vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802.

Per the Privacy Act of 1974 as a federally protected consumer, it is my right to privacy.

Stating the consumer owes a debt that the financial institution agreed to discharge is a violation of oath by the trustee and their fiduciary duties. 

Per the XXXX XXXX XXXX of 1974 educational institutions are not allowed to share our information. My student loan information is private. 

I have been denied credit and been humiliated for years due to my nonpublic financial information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I contacted TD Bank in regards to a credit card dispute for XXXX XXXX XXXX XXXX XXXX purchase in the amount of {$11.00} dated XX/XX/XXXX. I had purchased the car wash but never received the services as the automatic car wash machine was not working. The number on both TD Bank letters ( XXXX ) XXXX are no longer in service and they have not updated them on their letters. On XX/XX/XXXX I received a letter from TD Bank stating the dispute filed was not in my favor and I must resolve the issue with the merchant. TD bank was aware that I had tried all avenues to get in contact with the merchant but the merchant would not return my call. I called TD Bank to appeal and they said they would work on it and I also asked for documentation used to make their decision as stated on their own letter which states I have the right to receive. I called numerous times and they refuse to provide me any documentations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX. 2023 I contacted the credit bureaus Experian, XXXX, and XXXX, I, disputed several inaccurate accounts, It has been over 30 days and I have received no response to my disputes.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

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 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 2023-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX representing Syncrony Bank for Amazon Store Card last for digit XXXX Account was charged off on XX/XX/2016, due to illness in the family of XXXX XXXX XXXX XXXX, the account holder chose life over debts and became the care giver for the XXXX patient. The account went into default, there were no communication from XXXX XXXX XXXX XXXX written or verbal, its been 6 years and they scout my profile in different ways, got my last job and try to garnishee, which was XXXX XXXX XXXX, and during the filing from XXXXXXXX XXXX to XXXX XXXX XXXX XXXX they went through Legal and garnishee my Checking and Savings of what little I have of a total combined of {$400.00}. 

What happen to the statutory law in Hawaii of 6 years. 

Now I'm broke.

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 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I went to the ATM at the PNC branch on Monday XX/XX/2023. Around XXXX and pulled into the atm to cash my pay check like I normally do. My state cleaning job doesnt offer direct deposit! I wish! Im only paid once a month. Well the atm ATE MY CHECK! The screen froze and it spit my debit card out. I immediately went inside the branch which is PNC in XXXX, KY. I told the lady what happened after 30 minutes of her trying to get me some help I was told it could be TWO WEEKS OR LONGER before I could receive my funds!!! RIDICULOUS! I have bills due NOW! My electric will be shut off my internet my phone my kids need to eat!!! I told the lady the same and asked how will my kids eat and all she could say was she apologized and there was nothing else they could do! Ive called the XXXX number with lies saying my account could be credited within XXXX hours now today they tell me NOPE itll be TWO WEEKS or longer after they investigate!!! I mean Im ON CAMERA OBVIOUSLY DEPOSITING MY CHECK!! I need my funds NOW! I cant even drive to work without gas!!!!!!!!!!! They shouldve at least credited my account with some sort of advancement but NOPE! This is unfair treatment! And I will be switching after this! How dare they tell me I cant have my money when their machine failed to work correctly! I AM LIVID AND MY KIDS ARE HUNGRY! So what do I do? This must be why people do criminal things! I just want whats MINE! Please please please help me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
They said they said they sent legal documents from like 7 years ago to my residences then gave me locations that I didn't even live at. Then said well there is also another person on the account and of you settle for half the amount full amount was almsoylt XXXX that they would write me a letter and go after the other person instead then said if I pay by Tuesday I can pay only XXXX instead of XXXX, would not provide actual proof of the debt from the bank listed anything I questioned they would just get rude and hang up then said well since you know everything we will just sue you I asked for actual proof even contacted the old bank and the collections department they said it is a scam, he said if we are suing you we don't have to give you proof of the debt!! Person name was XXXX XXXX with XXXX out of ca then next time I called he said he was with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint is in regard to the Wells Fargo and the XXXX payment service. 

A friend of mine sent me a XXXX payment of {$1800.00}. Her bank XXXX, has a glitch in their system which caused a double payment to be sent. She called her bank XXXX and XXXX of those payments were cancelled. 

I received the {$1800.00} ( XXXX payment ) in my account at Wells Fargo, however my bank Wells Fargo first blocked online usage of my account, then blocked my XXXX account as they said theres a claim of fraud associated with this transaction. I called them to communicated that it is a valid payment and theres no fraud whatsoever. 

Since this occurred, Ive had two called with ( 1 ) the sender of the payment, ( 2 ) XXXX representative, and ( XXXX ) Wells Fargo representative. 

XXXX has reiterated several times that : There was NEVER any fraud that occurred nor have there been ANY claims of any type made associated with this transaction. This issue was caused by a glitch in XXXX XXXX system which caused a double payment to be made and XXXX they reversed. 

I have been a customer of Wells Fargo for over 35 years. I have used XXXX for over 15 years and never have there been any complaints or anything else associated with my account or use of XXXX. 

It has been over XXXX weeks since my use of XXXX has been blocked from no fault of my own. I have requested several senior officials @ Wells Fargo and XXXX to contact me, yet until this time, none of them have returned calls or addressed this issue. 

My XXXX account is still blocked. 

Please consider this an official complaint against XXXX and Wells Fargo. The block on my use of XXXX should be lifted. 

Thank you. 

Sincerely, 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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
XXXX application approved XXXX sent out XXXX XXXX  as a card was never received. 
XXXX states a card was mailed XXXX XXXX XXXX XXXX  as a card was never received. Asked them to cancel account and remove from credit report completely as the account was never opened and/or activated. She states the account will be shown on my credit report even though it was never activated. This should not happen. It was fraudulent on the companies behalf in doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX  by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have an issue with American Express regarding my Delta Air Lines SkyMiles Platinum card Account ending XXXX 


XX/XX/2023 American Express charged me a {$250.00} annual fee for my Delta Air Lines SkyMiles Platinum American Express card. 


XX/XX/2023 I called American Express to discuss options regarding the annual fee and the AMEX XXXX was quick to cancel all the cards associated with the account, never discussing options and never disclosing or hinting at the fact that I might not be entitled to a full refund for the {$250.00}, my sole reason for calling. 


End of XXXXXX/XX/2023 I called American Express again because my account had not been credit the {$250.00}. The AMEX agent was surprised that after 24 years of loyalty to AMEX, the agent on XX/XX/XXXX was so quick to cancel the cards, without attempting to retain me as a customer or discuss other card options. I explained that I was seeking that the {$250.00} be refunded or the card be reinstated. The agent promised to launch an investigation which would include reviewing the recorded call from XX/XX/XXXX and that I would be notified by mail within several weeks. 


XX/XX/2023 American Express never sent me the promised letter regarding the results of its investigation, so I called again. The AMEX XXXX reviewed their internal investigation and explained that their terms and conditions that I received 24 years ago on opening the account state I have 30 days to cancel the account and not be charged the annual fee. Calculating XXXX business days from the date of annual fee charged on XX/XX/XXXX, I should have been granted a window to XX/XX/2023, and I called on XX/XX/XXXX. 


I sought diligently to find a solution that was reasonable. I continued to request that : ( 1 ) the {$250.00} fee be refunded ; ( 2 ) the card be reinstated ; and ( 3 ) the agent introduced a third possibility, that the {$250.00} be credited towards the annual fee of a new AMEX account. The agent promised that her supervisor would call me within four hours to resolve the issue. The call concluded at XXXX XXXX ( EDT ). Regrettably, another broken promise as I did not receive a call from AMEX, not even a courtesy call explaining that the supervisor would contact me at a later date. 


During my 24 years of association with American Express, I had always found the company to provide excellent customer service, responsive and cooperative. During XX/XX/2023, its a radical decline : unreasonable and completely unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: MOHELA
State: TX

Complaint narrative:
Mohela is not correctly updating my PSLF information. They are using the date I signed the application as my end of work date. I am still employed and had no miss in employment with the company. They are misrepresenting the dates to not honor the number of payments that have been made. I have been employed with the government agency since XX/XX/XXXX to current. They are showing an end date of employment of XX/XX/XXXX the date I signed the application. They are only honoring 9 PSLF payments and there should be several years of payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recently sent a complaint about the below accounts being charge offs and/or closed paid in full. Charge offs are considered ordinary income how can it be reported on my credit report as debt? I never received a 1099c from the creditor for this alleged debt. This is violation of 15 USC 1681eb. Please remove this inaccurate information from my credit report.

I have not received an update or status of your investigation. I have asked you repeatedly to verify this debt by sending sign contracts/agreements and I have not received any correspondence. 

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently sent a complaint about the below accounts being charge offs and/or closed paid in full. Charge offs are considered ordinary income how can it be reported on my credit report as debt? I never received a 1099c from the creditor for this alleged debt. This is violation of 15 USC 1681eb. Please remove this inaccurate information from my credit report. 

I have not received an update or status of your investigation. I have asked you repeatedly to verify this debt by sending sign contracts/agreements and I have not received any correspondence. 

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 response to consumer: Closed with non-monetary relief