vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
On XX/XX/2022, I submitted two documents certifying employment to Mohela ( federal student loan processor ) for the PSLF program. After several months, they were marked processed on my account with mohela.com. However, the payment counts was not updated to reflect the additional qualifying payments. 

I submitted written questions about this on XX/XX/2022 and XX/XX/2022. I attempted to call their customer service number weekly between XX/XX/2022 and XX/XX/2022. On XX/XX/2022, after being on hold for a couple of hours, I finally reached a customer service representative. When she looked at my account, she was perplexed as to why the documents certifying employment were marked processed, but my account was not updated. She verifying that the employers listed were qualifying employers. She said she would submit tickets to update my payment counts right away. At this time, those payment counts still have not been updated. I am concerned that they will not be. 

Dealing with Mohela has been much worse than the former federal loan processor. Its incredibly frustrating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2022-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I called Comenity/XXXX.com customer service and requested that my account be closed as I am disappointed to learn that Comenity practices predatory lending practices. I had a balance of {$230.00} on my XXXX statement and was charged {$120.00} in " residual interest. '' I have never heard of anything so ridiculous. I made a XXXX payment to bring my account to a {$0.00} balance and was charged {$5.00} in " residual interest '' on my XXXX statement. It's not a huge amount of money but it doesn't make any sense. The math does not add up. XXXX and XXXX should be ashamed. I bet there are thousands of people being taken advantage of in this manner and have no way of fighting back. Please help the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I needed a loan and just applied for one, unfotunately it was denied from the bank. So I pulled my credit report to see if I could see what the problem was. 

I noticed a lot of items in my report were not correct, but somehow ended up on my report- this doesnt make sense to me as they arent accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I needed a loan and just applied for XXXX, unfotunately it was denied from the bank. So I pulled my credit report to see if I could see what the problem was. 

I noticed a lot of items in my report were not correct, but somehow ended up on my report- this doesnt make sense to me as they arent accurate.

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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reviewed my credit reports and all three have multiple inaccuracies, they are reported that my Fed loans are XXXX and 160 days late but there are no 30 or 60 days payments reported. I believe these are violations of the FCRA. and have requested in writing multiple times that there inaccuracies be corrected or removed with no action being taken. I am requesting these late payments be removed from all three of my credit reports and new reports with undated information be sent to me.

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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my credit reports and all three have multiple inaccuracies, they are reported that my Fed loans are XXXX and 160 days late but there are no 30 or 60 days payments reported. I believe these are violations of the FCRA. and have requested in writing multiple times that there inaccuracies be corrected or removed with no action being taken. I am requesting these late payments be removed from all three of my credit reports and new reports with undated information be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reviewed my credit reports and all three have multiple inaccuracies, they are reported that my XXXX XXXX are XXXX and 160 days late but there are no 30 or 60 days payments reported. I believe these are violations of the FCRA. and have requested in writing multiple times that there inaccuracies be corrected or removed with no action being taken. I am requesting these late payments be removed from all three of my credit reports and new reports with undated information be sent to me.

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 2022-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
My mortage was transferred from XXXX XXXX to SLS effective XX/XX/XXXX. During this time tax statements were being printed. I paid my taxes directly to the taxing authority and uploaded documents to the new servicer, SLS same day while on the phone speaking to a representative. The representative confirmed receipt of the documents and the system was updated to pay the XXXX  and XXXX  taxes the following year. When I logged into my account today the same taxes I paid on XX/XX/XXXX show paid again although the system was updated not to pay until the following year and a esrow analysis was completed with raised my mortage to were I will not be able to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I have submitted my XXXX XXXX XXXX XXXX application on XX/XX/2022 to Mohela ( who is my servicer for my loan ) and it says it is processed but I don't see or hear any actions that are taking place on my account. I have tried to contact them but they don't respond. Could you please help me get my XXXX application processed. 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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX Went into BMO branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX and opened BMO Harris Premier account after seeing welcome bonus on the banks website. Mentioned promotion as reason for wanting to open this particular account. 

Per terms on website the welcome bonus of {$500.00} was subject to meeting {$7500.00} in qualifying direct deposits in 90 days of account opening. Qualifying deposits include those from an employer. 

Direct Deposits from employer made : XX/XX/XXXX {$1200.00} XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} On XX/XX/XXXX I called Bmo customer service, as no welcome bonus had posted to the account. Customer service advised that they could not find a promotion code on my account to check status of welcome bonus. Representative asked if my paperwork from the account opening had a promotion code attached. I advised it did not, only terms of the accounts. Transferred to XXXX XXXX on the Resolution team who advised she would have to reach out to the local branch to see if they had the promotion code. Told local branch should call within a few days, but may take longer as of XXXX XXXX XXXX. XXXX also advised if the local banker did not apply the promotion code, that they would be able to honor promotion from when I opened account. Given direct number to reach for any questions XXXX Received no follow up and reached back our to XXXX XXXX on XX/XX/XXXX. Left voicemail asking for status of request and call back. 

Received no response. 

Called back XXXX XXXX on XX/XX/XXXX and left additional voicemail asking for call back. 

XX/XX/XXXX called customer service and spoke with Manager XXXX who advised she could help reach out to branch to figure out the issue with promotion. Disconnected from line while on hold. 

XX/XX/XXXX spoke with another service representative who called branch directly. XXXX at local branch advised they had no record of me asking for promotion when I opened the account. They can not honor promotion without proof I asked for it. I questioned how would I provide proof when they are the ones documenting the process with access to my file? I advised that I had dated screen shots of the promotion on their website from the day I opened account. XXXX advised without written proof in my file he could not provide the welcome promotion. Only option is to possibly work with carrier resolution team. Transferred back to XXXX XXXX. Left voicemail asking for call back. 

No call back received.

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 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Netspend Corporation
State: GA

Complaint narrative:
I received a Netspend Prepaid Debit Card for XXXX, XX/XX/XXXX. On XX/XX/XXXX I attempted to activate my card. After submitting my information via Netspend 's activation portal, I received an error message. I have attempted to activate my card via Netspend 's web portal, but I am instructed to call XXXX. The toll-free number only allows interaction between me and the phone system, it does not allow me to speak to a human, and there is no option for me to activate my card. I contacted Netspend via XXXX and while they responded to my message, they have failed to provide me instructions to speak to a human. Additionally, this company requires you to input your social security number in order to activate a *Pre-paid card! * - a Pre-paid card that already has funds in it. I have a suspicion this card is fraudulent as it has been fined by the FTC before. 
As of this report, I am unable to use my funds that have been pre-loaded into the card. 

I would stay away from Netspend and all of their services, and feel horrible for the person that pre-loaded funds into the Netspend card I got as a gift for XXXX. 

I would advise everyone that sees this message to stay away from Netspend and their services, and I hope the FTC shuts down this company for good.

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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
During the nationally mandated shelter at home policy that then continued in my State of IL I was reported late by my credit card companies. I tried to be proactive and ask for help early on in 2020. However, these companies did not have assistance programs in place yet so they reported me late over and over month after month during the start of the pandemic. I have tried to dispute prior to now based on the HEROES ACT, my perfect pay history before the pandemic and my current pay history status, my proof of having the XXXX  and proof that my state of IL is still under a state of Emergency per our Governor XXXX who has made his own calls. 
I should not be penalized because the companies did not have programs in place yet, the pandemic shutting the world down, caring for family who were affected by XXXX, caring for myself when I contracted XXXX and being in the XXXX and XXXX industries which were some of the hardest hit. It was no ones fault why should anyone be punished?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
Our current mortgage company LoancareXXXXXXXX has taken over {$3000.00} from my husband 's bank account without authorization. My husband and I both have contacted them numerous times by phone and by email. They have yet to refund our money nor do they have any excuse for the transacations. My husband has had overdraft fees as well as accumulated credit card fees, late fees, bills we can't pay because we have no money. Our bank account has been overdrawn since XXXX XXXXXX/XX/19 and we have no cash. Please help us get our money back. 
We have also been wronged by XXXXXXXX XXXX out of XXXXXXXX XXXX They allowed all of these transacations to go through when we were told they would not. The account was already overdrawn but they still continued to let these transactions to go through and post.

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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX submitted a collection account to XXXX, XXXX, and Experian in the amount of {$780.00}. On XX/XX/XXXX, I agreed to settle this balance with XXXX XXXX for an amount less than owed, and submitted payment. As such, on XX/XX/XXXX, I received a " Release of Debt '' notice from XXXX 's collection agency, and each of the credit repositories began reporting the account as " legally paid for less than the amount owed '' and/or " paid after collection. '' Sometime in XX/XX/XXXX, XXXX updated this reporting to " paid after charge off, '' which is incorrect. In an effort to resolve the matter, I contacted XXXX XXXX, paid the remaining balance, and obtained a letter from the creditor confirming that the account was paid after collection. In addition, I submitted three dispute claims with XXXX, along with supporting documentation from XXXX confirming the account 's status. However, the trade line has not yet been corrected. Although my credit scores for each of the repositories are XXXX, XXXX, and XXXX, respectively, I have been denied credit since XX/XX/XXXX, from creditors that have previously granted me credit. Upon receipt of each of the Adverse Action Notices, the sole reason for denial has been the " paid after charge off '' reported account.

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