vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 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: EQUIFAX, INC.
State: TX

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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MA

Complaint narrative:
Account # XXXX I was trying multiple times to ask Mohela why it took so long ( more than 3 months ) to approve the request for changing payment plan to XXXX  plan ; so far no response. The agents told me that there was a technical issue that prevent the reviewer to realize I submitted the plan back in XXXX so they had to renew that request. As a result, my accrued interest YTD is {$3200.00}. 

Please expedite the process of approving my request as it is too late now and also waive that minus {$700.00} because had I been approved the plan timely and made the payments above those remaining interest had been waived. This is the fault of Mohela and they should rectify to protect my rights. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I check the free annual credit report site from time to time in order to monitor my credit, as is my right, and my XXXX and XXXX accounts show up with no issue. However, the last few times I have tried to obtain the Experian reporting of my information, I get a vague message that a condition exists that prevent them from sharing that with me over the web, that I must write them to obtain the information. I dont understand the point of this. The other two agencies dont have conditions of this sort pertaining to my account. When Im checking my credit, I like to have the information readily available, not wait a number of days for a letter to go through or waste more postage on stamps to obtain something that should be freely available. I have obtained these reports a number of times over the years and in the past, the Experian information was available when I checked and there was no condition. Id like to see this condition resolved and be able to access my Experian reporting the same way I access the other two agencies.

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 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Comerica
State: WI

Complaint narrative:
Hi CFPB I would like to remain anonymous and you may republish this if I can remain 100 % anonymous in my complaint direct Express The Direct Express Debit XXXXasterCard is issued by Comerica Bank has stolen thousands of dollars from me maybe four or five they've been stealing from me from the past years now I also have them on tape with XXXX in XXXX saying they were giving me all my money back they lied about that they also told her to hire department of XXXX that they also took {$500.00} for me XXXX said they did no such thing there was never any purchases for {$500.00} nor did I ever use {$500.00} on the card they were talking about to make any purchases direct Express also told me about 2 years ago that someone stole money from me and something about a XXXX come to find out I contact the company XXXX they said that was not true they haven't had the card on file they never had it in their company website or what do you do billing to say someone is using this car for this then the other they have no record on the car they told me to call my financial institution which I did they told me they would give me money back which they put on the card then took it back like the supervisor saying less than five minutes she said we owe you that money I don't know why they took it back to this day over XXXX to XXXX dollars back so they've been stealing money I have numerous recordings proven that they have been stealing money for me even in their own words lying to me supervisors on tape and people also confirming that I never got a sent back I have plenty of recordings on these people all they do is still people money and leave them high and dry I looked on the XXXX  website and see if anyone else is experienced this and other websites have popped up comera bank and direct Express is still in the consumer money please help I do have numerous recordings even the one from XXXX were supervisor even lie and said I was getting my money back even with the people on the phone department XXXX they literally told them they gave all this money back to me and direct Express their own okay we don't have it the multiple people saying no we gave money back a multiple people also confirmed they never took any money off my card I also have direct Express on tape lying about money lying when I will get money told me they were holding money never released it on take telling me all the system is just saying you have one amount but don't believe the system you have more I said I have to go with the system saying because why would the system say I have less if I have more that doesn't make any sense but to make this very very long horrible stressful situation short that's just a little of the breakdown someone please help me thank you so much and have a nice day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
XXXXXXXX credit 's online system informed be that I had a payment scheduled. 

There was an error of some sort. 

Subsequently, XXXX  credit reported my account as delinquent.

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 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have business checking account with Truist Bank. A charge on my debit card for {$25.00} was presented on XX/XX/23 and the account had insufficient funds to pay the transaction. Truist paid the transaction and charged me an overdraft fee of {$36.00}. The account is then negative and another charge for {$15.00} was presented via a debit card transaction and this transaction was paid and I was charged another {$36.00} fee. I spoke with a representative that advised that when I opened the account it was a part of the agreement I signed. I requested a copy of the signed agreement, and they advised me it was on the document center. I was unable to obtain a copy of the signed document there. I was never told at account opening that debit card transactions would be approved with funds not available.

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 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XX/XX/XXXX  I paid a company for service when the service was not provided. I requested my funds back the company ignored my calls and ignored my emails. I reached out to my financial institution for support and assistance, and retaining my money back they asked me for information which I provided denied the claim, stating that the information I provided was not sufficient enough. The information I provided is all of the information that I have they told me to log back in and resubmit my complaint. I asked them once I resubmit my complaint what information can I furnish to them because the information I furnished the first time is the only information that I have available. The information that I submitted was a email conversation requesting my funds back, and why I was requesting my funds back I also submitted the information on the question that was asked what service was supposed to be provided that was not provided to me, the representative was rude told me he does not know what to tell me and told me the best he can tell me is to just resubmit it with the information that I have. When I asked him, would that get me denied again? He said it possibly could. After logging into my Navy Federal account. I went to search the original dispute submitted and I could not find it. I did however, find a message where they asked me to submit a second review.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have sent letters to XXXX, Transunion and XXXX on separate occasions most recently being XX/XX/XXXX. ( certified mail ) disputing falsely derogatory information furnished by these agencies without my written instructions. 

It was expressed to XXXX, XXXX and Transunion that according to 15 USC 1681s-2. that I have a right to privacy ( under FCRA ). Furthermore, 15 USC 6801 ( a ) ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 


There are accounts with numerous late payments and reported charge offs and I have requested these statuses be updated/or the account be removed as 15 USC 1666 b states that a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

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 2023-12-04 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: NJ

Complaint narrative:
I can not have this on my credit. I understand that it is an abuse that there is still this incorrect information under my name. 

XXXX - XXXXXXXX XXXXXXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 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: NJ

Complaint narrative:
I can not have this on my credit. I understand that it is an abuse that there is still this incorrect information under my name. 

XXXX - XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-12-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 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: TX

Complaint narrative:
I have tried multiple times to get through to Nelnet, I have applied for the XXXX plan but heard nothing back and I can not reach Nelnet. I have sat on the phone multiple times for XXXX hours to get taken out of forbearance and get on the XXXX plan but can not reach anyone. Interest is now adding up and I cant reach Nelnet to solve the problem. I have yet to speak to anyone at Nelnet. Nelnet does not answer emails and nothing can be resolved through email, they just tell you to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Amount shown on credit report was never discussed nor was not communicated with consumer. I was not obligated to pay this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CT

Complaint narrative:
In XXXX I obtained a private loan to pay down a Parent Plus loan with the federal government. During that time my account was going through consolidation. The total amounts to be consolidated was reduced by student aid.gov to {$61000.00}. The private loan company sent Mohela {$45000.00}. Balance should be {$15000.00}. Mohela is still showing a balance of {$61000.00} plus interest. It is in forbearance but the interest is still accumulating. I have called multiple times since XXXX to ask them to clear up my account so I can begin paying down what I actually own. 
XX/XX/XXXX - XXXX stated it was being reviewed to reapply it the consolidated loan and it should be fixed by XX/XX/XXXX. 
XXXX - XXXX spoke to supervisor XXXX who stated stated it was sent to a supervisor for review. 
XX/XX/XXXX - XXXX stated the request was incorrect and they had to request a pre-conversion review. She believes the {$45000.00} was applied to older loans. This request has to go to the Federal Accounts Department. 
***All of my older loans were paid that is why I only consolidated 3 loans. 
I also spoke to XXXX on XX/XX/XXXX who stated it should have been corrected in XXXX as well. 
Now I have a private loan plus the federal parent plus loans which the balance is not correct. 
I also have a opened a compliant with my state senator, the ombudsman and student aid.gov. 
I would like to make a formal compliant to show I have tried multiple times to get this issue corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/XXXX I paid the balance of my Lowe 's card XXXX. On XXXX I called to dispute the interest charge of XXXX and to close the account. Today I reviewed the statement which reflects the interest XXXX with an additional {$2.00}. interest on that balance. 
Lowe 's Account # XXXX XXXX XXXX opened in XX/XX/XXXX. 
My previous complaint was about XXXX  that was doing the same thing. 
They should remove any and all negative comments to my credit. 

Please note that I moved from 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 monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have consulted with an attorney who assures me that the FCRA requires CRAs to provide free reports, including online, but does NOT allow them to condition access to an online report on disclosure of a phone number and email. However, for years, XXXX and now XXXX as well, have done exactly that, and have ignored complaints about it being illegal claiming that they can do it because I can call or write to get a report. But again, the law EXPRESSLY requires online access and does NOT limit that access to my giving personal information I do not wish to provide to companies whose entire business depends on selling my personal data.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Over the past two years, I have been unable to access my credit report, file disputes, freeze and unfreeze my credit on the Transunion website. For over two years I have been calling and writing and every time I call the customer service representative states that they will escalate the situation and someone will call me back within 72 hours, for the past two years no one ever called me back and the error has not been fixed. Transunion is intentionally making it difficult for me to view and access my credit report, file disputes, and add and remove a security freeze. I can log in but I cant access anything, Transunion is refusing to fix the issues or address the problem. On XX/XX/XXXX, I was unable to unfreeze my credit to apply for something and Transunion requested that I mail them a copy of my ID and Social Security card which I did, and in that letter, I stated that am unable to view my credit, file disputes, or unfreeze my credit report in that letter and still nothing has been done, no calls no letters. It appears that Transunion is willfully ignoring and intentionally not wanting to resolve the issue.

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 2023-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: OR

Complaint narrative:
I am writing to formally lodge a complaint against Selene Finance regarding ongoing issues with my mortgage account management. Despite repeated efforts since early XX/XX/2023, both myself and my assistant, have faced continuous challenges accessing my account, resulting in significant financial harm and stress. 

Issue Summary : Account Access Denied : Repeatedly locked out of the online account system, precluding access to loan statements and account management features. 
Service Disruption : Reported system refresh in XXXX [ XXXX ] exacerbated access issues, with over a month 's delay in resolution. 
Recurring Lockouts : Post-resolution, account access was again revoked, with current inability to log in despite multiple contacts with customer service. 
Financial Consequences : Missed a payment due to an inaccessible account, leading to unjust late fees, account foreclosure, and over {$1400.00} in legal fees to rectify the situation. 
Inadequate Customer Support : Multiple interactions with representatives, including XXXX XXXX and XXXX XXXX, yielded incorrect information and no resolution. 
Impact and Request for Action : The aforementioned issues have not only resulted in financial loss but also considerable distress. The inability to access my own account feels akin to being held hostage for my own loans. The resultant foreclosure and late fees, coupled with legal expenses incurred to bring my account current, are both unjust and unnecessary. 

Therefore, I seek the following resolutions : Immediate rectification of account access issues.

Full reimbursement of all late fees and legal expenses incurred due to this mismanagement.

Assistance in transferring my mortgage to a more reliable servicer.

Formal acknowledgment and rectification of the customer service deficiencies.

Enclosed are detailed records of all correspondence, calls, and interactions with Selene Finance representatives, documenting the chronology of events and failed resolution attempts.

I trust that you will take this complaint seriously and act promptly to address these grievances. The financial and emotional toll of this experience has been significant, and immediate action is imperative. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact, a victim of this data breach, and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation