vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX transferred all personal loans to System Service Technologies ( " SST '' ). More information on the transfer can be found under " FAQs '' on the XXXX website : XXXX XXXX XXXX # transfer XXXX advised customers that it would no longer accept payments after XX/XX/XXXX. My payment being due on XX/XX/XXXX, I promptly and before the transfer to SST occurred made my personal loan monthly installment payment to XXXX on XX/XX/XXXX. XXXX, and SST confirmed via telephone representative on XX/XX/XXXX, received my payment from XX/XX/XXXX. They decided, however, to not credit that payment as a monthly payment and instead considered it an " extra '' payment and transferred my loan to SST who says I continue to owe a XXXX payment. In other words, I paid my monthly bill to XXXX prior to the transfer and thus should owe SST  for payments from XXXX onwards, but SST refuses to credit my XXXX payment. 

This payment is {$410.00} per month and was properly paid and thus should not be double owed by the consumer simply because of the loan transfer. The SST representative informed me that it was XXXX 's " accounting error '' that prevents my XXXX payment from being credited with SST, but that " accounting error '' should not be the consumer 's problem where the consumer has timely made payments. Many other individuals, including myself ( here, {$810.00} ), are not in a position to make double the monthly payment. 

I ask that the CFPB look into this XXXX-SST loan transfer to ensure that consumers ' payments are properly credited. 

Moreover, am unable to check that my payment was processed correctly because neither XXXX nor SST will provide statements for the loan in question. I am left without any recourse for obtaining the transaction history, as XXXX always had those statements in the online portal that is now empty and inaccessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted a complaint to CFPB on XXXX and Experian has not responded to my complaint. My complaint number on CFPB is XXXX in regards to Experian reporting a fraudulent address on my credit report. I have sent over my drivers license with my address on it and they still refuse to change or correct my address. They still continue to report the fraudulent address of XXXX XXXX XXXX I do not live at that address and I have never ever lived at that address.

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 2024-01-02 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:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: NJ

Complaint narrative:
I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit. 

It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights. 
15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report. 
FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading. 
15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance. 
18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft. 
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared. 

And several other violations, which I have detailed in the attached document. 

I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice. 

I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report # XXXX regarding this matter. 

Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded. 

Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: IL

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Comerica
State: CA

Complaint narrative:
Documents attached are detailed description of what happened. 

The bill was not paid after I had continuously for the past XXXX years on the XXXX or XXXX of every month asked the tellers if the debt have been paid. On XXXX XXXX XXXX, the bank teller at Comerica bank informed me that it had been paid, I later received a letter from XXXX XXXX saying that it has not been paid. XXXX XXXX has been trying to charge my card, but the bank was not responding nor sending the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I enter a Job in an application which promoted themselves as an XXXX XXXX  called XXXX  XXXX, I had to sent money first as a compromise of doing the job. The money had to be sent in XXXX XXXX, and I would get paid in usdt. They have people already working for them, I heard about the job through a friend. They did conferences and everything to explained the job which made it seem legitimate. I did not receive my money back. Everything ended up being a scammed, some Ponzi schemed. A big one, many in different countries lost money, I lost {$4100.00} dollars that I did in two different rransactions for the scamming company as a requirement for the job earning. I contacted my bank institution Banco Popular de Puerto Rico once there were news it was all a scam. I sent all documents about the company and the transaction. The resolution they sent was that the XXXX XXXX XXXXXXXX do not do refund and everything was done according to the policy they have so the bank will not refund the money. However other banks, XXXX  XXXX  did refunded their clients when they explained the same situation as I did. Those banks were first tech and XXXX XXXX XXXX. This information was provided by other victims of the fraud that also put their money in that XXXX application. After all it was a fraud and it was for an ilegal business. Me and many hope we can get a refund of some of the money at least.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: CA

Complaint narrative:
My loan servicer is MOHELA and I am enrolled in the income-based repayment ( XXXX ) plan. My annual recertification of income date on the MOHELA website shows XX/XX/XXXX. I received messages from MOHELA on XX/XX/XXXX informing me that my recertification was upcoming. On the Department of Education website XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  ) it specifically states that if your recertification deadline falls in the six month period after payments resume ( XX/XX/XXXX ) then your recertification date will be pushed out 1 year. I sent a message to MOHELA on XX/XX/XXXX requesting that they correct my recertification date to reflect this information from the Department of Education. They responded on XX/XX/XXXX with this message : " MOHELA 's Response : Thank you for contacting MOHELA, We apologize for any confusion and inconvenience that may have been caused. 

In order to provide exemplary service, we want to make sure that we are addressing your questions and concerns accurately. We need additional information as it pertains to responding to your question. Please call toll free at XXXX. Our hours are Monday XXXX XXXX XXXX XXXX XXXX, Tuesday and Wednesday XXXX XXXX XXXX XXXX XXXX  Thursday and Friday XXXX XXXX XXXX XXXX XXXX XXXX 

If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX XXXX XXXX XXXX, Tuesday and Wednesday XXXX XXXX XXXX XXXX XXXX, Thursday and Friday XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you, MOHELA '' I called them on XX/XX/XXXX, and the customer service representative denied that this was accurate and incorrectly continued to state that my recertification anniversary is XX/XX/XXXX and that if I do not recertify by XX/XX/XXXX that my monthly payment would automatically increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX  we received a letter of denial for car loan! They said they pulled my credit and the number came back as XXXX from XXXX XXXX. So, i called XXXX XXXX and they said we didn't send over a XXXX score! We called Navy Federal credit u back and asked them again where u getting that number when XXXX XXXX says something totally different? Navy federal credit union says they can't help me take it up with XXXX XXXX! So I sent a copy of my score and haven't heard back from them yet!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I recently applied for credit on XX/XX/2023, which I was denied. I am asking Bank of America to reconsider their decision, regardless of the reason for this denial which has negatively impacted on me, I have the right to credit. On your XXXX  XXXX filling with the XXXX on page XXXX under credit extension commitments it states " The Corporation enters into commitments to extend credit such as loan commitments, XXXX 's and commercial letters of credit to meet the financing needs of its customers '', under credit card securitization it states, " XXXX XXXX securitizes originated and purchased credit loans ( including receivables ) to support its own and its customers financing and investing needs which I have received no benefits. Therefore, withholding my rights to my securities is indeed securities fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK
State: VA

Complaint narrative:
I am writing to file a formal complaint against Discover Financial Services regarding a dispute I raised concerning inaccuracies in reporting associated with my account, specifically with the account number XXXX. 

On XX/XX/2023, I mailed a letter challenging the inaccuracies in reporting associated with the mentioned account. As of today 's date, I have not received any response from Discover within the XXXX timeframe as required by law. 

I am enclosing a copy of the letter that was sent to Discover, which serves as proof of my attempt to rectify these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC
State: MI

Complaint narrative:
The company still has it listed as a COLLECTIONS when I have a Income with holding order as agreement to payments. This is STATE OF MICHIGAN child support division. This should be a slow pay due to the payments coming in late due to pay dates. This should never be a in FULL COLLECTION status when there is a Income with holding order.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I just reviewed my Equifax and XXXX credit reports and there are unauthorized and inaccurate accounts. 

Please see the attached files I sent to the Bureaus. They have not responded to me yet

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The two line items Dept of Ed/XXXX ending in XXXX and XXXX both were taken off of my credit report for the past XXXX years. recently Equifax for some reason allowed this company to have this back onto my credit report. 
I am making this report for Equifax to take these two line items off permanently. This has caused my score to drop and financial stress. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I went to make a final payment on my loan of {$5300.00}. For each of the two days afterwards I checked the Nelnet site for my balance. The payment was still processing, and the interest on the amount, {$5300.00}, was still accumulating. So now the final amount was up to about {$5400.00}. This caused some worry in me, but I waited until the payment finalized on XX/XX/XXXX, and now Nelnet showed the balance as {$0.00} and the loan as 'Paid in Full '. 
As an extra measure I kept checking each day for a few days afterwards and the amount stayed the same ( as {$0.00} and 'Paid in Full ' ). Fast forward to XX/XX/XXXX I check the website again and now the balance Nelnet is showing is up to {$35.00}? I am furious seeing this but I decide to use their site 's payoff calculator and schedule a payment for XX/XX/XXXX as the amount Nelnet showed for that day ( XX/XX/XXXX ) as {$35.00}. So now I am paying them an extra {$35.00} after their site showed for a week that I already paid my loan in full. I have contacted Nelnet asking for information about this matter but I am getting no response from them regarding this issue. I do not want this cycle to keep repeating itself when I have paid in full what I owe already. 
Thanks for reading!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: ND

Complaint narrative:
I signed up for a best buy CitiBank card around XX/XX/XXXX. The terms were not explained to me by the employee that had signed me up or an information packet and the employee unbeknownst to me at the time did not put in my address details completely correct. 

I was told my card would arrive in 7-10 days per an email directly from Citibank. I waited longer than this to contact them due to slow postal service times however I never received my card in the mail. 

I received a voicemail from Citi that my card had been returned because of an address issue ; when I contacted customer service I was told I would not be able to update my address to receive the card unless I was able to verify my account, however, to verify the account I would need the full account number, which I did not have since I did not have the physical card. I was told to wait a period of time ( a few hours ) and I would be called back, but never was. 

Next time I called I am unsure about ( a few times in XXXX ) but I was similarly told the same except I would receive a letter instead, but I would not get the letter since my address on the account was still not updated. After talking to another customer service agent, I was told my account would be placed on review/hold for XXXX days and to wait for notification from Citibank to be able to verify my account. I had never received text, email or voicemail regarding this after XXXX days. Last call XX/XX/XXXX I was told I would be contacted and would need to call back once that happened most likely within XXXX hours. This has still not happened. 

Similarly throughout this process, I am told I am unable to close the account according to customer service reps because I can not verify it. This means I can not even pay the account fee on the card itself, let alone use it. I also can not use the online portal due to not having the physical card ; I can not make an account without the full card number. I have been asked for exceedingly personal information about my account ( e.g my SSN ) so there is no reason I should need to further verify anything to simply change address or close the account outright that to this day has not been used and is unusable.

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 2024-01-02 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: MOHELA
State: TX

Complaint narrative:
I submitted a XXXX  application in XX/XX/XXXX, I was told that I forgot to sign a page and need to submit that page. submitted page, never herard anything. I called several times and have waited more than XXXX hours to speak to someone and the disconnect the line. I recently logged into my account to see that I have a past due balance, when I was in forbearance till XX/XX/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 2024-01-02 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: NY

Complaint narrative:
Credit reporting agency will not allow me to access my credit reports online at Transunion.com the have prevented me from looking at my credit report and filing disputes online.

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 2024-01-02 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: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was notified by Wells Fargo Bank on XXXX via mail that my credit card account had been closed due to returned payments. Payments bank account which I use to pay all other cards and bills was not able to make the payment ( due to a mistake on their end which they have admitted ). Nonetheless, I used another account to pay my balance in full. 

When I reached out to Wells Fargo, the rep admitted that it was a mistake on their end and mentioned that the problem would be escalated. I then received a letter that confirmed that payments were returned with no fault of my own however that my account would be closed.

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