vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 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: KY

Complaint narrative:
I called the student loan company ( NelNet ) XX/XX/23 to get information about repayment for my moms account, thats on my behalf, and was on hold for over 2 hours to talk to someone. I was able to get a little information and we done the steps they told us to. While I was on the phone for over 2 hours waiting, I also sent an email. I didnt get a response back until XX/XX/23. Now that repayment is coming up ( XX/XX/23 ), and I attempted to reach them XX/XX/23 because the repayment plan has not been fixed and its coming up due for payment on that. But I was hung up on numerous times, stating their office was closed. I was attempting to call at XXXX and their office didnt close until XXXX ( this was also stated by the automated message that kept playing while I was on the phone. ) So long story short, I cant even get ahold of my servicer to try to fix the repayment plan and try to get information on how to get that fixed with little time between now and the repayment date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thaxton Investment Corporation
State: IN

Complaint narrative:
I took a major pay cut from my job and had to switch jobs, I can't afford to pay any of my bills and I stopped paying. They continue to call me and all my references asking me to pay and threatening to sue me. They call me at least six times a day from different numbers. My block list is long. I'm tired of vetting calls for real ones.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-05 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: AL

Complaint narrative:
To Whom It May Concern This shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I don't recognize the inquiries so I couldn't explain, I just know their causing damages to my credit worthiness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
I don't recognize the inquiries so I couldn't explain, I just know their causing damages to my credit worthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I don't recognize the inquiries so I couldn't explain, I just know their causing damages to my credit worthiness

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I initially wrote to Equifax on XX/XX/23 asking for them to remove an account that included multiple inaccuracies, per my FCRA rights. They did not remove nor update the information. I then, filed a complaint here on the consumer finance site and waited for the investigation. As of today, XX/XX/23, Equifax responded that they updated the account to reflect all correct information for the account but they failed to do so again. I contact XXXX XXXX XXXXXXXX whom now holds the XXXX XXXX XXXX account and confirmed that the balance is {$42000.00}. Equifax is still reporting {$5100.00}. This account should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: EdFinancial Services
State: MA

Complaint narrative:
I have been trying to make payments for the upcoming loan that is due on XX/XX/XXXX as the loan forgiveness has been lifted. I went to make my first payment of {$210.00} on XX/XX/XXXX and EdFinancial stated that my payment was pending. A few days later I went to check the status ( around the XXXX of XXXX ) and was told it was reversed on the XXXX but I did not get an email stating it was. I tried again XX/XX/XXXX as it was less then a month until the payment was due and again it said I had a payment reversal. All my banking information is correct as it is the same information I used back before the loan forgiveness took effect in XXXX. Address has been updated as well. I have since tried again to make a new payment today ( XX/XX/XXXX ) after reinputting all my information. EdFinacial has since charged me interest as my information " was incorrect ''. I tried to live chat with then but their service is turned off and a phone call required a XXXX hour hold which I opted for a call back. As of now my charge is pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
I was in XXXX  from XX/XX/2021 to middle of XX/XX/2021 and there was charges on my account that I didnt make I sent them a copy of my XXXX from police department so money from those dates should be put back into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
From Ashmere collections : account opened in my name at address XXXX XXXX XXXX # XXXX XXXX, FL XXXX and email XXXX in XX/XX/XXXX From XXXX XXXX department : investigation opened, ticket # XXXX, confirmed the address, states the female used my DOB but no other information ( no social, etc. ), states they also opened additional accounts that are under additional people 's names and SSNs as recent as XXXX XXXX, XXXX I am currently a spectrum customer and in good standings. Confirmed service from XX/XX/XXXX-

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX informed me that my student loans were transferring to XXXX. 

On XX/XX/XXXX, XXXX informed me that the U.S, Dept. of Education had decided there was " no need '' to transfer my loans. 

I applied for PSLF in XXXX of XXXX. I have worked as a XXXX for XXXX years. I completed the application and certified my employment. I have been in contact with both XXXX and XXXX multiple times, as in order for the loans to be forgiven, they must transfer to XXXX as per the Federal government. 

On XX/XX/XXXX I filed a complaint with you against XXXX. They replied, telling me to " be patient '' and " the loans are in transfer ''. This was a lie. 

I am now filing a complaint against studentaid.gov / U.S. Department of Education demanding to know why my loans were not transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: MD

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

Accounts are listed below : XXXXXXXX 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 2023-10-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
XXXX XXXX  called someone and that person pretended to be my wife, which I am not married, and they gave them all of the information about my debt which is unauthorized, so that is a breach of private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I request that they remove this inaccurate information about the late payment I have stated that I have never been 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 non-monetary relief
Consumer complaint received 2023-10-05 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: GA

Complaint narrative:
On XX/XX/2023 i submitted a letter to the credit bureau disputing all inaccuracies on my credit that i have listed below. The credit bureau completed their investigation verifying the accounts as accurate. 

XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX According to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning any such items of the information. 

They stated my accounts were verified but how is that possible if they didn't not do a proper investigation according to the law. Also every piece of information of these accounts are still not reporting 100 % Accurate and according to the FCRA 15 USC 1681 has to be 100 % accurate. I have the credit report showing the inaccuracies

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 2023-10-05 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: NJ

Complaint narrative:
On XXXX XXXXXX/XX/XXXX, XXXX, approximately around XXXX XXXX, I was notified by text from Capital One through text was I trying to make a purchase at XXXX for an amount over {$1.00}, XXXX dollars. I repied no, and immediately called Capital one. They infomed me that someone was trying to make a puchase at XXXX in my name and card, I asked of them what was the zip code of the location. I narrowed it down to XXXX in XXXX XXXX XXXX in Florida. I immediately called there several times without any response or answer by phone, at the same time this person had call Capital One for approval of purchase on the other end of the phone. Later in the morning around XXXX am, a text were sent to me saying thank you for upgrading my phone number. I immediately logged online to my account and saw the person had placed his phone number as the primary source of contact. I immediately tried to change the number back to my number, but would not allowed me to do so. I at that time also chaned my password to the account. Before this incident, I was informed by XXXX and the the credit bureau that someone had did a hard credit check on my account. I asked who, I was told it was Capital One. I reached out to Capital One and asked why did they do a hard check to my account without my permission and it would lower my credit score. this 2 or 3 days before this incident meaning they authorized and had given this person a credit card. I reached out to Capital One and also asking them for a copy of all documents relating to ths fraudulent transaction. Also please note, before then, about 2 or 3 months back XXXX issue me a new account due to some fraudulent activity. XXXX, XXXX XXXX had to send a scecond card. I immediately start calling all other creditors of possibile identity theft. There was issure with all creditors XXXX, XXXX in which the person upgraded my addred and his phone number on my XXXX account. Also, XXXX XXXX XXXX two accounts was compromise and they were aware of where they had already mailed out XXXX new cards ; XXXX XXXX XXXX, XXXX and also XXXX was informed in which most of the Creditors have already known of the suspicous activity and sent out new cards. XXXX was a closed account but also, notifiying closed accounts as well. Whoever this person is, they seem to have all my information including social security number and more. I explained to the crediors that I needed to place a second and third security code on my account in which it was done. Also, I placed a security code and freezed all accounts with all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient reported 4 late payments to the credit bureaus for the months : XXXX and XX/XX/XXXX ; XXXX and XX/XX/XXXX. Note, I was and am on income repayment plan and my bill was and is $ XXXX. Certainly, I can not be late paying $ XXXX. I reported this to the credit bureaus- they said that they could not remove and only Navient could and Navient confirmed to them that I was in fact late those months and refused to remove the 4 late payments. I contacted Navient directly on XX/XX/XXXX - I spoke with XXXX who insisted over and over that I was not late and that Navient never reported my account late for those 4 months ( or ever ). I insisted that they did since it shows on my credit report and she said that they did not so this so they can't tell them to remove something that they never reported in the first place. I asked if there was a formal appeals process or any avenue to have them look into this and she said no. So, I am stuck with this on my credit report because they are denying the existence of it so I can't appeal something that they say doesn't exist. Can you please help me. They verbally confirmed that this wasn't reported and shouldn't have been reported so there should be some way for them to allow me to do a written appeal at the very least to Navient directly. Thank you kindly! : )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My XXXX XXXX XXXX made XXXX unauthorized in app purchases from XX/XX/2023 to XX/XX/2023 using my ipad without my knowledge from XXXX. 

XX/XX/2023 for XXXX XX/XX/2023 for XXXX XX/XX/2023 for XXXX  XX/XX/2023 for XXXX XXXXXX/XX/2023 for XXXX XXXXXX/XX/2023 for XXXX XXXXXX/XX/2023 for XXXX  XX/XX/2023 for XXXX XXXXXX/XX/2023 for XXXX XX/XX/2023 for {XXXX XX/XX/2023 for XXXX  XX/XX/2023 for XXXX XXXXXX/XX/2023 for XXXX XXXXXX/XX/2023 for XXXX XXXX XXXX XXXX XXXX XXXX 

In order to stop this, I had to delete my XXXX  card information from XXXX as soon as I discovered these unauthorized charges on or around XX/XX/2023. 

I immediately requested XXXX to delete these unauthorized in app purchases from the ipad and to refund me. XXXX then refused to reverse these charges after multiple requests and attempts, from around XX/XX/2023 to XX/XX/2023, they said to take it up with the credit card company. 

I called and submitted a dispute of unauthorized charges for unauthorized purchases over the phone with my XXXX  card company around XX/XX/2023. They reversed XXXX of the XXXX charges for XXXXXXXX  from XX/XX/2023. But refused to reverse the other XXXX charges. I then submitted a second request to the credit card company in writing to dispute these unauthorized charges around XX/XX/2023. 

The XXXX  card company sent a message that said they would review this and then they sent me a letter dated XX/XX/2023 indicating that they reversed XXXX of the XXXX unauthorized charges but will not reverse the other XXXX of the XXXX unauthorized charges. 

I am formally writing to file a complaint against Chase credit card company for allowing unauthorized charges to my XXXX  card and then refusing to remedy the unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to dispute fraudulent unverifiable information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft. 

The following information listed below which appear on my credit file does not relate to any of my personal information. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX I believe the information listed above that you are reporting in my file results from identity theft so I am requesting that you remove it and block that information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My XXXX account was closed in XXXX. I have yet to receive any mail or emails explaining why they are ending banking relationship. They are also holding money in my account and refuse to release until the account is closed but from my understanding the account is closed. I have called numerous times and told different things each time. I'm told that there aren't any notes on my account that explains my account closure. I was told that an intetnal review was done but the XXXX did not leave any notes. This is unfair and I am requesting an explanation. It has been XXXX months and I'm still waiting for my money to be released.

Company response to consumer: Closed with explanation