vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I am a co-borrower on a spousal consolidation federal student loan serviced by Nelnet. The " primary '' borrower is my ex-spouse. We have been divorced a decade and he has never submitted a payment. 

I am currently awaiting the Department of Education and/ or Nelnet to implement processes under the new Joint Consolidation Loan Separation act, which became law in XX/XX/XXXX. Under this law, I **do not need the permission or concurrence of a co-borrower** to apply for and obtain loan separation, affording me the right to pay for only my portion of the loan. My situation meets the criteria for a separate application. 

Meanwhile, the loan servicer is required to allow me to enter an administrative forbearance period until the separation process is fully established. Nelnet refuses to grant me this forbearance, stating that I need the co-borrower 's permission to do even this. This is despite the facts that 1. Neither I nor Nelnet know his whereabouts ; 2. I am legally permitted to request and be granted the forbearance ; 3. The servicer is legally required to grant it ; 4. I am the exclusive payer on this loan, always have been, and am evidently the sole person contacted when payments are late ; 5. I have filed a complaint and my intent to separate loans with the Federal Student Aid Ombudsman, as the Department of Education has instructed joint borrowers to do ; 6. The Ombudsman has contacted Nelnet to inform them of my intent.

This loan, originated in 2001 -- 23 years ago!! -- now has a higher balance than its original, in spite of my making regular payments above the minimum due for over a decade. I am also currently paying on the individual loan which was used for my own undergraduate program. These two payments, my own loan and one over which I have absolutely no control although it's comprised of approximately 1/4 my own tuition ( my accrual was considerably less than my former spouse 's ), now total about {$1000.00} per month.

My hope is that with this report as well as my report to the Department of Education I may finally be granted my legal rights under the new Joint Consolidation Loan Separation Act.

Should you need to contact me and/ or Nelnet , this loan is in the ex-spouse 's name, and only my former married name ( XXXX XXXX XXXX XXXX is associated with it. I have his SSN as well as the loan number ( s ) available. 

Many thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: CT

Complaint narrative:
About 3 years ago I had a hard time getting car insurance due to things I never knew was on clue or on my credit report due to applying for different credit line, about 1 year ago I call Experian to dispute information that I had no idea about or received any mail from collection company XXXX XXXX, after send information through mail and identity verification I have not received anything back, I dispute action that on my report about 45 day and still failed to remove it information and also amica report when I pay off product due to COVID financial hard ship, I have written and made numerous attempts to dispute and request my information to not be share due to they use my data for violating My consumer protection and other privacy laws I have suffered 3 years behind things credit company fail to notify me about and using information that doesnt support The fcc XXXX XXXX XXXX and the XXXX in my state in of Connecticut XXXX XXXX was pass four years ago the company has gone against everything within in what constitute consumer privacy and fair credit laws and regulations for myself its been over 3 years and again 45 days that this information should be removed by law

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 2023-11-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Global Lending Services LLC
State: KY

Complaint narrative:
I traded the car in they told me to put the XXXX down on the new car and they will make it where I did not have a late payment but it took XXXX  days to do the paperwork and I have a late. The car is now paid off and they will not take the late payment off the credit. The company is global lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I had a previous loan of XXXX on XX/XX/2022 from XXXX XXXX XXXX XXXX due to unforeseen circumstances, was not settled within the designated timeline. However, i have recently settled the entire outstanding amount with the firm and have obtaines a No objection certificate ( NOC ) as a proof of settlement Regrattably, despite the settlement and the issauance of XXXX my XXXX report continews to reflect a wilful default status which is significantly impacting my finincial endeavors perticularly my recent application for loan from a reputed Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: NJ

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: NJ

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
A couple of issues : when I make a payment, those payments take up to three days to show up as pending on my account. I have made payments and then gone back to look to see if they are there only to not see the payment I made. Twice now I have made an extra payment because of this issue. 

Aidvantage will not pick up my calls in a timely manner. I call at exactly XXXX XXXX  and I am still on hold for XXXX mins to speak to a rep. 

Aidvantage will give me an error saying try this payment later after I hit submit. Well, those payments go through and I end up paying Aidvantage extra money due to their website issues. I am currently XXXX business days into a wait for my refund. This is all unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have 2 late payments for Comenity Bank. 
I have explained my family-death situation however, they couldn't help me. 
I was unable to purchase a home. 
I really need help removing 2 late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.. 

My XXXX XXXX account is reported multiple times on my XXXX credit report please remove immediately My XXXX accounts is reported as late

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 2023-11-06 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.. 

My XXXX XXXX account is reported multiple times on my Equifax credit report please remove immediately My XXXX accounts is reported as late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.. 

My XXXX XXXX account is reported multiple times on my XXXX credit report please remove immediately My XXXX accounts is reported as late

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 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I applied for the GM Business Rewards Card, they approved me for a {$6000.00} spending limit but they are requesting some additional documents before finalizing my approval and sending my card. 

I have sent in the additional documentation requested, which is my state ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I am XXXX  XXXXt that was XXXX  with the XXXX  XXXX XXXX with a XXXX XXXX XXXX XXXX I reached out to my complex, XXXX XXXX in XXXX, Ga which is apart of XXXXXXXX XXXX to sign my lease over they never sent any paperwork or moved forward I then reached continuously trying to just get out of the lease ( by law I can do that because I had a XXXX XXXX ). You would think they would help me in this process but they continuously ignored me. I would have more screenshots off of resident portal app but they no longer use the app. The management sucks, they have ample complaints and hasnt had any in the office for over a year. Procollect in XXXX, TX has wrote me and Ive wrote them back plenty of times throughout the year. Ive explained the situation and Ive called, the lady i recently spoke to was nasty and had an attitude, Ive reached out to both parties. This is wrong and this is illegal. Its a shame I have to go through all of this while fighting for my life and trying to XXXX XXXX you would think they would have some kind of sympathy, grace. If the shoe was on the other foot what would they do? This is a shame and illegal. Procollect gave me a email to send my proof too but they blocked it to where my message wont send.

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 2023-11-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My XXXX student loan was originated in XXXX. I graduated from college in XXXX and began repayments on the loan which at the time had a balance of approximately {$43000.00}. When President Obama began the income sensitive repayment plan in XXXX I switched to an income sensitive repayment plan to lower my payment to an amount that I could afford. This lowered my payment to around {$310.00} per month. I paid under that plan until approximately XXXX when I was informed by Nelnet ( my student loan company at the time ) that with a {$53000.00} annual income, my monthly payment was being raised to around {$700.00}. I could not afford that and was told by Nelnet that there were no options for a lower payment and that the only thing I could do was to put my student loan into deferment for up to 60 months. My loan remained in deferment until XXXX when it was switched to an in school deferment when I went back to school for an advanced degree. After I graduated in XXXX, I received notice that my loan was going to go back into repayment, now at a balance of approximately {$55000.00}. However at that time the XXXX student loan pause had went into effect and I did not have to make any payments. In XX/XX/XXXX, when the loan pause was set to expire, I contacted Nelnet and asked what could I do to lower the payment to an amount that I could afford. I was told at that time that with an annual income of {$74000.00}, I was not eligible for any type of income sensitive payment plans, I was not eligible for public service loan forgiveness credit for the 3 years that I had worked at a non-profit housing agency and I would be receiving no credit for the 10 years that I had paid the loan prior to the income sensitive repayment plan, nor would I get credit for the time that I paid the loan under that plan until I could no longer afford the payment. I was told by Nelnet that my almost 30 year loan would be starting over from Day XXXX for another 30 years, which would mean that a loan that was originated when I was XXXX XXXX XXXX would not be paid off until I am in my XXXX. Nelnet advised that my only option would be to refinance the loan at a lower interest rate which would privatize my loan and I would lose all federal student loan protection. At that time the student loan income pause was set to expire and I was out of options. I refinanced the loan at a lower rate based on the advice that I was given by Nelnet which gave me a payment that I could afford, however it was not until after this that the federal government created more options for debt relief which now I was no longer eligible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NC

Complaint narrative:
In XXXX on XXXX I made a request for the payments made during XXXX to be refunded. I made payments the entire time during XXXX up to XX/XX/XXXX. I received one payment of {$300.00} in XXXX of XXXX. When I received no further payment I contact Mohela through their website by email in XXXX of XXXX. I was told it would process in the next 90 days. By XXXX of XXXX I had heard no response nor a refund of the payments I made. I again sent an email requesting information as to what was happening and received no response. I have placed a call this morning ( XX/XX/XXXX ) and spoke with XXXX. She said the request had been processed and closed but no payment was sent. She has started a new request and I will have to wait another 90 days for a response. I asked if there was anything else I could do about the situation and she said to just to wait the 90 days. I should not be forced to wait more than a year for a refund of payments or have to make multiple requests to get what is rightfully mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: American Credit Acceptance, LLC
State: LA

Complaint narrative:
On Thursday, XX/XX/2023, American Credit Acceptance had XXXX XXXX come repossess my car bc I was behind 3 months. I sent a letter priority mail to the company explaining that they were doing was against the law with the following codes : XXXX XXXX, ucc XXXX XXXX tender of payment ), ucc XXXX ( negotiable instrument ), and XXXX XXXX ( without predjustice ) and explained each one to them. I explained to them that the coupon was a form of payment. On that day about two hours after I got home they came to take my car and I had to pay almost {$1900.00} to be able to get out of XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management
State: AL

Complaint narrative:
On XX/XX/XXXX I mailed Fox Collection Center a letter using certified mail requesting validation of an alleged debt. Like I mentioned, I sent the letter through certified mail, so I know the company received it. In the letter I clearly and conspicuously stated that notice to agent is notice to principal, notice to principal is notice to agent. I also state that no response to my letter constitutes.. 1. That the alleged debt did not exist in the first place and 2. That any negative marks made to my consumer report will be removed. It is XX/XX/XXXX and I have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have Bank of America Adv SafeBalance Banking ending in XXXX. I am trying to close this account- it has XXXX balance. I tried calling at XXXX three times during last Friday and Monday ( today ) .Bank of America have the very buggy, annoying and good for nothing bot which never let a customer talk to a human being.

Last week, Friday when I was talking to somebody in Bank of America, I asked them to Close the account- he said reach out to customer service.

Customer service is not reachable via phone or chat.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
someone has stolen my identity somebody has tried to open 4 credit cards and 2 bank accounts and a loan

Company response to consumer: Closed with explanation