vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 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: IL

Complaint narrative:
So I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: IL

Complaint narrative:
Hi so Ive recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/23 to XX/XX/23 Ive sent out documentation to Dispute. This hard inquiry with Experian. Experian has been giving me a hard time about this hard inquiry which I file for FTC about this inquiry and Experian refuse to remove along with the documentation

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 2024-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: KS

Complaint narrative:
I attempted to contact Chime to find status of debt card. It has been 3 weeks with no debit card. Unknown party withdrew {$1800.00} from my account. Unknown party represented themself as Chime. Their website shown as Chime ( I have print screen of their site ) and the following sight which has changed since funds was taken. 
XXXX XXXX XXXX XXXXXXXX. 
Their phone # was XXXX. I Was told they were doing a test on my account. Called back numerous time with no resolution. 

I immediately filed a dispute within 8 minutes of funds being taken. 

Requesting refund of {$1800.00} that was stolen and party to stopped from doing this with other parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: MOHELA
State: CT

Complaint narrative:
Hello, I've attempted to pay extra funds on my federal student loan with servicer, Mohela. Ive tried to pay extra amounts on my account 5x since XX/XX/XXXX. 

- XX/XX/XXXX - {$920.00} - XX/XX/XXXX - {$940.00} - XX/XX/XXXX - {$920.00} - XX/XX/XXXX - {$1200.00} - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - Scheduled Payment Confirmation - {$910.00} A total of {$5300.00} that Mohela has not accepted from me over the course of 6 months. 

After a while of thinking my extra payments were processing, I further investigated and they were in fact NOT, and each time I was met with failure notifications via email. I tried again and still Mohela has not accepted my additional payments. 

I called Mohela in XXXX to further discuss/address this situation and a very new, unexperienced employee had no solution to my problem and told me to contact my bank as it was an issue with processing. 

I contacted my bank and they said there were NO ATTEMPTS to take out the funds. Interestingly enough, they are taking my minimum payments ( Since XXXX ) with ease according to my bank statements every month. 

I've tried again this month ( XXXX ), to pay off one loan in full this month on top of my minimum payment. I remain hopeful it will be processed and that I am not met with another Online Payment Failure Notification email. And if not, I know this poor establishment is happy to continue to rack up my interest. Horrible. 

I'm contacting the CFPB, to get this resolved and for your assistance addressing this. This is embarrassing, unprofessional and such a BIG headache for a young XXXX something who is working hard to try and get out of my student loan debt. 

I look forward to a quick solution, 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 2024-01-07 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: CA

Complaint narrative:
the following information being reported on my credit report that do not belong to me and are results of identity theft. 
Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX XXXX {$0.00} - - - The following inquiries are unauthorized and must be removed. 

Name Requested On XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXXXXXX via XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I went to wells Fgo bank XX/XX/2008 to ask for a notification to my XXXX, Mn property. The rep at Fgo, XXXX XXXX said I had to be default in my mortgage payments 2 months before I would qualify for my modification. During that time I was XXXX from a XXXX and had to spend time in XXXX for my XXXX. The bank knew where I was and was not handed forecloses papers. My home was on the market with XXXX XXXX realtor close to being sold. I bought a home in XXXX, Mn borrowing from Wells Fargo XXXX XXXX in them knowing I would use my XXXX, Mn sale to transfer to my new home in Mn. I put over XXXX down payment to my XXXX property thinking it would be a good investment with my 401k after a XXXX XXXX that ended in a XXXX. Wells Fargo winterized my home on XXXX XXXX without my knowledge or notifying my realtor. I had a shared well with my neighbor XXXX XXXX. When winterizing the home the water was shut off to my home and my neighbors home. My neighbor had XXXX plumbing turn back on the water supply to my neighbor and which my house flooded. Wells Fargo knew I had a shared well and took no steps to secure the property winterizing it properly. My home was forced off the market and inhabitable. Wells Fargo would not let my insurance XXXX XXXX enter my home for 5 months to get a estimate that was a total loss. The story is lengthy and I have all the documents to prove that wells Fgo has forced my home to be in a wrongful forecloser and forced into a forced placed insurance that has cost me everything I own. Sincerely, 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 2024-01-07 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: MS

Complaint narrative:
There is a fraudulent account on my credit report, titled XXXX XXXX XXXX. It is not my account, I have no knowledge of this account. Some one has stolen my information and has opened up and has opened up a fraudulent account without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: MS

Complaint narrative:
There is a fraudulent account on my credit report, titled XXXX XXXX XXXX. It is not my account, I have no knowledge of this account. Some one has stolen my information and has opened up and has opened up a fraudulent account without my permission.

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 2024-01-07 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: TX

Complaint narrative:
There are several issues I have encountered with MOHELA.

1 ) I have tried certifying my PSLF employment and months later nothing has changed and they have the incorrect date of employment ( it should say ends at current since I still work there but it says 1901 ). 

2 ) I have repeatedly received conflicting information about what is owed on my loan. I have received emails in the same week, one saying my balance is {$0.00} and the next saying my account is delinquent {$710.00} due to two missed payments. My online portal says I owe {$0.00} and have {$0.00} late payments but when I attempt to call the automated message also says my account is delinquent. I was sent a letter in XXXX saying I was in administrative forbearance, so after that I messaged through the message center asking to confirm this information since I was receiving two different stories via email and mail but no one ever answered my request.

3 ) I applied for the SAVE plan late XXXX and it has yet to be processed. I repeatedly receive emails and paper mail asking me to apply for an IDR when I already have. 

All of this has caused great confusion when I am attempting to do the right thing and ensure I am paying the correct amount when owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Incomm Holdings Inc.
State: KY

Complaint narrative:
I bought a visa card with XXXX dollars on it when I needed more than that I bought another one with XXXX dollars on it. And it didn't say anywhere that you can't use 2 cards so i waisted my money and i don't know how to get a refund that i want.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Navient was found to have been dishonest regarding my student loan. After XXXX  years of disputing it, The Federal Department of Education found against them. Navient was instructed to clear and close my account, which they did. However, they keep the file active in the credit bureaus, which has continued to harm me beyond the XXXX  years it took to get this resolved. They should remove any and all references to any loan with them, since they were found dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I WAS TOLD THIS WAS REMOVED, YET AS OF TODAY, XXXX XXXX, 2024, THIS MARK STILL SHOWS AN INACCURATE LATE MARK. 
Several formal letters have been sent to all THREE CREDIT BUREAUS from the President of XXXX XXXX regarding reporting an INACCURATE past due payment that NEVER WAS PAST DUE. Yet, the credit bureaus and CREDIT KARMA show the amount is STILL LATE. XXXX XXXX XXXX has gone above and beyond, providing each letter and copy of the AUD submitted from FCU to credit bureaus.

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 2024-01-07 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: NY

Complaint narrative:
I WAS TOLD THIS WAS REMOVED, YET AS OF TODAY, XXXX XXXX, 2024, THIS MARK STILL SHOWS AN INACCURATE LATE MARK. 
Several formal letters have been sent to all THREE CREDIT BUREAUS from the President of XXXX XXXX regarding reporting an INACCURATE past due payment that NEVER WAS PAST DUE. Yet, the credit bureaus and CREDIT KARMA show the amount is STILL LATE. XXXX XXXX XXXX has gone above and beyond, providing each letter and copy of the AUD submitted from FCU to credit bureaus.

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 2024-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA l 'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: TX

Complaint narrative:
I have had problems with the Nelnet platform to allocate my payments in a way I need this to be. While using the options " Special Payment Instructions '', I selected " Apply Excess by Percentages '' and then distribute the percentages to pay in full loans AH, AC, and AD. 

As soon as I submitted this request the system didn't allow me to move forward due to the following problem : " Sorry, there's been a problem. 
The has been logged and reported to our technical team. 

What you can do first : - Refreshed the browser and try again - Log out your account and log back in again. '' I did follow the recommendation twice and couldn't move forward. 
I decided to go ahead and made a bulk payment and later contacted customer support. I explained the same, I am writing to you on this request. The rep took notes, make the calculations, and documented the way the payment should be allocated. 

I can see my request has not been considered. 

I need you to please correct this and ensure that the following loans are paid in full of my last payment : Loans : AC, AH, and AD. These are the loans with the higher percentage rate I want also to bring to your attention another issue I had last year when the payment resume took place. The platform took me the money twice from my bank account. I called to request a correction and unfortunately for me the rep was extremely unpolite letting me talking alone. She decided not to say a think even though she was on the line. 

At this point, this is clear for me that Nelnet care less about us the loaners. Who can help? 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
CapitalOne continues to report fraudulent charge accounts on my credit report. I've provided documentation to dispute the accounts but they continue to hold me responsible for these fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: GA

Complaint narrative:
On XX/XX/2023, I utilized my rights under various federal laws ( including 5 USC 6802 ) to send an opt-out request to the major credit reporting agency : TransUnion. The purpose of this request was to withdraw any consent, previously given in any form ( written, unwritten, verbal, and nonverbal ), for using and sharing my personal and financial information in relation to specific accounts on my consumer report. The accounts are as follows : TRANSUNION : XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX  ACCT XXXX XXXX XXXX XXXX  ( original creditor : XXXX  XXXX XXXX ) ACCT # XXXX XXXX XXXX ( original creditor : XXXX  XXXX XXXX XXXX XXXX ) ACCT # XXXX XXXX ( original creditorXXXX  XXXX XXXX XXXX ) ACCT # XXXX XXXXXXXX  . ACCT # XXXX XXXX XXXX ACCT # 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 2024-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I purchased a car from a local dealership XXXX of XXXX XXXX who the owner is in XXXX right now and I got the loan through a company through the dealership called OneMain... the dealership has since went out of business and one main doesn't possess the title ... that's who I've been paying... the name of the dealership is XXXX XXXX XXXX XXXX very shady business I believe they done this to about 30 people ... they sold people trucks and cars that had liens on them. I currently have a complaint number with the attorney general they are taking their steps but the loan company one main is acting extremely shady they told me not to make a loan payment and sent me a letter saying that they would not report on my credit report but nothing about not making a payment ..so I continued making payments XXXX have not missed a payment but I was told there was a repossession out for the truck I have ... not from one main but from the company who owns the truck who I looked up on the XXXX XXXX ... its a company called XXXX XXXX XXXX XXXX ..they 've been doing fraudulent business with XXXX and doing this to people for the past year it's very ugly ..what I would like to do is have the loan company since they can not get the title wash my loan I've already invested over XXXX to XXXX into the truck and into my trade-in for the truck I lost my car this whole process has dropped my credit score from a XXXX down to a XXXX this is absolutely ridiculous I need some help please can you reach out to one main can you send them a letter telling them they need to stop my loan payment and send me the proper paperwork stating this and report to the credit report bureau I'm waiting to hear back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against TransUnion regarding their failure to conduct a proper investigation into inaccuracies on my credit report. Despite my attempts to resolve the matter with TransUnion XXXX directly, they have not addressed my concerns, and I believe their actions are in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I submitted a dispute to TransUnion, outlining specific inaccuracies in my credit report, such as incompleteness, inconsistent data on my credit report. These discrepancies have a significant impact on my creditworthiness, and I have a legitimate expectation that TransUnion will fulfill its obligations under the FCRA to investigate and delete such inaccuracies. Despite the FCRA mandating that credit reporting agencies conduct a reasonable investigation within XXXX days of receiving a dispute, I have not received any communication or resolution from TransUnion regarding my dispute, This lack of response is not only a violation of my consumer rights but also a failure on the part of TransUnion to uphold its legal obligations. I have made numerous attempts to contact TransUnion through their customer service hotline and online dispute resolution system, but these efforts have been in vain. The lack of responsiveness from TransUnion has left me frustrated and concerned about the potential negative consequences these inaccuracies may have on my financial well-being. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TransUnion for their failure to conduct a proper and timely investigation as required by law. Additionally, I seek your assistance in ensuring that TransUnion rectifies the inaccuracies on my credit report promptly. I may also seek additional complaint if Transunion fail to comply with my dispute. I appreciate your attention to this matter and look forward to a resolution that upholds the principles of fairness and accuracy in credit reporting.

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 2024-01-07 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: DISCOVER BANK
State: TX

Complaint narrative:
Discover has a closed credit card account on my credit report. The account was not created by me. The account was opened due to identity theft. I have asked Discover to remove the account from my credit report with all 3 credit buraeus due to identity theft however Discover has not removed the account. The balance is over $ XXXX.

Company response to consumer: Closed with non-monetary relief