vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
On XX/XX/XXXX I deposited {$100.00} to my Ally account They advised that I needed to make a deposit and clear it up which I did on XX/XX/XXXX the bank closed my account with no notification and wrote off my account and made it a collection after they gave me the {$100.00} overdraft/line of credit they closed my account in error and I never knew was closed til I logged into my account on line which did not make sense they advised I had a certain amount of time to make it current and paid it weeks ahead of the specified time but closed it anyway and put my account in a right off status after giving {$100.00} overdraft which was a complete error in closing.

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 2023-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CT

Complaint narrative:
I was informed by my mortgage lender that Nelnet reported XXXX student loan debts in my name. One loan was reported in XX/XX/2023 in the amount of {$47000.00}. The second loan was reported in XX/XX/2023 in the amount of {$71000.00}. The {$47000.00} loan was reported inaccurately by Nelnet and is part of the {$71000.00} student loan. I contacted Nelnet by email and disputed the report. I also spent approximately XXXX hours on the phone this evening with Nelnet. The representative at Nelnet said that Nelnet is aware that the amount was reported inaccurately as they have received other complaints from other consumers as well. However, Nelnet refused to provide me with a letter stating that Nelnet inaccurately reported my student loan debt. I am in the midst of closing on a mortgage and the lender will not allow the loan to close without Nelnet addressing this issue in writing. I have sold my house and as of this Saturday, XX/XX/2023, I must vacate my current residence and I will be HOMELESS with XXXX dogs until Nelnet corrects their error or at least provides me with a letter clarifying that they made an error in reporting my student loan debt. I explained to the rep at Nelnet that I am XXXX and will not have housing after this Saturday because of Nelnet falsely reporting, and failing to correct, the inaccurate report made by Nelnet to all of the credit bureaus. Nelnet 's response was that it could take up to 60 days for Nelnet to correct their credit reporting error. Therefore, I will be homeless for XXXX plus days?!?! This is unacceptable! I am seeking assistance in getting this matter resolved quickly in order to help me, as a XXXX adult with a XXXX XXXX, retain stable housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
On numerous occasions throughout the years, I have reached out to my servicer to understand my loan program as well as how interest accrues and was never provided with the correct information or put on the correct program. My loans continued to accrue interest when i was told that they would not. My balance increased on the back end even though i qualified for XXXX or minimal payment based on employment status and income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
My original loans were through Mohela. I consolidated my student loans. Mohela remained the servicer, while XXXX facilitated the consolidation. When I first applied for the consolidation, it was approximately XX/XX/XXXX. Only half of my loans were consolidated. I filed the paperwork in XX/XX/XXXX to have the other half consolidated. The process was completed in XX/XX/XXXX. My loan account now shows the correct amount but the interest rate is incorrect. It shows 6.375 % but it should be 6.0 %. I reached out to both Mohela and XXXX in XXXX of XXXX, at first both just pointed fingers at each other or said to wait XXXX more weeks until resolution. I then wrote out the below statement in email to XXXX. At this point, they wrote back to me that they had indeed sent the correct 6.00 % and correct amount over to Mohela. I am now speaking to Mohela who refuse to assist me, saying the loan rate should be XXXX. '' " Original consolidation was only my Grad plus loans at {$160.00}, XXXX at 6.375 %. The second half added into the consolidation, was the unsubsidized portions of the federal aid, {$180.00}, XXXX at 5.50 %. 

There is {$6800.00} in accrued interest prior to the covid interest pause. Its between a few different loans but for my math I just assumed it was the highest rate of 7.6 %. 

My loan window shows {$350.00}, XXXX at 6.375 %. The amount is correct but the interest is wrong. I believe when it was consolidated, the interest rates of the unsubsidized loans were not factored or taken into account. The weight averages of the loans is about 5.95 % from my math, which means the loan should be a rate of 6.0 %. 

Below are the original loan disbursements. 
Grad plus ( 6.28 % {$54000.00} ) ( 7.60 % {$7600.00} ) ( 7.08 % {$37000.00} ) ( 7.08 % {$12000.00} ) ( 5.30 % {$54000.00} ) Un-Sub ( {$43000.00} 5.280 % ) ( {$47000.00} 4.300 % ) ( {$44000.00} 6.079 % ) ( {$44000.00} 6.595 % ) " I have spent XXXX hours on the phone and trying to write emails to both companies. I feel they will just continue to kick the problem down XXXX XXXX and provide no assistance. Most recently, today - XX/XX/XXXX, I spent an hour on the phone before the agent said she was transferring me directly over to speak to someone else, I ended up being sent to an empty hold room that was never answered after waiting for additional XXXX minutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
i have inquiries on my credit report that are not mine

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 2023-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tesani Management Inc
State: UT

Complaint narrative:
In XXXX, I obtained a payday short term installment loan with Lift Credit. The original loan amount was {$1900.00} and I made total payments of {$1400.00}. During XXXX I assumed the care of my dying mother. I contacted Lift credit many times requesting assistance in stopping interest charges, paying off the principal, etc. at each contact point I was ignored and told it would continue to accrue interest and ultimately become a legal matter. This loan was requested during a very difficult time and I never anticipated such devastation as a result. My mother passed away in XX/XX/XXXX. Additionally my son was diagnosed with a XXXX XXXXXXXX and the medical expenses and debts have ballooned to over {$15000.00}. Despite sharing these challenges with Lift, they would not negotiate, provide a reasonable compromise, but instead threaten legal action and demonstrate no care in the devastation this predatory loan has now caused. So much so, I am considering bankruptcy relief. Lift filed a small claims case and without any options to defend myself, they received judgement of over {$8000.00} with a repayment of {$430.00} per month. I do not have the money to make payment without sacrificing the care of my son, servicing of my debt and maintaining monthly housing and utility expenses. 
In summary, Lift has demonstrated predatory lending practices ; both in the origination, collections and lack of maintaining and adhering to their website advertisement stating Lift Credit provides same day, installment loans to residents in XXXX XXXX XXXX  and XXXX. Regardless of credit standing, we offer significantly lower rates than payday lendersgiving a financial solution to those who need it most. And online installment loans to lift you higher. Their site is also flooded with misleading reviews and testimonials. At an interest of 382 % annually, the ability to service this loan should a borrower experience continued financial hardship, it quickly grows from a modest loan balance to 4 or 5 times the original loan. The end result is devastating to an average consumer. Lastly, during the collections process, the lender communicated via text and did not made a proper collection notification disclosure. In violation of collection laws. I was also refused a principal payoff to cease the interest charges. Again, an example of predatory lending, unfair and deceptive marketing and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
The following unauthorized hard inquiries:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I applied for XXXX for XXXX XXXX in Navy Federal bank because XXXX XXXX XXXX member in Louisiana they charge me over and over and a purchased was authorized on my credit and I called to stop payment ( stop order ) from that customer and they charge me over again and they won't fix the rate I'm still XXXX XXXX and they charging me over 18 % I can't afford all that stealing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed. This is not only effecting myself, but my children and family as well. 

I sent the a letter by on the XXXX of last month. Today is the XXXX of XXXX and still, no response or changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I'VE BEEN HAVING ISSUES WITH ACCOUNTS REPORTING ON MY CREDIT REPORT THAT WERE DUE TO FRAUD. I'M ATTACHING MY FTC REPORT ALONG WITH MY POLICE REPORT FOR THIS ITEMS TO BE DELETED.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, 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:
I am writing to dispute some information that I believe was added to my credit report without my knowledge or consent. These are potentially the results of identity theft and should be blocked and deleted from my report immediately. The details of these accounts are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a reporting balance of {$2200.00}. I WISH TO EXPRESS THAT I DID NOT OPEN THESE ACCOUNTS, NOR HAVE I AUTHORIZED ANYONE TO DO SO ON MY BEHALF.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, 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: NM

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.

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 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 2023-07-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nelnet, Inc.
State: CT

Complaint narrative:
I am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive and deceptive practices in an attempt to collect an alleged debt. 

I hereby demand that you immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and I will not tolerate any further harassment or misconduct. 

Furthermore, I exercise my right under 15 USC 1692c ( c ) to request the removal of any and all information pertaining to this alleged debt from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent. I hereby withdraw any previous consent you may have had and demand that you cease reporting this debt to Please consider this letter as a formal notice of my intent to take legal action if your agency continues to engage in abusive or deceptive practices. In pursuant to 15 usc 1692k I will demand XXXX per each violation, I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. All future communication regarding this alleged debt should be directed to me in writing at the address provided above. Phone calls or any other form of communication will not be accepted. I expect your immediate compliance with this cease and desist notice. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
In accordance with the fair credit reporting act Indigo credit card has violated my rights 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
My Bank of America account has a negative balance of {$35.00} from fees only, not from overdrafts. I want to close the account, but Bank of America will not let me close it while it has a negative balance. They have frozen my account so that I can not add money to bring it back to a XXXX balance. Repeated attempts to close the account have resulted in more than XXXX XXXX  on the phone with no resolution. I live on XXXX XXXX and there is no local Bank of America branch here. I have an email stating that the account has been closed, but I just received another statement with a negative balance that is increasing. I just want to close the account because I had the account for years and never used it, but still they drained hundreds of dollars in monthly maintenance fees. Once I became aware of the fees and reached out to them, they did not offer me a no fee account. I just want to be done with this Bank. They are not helpful and they are predatory in my view.

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 monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I just started to look more closely into all three of my credit reports and I noticed a lot of negative and false information and accounts on all three that are not correct. Starting with XXXX credit reporting I have 3 hard accounts that are against that report and 2 soft accounts that are affecting my score as well. I have tried to send letters to them stating that they were going against the FCRA codes, the exact codes they are going against is 15 USC 1681 Section 604 as well as 15 U.S. Code 1681n ( b ). Those account amounts that are affecting my score is {$2500.00}, {$1100.00}, {$920.00}, {$550.00}, {$700.00}, {$490.00}, and {$6500.00}. Everything I sent them proving this violation came back as verified and they would not help me fix them. Now, going into Equifax credit reporting I sent the same letters and the violations they were going against which are the same laws as stated above for XXXX and they all came back verified as well. Those amounts that are affecting my report for equifax are {$2600.00}, {$500.00}, and {$200.00}. Lastly, XXXX is going against the same rules as stated with the other credit bureaus and all came back verified as well. Those amounts that are affecting my score are {$2500.00}, {$1100.00}, {$920.00}, {$550.00}, {$700.00}, {$490.00}, and {$8.00}. I have sent letters to all three bureaus stated above with the account amounts and the laws against them and nothing has been done about it. I am just trying to get my credit score up to buy a house for the first time and be able to eventually get a loan or credit card. I have XXXXXXXX XXXX children and just went through a terrible divorce and just want all these items fixed immediately so I can move on with mine and my children 's lives,

Company response to consumer: Closed with explanation