vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
I have been working toward PSLF for 10+ years and have made 120 qualifying payments as of XX/XX/2024. I submitted what should have been my final Employment Certification Form ( signed by my employer ) on XX/XX/2024. As I am sure you are aware, Federal Student Aid ( FSA ) is now responsible for processing this form and updating qualifying payment counts- it used to be XXXX. 

FSA processed my form and updated my count at the end of XXXX, but the number of qualifying payments ( 118 ) is incorrect. I made a payment in XX/XX/2024, but that month is missing entirely from FSA 's records- it simply does not appear in my account ( see attached ). I have attached a screenshot from my loan servicer ( XXXX ) showing that they have a record of the payment ( see attached ). This payment should be included in my qualifying payment count. 

In XX/XX/2024, my account was placed in an administrative forbearance so my payment amount could be recalculated according to the Biden administration 's new rules for the SAVE plan. I have a letter from XXXX that explicitly states this forbearance will qualify for borrowers working toward PSLF ( see attached ). In my FSA account, this payment is marked " Ineligible due to non-qualifying forbearance '' ( see attached ). 

I believe FSA is confusing the forbearance my account was in for the month of XXXX with the forbearance all borrowers on the SAVE plan were put in following the lawsuit and injunction that was issued on XX/XX/2024. That forbearance does not count for PSLF. However, my XXXX payment date occurred before that ruling was issued, and my final ECF was submitted on XX/XX/XXXX. Hence, my qualifying payment count should be 120. 

I filed a complaint with FSA on XXXX XXXX, 2024 stating my qualifying payment count is incorrect. They responded via email and instructed me to file a " Request for Reconsideration '' ( see attached ), which I did. After filing the request, I received an email stating FSA will not process my request because borrowers on the SAVE plan are currently in a forbearance ( see attached ). 

I do not understand why my current " in forbearance '' status would prohibit a reconsideration of the months that preceded it. I don't think FSA even looked at the reconsideration request or the documents I provided. 

I have met my obligation to the government and my loans should be eligible for discharge. Frankly, I am deeply concerned that if Trump is re-elected before FSA gets its act together, I may never see it. I know there are many other borrowers who are currently in the same situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: NY

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts 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 explanation
Consumer complaint received 2024-10-04 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: NY

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: RI

Complaint narrative:
Dear CCS Collections/ Sir/Madam, THERE ARE 2 ACCOUNTS UNDER MY SSN AND NAME that i'm not aware of and no prior knowledge. I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies. 
The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : 1. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt. 
2. The legal basis for collecting this debt. 
3. Proof of your authorization to operate in my state. 
4. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
5. A full account history, including all related charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-04 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: NC

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Amazon Prime Visa. States 0 % interest rates on certain purchases that offer promotion. They employ deceptive practices along with Amazon hiding check boxes to enable promotional interest. Then proceed to charge you the rates claiming you did not enable the promotion. I purchased from Amazon the XXXX XXXX XXXX XXXX power station. With 12 month 0 % APR. on XXXX XXXX. I was not charged an interest rate on my first statement on XX/XX/year>, i made my payment on time but then the following month I was charged. {$6.00} on my XX/XX/year> statement and then {$4.00} on my XX/XX/year> statement. I then called customer service. Where it becomes very difficult to get a representative to talk to about the issue. They employ a voice automated service that doesn't give you the option to reach someone until you've been on the line for about 15 minutes trying to get a hold of a human representative. Who then tries to manipulate the the conversation into stating that the option to receive the promotional rate was not enabled by the buyer when it was. But both Amazon and chase are colluding into making more money with deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
In XXXX I went to my local XXXX XXXX XXXX XXXX located in XXXX XXXX, NV to pursue assistance with XXXX. I was advised to go to XXXX by XXXX XXXX XXXX XXXX XXXX. I checked in with a nurse that XXXX and I basically waited a few hours into separate rooms. One of the waiting room amongst other patients waiting to be seen and secondly, within the hallway where I was awaiting to speak with anyone for help on obtaining XXXX XXXX XXXX XXXX. By the time I waited in the waiting room, which was basically a hallway. I only met with the XXXX, not XXXX  that I wasnt able to be assisted, but I will still be charged for the visit. 

The death was obtained by Aargon Collection Agency. Earlier this year ( XXXX ) I did inquire with the agency for proof of debt which they were able to provide however, the bill never specified why I was charged close to {$840.00}. Furthermore, on XXXX XXXX, I did sent out a mail out to the agency and hopes of requesting to have the debt cleared Or if probable if we could arrange a lower payment amount to clear the debt. Over a month later, I have never received any response from the mail I sent out to Aargon Collection Agency.

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 2024-10-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally request your assistance in resolving multiple inaccuracies on my credit report. I have previously disputed these accounts and requested thorough investigations ; however, I have yet to receive a resolution or any corrective action. 

The ongoing presence of these erroneous accounts is causing significant damage to my credit file and creating undue hardship in my financial life. It is crucial that these errors be addressed immediately. 

I kindly ask for a detailed investigation into each of the disputed accounts on my report. Please take the necessary steps to correct my credit file without further delay. Your swift action and cooperation in this matter would be greatly appreciated, and I look forward to your prompt response. 

Thank you for your attention and assistance in resolving this issue.

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Dear Sir or Madam, I am writing to request the removal of a closed account that shows one late payment and is reported on my credit reports from XXXX and XXXX with one date, while Equifax shows a different date. This discrepancy raises concerns about the accuracy of the information in my credit reports. 

The details of the account are as follows : Account Name XXXX XXXX Account Number : XXXX My request is based on the following laws : Inaccuracy of Information : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverifiable information in my credit reports. The inconsistency in reporting dates suggests that the information may not be accurate. 

Responsibility to Report : According to 15 U.S. Code 1681s-2, creditors are required to report accurate information. If there are discrepancies in the dates reported by different agencies, this could indicate a failure to meet that obligation. 

Right to Deletion : Under the FCRA and other applicable laws, I may request the removal of information that does not accurately reflect the current status of an account. A late payment on a closed account, especially with inconsistent dates, may unjustly affect my credit history. 

Given these points, I kindly request that the CFPB investigate this matter and facilitate the removal of this account from my credit reports. It is essential for my credit history to reflect accurate and fair information. 

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

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Dear Sir or Madam, I am writing to request the removal of a closed account that shows one late payment and is reported on my credit reports from XXXX and Experian with one date, while XXXX shows a different date. This discrepancy raises concerns about the accuracy of the information in my credit reports. 

The details of the account are as follows : Account Name : XXXX Account Number : XXXX My request is based on the following laws : Inaccuracy of Information : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverifiable information in my credit reports. The inconsistency in reporting dates suggests that the information may not be accurate. 

Responsibility to Report : According to 15 U.S. Code 1681s-2, creditors are required to report accurate information. If there are discrepancies in the dates reported by different agencies, this could indicate a failure to meet that obligation. 

Right to Deletion : Under the FCRA and other applicable laws, I may request the removal of information that does not accurately reflect the current status of an account. A late payment on a closed account, especially with inconsistent dates, may unjustly affect my credit history. 

Given these points, I kindly request that the CFPB investigate this matter and facilitate the removal of this account from my credit reports. It is essential for my credit history to reflect accurate and fair information. 

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

Sincerely, 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 explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I signed and returned a job offer, submitted a w-2, I-9 and copies of my drivers license as part of the onboarding process. I was emailed a check to purchase supplies and equipment needed for my 'remote ' position. Because I had never received a check via email, I called my bank and asked them to verify the check before releasing the funds. I was assured that this would be done and that the money would not be released if fraud was suspected. The next day, the funds were available in my account, so I proceeded to use them as directed by my hiring Manager -- to send various amounts of money to specific individuals for other equipment and software, etc. I even went into the bank to get a new debit card to ensure proper allocation of the funds. 
I received a second check, also via email, which was to cover my training pay, and to purchase some items locally. It was while waiting for the second check to clear, that I was notified that the first check had been fraud, and the second check would not be cashed. I informed my hiring Manager, and of course, all contact ceased. I asked the bank if they wanted screenshots and/or copies of documents I had in my possession, but they declined. i also asked if I should file a police report, but they said it wasn't necessary. On XX/XX/year>, I received a demand for payment for the funds released for the first check. I was told my account has been closed, and if I do not pay, I will be added to chex-something, that will make it difficult for me to open bank accounts in the future. I was the victim of fraud and have the documents to prove it, but the bank does not seem interested. Please help 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 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX i deposited a XXXX refund check from the TXXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$11000.00}. I was able to access some of the funds until Citibank restricted my account without reason, i have been going back and forth with them since XX/XX/year> and we are now in XXXX and I have still not been able to access my funds or log into my online account, they dont even find me in the system when I call yet my funds are in the account and i continue to receive monthly statements, i need Citibank to release the {$9800.00} immediately. I would like to close that account and have my remaining balance withdrawn via check to my mailing address on file. I no longer wish to do business with this bank. I am a XXXX XXXX who counts on these tuition refund checks and can not believe the way Citibank has treated me as a customer and kept my funds.

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 2024-10-04 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in 60 days to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports

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 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing to express my concerns regarding the recent closure of my checking account with Citi Bank and to request a resolution. 

In XXXX, I opened a checking account with Citi Bank and deposited {$25.00} as required. Shortly after, I received a welcome email that confirmed the opening of my account along with the last four digits of my account number. However, instead of receiving a debit card as expected, I received a letter notifying me that my account had been closed. Unfortunately, the letter provided no explanation for the closure. 

Since that time, I have been waiting to receive a refund of my {$25.00} deposit. Given Citi Bank 's reputation as a leading financial institution, I trusted that the matter would be resolved promptly. However, it has now been eight months, and I have yet to receive my refund. 

When I contacted Citi customer service department, I was informed that they were unable to access my account information without the full account number and could not assist further. ( I did not have a full account number as I never received one ). I was advised to visit a branch in person to resolve the issue. This experience has been both frustrating and disappointing, as I believe it is the bank 's responsibility to provide clear communication and resolve the matter in a timely manner. 

I respectfully request an immediate refund of my {$25.00} deposit. I also hope that Citi Bank will take this opportunity to improve communication with customers, ensuring that situations like mine are handled more transparently and efficiently in the future. 

Thank you for your attention to this matter. I look forward to your prompt response.

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