vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 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: FL

Complaint narrative:
My account showed in good standing after consolidation and application for public service loan forgiveness. My account balance on studentaid.gov also showed a XXXX balance " in good standing '' and suddenly my loans reappeared. Mohela has sent numerous statements since then with a ridiculously high monthly payment though I was in an income driven repayment. Mohela has grossly mishandled my student loans, forgiven them and then reinstated them, and reporting my loans to credit bureaus with incorrect information. My credit score has taken a hit though I did nothing but apply for loan forgiveness and consolidation as instructed by Mohela representatives. I should be eligible for student loan forgiveness but my account has erroneous information and I am being inundated with different amounts, past due statements though I should be in forbearance while student loan forgiveness is being calculated. While my loans showed in good standing and at " zero '', I was unable to submit or correct issues with my XXXX application. My mental health has been impacted due to the back and forth and especially due to the " good standing '' and " XXXX balance '' on BOTH Mohela and Studentaid.gov ( and removal of my student loans on my credit report ) and then having the loans show up weeks later. XXXX  mishandling of my account and this will take me months to sort out with the credit bureaus which impacts my family 's wellbeing and my XXXX XXXXXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax opened a XXXX day investigation for fraudulent inquiries listed on my credit report and closed the investigation within XXXX days with no investigation results, or any information in terms of finding and what they did. I previously submitted a complaint through the CFPB and how this company is violating Federal Law and overlooking what is supposed to be done as they are not over-standing their part in the authority over the law and not follow FCRA guidelines to which they are repeatedly turning a blind eye to what their supposed to uphold which is factual credit reports and integrity. This bureau over the past year has caused me insane amounts of mental anguish in which I have fell into a XXXX where I want to pursue litigation and file a claim in federal court against this credit bureau. I have countless disputes dating back XXXX  months on how I have requested countless information sent Identity theft reports in which this bureau does not investigate or send results of their findings. This fraudulent bureau doesn't even open investigations and I will attach it to this complaint of how this bureau actually does their job which is a direct violation of what this company portrays themselves to stand for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The reason Im writing this is because several accounts are not mine and I have no knowledge of them. Some accounts in accurate wrong balances wrong dates. And Im a victim of identity and I have student loans in my name also, I tried calling the credit bureau. What do you have giving me the runaround and no accurate information

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 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MS

Complaint narrative:
Hello, I'm XXXX XXXX. Chime closed my account on XX/XX/XXXX due to a scam incident, citing inappropriate language without clarification. Despite numerous attempts to contact customer support, they provide no information or assistance. Redirected to email, each response is a repetitive copy and paste message. I've received over XXXX identical emails, and the issue remains unresolved. I'm concerned about the promised check with my remaining balance, due 30 days after closure on XX/XX/XXXX, as XXXX  is XX/XX/XXXX, and I haven't received it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Albert Corporation
State: AZ

Complaint narrative:
The online banking app ALBERT withdrew {$100.00} from my connected bank account without my knowledge. The rep said I initiated the XXXX program. The ALBERT app does not describe this XXXX thing. I requested that my XXXX XXXX  be returned and refunded because I did not consent to this. I was told it was my money and I have to wait 5 days before I can request it back. I explained, that it was unacceptable and then they said on 3 days I can request the refund. 
Which is right? I don't care. I need that money back right this min. 
If I cancel my acct with ALBERT I will never see the refund. HOW DO I KNOW THIS WON'T HAPPEN AGAIN AND AT ANY MOMENT.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've submitted multiple letters to the company regarding these issues, but there has been no resolution. Despite XXXX XXXX advising the company to remove the bankruptcy from my credit report, the company insists that the information is accurate. They verify it with XXXX XXXX, while XXXX XXXX asserts that it's incorrect. Each company received the attached letter from XXXX XXXX the only company respond and removed the incorrect data 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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Volvo Car Financial Services U.S., LLC
State: TX

Complaint narrative:
I am writing to address a critical issue related to the reporting of a charged-off account and the failure to provide the required Form XXXX for the canceled debt. As of today, I, XXXX XXXX XXXX XXXX, am explicitly requesting the issuance of Form XXXX for the charged-off account ending in XXXX. 
I am formally requesting the issuance of Form XXXX to ensure accurate reporting of the canceled debt associated with my account, as per IRC Section 6050P. Despite previous requests and the company 's commitment to resolving the matter, the necessary documentation has not been provided

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV

Complaint narrative:
Last XXXX I received promotional checks with 0 % interest rate till XX/XX/year> with a one-time 4 % transaction fee. I used it. Later I found the credit card still charged me some interest. I called the credit card which is issued by 5/3 bank. I was told that the 4 % transfer fee is not at 0 % rate. I looked through the mailer with which the promotional check was sent and there is nowhere stating that the I have to pay an interest for the transfer fee. 

I got similar offer from other credit card. They did not charge any interest for the transaction fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: FL

Complaint narrative:
I've reached out to the company through numerous phone calls and letters to address this issue. In light of cyber attacks affecting the company and others, I specifically requested the removal of inquiries not linked to an open account from my credit report. I also provided details about several data breaches involving my information. Equifax data breach I received a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: MN

Complaint narrative:
On XX/XX/2023 at XXXX XXXX I sent the following message via Contact Us mohela.com : My student loans in Federal Student Aid and Mohela both say that I withdrew from my program, but I graduated in XX/XX/2023. How do I get this information corrected? 
The response I got ( attached XXXX  ) was to call. I am experiencing difficulty reaching the appropriate department through their automatic call transfer system as the system is not recognizing the keys I am pressing to initiate the transfer.

I sent another message : I am on the SAVE repayment plan. I have verified via studentloan.gov. I am trying to call MOHELA to discuss why my payment is significantly higher than what I was told ( attach XXXX  ). Unfortunately I can not get past the keypad portion of your automatic call robot, as when I press the correct number it does not recognize, repeats the question, and then hangs up on me. Contact me at ( XXXX ) XXXX. I will not be making a payment until this gets figured out.

- I have recently applied for and been approved for the SAVE program, but the MOHELA website does not reflect this change.

- The MOHELA website is displaying conflicting information regarding my payment amount.

- In one section of the website, my payment amount is listed as {$660.00}, while in another section it is listed as {$810.00}.

- In yet another section, the SAVE payment amount of {$150.00} is displayed.

- The website also displays conflicting information regarding my payment plan, with one section showing that I am on the SAVE plan and another section showing that I am on the Level plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am aware that despite customers providing precise information, you have been using pre-written standard form letters in responses to numerous disputes, complaints, and challenges. I understand that this is illegal, as each customer complaint should be individually considered and handled appropriately.

My letters are created using accessible software available to everyone. If you choose not to process my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay processing based on the assumption of third-party assistance. This does not qualify as a legal exception. I am the sole author of letters bearing my name, or they are written by my advisors with my knowledge and consent. Failure to respond promptly will be seen as a willful disregard for my rights, and legal action will be taken.

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and Metro 2 data field reporting standards, I have the right to dispute incorrect information on my credit report. It is essential that all data in a consumer 's file is properly documented and validated. The
allegations against me are false, and I won't tolerate misinformation about my financial history. I challenge these claims due to their failure to comply with reporting standards. It is your responsibility to report data accurately and in compliance with FCRA and METRO 2 standards. Handle this matter with care and diligence.

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 2024-01-18 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: MI

Complaint narrative:
I am aware that despite customers providing precise information, you have been using pre-written standard form letters in responses to numerous disputes, complaints, and challenges. I understand that this is illegal, as each customer complaint should be individually considered and handled appropriately. 

My letters are created using accessible software available to everyone. If you choose not to process my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay processing based on the assumption of third-party assistance. This does not qualify as a legal exception. I am the sole author of letters bearing my name, or they are written by my advisors with my knowledge and consent. Failure to respond promptly will be seen as a willful disregard for my rights, and legal action will be taken.

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and Metro 2 data field reporting standards, I have the right to dispute incorrect information on my credit report. It is essential that all data in a consumer 's file is properly documented and validated. The allegations against me are false, and I won't tolerate misinformation about my financial history. I challenge these claims due to their failure to comply with reporting standards. It is your responsibility to report data accurately and in compliance with FCRA and METRO 2 standards. Handle this matter with care and diligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am aware that despite customers providing precise information, you have been using pre-written standard form letters in responses to numerous disputes, complaints, and challenges. I understand that this is illegal, as each customer complaint should be individually considered and handled appropriately.

My letters are created using accessible software available to everyone. If you choose not to process my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay processing based on the assumption of third-party assistance. This does not qualify as a legal exception. I am the sole author of letters bearing my name, or they are written by my advisors with my knowledge and consent. Failure to respond promptly will be seen as a willful disregard for my rights, and legal action will be taken.

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and Metro 2 data field reporting standards, I have the right to dispute incorrect information on my credit report. It is essential that all data in a consumer 's file is properly documented and validated. The allegations against me are false, and I won't tolerate misinformation about my financial history. I challenge these claims due to their failure to comply with reporting standards. It is your responsibility to report data accurately and in compliance with FCRA and METRO 2 standards. Handle this matter with care and diligence.

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 2024-01-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EVERBANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
EverBank CDs were opened with maturity instructions entered online. Everbank updated their platform and as a result they indicated that they will not honour the maturity instruction that were previously entered.

1. Maturity instructions can not be called in until the maturity date.

2. Maturitiy instructions can not be entered online until XXXX day after the maturity date. 
3. Default maturity instructions are to rollover into a new CD.

4. If the CD is not rolled over to a new CD no interes will be paid between the time the CD matures and the time the funds are moved out of the CD account.

Everbank made changes retroactively. CD would not have been open if these were the rules when the CDs were opened.

This restriction on when maturity instructions are accepted is not disclosed for new CDs until after the CD has been opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Right before Hurricane Sally, I called to check my insurance. Since my mortgage company pays this, I wanted peace of mind. After inquiring, my insurance carrier said that my flood was canceled. I asked how this could happen, and they looked into this with FEMA. It was discovered that my mortgage company sent a check to FEMA, put a stop payment, and then did this again. FEMA then canceled my policy, which I assumed from the previous seller. I was then forced to get private flood at triple the price. I have asked for help and or an explanation from my mortgage company. They claim it's not their fault, and that's it. Now, my payments have gone up to no fault of mine. They were supposed to handle this with my escrow.

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 2024-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I tried 6 times to send {$1000.00} international transfer from my checking account in New York to the bank account of my wife located in XXXX XXXX, XXXX. 
All the the time Chase Bank declined, even when I have sufficient funds, immediately blocking also my online access to my account. 
The bank say there was " suspicious activity '', even when I called Customer Service 10 times, spending around 400 minutes on the phone, giving them additional security information about myself, still no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I, m not sure I am in the right place I have a XXXX  loan with a Home Equity and questioning the Interest Rate, I am paying close to 8.99 % almost 9 % is this right when I signed up it was XXXX percent and I know Inflation has had some effect but when I asked for the average of XXXX  rates get a lot of XXXX quotes we have Good Credit Scores, not sure I really have a complaint or not. Thanks! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: GA

Complaint narrative:
I did not approve no company to inquire about my credit. 
I have closed accounts on my credit that is automaticlly reporting every month, that is not legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: MN

Complaint narrative:
How times do I have to send in letters to make unlawful reporting lawful? As a consumer I request to know all the steps your agency took to ensure these items were 100 % accurate. Under USC 1681i ( 7 ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I never received any documents which are required by law which is now a consumer law violation. You ( Experian ) were obligated to do a complete and 100 % accurate investigation on my disputes, that I sent out certified, I received results back on XX/XX/scrub>XXXX XXXX XXXX XXXX Experian online portal for XXXX XXXX XXXX XXXX XXXX and you CLAIM they came back verified?. 

USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

PLEASE SEND THE FOLLOWING INFORMATION USED TO VALIDATE THE ITEMS ACCORDANCE TO USC 1681i ( 7 ) and USC 1681i ( 6 ) ( B ) ( iii ) OTHERWISE DELETE THEM FROM MY CREDIT REPORT IMMEDIATELY accordance to USC 1681i ( 5 ) I would love to avoid litigation on this matter if possible. 
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
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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