vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
THIS IS NOT A DUOPLICATE COMPLAINT. 
IT PROVIDES NEW REQUESTS AND DOCUMENTATION. 


To Whom it may Concern, Equifax continues to not report a third ( two have already been submitted ) positive account on my credit history despite attempts to get them to do so for over a year. This account is in good standing and has never been late and was always on time with no missed payments.

This is hurting my credit rating and history dramatically. 
XXXX has also been contacted and asked to submit a correction to both Equifax and XXXX XXXX as XXXX is also not reporting it. ONLY XXXX is reporting the item. I have attached their report containing the file information as it should appear on both XXXX and Equifax. 
Ironically Equifax and XXXX XXXX both continues to report FRAUDULANT items on the report while not adding these valid positive items. 
I was a fraud victim and they have been notified dozens of times about the fraudulent item still in question, a XXXX XXXX account, that is not mine. They were provided a Law Enforcement ( APS ) report, as well as FTC, CFPB, XXXX and additional supporting documents that validated the claims. 
These items should be blocked immediately, as I was also medically unable to make decisions for myself at the time, and can not be held legally liable for them as such. Both the fact I am legally XXXX still from that accident and the XXXX supports that, and the APS report showing I was the victim of financial exploitation of a vulnerable adult bear the burden of proving this fact. 
Id ask this account listed from XXXX be added immediately to the report. 
The agency has all the information it needs to identify and contact the vendor to make sure this happens. 
I would also ask the other account from XXXX XXXX, and fraudulent inquiries from XXXX and XXXX XXXX XXXX on the XXXX report be removed immediately as I was denied housing due to too many hard inquiries and the fraudulent account. 
Following is the demographic information needed for the dispute process. 
My ID ( passport ) is attached My Utility ( XXXX XXXXXXXX XXXX is attached XXXX Payoff Letter attached Affirm account ( information provided by XXXX and then confirmed by phone with XXXX  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
My employer was going to pay $ XXXX on behalf as an employee. However, this amount would be reduced due to the taxes withheld. The amount should be close to {$5500.00}. 

The payment was made to aidvantage approximately 30 days ago. However, the payment has not been posted to my account. Interest continues to accrue at approximately 5 % interest. 

I have contacted aidvantage via their website help page, and after each submission the website thanks you for your email to aidvantage. I have contacted them three times in the last three weeks and no response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
in XXXX, 2023, i ordered a blender from XXXX. the total charge was approximately {$180.00} and change. the item i received had been opened and used. it was dirty and had fingerprints on it. i contacted the company who sent me a return label and said they'd send out a replacement immediately. i followed their instructions and returned the used blender, and heard nothing from the company for weeks. my followup emails were ignored. i contacted them the last week of XXXX to tell them not to send a replacement unit, to just refund me for the unit i had returned, and received an automated message back that my email address was unauthorized and my email had been blocked. the company kept my money. when i try to click the link to view the return label with the tracking information, it says it's invalid, so i can no longer view it. I'm certain they have access to it but they won't respond to me. i followed up with my bank and gave them all the details. yesterday, XXXX, i received an email from my bank asking to send more information by XXXX or my claim would be denied. i wrote back immediately asking what additional information they needed from me because i didn't understand what to send. they did not respond. this morning, i received an email that they denied my claim and so the company is keeping my money, which they essentially stole, since they have the defective blender back and never sent me a replacement and have ignored my countless messages. they have no phone number. when i tried to file a complaint with the better business bureau using their claimed address, i was told it's not a permanent address and that the company doesn't have a permanent presence in their state. i have absolutely no idea what to do but XXXX stole my money and my bank won't help. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: AZ

Complaint narrative:
Mohela is my servicer and I have had multiple issues with them with little to no responses. For example a message I sent on XX/XX/XXXX was just responded to today XX/XX/XXXX ... and it did not fully answer my inquiry. Very difficult to get in touch with them by phone also, I do not have time to sit on hold for several hours ... as I have tried in the past. I have not gotten the info requested about the forbearance that I was on- I wanted to make sure that I would still be eligible for PSLF payment counts. I had them remove the forbearance to be safe ... after repeated messages to them they did remove the forbearance, messages which say a 2-3 day response time, are being responded to over 6 weeks later. I also have had wrong payment amounts for the SAVE plan- I was automatically switched to a slightly lower payment of approx {$750.00}. When I ran the numbers, the payment should be between {$400.00} and {$500.00}. I redid the SAVE application and payment was lowered to approx {$610.00}. 
Another issue is that I had no notification of the original payment being due, I happened to see it in my online account. The payment was approx {$750.00} and I made the payment on XX/XX/XXXX for {$750.00}. I then noticed when I signed in on XX/XX/XXXX that they said I was past due in the amount of {$17.00} ... .so I made that payment on XX/XX/XXXX. I then saw that I continued to be past due XXXX on XX/XX/XXXX after paying above the minimum payment due. I contacted them on XX/XX/XXXX and still have not gotten a response to my inquiry. 
I am also a member of the XXXX XXXXXXXX XXXX XXXX and have been unable to get ANY info from Mohela or Dept of Ed about the status or the amount that will be forgiven/refunded. I do not trust Mohela in this. I am also concerned because they are moving to a new platform... I feel this will cause more issues and also allow them to " have a new excuse '' for their ineptness. 
The interest rate shown on my payment info is the highest rate out of all of my loans and I am concerned they are charging that across all of my loans. Numbers don't seem to be adding up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient is reporting false information to the credit bureaus. They are reporting that my account is 90 days late in payment when that would be Impossible because federal student loan payments were on pause until XX/XX/2023 under national administrative forbearance relief and today is only XX/XX/2023. Furthermore, because of this, my credit score has dropped tremendously, and now has become a burden on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This inquiry is not authorized and was done by the creditore without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2023-11-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
I have never done any business with this company. but they have roped up on my credit report, reporting negatively about a debt that I do not owe them, they bought it from XXXX XXXX XXXX. I filed bankruptcy in XXXX XX/XX/XXXX it was discharged. yet this company has made my already challenging credit score lose about XXXX points because of there deceptive behavior. I have sent them a remitted payment on the coupon they sent me by mail. but if they are in violation then I should not have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2023 I deposited a check into my BMO business account in the amount of {$11000.00} the check came from a account that I had closed once the account was closed they sent me my remaining funds in a check I then deposited it into my BMO account I was told the check will have a XXXX hold the XXXX XXXX  has been passed now they are telling me XXXX business days I have asked to speak with a supervisor concerning the matter on 3 different calls was told it can take up to XXXX still havent heard from them everytime I call Im getting told different things never getting a direct answer these funds are able to b verified because on the Check XXXX XXXX XXXXXXXX was the third party that cut the check I need this issue address as soon as possible

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are several bogus accounts on my credit report. I am attaching the letter sent to credit bureau for deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened two checking accounts on XX/XX/XXXX. The accounts were our " house '' account XXXX and " groceries '' account XXXX. When we opened the accounts, we were required to hold an aggregate average daily balance of XXXX or we would be assessed a {$25.00} fee each month. The fee is only assessed once regardless of the number of accounts. We added two more checking accounts " billpay '' XXXX and " savings '' XXXX on XX/XX/XXXX that were also linked so that their balance was included in the aggregate daily balance. We were assessed no fees through XX/XX/XXXXXXXX XXXX  because our aggregate balance was above {$10000.00}. My wife added a fifth checking account " nana '' XXXX in XX/XX/XXXX where she was the sole account holder. However, when the bank added the fifth checking account, the customer service agent changed which accounts were linked. There are two boxes the customer service agent has to check to link and include the accounts in the aggregate balance calculation. The agent setting up my wife 's account did not check them both which caused the billpay, savings, and nana account to all have their own individual {$10000.00} requirement ( {$1500.00} in the case of the nana account ). As a result of this customer service error, the bank assessed fines on those three accounts intermittently from XX/XX/XXXXXXXX XXXX XXXX XXXX ( when we realized the error ) totaling {$1200.00}. I discussed this error with a customer service representative, and my understanding is that if the accounts had been correctly linked per the original agreement, we would never have been assessed a fee on these accounts. We should have only been assessed {$120.00} in fees ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXXXXXX XXXX  ) on the house account XXXX account. The bank has refunded {$75.00} in fees. I have previously submitted this complaint, and the bank 's response was that I was not an approved account holder on one of the accounts ( Nana ). While this is correct, for one of the 5 accounts ( Nana ) it completely ignores the rest of the complaint. They refuse to answer the phone or return phone calls for the contact information connected with this ( I've tried 11 times now ). So I am submitting this complaint again only for the accounts I am an account holder on ( house, groceries, billpay, savings ).

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 2023-11-06 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: AZ

Complaint narrative:
During XXXX, I applied for Borrower Defense on some of my loans, on the application I specifically opted out of forbearance, as I want to keep paying my loans ( as I have done all throughout the Covid related pause ). 
On XX/XX/23 I got noticed I was moved to forbearance and after a XXXX hold with Mohela XXXX I was told it was due to borrowers defense, they apologized, and said my account would be updated. 
That following week, I was moved back into repayment. However, on XX/XX/23 I went back into my account and noticed I was moved back into forbearance, which I again never asked for. I called on XX/XX/23 and after XXXX hold was told I would be transferred.. after another XXXX, I had to disconnect. And this time when I called back, I received an automated message indicating they were too busy to take calls. 
I finally got through to Mohela again on XX/XX/23 and was advised they would submit my request to remove my forbearance ; that the request would take XXXX days. It has been over XXXX business days with no change on my account and now I have to sit on hold all over again. When I called XX/XX/23, the automated line indicated I have a XXXX wait time and can receive a call back. When I selected this option, it put me on hold anyways ; I can not sit on hold for over an hour, especially for a problem that should have never happened in the first place. 
So now I have to manually make payments, because my account is in forbearance and by not being able to have automatic payments, I am missing out on the 0.25 % interest rate decrease that I am warranted, because Mohela has me in a status I have very specifically opted out of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACATIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP
State: OH

Complaint narrative:
I was sent to a collection agency. I have had some major life changing events and my finances have suffered. The interest on this account is outrageous. In this day and time it is unconscionable. With the price of groceries and gas and as a single person I am struggling to even eat.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting 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:
XXXX is reporting false information to the credit bureaus. They are reporting that my account is XXXX XXXX late in payment when that would be Impossible because federal student loan payments were on pause until XX/XX/2023 under national administrative forbearance relief and today is only XX/XX/2023. Furthermore, because of this, my credit score has dropped tremendously, and now has become a burden on 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 non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
The company never provided any statements or information about my loan and I had no idea what was going on. I was never provided statements once I went into repayment in XXXX. I had no idea I was even in repayment or had a payment due. 

XXXX XXXX requires them to provide me statements and they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
my account has been restricted for almost 2 years and I don't know why i wish that account be closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting incorrect information on my credit report. When you view my credit file there are things that are missing, the credit usages is reported wrong on my transunion credit file.

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 2023-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
On XX/XX/XXXX, I applied to continue my service in the XXXX XXXX XXXX XXXX as a dentist, and therefore receive a {$20000.00} award to apply to my qualifying federal student loans. As part of that application, I was required to submit documentation proving that I applied the totality of a past {$50000.00} award to qualifying student loans in the past. 

At this point I logged into my Edfinancial account only to find that nearly my entire payment history had vanished. I tried to call their customer service line, and due to call volume and long wait times, I set up a call back ( which I never received ). I also submitted an inquiry via email. In the meantime, I was able to identify when the payment was made by digging through my old bank statements. I included the relevant bank statement in my award application rather than any sort of documentation from Edfinancial. 

Finally, on XX/XX/XXXX, I received an email from Edfinancial. This email included what appears to be a full payment history for my account, including, most importantly, the {$50000.00} payment that I made toward my student loans on XX/XX/XXXX. However, this information arrived via a simple, copy-and-pasted chart in an email, rather than in any sort of official document. Regardless, I sent this information to XXXX ( in charge of the XXXX XXXX XXXX XXXX XXXX ) and within a day I received a response that this information was still not eligible. In reality I need official documentation including the following information as it applies to that single, {$50000.00} payment : Lenders name Account holders name Account number Date of payment ( s ) Amount of payment ( s ) I have reached out to Edfinancial requesting this information again via phone and email, but I have not yet received a response. Most disheartening, if I don't have this document by XX/XX/XXXX ( less than two weeks from now ), I will lose my eligibility for the program for this upcoming year and I will forfeit my {$20000.00} award through no fault of my own. I will likely have to leave my non-profit, public health job and join a private practice in order to continue making my student loan payments.

Company response to consumer: Closed with explanation