vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have filed a dispute with the credit bureau agency Equifax on XX/XX/XXXX regarding a public record regarding a bankruptcy that is inaccurate and unverifiable On XX/XX/XXXX that my investigation was complete and the results were that it was verifiable and that it would remain on my credit report for another 5 years which has impacted my credit score very much and this is said to be verified through a third party Vendor known as XXXX XXXX this is stated in the documents from Equifax. However on XX/XX/1923 I received a couple letters from XXXX XXXX one stating that the disputed information on the public record on my file regarding this bankruptcy was investigated and came to the conclusion of it being unverifiable A second letter that I received on XX/XX/1923 stated that they would file a dispute on my behalf or had filed a dispute on my behalf with the credit agency Equifax however on XX/XX/XXXX Equifax came to the conclusion of my dispute and named the method of verification being XXXX XXXX. I had talked to a representative At the XXXX XXXX XXXX consumer number and was assured that this information was Removed from my file. I am beyond tired of these agencies reporting stuff that is not correct not verifiable not true and it having such an impact would like to do much more than just file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: AL

Complaint narrative:
When I completed my application in the terms it stated that I would receive notification from MOHELA to verfiy what loans I wanted to consolidate. I also received the notification when I submitted my application on the studentaid.gov website. I never received a correspondence from MOHELA to confirm and verify the loans I wanted to consolidate before they finalized it. There was one loan that I was wanting to not include after my application submission due to concerns that I had. My total loan balance was approx. {$190000.00}. I had spoke to MOHELA on the phone in XX/XX/XXXX as I was waiting on them to send the letter to verify my loans and consolidation request and was told by a rep that they MOHELA didn't send a loan statement because I had applied for PSLF and needed to consolidate quickly so MOHELA could meet the XXXX deadline. This is what the agent told me as to why it wasn't sent to me. Unfortunately, when MOHELA took possession, my loans totaled {$200000.00}. I first inquired about this on XX/XX/XXXX. MOHELA responded XX/XX/XXXX and failed to address my question and concern. All they sent was a copy and paste to FAQs. I then sent another message XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Every response has been a them ignoring the question. They have requested to me to call, however due to my schedule, their own disclaimer about wait times etc., and me wanting to have things documented I have been clear I would like the information via written as it is an contact option for consumers. They have failed to answer appropriately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: DE

Complaint narrative:
I submitted an application for XXXX and was estimated on the application to be paying {$460.00}, which was my payment amount previously but my loans were removed from that and switched to XXXX according to MOHELA 's website. based on mine and my husband 's Adjusted Gross Income of $ XXXX is accurate. On XX/XX/XXXX I got a notice from MOHELA stating I was approved for XXXX in the amount of {$1100.00}. This amount is nowhere near the estimate and is not accurate based on my income. I was also laid off at the end of XX/XX/2023 and without a job until XX/XX/2023. I also had to take a $ XXXX pay-cut. My payment should be 10 % of my discretionary income. I called MOHELA and spent two hours on hold just to be told they needed to transfer me. After another 45 minutes where the representative didn't even check back with me once, I ended the call with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, I do not live at this address and i do not have a business at this address. According to the fair credit act 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, 15 U.S. Code 6802 ( b ) ( 1 ) In general-A financial institution may not disclose nonpublic personal information to a nonaffiliated third party Also15 U.S. Code 6802 ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I never received any notification saying that my information would be shared and who verified it?

These are clear violations of my federally protected consumer rights.

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 2023-10-30 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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am not liable for this debt with ( XXXX XXXX XXXX XXXX ) I do not have a contract with Portfolio Recovery. The debt listed on my credit report is non-factual/fraudulent I looked at my credit report and noticed an unusual collection that does not belong to me, completely unauthorized. I know that I have in the past lost my personal credentials while job hunting in which I had my social card which is how I believe someone possibly got my information. Please kindly I ask that you remove this collection off my report!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Netspend Corporation
State: WA

Complaint narrative:
I received a debit card from the company. I NEVER signed up for an account with this company and I do NOT know them. I attempted to call and inquire who they were, and what the card was for ( as I have no account with them ). It is impossible to speak to a representative without activating the debit card ( which I do not want ). This entire operation reeks of a scam. 

THE ATTACHED FILE HAS THE ACCOUNT AND ROUTING NUMBERS BLOCKED FOR SECURITY PURPOSES

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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I checked on my CareCredit account on Friday in preparation for a vet visit I had scheduled for today, Monday, XX/XX/23. It said I had {$2000.00} available to spend. I was denied at the vet today and when I called, CareCredit informed me that they closed my account yesterday, XX/XX/23, for inactivity, however I got absolutely no notification or warning that they were going to do that. 

As you know, closing a credit account will hurt my credit score. I can apply for a new account, but that will also hurt my credit score. 

I don't think I should be penalized for paying this off on time, and not having use for it until today, especially since this is a credit card specifically intended for medical, veterinary, and dental services. If I had been warned about the impending closure, I would have used it for services I received last week, and kept it active for this vet visit I had today and the dental work I have scheduled in a couple of weeks. It should be illegal for a credit company to close a credit account for any reason without warning the account holder.

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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
I disputed a charge on my credit card because the service I received was not adequate. Specifically, I had some dress pants dry cleaned and when I received my items back, they were damaged. The dry cleaner offered to dry clean them a second time but that wouldn't repair my damaged pants. As such, I placed a dispute with my credit card company. 

After nearly 2.5 months after I filed my dispute, Discover, the credit card company found the transaction to be valid and closed the dispute. However, I did not dispute that I had engaged in the transaction. I disputed the quality of the service I received. Moreover, I was never contacted by Discover to provide any additional information or details on the dispute before they closed the dispute. Finally, in the resolution email I received from Discover, they stated the following : Please contact the merchant or manufacturer directly for questions about : Inconveniences Disagreements with the merchant 's stated policy Rebates/Reimbursement requests Manufacturer 's warranty Promotional offers Incidental damages related to the purchase Unrecognized in-person Chip transactions None of the above applies to me and I could have told the disputes agent such if they had made contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO bought out Bank of the West. I was told my same login information for Bank of the West would work for BMO. That has not been the case. I have not had access to my accounts since the beginning of XXXX. I can not contact anyone at BMO because I can not give the machine a valid account number because they haven't given me one. I have been to the branch 4 times to no avail. I have no spent enough of MY time fixing THEIR ISSUE. I want access to my account. If any fees have been assessed because I want them returned.

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 2023-10-30 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: FL

Complaint narrative:
Someone applied for credit in my name I know this because I was notified thru credit monitoring and it shows credit inquiries. 
* XXXX XXXX XXXX XX/XX/2023 XXXX * XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  * XXXX XXXXXXXX XXXX  XXXX XX/XX/2023 TRANSUNION/XXXX * XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX and XXXX * XXXX XXXX  XX/XX/2023 XXXX/TRANSUNION XXXX XXXX  XX/XX/2023 TRANSUNION I have called and they said they couldn't give information out, I did not apply for credit or apartment, I am requesting that these be removed.

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone applied for credit in my name I know this because I was notified thru credit monitoring and it shows credit inquiries. 
* XXXX XXXX XXXX  XX/XX/2023 XXXX * XXXX XXXX XXXX XXXX XXXX EQUIFAX/XXXX * XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX * XXXX XXXX XXXX  XXXX XX/XX/XXXX and XXXX * XXXX XXXX  XX/XX/2023 EQUIFAX/XXXX XXXXXXXX XXXX  XX/XX/2023 XXXX I have called and they said they couldn't give information out, I did not apply for credit or apartment, I am requesting that these be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly 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 non-monetary relief
Consumer complaint received 2023-10-30 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: WI

Complaint narrative:
My autopay is set to process each month on the XXXX. For the month of XXXX, the XXXX was a Sunday, so that meant the payment should have processed the first business day thereafter, which would have been XX/XX/XXXX. But on XX/XX/XXXX, I logged in to my account, and it told me three things : - My account was overdue - My monthly balance due was still due, the full regular payment amount - My next autopay date was XX/XX/XXXX There was nothing in my account to indicate that the autopay for XXXX was, in fact, in process. There was a blurb that payments would be appropriately backdated, but there was nothing to suggest that the payment was actually still scheduled for XXXX. It very clearly told me my next withdrawal would be XX/XX/XXXX. 

In a panic ( all too common in these times with student loans unfortunately ), I made a one-time payment on XX/XX/XXXX ( withdrawn from my account the next day, the XXXX ) so that my " overdue '' status would disappear, and I especially did so since there was no pending payment listed anywhere on site. Of course, as you might expect at this point, the autopay payment DID end up processing ( also on the XXXX! ) and was backdated to the XXXX, which would be all well and good except that I had already paid it! 

So because the site could not competently dictate the fact that I had a payment processing, told me I was overdue, and said the balance was due with a NEXT MONTH autopay date, my loan was paid twice. Luckily I managed OK, but a company displaying incorrect information and costing people hundreds of extra dollars out of panic is just simply not OK. Nelnet needs to fix their issues like all other servicers and have payments postponed until they can actually figure out what they're doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.

Complaint narrative:
Ref : missing paper statements and no answer from Citibank This is the second time I am writing to the CFPB regarding missing monthly paper statements from Citibank. I expect Citibank to deliver my monthly paper statements, and to deliver them in a timely manner. 

A year ago I filed a complaint ( attached ) and since then I have received three statements instead of twelve, with a 2-3 months delay. The last one I received on XX/XX/XXXX, for the settlement period ending XX/XX/XXXX, which is 3 months late. Citibank does not fulfill its obligation to deliver the statements, moreover to deliver them in a promptly manner. 

FYI, the letters sent via the XXXX go XXXX weeks from the US to XXXX, and letters mailed within XXXX go XXXX working days. 
Citibank Client Services provides customer account services for Citibank , N.A., offering both paper and electronic statements, and I prefer paper ones. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- A YEAR AGO - attachement XXXX, XXXX XX/XX/XXXX CFPB Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX XXXX COMPLAINT Ref : missing paper statements and no answer from Citibank. 
I have been not receiving my monthly paper statements of Citibank , N.A . since XX/XX/XXXX. I expect Citibank to answer my complaint and to deliver my paper statements in a timely manner. 

Citibank Client Services provides customer account services for Citibank , N.A., offering both paper and electronic statements, and I prefer paper ones. 
I have not received an answer from the Citibank Client Services, to my complaint sent on XX/XX/XXXX, i.e. four and a half months ago. I have written : Please mail them to me ( the missing statements ). Please be advised, that in case of errors or questions, my inquiries may be several months late. Furthermore, your three-month delay is not the fulfillment of your obligation to provide monthly statements. 
Instead, the letters sent by the XXXX go XXXX weeks, from the US to XXXX, and ordinary letters mailed in XXXX go 2 working days. 

Previously, after almost 3 months I did receive the statement for the period ending XX/XX/XXXX. Only after 3 and a half months for the period ending XX/XX/XXXX, and here the adhesive sticker on the original Citi envelope says ( translated into English ) : SENDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), ( private entity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Postal Service, equivalent to the XXXX ) Posted from : XXXX ( XXXX ) Posted on : XX/XX/XXXX I received this statement on XX/XX/XXXX. 

I expect Citibank to answer my complaint and to deliver my paper statements in a timely manner.

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 2023-10-30 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: NJ

Complaint narrative:
I looked upon my credit report and discovered these accounts that need 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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX. 

Did not try to open this card. Want to report 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 2023-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I received a call today, XX/XX/XXXX, from XXXX ID # XXXX at XXXX XXXX XXXX call came from phone # XXXX at XXXX. XXXX stated I had {$27.00} outstanding balance that Pay Pal paid but couldnt tell me who they paid it to or what it was for, he gave me a date of XX/XX/XXXX that PayPal sent it to them for collection but couldnt tell me what date the {$27.00} was from, he gave me a PayPal reference # XXXX then XXXX transferred me to XXXX, she gave me the same statement but added they sent me a letter in XX/XX/XXXX to an address I havent lived at since XXXX, she told me its my responsibility to prove I didnt get the letter??? Makes no sense. I informed her I was contacting you, she informed me this will be put on my credit report and it will ruin my credit. I do not have a PayPal account and never did. I am also a victim of identity theft that started in XXXX and has to this day keeps going.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NY

Complaint narrative:
I submitted a SAVE application on XX/XX/23. On XX/XX/23, Mohela sent me a message and stated that there would be a delay, but provided no other information even though payments were supposed to begin. My previous payment was supposed to be {$170.00}, but under the SAVE program, my payment should be {$0.00}. This is a significant difference and I really need them to process my application. On XX/XX/23, they sent me another message stating that my loan was going into forbearance because they had still not processed my application. This could impact my PSLF payment count and cause me to need to pay more to them. I have sent them multiple messages, asking them to process the application. I have also tried to call them numerous times, but have been on hold for 1-2 hours and unable to get an actual person on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation