vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
My loan had been transferred to Mohela. I applied for PLSF. In XX/XX/, I called Mohela and spoke to them about receiving a reimbursement for the payments that I made during the COVID pause and for receiving credit for the payments that I made during an automatic forced in school deferment. I spoke to XXXX XXXX, c6007. I was told that the request would be processed and that it could take 60-90 days to be processed. I received a letter ( attached ) in mid XXXX stating that there was a correspondence processing delay. I continued to wait. I also applied for the SAVE program. I received confirmation at the end of XX/XX/ that I was accepted on the SAVE program and my payment would be approximately {$85.00} per month. I called back mid XXXX, again receiving mid XXXX a corresponding Processing Delay letter. Also in mid XXXX, I receive a letter about my payment terms and this letter states my payment is now over {$250.00}! I do not understand. 1 week later I was put into administrative forebearance, no reason why, no clear explanation. I called and never had the phone answered. So I emailed on XX/XX/XXXX. They told me to call in. I have been TRYING to call in. I am placed on hold, given the choice to hold or have a call back. I have done both and never answered nor received a call back. I received a letter on XX/XX/XXXX informing me that my loan payments would restart and they are back up to $ XXXX. I don't understand. I applied and was approved for SAVE. I have made well over XXXX payments for PSLF. I spoke with XXXX in XXXX and she said that my requests would be processed and it is over 90 days and nothing has been processed. I keep calling and just being placed on hold OR receiving no call back. This is ridiculous. I have earned to have my loans forgiven. I have earned my reimbursement for payments made during COVID. It is not my fault that the government keeps changing student loan providers, the providers have poor communication, are constantly giving false or inaccurate information. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act the accounts stated below has violated my rights XXXX XXXX XXXX XXXX  - Account # XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX 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.

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 2023-11-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act the accounts stated below has violated my rights : XX/XX/XXXXXXXX - Account # XXXX XXXX XXXX - Account # XXXXXX/XX/XXXXXXXX - Account # XXXX XXXX XXXX - Account # XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
These inquires need to be deleted off my credit report. I did not authorize these companies to run my credit therefore these inquiries are fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I was approved for a forbearance ( documents attached ). I have tried to contact NelNet via phone and email for over a week with hold times of an hour or more, never being able to speak to a customer service agent. As I type this I have been on hold for 35 minutes after calling right at XXXX with an estimated wait time of 2 minutes. 

NelNet is going to report my account 30 days late for a payment not being made in XX/XX/XXXX, but my forbearance letters ( attached ) say I do not have a payment due until XX/XX/XXXX. 

I have worked very hard on my credit over the years and my employment depends on having a healthy score. A 30-day late will destroy my report. There are no other options to contact NelNet and I have to work so I can't sit on hold for more than an hour which I'm sure is true for most people. I tried using the chat feature but it is only AI and was not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: PA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
On XX/XX/23 I was locked out of my Huntington bank account with no contact from the institution. I contacted them by phone in attempts to resolve the matter and they refused to assist me and referred me to a branch in person but I am without transportation and unable to make it into a location today due to their terrible hours and locations. I do not feel that they are meeting the needs of consumers they are supposed to be here to service and this is not the first issue XXXX or others have had. I have worked in the fraud department for another financial institution and know this is not how a business should operate and that there are other options or means of verification. I would like someone to complete a review of this business and ensure that they start treating the consumer correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Review the enclosed files. I request the bureau to initiate an inquiry into the accounts that consistently show me as tardy despite my punctual payments.

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 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Examine the attached documents. I urge the bureau to commence an examination into these accounts, as they consistently mark me as overdue despite my timely payments.

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 2023-11-16 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-16 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-16 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Didn't provide services promised — 
Company: MOHELA
State: WV

Complaint narrative:
I have been working with Mohela since XX/XX/XXXXXXXX  to get my student loans forgiven. They did not provide services as promised, ( but that is another story ). The issue I am most concerned about is that on XX/XX/XXXX, I was informed by them my 120 payment requirement was fulfilled and now I have a XXXX balance. My letter also said it could take up to 3 reporting cycles for the credit reporting agencies to be notified. It is now XX/XX/XXXX th, and my credit report still shows I owe on these loans. I have disputed this with the credit reporting agency, and nothing has changed. I actually received a higher interest rate on my Mortage and should not have because they had not reported this. Never the matter, I would just like this resolved and removed from my report. It is very difficult to get in touch with them. You have to stay on hold for over an hour and can never talk with a supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Take a look at the documents I've included. I'm requesting the bureau to begin looking into these accounts where I've consistently been on time, but they're marking me 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 2023-11-16 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: MS

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-11-16 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: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Examine the provided documents. I request that the credit bureau investigates the accounts attached, as I have not been late with payments despite the erroneous reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX  I made a claim through BOA 's claim system, and customer service line RE : an overpayment to Spirit Airlines for baggage. There were 2 amounts of {$45.00} charged to my account. I told the rep that I paid for my baggage online, and then had to pay for my baggage again when I got to the airport- quadruple payment ( there and back ). The payments made at the airport were with other forms of payment. I received a notification from BOA that I needed to submit supporting documentation that payment was made with another form of payment. These receipts were submitted on XX/XX/XXXX  for both requests on claim ID XXXX. BOA confirmed that they received the supporting documentation via their message center, and this was also confirmed with their CS rep. The CS rep informed me that the supporting documentation was received by BOA on XX/XX/XXXX  for both claims. On, or around XX/XX/XXXX I received notification from BOA that they had not received my supporting documentation, and therefore my claim would be closed. Additionally, BOA informed me that the credited {$45.00} would be withdrawn from my account because they did not receive supporting documentation. Subsequently, when I called BOA on or around XX/XX/XXXX, the CS rep informed me that my claim had been closed- a decision had been made on XX/XX/23 because they never received supporting documentation. This is contradictory because I received an automated message that my documentation had been received, and the CS rep also confirmed through a recorded conversation that my supporting documentation had been received for both claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Tuesday, XX/XX/XXXX, around noon, I deposited two cashier checks representing a substantial amount of money at the Truist Bank, XXXX branch. The teller placed a 10 day hold on my funds. However, I checked the payor bank and realized that they paid Truist on XX/XX/XXXX around XXXX XXXX  Eastern time. Truist is refusing to make my money available to me in violation of Regulations CC 229.10 Next-day availability. 

( v ) A cashier 's, certified, or teller 's check deposited ( A ) In an account held by a payee of the check ; ( B ) In person to an employee of the depositary bank ; and ( C ) With a special deposit slip or deposit envelope, if such slip or envelope is required by the depositary bank under paragraph ( c ) ( 3 ) of this section.

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 2023-11-16 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: OH

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2023-11-16 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: OH

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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