vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 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: PA

Complaint narrative:
Full Class Member of XXXX XXXX XXXX lawsuit attended XXXX XXXXXXXX University from XXXX to XXXX Received Approval Letter of Borrower Defense Case XX/XX/XXXX from Department of Education after filing a Borrower Defense Application via a scam company called XXXX XXXX XXXX with my application having incorrect dates of attendance, but received by the Federal Student Aid on XX/XX/XXXX. 

Moved from XXXX to Mohela as my Loan Servicer in XX/XX/XXXX. Loans were held in Admin Forebearance until XXXX/XXXX/XXXX. 

Applied PSLF payment counts to all loans currently held under my name XX/XX/XXXX, achieved XXXX verified payments under PSLF program for my Sub/Unsub loans from XXXX XXXXXXXX University and PPLUS loans for sons from XXXX XXXX , and XXXX XXXX University . 

XX/XX/XXXX - Requested Consolidation of all loans to use PSLF payment waiver so that my highest payment count can be applied to all loans and they will be paid off via the XXXX program. 

Consolidation is approved however instead of being placed into Administrative Forebearance as required, I am placed into a regular IDR plan with a payment of XXXX a month for at least 12 months. 

Filed Request XX/XX/XXXX for Forebearance General Hardship explaining that I am supposed to be under Administrative Forebearance because of the XXXX XXXX XXXXXXXX lawsuit AND PSLF Waiver processing since required XXXX payments were counted and made. 

Correspondence Processing Delay Received from MOHELA XX/XX/XXXX stating my request for Forebearance should be processed within the next XXXX Business Days. 

Also have an outstanding request for a loan payment that I absolutely should not be making because I qualify under XXXX XXXX XXXXXXXX lawsuit to be in Admin Forebearance along with PSLF forgiveness due to 20 years of full time employment at a non-profit organization. 

My complaint is to have my loans placed in Administrative Forebearance they way are supposed to be and my loan paperwork properly processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I went to XXXX to purchase an outside furniture set. I was offered at the register an opportunity to apply for an interest free credit card for one year. It was all done at the cash register. I have been charged interest from day one. I have paid the principle completely off, and TJX continues to charge me interest and late fees. When I called to complain, they said that I owed XXXX dollars. When I asked them to break it down, it was XXXX dollars in late fees and the rest in new last fees and interest. I asked them to remove all the late fees and interest from the account and close the account. They refused. I asked for a manager and waited 30 minutes and was told there was nothing she could do and that there were no other people above her that could address my concerns. This is unheard of. I asked her to have someone call me, she said that they do not call out. They are charging loan shark rates on closed principles and refuse to refund my money or close the account.

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 2023-11-01 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: OH

Complaint narrative:
I filed complaint # XXXX with the CFPB on XX/XX/2023 in reference to issues I've been having with Equifax in an attempt to get some answers about incorrect information on my credit report. Not only have I been ignored. I've been fighting this roller-coaster of unexplainable credit score decline with no explanation, and when attempting to address these issues Equifax claims it can do whatever to me without recourse. Equifax is being enriched because of the information attained in me credit report despite inaccurate information causing me financial hardships and damage to my standing in the financial sector. The response to CFPB complaint # XXXX was that the information was removed yet, the report still contains singular accounts reported twice as well as inaccurate payment statuses and inaccurate late payments just to name a few of the negligent practices of Equifax. I'm not sure I comprehend this response, maybe Equifax could explain what they meant by, " A summary of the results are listed below : NON-REPORTING DISPUTES Trade : IRS THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Netspend Corporation
State: FL

Complaint narrative:
I am noticing I have an account and there's money being transferred I don't know where it's been transferred to it's being transferred to

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 2023-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report. There are several misspellings of my name and addresses that DO NOT belong to me. Transunion, XXXX, and XXXX assumed a vital role in the banking system and have to follow the law in furnishing consumer reports. 

I have stated several times and provided proof of my identity and correct address and each company is still inaccurately reporting my personal information. 

My name is XXXX XXXX. There should be no other names listed on my report. My address is XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX IL XXXX remove any other address they do not belong to me. 

If you have reason to believe the information you are being furnished and paid to report provide me with an accounting ledger so I may inspect the records. Please take not I am not asking for my consumer report but the account history for the financial gain made from my consumer report. 
( a ) Accuracy and fairness of credit reporting The Congress  makes the following findings : ( 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
Was charged a late fee. Requested to be waived. Was told that for some customers the fee was waived but not for me. Never been late, always paid more than my minimum and late fee was not waived as courtesy but for others is.

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 2023-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: IN

Complaint narrative:
While making payments, I discovered that I am being charged a ridiculous amount in fees when making payments for a loan I requested to help me and my gamely move. When making a {$180.00} payment on every occasion XXXX would continue indefinitely, every 2 weeks, they were charging me a " service fee '' of {$160.00}, only allowing {$20.00} to go towards my total loaned amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: Nelnet, Inc.
State: LA

Complaint narrative:
SEVERAL ACCOUNTS WERE OPENED IN MY NAME WHILE I WAS XXXX AND WITHOUT MY KNOWLEDGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from XXXX XXXX XXXX XXXX XXXX Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE A CERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of receipt of this notice. I am also requesting the governing Trust Instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. 

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 explanation
Consumer complaint received 2023-11-01 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP
State: KY

Complaint narrative:
The XXXX wire department has withheld XXXX dollars, which was sent from my USBAK account for the purchase of a flight that I rejected due to a price variation of the company XXXX XXXX, as well as sending me a receipt of the purchase when it was not sent. carried out, alarming my concern and giving way to the retention of that money on my part, opening a case for possible scam with number # XXXX, XXXX On XX/XX/2023, since that date I had not received a response from the bank and I decided to call to the bank and claim my funds and the bank opened another refund case # XXXX, FURTHER COMPLICATING THE PROCESS AND RETAINING MY FUNDS DUE TO AN INVESTIGATIVE PROCESS WITHOUT SOLUTION TIME AND RETENTION OF MY FUNDS, IS THE RESPONSE OF THE WIRE DEPARTMENT OF XXXX 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 2023-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
complaint # XXXX first. complaint. 



You are providing false information. The above lawsuit was not for XXXX XXXX. I did not mention at all XXXX XXXX. This is regarding the lawsuit that was filed against Phoenix recovery group associated with XXXX XXXX. This is what I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Someone is using an address to use my credit and theyre not paying the bills and its reflecting on my credit score and its reflecting on the amount that I owe. I am sick and tired of this. Theyre using an address that I live that 30+ years ago. Also someone use a different name using my identity and ran a huge bill up over XXXX some dollars and I have no idea what theyre doing with the other address. This is really frustrating and it needs to be fixed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested that a few accounts on my credit file with TransUnion be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Home Depot is reporting an alleged late payment from 2019 to third parties, and this information is inaccurate. I have requested that this information be removed on several occasions via phone and letters. If Home Depot believes that this information is accurate. I'm requesting to be provided with proof in accordance with UCC 9-210 " Request For Accounting ''. Account statements will not suffice.

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 2023-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I was contacted on my personal cellphone number for someones debt that was not mine. They would not provide how they got my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Dear XXXX XXXX XXXX  XXXX XXXX at Navy Federal Credit Union , I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from Navy Federal Credit Union . Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE A CERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of receipt of this notice. I am also requesting the governing Trust Instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. 

Sincerely, XXXX 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 2023-11-01 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: MS

Complaint narrative:
I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine. Identity Theft!

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 2023-11-01 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: MS

Complaint narrative:
I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine. Identity Theft!

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I looked upon my credit report and discovered these accounts that need to be deleted.

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 2023-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CONTRACT RESOLVE GROUP LLC
State: CA

Complaint narrative:
Debt collectors calling and leaving voice messages and emails harassing me daily. Calling me to disrespect me at any level. Threatening me to take legal actions. This debt collector had bought a debt from XXXX whom I use to work with. Which I dont owe that amount and Im still in contact with XXXX XXXX I dont know who this debt collector is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a joined account with my husband XXXX XXXX at Truist Bank they have been holding my funds since XX/XX/XXXX due to a fraud investigation I have not heard from them or gotten any updates on their investigation I have offered documentation to proof that the funds belong to me. This has caused us extreme stress I am XXXX  and XXXX XXXX due to all the stress this has caused 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 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
I was notified via email about a student loan that had been assigned to me. To find out more about the details, I registered for an account. However, I discovered that the loan was associated with a school that I have never attended. On XX/XX/2023, I took the initiative to write a letter to the company and also sent a copy to all three credit bureaus, addressing this discrepancy. 

It is extremely alarming that despite my never having attended the school mentioned in the loan, the information was deemed " verified '' and considered accurate. How is it possible for a school I never enrolled in to demand payments from me and report the debt on my credit report?

Company response to consumer: Closed with explanation