vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I have filed no less than XXXX complaints against Nelnet with CFPB. Stop closing them as Nelnet has not resolved anything! They have my name wrong and did from the get go, despite Great Lakes having my correct name when they sent it to Nelnet. I had Great Lakes for years. They have had my XXXX application since XX/XX/2023 and STILL have not porcessed it. They keep responding to the CFPB which wrong and false information. CFPB keeps closing my complaint with nothing corrected. Nelnet keeps asking me for the same documents I already uploaded over and over on their website. Their gross incompetence is something XXXX should fine them for like XXXX! Why does XXXX not fine Nelnet? I applied for XXXX XXXX program as a government worker. They keep telling me to apply when I already have. They refuse to use the legally mandated XXXX despite my having connected my IRS account to Nelnet. CFPB has never done this before where they hit closed on a case that isn't resolved! If this is happening to you as a fellow loan holder, report Nelnet to XXXX and CFPB until they get the fine XXXX has for gross incompetence. It is unfair for me and others like me holding student loans to keep dealing with this mess! They send me letters full of false statements. Hold them accountable. I will continue to file complaints until CFPB stops closing them! This isn't resolved at all and Nelnet needs to be held responsible for what they did and are still doing to me..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: OH

Complaint narrative:
I attempted to use a check I received from my bank to move my money into another account and the check declined and my bank kept the money it disappeared from my account and was never seen again. The banks Name was Skylight One NetSpend.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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. 


XXXX XXXX XXXX # XXXX, has violated my rights.

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 an 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 2023-11-21 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: MS

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. 


XXXX XXXX XXXX # XXXX, has violated my rights. 

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 an 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 2023-11-22 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: IL

Complaint narrative:
I am writing to dispute and request the removal of multiple payments incorrectly reported on my credit report. According to my credit history, there are instances where multiple payments have been recorded for the same account, which is in violation of the Fair Credit Reporting Act ( FCRA ) and the guidelines set forth in 15 U.S. Code 1666b - Timing of Payment.

In the case of Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), it was established that inaccurate reporting of multiple payments can result in a misleading representation of an individual 's creditworthiness. As a consumer, I have the right to accurate and fair reporting of my credit information. 

1. XXXX  XXXX Account # XXXX Please remove inaccurate late payment. Account paid as agreed 2. XXXX XXXX  Account # XXXX Please remove inaccurate late payment. Account paid as agreed 3. XXXX Account # XXXX Please remove inaccurate late payment. Account paid as agreed 4. XXXX Account # XXXX Please remove inaccurate late payment. Account paid as agreed 5. XXXX XXXX Account # XXXX Please remove inaccurate late payment. Account paid as agreed I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: IL

Complaint narrative:
On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date the only response that I have received was a computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 


XXXX ACCOUNT # XXXX PLEASE DELETE OR I AM SEEKING LITIGATION. 



XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT # XXXX PLEASE DELETE OR I AM SEEKING LITIGATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: GA

Complaint narrative:
MOHELA the commercial dot com company being used to service federal student loans, is sending out confusing and erroneous billings that are hap-hazard and erroneous. 

The education department has withheld payment to MOHELA ( see attachment ), due to the lack of accurate billing and the instantaneous defaulting errors. The problem however is much deeper than has been acknowledged. In their haste to respond, MOHELA did not apply IDR plans to the billing. And as such expose students to high potential of default. 

MOHELA is sending out billing statements that do not reflect any XXXX XXXX XXXX ( XXXX ) plan loan recipients adjusted billing. By not billing according to the established XXXX plans that loanees may have accepted, MOHELA is again creating the foundation for default. The reason students accepted the Income base repayment plan was because mathematically they could not afford payments on low incomes. MOHELA is ignoring the repayment plans and are billing full amount, increasing potential for defaults. 

My Loan ( s ) were put in IDR in years XXXX to Current. I also agreed to automatic recertification ( see attached ) which allows the Federal Government to review my tax filings each year and adjust my payment schedule amount according to my income. Loans from all years are bundled into a single payment which is based upon my Income. 

The Federal Government via the Education Department has notified MOHELA of the IDR but MOHELA has not acknowledge it in billing. Additionally, because MOHELA was delinquent in its billing I was forced to send a payment to the XXXX XXXX XXXX department for the Month of XX/XX/XXXX ( see attached ). Typically, the XXXX XXXX XXXX Department will forward any Payments within 30 days to Commercial Loan servicing companies like MOHELA, who has not sent any acknowledgement of the payment and how it was applied. 

In remedy, MOHELA should send billing according to the XXXX plans, which they have not done. All prior billing should be cancelled because of the error of the billing which did not apply the XXXX plans. Future billings should acknowledge the XXXX plans. No XXXX eligible for the repayment plan should be forced into default because of MOHELAs erroneous billing. 

APPLY ANY ESTABLISHED INCOME BASED REPAYMENT PLAN PRIOR TO SENDING OUT BILLING APPLY THE CURRENT SAVE REPAYMENT PLAN IF APPLICABLE PRIOR TO SENDING OUT BILLING. 
NO DELINQUENCY OR DEFAULT OF PAYMENT SHOULD BE RECOGNIZED UNTIL MOHELA CORRECTS AND UPDATES THE APPROPRIATE REPAYMENT PLAN INTO THE BILLS. 
UPDATE BILLING INFORMATION TO REFLECT THE PAYMENT ( XXXX ) MADE TO FEDERAL STUDENT LOAN ( SEE ATTACHED ) WHILE MOHELA STUMBLED TO BILLING CYCLE.

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 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I Had submitted online loan applications trying to get a loan to help with my bills and my account received and an mobile deposit in the amount of XXXX and upon further review my account was locked due to it being fraud I physically went to my bank and called the numbers that was provided for my account and upon talking to customer service rep I was told that a mobile deposit was made in my name but I never made an mobile deposit in the amount stated above and the loan company that called me asked for my bank account number and routing number and I did not think nothing of it because i thought that was the process of getting an loan the loan was initially for XXXX but the person i talked to whose name is XXXX said that they would make a deposit of XXXX to boost my credit and help me get a bigger loan all they needed was my account information

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 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I called American Express to have a fee of {$29.00} removed from my credit card account, As this is the first returned fee never have I ever had a problem from the date the card opened. American Express states that money was not available in my bank account the time they wanted to draft a {$100.00} dollar payment so a returned fee of {$29.00} was applied. I found that this was inaccurate I had more than enough money for them to draft now they have a freeze on my card and my payment of {$100.00} has already went through. American Express is showing unfair practices towards me the consumer. 
I want the fee of {$29.00} waived. 

The payment was made on XX/XX/ and they show the above returned payment was XX/XX/ how can that be. The payment already credited my bank account same day of XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: MA

Complaint narrative:
I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Inquiry Details : -- -- -TransUnion XXXX -- XXXX XXXX XXXX XXXX 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 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
I called Affirm XX/XX/2023. I talk to a Supervisor, XXXX. There are XXXX accounts created without my knowledge from Affirm. One for XXXX and the other for XXXX. They are refusing to give me any information without a phone number. My phone number is not associated with any accounts. I asked them to pull it up with my social security. They are unable to pull up any accounts with a social.. I am at a lost. Someone used my social and name to create XXXX affirm account and there is nothin I can do about it. There should be other ways to get information.. They are saying I owe them but I have no way to pay them, even if I was just paying wanted to off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WV

Complaint narrative:
I file this complaint to compel MOHELA to honor my request to change my payment due date back to the XXXXt of each month. My payment due date was the XXXX of each month prior to the XXXX administrative forbearance. I discovered that MOHELA changed my due date to the XXXX of each month for unknown reasons on XX/XX/2023. I called MOHELA on this date to request that my due date be changed back to the XXXX. A MOHELA representative assured me that my request would be processed before payments resumed in XXXX of XXXX. However, that assurance did not come to pass. In fact, XXXX billing statements have been generated without my request being processed. Such statements are attached. I sent MOHELA the attached email on XX/XX/2023, requesting an update on my request. I never received a response to this email. It should be noted that I never authorized MOHELA to change my due date to the XXXX in any event. I would like my request processed forthwith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like to draw your attention to the account that is erroneously listed as a late payment account. After reviewing my report, I found discrepancies in the accounts listed below. I contacted the creditor to obtain validation of the debt, but they didn't provide any supporting documentation. I request that you provide concrete evidence of the late payment status, and if such evidence is not available, I demand the immediate removal of the negative payment status associated with these accounts from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The company involved is Wells Fargo. On XX/XX/2023, my birthday, while I was in a college lecture with XXXX other people, a {$1400.00} cashier 's check was taken out of my checking account at a branch. I filed a claim for this money as I did not take this money out of my account. I was concerned about being able to pay for my college tuition fees next semester. They informed me that they would do a 10 day investigation into the claim. They told me after the 10 days that there was no error found. I called them to dispute the matter further as I am 100 % sure it was not me. They gave me the name of who the check was written out to, XXXX " XXXX XXXX ''. During the time that the check was taken out on the XXXX, the bank XXXX XXXX department called me and informed me that they had caught and blocked an attempted {$400.00} online transaction using my checking account. While I was on the phone, whoever stole my identity was at the bank branch getting the cashier 's check, as they said it happened at XXXX PM, the same time that I was on the phone with the agent. They told me that the device that attempted to make the purchase had an IP address in Texas. I live in California and have never been to Texas. After further researching the name that was written on the cashier 's check, XXXX " XXXX XXXX '', I found an account of a female with that name on XXXX. Her location was listed as " XXXX, TX ''. After trying to further dispute the claim that this was not me after their 10 day investigation, they informed me that the XXXX would give me a call within XXXX business days to explain the closure of the claim. It has been XXXX business days later and I have still received no phone call. I will be dropping this immoral bank, and I suspect them of simply stealing my money as they have been shown to do with customers recently. Customers online have stated they do not trust this institution and they have been terrible at trying to help me get my hard earned money back. I'm XXXX XXXX XXXX, in college full time, and watch my money closely. Please investigate these crooks. People who I have no knowledge of have stolen my money!

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