vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Note that this is a followup to complaint XXXX On XX/XX/2024 I applied to have all of my existing student loans consolidated into direct Loans via studentaid.gov. on XX/XX/XXXX I received the letter from aidvantage detailing all of my loans to be consolidated as requested. Two of the loans in the consolidation were held by Nelnet DBA Sloan Servicing ( note that these two loans were FFEL loans and Nelnet restructured into Sloan Servicing some time shortly after my consolidation request ). On XX/XX/2024 the consolidation loan appeared on my XXXX account in the correct amount to include the two loans that were originally held by Nelnet. 

However, as of today XX/XX/2024 the loans held by Nelnet XXXX Sloan Servicing still appear on my Nelnet account and are actively accruing interest. I followed up via phone with aidvantage twice, most recently on XX/XX/2024 to verify that the consolidation payoffs were sent to All servicers which they confirmed. They stated payoff was sent to my servicers on XX/XX/2024. Additionally I followed up with Sloan servicing twice most recently on XX/XX/2024, however they could only tell me that my loans held by them were flagged to be ready for payoff, but they had not yet received a payoff amount nor had any further information regarding the payoff. They also stated that the loans will continue to be active until the payoff arrived. They could not give me a time frame or any further information or point me to anyone else that could solve this problem. 

So as of right now, XX/XX/2024, I have loans that should have been paid off as part of a consolidation that are still active with Nelnet DBA Sloan servicing and accruing interest, erroneously. No one has been able to give me any information regarding when this will be settled, or when these loans will be marked as paid for the consolidation. 

Every step in this process in which I've tried to reconcile this discrepancy has been documented verbatim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
I have a prepaid mastercard gift card through US Bank. I have an unauthorized charge for {$140.00} that drained my remaining balance all but {$0.00}. I called the number on the back of the card and they told me to fax my SSN and ID over to a specific number. I do not have a fax machine but also am very frustrated they requested this info. They then told me it could take 90 days to resolve. I submitted a claim on the XXXX website but have no way of checking the status. This is very frustrating to have {$140.00} taken from me and I feel there is not a chance I get the money back.

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 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Beginning balances changed every time there is a direct deposit ; incorrect available balances reported to me with no explanation or acknowledgement of money unaccounted for. Available balances not matching up with documented spending from day to day ( due to changing beginning balances. ) being gaslit and told that I need to check account activity against the text communication after repeatedly confirming that I am doing both.

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 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

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

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 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
In XXXX I ordered some Items, using my Discover card for payment. The merchant listed the items as delivered when they were not. After contacting them several times the delivery was made and some items were listed as included but they were not. I requested to return the packages, and the company did not respond, after several attempts, I contacted Discover Card XXXX and filed a dispute. 
The merchant responded, apologized for the delay, and provided me with two return labels, generated by their company, with instructions for the return. 
And the promise of a full refund would be processed. 
I uploaded all correspondence to Discover card XXXX with full proof of the return, all emails, return shipping labels, drop off receipts, and confirmation of return delivery with tracking number. 
Discover Card XXXX  has refused to accept the proof and is claiming the charges are valid. and I am responsible for the payments. 
I have contacted Discover card 4 months with no results

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
After reviewing my TransUnion and XXXX credit reports, I can see information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. Please see attachments below

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 2024-04-17 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: IL

Complaint narrative:
XXXX was supposed to remove hard inquiry off my credit and it is still showing on 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 2024-04-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I signed up for the highest level checking virtual wallet with PNC Bank and the promotion they provided to me was {$400.00} for opening an account with direct deposit. I met the terms of the promotion and never received the funds, I followed up multiple times to confirm I was supposed to receive the promotion and they confirmed I should, then I never received it. we are now in XXXX of XXXX ( account was opened in XXXX of XXXX ) and they are stating the branch I opened the account in did not have this promotion. Yet they are the ones who told me about the promotion when I opened my account. The back and forth with this bank has been most frustrating. Working within the Risk and Compliance world for another major bank I know this is unlawful. Please investigate their actions I would hate to think how many others they are doing this to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
I went to XXXX XXXX XXXX XXXX for XXXX XXXX in XXXX XXXX. I have XXXX XXXX XXXX in California. XXXXr paid XXXX XXXX for the treatment, but there was a billing error. We called XXXX and XXXX XXXX multiple times on a XXXX call and it was agreed by all companies that the bill had been taken care of yet XXXX XXXX kept sending us a bill. Every time we called we were told it was taken care of. Then we got a bill from ARstrat a debt collection agency saying that they had picked up the debt from XXXX XXXX and we owed them. We called them and explained the situation and they then sent us a statement from XXXX XXXX saying we had a XXXX balance. Yesterday we got another bill from ARstrat asking for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have something on my credit report that shouldn't be on their still 2 actually

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my 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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
After reviewing my XXXX and Experian credit reports, I can see information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. Please see attachments below

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 2024-04-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
I was contacted by a company calling themselves XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Also, by someone from the number XXXX claiming to represent that company as being an officer and that I would be subject to defrauding a bank over an installment loan from Advance America. That they were legal advisors and make recommendations. They threatened to come to my house and my work and have me arrested for bank fraud. They refuse to put anything in writing and I did make one payment to them out of fear. I do owe a debt to Advance America.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: First Financial Resources, Inc.
State: NY

Complaint narrative:
I have been receiving robocalls from " XXXX from FFR '' since XX/XX/XXXX. The calls usually come from XXXX, and have recently also been coming from XXXX. I typically receive multiple calls per week from these numbers, since they first started calling me. If the call goes to voicemail, a recorded message instructs me to call back at XXXX, without explaining the purpose of the call. The recorded message is exactly the same every time. If I answer the call, hold music plays. I searched the phone numbers online, and one of them ( XXXX ) is associated with a debt collection agency called FFR, Inc. Searching the phone number online is the only way I have been able to determine what the calls might be about. The calls have never identified the company as a debt collection agency, informed me that they are trying to collect payment from me, informed me of any creditor to whom I owe debt, informed me of any amount of money I owe, provided verification of my personal information or validation information regarding the debt, or informed me of my rights to dispute the debt. I have not received any written communications from a company called " FFR, '' or any other written communications notifying me of any debts. I have never been told by the caller what " FFR '' stands for, or what type of company it is. Since I have not been connected to a person any time I have answered these calls, and I only hear hold music, and I have not been told why I am being contacted, I have avoided these calls, because they appear to be a scam and/or illegal unwanted calls. My phone number has been on the Do Not Call Registry since XXXX. I need to know whether these calls are legitimate, so that I can resolve any concerns, but I have been cautioned against speaking to unknown spam callers. From information I have read on the CFPB and FTC websites, it appears that if these calls were about a legitimate debt I owe, I would have been informed of the debt through written communication, and failure to do so is a violation of fair debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have made several attempts to get Experian credit reporting agency. To remove this address from my credit report because it does not belong to me XXXX XXXX XXXX XXXX XXXX, WI XXXX. ( Please See Attachments )

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 2024-04-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I have a Certificate of Deposit with Marcus by Goldman Sachs that matured on XX/XX/2024. I had established instructions for them to transfer the amount when closing to an account on XXXX XXXX XXXX XXXX XXXX. I was able to establish the external account access within the Marcus platform. The money was never transferred according to my instructions, nor was I notified that it had not been transferred according to my established instructions. I submitted a complaint about this to CFPB on XX/XX/2024, and the company has yet to respond. 

On XX/XX/XXXX, Goldman Sachs and I had a three-way call with a representative of XXXX XXXX XXXX XXXX XXXX to confirm that the receiving account was indeed mine. Goldman Sachs was able to confirm that and then claimed the money would be transferred. As of today, XX/XX/XXXX, the money has yet to be transferred to that account. I reached out to a Goldman Sachs agent online sometime around XX/XX/XXXX, and they told me that once more I would have to call and repeat the process already done on XX/XX/XXXX. 

Once more this company has failed to follow my instructions for withdrawal and they are holding onto and continuing to profit from about {$11000.00} of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I checked my credit history as I'm in the process of purchasing a house in XXXX XXXX and I noticed a collection account on my credit report that I wasn't aware of any issue with this creditor. The original creditor is XXXX XXXX XXXX XXXX and that I was never contacted by them to make restitution on said account stemming from a trip to hospital. I reached out to my insurance company to find out why they did not pay the bill and they stated that the XXXX company never sent them a bill and that if they had the information, they would pay the bill now. I then reached out to Arbor Professional Solution with my insurance rep on the phone with me and they refused to give me/us the information to close this issue. The collection agency refused to give us the information and told me that I was being sued and that we would have to contact the law office of XXXXXXXX XXXX XXXXXXXX XXXX in XXXX. On XX/XX/XXXX myself and another insurance rep from XXXX XXXX XXXX contacted the law office and talked to one of employees and she was very rude and non- helpful with resolving this matter. She asked me to give permission for her to talk to the XXXX rep, only to not give him the information need to pay off the bill. On XX/XX/XXXX I went to the XXXX XXXX Department to see if they would give a copy the bill. I came into contact with one of the LT. on site that day and he gave me a hard copy of my bill and he sent me an electric copy of my bill. Upon looking at the bill I notice that XXXX XXXX was sent all invoicing to a house I sold in XXXX or XXXX. This is what caused all the problems. But the rep of the law firm was very not helpful, rude and threatening to ruin my credit and not removing the collection from my report. My credit has really taken a hit and creditor have lowered my credit limits due to this mischaracterization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief