vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
I am XXXX and was forced to retire for a medical condition, I talked to XXXX XXXX  Collection Attorney, told him the reduced payment that I could afford living on Social Security and a small pension, he said his client, XXXX XXXX would accept a lump sum, I don't have any sum in savings or checking. They continued to sue me in court, I have had documents about a court XXXX hearing XXXX  times now, then every week or so XXXX XXXX sends me information about my credit score ... I'm old  and I can't take the mental anquish. My car has a XXXX year note still, my name is on a home owing XXXX dollars that was discharged in a bankruptcy, that my ex husband pays for. We have a verbal agreement I take care of the house, but it's his. I had to file with you, my stomach is in knots, this company is always reminding me about my credit score. I tried to pay a reduced payment that I could afford, they wouldn't accept that. Please help, I have to save for a year to get the XXXX dollars to file a XXXX XXXX, thats the attorneys cost. I get a total of XXXX a month to live XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
We received a collection notice from midland credit management for a debt turned over to them from XXXX XXXX Th original company was XXXX The debt was made XXXX and turned over to midland on XX/XX/20 This is not our account and the address which all this information was sent to is not us as it is in another state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: AZ

Complaint narrative:
I had multiple Hard credit checks that were fraudulently ran. 
I never authorized multiple hard credit checks and for the ones I recognize they were only supposed to be soft credit checks not hard inquiries. 
Experian is refusing to allow me to dispute them for fraud because they said its not associated with identity theft because I a disputing that they were not authorized as hard checks but rather soft inquiries. Also some were made in error and when calling the companies involved they had no issue with having them removed and informed me to initiate the dispute to dispute them with Experian to have them removed.

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 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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
Consumer complaint received 2023-10-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I have tried to resolve this issue with EXPERIAN, XXXX and XXXX on XX/XX/2023 but have gotten nowhere. I even sent in proof that this account is reporting inaccurately.

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 2023-10-09 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:
On XX/XX/2023 I sent letters to XXXX, XXXX and TRANSUNION about account XXXX account number XXXX with proof that they are reporting inaccurate information on my credit which is negatively impacting my life. I can not get a job that I desperately need because these companies are not reporting accurately. The payment history is completely inaccurate also the dates, limits and activity if 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 non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I did a bank transfer online from my checking account to my credit card account with PNC bank on XX/XX/2023 for {$200.00}. Upon completion my online transaction was complete and had posted. I checked my account a few days later the payment was not there as if it were never made. I contacted PNC by phone. I was told that on their end no payment was posted. I told them repeatedly that it was there. I did not write the transaction number down nor did I make a copy. I should have since I have had numerous issues with this institution. I was told it would be sent to the resolution department that handles online transactions only. Finally I heard from XXXX after several missed attempts to reach back her number XXXX. I explained what happened again. I was told that I was assigned a case XXXX XXXX her number XXXX. I never did speak with her. She never returned any of my calls. I left numerous messages. Finally after several days I spoke with XXXX XXXX XXXX. Explained my issue again. I was told that there was no transaction made and that no payment had been made since XXXX of 2023. I said that is not true. I made a {$200.00} payment XX/XX/2023. I did contact the BBB. No resolution there because the bank refused to come to an agreement. The BBB did give me the contact information for XXXX of the Comptroller of the Currency. Put my complaint in with them. I received notice from them stating that my complaint could not be handled by them. I was given your contact information to put in my complaint. I have been trying to resolve this since XXXX of 2023. I want PNC to waive this {$200.00} minus late fees that are piling up. At this point my account is almost {$3000.00} in the negative. I have not made a payment toward this account until it is resolved. I want PNC to close my credit card account with them. I will agree to pay {$1000.00}. in installments. I pray you can be of some assistance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: MO

Complaint narrative:
CFPB - Have been trying to manage my loans ( XXXX XXXX ), spouses loans ( XXXX XXXX ), brothers loans ( XXXX XXXX ), and mothers parent plus loans ( XXXX XXXX XXXX in order to get a repayment plan established. Have submitted an application for the SAVE repayment plan for myself XXXX XXXX and my spouse XXXX XXXX but have yet to have any communication returned by Nelnet. Additionally, have been trying to help get my mothers, XXXX XXXX 's, account unlocked/ created and have yet to receive any correspondence from Nelnet in response to an email form sent to them in late XXXX. Nelnets call volumes and wait times are outrageous with approximated wait times of an hour that we can not and will not wait for, so we took Nelnets other approach of contacting them which was to submit the email forms off their website. We have yet to receive any correspondence. Action needs to be taken against Nelnet to implement Service Level Agreements in reference to returning communication. We don't deserve to be put at risk if the company can't handle it's call volumes and if the executives aren't taking an approach to acknowledge the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX @ approx XXXX I stopped at a drive up atm ( XXXX ) that was provided by USAA XXXX I did everything requested to withdraw {$300.00} the money slot never opened and the screen stated you did not take money in allotted time, but then printed a receipt like I received my funds. I sat there and called usaa and they directed me to call my bank which is XXXX XXXX XXXX XXXX I filed a dispute with them and the lady stated of this happens sometimes, they gave me a prospective credit on the XX/XX/XXXX I received a letter from by bank and it stated usaa showed that I benefited from the transaction when I never received anything so on XX/XX/XXXX they took {$300.00} back out of my account. There is a big camera above the atm and they refuse to check I've done 2 disputed with my bank with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: MN

Complaint narrative:
I am unable to afford my SAVE plan payment, so I applied for a term based repayment plan that I could afford with NELNET on XX/XX/XXXX. I received an autoreply email that it would be processed in XXXX days. On XX/XX/XXXX, I received a bill for the original, unaffordable XXXX plan payment. I again tried to request a term based plan on XX/XX/XXXX and received the same auto response that it will be processed in 7-10 days. I spent several days last week on hold for 2-3 hours at a time to try to get an update on the repayment requests, but I never got a hold of anyone. I have a job and can not spend 8 hours at a time on hold. I have sent several emails via Nelnets web contact form requesting assistance and an update on my term based repayment requests, but I have only gotten automated responses to those as well. 

My payment is due on XX/XX/XXXX and I will not be able to afford it. I have been trying for over a month to get into a repayment plan that I can afford, but Nelnet has absolutely no customer service. If my payment is not made on XX/XX/XXXX, I could go into default and harm my credit score, despite my efforts to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
I have student loans from 2007. These loans were given to me by Financial Aid and I didn't understand the process of the loans. Each year the balance and service provider has changed. I was taken advantage at the time I received the loans. I didn't understand the terms because I was on an academic scholarship. These loans were dispersed to me with no information on how they would be paid for. I was a teenager at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
Information not correct for XX/XX/2022 it was pay as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Prepaid card — General-purpose prepaid 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 received an American Express gift card for {$100.00}. I tried using it at XXXX XXXX, an online clothing store and at XXXX. It was rejected everywhere. Online forums say that this is typical. I submitted questions online and talked to someone at American Express, but they wouldn't help. They just said useless things like to check the balance. They basically that I had to keep trying to find a retailer that would take it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX with account number 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. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have tried to resolve this issue with XXXX, EQUIFAX and XXXX on XX/XX/2023 but have gotten nowhere. I even sent in proof that this account is reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 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: MD

Complaint narrative:
The financial obligations to this XXXX XXXXXXXX, account XXXX was affected as a result of an declared disaster. 
As to date the account have been paid on time and all payments should be marked as Paid As Agreed especially since the declared disaster was not as a result of my own doing. The dates are of XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Many people accounts was affected as a result of Covid and I do not feel that it is at all fair that I would have to wait until XXXX of XXXX to have these late payment 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 2023-10-09 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: MD

Complaint narrative:
The financial obligations to this XXXX XXXX, account XXXX was affected as a result of an declared disaster. 
As to date the account have been paid on time and all payments should be marked as Paid As Agreed especially since the declared disaster was not as a result of my own doing. The dates are of XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Many people accounts was affected as a result of Covid and I do not feel that it is at all fair that I would have to wait until XXXX of XXXX to have these late payment removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: OK

Complaint narrative:
Hi I have a NetSpend prepaid card and NetSpend is holding my money to my government check and will not release my money to me they had blocked my last card cause of transactions that I didn't know about and they disputed the charges that was on the card they sent me a new card and they have blocked it put restrictions on the card so I have no access to my money and they will not release me my money from my government check to me on the card they told me to verify my identity and they will check my account to access after I verify my identity they still will not release me my money to me on my card taking me through verification after Verification process and keep continuing to hold my money so I still have no access to my money they have also charged me for a card that I didn't order social security can't help me as they said they are not responsible for early deposits to the NetSpend card and told me that I needed to deal with NetSpend to get my money from them but NetSpend will not release my money to me I've tried to pay two bills it declined payment and I couldn't even get any money from the card at two different ATM locations as NetSpend locked my card and put restrictions on the card when I call NetSpend to talk to them about me not being able to get any money off my card at any ATM locations they take me through verification process again as to see if they can open and look at my account and saying my answers are not what they have on file someone has hacked into my NetSpend account and changed my email address that I had set up with my NetSpend account so i can't login to NetSpend to change password or on the NetSpend app and I still have no access to my money or account and they have changed my anytime alerts number that i had set up with NetSpend so i cant get any texts alerts from them i also cant pay my rent buy any food or pay any bills can't even pay for my prescription meds as NetSpend locked my card and have restrictions on my card and I still have no access to my money please call me XXXX at XXXX thanks

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 2023-10-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: D2 Management LLC
State: MD

Complaint narrative:
This debt is becoming and more convoluted. I have been contacted by FOUR companies regarding this debt ( see attached ). I have never spoken to anyone regarding this debit until XX/XX/XXXX ( first time ever ). I did receive ONE email in XX/XX/XXXX, which went into SPAM and I didnt realize it until recently when I went to check after getting all these harassing calls. This debt is supposedly with XXXX D2 Management, XXXX XXXX XXXX and XXXX XXXX XXXX- this is RIDICULOUS! I shouldnt be contacted by all these companies at one time for a debt ( an almost 5 year-old debt from my understanding ). On my XXXX, it's listed that it opened in XXXX. Yet, XXXX said it was XXXX, which is it?????? Today is Discoverer 's Day and even today do I get calls ON A HOLIDAY!!!! The attached says this debt came from D2 Management - Ive never even heard of D2 Management OR ANY OF THESE people until XXXX XXXX! The abuse I get ( and my mother who is XXXX XXXX XXXX in the hospital ) is OUTRAGEOUS!! I asked your representative to please stop calling me and I was literally told : " THIS IS THE UNITED STATES - WE CAN DO WHAT WE WANT '' - I am not sure which company it was because different companies are calling regarding for this ONE debt. I am reporting this to as many entities as I can because the attachment ( sent XX/XX/XXXX ) CLEARLY STATES IT WOULD NOT GO ON MY CREDIT REPORT DUE TO THE AGE AND YOU DID IT ANYWAY!! YOU ARE LIARS!!! If you lie about this you will lie about anything including this debit ( I am not even given the right date as to when it was opened and defaulted )! I want the calls to me and my family TO STOP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Consumer Adjustment Company Incorporated
State: MD

Complaint narrative:
UPDATE - I NOW HAVE THEIR NAME ( same company as CONSUMER ADJUSTMENT COMPANY but under different name ) : They call every day and even calling family members. I called back asking them repeatedly to STOP calling and they said " This is the United States they can do whatever they want to do. '' They then hung up. When I called back, I got a different person and made the same request to STOP CALLING ME. The person hung up. I called back AGAIN but this this time, I got the same guy who made the above comment. The same guy who said : " Now you're harassing me Ms XXXX '' - which is aburd. All of this is harasment and abusive and tactics to upset the consumer and it was holiday when this took place ( XXXX 's XXXX - XX/XX/2023 ). My mother is 80 years of age and in the hospital and they are even calling HER PHONE number... .this needs to stop now. I believe the company is CONSUMER ADJUSTMENT COMPANY. When I asked them to identify themselves, they said they were XXXX XXXX XXXX OF MEDIATION ( I believe it's just a different name for CONSUMER ADJUSTMENT COMPANY- same company just different name ).. I have good credit with the exception of this OLD DEBT that they said they would not report on my credit report but they did so anyway. I have no medical debt. No student loans. I own no property. I have no car. I have XXXX credit cards ALL OF WHICH are in good standing so I am pretty sure this is CONSUMER ADJUSTMENT COMPANY working with some company called XXXX XXXX XXXX. They need tostop contacting me and my family. They are abusive, they hang up when questions are demanded of them, they talk down to the person and project their own harassment onto the customer as though it's the customer 's fault that they have to call us and our family so much. These people answer the phones with nothing but angry at the onset. Meaning the moment you call them they are already defensive and ready to argue. I have attached the debt I believe they are calling about. A debit they said would never go on my credit report but they lied and placed it there anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: WA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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