vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP
State: WA

Complaint narrative:
Due to a clerical error with coding my Social Security XXXX check stop coming in from XXXX to XXXX. I was unable to make timely payments on my Key Bank Credit Card. Key Bank called and harassed me with about 6 calls a day. When I finally got the back pay from Social Security I made two payments on my credit card ending in XXXX. The first payment was XX/XX/XXXX for {$440.00} which was the full past due amount. Then on XX/XX/XXXX I paid the card off and made a payment of {$1800.00}. I had previously had fraudulent charges on the account and had asked for it to be closed. They said they could not until it was paid off. This was about a year ago. I forgot all about that when paying this card off and stupidly gave them every dime I had to pay this off thinking I could use it again. 
So I paid the card off and then BOOM they immediately closed the card leaving me with nothing. Then to make matters worse they lied to the credit bureaus and made false claims when I disputed the amount owed on the card. I filed a dispute because I paid off the card. After the dispute was over they lied again and never updated or corrected that I had paid the card off. I also called Key Bank to reopen the card several times and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My card payment was due on XX/XX/XXXX. I paid in full on the XXXX. On the XXXX, I was charged {$51.00} plus change in interest despite my balance being paid in full on time. I called to have it removed and they tried to say it was residual interest. That is not correct. I already paid interest for last months balance so should not owe more now that the card is paid off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-26 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: PA

Complaint narrative:
My student loan servicer used to be XXXX however in XXXX of XXXX I received the following correspondence The U.S. Department of Education ( ED ) has transferred the customer service of your federal student loan account to MOHELA, another member of EDs federal loan servicer team. Your loans were not sold. 

This was after I had submitted my application to the student loan website for my annual income driven repayment plan and had received information from XXXX and XXXX XXXX XXXX XXXX XXXX in XXXX that that application was processed and accepted and my monthly payments would be {$760.00}. 

When I went to the MOHELA website in XXXX to set up payments the amount due was for $ XXXX and it was listed as my Pay as you earn amount which I did not apply for. The loan servicer also listed the following information which was incorrect : XXXX Pay As You Earn XXXX {$770.00} XX/XX/XXXX XXXX Pay As You Earn XXXX {$2300.00} XX/XX/XXXX XXXX Pay As You Earn XXXX {$1700.00} XX/XX/XXXX What is blatantly obvious about this information are the dates- I did not apply for nor did I make payments in XXXX as it was still under forbearance- in fact there are no records of any such application. The information listed here is inaccurate. I contacted MOHELA to have this corrected and I was told that I needed to contact student loan government website to have them resend the completed application. I did this and I was told by the student loan government website that they could not do so. 

I am now being told by MOHELA that I have to repeat the application all the while being responsible for that payment amount they have listed currently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: American First Finance, Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft and i received information that someone in XXXX XXXX has used my information with this company to obtain good that i have no knowledge of AMERICAN FIRST FINANCE is reporting on my credit report as a debt this is not my account and needs to be removed from the reporting bureaus asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 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: Nelnet, Inc.
State: DC

Complaint narrative:
On the XX/XX/XXXX deadline, I requested that my first auto payment be processed and applied to XX/XX/2023 rather than XX/XX/2023. I waited on the phone for several hours to process this request because an online request form was not available. After finally speaking to a representative, I received both verbal and email confirmation stating that my terms were officially updated and my first payment would be automatically processed and applied to XXXX. XXXX passed and a payment was never processed. XX/XX/XXXX was still listed as the first payment due date on the Nelnet website and my first payment did not automatically process until XX/XX/2023. 

On XX/XX/XXXX, I checked my bank to make sure that the XX/XX/XXXX payment processed successfully and I did not see anything pending, so I checked the Nelnet website and it said that the next payment was not going to be processed until XX/XX/2023. I checked pending charges and it said nothing was pending, not even for XXXX auto-payment ( I took photos ). I checked my balance and it said that the payment was overdue. I then went to the Dept of Education website where there was a notice that my payment was overdue. I then went back to Nelnet and processed a payment for the amount that should have processed in XXXX in the amount of {$1500.00} ( I took a video of this process in case Nelnet fails to process this ) to avoid Nelnet damaging my credit, but I am not concerned that Nelnet is going to try to process the XXXX payment at some point and overdraw my bank account. I never had this problem with Great Lakes in the XXXX years that I've been required to make student loan payments. I have always processed my payments on time and find this very stressful and potentially damaging to one 's finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I noticed my credit report with Bridgecrest was incorrect. They have an incorrect monthly balance since I opened the account showing {$490.00}. It should be {$460.00}. They also have not updated all my payments Ive made with the credit bureau. I told them to do this multiple times XX/XX/2024. Still not done.

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 2023-11-26 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: MD

Complaint narrative:
I was made aware of a collection account on my Experian credit report showing an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. First and foremost, I was never sent a notice to my physical address before they sent it to collections which is a violation. I was applying for a house in the middle of the year when I was made aware. I sent verification letters to XXXX XXXX XXXX as well as a validation letter to Experian on XXXX certified USPS. I also sent another letter to Experian on XXXX to dispute inaccurate information from XXXX XXXX XXXX as it was showing all kinds of different data on my other reports from the other XXXX agencies. 
XXXX ) Experian is reporting no high balance while the other XXXX credit agencies are reporting a high balance. 
XXXX ) Experian is not reporting a Date of XXXX of XX/XX/2019 while the other XXXX agencies are reporting which is a violation XXXX ) Experian is reporting a term length of 1 month as if this was a loan whereas companies with agreements with the owner are legally bound to report loan terms and this is a violation. 
XXXX ) Experian is reporting XXXX XXXX XXXX as a ( XXXX XXXX ) which is inaccurate and incorrect as this collection agency can not report an account as open as I do not have a contract/loan with them. 
Per the Fair Credit Reporting Act Section 611 any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation.

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 2023-11-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: GA

Complaint narrative:
USAuto went out of business then a company called westlake have been calling threatening to take my car Im driving a XXXX XXXXXXXX XXXX I have never sign any paperwork with this company they calls me 7 days a week for payment I have had the car for XXXX years and they asking me to pay almost XXXX for the car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: PA

Complaint narrative:
Cash app has been an issue for me for quite a while in regards to an old account that I am the owner of but unable to access due to outdated and expired information needed to verify. 
I have an old account with cash app tag ( XXXX XXXXXXXX ), and when I XXXX in XXXX of this year, several people cash apped me to this old account. I have tried numerous of times to get answers on why I can not access my cash app funds. The phone number I had when I opened this old cash app account is on my public record as me being the owner. i however, have gotten a new number and have had the same number as of now ending in XXXX for the past 6 years. The phone number they have on record is XXXX. Cash app also wants to verify you using an expired credit card used to originally link the account which after 6 years has been expired/ and lost and wouldnt have that information. I have given Cash app my full name, and gave them the old number I used to have, but can not verify the debit card with the first XXXX digits they are requesting from me. I think its crazy. I have offered to submit my ID and also other information to verify it is me. Clearly the linked bank card they have has to have an address that is mine that is associated with my old and new account. My current account is XXXX XXXXXXXX. I would like my funds that are in the old account ( XXXX XXXX ) to be transferred to my new and current account. I have had the person call cash app who sent money to my old account and due to security reasons couldn't disclose information to them, and advised I call in. Which I have and even was on XXXX with cash app to verify each party. I still havent had my money refunded, nor was the account totally closed because the person who sent money even canceled it on their end, and was told after 10 days the money would be refunded. That still hasn't happened. I would like my money to be deposited into my new cash app. I know of at least XXXX dollars in the old XXXX XXXX account. The transaction id is # XXXX and the sender was XXXX XXXX with cash app tag XXXX XXXXXXXX. This was sent on my XXXX XXXX XXXX XXXX XXXX XXXX to my old cash app tag stated. The email I got as confirmation and even tried to verify with Cash app my email associated with the old cash app which is ( XXXX ). So I want my money immediately, as I have waited long enough. Spoke to several managers at Cash app with no resolution. Its unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I see inquiries that I did not make and I'm trying to dispute them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
After checking my credit report with XXXX, XXXX and XXXX I noticed that, LexisNexis a company I had no ideal about, has been reporting inaccurate information to the Bureaus regarding XXXX XXXX XXXX XXXX  Bankruptcy and a few other incorrect information such as the spelling of my name, address etc.. I disputed this information. On XXXX XXXX LexisNexis sent me a notification stating that the information is unverifiable or accurate. The dispute notification does no provided in detail what information was investigated. On XX/XX/2023 I opt-out the sharing of my information. XX/XX/2023 I received a update regarding reinvestigation, again LexisNexis states all information has been verified. XX/XX/2023 I disputed the inaccurate information on my Credit Report again, I also reached out to XXXX and the Federal Court regarding the Bankruptcy. The letters from the courts has been provided to LexisNexis, no response. LexisNexis has violated my privacy right and inaccurately gathered my personal information and sold to the Bureau for there own personal gain even after I Opted-out of sharing. I have contacted LexisNexis several time about this matter and was told that, XXXX XXXX has the option to decide what consumer information is permissible to sale/share without the consumer consent. The inaccurate reporting has cause a great amount of suffering for me and my family. I request this inaccurate reporting by LexisNexis be removed ASAP. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 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: GA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 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: MD

Complaint narrative:
I was made aware of a collection account on my Transunion credit report showing an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. First and foremost, I was never sent a notice to my physical address before they sent it to collections which is a violation. I was applying for a house in the middle of the year when I was made aware. I sent verification letters to XXXX XXXX XXXX as well as a validation letter to Transunion on XXXX certified XXXX. I also sent another letter to Transunion on XXXX to dispute inaccurate information from XXXX XXXX XXXX as it was showing all kinds of different data on my other reports from the other XXXX agencies. 
1 ) Transunion is reporting a high balance while the other XXXX credit agencies are reporting no high balance. 
2 ) Transunion is not reporting a Date of Delinquency of XX/XX/2019 while the other XXXX agencies are reporting which is a violation 3 ) Transunion is reporting XXXX XXXX XXXX as a ( Open Account ) which is incorrect as this collection agency can not report an account as open as I do not have a contract/loan with them. 
Per the Fair Credit Reporting Act Section 611 any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation.

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 2023-11-26 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: MN

Complaint narrative:
My loans are supposed to be on administrative forbearance while my discharge is being processed for the Sweet vs. Cardona settlement. The student aid website shows my discharge is still being processed. My student loan account with MOHELA was recently removed from administrative forbearance. This is a violation of the settlement terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On Tuesday, XX/XX/23, I received an email from a credit monitoring service indicating that an inquiry had been detected on my credit report. Immediately thereafter I received a " Welcome '' email from JetBlue airlines. Suspecting fraud, I called Barclay, the company which issues Jetblue cards, and it confirmed that a credit card had just been opened in my name. The identity thieves used my real, current email address, date of birth, social security number, my former mailing address and my former phone number in the fraudulent application which was submitted through a link on the JetBlue flight booking site. I requested that the account be closed and the unauthorized inquiry be removed, however, Barclay refuses to remove the inquiry from my credit report per a XX/XX/23 letter. The XXXX police report associated with this incident is 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 2023-11-26 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: MA

Complaint narrative:
Someone has attempted to fraudulently use my social security number open credit card accounts without my knowledge or consent. I kindly request that all credit bureaus take immediate action to remove all inquiries associated with these fraudulent attempts. All XXXX credit bureaus- please scroll and look for your company 's inquiries. 

XXXX -- -- -- -- - XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX TRANSUNION -- -- -- -- - XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX  ( XXXX XXXX XXXXXX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX  ( XXXX ) XX/XX/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 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 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

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