vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received a prepaid Amex gift card. I cant use it to make purchases anywhere. They keep getting declined. Ive tried six different stores. I reached out to the company for help and could not speak to a live person. I was able to find one store that accepted it. I went back to that store to use it again and they tried four times to get this card to work. So ten different times this card has been getting declined. Ive seen on social media that others are having this issue. My balance on the card is {$93.00}. I just want to be able to use it or get a cash equivalent. Its a lot of money to my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I called American Express on XX/XX/23 to inquire about a 30 % transfer bonus to XXXX that I was not seeing on my account but was seeing on other peoples accounts. The agent let me know that if it was something offered to other people, she would offer it to me as well. She then prompted me to transfer XXXX XXXX points to XXXX and assured me that the remaining 30 % would be applied to my account. Shortly after, I received a call saying that she would not be able to offer me the additional 30 %. She prompted me to move points equivalent to over {$1000.00} USD without making sure that the 30 % would be applied. I asked for a XXXX review and no one reached out to me. I have called in for the last 7 weeks because no one from American Express would call me. On one of my call backs, the XXXX on the line said that the agent from my original call made a mistake and misinformed me. I called in once again today only to be told that there is no compensation or refund that can be offered to me at this time besides a 30 % transfer bonus on any new transfers. I would have never transferred the bonus if I knew that I was not going to be getting the bonus 30 % and trusted the guidance of the agent on the line. I am requesting that Amex makes this right and refunds me the points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I opened a savings account with Marcus Goldman Sachs with a {$50000.00} transfer from XXXX on or about XX/XX/XXXXXXXX 
When I received the XX/XX/XXXX statement by email from Marcus instructing me to login to review my saving account statement, the page loaded instructing me that my account was temporarily locked and to call customer service. I called customer service who wanted to send me a pin code to the cell phone number on file. I informed them that I had changed my cell phone number and proceeded to give them the new number. 
I was informed by the customer service representative that they could not verify my cell phone number through their system and that the account was under review. They informed me that the review would take 1-3 business days, which would have taken up until XXXX XXXX XXXX 
As of today XX/XX/XXXX when I again received an email to review my statement by logging into their web portal, again it says my account is temporarily locked. I called customer service to gain access to my account and am still being told my account is under review. I have given them my new cell phone number several times since XX/XX/XXXX, and as of today XXXX XXXX, they have the old non-working cell phone number on the account. 
I am reaching out for help to access my funds with this institution. I have done everything they have asked of me, which was to wait for the review to finish, but nothing has been done and I still can not gain access to my funds. I need help as there is no physical branch that I can go into to speak with someone in person and show my government ID to verify this is my account and my funds. As we speak I am speaking with XXXX from fraud department who would not give me any information as to why my account is under lock.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: IL

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX incorrect personal information on credit reports XXXXXXXX XXXX  inaccurate information XXXXXXXX XXXX unauthorized hard inquiries XXXX XXXX XXXX XXXX reporting negative XXXX inaccurate and unverifiable information. 
XXXX. XXXX XXXX  inaccurate, unverifiable information and several inquiries XXXX inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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:
This credit card ending in XXXX is a result of fraud. The creditor has conducted thier reinvestigations and determine this is fraud.

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 2024-01-02 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: NY

Complaint narrative:
I just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet

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 2024-01-02 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: NY

Complaint narrative:
I just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet

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 2024-01-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, which I am never late for, yet they are erroneously reporting me as late.

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 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I PAID MY BILL IN FULL VIA XXXX ON BOTH MY CAPITAL ONE BANK CREDIT CARD AND I SEND SPECIFIC WRITTEN INSTRUCTION BOTH TO THE CFO XXXX XXXX XXXX AND XXXX XXXX XXXX BOTH OF THEM IGNORE MY REQUEST AND REFUSE TO RETURN MY SECURTIES, AND THEY CLOSED MY ACCOUNT WITHOUT PROVIDING A VALID EXPLAINTION, IF THE CFPB WON, T HELP I WILL HAVE TO GET THE securities and exchange commission INVOLVE OVER THE YEAR CAPITAL ONE BANK HAVE MULTIPLE SEC LAWSUIT WHICH IS A CLEAR SIGNED OF DISCEPTIVE BUSINESS PRACTICES

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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:
Im begging you please remove this to the 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 2024-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MA

Complaint narrative:
On XX/XX/ i received an email from credit karma that my account was frozen. This was after being a member of credit karma for all of 2 weeks and only making XXXX deposit into a savings account that hasn't been touched. After receiving the email i contacted a live agent to see what the issue was and he assured me that the investigation team was looking into it and I would be receiving an email shortly in regards to why my account was frozen and how i can unfreeze my account and i waited and i've been waiting for almost over a week now for funds that i need for personal reasons! So this morning XX/XX/ i doubled back to see if theres any updates or if there were other options and each and every customer service agent i spoke to gave me the run around saying id be getting contacted soon by an investigation team and theres nothing they can do. With it already being a week later with absolutely no contact from anyone I find this very unprofessional because their should be at least standard wait time for these sort of things if theres a need for a prolonged investigation because this is peoples hard earned money! Not only that but the agents i spoke to didn't made my experience any better and this is including XXXX and XXXX the gentleman that hung up in my face after asking if there was anyone i could speak to else i can speak to. Not to mention any time i DID ask for a supervisor i was put on hold for ages and left there with no further contact. Realistically when it comes to frozen accounts there should be a quick procedure such as a quick verification of information to easily resolve the issue not to be aimlessly waiting for more than a week with no clue how long you will be waiting for your own money to be released and seeing as i'm not the first customer that has gone through this evidently i'd rather be able to withdraw my money and take my business elsewhere because i have never experienced something like this!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: NJ

Complaint narrative:
I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
XXXX. XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Company has failed to make XXXX year property and school district taxes, refunded money to me out of my escrow without an explanation, township and school district put a lien on my property, are suing me, and are threatening to sell my home for nothing I did wrong. They recalculated my escrow and are now demanding additional XXXX dollars a month to put into escrow to cover their costs of not paying property or school district taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have a late payment that is affecting my credit and keeps me from obtaining credit please address with navient thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b-2 company also has NO permission to report ANYTHING using my info pursuant 15 USC 1681 4. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
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: Real Time Group, Inc.
State: NC

Complaint narrative:
The agent for the company said they don't have a 2nd mortgage or lien on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: CA

Complaint narrative:
Around XX/XX/XXXX I received a credit monitoring alert that my student loan was paid off and was reported by Mohela as having a balance of {$0.00}. My account showed a balance of {$0.00} on the Mohela web page as well. 

I reached out to Mohela and exhausted every way possible of speaking to a customer service agent to discuss this change to my credit report and was never answered in any kind of way. Because of all of the forgiveness going around I naturally assumed that I was also forgiven like so many others, and proceeded to make purchasing and credit decisions based on this new lower debt status. Then a week ago I was sent a bill with a letter that states I was taken out of forbearance, and my payments would resume as normal. My credit file was also updated to having this debt and my credit dropped because of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc.
State: KS

Complaint narrative:
I got behind on paying MoneyLion and so my wife took over, and settled my balance with moneylion to close and remove, but instead they kept it open, sent it to collections, and is refusing to take payment to get rid of it once again without opening a bank account with their company, just to end up in the same situation with said new account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: OH

Complaint narrative:
1. Nelnet lied to me and said consolidating my loans would not affect the time that had tolled towards forgiveness under the IDR plans. I have paid on my loans since XXXX and thanks to Nelnet, now they are all reset to be paid on for another 25 years. My loans were going to be forgiven in 13 years before Nelnet illy advised me.

2. Nelnet convinced me to consolidate my loans so that all of my loans would benefit being under the SAVE Plan. Upon consolidation, they reached out once saying my IDR application is in progress. My statements say I owe XXXX dollars a month now and my application status hasnt changed or been updated since XXXX. When you call them, you get someone who tells you to relax and that even though theres no record of your IDR application on Nelnet website, that they are just busy. Keep in mind it takes about 2 hours to talk to someone who has no idea what they are talking about. They are just trying to calm people down, not resolve anything.

3. As it stands, all of my emails about the status of my IDR application have been answered with generic responses that say stuff like : we might place you on an administrative forbearance, so dont pay attention to our emails saying you owe {$2000.00} on XX/XX/XXXX. 

4. Nobody at Nelnet can tell me the status of my IDR application that I submitted in XX/XX/XXXX. Nelnet customer service continues to lie and tell me that once my IDR application is complete, the time that I have paid from my loans for the last 12 years will be taken into consideration, I dont believe this is even possible.

6. Nelnet continues to lie and say that there is no action needed from me at this time all the while, they are assuring me that my IDR application is in progress and they should put me on admin forbearance until the application goes through.

7. At the same time they send me emails that say my payments that arent under any IDR plan, are due.

8. On Nelnets website there is no record of my IDR being in progress. They acknowledge it, and I did submit it. I verified This on the government website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
My in laws purchased a Vanilla Visa gift card in the amount of {$50.00} at a XXXX XXXX in Florida on XX/XX/2023. They mailed it to me for my birthday. When I tried to use the card in a grocery store, it was declined. I tried several times to find out information online at the Vanilla card website, and each time it would only give me an error message when I tried to look up the card balance. Finally I was able to reach someone on the phone at Vanilla, and was told that the card had already been activated and used by someone else. As the card was sealed inside of its package when I received it, and I still had it in my possession, I couldn't understand how this was possible. Vanilla said I could open a claim by sending them the picture of the front and back of the card, the receipt, and a copy of my driver 's license. They also asked me for my birthdate and address. I provided them all of that except a copy of my driver license as I do not trust them. That was on XX/XX/XXXX. They had me email the information to XXXX. A few days later I received a response from XXXX, asking me again for a picture of the front of the card and the receipt, and so I sent those to them a 2nd time. I have not heard anything from the company since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: NY

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Law I attached the XXXX file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.

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 2024-01-02 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: NY

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.

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 2024-01-02 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: TX

Complaint narrative:
Im begging you please remove this to the 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 non-monetary relief
Consumer complaint received 2024-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief