vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 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:
My identity was stolen and a bunch of hard inquiries was place on my credit report that was made by 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 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Concerto Card Company
State: FL

Complaint narrative:
My autopay was removed I found out about it when they blocked my store from receiving XXXX  payments so I called into the company on XX/XX/XXXX also in regards to several fees late fees they charged me a XXXX  lady advised me she put my autopay back on and removed late fees however she only removed one. Therefore I called again and the fee was not removed I refused to put my account on autpay at this point because I refused to pay for fees regarding a website error now I have racked up almost {$150.00} in fees alone even though I have paid on time I just refuse to pay for fees. Now they are claiming Im late anyways because the payment posted later. I used their website scheduler to schedule my payments days before the due date and if their site processes payments late that is not my problem, This is unethical and not right. I also want to say that this company engages in predatory lending on minorities and then does stuff like this. Its shameful and Im disputing these fees and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: Nelnet, Inc.
State: MN

Complaint narrative:
On XX/XX/2023 I submitted an official complaint with the CFPB against Nelnet for negligence on their part by adding {$14000.00} to my loan amount that I did not owe. 

The reason Nelnet added this was because they inadvertently sent me duplicate refund checks. I only cashed one set of checks and I was called by Nelnet to destroy the other copy, I complied with destroying the second set. 

Fast forward after many hours on the phone with Nelnet over the course of literal years, I filed a complaint in early XXXX. After many more phone calls and correspondence the issue was partially resolved nearly 3 months later, in late XXXX, XXXX. 

However, the resolution to this issue is STILL not correct. Nelnet was charging me interest on the {$14000.00} the entire time that I should never have been charged. Additionally Nelnet charged interest on the payment of {$14000.00} that was applied to my account when they fixed the error. 

Nelnet must remove all interest that was charged during that period on the erroneous amount that was added, and get rid of the interest from the payment itself that was applied. 

This issue has caused me unfair financial suffering, countless hours spent trying to resolve this issue, stress, and impact on my credit report from it reporting that I owed a debt which I did not owe. This means that loans I took out during this time showed this as a debt I owed potentially making the interest rates on those loans higher. 

Additionally, their minimum of 2-hours on hold to get through to customer service and many hours more spent re-explaining this situation every single time to the representatives without ever being given a direct line to someone for my serious and stressful situation. All of which Nelnet NEEDS to compensate for these hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: OR

Complaint narrative:
MOHELA.. 

I have been waiting since XX/XX/XXXX for my IDR to be processed. I consolidated my loans which triggered ANOTHER IDR application to pend on XX/XX/XXXX. They put me into administrative forbearance without even telling me. 

I called MOHELA on XX/XX/XXXX at XXXX XXXX to see where the process was at and was informed at this time that they needed more recent of payment so I was told to upload those documents and gave me instructions to do so. ( I still wonder when/if they were going to notify me this was needed. ) Well... it appears that triggered yet ANOTHER IDR form to be processed except it is not an IDR form, it is just the pay stubs requested on XX/XX/XXXX. Because they considered this the main 'application ' being processed I am not able to see my true IDR application that I completed to confirm I will be on the SAVE plan as I have been trying to get onto. 

In addition, they suddenly and without my consent put me onto a standard repayment plan called 'level ' payment and threw me into repayment. I work for a non-profit and am participating in PSLF which requires me to be on an IDR plan, I can't be on a standard one because it won't count. I called yesterday XX/XX/XXXX and was given a total run around by a trainee after asking to speak with a supervisor. The trainee said I'd stay in forbearance until next month and to call again then if the application isn't processed. 

I'd like to add that I called the second they opened and was told I'd have a 1 minute wait time which turned into 45 minutes before the call was disconnected. The 2nd time I called after having been on hold that entire time, the wait time was over an hour. However this is light compared to other attempts to reach them and its over 200 minutes to wait. At this point they turn off the call back option and you either wait the time or can't talk to them! This has happened to me on multiple occasions. 

I just want to get on the SAVE plan and complete my payments to be done with this crooked company. Every day that they push off these applications and put people in forbearance, it is more money in their pocket as interest is accruing, it feels criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Bright Capital Inc
State: FL

Complaint narrative:
Hello, For a period of time I had an acct with this company. They require linking of your credit and debit cards plus an ACH from your bank. This is supposed to be so they can move a small portion from your bank acct every so often into a savings acct for you. The issue is now that I no longer do business with this company, it has been IMPOSSIBLE to fully cancel. I have called, they have a recording that says to send an email. I emailed for months and finally got someone that said they would stop the charges and close my acct. They stopped withdrawing money from my bank for a few months but now they're doing it again and now I'm back at square one. When I spoke to my bank ( XXXX  ) they told me to reach out to the entity for a resolution since it is an ACH. You know how that's been going. I just want to have peace of mind with my banking and end this terrible, regretful business relationship with Bright Money. Imagine this, every few days 2 charges from a company you don't do business with is taking money from your acct a few cents at a time. XXXX cent here, XXXX cent there. That isn't a major amount of money but it's mine just the same. Please please please help me bring an end to this terrible situation and prevent others from experiencing the same. I have the emails from several of their employees claiming to be able to stop these charges and cancel my acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX has been tying to help me get Experian to lift the freeze on my credit report, so they can grant me a mortgage to buy a house. Ovef three weeks ago, a letter was sent overnight to Experian. As of yesterday, XX/XX/XXXX, the credit report was still not available. 

Time is of the essence -- I don't want to pay a higher interest rate. I will also be calling XXXX XXXX 's office, this morning, because at this poiint, Experian is negligent in complying with Federal laws.

I am requesting your urgent and immediate assistance in getting Experian to comply with Federal laws.

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 2023-11-07 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: MD

Complaint narrative:
I have asked the credit reporting agencies to properly update my information I provided. accounts just poping up reporting inaccurate and lowering my credit worthiness score. with credit score being such a key factor in companies approval process this has now become harmful to me and my family. they have not done any updates to my credit profile.

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 2023-11-07 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX placed a hard inquiry for what appears to be a XXXX account. I did not sign up for anything at XXXX, nor did I apply for a card. This inquiry happened on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MD

Complaint narrative:
Kindly review the documents provided. I implore the bureau to start an investigation into these accounts, which erroneously depict me as late, despite my record of punctual payments.

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 2023-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
This is the email I sent to Mr. Cooper which has 4 complaint issues : " I need a phone number to speak with someone at Mr. Cooper regarding multiple issues with your company. I've tried 6 different numbers, including the one on your website and your social media page, NONE WORK! 
Mr. Cooper unfortunately, took over my mortgage from XXXX XXXX a few months ago. Since then, I've had nothing but headaches from your company! 

1. ) I received a call, and an email from my home insurance company ; YOU have not paid my insurance bill via my escrow, it's now late and I'm being threatened with policy cancellation by the insurance company! 
2. ) I received a text message from Mr. Cooper at XXXX about a system outage. If you can't figure out a proper time to send out tests, remove me from your notification list! XXXX is not acceptable!!! 
3. ) I received an email from Mr. Cooper regarding a cyber security attack. I've had zero information since then .... Has my information been compromised?!?!?!?!????? 
4. ) When you took over my Mortgage a few months ago, you performed a 'hard pull ' on my credit. This has dropped my score XXXX points. I did not ask for my mortgage to be transferred and I certainly did not authorize a hard pull on my credit. Get this removed now. 

I will be filing complaints with XXXX my AG 's office and CFPB if I do not receive a phone call from a Mr. Cooper representative today. 
My contact info is below, I will expect a phone call today. 

I inserted my name address phone number here

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: DISCOVER BANK
State: GA

Complaint narrative:
I started a application with Discovery Home Loan on or about XXXX for a home loan for home improvements. All my personal data along with my wife personal data was retrieved by several Agents that wrongfully submitted application after application. This was a systemic XXXX process to deny my application when I was approved, but when these other applications being submitted without my acknowledgment caused my initial approved application to become voided. Several agents in several states maliciously with knowing information intent to discredit and deny my loan application. I have several names and documents to support my allegations. This type of systemic discrimination and bureaucratic racism is long over-due as to being CORRECTED...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed this item numerous times in the last years, Experian and/or creditor fail to investigate the matter and just brush me off with canned response that the information has been verified but fail to provide proof and method of validation. Creditor has demonstrated inconsistent reporting as seen in the attached 3 bureau report that I have high lighted the inconsistency across the 3 major credit bureaus that demonstrates the creditor 's inconsistent reporting, FAIR CREDIT REPORTING ACT/REGULATION V Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. This inaccurate reporting is affecting my ability to obtain credit as seen in the attached adverse action letter from XXXX XXXX. In the adverse action letter from XXXX XXXX it states a late payment within the last 12 months when the account has been closed but the way the it has been reported is incorrect. 

FAIR CREDIT REPORTING ACT/REGULATION V Section 623 of the FCRA and Regulation V state that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. This inaccurate reporting is affecting my ability to obtain credit as seen in the attached adverse action letter from XXXX XXXX. 

I would like to obtain the method of validation of the investigation along with any/all 3rd parties used to conduct the investigation along with dates and names ( or other means of identification ) of the individuals that worked on the investigation from the Experian. 

XXXX XXXX and Experian are not in compliance with METRO 2 guidelines as seen in the attached 3 bureau credit report.

See updated 3 bureau report Experian is the only Credit Reporting Agency still reporting the erroneous item.

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 2023-11-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: OH

Complaint narrative:
Mohela randomly put my loans in forbearance and now i have interest i owe because of this. They did not give any reason and now they are impossible to get in contact with. My loans before covid were {$150.00} and now i somehow owe over {$500.00} a month and you cant get in contact with anyone and even trying to reevaluate the payment has been impossible to understand and now says its delayed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2023, my wife and I went to Fifth Third Bank on XXXX XXXX XXXX in XXXXXXXX XXXX to open a 5-month CD and sat with XXXX XXXX XXXX Personal Banker I who did the paperwork to open this account. As you can see by the attached letter we received from Fifth Third dated XX/XX/2023, it shows that our CD maturity date was XX/XX/2023 ( today ) and the redemption value is {$12000.00}. We went into the bank to pick up our cashier 's check today and close out the CD account, XXXX XXXX told us the amount he showed we were to be paid was {$12000.00}. We showed him the letter we received with the amount we were due as {$12000.00}, they were shorting us {$12.00}. XXXX called his manager over to assist him, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX could offer no logical explanation as to why the amounts were different. He told us it would take a couple/few days for them to try to figure it out and then would call us to come in and pick up our check. ( Attached is his email to us with his " explanation '' ). We told him we wanted interest for each day after XX/XX/XXXX since we wanted our redemption check today, and they were unable and could not provide us with OUR money! The incompetence that the employees at Fifth Third Bank have demonstrated has left us speechless. They are holding our money hostage because they can not figure out how to get us the amount due us since their computer is showing a different amount! How can a bank, any bank, be permitted to NOT return a customer 's money? This is a form of theft that should not be tolerated whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief