vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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: MOHELA
State: WA

Complaint narrative:
I called to get my full loan amount as I had been saving money, transferred it all to my bank account, and was ready to pay off my loan ( yay! ) Mohelo said they had just started a transfer of my loan to XXXX. They advised that they can not tell me my full loan amount to payoff and that I should wait 90 days to pay XXXX instead. They clarified at my questioning that I would be accruing interest over the 90 days it will take to transfer my loan over. 

The advised the risk of paying off my loan now is that since it is not the full amount I will still have loan due to XXXX in the future. 

I did opt to pay the XX/XX/XXXX ( yesterday ) payoff amount that I can see on the website. I anticipate that this may cause problems moving forward. 

I am financially literate and am VERY concerned that this is the advice they are giving people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: NJ

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-14 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: NJ

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-14 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: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
I am writing to formally file a complaint against CreditFresh regarding the predatory nature of the loan I have with them. I have experienced several issues and concerns that need immediate attention. 

On XX/XX/, I contacted CreditFresh via email to address multiple issues with my account. Despite my efforts to make an additional payment to my account, the payment button was grayed out, preventing me from doing so. This has been ongoing for over a week. Consequently, my balance has increased even though I have not missed any payments in the 6 months I have had the loan. I also expressed my intention to make a significant payment to reduce my loan balance, but due to their system being down, I could not do so. I requested that I not be charged interest for this period. 

Additionally, I noticed that a significant portion of my payments is going towards fees rather than the principal amount. Out of a {$140.00} payment, only {$28.00} goes towards the principal, which is unacceptable. This breakdown was confirmed by a representative from CreditFresh, who stated that my minimum payment of approximately {$160.00} includes {$140.00} in billing cycle fees and only {$23.00} towards the principal. This practice is not only unreasonable but also indicative of a predatory lending scheme. 

Furthermore, I have been unable to change my auto payment method to a different bank account due to their restrictive policies. Despite providing the necessary documentation and verification, my account remains under review, limiting my ability to manage my payments effectively. 

The responses from CreditFresh have been inadequate and fail to address the core issues. Their customer service representatives have informed me that my account is under review and that I need to provide additional documents to verify my identity and address, which I have done. However, the restrictions on my account remain, and my concerns about the loan structure and payment allocation have not been resolved. 

I am requesting a thorough investigation into these practices and immediate action to rectify the situation. The allocation of payments towards fees rather than the principal is not only unjust but also places an undue financial burden on me. 

Please find attached the email correspondence with CreditFresh for your reference. 

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

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The account is already reported to credit bureau as closed as of XX/XX/XXXX. However capital one says account still opened and balance. There was a discrepancy on the behalf of capital one. Accounts are paid and closed with XXXX balance to all credit bureaus as of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
As a financial institution in the United States of America, Citibank does not have adequate fraud monitoring detection services. Beginning XX/XX/year>, various fraudulent transactions began for account holder XXXX XXXX ( for where I am the beneficiary ), that does not make sense. For example : ( 1 ) 9 times the usual savings to checking transfers via a customer call center transfer when all transactions had historically been transferrred via the local branch ATM machine.

( 2 ) Student loan payments began being paid when the account holder is XXXX XXXX XXXX. 

( XXXX ) Credit card payments were being paid off in excess when the account holder had never signed up for credit cards. 

Not only did the bank did not look into the disputed financial transaction ( which I am working on ), they failed to acknowledge any wrong doings on their own end.

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 2024-05-14 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: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-14 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: OR

Complaint narrative:
These are not my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They need to be removed from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I have been with this company for years and every time I call to get information, the information differs. I never get communication at all, email or mail, even though they say they send the information, including billing statements and loan details. When I called XX/XX/24 to discuss lowering my monthly payment, they told me to go refinance with another company because they won't/ca n't do anything else. I can't refinance because the balance is too high and the interest rate I have with them is lower than anyone else, yet the payments are still too high. They don't seem to care about me as a person. They inherited me from XXXX XXXX and it has been a pain in the rear ever since day XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX  account number : 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 non-monetary relief
Consumer complaint received 2024-05-14 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX  account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX account number : 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 2024-05-14 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: FL

Complaint narrative:
I am currently experiencing significant challenges with TransUnions handling of my credit report, characterized by multiple inaccuracies and non-compliance with the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve these issues directly with TransUnion, the inaccuracies persist, impacting my financial standing. 

1. Incorrect Personal Information : Employment should be confirmed as XXXX XXXX. 
Address should be updated to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Phone number should be updated to ( XXXX XXXX XXXX 

2. Misreported Accounts XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX are incorrectly listed and need removal. 
XXXX XXXX XXXX XXXX is incorrectly marked as in collection ; it is paid and should be reported as open. 
XXXX XXXX XXXX XXXX XXXX XXXX wrongly reported as closed with late payments ; it should be reported as open and current. 

3. Unauthorized Inquiries : Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were not authorized by me and should be removed.

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 2024-05-14 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: FL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-05-14 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On Saturday, XX/XX/XXXX I was sent an email telling me that my UAS XXXX account was 60 days past due. Since XX/XX/XXXX, I have sent {$170.00} every XXXX of the month, occasionally throwing in an XXXX XXXX  or so if my monthly budget allowed. 

I have been consistent with my payments and on XX/XX/XXXX, my monthly payment was increased to {$400.00}. I spoke with a lending XXXX via email and they explained that as long as I continued making payments that my account would not become a delinquent account. 

Since XX/XX/XXXX it has been a tug of war with them and the credit bureaus. They would report specifically to XXXX that I had not been making any payments thus lowering my credit score significantly. 
I tried getting into contact with a loan officer again in an attempt to renegotiate my payment plan and the only offer they gave me was three month forbearance. I explained to them that I can pay up to {$200.00} and it wouldn't make sense to apply for forbearance because I would not realistically be able to make {$400.00} in as little as three months. They told me they couldn't do anything because that is all XXXX offers.

I asked for a number to speak directly to a XXXX XXXX  and I was sent to the website where I originally applied to the loan. There was no number to contact only a chat bot. When speaking with the chat bot about lowering my monthly payment, they directed me to a debt collection company called XXXX XXXX. 

I explained to the XXXX XXXX operator that I intend on paying the loan but needed some sort of repayment plan and she spoke about another " forbearance program '' but refused to provide a link to apply to it and instead asked me to pay {$86.00} in order to start the " application process ''. 

So after three hours on the phone I am left in the same place as before. XXXX XXXX has another link that leads me to XXXX XXXX. I have no idea if these companies are even linked to XXXX XXXX boasts a collaboration with students who can not repay their loans but are misleading in their attempts to negotiate in any other form than an extremely temporary solution that is provided by a third party they do not openly disclose on their website. 

I just want to pay off my student loans without them throttling my credit score and affecting other financial aspects of my life. This practice is confusing and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rubin & Rothman, LLC
State: NJ

Complaint narrative:
My wife and was purchase engagement ring at XXXX XXXX and we thought the financing was a loan and when we started paying for the ring the jeweler the rep at the store said they couldn't receive a payment and I told them my husband has been paying at the store and this credit card company said we were supposed to pay them and we never received a credit card associated with this purchase. My husband went to the store and paid for the ring and they even discounted the sale of the ring because they understood that XXXX XXXX XXXX XXXX XXXX XXXX  and was unable to pay for the ring until a couple months ago. much to our surprise I received two large envelops from a law firm/collection from NY claiming we owed {$1800.00}. There is no verification that this is even my debt. there is no contract with my signature, the information is inaccurate and a lot of pages redacted which proves nothing even related to me. I see they are trying to file the motion to enter default judgement which is a tactic used by law firm that are debt collection agencies do and try to get the judge to sign these judgements hoping the people they file these motions against never respond. This letter is the first of me seeing anything of this accusation of debt.

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 2024-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: FL

Complaint narrative:
I called the company because they add in fees that wasnt expected and they said they would call me with a settlement agreement and they never did

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received an inquiry in my credit card that new accounts were opened in my name from capital one and syncb/amazon card XXXX I contacted all the credit unions to dispute them. I with an experience fraud dept agent were on conference calls where they said that they have marked the accounts as fradulent and they will send me a resolution letter when their investigation is done. I did not receive anything yet. The hard pulls resulted in a XXXX point drop. XXXX asked me to file and get a letter using reportfraud.ftc.gov and that website led me here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : DISCOVERBANK account number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Phishing attempt, from claiming to be Bank Of America. A text message was sent to my cell phone : From : XXXX Reads as : BankOfAmerica : You tried to add " XXXX XXXX '' as a mobile recipient on XXXX XXXX XXXX If this wasn't you, please cancel at the following link XXXX 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 2024-05-14 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:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: AZ

Complaint narrative:
Hello, I have an account with Juno Financial, who has claimed XXXX is holding all funds for all of their clients. XXXX claims XXXX is responsible. I only know I can not access my funds for the past week and everyone is pointing fingers. 

My account number is : XXXX The routing number is : XXXX The balance is : {$760.00} This may not be a lot of money to many people, but it's my paycheck. How do I obtain my funds? Juno & XXXX have said this was done without notice.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 non-monetary relief