vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: NY

Complaint narrative:
I applied for the XXXX repayment plan on XX/XX/2023 through the studentaid.gov website. The website told me that they would send the application to Edfinancial for review. Edfinancial reviewed it on XX/XX/2023 but I never received any correspondence on whether my application was approved and I am currently still on the standard payment plan. They never sent and email or a letter on the status of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I formally complained through CFPB on XX/XX/XXXX about Portfolio Recovery Associates. 


PRA responded back with a proverbial slap in the face. 

I never asked for financial assistance and then they sent me a letter an obvious form letter about how they were sorry to hear about my financial hardship with an application for assistance of some sort. 

They rebuttled my formal complaint by saying they found no evidence of abusive tactics or anything. 
Yes. Of course PRA would not admit they did something wrong if they did something wrong. 

And I think its getting harder for companies like this to find out the most legal ways to still be nasty. 

I do not believe they took my initial complaint into any consideration whatsoever. 

Also, in their response via CFPB to my complaint, they said that they are sending a letter. in the future tense on XX/XX/XXXX that would mean PRA is contradicting themselves. 

If they say they are ceasing all communications on XX/XX/XXXX regarding a certain account then they should definitely cease and not, in a future tense send the letter. 

But they did. 

The letter was dated XX/XX/2023 They sent it before they said they would do so in a future tense. They could have wrote we sent you a letter. 

The envelope had no post mark and arrived at my mailing address in Tennessee on the XXXX of XXXX. so I am unsure as to when the letter was actually generated and sent. 

And why?? 
I never asked for financial assistance. 

This is not treating me with dignity or respect and PRA say they are definitely committed to treating people with dignity and respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA
State: WI

Complaint narrative:
In good faith I opened via their mobile a savings account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX only later to learn that my application was denied : " We're Sorry. Unfortunately, we're unable to approve your request for an account because it did not meet our bank 's requirements. These requirements include but are not limited to identity verification. We did not perform a credit check and your credit was not a factor in this decision. We appreciate you considering us for your banking needs. '' I then sent an email to : XXXX asking if they could please tell me what on the application is causing this denial to a no minimum balance savings account that I wish to open and what do I need to do in order to get this resolved? I then get this automated reply : At XXXX, we consider a variety of factors to determine account eligibility. We understand that you might be curious what these factors are but, for security reasons, we can't share the complete list of criteria we use. Maintaining the security and confidentiality of our evaluation methods is very important to us and our aim is to ensure fairness and equality in the assessment process for all of our applicants. Which did not answer the question. Could you please assist me?

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 2023-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
Received letter from XXXX XXXX XXXX XXXX. Charge off date XX/XX/XXXX total balance {$1000.00}. XXXX File Number XXXX. Letter requesting payment within 35days date of letter XX/XX/XXXX lump sum $ XXXXcurrent Creditor LVNV Funding, Original Creditor XXXX XXXX XXXX, XXXX XXXX attorney for Plaintiff. 
I was served a summons on XX/XX/XXXX stating I'm summoned and required to answere the attached complaint within 21 days with XXXX XXXX District Court State of Utah. 
Plaintiff is stating I owe charge off amount {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: I.C. System, Inc.
State: AL

Complaint narrative:
Reporting negative information to the three credit bureau

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 2023-08-27 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: SC

Complaint narrative:
XXXX XXXX share my personal information with a third party without my authorization. 

They have also voilated my consumer rights granted by Congress. 

15USC1681A 15USC1681B 15USC6802 15USC1605 I have tried my best to work with this firm, but they keep reporting false information on my consumer repair and I want them deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 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: SC

Complaint narrative:
XXXX XXXX share my personal information with a third party without my authorization. 

They have also voilated my consumer rights granted by Congress. 

15USC1681A 15USC1681B 15USC6802 15USC1605 I have tried my best to work with this firm, but they keep reporting false information on my consumer repair and I want them deleted 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 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a Wells Fargo customer- both for credit cards and checking and savings accounts for 20 years. I opened a Wells Fargo Rewards credit card in 2014 with a XXXX limit. My credit limit as of 2 days ago was XXXX and I have not charged to the card in over a year in an effort to pay down the balance, which is currently at {$11000.00}. I went to check the card today and my credit limit had been dropped to {$11000.00}, so I have barely {$300.00} of open credit now. While I am not looking to charge to this card, I am trying to build up a better a XXXX XXXX and having some open credit is obviously a large part of that. This card has an astronomically high interest rate in which I have tried to get lowered over the years with no luck. So my only hope is to pay it down and keep open credit with it. I have paid over the minimum payment for years now and have never been charged a late fee.I have a lot of debt in general, but am extremely careful with my XXXX XXXX - I have no late payment or derogatory remarks on my credit file, just a lot of debt that I am working to pay down. 

As soon as I saw my credit limit had been lowered, I called and the customer service agent I spoke to claimed he had no idea the reasons for my credit limit being dropped and that I would receive a letter eventually. I was so upset, I just cancelled the card so at least that would look favorably on my credit to close it. This is now the XXXX time that Wells Fargo has lowered my limit. They will increase it, and then lower it not because of anything having to do with Wells Fargo, but bc they will claim they do periodic checks of my credit and bc my debt is high, they felt they had to lower it. 

I strongly object to a company doing this to a loyal customer. I am working so hard to build up my credit and pay down my balances- how can I do that when these companies make decisions that they believe are best for them, but yet just punish their customers when it comes to their XXXX XXXX? I have done nothing but fulfil my requirements of this credit card 100 % and they still do something that negatively affects my own personal credit. 

I know I am a small time customer with Wells Fargo and they look out to protect their own interest, but how can they do this to me when I have done nothing but try and pay down this card in good faith for years now? My record with this card will speak for itself. I am disgusted and upset that I try so hard to pay down the card and I still have these negative actions against me. It is horrible treatment towards a long standing customer.

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 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I started receiving emails from Wells Fargo on XX/XX/XXXX about my contact information was changed and my checks are the way in mail. I do not have a checking account or savings account with this company ( Only a credit card ) ; therefore I called this company as I suspected fraud. After 1hr on the phone all that was accomplished is they said there may have been an error and they would take the email off that account. I then received another email to a different email I own saying my information was updated. I also received an email thanking me for visiting a branch in South Carolina when I live in Florida.

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 2023-08-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX has violated my rights. 

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

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 2023-08-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I sent XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) at letter on XX/XX/2023 & I never heard back from this company within the guidelines of the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: VA

Complaint narrative:
Amex offer its Platinum card holders a {$15.00} per month credit for uber purchases. I used the card XXXX times over the last 3 years for purchases with XXXX. They refuse to give me the credit that they offer as a benefit. I spoke to XXXX at XXXX and he refused to give me the {$15.00} credit. I asked for a Supervisor to review the situation and still they refused to give me the credit for the 14 months that I was owed. Supervisors name is XXXX. I feel that they mislead me into paying a {$700.00} a year fee to get this benefit and now they won't give me the benefit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-27 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: SC

Complaint narrative:
I have tried to get the attached corrected with Equifax for some time. 

I've sent Certificate letters # 'S XXXX & XXXX. 

They both concern the CORRET spelling of my legal name which is XXXX XXXX. Any other name not matching my LEGA : name should be deleted. 

Furthermore, I have asked them to remove a hard inquiry that I have no clue. 

In the same letters I demand no Credit Freeze or Fraud Hold be placed on my account for NO REASON. 

In each letter, I included my driver license and social security card ( copies ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2023, I had gotten a notification from Wells Fargo saying if I authorize this transaction of XXXX to reply Y. I opened up my Wells Fargo app to see what was going on and saw a transaction from XXXX. I immediately called Wells Fargo to cancel that transaction but they were nothing but rude saying they couldnt do anything. They made me do a claim, waited 12 days for a feedback and nothing. I got denied because they said I authorized this transaction when I didnt cause it or approve it.

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
EXPERIAN HAS NEGLECTED NUMEROUS OF TIMES TO REMOVE A FASLE ADDRESS AS WELL AS 2 INQUIRES THAT DO NOT BELONG TO ME. I HAVE CALLED NUMEROUS OF TIMES AND WHEN I FINALLY MADE IT THROUGH TO SPEAK WITH SOMEONE I WAS HUNG UP ON. I AM WELL AWARE THAT IT IS EXPERIAN JOB TO REPORT 100 % ACCURATE INFORMATION WHICH THEY ARE NOT. I AM ALSO WARE THAT MY RIGHTS UNDER THE FCR ARE BEING VIOLATED WITH THESE INQUIRES AND FALSE ADDRESS. I HAVE FILED A FTC REPORT AND NEXT I WLL SEEK REMEDY THROUGH COURT.

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 2023-08-27 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: CA

Complaint narrative:
XXXX has provided me with a long over due XXXX evidencing the amount of {$70000.00} being cancelled. Yet the debt is still reflected on all of the credit reporting companies and credit bureaus. This has caused me financial damage and will seek damages if this not resolved within the next XXXX. After I will file complaints with XXXX, the OCC, SEC, Attorney General for the lack of consideration. 

My civil liberties have been manipulated for fare too long. Please act accordingly. 

Please be advised by filing these earning reports put you at liberty violating 18 USC 912. By placing my principle, XXXX XXXX agent to the Principal ( XXXX XXXX XXXX ), as a public XXXX in order to obtain money, the responsible party, CEO, CFO maybe penalized with fines and jail time of 3 years. 

As a private party, I dont have earnings connected with the trade or business franchise, then you cant have a tax liability. This is a form commercial invasion of the state which is in violation of Article XXXX section XXXX of The 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
Consumer complaint received 2023-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have called numerous times to USAA regarding a check that was mailed out to me specifically... It was processed, approved, and cashed into an account that was NOT UNDER MY NAME. I have called multiple times per month, with no action taken whatsoever by the approving bank. This was a check regarding student college refunds for the amount of {$3100.00} and deposited on XX/XX/XXXX, again, to an account that was NOT MINE. I was not contacted by the check issuer, nor by USAA that this check was deposited. I was not aware of this check 's existence until XXXX of XXXX and have tried with the original issuer ( XXXX XXXX ), the school ( XXXX XXXX ), and USAA to get this resolved but I believe USAA is to be held responsible for the approval of a check into the incorrect bank account with researching beforehand. I was told I would be reached out from USAA regarding this issue. I have contacted USAA on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all of XXXX. Consistently asking for approval reason into the incorrect bank with no answer. USAA Has said no contact was attempted to reach 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 2023-08-27 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

This company opened an account in my name when I was incapacitated. This is the second time I have disputed this account and theyve failed to resolve and correct the invalid / Identity Theft account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
On XXXX I filled out an card application via web link https : XXXX? XXXX & XXXX : XXXX & XXXX & XXXX & XXXX for the CITI SIMPLICITY CARD which is offering 0 % XXXX on purchase for 12 months, 0 % XXXX on balance transfers for 21 months with a balance transfer fee of 3 % or {$5.00} minimum ( for the 1st 4 months ) ... ... ... I then clicked on the link to fill out the application for this same card https : //online.citi.com/US/ag/cards/application? XXXX & XXXX : XXXX & XXXX & XXXX & XXXX & XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX XXXX XXXX as you can see when checking these links there is no mention or option for the CITI DIAMOND PREFERRED card nor did I apply for this card ... XXXXwhen my application was processed to my surprise I received an email congratulating me on being approved for the DIAMOND card ... ... after seeing the fee for balance transfers on the DIAMOND card was 5 % instead if 3 % I called to explain there was an mistake made by CITI and that I did not agree to different terms ... XXXXthey insisted I did and advised there was nothing they could do to change the terms so now I am reaching out to you for help I don't have and did not use any other link so there must be an error on their website/system causing the issue

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 2023-08-27 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Over 95 days and still can't fix my account but have steadily push unwanted high interest rate cc 2 today in sunday

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