vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-23 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: ME

Complaint narrative:
I applied for the save/repaye program before payments were about to begin. I was informed that while my app was processing, I would be put in administrative forebearance. Then I receive a statement showing I would owe {$780.00} for XXXX, which was {$500.00} more than the repaye/save quoted me. I checked the status of my application and it said it was still being processed. So I didnt understand why I would owe the old payment amount and need to start paying when the application hadnt been processed. I sent XXXX separate messages to Mohela after way too many attempts to try to call but the wait times are outrageous and I work full time with XXXX kids under XXXX. I also messaged studentaid.gov and am awaiting a response. 

I check my bank account today because I tried to use it for gas and it was declined! and I see theres a withdrawal of the {$780.00} from my account for a loan payment! I never authorized this payment! It put my account in the negative, right before XXXX and needed expenses like groceries and last minute gifts. Thats the worst and most stressful. I called my bank and asked if they could stop it because I didnt authorize that payment amount and they did but would charge me {$30.00} AND my account will continue to reflect negative until Tuesday XX/XX/26- talk about the worst. 

I need help and need people to hold Mohela accountable. This is unacceptable and I deserve better. all of us borrower deserve better and I know Im not the only one. I should be in admin forebearance until they figure their stuff out and process my app. I cant be expected to pay an incorrect amount when its not feasible for my family and the need we have. Please help. Thank you. 

What XXXX even more is Ive worked for XXXX XXXX XXXX XXXX XXXX  for over 12 years in XXXX XXXX and I cant get forgiveness because back then, XXXX loan companies lied to me and gave me incorrect info. This is all terrible way of handling borrowers livelihoods who are trying to work. Support their families and live a decent life. Im nowhere near rich and need help and advocacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX {$34.00} XX/XX/2023 XXXX {$80.00} XX/XX/2023 XXXX XXXX {$130.00} XX/XX/2023 XXXX XXXX debit card claim was denied and not willing to look at a appeal spoke to several agents and departments with no success spend hours on the phone with the same run around. Transactions were done 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 explanation
Consumer complaint received 2023-12-23 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: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
There is a inquiry on my report I didnt do Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 16815 XXXX  company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 41 Date : XX/XX/2023 Ally Financial

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 2023-12-23 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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XX/XX/2023

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 2023-12-23 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: TX

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/ I disputed the medical debt collections. It was still kept on my report even though XXXX has written articles on removing medical debt collections that are paid in full. I did not explicitly state this was the reason I was disputing the account. Confirmation number : XXXX. On XXXX  I disputed the medical debt collections again. It was still kept on my report even though XXXX has written articles on removing medical debt collections that are paid in full. These articles I have attached to the XXXX dispute. I called and spoke to one representative who did not know about XXXX 's removal of medical debt, sent to collections, and paid in full. I was transferred to a supervisor XXXX, who only verified my information and concern then dropped the call and did not call me back. I then called another time and was told to attach a cover letter outlining my request in addition to the articles I already attached as supporting documents. Confirmation number : XXXX On XXXX I disputed the medical debt collections again, for the third time. It was still kept on my report even though XXXX has written articles on removing medical debt collections that are paid in full. I attached a cover letter explaining the removal of medical debt, paid in full, and in collections. I attached articles both to the cover letter and the dispute itself. Confirmation number : XXXX I called on XX/XX/ and spoke to XXXX XXXX I am at a loss and have no idea why these articles, published by XXXX aren't made aware to the dispute investigators, why the documents aren't being read, and how many more disputes until the new policy is taught to individuals. 

On XXXX XXXX I applied for a Citi Custom Cash card. I was told I was declined because of the XXXX Credit report showing a Major Delinquency, the Medical Debt that is continuously ignored as medical debt in collections. The account, which should not be in my history has prevented me from attaining a financial product.

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 2023-12-23 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: AL

Complaint narrative:
My usage of credit has vastly improved over the past quarter ; and because of my responsible, wise and systematic approach to wisely using my credit, my credit score and rating has changed for the better. However, I am confused as to why my overall credit score with Experian continues to diminish without proper cause. I have attached documentation for your consideration and review.

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 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had a credit limit of {$1500.00} for dental work. When I had to get a test done for my XXXX and I was told by my doctor 's office that it was not covered by my insurance, I place a {$75.00} dollars on this account. The credit card company sent out a new card to the wrong address and the person at the old address maxed out the card.

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 2023-12-23 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: Nelnet, Inc.
State: GA

Complaint narrative:
The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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:
The financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

Experian, 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 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this 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 non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
Under this rule, a debt collector is presumed to violate federal law if it places telephone calls to a particular person in connection with the collection of a particular debt in either of the following circumstances. The collector calls more than seven times within seven consecutive days. The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you. 

The FDCPA covers the collection of debts that are primarily for personal, family, or household purposes. It doesnt cover business debts, and it also doesnt generally cover collection by the original creditor or business you owed money to. 

Under the FDCPA, debt collectors can include collection agencies, debt buyers, and lawyers. Any FDCPA-covered debt collector who contacts you about a debt is required to tell you certain information about it. Repeated calls and emails

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: NY

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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 explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: IN

Complaint narrative:
I have been asking Exeter finance to reason with me about my interest rate its 25 percent and I owe more than the car is worth payments XXXX 72 month term

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: OK

Complaint narrative:
Nelnet 's website is completely broken, so I am unable to advance through the website enough to make a payment. I have sent emails since mid-XXXX requesting assistance in making my payments and have gotten no responses. They do not answer the phone, so I wouldn't be able to make a payment over the phone. There is no where to mail a check. I'm concerned I'm going to get hit with missing a payment, when it's not my fault that I can't make the payment. I was originally concerned with security issues with their website, but now that I see that I can't even get through enough of the website to even enter my information at all, there are clearly bigger problems going on at their company, and I don't deserve to suffer because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
There is a inquiry on my report I didnt do Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 16815 2 company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 41 Date : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: OH

Complaint narrative:
received a copy of my credit profile and it had incorrect information on it

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 2023-12-23 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: KY

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 non-monetary relief
Consumer complaint received 2023-12-23 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: KY

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have inquiries on my credit reports Inquiries 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 non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I'm XXXX XXXX, a customer of HSBC Bank USA, N.A. I had a checking account : XXXX and a saving account : XXXX. 
On XX/XX/2023. HSBC Bank USA, N.A. sent a letter to my mailing address, saying that they are going to close my account by XX/XX/2023, due to the Rules of HSBC Bank USA. After I read the rules, I definitely confirmed that I didn't do anything not allowed by rules they provided. All I do is transfer my money from my own another account to the HSBC, and use debit card to shopping or ACH to XXXX. These are all standard use of a bank account in USA. I have asked their to provide the reason, but they said they have the right to close my account without any reason just like I agreed when I open this account. So they closed my account and didn't provide any reason. 
After that, they made another poor operation. They uploaded my information to HSBC Group and HSBC in other countries, they transfer my private information abroad without my agreement! Then, they use this information to ask HSBC in other countries also close my account, also without any reason, especially I didn't break any rule provided by HSBC USA.

Company response to consumer: Closed with explanation