vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened my account on XX/XX/23 which until this day I have not received my debit card had to go to the branch to get a temporary card. On Friday XX/XX/23 I made an ATM deposit of my payroll check in the amount of {$2200.00} that check has been on hold. On Tuesday XX/XX/23 I called the branch and spoke to the manager to see if I can get access to my funds she tells me she cant help with that because she has no access to the ATM transactions to call the XXXX number and basically said I can not help you, later that day I tried logging into my account I was unable to that whole day, later that night I tried again and still couldnt therefore I called the customer service number to be told that my account was blocked and was put under investigation without any explanation. Called the number I was provided on Wednesday XX/XX/23 was told they needed to verify the check with my job I provided the contact information for my payroll representative, after that the Citibank rep refused to call my job stating they could not make outbound calls that person disconnected the call with no prior notice. I called back again got a hold of XXXX different representatives finally one actually did his job and called and verified my check then proceeded to unblock my account. Wednesday XX/XX/23 my funds are still not available to me so I called and spoke to a supervisor and she tells me my funds are on hold for 5 days and will not be available until XX/XX/23 which thats more than 5 days then she tells me to go to the branch to see if they can help me because she cant and disconnected the call. I need my money now and Citibank does not care about that or me as a customer and the distress is causing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one savor card- when I realized there was an annual feee I tried to close account. Representative told me I would be refunded since I was within the window. Now the company is refusing to refund

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to file a formal complaint regarding an inaccurate late payment entry on my credit report associated with an account labeled " XXXX  '' with Account XXXX XXXX. This late payment is in error, as I have never been late on any payments, and I kindly request that this erroneous entry be updated and removed from my credit report. 

The reporting of a late payment associated with the " XXXX '' account is entirely inaccurate. I have consistently made on-time payments for this account, and I can provide documentation to support this fact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This has never appeared on any of my credit reports. 

This was an account that was paid in full. 

It was never a charge-off. The limit was only {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: TX

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: MOHELA
State: WV

Complaint narrative:
I have been trying to get a hold of Mohela to submit a new payment plan, they have not responded to any of my calls and the wait times are taking hours. I need to change my payment plan as well as wondering why only two of my payments have been counted for student loan forgiveness after certifying. I want to update my payment plan and pay on time, but I have no way of contacting Mohela and my online submission was never resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: RI

Complaint narrative:
I am writing to bring to your attention a matter concerning my credit report and to request your assistance in resolving this issue in accordance with the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Experian regarding the presence of inaccurate information on my credit report. To date, Experian has not responded to my inquiries. I am providing you with the following details of the inaccuracies and the necessary corrections required : The account under the name XXXX XXXX XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$12000.00} ) is not associated with me. I request its immediate removal from my credit report. 


The account labeled " XXXX '' ( Date Opened : XX/XX/XXXX, Balance : {$10000.00} ) requires further examination due to incorrect reporting. The reported balance of {$10000.00} is in dispute as I believe it to be higher than what I owe. Additionally, this account is presented as closed, and therefore, the Past Due amount should not be provided. I request that Experian mark this account as disputed while I address this discrepancy with the creditor. 


The account identified as " XXXX XXXX '' ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) has inaccurately reported information. The reported balance of {$390.00} is in dispute, and I believe it to be lower. Furthermore, this account is closed and charged-off ; thus, the Past Due amount should not be presented. I request Experian to mark this account as disputed while I resolve this dispute with the creditor. Verification of Date Opened, Date of Status, and First Reported is also requested. 


The information provided for the account " XXXX '' ( Date Opened : XX/XX/XXXX, XXXX : {$9100.00} ) contains inaccuracies. The original creditor for this account is not as indicated ; it should be " XXXX XXXX XXXX. '' The reported balance of {$9100.00} is in dispute, and I believe it to be lower. I dispute this account and request verification of Date Opened and Date of First Delinquency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: MS

Complaint narrative:
I am writing to file a formal complaint regarding an inaccurate late payment entry on my credit report associated with an account labeled " XXXX  '' with Account XXXX XXXX. This late payment is in error, as I have never been late on any payments, and I kindly request that this erroneous entry be updated and removed from my credit report. 

The reporting of a late payment associated with the " XXXX '' account is entirely inaccurate. I have consistently made on-time payments for this account, and I can provide documentation to support this fact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: MS

Complaint narrative:
I am writing to file a formal complaint regarding an inaccurate late payment entry on my credit report associated with an account labeled " XXXX  '' with Account Number XXXX. This late payment is in error, as I have never been late on any payments, and I kindly request that this erroneous entry be updated and removed from my credit report. 

The reporting of a late payment associated with the " XXXX '' account is entirely inaccurate. I have consistently made on-time payments for this account, and I can provide documentation to support this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: NC

Complaint narrative:
I have contacted Transunion to rectify these inaccuracies, but they seem to not want to respect my rights as a consumer as I demanded they be DELETED immediately due to the fact that I didn't recognize them and they are causing distress in my daily life. I have reviewed my credit report and have confirmed that I did not initiate these inquiries nor have I given consent for any institution or individual to access my credit information on the mentioned dates. These unauthorized inquiries have raised serious concerns regarding the security and accuracy of my credit report. The inquiries in question are as follows : XX/XX/2023 Inquiry Type : XXXX XXXX XXXX : TransUnion XX/XX/2023 Inquiry Type : XXXX XXXX XXXX : TransUnion XX/XX/2023 Inquiry Type : XXXX XXXX XXXX : TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed 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 non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I had two credit inquiries on my credit file. XXXX XXXX XXXX and 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 2023-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have been calling Nelnet since XXXX and still have not been able to get in touch with anyone. When trying to use the chat service, I can not get past the Bot. 

The highlight of this horror was on XX/XX/XXXX when I called earlier in the day ( on XX/XX/XXXXXXXX  they hung up while I was still in queue, the recording went from 'please hold ' to 'call tomorrow ' and disconnected. 

But on XX/XX/XXXXXXXX  I waited on hold for 2 hours and 35 minutes. Eventually an agent got my call, but immediately put me on mute. After a couple of minutes of me saying " hello? '' and such, they put me on hold. They picked up again, put me back on mute, I resumed, " Hello? Hello? '' knowing full well that the agent was trying to make their stats look good without having to do their job or possibly get stuck on a long call close to closing time, or close to 'clear the queues ' time. I work for a call center, I knew exactly what they were doing to me. 

To prove I was correct, when the agent hung up on me I was transferred to an automated survey, which asked if the agent I had just spoke " with '' ( no, I spoke AT the agent ), was knowledgeable, professional, and, ahem, " willing to help ''. Insult to injury! 

I am now paying out of pocket with my family 's grocery money because I can not contact this company, and clearly they can't hire enough honest employees with any integrity. Also, my loans had been forgiven and then reinstated. This is just not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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:
Dear Sir/Madam, I am writing to address the erroneous reporting of accounts in my consumer report. I want to emphasize that I never provided written consent for the inclusion of these accounts. Consequently, I firmly believe that my rights under 15 USC 1681b have been violated. This breach pertains to safeguarding consumer information and the necessity of obtaining consent before its reporting. 

I have previously lodged a complaint with the Federal Trade Commission ( FTC ) and have been allocated a reference number : XXXX. Despite my efforts to have these items removed from my report, I have received unsolicited documents from the creditor, indicating a lack of cooperation. My grievance is specifically directed at your credit reporting agencies, as it falls within your responsibility to ensure accurate and compliant reporting. 

According to 15 USC 1681c-2, consumer reporting agencies are obligated to swiftly block the reporting of any information that consumers identify as originating from suspected identity theft. I respectfully urge you to adhere to this legal obligation and promptly eliminate the following accounts from my consumer report : Account Name : XXXXXXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Original Creditors : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX I expect these accounts to be removed in accordance with the timeframe mandated by law, no later than four business days following your receipt of this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Seattle Service Bureau, Inc
State: FL

Complaint narrative:
recently there was a motorcycle accident and I was asked to pay for the damages and I agreed to ay the amount they asked for which i did $ XXXX at that time I asked if this was the total amount and the collector stated yes. XXXX he is stating that I have to ay them another XXXX dollars and I also said i would do so, I have been making payments every month of {$100.00} sent to them by money order with the XXXX ID # XXXX I have not missed a payment. Now this collector XXXX XXXX of the National Service Bureau, has threatened to have my drivers license suspended, is rude calls me and says that the way i am paying is not acceptable he wants my bank account number and has even told me to just go the store and buy a pre paid card and give him that number, when i stated that no i would not and he can not have my bank account number he hung up, He is very nasty and rude even after I have been making these payment as i stated i would. If he does not like the money orders then maybe he should bay this additional money himself. I am afraid if i argue with this individual he will cause me to loose my job and he will have my drivers license suspended because i have not done it in the way he wants. 

They are getting their money and i feel this harassments is uncalled for and this is causing me great distress. I am trying to do the right thing and he is going to make it so that i just say NO MORE if he does not stop the never ending harassment 's

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: MI

Complaint narrative:
On Thursday, XX/XX/XXXX, I logged into my bank account to just do a quick review of my recent charges. I found a double payment on my student loans and wanted to call Nelnet to figure out what happened and how to prevent it from happening again. I called them at XXXX EST and after navigating through their awful automated system, proceeded to sit on hold for! 2 hours! until a support agent answered. She was incredibly rude and made up a story that her computer was resetting just so she could abruptly hang up on me and go take a lunch break. An hour later she called me back to try and address my concerns, but had no answers. I was transfered to a supervisor who was insanely rude, didn't care about my wait time, and had no answers. The worst part about all of this is that the first support agent told me that my issue was caused by a KNOWN GLITCH that Nelnet decided to NOT tell anyone about. When I confronted the supervisor with this information, she confirmed it and said she had no more answers. When I asked the supervisor if a refund on the additional payments were possible, she said that because of how backed up they are on refunds right now, it would take at least 95 days before one would even be processed. Nelnet is purposefully understaffed and those they employ are incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: PA

Complaint narrative:
I found inquiries on my credit report that do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
XXXXy ( medical provider ) was over paid in full. Medical provider never contacted attorney who had provided medical provider with contact information. Instead, provider sold medical debt to Wakefield & Associates who endlessly called, texted and harassed. Deplorable action by XXXX and Wakefield has now jeoparized credit score, house closing, etc..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: NY

Complaint narrative:
I've noticed unauthorized inquiries on my credit report that I would like removed. 

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

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