX. So here we are. 

This is a condensed version.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: VA

Complaint narrative:
Account name XXXX XXXX  XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2023-10-05 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I sent money to my husband who is XXXX  but has an ITIN number via Apple Cash. I have sent him money before with no issues. Today his account was restricted and had to verify his identity. Upon calling Apple Card support they inform me that he needs to upload a US government issued ID. The state of NC does not issue IDs to undocumented immigrants. They are able to obtain identification via the consulate office. The agent stated they are not able to use that ID and needs to be US government issued. When I questioned this she stated its listed on their terms and conditions and it in fact is. It says in order to create an Apple Cash Account and use the Services, you must : ( i ) be 18 years of age or older and a citizen or lawfully residing in one of the 50 states of the United States and the District of Columbia ( collectively, the U.S. ). Which seems unfair and unreasonable because in order for you to open an apple cash account you have to have a bank account to whom you give your identification information to. I feel like this is discriminatory and an inconvenience for undocumented immigrants who use apple products and spend so much money with Apple. In the end the representative was not able to help us and cancelled the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: VA

Complaint narrative:
Account XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2023-10-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Back on XX/XX/23 I sent a letter to equifax to dispute some items on my credit that i did not agreee with. i have yet to receive any information that my dispute has been processed and this is the second time they have ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
On XX/XX/2023, after receiving a call from Amsher Collection Services, I immediately contacted XXXX  for clarity. The XXXX representative assured me that I had no outstanding balances. It raised concerns about the possibility of identity fraud and that an unauthorized purchase might have been made under my name. 

Despite no prior communication from XXXX ( via email, phone call, or regular mail ) about any outstanding {$440.00} balance, on XX/XX/2023, Amsher Collection Services marked a debt against my account. This unforeseen action caused my credit score to drop from the XXXX to plummet by more than XXXX points. 


On XX/XX/2023, I proactively reached out to XXXX and Amsher Collection Services for clarity. Interestingly, Amsher Collection Services shared that they've had other customers voice concerns about potential duplicate accounts with XXXX that resulted in collection charges. Upon connecting with XXXX, they acknowledged a discrepancy : an outstanding balance from my personal account, related to equipment, was never moved to my business account ( and not identified by multiple customer service reps on previous calls ). 

When the discussion shifted to the bill, the manager inquired about a final bill. I always handle my bills online, so any outstanding balance should have been visible there, but it was not. It's worth noting that I updated my address months before moving. And, considering we're talking about XXXX, I'd have expected them, at the very least, to reach out to me on the contact number ( cell phone ) they have on file. 

The XXXX manager stated they were unable to reach out to the collections company on my behalf to resolve the issue. I asked for the dispute department info, legal department info, and a return call from the General Account Supervisor and stated I would contact the executive team to request additional assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-10-05 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:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-10-05 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: AL

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I was never in Forbearance or deferment with Wells Fargo in XXXX or XXXX. The company sent me a copy of 1 page that they said I signed. I did not sign this form. During all this time, in XXXX, they never contacted me. They did not send me any copies of letters that informed me I was in forbearance. They did not send me any notes or documented any phone calls between them and me.. They did not send me any letters that informed me of a forbearance for XXXX. I never received any snail mail, email, phone calls, text messages or any information that I was ever delinquent. I only learned about this from a letter I received from HUD this year, XXXX. I questioned it immediately to HUD. They referred me to Wells Fargo. This information needs to be removed from Wells Fargo immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX account is over XXXX XXXX XXXX and should be removed from credit report. Should be deleted past statute of limitations XXXX XXXX for Illinois.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have late payment entries that have been recorded on XXXX, XXXX  ; XX/XX/2019 ; XX/XX/2019. I have a solid track record of making on-time payments for this account. Therefore, I have reason to believe that this reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have late payment entries that have been recorded on XXXX, XXXX  ; XX/XX/2019 ; XX/XX/2019. I have a solid track record of making on-time payments for this account. Therefore, I have reason to believe that this reporting 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 explanation
Consumer complaint received 2023-10-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation