vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 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:
I submitted an application for in-school deferral on XX/XX/XXXX. As of XX/XX/XXXX there has been no action taken on this application, despite their website advertising that applications are reviewed between XXXX business days. 

I have contacted Nelnet multiple times via email and spoke with XXXX Account Managers and multiple call center representatives to request updates on my application status. I have only received automated responses from the email and over the phone I am only told that I will have to wait for my application to be reviewed and that " the team is just backed up on applications. '' When I asked for a timeframe on when I can expect an answer, they were unable to provide XXXX. This is unacceptable. 

I asked to escalate the matter and was told " it wouldn't make a difference with the processing team. '' The Account XXXX pulled up my application while I was on the phone and told me it looked fine and would likely be approved. I asked him why he couldn't just approve it and he told me the processing team needed to do that. It seems inefficient for Account Managers to take escalation calls if they can not intervene in routine situations like this. 

When I asked if he could contact the processing team directly, I was told that wouldn't make a difference either and that they would only expedite my case if there is a " negative consequence '' caused by the wait time. Meanwhile, my account continues to accrue interest ( no interest will be accrued once the deferral is approved ) and I had to ask to be placed on temporary forbearance while the application is reviewed or I would have been overdue. When I explained that I would have been overdue on payments ( XXXX of the examples of negative consequences he provided ) if I had not asked to be put on forbearance, he tried to backtrack and told me they could have expedited it if I hadn't asked to be put on forbearance. 

At this point, Nelnet 's behavior feels dishonest as it directly benefits them to delay the approval process as much as possible because I will continue to accrue interest on my account for every day they delay. This feels predatory, especially because borrowers do not get to choose their student loan servicer, so I do not have a way to advocate for myself or rectify this situation. 

Furthermore, Nelnet should be appropriately staffed at this point and should not use " being backed up '' as an excuse for long processing times. Payments resumed in XX/XX/XXXX, and a company contracted with the federal government should be held to a high standard and expected to staff accordingly. They know how many borrowers they are servicing, so there is no excuse to be unable to handle the volume of applications for XXXX plans, deferrals, etc. ( especially in a time of high inflation and COL ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: NJ

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2024-05-31 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: EQUIFAX, INC.
State: ID

Complaint narrative:
I requested that the credit monitoring be removed XXXX and this has not been done. I found this out when attempting to obtain a mortgage. The alert is a reason I did not get the loan. I attempted today to call Equifax and talk to them but their support services hangs up without getting to talk to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: MA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccurates and unauthorized accounts/Information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

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 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: IA

Complaint narrative:
I received a text from Marcus GM Card asking if I purchased something at XXXX XXXX XXXX. I had not made the purchase. A company rep called me to say they would cancel my card and send a new card. Some one changed my email address, password and home mailing address in my Marcus GM Card account. The new card was sent to XXXX and someone attempted to receive a cash transaction of {$400.00} it was declined and they tried a second time. 
I have now updated my Marcus GM Card account with my correct information and requested a replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc.
State: AL

Complaint narrative:
Requested security freeze on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
To whom it may concern, Ollo Credit was purchased by Ally Bank. My problem started immediately with their website I was unable to make online payments. 
On XX/XX/XXXX. I called to make a payment. 
I was not pleased with the stance their representative took with me. 
So I decided to close the account at that time. 
On XX/XX/XXXX I mailed a check for the final balance of {$780.00}, payment which was due on XXXX XXXX. 
I wrote in the memo section of the check " PAID IN FULL '' They posted the check on XX/XX/XXXX and it was presented to my bank on XXXX XXXX. 
Talking about a snails pace. 
Its not my fault their website was not working or the arrogance of their employee or their slow pace of processing mail in payments. 
In hopes of correcting this situation, I have talked to XXXX, XXXX, XXXX, XXXX and a supervisor XXXX, who said she would call me back, but never did. 
I spent over 2 hours trying to resolve this problem. 
By cashing my check with PAID IN FULL written on it, they agreed that no other monies are owed. 
Now ALLY Bank is assessing late fees on top of late fees. 
A check is a contract they are breaching the contract. 
I want all the late fees removed and compensation for all my time and aggravation trying to resolve this matter. 

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 explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
I hold a Barclays XXXX XXXX AAdvantage XXXX. Recently, I switched cell phone providers and thus got a new phone number. I went into my profile for the Barclays card intending to update my phone number so that I could continue to receive any notifications as necessary. I was then immediately totally and completely locked out of my account for trying to update my cell number. I was told that I needed to fax XXXX documents including my drivers license and social security card to them in order to unlock it. I did so, but am encountering endless issues, including that the scan of the license was " too blurry '' which it was not, and the document containing my SSN not being filed despite the other documents sent in the same fax being so. At this point I'm concerned about missing payments due to being unable to access my account and having an unfair knock on my credit score. The customer service agents have told me they require these documents due to " banking regulations '' but I was able to update my number in my profile with XXXX and XXXX XXXX cards with no issue.

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 2024-05-31 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: TX

Complaint narrative:
The payment history for account XXXXis absolutely inaccurate. I contacted the creditor to inquire about the payment history, and they informed me that Transunion is not correctly furnishing the information that the company is providing. Please explain how you first reported this account 120 days late in XX/XX/XXXX all the way through XX/XX/XXXX. The payment status says, 'pays as agreed ' yet the payment history shows late payments? How does this meet FCRA regulations? The payment history between the XXXX bureaus is inconsistent. XXXX report this account as current never late. Due to your obvious gross misconduct and false reporting, I demand that the late payments reporting on this account is removed and this account is updated to paid as agreed never late. This is a fair warning before I am obligated to move forward with legal action due to the clear errors on my consumer report. I have attached my credit report to show the many inaccuracies and inconsistencies between the XXXX bureaus.

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 2024-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
On or about XX/XX/XXXX I received a monitoring alert from XXXX that I have adverse info. Upon reviewing the information, the a company that I never heard of " Radius Global Solutions LLC ''. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX account XXXX original creditor " XXXX ''. I sent a certified email the same day requesting a debt validation. I have NEVER heard from the company via phone, text or a formal letter in the mail. On XX/XX/year>, I received another report alert from XXXX from " Radius Global Solution '' XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, account numberXXXX. I have yet to hear from the company and this has taken a huge adverse affect to my credit score and livelihood. It is notable I now have to send another letter to address the XXXX reporting due to the difference in the contact information. This company is in violation of FDCPA 15 U.S.C 1692g and therefore the reporting should nulled and removed. My assertiveness acts upon my personal information being compromised in the past. I ask to be fairly communicated regarding this matter as I don't have any knowledge of this allege debt.

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 2024-05-31 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: VA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-05-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I initiated disputes with XXXX, Equifax, and XXXX regarding inaccuracies in my credit report. In these disputes, I provided details of the accounts in question and highlighted the violations they were committing by reporting inaccurate information. Despite this, it has been more than 30 days since I raised these disputes, and none of the credit bureaus have responded. Below, I am attaching copies of all the letters I sent. 

This company has persistently neglected to validate the collection account, thereby continuing to violate the Fair Debt Collection Practices Act ( FDCPA ) Section 809b, as per the opinion of the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: PA

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the failure to investigate and appropriately mark my disputed accounts, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Over the past several months, I have repeatedly contacted the company to dispute inaccuracies on my credit report. Despite providing ample documentation and following the dispute procedures outlined by the FCRA, the company has neither conducted a thorough investigation into my claims nor marked the disputed accounts on my credit report. This negligent behavior not only breaches the legal requirements set forth by the FCRA but also causes significant harm to my creditworthiness and financial standing. I urge the CFPB to intervene and ensure that the company complies with their obligations to investigate disputed accounts and update my credit report accordingly.

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 2024-05-31 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: LA

Complaint narrative:
XXXX XXXXXXXX The above account is not my account. I have reached out to the credit bureaus over XXXX times. They have yet to remove this account or provide me proof. I have no knowledge of this account and it need to be removed from my credit report. This is fraud and is affecting my credit. THIS IS NOT MY ACCOUNT. FRCA states everything should be 100 % accurate, if not it must be removed. REMOVE THE ACCOUNT OFF 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 2024-05-31 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I WANT TO REPORT THIS FRAUDULENT ACCTIVITY FROM CITI EMPLOYEES WHERE THEY PURPOSELY DELAY, CLOSED A VALID FRAUDULENT ACTIVITY CASE OR DISPUTED TRANSACTIONS WITHOUT EVEN CONSULTING FACTS WITH THE CUSTOME, THIS PRACTICE FROM CITI EMPLOYEES HAS HAPPENED SEVERAL TIMES. ITS BEING REPORTED TO CFPB, AND WILL BE REPORTED TO OTHER GOVERNMENT AGENCIES. 
I submitted a dispute with citi They requested info on the transaction I provided the info. 
Waited several weeks and their response was they closing the dispute cause they see two much smaller credits from the same merchant on my account, which they have nothing to do with the transaccin being disputed. Then I have to waste several hours and days tryin to fix a simple issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I made a purchase at XXXX 's using the XXXX service on XX/XX/year>. However, that order was cancelled that same day, unbeknown to me until XX/XX/year>. On that date I reached out to XXXX about the cancellation and receiving a refund. Since that date, all I've received from XXXX is lies, delays, and terrible customer service. I've been sending email after email every single day since XX/XX/XXXX trying to get my refund. They have asked me for proof of the cancellation over and over despite me sending it. They lied this past Sunday, XX/XX/XXXX, saying they were going to call me and never did. They also closed my dispute for the XXXX time on the same date claiming they would communicate with me about my case via email and it has now been XXXX more full days since I've heard from someone. This is RIDICULOUS!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-31 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: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
LVNV PLACED A COLLECTION ACCOUNT ON MY CREDIT REPORTS AS THE ORIGINAL CREDITOR BUT I NEVER HEARD OF THEM OR EVER HAD AN ACCOUNT OR OBLIGATION TO PAY THEM. I REQUESTED PROOF AND THEY DID NOT PROVIDE THE PROPER DOCUMENTS. RESURGENT, THEIR ASSOCIATE COMPANY SENT OUT SOME FABRICATED PAPERS WITH SOME OTHER COMPANY LISTED AS THE CREDITOR, NOT LVNV. I, IN TURN, SENT THEM A CEASE AND DESIST LETTER TO STOP COLLECTION ACTIONS AND STOP CONTACTING ME IMMEDIATELY BUT THEY ARE UNLAWFULLY MISREPRESENTING THEMSELVES ON MY CREDIT REPORTS AS AN ORIGINAL CREDITOR WHEN IN FACT THEY ARE NOT NOR DO I HAVE AN ACCOUNT WITH THEM OR AN OBLIGATION TO PAY THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: MS

Complaint narrative:
I am in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : [ XXXX XXXX XXXX XXXX ] THIS ACCOUNT WAS LISTED ON MY CONSUMER REPORT MULTIPLE TIMES. ONE LISTED FOR {$150.00} WAS REMOVED. THE OTHER LISTING SHOULD BE IMMEDIATELY REMOVED DUE TO REPORTING INCONSISTENT BALANCES ACROSS THE BUREAU. 

TRANSUNION : [ XXXX XXXX XXXX ] XX/XX/year>. THERE ARE MULTIPLE LISTINGS FOR THIS ACCOUNT ON THE CONSUMER REPORT. THIS IS INJURIOUS TO MY CREDITWORTHINESS AND SHOULD BE DELETED IMMEDIATELY DUE TO INACCURATE AND INCONSISTENT BALANCES ACROSS THE BUREAU. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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