vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-12 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: NJ

Complaint narrative:
An Amex gift card was purchased for me. I can not use it anyplace. It's rejected everywhere. I've tried a variety of retailers- XXXX, XXXX, XXXX, XXXX, and other smaller retailers. I'm trying to make purchases for less than {$100.00} and I have verified that there is {$460.00} on the card. The card is listed as active and available for use. I've made sure to enter the details correctly, including the XXXX CV. I called customer service- Amex phone representatives deny that there is a problem with the card and tell me that I should be able to use it anyplace Amex is accepted. This is absolutely not true. I have experience using XXXX gift cards and am accustomed to the gift card system- I am making purchases less than the value of the card, on reputable sites, and I am entering the information correctly. These Amex cards simply do not work, anywhere. 

Customer service is not responsive, just denying that there is an issue. Their own website https : //balance.amexgiftcard.com/ # /help says : " You can use your American Express Gift Card virtually anywhere American Express Cards are accepted within the United States and XXXX XXXX XXXX, except the Gift Card may not be used for recurring billing or at ATMs. You can use your American Express eGift Card with any United States-based online, phone, or mail-order merchants wherever American Express Cards are accepted . Please remember, you will only be able to shop with merchants in the United States and XXXX XXXX XXXX. Your eGift Card can not be used for transactions requiring a physical card. '' This is absolutely not true. The cards are accepted nowhere. 

The original value of the card was {$500.00}. I have XXXX pending transaction for {$34.00}, that will possibly be ultimately be declined. The rest of the expenses are for {$0.00} several time each, that XXXX took as a hold when I tried to use the card to pay my bills there. 

I included screenshots of the card 's history from the Amex website, and a screenshot of the XXXX website after one of my payments was declined. I have tried the card at a variety of different retailers. I was very careful to follow instructions. The purchase amounts were much smaller than the balance on my card, I entered the information correctly and I entered my address in the 'billing ' field as directed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: Nelnet, Inc.

Complaint narrative:
I kindly request your immediate attention to the following concerns : XXXX XXXX XXXX, 2023, I applied to be moved to the REPAYE Income-Driven Repayment plan, to then be eventually moved to the new SAVE plan where in both plans, my interest is not meant to accrue. I applied for this change on studentaid.gov. 
XXXX XX/XX/XXXX my application was processed, and I was told my service loan provider, Nelnet , would review my application. 
-At some point, I also followed up with Nelnet asking for a status quo on my application. I received a response on XX/XX/XXXX, where they stated they were experiencing unprecedented email volume. My question was not answered or acknowledged. 
XXXX XXXX, 2023, was the first time I heard from Nelnet where they stated that my application was in process and no action was needed. Since then every XXXX weeks I've been receiving an email that my application continues to be in process. 
XXXX XX/XX/2023 I followed up again asking for a status quo on my application given that the federal government stated that applications could take up to 30 days to process and my application is over that timeline. 

I noticed that interest charges continue to accrue on my account despite my efforts to seek clarification and resolve the issue. Regrettably, there has been no acknowledgment or response to my application, leaving me in a state of uncertainty and financial strain. 

The lack of communication and resolution on this matter is causing significant distress and inconvenience. 

In summary, I have been struggling with Nelnet on the following : 1-Unanswered Queries : I have submitted multiple queries regarding the interest charges on my account, and to date, I have not received any response or clarification. 
2- Pending Application : My application to stop the accrual of interest on my account has not been acknowledged or processed, leaving me in the dark about the status of my request. 
3-Financial Implications : The continued accrual of interest is placing an undue financial burden on me, and the lack of resolution is causing unnecessary stress and frustration. 

I understand that issues may arise, and I appreciate your prompt attention to have Nelnet rectify this situation. I kindly request that you investigate the matter urgently, provide a comprehensive response to my queries, and process my application for interest cessation at your earliest convenience. 

I believe in the importance of maintaining a positive and transparent relationship with a student loan service provider. 

Thank you for your immediate attention to this pressing issue. I look forward to your prompt response and resolution. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
In XX/XX/XXXX there was XXXX medical bills supposedly owed toXX/XX/XXXX and professional collector corporation was collecting for them that was on my XXXX report. The bills couldnt be validated so they were taken off my credit report. So XXXX took one of the bills that was dated XXXX this one was already disputed and removed since it couldnt and wasnt validated. Theres another bill one for XXXX again this bill was fake as well since I havent been to any part of XX/XX/XXXX for at least 5 months. The last time I went to XXXX was when I had a XX/XX/XXXX back in I believe it was XXXX of this year. XXXX decided to take these bills without varifying each of these bills. Then XXXX dropped the one bill for XXXX. XXXX still left the other bill on my credit report for XXXX. This bill is false. There needs to be action taken since they must have gotten some type of kickback to take the chance of getting a fine by the ftc. I will make a complaint every single time they say XXXX has done nothing wrong and keeping a fake bill that is not verified on my credit report. So until someone does something I will just keep making complaints against XXXX, XX/XX/XXXX and the credit bureau if I have to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
End of XXXX mailed a certified letter and was received XX/XX/XXXX. I received my results of investigation XX/XX/2023. Past the required 30 days, which per FCRA inaccurate information disputed must be deleted. That's complaint No. 1.

No. 2- my dispute submitted to LexisNexis was returned with no deletions or corrections. All old info I requested removed remains. Inaccurate information remains. The bankruptcy listed is inaccurate. They are selling inaccurate information to other agencies which is against FCRA Regulations. Purposely reporting inaccurate information is illegal and if it's not removed I will be contacting a lawyer and sue to multiple violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I applied and was approved for a Santander Ultimate credit card in XX/XX/XXXX. 

From the start there was a never ending series of problems, from issues with the mobile applications, the website, and access to certain information. All of these problems still exist. 

This complaint however pertains to my credit rating, which dropped by almost XXXX points because of the incompetence of XXXX. 

When I set up autopay, unbeknownst to me, there was an issue with the checking account number. There was no easy way for me to see my full account number, so I had no idea that the number was incorrect. It meant that payments weren't being processed by autopay, but even when I tried to pay by phone with Santander, they didn't go through. 

I spoke to XXXX XXXX XXXX in XX/XX/XXXX about the issue, who acknowledged that there was a problem with the account number. I repeatedly tried to contact him, but he never got back to me in order to fix it. 

I tried to resolve the problem with Santander with dozens of calls over the months with no success. They kept on insisting that it was my or my bank 's fault, even though I told them XXXX XXXX had confirmed that the problem was with Santander. 

Eventually, I was finally able to speak to someone who knew how to modify the account number and fix the problem. But it was too late and my credit score was affected. 

As a result, I was turned down for a credit card from another bank.

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 2023-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: SC

Complaint narrative:
BLUF : A loan was taken out in my name and a lien on my house to do work that was never done, nor authorized to be done. I rejected the solar panel plan and did not want anything done to my house. No work on the house was done, but a loan was still originated without my consent. 

Around XX/XX/XXXX : A solar panel installation company called XXXX XXXX XXXX ( XXXX ; XXXX ) did an unsolicited quote for solar panel installation on my new property at XXXX XXXX XXXX XXXX, XXXX XXXX SC, XXXX. 
I listened to the pitch and I gave them my info and I told them that I would think about their proposal. 
I called the sales agent after a few days and told him I was no longer interested in installing solar panels in my house. I checked the XXXX XXXX login portal and my status said the project was suspended. 

The date is now XX/XX/XXXX. 
I am in the process of buying a new house, and my credit report shows a lien on my house from Solar Mosaic LLC ( XXXX; XXXX ). The loan amount is {$26000.00}. ( Mosaic Loan Number XXXX ) I was never notified by phone or mail that this loan was being taken out in my name. 
XXXX XXXX uses Solar Mosaic to finance their projects. 

I have contacted both companies and requested that this lien be removed because I did not request solar panel installation. No installation was done nor planned, but the lien was placed anyway. 

It has been over three months since I originally contacted both companies. I recently called XXXX XXXX and got a new support ticket. 

XX/XX/XXXX XXXX XXXX support ticket # XXXX ( email and phone call ) XX/XX/XXXX XXXX XXXX support ticket # XXXX ( phone call only ) I have also called and emailed Solar Mosaic about the loan cancellation. They need approval from XXXX XXXX before they can cancel the loan. Mosaic has emailed me several times indicating that XXXX XXXX is not responding to their requests for cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been disputing with Equifax since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments reported, collections and accounts that have been charged off which are all inaccurate and against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 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: MI

Complaint narrative:
Mohela put my account in administrative forbearance. I was not told why. I called multiple times and received conflicting information. I am enrolled in the pslf program. I was told that mohela would place my account back in repayment before my due date. I called on my due date and my account was still in forbearance. I was told by the rep that if i wanted the month of XXXX to count towards pslf that i needed to make a payment that day. I made a full payment that day. Now my account says it's in repayment with a {$0.00} amount due in XXXX. I made a {$630.00} payment in XXXX which was used to pay the interest only. The payment i made also did not count towards my pslf count.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I need Lowes Inquiry deleted. Unauthorized use of my personal information & I have no open personal accounts with them. 

A store attendant at Lowes encouraged me to opened a Commercial account for my business with the company. I agreed to opening a commercial account ONLY. But specifically told him multiple times that as long as it is not connected to my personal credit, ( because as I am in the home buying process & I was told not to have any Hard Inquiries or open any personal credit cards on my personal credit ). He assured me that there was no connection with business & personal credit as they are separate for a reason. A few days later, I saw a hard inquiry on my personal credit profile and I have no open accounts on my personal credit with Lowes. The store apologized & admitted wrong doing & I have been trying to work with them to solve the issue as the card issuer is not Lowes but Synchrony ( they have confirmed that I have no open accounts on my personal credit profile but the hard inquiry is still there ) but Im realizing that they have been taken for a loop, ( making me go in circles for over a month ) trying to get the hard inquiry removed off my personal credit profile as they promised. 

I have no personal open accounts with Lowes but I have a Hard Inquiry on my personal credit that was unauthorized by 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 2023-11-12 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: CO

Complaint narrative:
I have attempted to dispute a debt on my report regarding a student loan that was rehabilitated, but XXXX 's site does not allow me to file a dispute due to technical issues. I am also unable to contact anyone over the phone despite my best efforts. XXXX XXXX. I have a letter from the department of education stating that my debt is to be removed from my report. 

XXXX Also closed a dispute without taking action as instructed by the department of education. I need these reports updated on my account to reflect the work I have put into rehabilitating my debts Experian also has not allowed me to submit a dispute through their portal online. I would like to dispute the same loan through them.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I have reached out several times to this company and filed a dispute about this account. I have never lived here nor signed a lease agreement to this property. I have always lived at one address in XXXX, Georgia. This company has failed to comply with me as a consumer protecting my credit profile. In fact they are in huge violation of the FCRA and CFPB. I have informed them numerous times of the violation but instead they send stall letters, re-age the account by updating the date of last activity in hopes of keeping negative information on my profile. They have never provided me with proof or anything. I have been a victim of identity theft and they can retrieve the police report and FTC Report which is linked to my credit profile. This is a nightmare and I ask you please to remove this from my profile. When I spoke with XXXX they said they didnt care if I file a complaint with you guys because CFPB does no t matter and the rep hung up the phone on me. I ask you please to have this removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: T.S. Holdings
State: GA

Complaint narrative:
I have reached out several times to this company and filed a dispute about this account. I have never lived here nor signed a lease agreement to this property. I have always lived at one address in XXXX, Georgia. This company has failed to comply with me as a consumer protecting my credit profile. In fact they are in huge violation of the FCRA and CFPB. I have informed them numerous times of the violation but instead they send stall letters, re-age the account by updating the date of last activity in hopes of keeping negative information on my profile. They have never provided me with proof or anything. I have been a victim of identity theft and they can retrieve the police report and FTC Report which is linked to my credit profile. This is a nightmare and I ask you please to remove this from my profile. When I spoke with XXXX they said they didnt care if I file a complaint with you guys because CFPB does no t matter and the rep hung up the phone on me. I ask you please to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I noticed that several international transactions had occurred within a 3-day span of a new account that was just opened less than a month beforehand. The response I got was that there was no sign of fraud because after I called the card in stolen no one tried to use it. Whoever stole my backpack got all my information hacked into everything of mine XXXX Bank mobile and stole from all of my accounts Wells Fargo is the only one that is denied my claim and then went ahead and closed my accounts After further review the services or items attched to the charge i have no knowledge of and never received anything from any of them. There are 39 international transactions from XX/XX/XXXX to XX/XX/XXXX Here are the merchandisers and transactions that were unauthorized from : XXXX XXXX XXXX : XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Phone Internet XXXX. XX/XX/XXXX. {$110.00} XXXX. XX/XX/XXXX. {$74.00} {$180.00} total amount was {$2800.00} since I was a brand new account holder they had no idea what my spending habits or what I spent money on there for these transactions should have been flagged from the very beginning. international transactions every single one of them and they do not want to refund my money they closed my account and told me to go kick rocks.

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