vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 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.
State: KS

Complaint narrative:
XXXX Student loan {$5500.00} Great Lakes Borrower XXXX Student loan {$5500.00} XXXX XXXX XXXXXXXX XXXX Started paying on Student loan with Great Lakes Borrower XXXX Called and spoke XXXX at Great Lakes Borrower requested that my auto debt student loan payments to continue as I was working fulltime and didnt need my loan to deferred. 

XXXX Received letter indicating Great Lakes Borrower Service had sold/transferred my student loan to nelnet. Letter mentioned my monthly auto debt of {$120.00} would continue as it had with Great Lakes and no changes would be required from me. 

XXXX Received statement from nelnet indicating I owed {$60.00}. nelnet had listed my student loans as XXXX XXXX  and XXXX XXXX and applied the entire {$120.00} to group AA instead of breaking this down to into both groups. Spoke with XXXX and XXXX said this wouldnt be possible and she would need to have us fill out paperwork so nelnet could reallocate my payment each month. I was not satisfied with this and XXXX placed me on hold and spoke with a manager. When she came back on the phone XXXX said the payments would be corrected and the changes to make sure my monthly payment of {$120.00} would be divided up and {$63.00} would be applied to loan XXXX XXXX  and {$60.00} would be applied to XXXX XXXX. I would not need to do anything. 

XXXX Received statement from nelnet indicating I owed {$60.00}. nelnet applied my entire payment to XXXX XXXX. I spoke with XXXX and explained the issue and XXXX transferred me to XXXX. XXXX reallocated my XXXX payment and said she would make sure all future payments were taken care of properly. 

XXXX Received statement from Nelnet indicating I owed {$60.00}. nelnet applied my entire payment to XXXX XXXX. Spoke with XXXX and explained the issues. XXXX said this would be taken care of for this payment and all future payments. 

XXXX Received statement from Nelnet indicating I owed {$60.00}. nelnet applied my entire payment to XXXX XXXX. Explained to XXXX the issue and she was checking with IT to see why this keeps happening and can only suggest the reason for this is because they are back up and not able to see the special note that is attached to this account. XXXX will make the correction. With being on hold and with XXXX I was on the phone for XXXX hours and XXXX minutes. 

XXXX Received statement from Nelnet indicating I owed {$60.00}. nelnet applied my entire payment to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: CA

Complaint narrative:
I had some optimism at first about this new loan servicer in hopes that they would be more responsible than the student loan caretakers before them. That unfortunately ended quickly. 

1, The first issue is that Mohela has my monthly payment hugely wrong since I took time off to take care of a family member last year and didn't make near what I usually make in income. And I can not get through to them due to terribly long wait times. It also seems like they have literally taken away the option to message them as when I try to it just dead-ends into another page that has nothing to do with messaging.

2. The second issue is that I requested a refund from Mohela before the deadline on XX/XX/23 for a refund of a student loan payment I made during covid. I messaged them through their messaging system and also talked to an agent that day who said he would put in the application for me and that it would take a couple weeks to get back to me. 

However, on XX/XX/23, they emailed me that the deadline had passed and since I had not requested before the deadline, I was not eligible. On XX/XX/23, I messaged them and said that they were clearly wrong and it was unacceptable since my first message even has the date of XX/XX/23 which was the deadline date. I also talked to a representative that day and he said that he was putting in the application and it wasn't late. They never responded to this message and their strategy seems to ignore issues that they cause. And now they have taken away the option to message them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
XXXX I want the following concerns addressed as soon as possible : Refrain from foreclosures proceedings Message email from XXXX XXXX Void repayment plan paying XXXX a month I only bring home XXXX. 
Ignoring my financial and health hardship ( XXXX  XXXX XXXX ) Messages from Doctors ' Please refrain from starting any foreclosure proceedings, I have been working hard as sick as I am trying to come up with a resolution. 

Frist of all, I am writing again to XXXX  to file another complaint with SPS and mail the complaint to the owner of my mortgage which is XXXX XXXX XXXX XXXX XXXX. 

I want SPS to look at the repayment plan, the monthly payments are too high and i simply can not afford them right now because I a being impacted by the new XXXX virus and a XXXX  XXXX XXXX such as XXXX  XXXX XXXX. 

I am writing to the Department of Housing and Urban Development to find out how I can get help in taking care of my mortgage. 

I am XXXX XXXX XXXX and facing serious financial and health hardship, I feel that there was error were made and I want to appeal the decision of SPS. I think it is wrong to charge me a large monthly payment when I am struggling. 
Your letter asks to understand my financial situation so you can possibly request an exception. What exactly does this mean? I sent you a new income and expense worksheet explaining my financial situation, I don't believe none of you even looked at it. 

Finally, your letter states that XXXX is my assigned Relationship Manager, she is yet to reach me, I have emailed her several times and I have not received any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ZuntaFi Corp
State: FL

Complaint narrative:
Private student loan sold to zuntafi. My interest was with original lender was XXXX  %, now after acquisition it 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 2023-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Bad credit refers to a person 's history of not paying bills on time and the likelihood that they will fail to make timely payments in the future. For individuals it is often reflected in a low credit score. Having bad credit makes it difficult to borrow money, especially at competitive interest rates.

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 2023-10-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Bad credit refers to a person 's history of not paying bills on time and the likelihood that they will fail to make timely payments in the future. For individuals it is often reflected in a low credit score. Having bad credit makes it difficult to borrow money, especially at competitive interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XX/XX/XXXX I noticed that Amazon had been changing my Amazon Store care for a prime membership that was not my prime membership. The additional prime  membership that was being charged to my card was a monthly membership while my personal membership is and has always been a yearly subscription. I did not note these charges initially on my store card because the statements were hard to decipher and rather than providing line items it would just state Amazon charge. Recently this was changed and I was able to note the charge. 

I reached out to synchrony bank who holds the amazon store card and was able to determine that this fraudulent activity started on XX/XX/XXXX in the amount of {$13.00} on a monthly basis on XX/XX/XXXX the amount increased to {$16.00} this came to a total of {$630.00} in fraudulent charges. Upon speaking with the bank they stated that I would need to ask for the refund from amazon directly. 

Calling into Amazon I spoke with a representative named XXXX, after much discussion XXXX  advised that she would be refunding the full {$630.00} to my amazon store card but claimed that she would have to refund it in batches. I did confirm multiple times that I would be refunded for the full amount over the recorded line. XXXX  stated that I would receive a confirmaiton email and stated the funds would be in my account within 5-7 days. 

Today XX/XX/XXXX I checked the account and noted that 13 transactions in the amount of {$16.00} were refunded back to my account for a grand total of {$200.00} which left me short of the total amount promised by {$420.00}. I called XXXX to report the descrepency and spoke with a representative named XXXX who stated they did not have access to the call and escalated me to XXXX. XXXX claimed she listed to the call but stated they could not honor what XXXX  had previously promised me and that I should contact syncrony to dispute the charges. I continued to ask extremely pointed questions which eventually lead XXXX to reveal that she in fact had not listened to the call, refused to let me speak with anyone else despite the fact she had been dishonest throughout the conversation. I asked for the subpeona address and ended the call. 

I called syncrony bank to dispute the charges as fraudulent and spoke with XXXX who did flag all of the charges and stated a new card would be opened but their research can take up to 60 days. I attempted to inquire how this could not have been caught as there should not be anyone with two amazon prime memberships. XXXX transferred me over to a manager named XXXX who did confrm that there was no such safe guard in place for consumers and that the issuance of a new card would not create a new trade line.

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 2023-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the inclusion of certain accounts in my consumer report provided by your agency. These accounts should not be furnished on my consumer report, as they are in violation of 15 USC 1681b - Permissible Purpose of Consumer Reports, specifically under ( a ) ( 2 ), which states : " In accordance with the written instruction of the consumer to whom it relates. '' I have never provided any written consent to any consumer reporting agency, which violates my rights as a consumer. The absence of consent amounts to identity theft, and as a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX In addition, I would like to draw your attention to 15 USC 1681c-2 , which states : " 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. '' I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been issued a reference number ( XXXX ) for this matter. I kindly request that you adhere to the legal obligations outlined in 15 USC 1681c-2 and promptly block the reporting of the aforementioned accounts from my consumer report within the statutory timeframe.

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 2023-10-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the inclusion of certain accounts in my consumer report provided by your agency. These accounts should not be furnished on my consumer report, as they are in violation of 15 USC 1681b - Permissible Purpose of Consumer Reports, specifically under ( a ) ( 2 ), which states : " In accordance with the written instruction of the consumer to whom it relates. '' I have never provided any written consent to any consumer reporting agency, which violates my rights as a consumer. The absence of consent amounts to identity theft, and as a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, I would like to draw your attention to 15 USC 1681c-2 , which states : " 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. '' I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been issued a reference number ( XXXX  ) for this matter. I kindly request that you adhere to the legal obligations outlined in 15 USC 1681c-2 and promptly block the reporting of the aforementioned accounts from my consumer report within the statutory timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: WI

Complaint narrative:
XXXX XXXX XXXX 1. ) I was a victim of identity theft. Experian was notified of the identity theft. Experian did a full investigation and received all pertinent documents verifying the identity theft, then deleted this account due to identity theft. Experian then re-listed this account at some point after it was deleted due to identity theft.

2. ) This account does not belong to me due to identity theft, however this notwithstanding this account deserves to be deleted as it claims a past due amount on an account that was charged off. Records must be absolutely accurate, you can not have a past due balance on a charged off account. 

3. ) Lastly, Experian failed to note that the account was in dispute 31 days after the initial dispute was filed

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 2023-10-17 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: General Motors Financial Company, Inc.
State: OK

Complaint narrative:
I have no knowledge of these inquiries and want them off my credit repost ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Foursight Holding LLC
State: NM

Complaint narrative:
The following letter was sent to the company and Via Email on XX/XX/2023 and was responded to and told they cant help via email i already called and and tried to talk to XXXX and was treated very rudely and unprofessionally and told there was nothing he could do to help. 

Subject : Request for Early Termination of Auto Loan Due to XXXX XXXXXXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to request your assistance with the early termination of my auto loan under my name, which I have with Four sight Capital. The reason for this request is a significant change in my circumstances. I am an active member of the United States XXXX XXXX, and I have recently received orders for XXXX XXXXXXXX to fulfill my duties. 

My XXXX is expected to last for an extended period, making it impossible for me to keep the vehicle financed under your company during this time. Unfortunately, due to the unique nature of my assignment, I am unable to bring the vehicle with me XXXX I understand that this is an unusual situation, and I would appreciate your understanding and cooperation in helping me resolve this matter. 

In light of the above, I kindly request the following : 1. Early Termination : I am requesting the early termination of my auto loan with Four Sight. I understand that there may be fees associated with this process, and I am willing to cover any reasonable costs so long as pre agreed upon.

2. Non-reporting to Credit Bureaus : Given my commitment to serving our country and the unexpected circumstances leading to this request, I kindly ask that my early termination and the associated financial arrangements not be reported to the credit bureaus. It is crucial for me to maintain my credit score as I will need it for various financial transactions during and after my XXXX to include my security clearance. 

3. Confirmation of Termination : I kindly request a written confirmation of the loan termination, including any final details and the acknowledgment of the non-reporting of this event to credit bureaus. 

I understand that my request might entail some work on your end, and I genuinely appreciate your assistance in accommodating my situation. I assure you that I am committed to fulfilling my obligations and responsibilities regarding this matter, including any financial arrangements that may be required. 

Please let me know if there are any forms or documents I need to complete to facilitate this process. You can reach me at XXXX for any further clarification or to discuss this matter in detail. 

I understand that your company has policies and procedures to follow, and I kindly request your understanding and cooperation during this challenging time in my life. Your assistance in resolving this matter promptly will be greatly appreciated. 

Thank you for your prompt attention to this request, and I look forward to your positive response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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