vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 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: NY

Complaint narrative:
I received a bill last week from Mohela. I made a payment on XX/XX/2023 for XXXX. On XXXX I went to my account and it said that there are no payments due from XXXX to XXXX because I am in forbearance while they update my account. I called today XX/XX/2023 to get a refund. They confirmed I am in forbearance until after XXXX but they told me it takes XXXX  days to get a refund. I told her I dont understand how it will take XXXX  months to get a refund and her reply was we are behind and that's the process. She put the request through and we hung up.

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 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: NV

Complaint narrative:
This is yet another in a very long of complaints about these two companies in this regard. CFPB has not done their jobs by stepping in and mediating, enforcing fairness, law, and the FCRA. Several months ago, and as I've already reported here to CFPB ad nauseum, both Experian XXXX XXXX have lowered my score precipitously, by XXXX points & XXXX points respectively, without any wrongdoing on my part, and without explanation or rationale. Now, I expect the CFPB to defend me here by demanding that these XXXX companies restore the points that they've deducted from my score without reason to do so. Simple. I also demand a clear XXXX explanation from both companies as to why the did what they did, and not a pre-programmed or scripted rebuttal in response. Do your job. You're supposed to be working to counteract and defend against unscrupulous credit practices, and this is a glaring example of XXXX such practices. No, this is not involving a dispute. Restore my points 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 explanation
Consumer complaint received 2023-11-09 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: KY

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. 

Account Name : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Best Cuy Citi credit card to get a promotional interest-free purchase, which was paid off in full. Several months after that, I received a fraud alert for a transaction ( that was over {$10000.00} ) that occurred on my account that I did not authorize. After calling the company, they cancelled the transaction and the card and were to issue a new card. The new card had a fraudulent charge on it ( in another state ) prior to me even receiving the card. I called again and their customer service offered the same resolution of disputing the charge, cancelling the card, and issuing a new one. I received the new card, and a few weeks after that, the same issue happened again. There was another fraudulent charge on the account ( again in another state from me ), and again their customer service offered the same resolution. The fraudulent charges occur at least once a month ( sometimes more ), and they're not able to provide any resolution to prevent this other than constantly cancelling the card and issuing a new one. If I don't constantly monitor the account, this could result in huge charges that I am not authorizing.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
On approximately XXXX XXXX while reviewing my credit union credit report I found that there was a collection debt payment had been put on my credit report, in the amount of XXXX  XXXX 'm a victim of identity theft and have been working with the three major credit reporting companies to rectify and to restore my credit which to my surprise I've had some success but with this collection agency after writing a few letters the inaccurate information remains even after in my letters I gave them my correct address. But as of today, I have not received any response. I SAY ONCE AGAIN I'M A VICTIM OF IDENITITY THEFT AND THIS IS NOT MY DEBT!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: FIRST PORTFOLIO SERVICING INC
State: SD

Complaint narrative:
Total visa credit card has not help much on anything of my concerns, problems, then today I get notified my account was added to my credit report when the card was opened in XXXX of this year. Total Visa won't change their attitudes, mood towards me, helping, won't add my phone number to account. They think I need send a letter to XXXX XXXX address. Seems strange, most companies can update info thru passcodes, or email verification! I'm had My last string, so that's why I'm reporting them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: FL

Complaint narrative:
I have been on SAVE repayment plab for over XXXX month, which I was told would have interest waived, unfortunately this has not happened, instead have been accruing nearly XXXXXXXX XXXX interest per month 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 2023-11-09 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: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
On XX/XX/2023 an unauthorized hard inquiry was placed on my credit report by XXXX XXXX XXXX. I also noticed I had another unauthorized hard inquiry from CITIZENS BANK on XXXX when I was on the phone with them looking at my inquiries. These inquiries were not authorized by me and I would like to have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: CT

Complaint narrative:
I sent a dispute letter to XXXX XXXX  on XX/XX/XXXX  asking to 1 ) prove negative remarks reported on my credit report and IF proven true to make a goodwill adjustment and remove negative remarks. I received a corresponding letter dated XX/XX/XXXX  stating that " After reviewing our records, we find that we are unable to make any adjustments to your payment history ''. While I do understand that the creditor is under no obligation to grant a goodwill adjustment, XXXX failed to acknowledge my other requests with this response. 

I responded to this later on XX/XX/XXXX  ( mailed on XX/XX/XXXX  ) reiterating my original requests to 1 ) validate these late payments and 2 ) to provide me with written confirmation of the steps taken to investigate my dispute. Their initial vague and short response led me to believe that they did not taken my initial claim seriously and failed to validate said negative remarks AND did not follow through with providing me with written steps they took to investigate my claim. I have yet to receive any correspondence from them since my letter and therefore, I believe that my rights are being violated and my claim was not properly handled. I have attached ALL correspondence between XXXX and I since my initial dispute as well as the mail receipt of the final letter that was sent.

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 2023-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
" Venmo '' is a company that appears to be owned by " PayPal. '' The Venmo website states : " Venmo is a service of PayPal , Inc., a licensed provider of money transfer services ( NMLS ID : XXXX ). All money transmission is provided by PayPal , Inc. pursuant to PayPal , Inc.s licenses. XXXX  PayPal , Inc. '' Venmo is utilized by many people, especially small business owners, to receive money. One of these small business owners sent me their Venmo link, where I attempted to pay them. The Venmo app failed to work, and I contacted Venmo customer service. Instead of receiving help, my account was suspended and then frozen. This experience is commonplace amongst Venmo customers, according to countless online reviews. See here for some of those reviews XXXX XXXX XXXX XXXX I decided I wanted nothing to do with Venmo and demanded that Venmo permanently delete my account and all associated data. Venmo has not done so. I have multiple emails proving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: DISCOVER BANK
State: TX

Complaint narrative:
Was shock to find out that there is a open Discover credit card in my credit report this account is fraudulent never gave any one permission to open this account please remove from my credit report Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
We applied for a mortgage loan to buy a house through Citizens Bank in New York. My partner and I were given approval and all the terms were met and all the requirements submitted. We are about to close for the house and all of a sudden there's no movement on the application and there are no information from Citizens bank whats going on with the loan. We were given and approved for a rate and they just went radio silent. And the loan officer helping us can not give us answer. We feel like we being discriminated against. How can we get help for this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
Advantage is threatening default. Aidvantage was not authorized to change my repayment plan. Advantage is needlessly harassing me. My loans may be over the XXXX  year mark and ready for deletion. Aidvantage put me on hold over XXXX hour and did not pick up. Aidvantage needs to put me back on my prior repayment plan and send me detailed information on the date of my loans. Aidvantage needs to be held accountable for unauthorized changes to my student loan repayment plan.

Plus Student Federal Aid flat out refuses to let me log in to my Federal Student Account I have contacted them numerous times and got nowhere.

This is all student abuse and they both need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: GA

Complaint narrative:
Identity was stolen and I was informed to file a police report and provide it along with my documentation for dispute with the credit bureaus. It resulted in unauthorized inquiries in my name and fraudulent credit cards in my name as well. 

This police report was requested by the companies and the credit bureaus as a part of the dispute/investigation process. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-09 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: GA

Complaint narrative:
Identity was stolen and I was informed to file a police report and provide it along with my documentation for dispute with the credit bureaus. It resulted in unauthorized inquiries in my name and fraudulent credit cards in my name as well. 

This police report was requested by the companies and the credit bureaus as a part of the dispute/investigation process. 

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 ( REPORTING TO EXPERIAN )

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 2023-11-09 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: AZ

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Equifaxs gross negligence in investigating credit disputes. As a consumer, I have encountered severe issues with Equifaxs handling of disputes related to my credit report, leading to detrimental consequences on my financial well-being.

My experiences with Equifax have underscored a consistent failure to comply with federal laws, particularly the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit reporting agencies, such as Equifax, must conduct thorough and timely investigations into consumer disputes. Specific grievances include : 1. Failure to Verify Inaccurate Information : Despite raising concerns about inaccuracies on my credit report, Equifax consistently fails to verify the information in a timely manner. This failure has resulted in continued damage to my credit score and financial standing. 
2. Extended Response Times : Equifaxs investigations frequently exceed the stipulated 30-day timeframe as mandated by the FCRA. This delay has impacted my ability to secure credit, obtain loans, or make important financial decisions. 
3. Inadequate Communication : Equifaxs communication during the dispute process has been insufficient, leaving me in the dark about the status of my disputes and the actions taken. This lack of transparency compounds the frustration and confusion associated with the process. 
4. Repeated Neglect : My attempts to rectify these issues with Equifax have been met with inadequate responses, if any at all. Their negligence in addressing my concerns has further eroded my trust in the credit reporting system.

I believe that Equifaxs gross negligence in investigating credit disputes directly contravenes the FCRA and undermines the purpose of credit reporting agencies to provide accurate and reliable credit information to consumers and creditors alike.

I kindly request that the CFPB investigates these allegations against Equifax and takes appropriate action to ensure they adhere to federal laws and regulations. Moreover, I urge the CFPB to hold Equifax accountable for its failure to provide consumers with a fair, transparent, and efficient process for disputing credit information. 

The impact of Equifaxs negligence on my financial well-being is substantial, and I trust that the CFPB will take these concerns seriously to safeguard the rights of consumers like me. I would appreciate updates on the status of this complaint and any actions taken to address the issues raised herein.

Thank you for your attention to this matter and for your commitment to protecting consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Up until XX/XX/XXXX, my VA-backed mortgage and escrow with PENNYMAC was XXXX XXXX. In XX/XX/XXXX while I was XXXX, PENNYMAC claimed that all of my insurance ( condo, home owners and flood ) had expired and as fiduciary and lender, insured me in such a way that my mortgage and escrow ballooned to $ XXXX. I called them, objected to the outrageous amounts and was told that my monthly cost would continue to be at this high rate despite me showing that I had other insurance. I was overseas and outraged at this criminally usurious rate but could do little from where I was, out of the country. When I returned, I sent them my condo associations documents ( in which insurance is always in place given residents are the condo board where I live and have never let it lapse ), XXXX documents showing coverage of both my home and for floods and they took a long time to acknowledge all of them, much less process them. While PENNYMAC finally decided to acknowledge XXXX home owners insurance in early XX/XX/XXXX, they would not accept the XXXX flood insurance policy until XX/XX/XXXX despite XXXX willingness to cover me for home and flood simultaneously. In addition, they waited until just a few days ago this month to accept my condo associations insurance as well, trying to draw out their usurious monthly rate until XXXX and beyond. Despite my text messages showing they had all of this information in XXXX and could have lowered my monthly bill for mortgage and escrow back to {$4000.00}, they are still charging me the usurious rate of $ XXXX that I can ill afford. I am effectively being charged double for the same insurance with PENNYMAC pocketing the difference. To even pay them this added fee for insurance, I have had to stop paying into my XXXX ( the XXXX  ) for retirement. They should have a fiduciary responsibility to ensure I am covered, but not by seeing what else they can eke out of me and for how long. I am concerned that they will continue to charge me this {$4900.00} despite my showing proof of insurance in XXXX and beyond. I can not afford to continue to pay this high amount, fronting them $ XXXX and have a semblance of retirement on the horizon. I seek immediate relief and to have my insurance instituted and associated fees due and owing remitted to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
in accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX, 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 response to consumer: Closed with explanation