vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$1800.00} against a balance of ~ {$1900.00} on my One Main Financial XXXX card with a credit limit of {$2000.00}. As of Thursday, XXXX XXXX, my available credit was only {$15.00}. Clearly this was a mistake, right? I had not only paid my bill early, I had nearly paid it in full. I called One Main Financial hoping to quickly resolve the matter, but ended up talking first to XXXX, then XXXX. I hung up before I got transferred to XXXX. Not a one of the stooges could explain why my credit line wouldn't be released until XX/XX/XXXX. Why? THEY HAD MY MONEY!!! WHERE IS MY CREDIT??? I depend on my card to buy groceries and food for my family. I had a transaction DECLINED ( very embarrassing ) because even after paying my bill early and nearly in full, One Main Financial decided it would be more fun to hold onto my money for a week so I couldn't take care of my kids. They way it works is, you pay your bill, you have access to your credit! What is with this rinky-dink operation? I have never experienced a more customer-unfriendly, useless " customer service '' department. They need to change their policy so that when you pay your bill, you have access to your card! And I would very much like an apology for the embarrassment I suffered with a declined transaction even though I had PAID MY BILL. If I knew then what I know now, I would never have gotten involved with this sham of a " bank. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
PDQ Services Inc is an account that I do not recognize on my credit report. I discovered this account XX/XX/2021. This account does not belong to me. I attempted to had this remove with all 3 credit reporting agencies and XXXX and XXXX has complied. XXXX has not removed this account after I disputed this account 4 times. I have a FTC report with the report number being XXXX. They still have not removed this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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:
To Whom It May Concern, I am writing to formally request the immediate blocking of certain information on my credit report, specifically related to a fraudulent XXXX XXXX  account that was opened in my name without my consent. I am not submitting this request as a dispute but rather as a demand for action in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B. 
Under Section 605B of the FCRA, I have the right to request that a consumer reporting agency, such as Equifax, block information from my credit file that is a result of identity theft. I am providing the necessary documentation to facilitate this process and kindly ask that you take the appropriate steps to promptly block the fraudulent information from my credit report. The FCRA also stipulates that this process should be completed within four business days of receiving all required documentation. 
Enclosed with this letter are the following documents : 1. A copy of the original police report detailing the identity theft incident, with reference number [ XXXX ]. 
2. A completed identity theft affidavit, as required by the Federal Trade Commission ( FTC ). 
3. Drivers license, as per Equifax 's requirements. 
I understand the importance of your role in safeguarding the accuracy and integrity of credit information, and I trust that you will handle this matter with the urgency it deserves. This request is not intended as a dispute, but rather as a formal demand for the block of fraudulent account information resulting from identity theft. 
Please confirm in writing when the requested block has been successfully implemented. Additionally, I request that you provide me with a copy of my updated credit report reflecting the removal of the fraudulent XXXX XXXX account information. 
I appreciate your prompt attention to this matter and expect that Equifax will fully adhere to the guidelines and timeframes specified in the FCRA. If you require any additional information or documentation, please do not hesitate to contact me at XXXX or XXXX. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: 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 Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 XXXX 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 2023-09-28 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 don't want to have these accounts in my report, they are not mine, they are affecting me a lot. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I don't want to have these accounts in my report, they are not mine, they are affecting me a lot. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: IL

Complaint narrative:
XX/XX/23 - I received XXXX emails from Chime. 
1. [ Alert ] There was a new login to your Chime account.

2. Welcome to Chime 3. Youre one step away from XXXX XXXX! 

All references that I have an account with Chime, which I never signed up. It notes to reset my password if I did not open the account. However, I could not reset the account because it required a phone number for multi-factor authentication tied to a phone number that was not mine. 

I submitted a request to disable the account to XXXX, I opened a chat, and called chime at XXXX several times, but no one could help and all requested private ( DOB, SS #, accuont number ) information from me that I am not willing to provide for an erroneous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
Alridge Pite Haan has garnished my wages. I am a XXXX parent. This law firm went ahead and garnished my wages for a debt without allowing me to settle thru a payment arrangement. As a result I am not able to pay my rent. I am a state employee and a XXXX  mother on very low income. I have made repeated attempts to both call their office and filled out a online payment settlement letter request form more than once. All attempts have been ignored. I emailed them this morning and they stated that someone would contact me. I then attempted to call their office six or seven times and left messages. I still haven't received any responses. This garnishment has placed me in a state of homelessness because I was unable to make my rental obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: A/R CONCEPTS, INC.
State: IL

Complaint narrative:
I work in XXXX, IL and got a few parking violations that I thought were inaccurate due to parking in our community which impacts me just trying to work in that community. Either way, I got a call from A/R Concepts ( a collection agency ) @ XXXX on XX/XX/2023 from a gentleman. He was very foul and threatening. He called me and everyone in my community names and entitled after I told him to go ahead and put this on my credit. I am in the process of attempting to settle with XXXX. This gentleman then started to use profanity and after I reacted, he continued the conversation turning it personal. He threatened to call my employer and even started to look me up as he stated " let me look at XXXX to see where you work so I can anonymously call them and tell them who you really are ''. I feel threated and my rights are violated. I want that call to be heard ASAP as he said this call was being monitored and recorded. He can not call my work or try to get me fired after I told him to simply put it on my credit. This behavior and his attempt to make me upset was unprofessional. He obviously made me very upset and now I am concerned what his intentions are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The late payment occurred in XXXX of XXXX during the nationally declared XXXX Emergency. I called in XXXX in XXXX and was initially told this would not be reported for 90 days and I would have additional time to make the payment. However, I recently found out that this was reported as a late payment/ deliquency on my credit report, even though I became current on the account very shortly thereafter in XX/XX/XXXX. I have also remained current on the account ever since. Furthermore, prior to XX/XX/XXXX, the account was current at all points in time. I have been a store card member with XXXX since XXXX of XXXX. I think it is egregiously unfair for XXXX to have reported this one late payment, resulting a drop in my credit score of XXXX points. This action by XXXX has caused significant financial harm to me -- adveresly affecting my ability to qualify for student loan refinance and also to qualify for leasing an apartment. Also, it is unfair for XXXX representatives to say now in XXXX of XXXX that calling them via phone in XXXX to report my loss of employment and hardship was not sufficient for me to qualify for relief at the time. Other than calling them, I did not have the ability to reach them in writing at the time. I have a medical condition and it was too much of a hardship given the risk posed by XXXX to get out of my house and send a request in writing to them. They should have been able to honor my verbal request over the phone and allow the extra time for me to make the missing payment as they told me over the phone in XXXX. Again, I did ultimately make the payment in XXXX of XXXX and brought my account current, a status in which it has remained ever since, so it is egregiously unfair for them to have reported it as a late payment / deliquency on 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 non-monetary relief
Consumer complaint received 2023-09-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The late payment occurred in XXXX of XXXX during the nationally declared XXXX Emergency. I called in XXXX in XXXX and was initially told this would not be reported for 90 days and I would have additional time to make the payment. However, I recently found out that this was reported as a late payment/ deliquency on my credit report, even though I became current on the account very shortly thereafter in XX/XX/XXXX. I have also remained current on the account ever since. Furthermore, prior to XX/XX/XXXX, the account was current at all points in time. I have been a store card member with XXXX since XXXX of XXXX. I think it is egregiously unfair for XXXX to have reported this one late payment, resulting a drop in my credit score of XXXX points. This action by XXXX has caused significant financial harm to me -- adveresly affecting my ability to qualify for student loan refinance and also to qualify for leasing an apartment. Also, it is unfair for XXXX representatives to say now in XXXX of XXXX that calling them via phone in XXXX to report my loss of employment and hardship was not sufficient for me to qualify for relief at the time. Other than calling them, I did not have the ability to reach them in writing at the time. I have a medical condition and it was too much of a hardship given the risk posed by XXXX to get out of my house and send a request in writing to them. They should have been able to honor my verbal request over the phone and allow the extra time for me to make the missing payment as they told me over the phone in XXXX. Again, I did ultimately make the payment in XXXX of XXXX and brought my account current, a status in which it has remained ever since, so it is egregiously unfair for them to have reported it as a late payment / deliquency on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: FL

Complaint narrative:
The late payment occurred in XXXX of XXXX during the nationally declared XXXX  Emergency. I called in XXXX in XXXX and was initially told this would not be reported for 90 days and I would have additional time to make the payment. However, I recently found out that this was reported as a late payment/ deliquency on my credit report, even though I became current on the account very shortly thereafter in XX/XX/XXXX. I have also remained current on the account ever since. Furthermore, prior to XX/XX/XXXX, the account was current at all points in time. I have been a store card member with XXXX since XXXX of XXXX. I think it is egregiously unfair for XXXX to have reported this one late payment, resulting a drop in my credit score of XXXX points. This action by XXXX has caused significant financial harm to me -- adveresly affecting my ability to qualify for student loan refinance and also to qualify for leasing an apartment. Also, it is unfair for XXXX representatives to say now in XXXX of XXXX that calling them via phone in XXXX to report my loss of employment and hardship was not sufficient for me to qualify for relief at the time. Other than calling them, I did not have the ability to reach them in writing at the time. I have a medical condition and it was too much of a hardship given the risk posed by XXXX to get out of my house and send a request in writing to them. They should have been able to honor my verbal request over the phone and allow the extra time for me to make the missing payment as they told me over the phone in XXXX. Again, I did ultimately make the payment in XXXX of XXXX and brought my account current, a status in which it has remained ever since, so it is egregiously unfair for them to have reported it as a late payment / deliquency on 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 2023-09-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I opened an account with XXXX XXXX in XX/XX/XXXX. When I went to pay the bill, I could not pay XXXX directly online. Instead, I needed to pay through Wells Fargo. My other credit accounts through WF appeared on my online account profile, but XXXX was not showing. I then used Bill Pay through WF and set the payment to Autopay each month starting with the XXXX payment on the Due Date. I started to incur {$40.00} late fees because apparently the Bill Pay option takes 1 business day. Meanwhile its the same bank. Wells Fargo refuses to refund me two {$40.00} late fees they charged me. Its a scam. Its says right on the paper invoice that if I used any other Bill Payment method other than WF, they are not responsible for the accuracy or timeliness of the online bill payments. But I am using Wells Fargo. This is definitely an issue and XXXX happening to many others. I pay my bills on time and this is them stealing my money on a technicality. This month the payment withdrew from my WF checking account the day it was due, XX/XX/XXXX. They didnt receive it until Monday the XXXX because the XXXX was a Saturday. The payments are set to pay on the due date. I should not penalized if I am paying on the due date.

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 2023-09-28 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: MI

Complaint narrative:
I had Great Lakes as a servicer for my loan and it transferred to Nelnet. I applied for the SAVE program XX/XX/XXXX directly through through the federal government and was told it would be under XXXX dollars. I also connected my IRS account to my loan and provided my work pay stubs. It has been MONTHS and my previous payment was exactly the same as Nelnet has it now. So they illegally sat on my SAVE application and did nothing to process it. Now it says payment due of {$670.00} and it is wrong. I will not tolerate the scam and con Nelnet is doing as they are doing it to thousands of people which is all over the Internet to see. Nelnet always is problematic company and this is why I DID NOT WANT THEM SERVICING MY LOAN and as a person with a XXXX I am holding them accountable for their disgusting behavior. They never answer the phone and I am not sitting on hold for XXXX HOURS with their terrible customer service as a person with XXXX as it causes severe stress and can trigger a XXXX. I demand Nelnet process my SAVE application immediately and put the payment at what the federal government said it would be. I am not suffering damages on my credit because Nelnet wants to pull a con and has slow and terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: NC

Complaint narrative:
Years ago I signed up for a subscription service or product from XXXX using an account I no longer have access to. I have contacted the merchant many times through various different means to try and cancel the monthly subscription fee of XXXX that comes out every month from my Wells Fargo credit card. XXXX responded recommending that I have my bank stop or cancel the subscription. Other banks that I use do this without any issue. Wells Fargo refuses to do this and instead makes me go through a tedious ongoing process of filing a new dispute every month. Then I have to wait for the standard 45 days while they try to get a response from XXXX only to then get refunded for that month alone by Wells Fargo. I then have to file a new dispute for the same transaction that comes out again the following month. Wells Fargo tells me that there is no end in sight and that I will have to do this every month forevermore. The only other option for me is to cancel my line of credit with the bank, which is tempting at this point. However, I think the bank has a responsibility to safeguard the consumer 's financial interest and in this situation to stop the transaction from coming out every month. I have supplied them with all of the documentation they need to see that I have contacted the merchant in good faith and gotten no where.

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