vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I reached out to my loan company, Nelnet, to see if I could qualify to consolidate my FFEL loan into a direct loan so that I could qualify for PSLF. This would require removing my ex-husband, the co-maker, from the loan. 

I received an official letter from Nelnet on XXXX XXXX which began, " You are the owner of the above account which has a co-maker. If you consolidate, the co-maker of the account will be removed. '' To that end, I would be able to remove my ex-husband, consolidate, and then qualify for the PSLF as I have made qualifying payments since XXXX, and have worked in public service since XXXX. 

I called Nelnet on XXXX XXXX to confirm what was written and begin proceedings, and the first person with whom I spoke said, " I don't think we do that '' and chuckled. I asked if he could kindly confirm yes or no, and noted something to the effect of, " This is very important to me as I am a single parent to XXXX teens and I have already paid more than 80k of my 60k loan and have XXXX remaining payments, which means I may retire before completing my payments. '' After about an hour, I was transferred to a supervisor who finally came to the conclusion that I 'likely " have a spousal FFEL loan that does not qualify for consolidation. I checked my original loan paperwork -- which I still have filed -- and did not see anything written therein disqualifying me from consolidating. However, it is now all over then news that this type of loan is the exception to the PSLF waiver. 

I am very disappointed that Nelnet mislead me, and then half dismissed me when I called, only to keep me on the phone for an hour in their attempt to help me. They have taken so much from me, and have never tried to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Using XXXX at XXXX XXXX Bank, sent my Suntrust credit card a payment. Suntrust showed received XX/XX/2021. Then XXXX XXXX pulled it back. I was not aware until the middle of XXXX. No one emailed, called, or texted. I finally got a note in the mail. By this time Suntrust added a {$20.00} late fee. Contacted both banks and neither knew what happened. Finally, after days, XXXX XXXX said it looked like their system pulled it back because it had been paid with an electronic check assigned the same check number as a paper check I had written previously. 
I told Suntrust what happened. They said pay {$10.00} and they would reverse the fee. That made no sense to me so I wrote and mailed a check paying off the credit card minus the {$20.00}. Then I paid the {$1.00} interest added. Somewhere in the middle of all this Suntrust reported to the Credit Bureau and my score dropped from XXXX to XXXX. This in spite of the fact everyone agrees NOT MY FAULT! 
Suntrust justifies this by saying " Well, it's not our fault this happened. '' XXXX XXXX said they would look into it and contact me in a couple days. That was a week ago. I want my credit score restored.

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 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have try several times to remove unverified inquiries that i didn't initiated in my credit report and they told me they cant do anything than i told them to show me any prove that i initiated the applications. 

Here are the inquiries from Equifax XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 DigitalFCU - XXXX XXXX DATA - XX/XX/2021 XXXX - XX/XX/2021 CIS - XX/XX/2021 Here are the inquires from XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
The company PayPal never completes a simple transfer to account from bank account. They did for 60 days, but for period greater than 1 year the transactions have been blocked for what they say is a security reasons. This is false as the account is secure by access procedures and the simple fact that I control access to both PayPal and bank account. This is a simple ACH transaction that shouldnt have extra steps. I believe PayPal does this to push other revenue generating services trying to force consumers to use them. 

Furthermore when money has left the bank it can take 3 days to get to PayPal account. This is not XXXX, XXXX XXXX XXXXXXXX XXXX compliant. 

Lastly I use account to purchase bitcoin. There are what I believe to be deceptive practices in play. When you buy bitcoin there is the rate for bitcoin. Recently, 1 month, I notice after authorizing the purchase there is an confirmation screen next. The exchange rate at time of confirmation is generally {$200.00} higher than authorization screen even though market rates havent changed that much. This to me is very deceptive and should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/2022 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XXXX XXXX someone had access to my account without any authorization from me. They deposited a fake check of {$25000.00} and withdrawn {$5000.00} from my checking and {$6000.00} from my savings. I saw it and I called citi bank and they did a dispute and give me a claim number and told me to wait until 90 for the investigation to complete. They write telling they need more info I mail them the info they requested. When it was about to reach 90 days they send me a letter in the mail saying they denied to give me back my money and saying investigation complete. I need my money to pay my bills because Im not working and also need it to buy me and my newborn food to eat. Please help me get my money back I will gladly appreciate 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 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have XXXX late payments on my credit score one of them was years ago I was on deployment and unable to pay the credit card but I paid it at in full as soon as I was able to get service. The second one I would like to understand what thats for because I have been with The capability of paying any credits towards myself. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$73000.00XXXX XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX Balance {$17000.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Bankruptcy XXXX Dismissed XXXXr XXXX Bankruptcy XXXX Dismissed XXXX XXXX Bankruptcy XXXX Dismissed XXXX  XXXX Bankruptcy XXXX Dismissed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Google Compare Credit Cards Inc.

Complaint narrative:
I recently tried to make a purchase through a game/app via google play XXXX XXXX XX/XX/2022 ). The app/game was XXXX XXXX XXXX XXXX XXXX  ). The currency in the game store was in my region currency ( XXXX ). After clicking to purchase it took me to the play store. I tried to pay by debit card but received the message 'your payment method was declined, please select a different payment '. So I tried prompt pay. Same message, 'your payment method was declined, please select a different payment '. I then tried google credit by adding the amount to my wallet ( XXXXXXXX XXXX ). Then when I went to click to pay by google credit it said 'this product is not available in your region '. So obviously I can not purchase this product. I asked google for a refund and they refused to give me XXXX, even though It was clear from my transaction history that I was only trying to buy this product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I submitted a dispute to Equifax for a XXXX XXXX account that had been placed on my consumer credit report without my consent, I used Equifax 's online dispute portal ( I will only use XXXX ) from now on as a result. My complaint was that the account is owned by a XXXX XXXX XXXX, XXXX XXXX XXXX and I am XXXX XXXX XXXX, XXXX XXXX XXXX. I stated that the account had wrong information and to delete the wrong account from my credit report in the little area where they have you explain. What happens is I get a generic response letter and just a screenshot of an account with a balance. The account screenshot did not have any name linked to the account, just XXXX XXXX 's response to XXXX was " Consumer 's dispute not specific. Consumer information verified. Account information updated '' not only did they ignore my complaint, they just probably ran this through E-Oscar and ignored what I had typed in the box as my complaint. I am not XXXX XXXX XXXX, XXXX XXXX XXXX and if they did their due diligence they would see that that is who the account owner 's name is. XXXX XXXX 's response does not show the name on the account that will clearly show the account is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$73000.00} XXXX XXXX Balance XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX  Date of inquiry XX/XX/2021 Chapter XXXX Bankruptcy XXXX Dismissed Chapter XXXX Bankruptcy XXXX Dismissed Chapter XXXX Bankruptcy XXXX Dismissed Chapter XXXX Bankruptcy XXXX Dismissed

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 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am extremely disappointed in the service I am receiving from Experian. Im a victim of identity theft and they have made me feel as if Im in the wrong for pointing out the errors on my credit report in which are not mine. One of the agents I spoke to about the lowering of my score after disputing 30+ hard inquiries and XXXX open accounts with large debt amounts were removed from my credit report, I thought it would have raised it but one of the accounts Im still fighting to get it off caused a huge decline and that agent told me I should have left all the fraudulent stuff on my account and I wouldnt be worrying about a decline I was appalled by that and felt like Experian doesnt have much sympathy for the identity theft victims that rely on them to report correct and accurate reports since they are the ones in control of if I am able to get a business loan or not. As of right now Im having to put my business plans to a holt because I now have a fraud alert on my credit and the fraud account is still associated with my report. Because of their inconsideration and rude customer service im left to just shut down my life and have an embarrassing mark on my credit in which I cant complete my reconsideration to the XXXX and create income for myself. Im a victim and Experian is just kicking me down further rather than help me succeed. Oh let me add that I submitted a police report and still havent taken the incorrect account off.

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 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On two occasions I've sent in a FTC Identity Theft report to the 3 major bureaus and have not received any confirmation of receipt or any action. I need this fraudulent account removed to purchase a home and its becoming increasingly frustrating.

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 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This complaint to Experian result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX  XXXX Balance {$73000.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance {$17000.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Dismissed XXXXXXXX  XXXX Bankruptcy XXXX Dismissed XXXX XXXX Bankruptcy XXXX Filed XXXX XXXX Bankruptcy XXXX Dismissed

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 2022-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I have a loan with GM FNANCIAL with account number XXXX. I have always made my payments on time. For some reason, I realized that there were 60 days late payments on my credit report for the month of XX/XX/2019 up to XX/XX/2019. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
On XXXX occasions I've sent in a FTC Identity Theft report to the XXXX major bureaus and have not received any confirmation of receipt or any action. I need this fraudulent account removed to purchase a home and its becoming increasingly frustrating.

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 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
On two occasions I've sent in a FTC Identity Theft report to the 3 major bureaus and have not received any confirmation of receipt or any action. I need this fraudulent account removed to purchase a home and its becoming increasingly frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
my wife recieved a email from our XXXX identity alert that her ssn had been found on dark web for sale. i started to put freezes on both her and my credit. XXXX  was easy. however equifax has for the last 7 days been nothing but a endless loop of answer questions take out a account, which we dont want, and then told call us because we cant help you or verify your idenitity ever though they had ssn, dob, phone numbers and address i even had to go though secondary email varification and still no freeze, i tried twice with so called customer service and first time was hung up on and second time was told to send pictures of myself and my wife to equifax customer service or send all documents by mail. it is clear that equifax has major problems with no intension of correcting them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a collections account that hit my credit report in XXXX of 2021 from an XXXX XXXX XXXX XXXX account that is not mine. The collections account is from XXXX XXXX XXXX and is hitting my Experian credit report. I have filed several disputes with Experian and it keeps reappearing. I have also called XXXX XXXX XXXX but that has gotten me nowhere.

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 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/2022 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise.

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 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/2022 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise.

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