vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 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: DC

Complaint narrative:
My federal student loans were transferred to Mohela earlier in XXXX  because I am on PSLF. I have been working toward PSLF for years and have been on IDR during that entire time. On or around XX/XX/, I submitted an application for the SAVE program in order to lower my monthly payments while remaining on a qualifying IDR plan. As of XX/XX/, Mohela still hasnt processed my SAVE Plan application, and despite several calls and requests for information refuses to give me any information about its status, when it will be resolved, etc. My administrative forbearance expired in XX/XX/XXXX  and Mohela sent me a billing statement, despite not having processed my application for several months through no fault of my own. After 2 phone calls, Mohela agreed to extend my administrative forbearance through the end of XX/XX/. I was promised that the forbearance meant I would not have to pay the bill issued for XXXX. However, I got notice in early XXXX that my account was removed from the IDR plan I was on and now Im on a fixed payment plan that is beyond what I can afford. I called Mohela and they could not explain to me why I was removed from my existing IDR plan while my IDR/SAVE Plan adjustment was still being processed. I was told by Mohela it didnt matter because my IDR/SAVE application would eventually be processed ( but they had no time estimate or information about why its still pending ). Mohela said they could not put me back on my prior IDR plan, or why it changed in XXXX despite me submitting my IDR  adjustment application in XXXX. Now, the XXXX payment date passed and, despite being told I would be in forbearance, my account now shows that I am past due on that payment. I called Mohela again and they have no information on my IDR application status beyond pending/processing. It is unclear if they can get the past due removed from my account. If my SAVE application is for some reason denied I wont be able to afford my payments and I will not be meeting the PSLF criteria because I was removed from my prior IDR plan. And if my SAVE application is still not processed in XXXX when my forbearance is up, I will be facing a bill I can not pay through no fault of my own and a month of payments that does not qualify toward my PSLF forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: VA

Complaint narrative:
XXXX XXXX reported an account that does not belong to me. 
I have requested proof of debt validation 1. Original Contract 2. Proof of Payment history 3. Debt Validation Nothing has been resolved and it continues to show up on my report

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 2023-12-27 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: IL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-12-27 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: LD Holdings Group, LLC
State: IL

Complaint narrative:
In accordance with the fair credit reporting act these creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681 section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These consumers are all in violation of my rights. The credit card accounts are not open end plans which they should be. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX IRA funds for my sister XXXX XXXX XXXX Upon XXXX 's death her IRA funds were to be distributed equally between XXXX 's XXXX siblings, one of whom was me, XXXX XXXX XXXX XXXX. I and my husband have worked for months to arrange a transfer of those funds to my XXXX account, but XXXX has repeatedly found excuses to not transfer the funds i.e. keep the funds. XXXX representative XXXX XXXX stated that if we were to open an account at XXXX, the transfer would be easy. This appears to be a crass attempt to keep the funds at XXXX. In desperation we have surrendered and opened an account at XXXX. Mean-spirited way to act, in my humble opinion. Also my other siblings have not been paid either. 
XXXX XXXX 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 2023-12-27 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: TX

Complaint narrative:
I reviewed my credit report and noticed some inaccuracies. The consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their agility with maximum accuracy. I was not XXXX  days late on the account ( XXXX ) in XXXX of XXXX  as reported by Experian. The second error is the Past Due Balance on this account is incorrect and should reflect {$0.00}. Please investigate and provide proof of the inaccuracies that have been reported. If proof can not be provided, I demand that this information be updated or the account be removed from my credit report. Thanks, Please see attached.

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 2023-12-27 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: IL

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXXXXXX  I submitted a payment to Capital One Auto Finance using a personal checking account for a payment due XXXX XXXX. 

I received a phone call today XX/XX/XXXXXXXX  stating that the payment was reversed and the payment is now 32 days late. 

The funds are still sitting in my account. Apparently Capital One failed to submit the payment because the bank where the funds are coming from has no evidence of any withdrawal attempts from Capital One Auto. 

I believe this is intentional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called Capital One in XXXX to update my autopay information. The representative updated my 3 accounts and said all is taken care of. I called in XXXX to find out why I was charged past due fees. I was informed only then that all 3 accounts were closed due to Returned payments and that no payments were being processed from the updated and correct bank account. Capital One has refused to reopen my accounts and have stated that it is not a legal issue that would warrant the CFPB to get involved. I have been a customer of Capital One for 10 years and devastated about what this is going to do to my credit history. They provided no clarification or assistance whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Have been trying to use amex gift card no sites take it but when I call Amex they say card is active, I have a gift card for {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I'm writing to express my formal dissatisfaction with the management of my recent funds transfer from my external account to my capital one bank account. I believe that the bank 's actions in this situation are not only improper, but may possibly be in breach of banking regulations. 
On XX/XX/, I initiated a money transfer with the reference number XXXX from my external account ( XXXX  XXXX XXXX ) to my capital one account. The monies were swiftly debited from my external account, and I anticipated that they will be available in my capital one account within a fair duration. 
When I checked my capital one account, I realized that the transferred monies were being held without reasonable explanation after giving me a fishy notice. Because I rely on the rapid availability of transferred funds for important expenses, this scenario has caused undue financial hardship and discomfort. 
I read the terms and conditions of my capital one account agreement and can not see any acceptable basis for the excessive delay in transferring the monies. I'm worried that this delay would not only cost me money, but will also violate banking standards on the timely availability of funds. 
I respectfully request that you investigate this situation as soon as possible and provide a clear explanation for the hold on my transferred monies. Furthermore, I request that the cash be released immediately into my Capital One account, as the delay is causing me problems. If you have any specific concerns or reasons for the hold, please explain them in writing, along with any supporting documents. I anticipate a comprehensive and speedy resolution to this situation, since any longer delay may entail legal action to safeguard my customer rights. 
Please acknowledge receipt of this complaint within three business days and provide a timetable for resolution. I appreciate your attention to this situation and I anticipate a prompt and equitable resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: CA

Complaint narrative:
-Received collection notice on XX/XX/XXXXXXXX  for {$4000.00} -Debt is connected to a XXXX account that was opened fraudulently in my name -Contacted XXXX on XX/XX/XXXXXXXX  who opened a case and put hold on account. XXXX claimed they would contact me back within 72 hours and have yet to do so -Contacted American Coradius International ( debt collector ) who returned debt back to XXXX . 
-Filed police report with local Police Department on XX/XX/XXXXXXXX  -Contacted XXXX on XX/XX/XXXXXXXX  who refused to share information on who at XXXX was handing the fraud case, and turned me towards local police department for investigation. 
Contacted local police department on XX/XX/XXXXXXXX  who said they would not investigate and no ability to contact XXXX XXXX allowed someone to open an account in my name without checking my identity or credit. XXXX then allowed banking transactions to flow in and out of the account and will not provide any detail to investigate or allow me to access their investigation teams to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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:
The following companies have been issued a Cease and Desist because I do not owe them anything and what they are trying to collect on I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: TX

Complaint narrative:
The following companies have been issued a Cease and Desist because I do not owe them anything and what they are trying to collect on I do not owe.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: NJ

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-12-27 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: IL

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-12-27 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: FL

Complaint narrative:
A data breach occurred at Equifax which I am a victim of. I have attached the confirmation of said breach which Equifax has admitted I was a victim of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: NE

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
This is a supplement to complaint XXXX. 

In addition to my concerns about the lack of disclosure of the biweekly payments not being applied to my mortgage, on XX/XX/XXXX ( at like XXXXXXXX XXXX ) my second biweekly payment of {$2500.00} was taken from my XXXX account through XXXX 's autopay. It did not show on XXXX 's website until XX/XX/XXXX and it says the amount of {$4900.00} ( on a total payment owed of {$4400.00} ) is STILL not applied to my account even a day after the mortgage payment has been made in full. As of XX/XX/XXXX, it says " Partial Payment ( Unapplied ) {$4900.00}. '' The chat representative XXXX XXXX said the only say to apply the money the same day is to make the payment all at one time. But that makes zero sense and there is no such disclosure in the biweekly payment sign-up option. So XXXX is keeping my money ( and the money of everyone similarly situated ) and earning interest on it while charging me more interest and not crediting my account. This is deceptive and almost certainly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX2023 I paid off the entire remaining due balance of my student loans on Nelnet, a total of XXXX. I ensured group ID was selected for ALL to ensure my full payment was allocated to each loan group and each would be paid off in full. My Nelnet ID account number is : XXXX. I have attached proof of this payment. I have confirmation that the full payment was taken out of my bank account as well. 

Of my full payment to my student loans, Nelnet only applied {$26000.00} to my principal. My payment in full was incorrectly allocated which led to an incorrect remaining balance due of {$61000.00}. Somehow, {$68000.00} was applied towards my group XXXX loan, yet the loan still has a remaining principal balance of XXXX. Only {$410.00} was applied towards my group XXXX  loan, yet the loan still has a remaining balance of {$31000.00}. I have attached screenshots of this as well. Since this error, these loans have still been incorrectly accruing interest. 

I spoke to a NelNet manager on XX/XX/XXXX23 named XXXX XXXX employee ID : XXXX ) who could not give me any information on how or why this happened. I paid my loan in full correctly and he admitted this was a clear, egregious error in their system. Also, he could not tell me exactly when their accounting department will fix this error. While they are not urgently fixing their error, my incorrect remaining balance is accruing interest. I have attached screenshots of this as well. I have tried to call Nelnet multiple times, and have received no update on when this will be corrected and each time I have called has been over a 2-hour wait time to talk to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: LEXISNEXIS
State: TX

Complaint narrative:
I have placed a Security freeze with Lexis Nexis and XXXX in XX/XX/XXXX but upon reviewing my report, I see that they have still provided information to and responded to " inquiries '' sent to them beyond this date. On XX/XX/XXXX 2023 I have also requested a suppression/opt out of all personal, financial, contact and locate information via Lexis NexisXXXX/all other subsidiaries and affiliates pursuant to my rights under 15 U.S. Code 6802, 16 CFR 313 and its subparts.

In addition, 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: UT

Complaint narrative:
I have been sending dispute letters to Experian. For months, they dont send results. I call and they said dispute results are in the Experian app. However, the Experian app wont let me in! I have tried resetting my password but it keeps telling me that the phone number I have entered doesn't match the one they have on record. This is my phone number and has been my phone number for at least 20 years. I called Experian about it, and they cant figure it out nor will they mail my dispute results. If they could help me login to my Experian app, the problem would be solved.

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 2023-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I tried to dispute with collections company about early termination fee. I sent a copy of Resident notice of intent to move out form, which clearly has the box checked that states ( we approve the move out date that you submitted in your notice of intent to move out and your lease term will end on that date. So how are they trying to charge me for early termination fees?

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