vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital one has XXXX accounts that I am a signer on. Cards ending in XXXX and XXXX. Neither of which are reported to XXXX XXXX XXXX XXXX. My wife is a signer on my main capital one account and she has my cc history reporting on her credit reports. Capital one also isnt reviewing me at all for a credit increase Ive been with them for over XXXX years my income was around XXXX per year then and Im now at XXXX per year Im supposed to be reviewed every six months. I have never been reviewed my credit line still stands at XXXX which is the same for the past 12 years. My wife used my credit history to be approved for a capital one venture card which she was approved for. I have a higher credit score than she does and the same credit history but capital one denied me. I am being discriminated against by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I responded to a credit card offer with Target. There was a promotional offer if I opened a card I would receive {$50.00} coupon to use off of a purchase of {$50.00}. I received the card and the coupon in the mail. The promotional coupon said to download the coupon by scanning it no later than XX/XX/23 and the coupon has an expiration date of XX/XX/23. The problem is I did not receive the card until a few days after XX/XX/23. I tried to download the coupon but I received an error message saying it was invalid. I called Target Guest Services and I spoke to someone who assured me they would mail another coupon out with the correct dates. Three weeks later I have not received the coupon. I called Target Guest Services again only to be told that there was an error made by the printing company and the scan by date was wrong it should've matched the expiration date and there was nothing they could do about it. So, I was not given the promotional offer promised for opening the card due to their error. I asked to speak to a XXXX. I was put on hold for about 15 minutes then hung up on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
First of all, my spouse initially applied for PSLF in XXXX; denied based on not having the 'correct loan repayment plan ' despite having made 120 payments on time and working for state universities ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX. This denial has since been exposed as not a legitimate reason for denial. 

In XXXX my spouse died. I called MyFedLoan in XX/XX/XXXX. They said to send a letter requesting discharge and a copy of the death certificate which I did. I assumed it was going to be discharged and heard nothing. In XXXX I looked at my credit report and saw the student loan on there. I was alarmed so I called them again. I received many condolences and apologies and was told it would be escalated to management. 

Again, I heard nothing ; I was told it might move slowly due to COVID, so I waited until XXXX, and at this time I was so distraught and traumatized by the whole mess -- this is the response I got : " FedLoan has escalated the issue, the people I spoke to agreed that this is a horrendous mess, and they are mailing a document that contains the entire loan history. There was some history on the FedLoan side of things that said they recommended a write-off for the loans after you sent the death cert, but they weren't able to really tell me more than that. '' So, again, I assumed it was being taken care of. I never received anything and then suddenly MyFedLoan site disappeared and I was logging into FSAid. FSAid showed a XXXX balance from the time I logged in until now. I have screen shots of this balance. I assumed it was taken care of. 

A couple weeks ago ( XX/XX/XXXX ) I received a bill in my dead husband 's name saying that the whole amount was due. I also received the same bill in my name in the whole amount of the loan. We have been 'switched around ' by loan servicers, initiated by them, not us. From MyFedLoan to XXXX back to MyFedLoan to FSAId and now to XXXX. Each time in the past XXXX XXXX years there is a change, my dead spouse seems to be brought back to life and is asked to start repaying a loan that should have been first of all given PSLF and secondly should have been discharged due to death. I have sent the death certificate to many people, many accounts, many times. My spouse took out all the loans initially. I have no idea if somewhere along the way someone consolidated us, or advised to consolidate. My spouse handled all of the loans and repayment ( always on time ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: IL

Complaint narrative:
I submitted my SAVE plan application to Nelnet in XXXX. As of XXXX they have yet to approve it or let me know what else they need to process it. They refuse to answer any phone calls - wait times are 5+ hours and have not replied back to emails I have sent. They have turned off any social media messaging so there is no way to contact them about this. They placed my loans under forbearance instead of communicating with me and by doing so - my interest is accruing daily. If they simply process my SAVE application, this interest would not be accruing. I am simply trying to make payments but no one will reach back out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi bank- Best Buy made an hard inquiry on XX/XX/2023 that I did not consent to or know of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: TX

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC Bank allowed a fraudulent withdrawn from my Heloc for approximately XXXXXXXX XXXX XXXX I alerted them that an unauthorized account had established a online link to the account. 

I spent XXXX XXXX hours on the phone XXXX PNC to let them know the account was not authorized, then a week later they allowed them to withdraw the money. 

Now PNC wants me to make payments on the XXXX XXXX loan! 

PNC needs to pause any and all required payments now and then redeposit the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
old navy, Barclays Mastercard is a very frustrating card. even though i paid by balance in full every month, i was still charged interest. this happened for several months and then i locked the account. 
even though the account is locked, i am still being charged and then they added late fees and interest. 
i tried talking to the company, but they wont fix this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
Placed an order with XXXX for the first time XX/XX/XXXX and my order never showed up, treied contacting the carrier and merchant that same day and got absolutely no help. Attached is proving that the merchant XXXX XXXX has never attempted to contact me regarding my order after I tried multiple times to get in contact with someone. I emailed them via their chat system multiple times and all I received back was an automated email saying " Thank you for your message ''. The next attached picture shows you my inbox from when I filter only messages from XXXX XXXX, as you can see every message from them is a generic automatic email but nothing shows them ever attempting to contact me. The message from XX/XX/XXXX is the first screenshot I provided. Next screen shot shows you they have absolutely no phone number for customer service, email only. Now the next screenshot is showing all of the multiple times I have gone on their chat/email and tried to notify them of what was going on, once again generic automatic message with no follow up. Call a location in Florida and they can't help with online orders. 
This company has no reviews for their online website anywhere to be found and is not accredited business on XXXX  where I filed a separate complaint. At this point I feel like their website is a SCAM because how do you have XXXX customer service for expensive items as such? Hoping this can help get things resolved, it is now the year XXXX and this company still has no form of contact for online orders so Im just stuck with a debt between XXXX/Affirm/XXXX they just bounce me around and provide no help, just want me to pay for a product that was never delivered

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Over the past few months, I have encountered persistent problems in accessing my credit report, which I believe are a result of incorrect security questions being posed. Despite my best efforts, I have not been able to resolve this issue through the regular channels of communication with Equifax. 

To provide some context, I have been diligently attempting to access my Equifax credit report through the official channel, XXXX, as is my right under the Fair Credit Reporting Act. However, every time I try to retrieve my report, I am presented with security questions that appear to contain false or inaccurate information. This has happened consistently on multiple occasions, and as a result, I am unable to access my credit report. 

I have made multiple attempts to contact Equifax to address this issue, including sending letters and making phone calls, but unfortunately, my concerns have not been addressed satisfactorily. It seems that my inquiries have gone unanswered, and I am left without access to my own credit information, which is crucial for my financial well-being and planning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
Resurgent Capital is literally resurging debts that have been cleared. This is the second time in 2 years they attempted to collect on debts that were dismissed in a BK over 13 years ago. They have been told this, but here we are again. They are sending letters and nonstop calling threatening lawsuits and collections. But they are trying to get paid on debts that were considered closed. Its a shady business practice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had a PAY PAL line Credit with Synchrony bank ; XXXX XXXX XXXX XXXX XXXX XXXX. Which has been communicated and documented to said bank. Once the balance was paid down in XX/XX/2023 [ XXXX ]. They then closed my account without any notice. I called to ask why in XX/XX/2023, and was rudely spoken to its due to late payments and it can not be reopened As a result of a follow-up call the bank initiated a dispute which appears to have resulted in a credit balance of XXXX. Which appears to be the removal of late fees. That said to date I have heard nothing further and my account is still closed. They also reported the bank as late to two credit bureaus which hurt my score, then the bank reported it to the credit bureaus as an improved account. Yet theres no indication on my credit report that account has been closed by creditor.

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 2023-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This is a dispute involving Capital One and XXXX. 
Capital One in a letter, dated XX/XX/2023, notified us that the XXXX has responded and Capital One has accepted their explanation resulting in reversal of charges. I am objecting to the decision made by Capital One to close this case. Capital Ones decision was one-sided and is contrarily to the rules of evidence and has failed to request any documents from me in the course of its investigation. 
XXXX has {$6900.00} charged us for a rental property which we cancelled with their authorization and written consent. Now XXXX is refusing to refund us the {$6900.00} and Capital One has revered the charges without proper investigation and considering the evidence. We have communicated with XXXX and Capital One to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: TX

Complaint narrative:
I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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