vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have a federal loan with Nelnet, a different loan provider, i was with Great Lakes, it is impossible to get in touch with them, I am trying to get into a SAVE plan, I was denied, with no explanation. I need to lower my payments, i am on social security and a widower, I am financially struggling, please help. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Someone fraudulently opened an Ally Bank " Everyday Cash Back '' MasterCard using my credit information and under my name and social security number. When I received the notification that I had been approved for the Ally credit card ( that I absolutely did not apply for ) I immediately called Ally 's fraud and security department to report this fraudulent activity. I was tossed from one customer service representative to another without any real explanations why. Each representative asked for my full social security number, and when I told them I was nervous about giving it to them because obviously my SSN had already been compromised, they told me that was the only way to confirm my identity. When I finally reached someone in the security department that said they could help me, this costumer service representation told me she could " lock '' the account so it can't be accessed, but she couldn't close the account because it had been opened too recently ( the same day as my call ) and still needed to be processed. They asked me to call back the next day to fully close the fraudulent account. When I called back the next day, the lady I spoke with said they would need to do an investigation before fully closing the account. This is not what I was told the day before. Then I was told I needed to wait 7-10 business days for documents they would be sending me in the mail to fill out and then send back, in order to " get more information for the investigation ''. So I'm supposed to sit here and take their word that my account has been locked and the perpetrator can't access those funds? There is no way for me to actually know that someone hasn't already spent the whole limit of the credit card by now. They could have maxed out the card and I would have no idea. This has been a very stressful situation and I've tried getting it under control as fast as I possibly can, but Ally has not been helpful in the least bit. No one seemed to know exactly how to handle this or what to tell me. This can't be the first time someone has had their identity stolen and was used to get an Ally credit card. So why isn't there an immediate action SOP in place for situations like this? Altogether, Ally was not an easy or helpful company to deal with this incredibly stressful and harmful situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: FL

Complaint narrative:
Hello, I recently submit a complaint and receive response from company. Company has responded but they are asking for their own bank statement and they have restricted my access to my account how can I send the statement. Please solve this issue because they are taking this issue too far. If I had access I will send the bank statement they have asked for but I dont have any access to download bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: NJ

Complaint narrative:
My information with Equifax has been breached here is the proof and they refuse to delete these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: GA

Complaint narrative:
am a victim of idenity theft, my information was exposed due to a data breach from XXXX, please remove these fraudulent transactions and credit card accounts from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. please remove the following inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please remove inquires and all fraudulent accounts from my report. PLEASE REMOVE THE FOLLIWNG ADDRESSESXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX GA, 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 non-monetary relief
Consumer complaint received 2023-11-29 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: GA

Complaint narrative:
am a victim of idenity theft, my information was exposed due to a data breach from XXXX, please remove these fraudulent transactions and credit card accounts from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. please remove the following inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please remove inquires and all fraudulent accounts from my report. PLEASE REMOVE THE FOLLIWNG ADDRESSESXXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX GA, 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 2023-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SN SERVICING CORPORATION
State: MD

Complaint narrative:
I have a ratified sales contract to sell my property on XX/XX/XXXX. However, the property is scheduled for sale on XX/XX/XXXX. The ratified purchase contract was provided to SN Servicing Corp and their counsel XXXX, XXXX, XXXX XXXX XXXX XXXX. It was advised that I didn't have the right to sell my property. I am the owner of the record and currently being foreclosed on, so I don't understand how I am not the owner. Please help me save my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
In XX/XX/2023, I attempted to create an account on Mohelas website in order to manage my federal student loans. I was getting errors saying the info I was providing was wrong. I tried to call their customer service and waited for hours to be transferred endlessly. After many conversations, the customer resolution department told me to send them an email with my info for it to be corrected within two weeks. I sent an email on XXXX. After 23 days, my account info is still wrong and I can not create an account. My loan payment is due soon and no one on the phone can help. I am on hold for hours and the call gets disconnected. Mohela is extremely irresponsible and poses security risks as they are clearly mixing up several peoples records. My social security number appears to them under a different name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: FL

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 3 . The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX, FL XXXX 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 7 . The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 9 . The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/2023 I withdrew a {$5000.00} check from my Federal Credit Union and personally deposited it into my KeyBank checking account at the KeyBank XXXX, New York branch at XXXX am. I received a deposit slip ( XX/XX/2023 - XXXXXXXX XXXX  - CC # XXXX - Teller : XXXX - XXXX # XXXX ) showing that I had an available balance of {$9700.00}. I already had {$4700.00} in my account + {$5000.00} = {$9700.00}. 

At XXXX XXXX I received an email from KeyBank saying that a hold was being placed on my deposit due to " reasonable cause to doubt collectability '' ( from a FEDERAL CREDIT UNION ). 

Unbeknownst to me, not only did the XXXX branch place a hold of {$5000.00} but the " back office, '' so it was explained to me in my fifth call to KeyBank, also placed an additional hold of {$5000.00}, thus placing a {$10000.00} hold on my account and depriving me of access to the {$4700.00} that was there to begin with. 

I tried to correct this bank error on XX/XX/2023 and received helpful assistance from a XXXX branch Personal Banker named XXXX, who tried to get the hold lifted. I also called the credit union and that employee also spoke with XXXX. 

On XX/XX/2023, I looked at my bank statement online and found that I was being charged a {$20.00} overdraft fee for payment of a {$30.00} check. I called the branch office and was rudely attended by the woman who answered the telephone, who eventually forwarded my concern to the branch manager, XXXX XXXX. XXXX XXXX explained that the overdraft fee was due to insufficient funds in my account, but finally agreed to waive the {$20.00} overdraft fee. 

Then, I received another email from KeyBank telling me that my account had insufficient funds. When I again called the KeyBank XXXX number, I was able to talk with a woman named XXXX who discovered that not only had the branch placed a {$5000.00} hold on my account but that the " back office '' had placed an additional {$5000.00} hold on my account, depriving me of access to the {$4700.00} that was in my account to begin with and making it look like I was overdrawn. 

This was TERRIBLE, TERRIBLE, TERRIBLE SERVICE from KeyBank!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
GOT HELOC LOAN IN XX/XX/23 ', INTEREST RATE 9.87 %, INTEREST ONLY PAYMENT FOR 1st YEAR, {$430.00} MONTHLY. THEY SOLD LOAN TO SPECIALIIZED LOAN SERVICING IN XX/XX/23 ', THEY SENT PAYMENT COUPON STAING PAYMENT NOW {$1100.00} MONTHLY!!!! I CALLED, THEY SAID APR RATE NOW 10.12 % BUT I SAID IT'S NOT EVEN 1 % INCREASE SO CAN'T BE THAT MUCH INCREASE, IT'S OVER DOUBLE!!!!?!??! ANYWAY NO RESOLVE WHEN I CALLED!!!!! CAN YOU HELP 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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Report number XXXX and XXXX I disputed this back in XX/XX/XXXX and received a replied from you in XX/XX/XXXX, which stated no change could be made. I am requesting for the second time the removal of inaccurate names, addresses outdated entries associated with my credit report. 

My legal name is XXXX XXXX XXXX XXXX, however, I have noticed that my credit report contains variations of my name that are not accurate, such the ID Number XXXX and XXXX. I request that my legal name be used consistently throughout my credit report, in order to ensure accuracy and avoid confusion. 
Additionally, I have moved to a new address more than 3 years ago and updated my information with all of my creditors. However, I have noticed that some of my previous addresses are still listed in my credit report such ID Number XXXX and XXXX. My current address is XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, and I request that this be reflected accurately in my credit report. 


Thank you for your prompt attention to this matter. 
Attaching Proof Social Security Number Proof of identification, DL Proof of Address Answer of my request through Experian report Proof of Letter sent to you asking to investigate and remove this inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have attached the counterfeit check that was deposited into my bank account at Chase Bank and funds taken out. I do not know these individuals who did this. 

Chase Bank has No Provisions in place to protect people 's account. When it was recommended by Chase Bank to turn off Online Banking it was done. On XX/XX/2023 someone deposited into my bank account a check for {$2400.00} and withdrew the money from my account. On XX/XX/2023 someone was trying to take out of my bank account {$480.00}. I received a fraud alert on this amount and was able to reject the transaction. Its strange that I would get an alert the second transaction which was rejected, but not the first time for {$2400.00}, and the check was honored at Chase Bank. 

The outstanding issues are : 1 ) There are no provisions in place to protect the consumers money.. Nothing sent to the consumer via a text message about fraud activity. Should work for checks and debit cards. 
2 ) I was told that with online banking turned off I would not get any Fraud Alerts. On XX/XX/2023 I did receive a fraud alert with online banking turned off. 
3 ) What was stated above I received no alert on the {$1400.00} check, but did receive a fraud alert on the check for {$480.00}. Chase Bank is unable to provide an explanation as to why this happened. 

CHASE BANK SHOULD NOT STATE THAT ONLINE BANKING IS TURNED OFF, AND NO FRAUD ALERTS, WHEN I DID RECEIVE A FRAUD ALERT ON XX/XX/2023. 

A CLAIM NEEDS TO BE FILED FOR THIS OCCURANCE, AS THERE ARE NO PROVISIONS IN PLACE TO PROTECT THE COMSUMERS MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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:
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 XXXX  XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-11-29 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: IL

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 XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: GA

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 Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-11-29 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: GA

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 Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 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