vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I, XXXX XXXX, am verifying that I, XXXX XXXX am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything 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 2023-10-04 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: Nelnet, Inc.
State: MI

Complaint narrative:
I have attempted to contact my loan servicer via phone every day for the past two weeks. XXXX, XX/XX/XXXX, I have now been on hold for XXXX hours and XXXX minutes. No one has talked to me. I need a status of my XXXX plan application and payment amount. The website does not provide this information. It says I will receive an email with information on my application every 10 days. The last email I received was on XX/XX/XXXX, nothing since then. How can I resume payments when I have no idea whats going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I received a message from Nelnet stating the following : " As you requested, we applied or updated an Income-Driven Repayment Plan for your qualifying student loans. 
Account : XXXX Dear XXXX, Were reaching out to you because : 1. Your qualifying federal student loans have been placed on an income-driven repayment ( IDR ) plan as you requested, or 2. The U.S. Department of Education has directed Nelnet to recalculate your monthly payment amount because your current IDR plan has been changed to the new Saving on a Valuable Education ( SAVE ) IDR plan. The SAVE Plan replaces the existing Revised Pay As You Earn ( REPAYE ) plan. 
Your New Payment Amount and Due Date Your monthly payment amount for your qualifying loans will be {$240.00} For up to 12 months Beginning on XX/XX/XXXX '' ___________________________ As of today, when trying to set up automatic payments from a direct deposit ( to receive the interest rate decrease ), my payment is listed as {$1600.00}. I have no ability to modify this payment, and therefore can't set up an automatic payment. Because of this, I am unable to receive the interest rate decrease benefit. Additionally, Nelnet is indicating that I have no payment due until XX/XX/XXXX. 

I have contacted Nelnet multiple times and have waited on hold for close to 18 hours over 4 calls. No representative can tell me why this is occurring or if it will be fixed. No escalation has occurred, no changes have been made, and their customer service is utterly and completely unhelpful.. 

So, I am stuck making manual payments and distributing the payments by hand across my 11 loans to pay for the interest across each and the principal on higher interest rate loans. And, I am doing this without receiving any benefit from the interest rate decrease. I would like to pay my loans off and this servicer is incapable of allowing me to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
XXXX has no written instructions to furnish a report on my behalf and is actively committing identify theft

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 2023-10-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/, a company called Westlake Financial ( Portfolio ) repossessed my vehicle without providing me with any prior information or an order. I protested against the repossession of my vehicle as I have requested information from this company since they took over from the original lender. Westlake claimed I missed a payment after taking over my loan. Despite presenting payment information, they requested more without resolving the issue. The repo man was disgusting in his behavior even pulling off with me still physically attached to my vehicle. I must now go to the XXXX  to have myself examined due to my injured XXXX  XXXX. He called Police Officers who threatened to arrest me for a civil matter when the man responsible for repossessing my vehicle was the one who was breaching the peace. The Officer stated that if I did not get out of the vehicle, I would be making matters worse for myself. I was publicly humiliated by this company and their repo company for an issue they deliberately neglected. It seems like they acquired my previous lender and are going to any lengths to recover their investment by unlawfully repossessing as many vehicles as possible. The repo driver told me that he had confiscated several vehicles for this company this week. He said that we, as the victims, should file a class action lawsuit.

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 2023-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: GA

Complaint narrative:
I applied for the XXXX plan via the XXXX website in early XXXX. The XXXX website says my application has been processed by EdFinancial, but I have received no information regarding my application or its status by EdFinancial. I have called multiple times and left my number for a call back, but EdFinancial does not call back or pick up the phone. Their online chat feature is also unavailable. I am not the only person having this issue. It is unacceptable that we are expected to pay incorrect amounts of money to EdFinancial when they are unwilling to respond to any form of communication. I should not have to pay incorrect amounts solely because they will not answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I am sending this second complaint against Specialized Loan Servicing ( SLS ). 
Specialized Loan Servicing continues to move forward with the scheduled XXXX sale date. I have requested several pieces of information and sent the Notice of XXXX regarding the errors that have taken place on my account regarding the handling of my Mortgage Assistance application. The Qualified Written Response requests information that I believe is not accurate. 
I have requested the cancellation of the XXXX  sale date as all the above items are outstanding and in question. In addition, I have a ratified sales contract to purchase my home! `o I have received nothing!!! Specialized Loan Servicing continues to disregard requests and move forward with complete autonomy. Adhering to no request and ignoring federal guidelines and procedures.

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 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been charged excessive overdraft fees from Chase bank. I have the overdraft protection where I am not supposed to be able to be overdrafted. However, I still have charges that overdraft my account and than the bank charges me {$34.00} overdraft fees. I have tried to have this resolved but the bank refuses to refund my overdraft fees. I was charged a {$34.00} overdraft fee on XX/XX/23 and on XX/XX/23. Again I have overdraft protection so should not be allowed to overdraft or be charged these excessive fees. I did not consent to this overdraft fees. I would like them waived and refunded to my account immeditately. These are bank errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: LA

Complaint narrative:
one day I saw that I lost XXXX points on my XXXX account a debt collector Firstpoint Coll RESO trying to collect on a debt that I do not owe them nor do I have a valid written contract agreement with a wet ink signature I am a natural man, I am a living human being, under 15 U.S.C.1692g it's no validation of debt that's one of the violations also another violation is 15 U.S.C.1692e false an misleading representation breaking these laws under FDCPA as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. They took adverse action against me and reported a collection to the credit bureau Section 808 ( 1 ) of the Fair Debt Collection Practices Act and Regulation F prohibit debt collectors from charging consumers pay-to-pay fees ( also known as convenience fees ) for making payments a particular way, such as by telephone or online unless those fees are expressly authorized by the underlying agreement or are affirmatively permitted by law 15 U.S. Code 1692f - Unfair practices, a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : This false entry has caused my credit score to plummet close to XXXX XXXX I reached out to the collection agency and was advised that they would look into the duplicate payment nothing happened this caused a negative impact on my finances and life leaving me with higher interest rates and denied an extension of my credit which caused an adverse action under the law I have rights under 15 USC 1681A ( K ) 1

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
I made a payment in XXXX towards XXXX XXXX bill. Im unsure if they didnt receive the payment but it states in XXXX I had a late payment which is incorrect this was the only late payment I account. I always pay all my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I put in an application 4 business days ago, when I was contacted they asked for more information, but could not give any information about the status of application. 

When I asked the agent who specifically told me they were the loan officer for their NMLS # in order to confirm who they were, they refused. I was asking for the information because the call seemed off. 

The person went back and forth and wouldn't give me any info on the company or status to withdraw the application. 

They wouldn't withdraw my application. 

I asked for a supervisor and was hung up on. 

Agent on the phone was named " XXXX '' phone number called from was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a pre-approval letter for an auto loan from Navy Federal Credit Union, which I believed to be a genuine offer. Excited to secure a vehicle, I diligently completed the necessary paperwork and received the approved loan amount. 

I provided the loan approval details to this dealership and entrusted them with the funds. Regrettably, this dealership turned out to be a scam, and I never received the car I intended to purchase. Ive been dealing with this dealership and specifically a sales consultant by the name of XXXX XXXX claimed that he was a representative the handles loans and he will take care of your check to send to the dealer not knowing he was going to steal the auto loan money for his personal use. Either the dealership or the consultant signed my check! That is not my signature and I have proof. Once I tried confronting him he threatened me and caused defamation of character. 

Ive found out the dealerships info No Horsing Around Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX United States Consulting Agent info XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Tx XXXX Navy Accounts e-Checking - XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian refuses to remove negative information even after I submitted Identity Theft Report by FTC and a local police filed with the XXXX XXXX  XXXX. They say the information was verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is impossible because I didn't send the theft reports until XX/XX/XXXX. They are saying the information was verified by Address Identification number XXXX but that address Identification number isn't on my credit report. They sent me a generic mailing stating that they couldn't block the information because they need a valid identity theft report which was mailed on XX/XX/XXXX and received on XX/XX/XXXX. The mail receipt and return receipt are attached. These are the accounts in question. 
XXXX XXXX  ACCOUNT BEGINNING IN XXXX - {$96000.00} XXXX XXXX ACCOUNT BEGINNING IN XXXX - {$19000.00} XXXX ACCOUNT XXXX {$72000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXXXXXX XXXX  XXXX - {$69000.00}

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 explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

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 explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: 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 explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Westlake Services, LLC
State: TX

Complaint narrative:
After I filed a complaint against them with DMV complaint center XXXX XXXX is taking care of my case he is investigation officer from Texas DMV, he recommended me to file a complaint with you guys because it's a fraud case for credit bureau, please read my entire email, the dealership ( motor world licence number XXXX  XXXX ) sold me a car back in XXXX XXXX  never filed the tax, in XXXX asked me to return the car because there was some issue with the title ( they said ) and promised me to refund my money but when I got there they denied instead refund me they forcely sold me this second car, and never removed the first from my credit that effected my credit badly, and for the second car he sold me back in XX/XX/XXXX never gave me the tags till XX/XX/XXXX was keep saying they have filed the tags it's from DMV making delays, I been to DMV 2 times they said it was filed once and declined right away because the dealer put wrong info about the or no car exists with that VIN, they manager of DMV asked me to file a complaint against this dealership because it seems fraud because these dealerships sells one car twice the title they put in title loan companies to borrow money and physical car they sells to the customers which makes forever to get the tags the story was revealed by DMV, so when I filed a complaint online and XXXX XXXX start investigating and reached to the dealership he immediately agreed to refund me, once I got to the dealership at about XXXX XXXX  back on XX/XX/XXXX he started playing again XXXX XXXX is witnessed of all situation, then by XXXXXXXX XXXX his DAD came up with tags, my request is to take action against this dealership and also please help me to return the car and get my refund it's a fraud and miss use of clients credit thanks, they never removed first car from my account damaged my credit until DMV started investigating it, and credit went on repo please help thanks Sent from XXXX XXXX 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 2023-10-04 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MoneyLion Inc.
State: VA

Complaint narrative:
i have pulled my credit because i am in the process of buying new home and i have reports on my account that are inaccurate. I am not liable for this debt of {$2900.00} with XXXX XXXX XXXX XXXX, Account number XXXX. i do not have a contract with XXXX XXXX XXXX XXXX. i am also not liable for the debt of {$8600.00} with XXXX XXXX XXXX, Account number XXXX, i do not have a contract with this company. i am not liable for the debt of {$490.00} with MONEYLION INC, Account number XXXX, i also do not have a contract with this company. i am not liable for the collection account XXXX XXXX XXXX XXXX, account number XXXX a debt of {$470.00}, i have never had an account with this company. Per pursuant to 18 usc 8, i owe no debt, these company 's are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company also has no permission to report anything using my info pursuant to 15 usc 1681 4.According to these consumer laws there should not be any damages to my report. These company 's have not provided me with the description of the procedure used to determine false accuracy, they have also not provided me with the original contact as i requested with my wet signature and ID verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation