vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-12 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-09-12 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: TX

Complaint narrative:
A XXXX XXXX account was listed as " charged off XX/XX/XXXX '' and has remained in that status until recently when the status was changed to " charged off XX/XX/XXXX ''. The change in " charge off '' date caused my score to drop more than XXXX points. Due to the age of the account and the last payment, the account should be removed from all 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 explanation
Consumer complaint received 2023-09-12 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: EQUIFAX, INC.
State: ID

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: WA

Complaint narrative:
XX/XX/XXXX - Opened a XXXX Savings Account XX/XX/XXXX - XXXX in funding to XXXX from XXXXXXXX XXXX XX/XX/XXXX - XXXX in funding to XXXX  from XXXXXXXX XXXX XXXXXX/XX/XXXX - XXXX transfer from XXXX XXXX account to XXXX declined. 

XX/XX/XXXX - XXXX transfer from XXXX XXXX  account to milli declined XX/XX/XXXX - Account Restricted. Unable to withdraw any funds. Receive email from XXXX support saying account restricted. They say to contact customer support through in app chat to resolve. 

XX/XX/XXXX - Contact support via in app chat. They say I will get a response in 1-2 business days. 

XX/XX/XXXX - Request Status Update in chat. No response. 

XX/XX/XXXX - Request Status Update in email. No update. 

XX/XX/XXXX - Request Status Update in chat. No response. 

XX/XX/XXXX - Request Status Update in email. No update. 

XX/XX/XXXX- Contact CFPB in an attempt to get access to the funds in my account as no updates are being provided by XXXX of when my account will be resolved.

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 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
On XX/XX/2023 I contacted American Express via the chat to ask about a retention offer with my American Express XXXX XXXX XXXX. I was told that I would receive XXXX XXXX XXXX points after I spend {$3000.00} with 90 days. I spend the amount within the time line. I was told on multiple times that I would receive the points as they could see that I had made the spend requirement. After 3 months I called again to which the supervisor told me no such offer had been sent to me for acceptance. I explained that I had the chat history to show who and when this was completed. They opened a case and then today I was told that the case was closed as I had not been offered such a case. I have included the chat pics that was from that day of XX/XX/2023 where in fact the person offered and I accepted the XXXX points with the required spend. It also shows where the offer has been " added '' to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: ID

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-12 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: Synovus Bank
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: DC

Complaint narrative:
Received a text message from Harris & Harris on XX/XX/ which read as follows : " [ last name ], Harris & Harris is a debt collector for The Government of Washington DC. To Pay : [ web address ] or call XXXX. STOP to stop, msg & data rates may ap '' I called during business hours the same day, spoke with a woman, and requested they send a letter validating this alleged debt. She verified my information including mailing address, phone, and email. She noted they would share details, and I have received no subsequent contact via call, text, writing, email, etc. for more than ten days. 

Either the debt is in fact not valid, as I suspect, or they are delinquent in notifying. Unnecessary hassle, at best, if it is at all legitimate to begin with. There is a likely scenario where this adversely impacts my credit reportingwithout warrantabsent government intervention, in light of the significant delay and lack of details on the side of the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
Inquiries not made by me.

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 2023-09-12 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: Prince Parker & Associates
State: AR

Complaint narrative:
The company Prince Parker and Associates continues to report an alleged debt owed to them by me. I have never agreed to do any business with this company nor have I ever heard of them. I have asked for a copy of any contract or documents signed by me agreeing to do business with them in accordance with Contract Law. They have failed to produce this instead they have sent me a copy of an old bill from XXXX, this is not proof of any agreement from me to do business with this company. It was my obligation to first contact this company and I have done so. FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/ my Wells Fargo debit card was lost to me and used at multiple locations without my permission. The charges were varied and mostly consisted of ATM withdrawals in various amounts from {$1200.00}, {$420.00}, and {$260.00}. My phone was also stolen for a period of time and someone was able to use my bank to commit further fraudulent transactions through XXXX XXXX totaling {$1700.00}. I contacted my bank immediately after I became aware of the situation and promptly filed disputes and shut down that card. As of XX/XX/ I was told that my claim was denied due to Wells Fargo concluding the transactions were valid.

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 2023-09-12 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2023-09-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: FL

Complaint narrative:
loan transfred from Great lakes ( they were good ) to Nel Net. i have called 3 times and have been on hold XXXX hours. First call, they answered in XXXX hours and whn i asked a question ( interest rate ) XXXX minutes latter i was still on hold. i hung up. Called the next business day. on hold for XXXX hours and then got recording asking for my evaluation of the represntative and then they hung up on me. Third call, on hold forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Inquiries not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 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.

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 2023-09-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There are ( 2 ) Hard Inquiries on my XXXX credit report that I have no knowledge of. 
" I did not '' make theses inquiries and " I did not authorize '' anyone to do so on my behalf.

May I please have these unauthorized inquiries removed from my credit report. 
The dates of these unauthorized inquiries are : * ( XXXX ) XXXX XXXX Capital One ( bank ) * ( 2 ) XXXX XXXX Capital One ( bank ) Thank your your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
On XX/XX/2023 I filed an application with Aidvantage on their website for the SAVE plan. Aside from a pop-up on the website, I never received confirmation of the application in email or letter. Further, even after submitting the application on Aidvantage, their dashboard still asks me to apply for an income-based repayment plan. To-date, XX/XX/2023 I still have not received confirmation of that application. 
I called Aidvantage on XXXX XXXX XXXX XXXX to confirm whether they had received my application. Both times I was told they had no record of it, but to wait and see. 
On XX/XX/2023, I filed a second application with studentaid.gov for the SAVE plan. I received email confirmation of my application the same day. On my studentaid.gov dashboard, I have confirmation that I applied for a SAVE plan with a repayment of {$500.00}. 
On XX/XX/2023, I received an email from Aidvantage confirming my application from StudentLoans.gov had arrived. The email stated that they received an electronic application for an " Income-Driven Repayment ( IDR ) '' plan. I don't know why Aidvantage had an IDR application or why it called Studentaid.gov " StudentLoans.gov ''. The body of the email indicated Studentaid.gov. 
On XX/XX/2023, I received an email from Aidvantage that my " IDR plan '' was approved for {$750.00}. I reviewed the document on Aidvantage 's website which also confirmed I was enrolled in the IDR plan. The same day, I called Aidvantage. I was on hold for about XXXX minutes before a customer service representative answered. The CSR indicated I had been processed erroneously for an IDR plan, that I was eligible for the SAVE plan, and the only option was for me to re-apply for the SAVE plan. She confirmed an estimated monthly payment of {$500.00}. She processed my now third application over the phone, and told me it would be 15 business days before it would be finalized. 
To be clear, on Studentaid.gov, my application states I applied for the SAVE repayment plan.

When I asked why my application was processed incorrectly, the CSR could not tell me. They had no information on my file about why it was processed incorrectly. She said it's usually a system issue.

This issue is still not resolved. My repayment allegedly restarts on XX/XX/2023.

Company response to consumer: Closed with explanation