vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: DC

Complaint narrative:
My student loan servicer, Nelnet, notified me via message in its customer service portal on XX/XX/2023, that the XXXX loans in my account had entered into an Administrative Forbearance, which had begun the day before, XX/XX/XXXX. 

Official correspondence from Nelnet ( attached ) stated that the Administrative Forbearance would be in effect between XX/XX/XXXX and XX/XX/XXXX, and the estimated interest to accrue on my loans during this time would be {$0.00}. 

Instead, interest continued to accrue on my loans each day of this period according to the usual rates. 

I emailed Nelnet 's electronic helpdesk on XX/XX/XXXX ( attached ) to raise the issue and ask for a resolution. The automated response stated that I should call Nelnet directly and insinuated that there would be no direct reply to my message. 

I called Nelnet on XX/XX/XXXX at XXXX EST and asked for an explanation and resolution of the situation. I spoke with the customer service representative for XXXX minutes. They offered to ( a ) remove the Administrative Forbearance or ( b ) send another letter stating that interest was accruing correctly on my loans ( and implying that the original letters were incorrect ). 

I refused both and told the representative that I'd file a complaint with both CFPB and XXXX for deceptive business practices. The representative had no other response other than to say " sorry. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: LA

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also SectioI am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. n 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards the data provided is not always accurate complete or update i demand that any wrong incomplete or unsupported material be updated XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
The company has repeatedly been reporting inaccurate information on my credit report. The company calls me several times throughout the day harassing me behind a debt that is no longer owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OR

Complaint narrative:
I bought a {$250.00} US Bank prepaid card from a XXXX XXXX XXXX. I gave it as a gift, and the person I gave it to said it had a XXXX balance. I talked to the store, who told me to call the number on the card, which I did. The person I talked to was nice enough to tell me that a batch of the cards had been compromised before they were sent to the stores. I then called the XXXX XXXX customer assistance line and the number on the back of the card multiple times. Finally I was told that they would send me a replacement card, if my appeal was successful, within 90 days. 

This is totally unacceptable. XXXX XXXX sold a card with no value. US Bank knew it was selling cards with no value. So far I've spent an hour and a half trying to resolve this, and if I'm successful may have my money in 90 days. 

The most galling part? There's no way I can take action against US Bank. I can yell at the customer service person, but this doesn't do anything but make me feel like an XXXX. US Bank has completely insulated themselves from these complaints, which means they have zero incentive to fix these problems. So I'm whining to you, but this is just to make me feel like I've done something to move this rotten system in the right direction.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor, BMW FINANCIAL, has violated my rights under 15USC1681, section 602 states, " I have the right to privacy. '' 15USC1681 Section 604A, Section 2 it also states, " a consumer reporting agency can not furnish an account without my written instructions. '' Under 15USC1666B, " a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have received several gift cards at work from American Express that I am unable to use to purchase things online. I rarely shop in person, and it is pointless not to be able to use the card online when it says it can be used anywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX 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 explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Opened a fraud claim on XX/XX/2023. For the amount of XXXX. I had instructed the countless representatives that I had tried to get in contact with the service provider and they told me that they would not give me anything back. I contacted Citizens bank and disputed the charges and let them know what happened and also that I found that my phone was stolen and XXXX payments were made without my knowledge or consent ; so I disputed those as well. Ive waited for XXXX weeks and the bank closed my claim because they said I needed to reach out to XXXX XXXX and XXXX directly, but I had already instructed the representatives probably 5 or 6 times previously that I had done my due diligence several times, and no one would speak to me and no one would return my money. But I did reach out to them already and they kept advising me to contact my bank. I left numerous notes with the bank and they just cast me to the side and the supervisor told me to go to small claims court. But the whole thing is I cant get ahold of the merchant so small claims court is not an option and I cant locate them. And the representatives I spoke with did not listen to me and I was told that whoever filed my claim previously had disputed other transactions like direct deposits and other things that I did not tell them to dispute. That just shows me that the bank did not do right by me and did not care that I am struggling and did not listen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the resulIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigationts of the reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Company has stated that I re opened a loan in XXXX when I did not. Also they keep reporting different amounts and payment dates over time for the last 5 years. I have requested documentation and proof and then they re-hit my credit with more negative notes and different payment information. I show several different balances since XXXX when I originally began to try to fix my credit. I offered to see what repayment options I had to help pay the debt originally though the loan was a third party or straw purchase loan for someone else. The loans were for an ex I had for several years but she had limited income and could not get approved. I attempted to call and was always threatened with being sued, once I lost my job and we separated I wrote the loan off as something I would attempt to resolve should they ever allow me to and provide an accurate amount owed. The biggest issue is that the company never provided accurate information and the time lapse for the loan to fall off of my reports has passed. But instead of taking it off my reports they continue to change, alter, miss represent, fictitiously claim I made payments, and other malicious acts to continue to keep the infractions on my reports so they can continue to harm my credit. It is not ethically right and should be or possibly even could be illegal. Please help me resolve this issue so I can continue on with my life, they have written the loan off for a profit loss years ago and it does not harm them at all any longer, has not in over 8 years. Attached I have added several random different credit reports I can pull from different apps and statement stuff I have available from XXXX to XXXX, you can see major reporting differences and even were one recent shows my balance at {$160.00} and one recent shows I made several payments in XXXX, XXXX, XXXX and even XXXX? From my understanding the credit agencies all should benefit in my favor over this with the proof that I am sending. This account should be deleted in full and taken off of my reports. It is not fair at all that I continue to suffer and have major issues because this false reporting and lying that has been done.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Company has stated that I re opened a loan in XXXX when I did not. Also they keep reporting different amounts and payment dates over time for the last 5 years. I have requested documentation and proof and then they re-hit my credit with more negative notes and different payment information. I show several different balances since XXXX when I originally began to try to fix my credit. I offered to see what repayment options I had to help pay the debt originally though the loan was a third party or straw purchase loan for someone else. The loans were for an ex I had for several years but she had limited income and could not get approved. I attempted to call and was always threatened with being sued, once I lost my job and we separated I wrote the loan off as something I would attempt to resolve should they ever allow me to and provide an accurate amount owed. The biggest issue is that the company never provided accurate information and the time lapse for the loan to fall off of my reports has passed. But instead of taking it off my reports they continue to change, alter, miss represent, fictitiously claim I made payments, and other malicious acts to continue to keep the infractions on my reports so they can continue to harm my credit. It is not ethically right and should be or possibly even could be illegal. Please help me resolve this issue so I can continue on with my life, they have written the loan off for a profit loss years ago and it does not harm them at all any longer, has not in over 8 years. Attached I have added several random different credit reports I can pull from different apps and statement stuff I have available from XXXX to XXXX, you can see major reporting differences and even were one recent shows my balance at {$160.00} and one recent shows I made several payments in XXXX, XXXX, XXXX and even XXXX? From my understanding the credit agencies all should benefit in my favor over this with the proof that I am sending. This account should be deleted in full and taken off of my reports. It is not fair at all that I continue to suffer and have major issues because this false reporting and lying that has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Company has stated that I re opened a loan in XXXX when I did not. Also they keep reporting different amounts and payment dates over time for the last 5 years. I have requested documentation and proof and then they re-hit my credit with more negative notes and different payment information. I show several different balances since XXXX when I originally began to try to fix my credit. I offered to see what repayment options I had to help pay the debt originally though the loan was a third party or straw purchase loan for someone else. The loans were for an ex I had for several years but she had limited income and could not get approved. I attempted to call and was always threatened with being sued, once I lost my job and we separated I wrote the loan off as something I would attempt to resolve should they ever allow me to and provide an accurate amount owed. The biggest issue is that the company never provided accurate information and the time lapse for the loan to fall off of my reports has passed. But instead of taking it off my reports they continue to change, alter, miss represent, fictitiously claim I made payments, and other malicious acts to continue to keep the infractions on my reports so they can continue to harm my credit. It is not ethically right and should be or possibly even could be illegal. Please help me resolve this issue so I can continue on with my life, they have written the loan off for a profit loss years ago and it does not harm them at all any longer, has not in over 8 years. Attached I have added several random different credit reports I can pull from different apps and statement stuff I have available from XXXX to XXXX, you can see major reporting differences and even were one recent shows my balance at {$160.00} and one recent shows I made several payments in XXXX, XXXX, XXXX and even XXXX? From my understanding the credit agencies all should benefit in my favor over this with the proof that I am sending. This account should be deleted in full and taken off of my reports. It is not fair at all that I continue to suffer and have major issues because this false reporting and lying that has been done.

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 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I signed up for a new Capital One 360 Checking Account - the account was offering a bonus if you made two direct deposits of {$250.00} or more. I made two direct deposits from the exact same brokerage account - yet Capital One told me one of the deposits was ineligible. I called up to ask for an explanation and they were unable to provide one except that their app may have caused the problem. Capital One sent me an offer - I signed up - then they didn't fulfill their terms. This is fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
I received an email related to a XXXX package being delivered to my address. I received the package and found it to be a JetBlue credit card I did not apply for. I checked with the XXXX XXXX and found that JetBlue Barclay Bank did a hard credit inquiry with XXXX on XX/XX/2023. I called JetBlue and they had, not only my name and address, but my social and DOB. I explained the situation to the representative 1 and I inquired about who had authorized a check on my credit and why had I received the card. I was placed on hold for the Fraud unit ; however, after Representative 2 answered, I had to go through the entire explanation again. Representative 2 advised I would need to speak with the Fraud Unit, advising the their office was closed.

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 2023-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: IN

Complaint narrative:
New collection agency old debt from gym membership that had been cancelled and company trying to collect on past due balance that did not apply. Second time complaint has been made about this same company. No written communication of debt has ever been sent just added to my credit report without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cottonwood Financial Ltd.
State: NM

Complaint narrative:
XXXX This number called Said I got a loan in 2019 and I'm going to jail. I have never got a loan in my life I paid off 2 cars that I own one bought cash other financed took 1 year to pay and I already sold vehicle as trade in. This was pure fraud asking for my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank who holds HSN accts does not allow online viewing of statements & i do not receive them in mail from post office. Online keeps saying they are coming soon, but had been that way for XXXX  months. All i am able to see is total balance & payment due, no other info is shown such as interest charged & previous balance etc. i want to see this info

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 2023-11-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
my cash app card was transferred {$1400.00} when I disputed it with cash app they told me it had already gone through and would not give me a refund. this is fraud. i also disputed this with my bank. my cash is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2023, I received a notice alert on my ID Theft Protection account about a new Kohl 's card account opened under my name on XXXX XXXX. I also received a letter from Kohl 's confirming the said account and congratulating me for approval. I never applied for any Kohl 's card, never had XXXX and I rarely go to the said store. Luckily the card hasn't been used. I reported the said fraud to Kohl 's and I was told they'll close the account. I also called my ID theft Protection ( provided by XXXX card ) to report and put fraud alert on my name. I did same through XXXX credit bureaus. I also froze my credit report. There should have been an extended XXXX fraud alert on my name from last year 's incident bec same thing happened to me but XXXX denied receiving the police report. If the extended fraud monitoring was placed on my name, I believe this should have been prevented.

Company response to consumer: Closed with explanation