vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
It's been many years, so forgive me if I'm rusty on some of the details. 
Once I began paying down my XXXX and XXXX school loans, the company in charge of them was Nelnet. 
I struggled to find a well-paying job, and every year, when the loan amount that I needed to pay would jump to $ XXXX, I had to call in to ask for a lower payment amount. 
Every time, they would simply ask me how much I could pay, and regardless of how low a figure I mentioned ( {$200.00}, {$300.00} ), they would simply say " OK sure, we'll put you down for $ XXXX. Or, I would apply for the income based repayment plan, again with no issues. 
I was thrilled with the lower payments. Naturally, I figured I was hardly paying down any principal, but my only experience with debts to that point had been with credit cards, where as long as you paid a minimum amount, the principal would be going down ( albeit not by much ). 
Unfortunately, what no one EVER mentioned or explained was that something called negative amortization existed. 
Instead of lowering my principal by pennies, I was in fact ADDING the unpaid interest to my principal balance! 
Student loans are so depressing that I stupidly didn't pay attention to the principal balance for years, just making sure I made my minimum payments on time. 
Until one day I noticed the balance and figured out what happened. From there, I scrambled with my finances trying to get it to manageable levels. It took a VERY long time just trying to pay down all the excess interest I had piled up! 
This predatory behavior is directly aimed at fresh XXXX and needs to be amended immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX  - {$1300.00} Open balance Unauthorized/Erroneous Account RESULT OF the XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 

please provide original documents! this is not mine I have no record of ever having 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 2022-08-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I attempted to close my saving account 3 months ago. At the time, was told that I needed to first drop it to a XXXX balance and the account would be closed. I transferred out the XXXX on XX/XX/18 to XXXX the balance. I then went back to close the account on the XXXX, XXXX, and XXXX but the system would not allow it although I very clearly had a XXXX balance. Last night I was charged a {$12.00} fee, 3 days before the other fees were assessed and called in to rectify. I was told by the agent that I now had a negative balance of {$12.00} and would need to get that to XXXX before I could close the account. I asked to reverse the fee to which he said he can not due to the fact that I do not have a relationship beyond the savings account. It should be noted that I also have a XXXX mortgage with this once decent bank. 

Note - This was originally an employee account which allowed for no fees on savings regardless of balance. When I left XXXX, I was never provided a disclosure, electronic or otherwise, of a change in fee structure.

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 2022-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I wrote up a letter to Portfolio Recovery Associates for verification of the current debt ( {$4000.00} ) they have listed on my credit report. I sent this letter on XX/XX/2022 by certified mail to XXXX XXXX XXXX. XXXX, VA, XXXX. Today is XX/XX/2022 and I have not received any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I received a letter from Marcus about them closing my high-yield savings account without any explanation. I called and they said they can't tell me why, but have locked my account and I haven't been able to log in to transfer my savings. I called on XX/XX/2022 and can't get an answer why. 

I had this problem with a credit card in the past issued by XXXX XXXX, where I have good credit and paid my balances off in full ( no late payments ) and they closed my account without reason or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize. There is also an account from XXXX XXXX XXXX XXXX and I do not have a loan with them and it is showing on 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 2022-08-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I had 4 payments from savings to a moving company that lied, they stole from us and broke many of our other things. ( over XXXX in stolen and damaged goods on top of the over XXXX we payed to get things back because they upped the prices after having our things, we were quoted under XXXX ) We are pursuing the XXXX but were also instructed by a law branch to reach out as they did not render services as promised and we should not be held accountable for the payments. Two of them came from savings withdrew directly from the account, the other two were sent from the bank through XXXX that was offered from the bank application. Upon reaching out they decided not to pursue helping and just closed the complaints. 
The claims were filed XX/XX/22 Transaction dates and amounts : XX/XX/22 to XXXX XXXX XXXX ( known as A-on-Time and now " closed '' ) {$1300.00} same group on XX/XX/22 {$880.00} Through XXXX to ( Flash boys moving ) XX/XX/22 {$480.00} XX/XX/22 {$1000.00} There was also cash given due to the company lying and making changes how I can pay after having my items loaded on the truck. I am aware I can not prove the cash was withdrawn to pay the movers ( despite it being withdrew the same day the XXXX was sent ) but I would like to be reimbursed for the amounts that can be proven. The moving company is a scam and services were not rendered. They did not complete their end of the service. The insurance on the paperwork was not able to be utilized because the company closed.

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 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act Department of Education Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Credit Card Account # XXXX and # XXXX, XXXXXXXX XXXXk 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.

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 2022-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I consolidated my loans more than 10 years ago for PSLF. I have made payments for 11 years under a income based repayment plan. I have certified my employment with the same employer, the State of Ohio government, every year. Fedloan servicing decided they will not certify my employment for a period of time in the middle of my tenure at the State of Ohio, even though I have submitted certification for that time period multiple times as recently as XXXX. This has stopped my from getting PSLF discharge for more than a year. I have tried to straighten this out over the phone, they recognize there is a problem, but then do nothing to fix it. The two loans are consolidated and I make one payment per month, but somehow there are different payment counts on the two loans. I don't see how this is possible. I have documentation to back up my claims. I am fully eligible and have been for over a year. They refuse to discharge my loan or give me credit for my payments made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2022-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
I reached out to all the credit card companies on my credit report as well as ncb management services requesting a validation letter of contract. These companies were not obtained by me. These companies refuse to work with me. I have been XXXX from work since XXXX of XXXX. I was never in financial position to take on any credit cards. 
NCB management services want XXXX the account was open XXXX. That is not a company i worked with.XXXX XXXX XXXX XXXX is not a company i work with they instead wrote of the debt imstead of removing the fraudulent account. XXXX XXXX XXXX wrote off majority of the fraudulent account now XXXX dollars owed instead of allowing me to do a fraudulent packet.XXXX XXXX XXXX has a fraudulent balance of XXXX this account is not mines. XXXX  XXXX is a fraudulent account with a balance of XXXX. Last but not least XXXX XXXX opened a fraudulent account with balance of {$360.00}. I have requested documentation of validation constantly from these companies they refuse to send the paperwork. I have tried to handle this with each company they refuse to respond to any legal documentation i sent them. None of these companies have a contract with my physical signature confirming that I accept responsibility of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with Inquires I did not authorize

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 2022-08-24 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: PA

Complaint narrative:
These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.

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 2022-08-24 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: PA

Complaint narrative:
These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.

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 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I am a Natural, living person. I have rights under the 15 USC 1681. 

XXXX is governed by 15 USC 1681. And they have violated my rights numerous times. i demand the account listed below to be removed because According to 15 USC 1681 : I have the right to privacy and furnish, I did not give XXXX written permission to furnish these accounts. 

15 U.S.C. 1681 section 602 A. States I have right to Privacy. 

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not report without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


Accounts XXXX XXXX XXXX Account # XXXX Vt- XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX of XXXX card Account 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 2022-08-24 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: PA

Complaint narrative:
Hi, to whomever this may concern, transunion has violated my rights according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I informed them that they're reporting both fraudulent and inaccurate accounts on my credit profile and they are yet to respond to my letter that was sent well over 30 days ago. Transunion isn't taking me or my credit report seriously at all and it's crippling my credit scores and my credit worthiness. I find it extremely unfair that I'm being punished for there mistakes.

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 2022-08-24 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: MA

Complaint narrative:
Equifax has continued to report incorrect information for several years to the point where Im going to proceed with legal action. there is a closed XXXXXXXX XXXX XXXX account # : XXXX opened on XX/XX/XXXX in the amount of {$7300.00} and paid off on XX/XX/XXXX. it shows as having a 60 late payment on in XX/XX/XXXX. I have disputed this item several times over the past few years and it has been removed and it keeps popping back up on my report. I am sick of Equifax 's ineptitude and they need to fix the reporting of this vehicle loan immediately to paid as agreed with no late payments. I have an official letter from XXXX stating that there was never any late payments on this account. FIX THE PROBLEM EQUIFAX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, 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: DE

Complaint narrative:
When I contacted the credit reporting agencies in regards to the prior information still being reported to my credit file, they assured me that the information being reported to my credit file was " verified ''. However, 15 USC 1681 they are intentionally and willfully being neglectful in remedying my affairs l 15 USC 1681e ( b ) assures that that I am due, promised accuracy on my credit report under federal law. 15 USC 1681i ( A.5 ) says that after the reinvestigations, all unverified information must be removed from my credit file. All of the accounts listed from previous disputes haven't been complete in a thorough reinvestigation.

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 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have two unauthorized charges that were charged to my account i did filed police report and did submitted many times every single XXXX time each representative says they didn't get where fax report confirmation it was delivered I have faxed 12 times. 
There were two charges in the amount of {$870.00}, {$870.00} in XXXX one in XXXXXXXX one in XXXX. I need justice in regards to it. Account number : 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 2022-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL

Complaint narrative:
My uncle left me a house when he passed away XX/XX/XXXX of XXXX I make a payments on the house since then I finally got the house over in my name XXXX of this year. I had a problem with my health so I had my daughter handling my financial affairs she took over my financial affairs XX/XX/XXXX I had payments paid up until XXXX of XXXX. I didn't know that my daughter was not making payments because I had not received any information from the mortgage company because I had not yet had the deed in my name so they would not release any information to me. And once it was in my name and I found out that my daughter had not been making any payments and the property was going into default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation