vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
I have been having difficulty with the transition to my new loan servicer, MOHELA from XXXX through XXXX. There were many processing errors and conflicting pieces of information coming in daily from the servicer, and each day, my account would reflect new and often incorrect information. 

On XX/XX/XXXX, I was in a mandated forbearance from the XXXX administration, and checked my online MOHELA account to see the details of when that would end. While there, I saw my account stated I would owe a monthly payment amount of {$600.00} on the XXXX plan, which was an incorrect calculation based on my income. The amount was due on XX/XX/XXXX, yet my forbearance was said to end XX/XX/XXXX. Why would be forced to pay during a forbearance? 

When I checked the next day on XX/XX/XXXX, the account showed I needed to pay {$600.00} by XX/XX/XXXX now. My forbearance status was gone, my monthly payment amount was incorrect and unaffordable to me, and I was told I would need to pay in XXXX calendar days. I called that day, requesting to have my monthly payments recalculated, and in the meantime, they said they would apply a general forbearance because I was unable to pay. 

On XX/XX/XXXX, my account reflected a correct SAVE amount, and I called MOHELA and asked them to remove my general forbearance, that I was ready to pay. I was told it would take at most XXXX business days to remove the general forbearance, which would be XX/XX/XXXX. 

On XX/XX/XXXX, I received an email from MOHELA, stating my account had been placed in an administrative forbearance " for payments due between XX/XX/XXXX, through XX/XX/XXXX. You are not required to make a payment until XX/XX/XXXX and your account will not be considered delinquent. Be on the lookout for your next billing statement. '' I noticed that my account 's status did not change in the new year, so I called on XXXX asking why my online account still reflects a forbearance. Today, the MOHELA rep said I am not in an administrative forbearance, but still in the general forbearance, because it " takes XXXX business days to remove it. '' I asked to speak to a supervisor at that point, because they were again giving me different information than before. I was put on hold for about XXXX minutes, transferred to a recording, and then the system hung up. I do not have an answer as to why they said they would process the removal of the general forbearance in XXXX business days, then change it XXXX business days, and why it would take so long to process this, and why it was automatically overridden when I was put into an administrative forbearance. 

MOHELA has been unable to keep track of information accurately and has made so many errors my account so many times. I am hoping for a resolution. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
I called US Bank and told them I would like an extension to pay my XXXX and XXXX payments and they granted me an extension until XX/XX/2024 ( see attached ). 
I paid both payments on XX/XX/2024 ( see attached ) and they have reported me 60 days late to all XXXX credit bureaus and more score has dropped XXXX points as a result ... just a the time I am trying to re-fi and take some cash out, which I do not qualify for anymore as a result of theirs actions about this extension!

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 2024-02-09 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: LA

Complaint narrative:
XXXX  XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-02-09 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: PA

Complaint narrative:
XXXX begging you please remove this to the 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 2024-02-09 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: IL

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: AR

Complaint narrative:
I called Direct Express on XX/XX/2024 to dispute charges to my account made multiple times daily for the month of XXXX and two days of XXXX. They wanted a letter within ten days showing the disputed charges. I printed out my account information, marking all disputed charges. There were a lot of transactions, to which it cost me almost {$30.00} to send, to make sure they got. Meanwhile they deposited some money back into my account. Then I received a letter from them saying they determined the charges were authorized. I don't how they prove authorized charges that I know I didn't authorize. I would take a polygraph test, that's how sure I am. The charges were from XXXX XXXX, XXXX, XXXX XXXX, And XXXX/bill. The XXXX charges I understand are for gaming, I'm XXXX and in XXXX, I don't play games! The XXXX charges I don't know but I do know I don't even have an XXXX. All of this has rattled my nerves. Finally I went and drew the money off my direct express card. To which now they are starting to reversal debit adjustment. Which now my card has a negative balance. I can't just let this go I'm on a fixed income. Anybody thAt knows me knows I don't mess around with money foolishly. Please help don't know where else to go. Thank you. Also it is impossible to talk to anyone with this company. They will let you stay on hold 7 days a week, 24 hours a day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-09 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: LA

Complaint narrative:
XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-02-09 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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 2024-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Unresolved Issue and Continuous Payments for Undelivered Laptop - Immediate Attention Required I am deeply frustrated and disappointed with Affirm 's handling of my payments for a laptop I purchased on XXXX Monday ( XXXX ) but never received. Despite my repeated attempts to resolve this issue with both XXXX, XXXX and Affirm, Affirm has continued to process payments as if the transaction was successful. This situation is unacceptable and demands immediate attention. 

On the said date, I was home all day, working from my apartment, yet no attempt was made to deliver the laptop directly to me. XXXX claims a delivery was made and even alleges a signature was obtained, under the name " XXXX, '' which bears no resemblance to my actual signature. They have failed to provide any proof of this supposed delivery. My numerous calls to XXXX, XXXX and Affirm seeking resolution have led nowhere, leaving me to unjustly pay for an item I never received. 

This ongoing issue has forced me to purchase another computer, incurring additional unnecessary expenses due to the initial undelivered item. Living in a small apartment building in XXXX, California, which requires a customer 's signature for package deliveries, it's baffling how such a mistake could occur. XXXX 's delivery practices, especially in apartment settings, are clearly flawed, yet I am the one facing the consequences. 

I demand that Affirm halt all further payments until this matter is resolved satisfactorily. I expect a thorough investigation into this issue, a full refund for the laptop that was never delivered, and an apology for the inconvenience and stress caused by this ordeal. It's time Affirm took responsibility for its role in this situation and provided the customer service and support that I, as a customer, am entitled to. 

Your immediate attention to this matter is not only expected but required. I look forward to a prompt and fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
BANK OF AMERIKA fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). BANK OF AMERICA is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-02-09 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:
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 2024-02-09 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: LEXISNEXIS
State: GA

Complaint narrative:
I have never had this information and this is inaccurate unless proof and validation, delete immediately as I have took further matters and a class action may soon to come. FCRA prohibits inaccurate Information and must verify through Myself, nor XXXX, XXXX, XXXX. My information will be erased and all data containing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was a victim of the data breach from TransUnion, and didnt remove false information, on my credit reports, such as inquiries that I never did any kind of business with

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Wednesday XX/XX/XXXX my rent payment of {$2000.00} was returned and I was notified by my rental company. I called frost bank and they said that because my balance at the time was around $ XXXX ( I cant remember exact amount ) the payment was not covered. I have overdrawn by much more and been covered in the past, however when I notified the rep of this he said it was a fluctuating number that they would cover and it changed and could not be fixed. I am being charged a {$190.00} late fee and a NSF fee of {$65.00} for something that should have been covered. I signed up for this account because they advertise it as having no overdraft fee for any overdraft under {$100.00} so why was my payment not covered?! I also received zero communication from frost bank about the rejection in the first place which is unprofessional and frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I send a letter to the creditor never got response back in XX/XX/year> so waited some time and never got a response so I went to the credit agencies XXXX XXXX and XXXX the only respond I got was that Capital one verified the debt requested them to send verified the debt they did not send me anything and then I requested it from the creditor and also nothing They just said they verified the debt and stated its mine never gave any proof of the debt and I Requested that information form the the creditor never got any response so I am asking for your help that creditor is breaking the law not providing the circumstantial documents requested

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX Chase Bank notified me stating that my accounts have been closed. 
How is received letters from them? 2 separate locations? One stating that they close my account on the XXXX. The The sapphire account was closed on the XXXX of XX/XX/XXXX I received a check for {$27.00}. 
About a week later I received a second letter stating. I was going to receive a cashers. Check in the amount of XXXX XXXX XXXX dollars I never received said check. 
I contacted the bank XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX was told by customer service that they needed to transfer me to the fraud department. Spoke with the lady in the fraud department. She stated to me that I. Needed you to verify my identity. So I did such. Once I verified my identity to her. Explain to her the letter and she stated to me that the account had been closed and there was no money in the account. Because the online account was holding my money hostage until they get a green light. And they get a go that I can get my money back. Why would a bank send you a letter stating that they sent a casher 's check? Knowing that this had never happened. 
In my eyes that's considered as Theft. 
So if we as citizens are charged with theft? When we steal something, why is the bank not liable And not be accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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

Complaint narrative:
Below are the instances of fraudulent behavior I've experienced in the past year : 1. I made a payment that was not applied to my account. After trying to contact the company for 6 weeks to no success, I had to file a fraud claim with my bank. The bank settled the fraud case.

2. Every month, there is a discrepancy with my balance in which my payment is not being correctly applied to my account, even after I correctly factor in interest, fees, etc. The company has not been able to provide any explanation or reversal.

3. Over the past few months, I have requested multiple statements, which they have not provided. They keep telling me they will send it in 46 days, but I have yet to receive a statement of my account history and activity. I believe they have a fiduciary responsibility to be transparent with my payments and how they are being applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: LA

Complaint narrative:
XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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