vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 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: PA

Complaint narrative:
On XX/XX/XXXX I sent XXXX payments, XXXX for {$2400.00} and a second for {$3100.00}, satisfying the total amount owed on my XXXX loans including outstanding interest charges. The payments were applied in a manner that overpaid XXXX of the loans while balances remained on XXXX of the XXXX loans. As of XX/XX/XXXX my loan details indicate : - Loan XXXX Principal : $ XXXX - Loan XXXX Principal : $ XXXX - Loan XXXX Principal : {$1400.00} - Loan XXXX Principal : {$860.00} My account page indicates that {$26.00} in interest charges have accrued on my accounts since my payment in full was received, though it does not indicate a payment due. I have verified that my loans are still reporting as open with balances due according to XXXX an XXXX. 

I have made XXXX attempts to resolve this issue by calling Moehla : On XX/XX/XXXX I was advised that the matter was escalated and would be resolved by their payments department. No response was ever sent, no updates were made, and the loan balances continued to reflect the misapplied payments. 

On XXXX I called again and spoke to the payment department who assured me that the matter would be resolved. I have not received any response, electronically or otherwise, no updates have been made, and the loans continue to be reported to the credit agencies as having an outstanding balance. 

On XX/XX/XXXX I sent an electronic message via the Mohela account portal advising that my loan details continued to reflect the misapplied payments and the credit agencies had not been updated to reflect my balance as paid in full for XXXX full months. I have received no response from this message as of 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 2023-11-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: MS

Complaint narrative:
There are loans for {$1600.00}, {$4900.00}, and {$11000.00} for an account opened in XXXX  that I didnt open. Someone is making payments but its not me. Ive requested information but nothing reveals who opened the account. I need it removed from my report. My XXXX file number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi band charge me XXXX XXXX I am not responsible for the balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is to inform that my credit report has been used inappropriately and this violated my consumer right, this companies violated my consumer right. 

XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  ( bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: AR

Complaint narrative:
After attempting to fix this problem with the collection agency by sending in documentations for the fraudulent account that was open in my name which I had until XXXX XXXX dispute all or some which I disputed all of the account because of change of identity in my account ( under XXXX  ) it was done without permission.In the letter Spring Oaks Capital stated I had until XXXX XXXX to dispute this account which I did on XXXX XXXXIn the letter in also stated what else you can do, but it did state I could file a complaint with the FDCAP, it states I have the right to stop or limit how we contact you.Spring Oaks Capital put this account on my credit report after sending all the documentations of the incident and what occurred.If I disputed this amount why was this put on my credit report, which it should not be at all.Whoever is the attorney in fact should be held liable for this act.I never have had any attorney in fact so why did the attorney in fact put my name on any papers that does not constitute in representing me on any matter.Who is the attorney in fact who put my name on those documents? I been fighting for my identity for 22 years with the first FTC report of XXXX of XXXX reference number XXXX.I should have never been given my daughters SSN in number by the Internal Revenue Service and all other agents and other government agencies.On this day XXXX XXXX, first of occurrence of identity change was XXXX XXXXThe documents that I receive from XXXX does not have my signature or name on any of those documents this had to be in inside job at the Bank where I do business with.All disputes was filed within the time frame of XXXX first with Spring Oaks .On this day of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Good day! 

My home was wrongfully foreclosed on me without giving me the opportunity to save it. The mortgage servicer did not send me a single notification about a foreclosure auction at all. No calls, nothing. How is that possible?? I was previously was notified by certified mail, letters posted onto my wall, regular correspondence in regards to any foreclosure proceedings yet this one I did not receive even a smoke signal. I am not happy, I am not okay. I dont understand how this is legally possible. They are a debt collector, they have to notify me by all means of any and all actions taken against me, towards me and to me, and it did not happen. They hid under a rock. When questioned, they only referred me to speak with the foreclosure attorney without taking any accountability. 

I spoke with XXXX in Loss Mitigation XXXX XXXX and he confirmed on his recorded line, that loan depot not once sent out a letter notifying me of such action wanting or being taken place. He confirmed on multiple occasions within that XXXX phone call that there is nothing on record. So once again, How is this legally possible to happen? 

I need all and any help with what is going on. PLEASE I cry for help asking to help reverse the sale of my home so I can assure my family a safe place to sleep and wake up to every morning. 

Loandepot are predators, no consideration for consumers, have been attempting to reach a work out resolution with them for over XXXX  years and all they have done is given me the runaround and played games. I not once signed up for any games. I am a hard working civilian, man whom provides for his family. I would never be in this predicament if it wasnt for their lies and deceit. I have never felt so cheated in life. 

PLEASE help me save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
open acct XX/XX/23 stil didnt get card also they supposed to add brithday gift coming up

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 2023-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Upon exiting the Forbearance plan, On or around XX/XX/XXXX, representatives from NFCU started contacting me to sign the XXXX XXXX deferral agreement. I applied for the SC Housing assistance grant on XX/XX/XXXX, and each time a representative from the bank would call between XX/XX/XXXX, up until the date I signed the deferral agreement, I explained to them I applied for the SC Housing Assistance grant. Each time they called me, they said if I did not sign the loan modification form my house would go into foreclosure and my credit would have been damaged. 
They sent me the XXXX deferral agreement XXXX or XXXX times before I signed it. When I signed this document, I did not know it would affect my grant. The representatives that contacted me upon exiting the forbearance plan led me to believe the grant would have still been applied to the debt once it got approved. 
On XX/XX/XXXX, I signed the COVID XXXX deferral agreement, On XX/XX/XXXX, I received an approval email from SC Housing for the XXXX, On XXXX XXXX a representative applied the XXXX to the account. When I noticed the amount was incorrect and the balance was still the same, I contacted NFCU, and nobody could tell me the problem. After pursuing the issue non-stop, on XX/XX/XXXX, a representative at NFCU explained the debt could not be paid because I signed a deferral agreement and not a loan modification. 

In addition to that, upon exiting the forbearance program none of the Representatives educated me on Forbearance exiting options. At that time, I submitted a loan to refinance my home and NFCU denied my loans twice. 
XX/XX/XXXX ( XXXX ) - Loan Denial Reason- Excessive Obligation to income. I immediately contacted the Loan Officer, and she explained my XXXX Loan payments were too high. 
After discovering the mistake, I provided proof my XXXX loan payments were not {$700.00} plus dollars, the payment was {$110.00}. 
XX/XX/XXXX ( XXXX ) -Loan Denial Reason-Insufficient Income Due to not being able to refinance my loans or get the assistance I needed, my payments for XXXX and XXXX of XXXX were late. NFCU reported the delinquent payment to the credit agency and my credit score decreased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: FL

Complaint narrative:
CAPITAL ONE BANK USA XXXX Capital One XXXX XXXX, VA XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I do not recall authorizing all these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: GA

Complaint narrative:
I have several inquiries on my credict report that was not submitted by me and because of this its affecting my credit score!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, my name is XXXX XXXX and on XX/XX/XXXX I was the victim of a XXXX XXXX. I received a text and a link claiming to be the XXXX XXXX, saying that I needed to provide my XXXX XXXX and credit card number to purchase extra postage for a package that needed to be delivered. 
Later that day, XXXX purchases were made without my approval. My credit card called me because of the XXXX  activity. The purchases were made in the states of XXXX and XXXX. I live in XXXX and have never been in either of those states. 

My credit card company 'initially ' reimbursed the charges, started an investigation and issued me a new card. However, on XX/XX/XXXX I received a letter from my credit card stating that after their investigation I was responsible for XXXX of the charges. 
The charge they investigated was for XXXX from XXXX XXXX XXXX. They sent me " proof '' of the receipt claiming that a " XXXX XXXX '' ordered the items online and picked them up in the store with a photo ID. He apparently gave the email XXXX and the address XXXX XXXX XXXX without a XXXX or a XXXX. 
** I am not related to, nor do I know, anyone named XXXX XXXX! 

My address is actually XXXX XXXX XXXX 'XXXX  XXXX XXXX XXXX XXXX XXXX. ' The other charge was from XXXX XXXX for $ XXXX charge is still " under investigation ''. I didn't make these charges, I didn't approve 'anyone ' else to use my card, and there is no " XXXX XXXX ''. 
They also informed me of 'conflicting ' informatoin pertaining to this package being both 'delivered ' to my address, but also 'picked up ' at a XXXX XXXX XXXX XXXX location somewhere unknown. It would seem to me that XXXX XXXX XXXX XXXX would have a video of this transaction which would clarify my case. 

* I want these charges dropped. The credit card company isn't doing enough to resolve my case and appear to be aloof and dismissive about my situation. 
I have filed a report with the local police as well today with XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX Department ( Badge # XXXX - Case # XXXX ) Thank you so very much for your attention to this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-11-07 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: GA

Complaint narrative:
EXPERIAN, XXXX AND XXXX, through there paid subscription gives authorization to XXXX XXXX TO ACCESS THIER SYSTEM REMOTELY GIVING THEM SOLE AUTHORITY TO REPORT CONSUMER ACCOUNTS AS VERIFIED ALSO THESE THREE COMPANIES GAVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO CLASSIFY A CONSUMER ACCOUNT AS NOT BEING FRAUDULENT WHILE SIMULTANEOUSLY PROHIBITING XXXX, XXXX AND EXPERIAN ALONG WITH THE CUSTOMER FROM DISPUTING THE ACCOUNT AS FRAUDULENT. IN PLAIN ENGLISH AFTER A BUREA BLOCKS AN ACCOUNT AS FRAUD ANY PAID SUBSCRIBER CAN ACCESS THE ACCOUNT AND UNBLOCK IT AS FRAUD AND PREVENT THE CREDIT BUREAU OR THE CONSUMER FROM CHALLENGING ITS LEGITIMACY AS FRAUD EVER AGAIN! GIVING A PRIVATE PAID SUBCRIBER THIS BIAS AUTHORATIVE CONTROL VIOLATES THE FCRA IN ITS ENTIRETY. No consumer has any rights whatsoever given the access given by these three major bureaus. The above information was provided by a supervisor of all three bureaus. 

These accounts is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which XXXX, XXXX, AND EXPERIAN IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN!

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 2023-11-07 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: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), the account details provided below have infringed upon my federally protected consumer rights, specifically the right to have accurate information reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am composing this complaint to formally dispute the accuracy of the information reflected on my credit report. According to my records, the mentioned account has been paid in full and currently maintains a XXXX XXXX. However, I have observed that your reporting indicates a balance of {XXXX, which constitutes a blatant violation of the FCRA. 

This reporting discrepancy is impeding my ability to secure new credit, and I am seeking a prompt resolution to rectify this matter. Your immediate attention to this issue is appreciated.

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 2023-11-07 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: CA

Complaint narrative:
The account was sold by XXXX and paid not reporting accurate

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 2023-11-07 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: CA

Complaint narrative:
The account was sold by XXXX and paid not reporting accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: OH

Complaint narrative:
I reviewed my XXXX  Reports and noticed that I have inaccurate late payments on this account. XXXX  Reporting Agencies have assumed a vital role and have a responsibility to report XXXX  information to the best of their ability with Maximum Accuracy. Account : ( XXXX XXXX ) : ( XXXX ) Please remove this account 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 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have applied 6 times for a XXXX XXXX XXXX XXXX XXXX card. Each time the instant approval comes back with a $ XXXX credit limit. I am then asked for proof of State Identification and a copy of the business ' XXXX letter from the IRS. I have provided both ( Driver 's License and Passport, in addition to the XXXX letter ). Every time I receive an email the next day saying the application is denied because your identification could not be verified. No other reason given was ever given. I even contacted them on Social Media, I have a large following of XXXX XXXX followers, hard to pull off if you are a scammer, and still I was told to check the denial emails, like they were going to magically say something different. I am exasperated and utterly disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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:
I pulled a copy of my Equifax consumer report and noticed an item I would like to dispute. It is as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Reason : This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for negligence. Please DELETE this item from my consumer report! 

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: IL

Complaint narrative:
I earnestly plead with you to promptly take decisive steps to eliminate the unauthorized inquiry from my credit report without any further delay.

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