vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MN

Complaint narrative:
XX/XX/XXXX - Borrower Defense request submitted to the Department of Education under new guidelines from the Biden administration stating that loans from predatory schools such as XXXX XXXX XXXX XXXX now qualified for forgiveness, discharge, and potential refunds. 

XX/XX/XXXX - Notification of loan servicer changing to MOHELA after XXXX closing. 

XX/XX/XXXX - Borrower Defense application approved. Part of the XXXX class of the XXXX XXXX XXXX settlement. Letter states that I am entitled to a full discharge of my direct federal student loans as well as a full refund of any and all payments made, including interest, by XX/XX/XXXX. 

XX/XX/XXXX - MOHELA sends an email about signing up for IDR repayments even though the loans are in the discharge process, and payments do not start up again until XXXX XXXX XXXX. They attempted to get me to sign up with this program via email and paper mail even though I was told by the FSA to make NO payments towards these loans. As of this date, no movement had occured on my loan forgiveness. 

XX/XX/XXXX- I received a letter from MOHELA saying my account was last due and it was too late to sign up for IDR. I called FSA and was told to contact my loan servicer. I called MOHELA only to be put on hold for XXXX hours before finally reaching a person ( their website couldn't provide any information ). I was informed that this was just a generic form letter and to ignore it. 

XX/XX/XXXX - Message sent to MOHELA in regards to the upcoming deadline as I still had an outstanding balance of nearly {$16000.00} of direct consolidated federal loans. Included a complaint about the long wait times and difficulty reaching customer service for answers. They said to expect a response in XXXX business days. 

XX/XX/XXXX - multiple calls made to MOHELA. I was on hold for an hour only to have all subsequent calls dropped. XXXX  days past the deadline for full resolution. 

XX/XX/XXXX - call made to MOHELA. Had to wait nearly an hour before reaching someone. I inquired about the status of the discharge only to be told it was " in progress '' and couldn't provide any more information. 

XX/XX/XXXX - message from MOHELA in regards to the phone call. But did not address the message I sent back in XXXX. I STILL HAVE NOT RECEIVED A RESPONSE TO THIS MESSAGE AS OF XX/XX/XXXX. 

XX/XX/XXXX - Loans are finally zeroed out on both MOHELA 's page and the FSA page. However I still have not received a refund for the discharged loans. 

XX/XX/XXXX - called MOHELA for an update only after waiting for XXXX XXXX to find out that their customer service hours changed and the call was disconnected. No information is available on the website in regards to the status of my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for 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 2024-04-12 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: ProCollect, Inc.
State: FL

Complaint narrative:
PROCOLLECT , INC XXXX XXXX XXXX XXXX XXXX Why is this account being reported with XXXX? different dates of last activity? Delete account for inaccurate reporting. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 
Please provide me with all the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
Please reply within 15 days or delete the negative items, as originally requested. 
Once you have finished my request, please send me an updated credit report reflecting my request.

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 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I attempted to use my card on XX/XX/24 in the morning as I normally do for breakfast for work and the transaction declined. The previous day my account was fine and I know that I have funds available. I tried to log into my application to view my account and it got a message stating that my account is blocked call customer service XXXX for assistance Mon-Fri XXXX. I checked my emails and text messages I did not get any messages or alerts from the bank why my account would be blocked. So when they finally opened I called customer service and was told an XXXX would call me they needed to confirm I have the correct phone number. None of this made sense. I am still waiting on a call. Another representative said that I need to come to a branch. At this time my work hours conflict with there business hours of operation. So I am left with no resolution at the time.

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 2024-04-12 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-04-12 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: GA

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor.

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

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 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
We attempted on XXXX separate occasions both on our own and using the company 's customer service to book a flight that was offered on their website using points and it would go through and then get cancelled. After XXXX different phone calls of at least an hour each we informed Citi that we would be purchasing the exact flight offered using cash and would expect Citi to credit our account with the dollar value of the points and then deduct the points from our account. They have refused to do this and recently offered us {$500.00} instead of the full amount of {$1200.00}. This is false advertising of the miles reward program.

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 2024-04-12 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: IL

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 2024-04-12 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: TX

Complaint narrative:
I am writing to express my deep frustration regarding the ongoing issue of fraudulent items appearing on my account. Despite numerous attempts and previous complaints, the problem persists, and I find this unacceptable. 

I have made several attempts to resolve this matter, including contacting your customer service department, submitting dispute forms. However, despite assurances that the issue would be rectified, I continue to encounter the same problem. 

This situation has caused significant inconvenience, stress, and financial burden for me. I expect a resolution to this matter immediately, including the removal of all fraudulent items from my account and appropriate measures to prevent similar incidents in the future. 

If this issue is not addressed satisfactorily, I will have no choice but to escalate this matter further, including seeking assistance from relevant consumer protection agencies and exploring legal options. With this, I am asking for your assisstance to remove these fraud items in my credit file. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$210.00} ; XXXX XXXX Balance : {$15000.00}.

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 2024-04-12 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to bring to your attention a matter regarding inaccuracies in my credit report maintained by Experian. Upon reviewing my credit report, I have noticed that my current address has not been updated and there are several outdated addresses listed. This discrepancy not only affects the accuracy of my credit profile but also raises concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( a ) ( 4 ).

Section 1681 ( a ) ( 4 ) of the FCRA mandates that consumer reporting agencies such as Experian must ensure the maximum possible accuracy of the information contained in consumer credit reports. This includes maintaining up-to-date and accurate information regarding consumers ' addresses. Failure to comply with this provision not only undermines the integrity of the credit reporting system but also infringes upon the rights of consumers. 

I want to emphasize that this is not the first time I have brought this issue to Experian 's attention. I have previously disputed these inaccuracies multiple times, yet the necessary updates have not been made. Experian 's persistent failure to address this matter in a timely manner is not only a violation of the FCRA but also a violation of my rights as a consumer. EXPERIAN REFUSES TO DO THEIR JOB! 

It is imperative that my current address is reflected accurately to ensure that I receive important financial notifications and correspondence in a timely manner. Additionally, outdated addresses may potentially lead to identity theft risks and could result in erroneous reporting on my credit file.

I kindly request that Experian take immediate action to update my address to the following : XXXX XXXX XXXX, XXXX, GA XXXX Furthermore, I request that ALL OUTDATED addresses be promptly removed from my credit report to ensure compliance with FCRA regulations. Please provide confirmation once these updates have been made. 

I trust that Experian will handle this matter with the utmost urgency and diligence to rectify the inaccuracies in my credit report. Your cooperation in resolving this issue promptly is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: CA

Complaint narrative:
XXXX, XXXX, & Equifax is reporting incorrect information listed on the account XXXX it has several inconsistencies which means this account has not been properly validated or verified. An account can not report 3 different ways. 

Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX -- Account Rating : Closed Paid Paid Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There are also several late payments that are reporting which is not correct this account was never late. These late payments should be immediately updated to paid as agreed. Each bureaus keeps redoing that it is verified but provides no evidence that they conducted a reasonable investigation because if they did the information would be provided to determine this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: CA

Complaint narrative:
XXXX, Experian, & XXXX is reporting incorrect information listed on the account XXXX it has several inconsistencies which means this account has not been properly validated or verified. An account can not report 3 different ways. 

Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX -- Account Rating : Closed Paid Paid Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There are also several late payments that are reporting which is not correct this account was never late. These late payments should be immediately updated to paid as agreed. Each bureaus keeps redoing that it is verified but provides no evidence that they conducted a reasonable investigation because if they did the information would be provided to determine this.

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 2024-04-12 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: GA

Complaint narrative:
XXXX XXXX  XXXX According to the IRS an unpaid Chargeoff is income and according to the FCRA income can not be reported on a credit report. Im requesting a 1099-C ( Cancellation of Debt ) from the following charged off account listed below XXXXXXXX XXXX XXXXXXXX After checking my most current report the updated information stated the account was purchased by another Lender. This account can not be reported as a charge off on my credit report if the account was sold to another lender. Please delete this account and send the 1099-C form

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX According to the IRS an unpaid Chargeoff is income and according to the FCRA income can not be reported on a credit report. Im requesting a 1099-C ( Cancellation of Debt ) from the following charged off account listed below XXXX XXXX XXXXXXXX After checking my most current report the updated information stated the account was purchased by another Lender. This account can not be reported as a charge off on my credit report if the account was sold to another lender. Please delete this account and send the 1099-C form

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
we filed dispute for auto service which they refused to fix it ( didnt fit but didnt receive any refund on that ) so we filed claim thru our bank boa, but claim denied.

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 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

Company response to consumer: Closed with non-monetary relief