vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: OH

Complaint narrative:
Last month on XX/XX/XXXX, I sent a payment of {$40.00} through bill pay set up by XXXX. The following day I sent a payment for {$200.00} using the same method. My payments have yet to be applied to my account. 

The {$200.00} payment was cashed by your company on the XXXX. 

I expect this to be resolved immediately. I called for the 3rd time today and requested a supervisor. Not surprisingly, one wasn't available. 

This is the only company that I have issues with, in regard to bill pay. Every other company receives my payment and applies it properly in a timely manner.

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 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ensuring punctual payments, I have never experienced delays on this account. I'm unsure why there are indications of late payment remarks on my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am worried deeply, there are many inaccuracies that are being reported on my credit. I need this fixed as soon aspossible, I am constantly worrying about it and it is very upsetting to me that these inaccuracies are reported without the agencies knowledge of them being one hundred percent correct.

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 2024-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I must convey my concern regarding the persistent failure of Nelnet to acknowledge and address your repeated attempts to provide feedback regarding the allocation of overpayments towards loans with the lowest outstanding balances. 

Despite your diligent efforts to communicate your preferences for the allocation of funds, Nelnet has displayed a pattern of disregard for your requests, thereby failing to adhere to the terms and conditions outlined in your loan agreement. Specifically, Nelnet 's refusal to post overpayments in accordance with your explicit instructions to prioritize loans with the lowest debt first constitutes a breach of contract. 

This ongoing failure on the part of Nelnet to comply with your reasonable requests not only undermines the integrity of the contractual relationship between you and Nelnet but also raises concerns regarding Nelnet 's adherence to regulatory requirements governing loan servicing practices. 

In light of these circumstances, I am prepared to take appropriate legal action to ensure that Nelnet rectifies this matter promptly and in accordance with the terms of your loan agreement. It is imperative that Nelnet acknowledges and respects your rights as a borrower, including your entitlement to have overpayments applied in a manner that aligns with your financial objectives and preferences. 

Please be advised that further failure on the part of Nelnet to address this issue satisfactorily may necessitate escalation of this matter to relevant regulatory authorities and pursuit of legal remedies to safeguard your interests and enforce compliance with applicable laws and contractual obligations. 

I strongly encourage Nelnet to reconsider its position and take immediate steps to remedy this situation to avoid any further escalation of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This complaint, with the correspondence/affidavit attached, is in regard to the application submitted to American Express on XX/XX/XXXX, Ref : XXXX. The application was denied and an adverse action letter was received on XX/XX/XXXX instantly. As you may be aware I, the federally protected consumer, have a right to credit, and withholding my access to my securities is also securities fraud. It also goes against American Expresss FOURTH AMENDED AND RESTATED POOLING AND SERVICING AGREEMENT dated as of XX/XX/XXXX, the Prospectus dated XXXX XXXX XXXX the Uniform Consumer Credit Code and the Uniform Commercial Code. An eligible investment has been given and there hasnt been equal consideration. 

I've attached the correspondence/affidavit that was sent along with my Power of Attorney, XXXX Notice , Fee Schedule and identification and copyright.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: SC

Complaint narrative:
I have been reaching out to Transunion on multiple occasions to have Inquiries removed off my credit report. I Have received letters from Transunion stating the accounts on my report are not showing up. I have printed out a copy of my credit report and each account that I have requested for them to remove are all there. Please reinvestigate and Have these unauthorized accounts removed off my credit report as they are effecting my lifestyle daily. 

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 *See attached for reports of inquires*

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 2024-02-08 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to express my extreme dissatisfaction with the manner in which Wells Fargo has handled my privacy and payment preferences. On numerous occasions, I have attempted to contact your institution regarding the forceful removal of non-Wells Fargo bank account payment methods from my profile without my consent. 

As a customer, I value my privacy and expect that any changes made to my account are done with my explicit approval. However, it seems that Wells Fargo has disregarded this principle by repeatedly removing my non-Wells Fargo account details and prompting me to enter alternative payment methods, despite having already added them to my profile.

This incessant inconvenience not only disrupts my banking experience but also raises concerns about the security and integrity of my personal information within Wells Fargos systems. Additionally, the lack of responsiveness from your customer service team exacerbates the frustration and dissatisfaction I feel as a loyal customer. 

I urge Wells Fargo to address this issue promptly by implementing measures to respect customer privacy preferences and ensuring that changes to account settings are made transparently and with proper authorization. Furthermore, I expect a timely and satisfactory resolution to this matter, along with assurances that similar incidents will not occur in the future. 

Failure to address these concerns adequately will compel me to explore alternative banking options that prioritize customer privacy and satisfaction. I trust that Wells Fargo values its customers and will take swift action to rectify this situation. 
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 2024-02-08 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: FL

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

Company 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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

Company 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 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A hard inquiry that I never made with Capital One on XX/XX/XXXX  was added to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: GA

Complaint narrative:
Got an alert from XXXX XXXX changes of changes to my credit report on XX/XX/2024, pulled my reports from MyFico. 
I called Equifax and asked for fraud department and was told I needed a FTC or police report and needed to send copy of Identification, ( DL ) and copy of Social Security Card and either a current bill or bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
I called the collections agency and asked if they can remove collections amount and stop marking my credit report as a missed payment because i already paid with original creditor and they are a thirdparty trying to collect the debt and my contract or insurance policy was not with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: IL

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

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 2024-02-08 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: MI

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 party. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are two issues. 
XXXX ) Experian included my HELOC account with the credit card utilization rate, which is incorrect. This occurred approximately one year ago and took three months to get corrected. Recently, Experian began to include the HELOC once again. I was unable to dispute, since I had previously disputed, but was able to upload again a copy of the HELOC Contract where is specifically states HELOC. Experian decreased my credit score 43 points due to their error. I finally was able to speak with someone on the phone following several attempts and hours spent. This person was reading from a script and when I inquired if she understood what HELOC account was, she replied that she was reviewing my file and did not see a vendor named HELOC that I had an account. Then she proceeded to inform me that the multiple credit inquiries for a home mortgage were counted as one, again reading from a script. I informed her that is not the case, it should be, but is not. She apparently laid down the phone receiver/headset without any warning. I waiting and called her name several times and after fifteen minutes, I disconnected the call. 
XXXX ) Issues is related to multiple home mortgage inquiries, mentioned above, being counted separately rather than as one. 

Both the HELOC and multiple inquiries are spelled out as to how they are managed by Experian, but they do not manage as stated. I have asked multiple times, if it would be easier to correct, if I provided them exactly where Experian outlines the proper method of managing a HELOC balance and multiple inquiries and each time informed no. 

Experian informs you that there is a process to manage certain accounts, but they fail to manage according to their own process. I have worked diligently during the past 20 years to maintain a stellar credit score and with two opportunities, Experian has substantially impacted my credit score. Experian takes swift action to penalize you credit score, as mentioned above by decreasing 43 points, but the increase takes months to get back to the original score.

The IVR system set up at Experian is only in place to prevent speaking with someone live. Only an obstacle and not for assistance.

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 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I had closed my account ( Barlcay XXXX  ) some months ago. I set up autopayments for I think the XXXX  of the month. The payments were done on a regular basis until XXXX, XXXX. They were stopped. I did not find out until I was informed by email that I was behind. I have tried on multiple occasions to find out. I have tried to sign into my account which I could do until XXXX, XXXX. I am now told that the payment plan only runs for 12 months. I was told recently that when I closed the account I could sign in for only 6 months. I was never told this. I am one payment behind. Two payments are due tomorrow. I have not seen what is happening on the account since XXXX, XXXX. I have made multiple attempts to sign in or working with customer service to find out what is happening with my account. I was told that I would receive a statement via mail last week. I have not received it. I was told today if I do not make at least one month 's payment tomorrow that the account will be in default. The woman 's ID is XXXX. I told her that I will make a payment for one month tomorrow. I was told that the account will not enter default if I do. XXXX Bank has been very deceptive.

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 2024-02-08 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 strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
I've made 120 qualifying payments on my Federal Student Loans. I submitted my final PSLF form and requested discharge from Mohela on XX/XX/year>. Mohela shows I made 120 qualifying payments and am qualified for discharge. But after 3 months my loans are still not discharged. Mohela customer service confirmed I've made the payments and qualify for discharge, but there is no timeframe for discharge and no one is responsible for the amount of time discharge is taking. I've spent 12 years in the same public service job to achieve discharge. I need to leave my job for multiple reasons, but I am stuck until discharge. Mohela said I have to be in a qualifying job at the TIME OF DISCHARGE! But not why. Mohela said I could look for another qualifying job while I wait for discharge, but I want to start my own business. I've waited 12 years. And now I've made my 120 qualifying payments, and I have to wait for another unspecified period of time in a qualifying job. There is no information updated on Studentaid.gov dashboard. Mohela said they sent the required documentation to Studentaid.gov. I need to file taxes. I need to start my own business. I can't stay in my current job any longer. No one is taking accountability for the time discharge is taking. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have reached Transunion Credit Bureau several times to dispute incorrect information for an account on my credit report for account XXXX XXXX. I told them several times that the information is incorrect for the account remarks/status. XXXX XXXX  on my credit report is showing XXXX XXXX Wage Earn Payment Plan Account. It needs to say discharged under XXXX  XXXX bankruptcy. I have called XXXX XXXX and they tell me it is a Transunion problem.

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