vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Bank : Synchrony Bank XXXX XXXX credit card ) Plaintiff Lawyer/s : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Phone : ( XXXX ) XXXX My complaint as follows : I had a man come to my door, bang on it like a police officer, and ask me my name, then shoved an unsigned lawsuit paper in my hand, so I don't know who gave it to me. He then told me I have been served. The company, in this case, a bank, never sent me prior notice that they intended to sue me, just the rude man comming to my house. He looked like his eyes were filled with hate, and he was quite rude with how he spoke, his body language, and general demeanor. I was actually nervous, his vehicle had no markings indicating a sherriff or law enforcement and he produced no identification. I tried to contact XXXX XXXX XXXX via email when there website malfunctioned, when I tried to set up debt repayment. No response for XXXX weeks now. I feel as if this was a bit overkill for debt collection practices and I intend to hire an attorney to sue them for the bullying in this maner. I hope nobody else ever has this happen as it did to me, I still have aftershocks of XXXX  when I think about it. 

The message in parentheses is for CFPB and should be deleted prior to publishing to consumerfinance.gov. 

( If you know any good attorneys who will work pro-bono for part of the lawsuit settlement, please have them contact me at the phonenumber listed in my CFPB account after XXXX XXXX Monday-Friday, thank you for your time. )

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 2024-01-27 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: OR

Complaint narrative:
I have had multiple issues with them. My account was on IDR when transferred to Nelnet, I set up auto debit but it continues to push out the due date so I need to manually go in each month and make a payment or it continues to accrue interest. I have two loans of equal interest rates and make payments large enough to cover both the interest and principle on both but they continue to apply the payments to one loan so the interest capitalizes on the second loan. I've asked for them to correct it but they continue to not apply it to the second loan so I'm continuing to accrue interest. They are utterly incompetent and costing me additional money and no one will do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Delete inaccurate information from my 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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Delete inaccurate information from my 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 2024-01-27 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I went to use my Amex gift card on doordash. Ive gotten the card as a XXXX gift and havent used it at all. Today is the first day I would be spending the money but all of a sudden it doesnt work. I went on the website to see if the card to activated and it told me it was. But when I kept trying to use it, it would not work what so ever

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-27 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: FL

Complaint narrative:
I am writing to formally dispute and request correction of inaccuracies on my credit report, which I previously brought to the attention of TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following discrepancies in my credit report. Despite my initial contact, there has been no response from TransUnion to date. 

XXXX XXXX XXXX  ( Account : Date Opened : XX/XX/XXXX, Balance : {$2300.00} ) : Discrepancy : Disagreement with the reported balance. 
Requested Action : Correct the reported balance, remove Past Due information ( as the account is closed and charged-off ), and mark the account as disputed to prevent adverse effects on my credit score. 

XXXX ( Account : Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) : Discrepancy : Discrepancy in the reported balance. 
Requested Action : Verify the accuracy of the balance, report the account as disputed, and advise TransUnion to update the status with the creditor. 

XXXX XXXX ( Account : Date Opened : XX/XX/XXXX, Balance : {$410.00} ) : Discrepancy : Uncertainty regarding the reported balance. 
Requested Action : Verify the accuracy of the balance, mark the account as disputed, and provide verification of Date Opened, Date of Status, and First Reported. 

XXXX ( Account : Date Opened : XX/XX/XXXX, Balance : {$4400.00} ) : Discrepancy : Inaccurate reporting of the balance. 
Requested Action : Correct the reported balance, remove Past Due information ( as the account is closed and charged-off ), mark the account as disputed, and verify Date Opened, Date of Status, and First Reported.

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 2024-01-27 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: OR

Complaint narrative:
I applied for the XXXXXXXX XXXX  program through Nelnet in XX/XX/XXXX. I received a letter on XXXX XXXX stating that after a one-time payment " we will apply the new repayment plan you requested to your eligible loans '' and I would be switched over to the XXXX XXXX. I promptly paid the requested amount and payment was processed XX/XX/XXXX. 
It is now XX/XX/XXXX and Nelnet has put my account in administrative forbearance for almost 3 months, all the while thousands of dollars have accrued in interest. I have contacted them multiple times, verified that all documents were submitted and complete, and that payment has been received and I was ready to be switched over to the XXXX XXXX, and yet nothing has happened. 
It has been 5 months since I first applied for the XXXX XXXX through Nelnet! Meanwhile, XXXX  of dollars of interest has accrued and I am penalized for their inability to process my application in a timely manner. As of today, my account is still in administrative forbearance, with an absurd amount of {$16000.00} being due on XX/XX/XXXX. Calls to get this sorted out have been met with excuses and the representative stating there is nothing they can do. I was actually told to remove auto debit from my account in case Nelnet actually tries to transfer that amount come the due date! They won't transfer me to anyone who can help, or give me any information, except to tell me to wait, and to contact them again if mistakes occur on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Since Wells Fargo took over servicing of my loan in XX/XX/XXXX, they did not perform due diligence to estimate my property taxes after the purchase of my loan, causing an immediate increase to my mortgage XXXX starting in XX/XX/XXXX. I did not call to complain about it at the time because this only represented a minor mistake based off the increase. Then in XX/XX/XXXX I was notified of another increase based off their miscalculation and adjustment to my property taxes. I did call them to complain at this point because I know they did not perform their due diligence when taking over servicing of the loan for estimation of taxes plus proper reserve requirements. They stated they were only able to forebare a nominal amount of {$100.00} that would not help at this point. I applied for a loan modification in XX/XX/XXXX to help with this and I was declined. Now I just received my escrow analysis for XXXX and now there is a shortage of over {$3000.00} l, adding {$200.00} more to my escrow impound payment. Since they took over servicing of my loan, my payment has now increased by XXXX XXXXXXXX due to their original error of not properly estimating taxes and setting appropriate reserves since taking over servicing of this loan.

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
A payment was made to XXXX XXXX  in XX/XX/2022 for {$1400.00} for payment in full. I have a copy of the cleared check. The account still appears on my credit as unpaid. I have made several calls and filed disputes with the bureaus to which they reply it is unpaid. I have sent copies and they still refuse to remove this account. Clearly a violation of the FCRA, not to mention the attempts to collect on a debt paid 2 years ago. I would like this completely removed from my credit as it now has caused issues with my score and prevented me from obtaining other new lines of credit and as a young professional now is the time for me to be building my credit

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 2024-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
i have a Kohls card, i was declined at XXXX, on Kohl.com ; I called and they stated that i needed to send a copy of my SS card. gave me a fax number. i did this on Tuesday, because i received the confirmation that the fax went through. i called the XXXX number to verify, was told can't talk to that department. said it would be a couple of days until the account was updated. this was Wednesday morning ; it is now Saturday. i tried to place the order again as i had noticed that the card number on my Kohls App had been updated, and i asked about this specific question within my fax. i was provided a 35 % off coupon, that can not be used basically. i was told on my first phone call today that my card was active and has a good credit limit. they suggested i remove the card and then put the card back into the app. did that, used chat service, again told to call the XXXX number, mind you different XXXX # 's. called that number, was transferred to a different department that went through the verification process again, now 3 times just today. verified who i was, then told that the fax still hadn't been notated on my account. representative on Wednesday said a couple of days, asked for a call back, advised they don't have phones, they are an internal department. asked for the CFO phone number or email address, advised one doesn't exist. asked for a board of directors email or phone number, was given one, will try it on Monday when they should be in the office to see if it works. i have been a customer of Kohls for 20 years. i am not sure what flagged this but it is getting to the point were i dont even want to be associated with them. the only thing that keeps me with them, are the discounts they offer. XXXX i have talked to Kohls via chat, and 2 different XXXX # 's at least 10 times in the past week. XXXX when i spoke with them last week when they asked for my SS card to be faxed, they said they mailed me a letter asking for this information. welp, you know the mail today, never received that letter. i also asked why it was needed, was fraud on my account? whats the purpose. no explanation as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
XXXX  used deceptive practices and issued a travel package. When we arrived to our transportation we were told it was over booked. 

XXXX refunded only the transportation and refused to cancel or refund the hotel in a different state. 

XXXX told me they would launch an investigation and get back to me within XXXX  days and never got back to me. 

Affirm assured me that if XXXX processed the refund I would be clear of making payments when I made them aware. 

Upon checking with XXXX in the XXXX  days period they said they had no record of an investigation, and were refusing to issue a refund because of the time that had past, resulting in a default payment of XXXX  days on my affirm account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: GA

Complaint narrative:
This has been submitted before but they are still doing the same things as before they keep asking for information they already have and now that they have denied met XXXX  the say I can not appeal again The last denial was sent to me on XX/XX/year> XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/2023 I sent a dispute CERTIFIED MAIL. It shows you have received it yet you have not provided me any results nor removed the items requested. Im preparing my legal case and these accounts MUST BE REMOVED due to violating my FCRA and consumer laws of no response and stalling on removals. XXXXXXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX Account : XXXXXXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections. 

I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request. 

Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA. 

I have attached copies of relevant documents, such as payment receipts and bank statements, to support my claims. I trust that these documents will aid in the verification process. 

I appreciate your attention to this matter and your prompt response. Maintaining the accuracy of my credit report is of utmost importance to me, and I am committed to ensuring that all information reported is fair and accurate.

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 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
So I opened my checking account with Union Bank on XXXX the middle of the year I start using my card and I was paying a lot of fees for not having enough funds on my account so they give me the option to get withdrawal protection of paying {$33.00} a month and the amount that I spend I didn't notice that I was paying more than {$2000.00} a month of when I try to get a refund Union Bank never replied to me now it cost XXXX XXXX I try to open a loan with XXXXXXXX XXXX  and automatic they send me a check of {$800.00} I go to the bank I told the guy on the bank that it's more than XXXX what they owe me and he told me you're lucky they give you that amount because they only give you 3 months behind I don't think it's fair that they don't want to refund me the money I was with them since XXXX into XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
B of A sent a second mortgage payment to our mortgage company XXXX XXXX  on the XXXX after we had already paid the mortgage on the XXXX mistakenly either by myself or by them. Subsequently XXXX has requested a transfer of funds back to B of A on the XXXX of XXXX at our request. B of A has still not credited our account with that second payment as of closing on XXXX XXXX. I have called their executive office to speak to the assigned representative and left a voicemail for an answer as to when these funds are going to be transferred back to our account. No one has responded. We have both the reference number for the transaction and the federal transaction id as well, to no avail.

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Received a text message stating that my credit score went down XXXX points. The message claimed to be from Equifax. I checked my score with one of my credit card copanies and that was totally a scam!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this information from my credit report. Thank you.

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 2024-01-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to bring to your attention a matter of concern regarding inaccurate information on my credit report, specifically reported by Experian. On XX/XX/XXXX, I initiated contact with Experian regarding discrepancies in the reporting of certain accounts. Unfortunately, despite the passage of time, I have not received a response from Experian. As a consumer, I believe that Experian has a responsibility to adhere to federal laws and regulations, including the Fair Credit Reporting Act ( FCRA ). 
The following details the inaccurate information on my credit report and the necessary corrections : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2300.00} ) : The reported Balance of {$2300.00} is disputed as I recall the amount being lower. 
Kindly delete the Past Due amount, as this account is closed and charged-off. 
Requesting the account to be marked as disputed to prevent further impact on my credit score. 

XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) : The reported Balance of {$1900.00} is higher than my recollection. 
Since the account is reported as closed, please refrain from providing a Past Due amount. 
Requesting the account to be marked as disputed to facilitate resolution with the creditor. 

XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$410.00} ) : The reported Balance of {$410.00} is disputed, and I question its accuracy. 
Delete the Past Due amount as the account is closed and charged-off. 
Requesting the account to be marked as disputed to prevent further negative impact on my credit score.

Additionally, verify the Date Opened, Date of Status, and First Reported for this account. 

XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4400.00} ) : The reported Balance of {$4400.00} is believed to be inaccurate. 
Since the account is closed and charged-off, please refrain from presenting a Past Due amount. 
Requesting the account to be marked as disputed to protect my credit standing. 
Additionally, verify the Date Opened, Date of Status, and First Reported for this account.

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