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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX I sent a follow up email, from a phone conversation, where I said I could not pay the nearly XXXX XXXX  monthly loan amount. I was told by several reps that Firstmark did not own my loan and to talk to my original lender. XXXX XXXX sold my loan to Firstmark and I was attempting to negotiate better terms. 

XX/XX/XXXX I had to send my account information several times ( at least two ) which I believe delayed the process of trying to get any sort of relief instead of them responding to my requests XX/XX/XXXX I asked Firstmark who was my lender again, having been given various different answers ( over the phone ) XX/XX/XXXX They finally stated that they own my loan but must service it according to my original loan terms XX/XX/XXXX I was notified ( on the phone several times prior to this date ) that my forbearance period was capped at 12 months. I sent my original promissory note from my original lender asking where I agreed to those terms. 

After speaking to a rep on the phone sometime later, she admitted that it was weird that that is not directly stated in my promissory note. I believe Firstmark records their calls so hopefully there is a record of this, on their end. I only have record of email communication so I understand outside of that May fall under the scope of he said- she said. 

The did not respond to my inquiry, instead they send a reply stating that I owed on my loan. I replied on XX/XX/XXXX asking them to answer my inquiry. 

Outside of email threads, I called Firstmark attempting to get some relief before my credit was adversely effected. I was eventually escalated to a supervisor who was able to contact my lender and ask for additional forbearance, they declined. I asked for a direct contact to them in case I needed to involve a lawyer and I never heard back. 

I asked her to document on my account not calling until after business hours because I am a teacher and the harassing calls multiple times a day interrupted my lectures. Despite this request the calls continued. The were distracting and were followed up by several automated emails. ( Again I hope this is documented on their end ) I called again at XXXX on XX/XX/XXXX advised that I have one month of forbearance remaining Waiting for approval ( these are the exact notes I wrote in my phone, word for word ) If approved, this would bring my loan current ( according to the advisor ) which I had hopes up so I could begin rebuilding my credit. 
I was later ( almost immediately ) declined and the reason was no forbearance left. This letter is in my Firstmark online account. 
So again, they gave faulty information Firstmark has several negative reviews on XXXX and XXXX. If anything can be done to improve their training and practices several people ( myself included ) will greatly benefit.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company 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 credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize

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 — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/23 - I contacted Citi bank fraud department to inform them I received a reference letter to gain access to my account which they told me my account would have access to after I do so. I gave them a reference number from a letter I had to wait for 5 business days to receive. This is my main account I explained to them and not only is citi bank delaying my bill payment they are also crippling my money flow Inside of my account. So after a long hold on the phone the representative tells me I have to wait another 24-48 hours for a phone call to get access to my account. This haves been the worst banking experience I have ever encountered I am very XXXX and I even have gotten sick because of all of this stress that I can not access my account. I am backed up on bills and short of money because of citi bank. I even went to the branch and they told my my account was active then I check and it wasnt. This is very un professional and I feel very stressed that I can not access my primary account for nearly a week. I want damages paid on behalf of citi bank for XXXX XXXX and pain and suffering because now I am under the weather because of the XXXX citi bank haves given 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 2023-06-28 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: DISCOVER BANK
State: NY

Complaint narrative:
I bought a product on XXXX and then returned it according to the sellers preferences. I waited several weeks for a refund and when I did not receive one I initiated a dispute with Discover, my credit card company. I opened the dispute on XX/XX/XXXXXXXX XXXX XXXX On XX/XX/XXXX, the credit for {$390.00} was applied to my account. This credit was kept on the account for months until XXXX came and Discover said the dispute was resolved in favor of the seller. I uploaded further documentation proving that i returned the product according to specifications on XXXX website and am entitled to a full refund. These documents included the receipt with the returned package tracking number, screen shots from XXXX website verifying that the package was received and signed for, and screen shots from XXXX chats and emails verifying that I was refunded to my discover card on XX/XX/XXXX for the full amount of {$390.00}. When I spoke to Discover over the phone ( on multiple occasions ) they said that XXXX had never refunded me and that the credit I saw posted to my account on XX/XX/XXXX was the temporary credit from Discover. When I spoke to XXXX however, they insisted that the XX/XX/XXXX credit was from them. Either way Discover took the credit, ( which was labeled as an XXXX refund ) away from my account on my XXXX statement as they reapplied the charge as the dispute was resolved in the sellers favor and not mine. This means that I have no product and no refund. Discover has refused to help me any further in this situation even though they wrongfully handled my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I want to send in a complaint against Bank of America. I was a former customer of Bank of America in XXXX and closed my account with them. For some reason on XX/XX/2023 I received an email saying congratulations on opening up your new checking account ending in XXXX I was confused because I didn't open an account with them. I contacted the bank on XX/XX/XXXX they told me they put a fraud alert on the account and that it was closed I was supposed to receive fraud documents to fill out in 3-5 days I never received the documents, claim number, or any information about the account. I called again on XX/XX/XXXX I was bounced from department to department until I finally reached someone I was told that the email was sent but I still haven't received anything. I called back on XX/XX/XXXX and I was informed that someone just so happen typed my email address wrong that's why I never received any documents. I called on XX/XX/XXXX to follow up and I still didn't receive the documents they told me they were going to resend the documents. I called back on XX/XX/XXXX they were going to resend again. On XXXX the XXXX after almost a month I finally received the fraud documents to fill out and fax in. I was told that the fraud team was investigating the IP address and tracking down who was responsible for opening up the account. I received a letter on XX/XX/XXXX that the matter was closed and the account was going to be moved from my credit report. The issue I have is Bank of America never told me who opened the account, the IP address if this was opened online or in person if the person was overseas or in the States so that I could press charges or investigate on my end further information. Bank of America did not provide that they just closed out my claim without any further information. I find it strange that I received no information on the account, was left in the dark, and was treated as if I was the one opening the account by going round and round with Bank of America. My significant other has an account with Bank of America and when someone used his information to commit fraud Bank of America was able to locate the person that committed the fraud and found out they were in a different city and state. I find it strange I didn't get that same service. Other customers have complained that they had old accounts with Bank of America and they too received an email that an account has been opened in their name and did not receive any information as well. I want to have this matter looked into further to make sure it is not an inside job and the bank is just randomly opening up accounts to make quota or if this is an individual or individuals that got my information from a data breach or something like that. I need answers! 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 explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize

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: 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 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 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 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 explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Sent correspondence to XXXX XXXX XXXX XXXX asking to validate the following account : XXXX XXXX XXXX was the original creditor. XXXX XXXX XXXXXXXX is the debt buyer. The actual collector for XXXX XXXX is Resurgent XXXX of which I never received notification asking to resolve the debt, notification came only from XXXX XXXX XXXX XXXX ( dated recently as XX/XX/23 ). 

They simply listed the amount owed as {$680.00}. The previous balance of {$620.00} ( the amount that should have been itemized had " Fees charged '' and " Interest charged '' added to it to reach total of {$680.00}. I am requesting full itemization that leads to the previous balance of {$620.00}. This would include items such as credit card charges, payments, or credits for example. 

I also feel that this account should be removed from any credit reporting until or unless full validation is given.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After looking over my consumer report I've noticed that Experian is reporting accounts and information that's in violation of multiple consumer laws. I mailed them a letter asking them to investigate and remove these accounts that's illegally reporting. The companies listed in the letter are companies who I have no knowledge of and not sure why they have my personal information. I never gave them permission to share my information with anybody which violates my right to privacy pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. How can I owe a debt if there was never an agreement for a balance to occur. This account shouldn't be reporting anyway without proof and verification in which it has to be removed pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( 5 ) Treatment of inaccurate or unverifiable information.

Violations committed : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681e - Compliance procedures

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 — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
On XXXX XXXX I was transfering money out of my checking to my savings when i accidently choose the wrong account that no longer opened. I contacted Wells Fargo whom told me that they was not able to cancel the transfer to the bank account that it was been transferred to as she stated " she is not able to cancel the payment and to wait until the funds return ''. I waited i did not see the amount of {$280.00} transferred back into my Wells Fargo Checking Account. I reached out prior to the issue to both regions and Wells Fargo. I spoke with Wells Fargo a rep stated that he will be creating case to send to the claims department for a review. I contacte regions on Tuesday XXXX XXXX who stated that since the account is closed there is nothing they will be able to do about the my money in other words and that i would need to contact Wells Fargo . i have been back and forth with Wells Fargo to recover my money of {$280.00} i spoke with over numerous people that stated the person who handled the claim did not find an error nor fraud so they was not able to recover my funds due to the fund posting successfully into the account which is no longer opened! I have tried being nice to recover my funds as i explained to WELLS FARGO REPS the account is no longer opened the account is CLOSED! WELLS FARGO DID NOT RECOVER MY FUNDS THEY REFUSE TO GIVE ME BACK MY MONEY AND BELIEVE I AM SUPPOSE TO SIT BACK AND LET MONEY GO FOR FREE. THEY SEE IT WAS IT WAS A ONLINE TRANSFER BUT REFUSES TO RECOVER MY MONEY.

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: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
Portfolio Recovery Associates LLC representing XXXXXXXX XXXX for XXXX XXXX XXXX last for digit XXXX Account was charged off on XX/XX/2016, due to illness in the family XXXX 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 Portfolio Recovery Associates LLC 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 Portfolio Recovery Associates LLC 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 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief