vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 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: CO

Complaint narrative:
I have sent over 10 emails after my request to change my repayment plan was denied for re-evaluation in the next 13 months. I can't afford my payment and I don't understand where they are getting their numbers from. 

I have sent emails and waited on hold for over 3 hours weekly in an attempt to speak with someone and I can't get a reply. 

They told my my payment would be less than {$200.00} if I added a checking account to the auto pay plan and then they over-drafted my account $ XXXX when the first bill was due. 

I had to go through my bank to get the money back just to afford basic food and bills for the rest of the month. 

Very shady that I can not get in contact with anyone there. Not a reputable company and I will not be making a payment until someone corrects this. 

I will continue to email daily until they reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to 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 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 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 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 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 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

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 2023-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I applied for the SAVE program on XX/XX/XXXX. 
On XX/XX/XXXX, I was told that I needed to provide proof of income even though I had already granted permission to use my tax returns. On XX/XX/XXXX, I was given notice that my payments would not change, even though my income qualifies me for a {$0.00} payment. Please note that my wife, using the same financial info, was accepted into the SAVE repayment plan before the end of XXXX. 
It is now XX/XX/XXXX, and my application is still pending. I have spoken to multiple customer service representatives. They each give me different timelines for approval ( 1 to 2 weeks, 60 business days... each representative gives different answers ). 
I am actively trying to provide documentation to a mortgage company to obtain a mortgage. This wait time and lack of answers could put my mortgage qualification in jeopardy. 
Additionally, I have requested documentation on one of my two loans several times. Each time I'm promised to receive the document in " a few hours ''. Days go by without the document being emailed to me. 
This loan servicer is causing great financial harm to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
I contacted XXXX today XX/XX/13 asking about the debt that I wasnt aware of and they checked all my info in their system and they said it is indeed fraud and to dispute it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My business was created with XXXX owners who functioned as managers and we each had a credit card. When one of the owners/managers was fired in XX/XX/XXXX we physically took the credit card back and changed our login information online ( her name is XXXX XXXX XXXX so she wouldn't be able to charge anything. Shortly after we contacted Bank of America to have the credit card canceled and the associated account closed. They told us the only person who could cancel the card and close the account was XXXX XXXX herself because she opened it under her own line of credit. We explained that she was fired and doesn't have any access to the account. We had this same conversation/back and forth in person and over the phone a few times before we as a business decided to table the problem since we weren't getting anywhere. Then in the pay period of XXXX XXXX XXXX XXXX {$160.00} was charged to the credit card ( not by us ) that was physically held by us. We assume the fired employee had the card number saved on an XXXX  account and made the purchase. We immediately disputed the charge and a claim was filed, explained the situation to the bank in person and over the phone and they still would not close the credit card or the account. So I filed a complaint with a federal agency ( I don't remember if it was this XXXX or a different one ) and we got a response from Bank of America over the phone, saying we needed to fill out a " change of Guarantor '' form to change the cc/account to be in my name and were told to 'select option XXXX ' when you receive the form. I received the form in the mail and there was no 'select all " option or 'option XXXX ' so I called the contact we had from the Bank of America regulatory department who reached out and they didn't answer. We then received a mailed letter explaining no information could be shared because the account was in the fired employees name. So I sent the paperwork in filled out despite the lack of 'option XXXX ' as I was told over the phone and we have heard nothing back in about a month. The disputed charges remain on the card even now and late fees are stacking up, while our fired employee 's credit score is likely being effected without their knowledge. The card otherwise has XXXX charges. We just want to close it down.

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 2023-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I filed a XXXX  XXXX bankruptcy because the servicer refused to provide a payment plan for arreages during covid. During covid bank told me to pay what I can ( all recorded ). Now they say I need to subpoena that information. Im making my mortgage payments every month but they are applying everything towards the bankruptcy amount. The trustee has not made a payment since XX/XX/2023 ( 1st payment ). Ive also asked for a transfer of servicing audit. Please help. 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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I've been working on my credit profile for over a year and the CRA  has not removed the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I noticed a credit inquiry from chase bank through XXXX. The date was XXXX. I never applied for this. I've been trying to contact Chase for 2 days now for a total of XXXX hours on the phone. This inquiry needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 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: IL

Complaint narrative:
I have never lived at XXXX XXXX XXXX XXXX, XXXX, IL XXXX, and it has come to my attention that Experian is erroneously including this address in my credit report. I would like to bring this matter to your attention and request that appropriate action be taken to rectify this situation promptly. 
As per the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 1 ) ( C ), credit reporting agencies such as Experian are prohibited from reporting information that the consumer has informed them to be inaccurate. I have not resided at the address mentioned above, and it is imperative that Experian corrects this error immediately. 

I kindly request the Consumer Financial Protection Bureau 's intervention in ensuring that Experian complies with the FCRA and removes the inaccurate information from my credit report. This correction is essential to maintaining the accuracy and integrity of my credit history. 

Enclosed with this complaint, please find proof of my correct address, to assist in the resolution of this matter. I appreciate your attention to this issue and look forward to a swift and satisfactory resolution. 

Thank you for your prompt assistance in rectifying this matter.

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 2023-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Your selection of options that I choose is not because I cant Pay, We can Pay, its the many years of fraud, lost data, transfers and unable to get Any Arm of Support to tell the truth Many years ago my loan was transferred from XXXX  XXXX XXXX and loan, I had a floating interest rate but didnt even know that I had a floating interest rate in the financial madness of the early XXXX. I like everybody got sucked into this thing and never had a mortgage that said it was changing to a variable loan. 

My wife got XXXX in XXXX as we were struggling to get back on our feet, filed bankruptcy when XXXX XXXX sued, filed a XXXX XXXX and spent XXXX of thousands to fight losing our home to laws that have since Changed. Loan sold to XXXX, XXXX loan serving, and recently Rushmore Servicing. Rushmore never sent end of year escrow balances, nor when sold to Me. XXXX. The new company Rushmore Serving said they need 4 more payments and then the got Hacked. I am meeting with an FBI agent. I will file with XXXX XXXX asap. I will hire an attorney and I started with a XXXX loan and a XXXX HELOC in XXXX. I still owe over XXXX XXXX  years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: WA

Complaint narrative:
I switched to key bank because my employer used them for our HSA accounts and I wanted all my money in one bank. BIG MISTAKE!!!!

I had turned on the overdraft consent not realizing what it would do. I litterally could not maintain a balance in my account. It wouldn't matter if I overdrew my account XXXX XXXX  or XXXX XXXX  I was charged a fee. 
I was told as long as I deposited money into by account by XXXX XXXX  I would not be charged fees, that was a lie. I deposited thru XXXX XXXX around XXXX XXXX, the same day. The next day I woke up mortified to discover I was overdrawn XXXX XXXX! I attempted to turn off the overdraft consent without any luck. I called customer service crying. They weren't able to provide me a reason for the fees and provided XXXX assistance in turning off the consent. 
I tried for a week and a half to get it turned off. However I was charged XXXX overdraft fees within that time. I was unable to keep up with their insane charges. It seemed like the more money I put in the more fees they charged. I have been charged a total of XXXX fees and have only had my account open for about a month. 
I banked with XXXX XXXX  for several years and never had a single overdraft fee. 
I have spent hours on the phone trying get this resolved with no luck. All they do is tell me the same thing and tell me I have to wait for their special team to call me. Mean while my account continues to be charged fees. 
This bank has terrible customer service and their overdraft fees are excessive!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13 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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-11-13 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: OH

Complaint narrative:
In Acordance with the Fair credit reporting ACT Account : XXXXXXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX Has Violanted my Rights. 

.15 USC 1681 SEC 602 A State I have the rights to privacy.

.15 USC 1681 SEC 604 A SEC 2 Its Also state a consumer reporting Agency can not furnish a Account without my written instructions.

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 2023-11-13 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: OH

Complaint narrative:
In Acordance with the Fair credit reporting ACT Account : 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 Has Violanted my Rights. 

.15 USC 1681 SEC 602 A State I have the rights to privacy.

.15 USC 1681 SEC 604 A SEC 2 Its Also state a consumer reporting Agency can not furnish a Account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 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 XXXX XXXX Account Number : XXXX Account Name : XXXX BANK Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account Name : XXXX Account 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 2023-11-13 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 XXXX XXXX Account Number : XXXX Account Name : XXXX BANK Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account Name : XXXX Account 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 XXXX 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 2023-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Upon receipt of my last complaint, the company made a XXXX of adjustments that make no sense on my account which reflected in an alert from my credit company that my account balance has now increased. At no point in time should this balance have increased as it was on XXXX XXXX withdrawals and XXXX XXXX payments. This has now impacted my credit and PHH continues to make it worse in their review and audit of the account and escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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:
According to the fair credit reporting act this creditor has violated my rights, Under 15 u s c 1681 section 602 states I have the right to privacy. 15 u s c 1681 section 604 A section 2 states that a consumer reporting agency may not furnish an account without my written instructions. Under 15 u s c 1666 b a creditor may not treat a payment on a credit card account or under an open end consumer plan as late for any purpose.

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 2023-11-13 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: GA

Complaint narrative:
According to the fair credit reporting act this creditor has violated my rights, Under 15 u s c 1681 section 602 states I have the right to privacy. 15 u s c 1681 section 604 A section 2 states that a consumer reporting agency may not furnish an account without my written instructions. Under 15 u s c 1666 b a creditor may not treat a payment on a credit card account or under an open end consumer plan as late for any purpose.

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are unauthorized accounts and inquiries that need to be removed from my credit profile. I am human there is no XXXX party involved. I have reported to XXXX and XXXX XXXX XXXX. I have attached documents provided.

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