vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
It's appears that XXXX is reporting 29 accounts student loan on my credit report which complete the monitor after 3 years of discharge with {$0.00} balance. I contacted XXXX about this matter and stills no response. I planned to resume a legal aide lawyer in this matter if it's not resolved or 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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
VERIFY THE INFORMATION OF THESE ACCOUNTS THAT ARE INCORRECT AND REMOVE THEM FROM MY REPORT, THESE INQUIRIES ARE NOT MINE ALSO. 

INQUIRIES 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 2023-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I have requested all paperwork relating to this loan and repossession and I have received nothing from them. The company never gave me a chance to redeem this vehicle in accordance with 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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX erroneously reported my account 90 days delinquent, and then sold my account to Nelnet, who also duplicated the error by placing the account on my credt reports and reporting 90 day delinquency and they haven't even had the account 90 days. Both acts are erroneous and should be removed. Nelnet should report paying as agreed with no delinquency at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
i have told them to not call my cell job or my spouses job for collections and they called my job any way today XX/XX/23 they also didnt try to help much with reducing payments due to a medical issue i could no longer pay them but the main issue is calling the job when told not to call

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Called about erroneous and inaccurate information on my credit report that was disputed by letter. Never received anything from company to support their decision to leave the information disputed on my report. Representative admitted there was no documentation to support their information, but told me I had to take that up with the company that fraudulently pulled my credit report in the first place cause if the inquiry on my report. Notified individual they are not in compliance with Metro 2 and the FCRA Section 1681b, and stated 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. Representative told me Good Luck! Seeking legal action and hung up.

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 2023-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Automated Collection Services, Inc.
State: WY

Complaint narrative:
Collection Company : XXXX Dates : XX/XX/XXXX - Present In XXXX I went to the hospital and my mom had submitted my insurance. From then I never heard anything from the hospital trying to contact me about the bill, nor did they tell me they had sent me to collections. The only way I found out I had been sent to collections is when I tried to buy a car and the dealership ran my credit and told me I had a collection company trying to collect a debt in my name. If I hadn't try to buy the car I would have never known. 

So, I called the collection company and set up a conference call with my uncle where we agreed on a payment plan of {$58.00} until my total EST amount of ( {$1200.00} ) was paid. I have since learned that I have actually been paying more interest than principle on the debt. They have been allowing me to pay $ XXXX while charging me {$97.00} ( 7 % ) /month. 

I have since called the hospital and paid a settlement fee of {$390.00} on an existing bill to stop the interest on my account in collections and instead pay {$1200.00} to the hospital. 

The problem I'm having was that when I contacted my bank to get my account statements, they tracked my first payment to XX/XX/XXXX. By doing the calculation of {$58.00} x 27 ( months ) = {$1500.00} I should have already paid off my debt. My bill is now estimated at {$1600.00} dollars with the collection company. It has gone up and I've paid over the amount owed. 

IM GOING TO PAY OFF MY {$24000.00} car before I pay off a {$1200.00} debt if they continue to do this to me. 

The hospital told me these people are '' nasty '' and the hardest to work with. I have been getting taken advantage of and really need help with them lying and saying there was no interest and not notifying me of being sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Albert Corporation
State: AZ

Complaint narrative:
I sent money from my checking account via an app called Albert on XXXX, it failed on XXXX  side and it was apparently voided. Albert said theyre looking into it and it shouldnt take more than 3 business days. Its now the third business and Ive heard nothing from Albert, I called XXXX  and the nice lady sent me an email to send to Albert

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: GA

Complaint narrative:
I asked them to remove the unrecognized inquiries but i was ignored.

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 2023-10-16 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: CA

Complaint narrative:
I made a payment towards my student loands on time via Nelnet 's website. I made a payment on XX/XX/23 of {$1100.00} to a loan group. The payment amount due was {$500.00} by XX/XX/23, so my payment of {$1100.00} covered the total due in excess. It is now XX/XX/23 and Nelnet 's website says that my payment is past due. However, the website reflects that my payment of {$1100.00} on XX/XX/23 was posted and applied to my account, and the money has been drawn from my bank account. I have tried to call Nelnet twice, once on XX/XX/23 and again on XX/XX/23 to speak with an advisor to address their error. Both times the hold times were estimated to be over 70 minutes long. I can not get in contact with anyone to amend this issue. I am scared it will start to impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: MA

Complaint narrative:
On XX/XX/2023 I submitted a payment to Nelnet of {$500.00}, with the selection that the payment be applied to all the loans on file with them proportionally. ( See attachment for confirmation email, note the XXXX ID : ALL ). Instead of doing this Nelnet applied my payment to only XXXX loan Group ID : AA. This means my other loans have accrued interest they should not have. I called and talked to a representative on XX/XX/XXXX who said they could not change it but would put a note in my file requesting a higher up to take a look and change it appropriately. A follow up call on XX/XX/XXXX was told by another representative that that note was still there and no action had been taken. My loan payment has been misapplied causing excess interest and higher payments to accrue. 

In addition to this Nelnet also changed the due date for XXXX of my loans ( XXXX ID : XXXX ) from the XXXX of the month to the XXXX of the month, misaligning it with my other loans. This was done with no notification to me and not at my request. The loans have always been due on the same day as each other for the life of the loans. I requested this XXXX loan to be changed back to the XXXX of the month to match what it and the other loans has always been and this has been ignored. There was no communication from Nelnet that this was going to change and they have not changed it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: TN

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My credit reports indicate that there was a late payment error from SchoolsFirst Federal Credit Union. I never been late on any of my statements with them. This late payment error is unfairly bringing down my fico score and I need this corrected right away.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am writing to request the forgiveness of my student loans, totaling {$57000.00}, which I acquired while attending the now-closed XXXX XXXX XXXX My request is based on the grounds of school closure, the ineligibility of my transferred credits, and the disruption this has caused in my education and financial stability. 

I enrolled at the XXXX XXXX with the sincere belief that it would provide me with a quality education and open doors to a promising career. However, due to financial difficulties and the school 's subsequent closure, I found myself in a situation where I had to transfer to another institution. Unfortunately, my credits did not transfer, and was required to repeat another year of study to complete my degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I found out that there are 2 debt collections and credit card accounts under my credit report which are not mine. So I contacted all XXXX credit bureaus ( XXXX, XXXX and XXXX ) and also all the credit card company and debt collections. The thief used my identity opened accounts : XXXX. XXXX XXXX XXXX : {$610.00}, date opened on XX/XX/XXXX. XXXX. XXXX XXXX XXXX : {$500.00}, date opened on XX/XX/XXXX. XXXX. XXXX 's : {$1300.00}, date opened on XX/XX/XXXX. XXXX. XXXXXXXX XXXX XXXXXXXX : {$610.00}, date opened on XX/XX/XXXX. XXXX. XXXXXXXX XXXX XXXX {$1300.00}, date opened on XX/XX/XXXX. XXXX. XXXXXXXX XXXX : XXXX, date opened on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2023-10-16 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: MI

Complaint narrative:
XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions santander consumer

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 2023-10-16 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: TN

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-10-16 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: SLM CORPORATION
State: AL

Complaint narrative:
I have inquiring showing for XX/XX/2023 that i do not recognize it im currently incarcerated and been incarcarated for 5 years i should not have a inquiry on my credit this is fraudualent

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 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/2023, I discovered that my XXXX accounts ( in the amounts of {$78000.00} ) were sold to Citizens Bank. I enrolled after verifying my identity and accessed my accounts, which were dormant and therefore required that I contact them directly. Since XXXX was nation-wide, and Citizens Bank is only on the east coast , I did not have any accessible way of going into a branch and quickly withdrawing my funds and closing the account. I spoke with XXXX, who advised that I transfer the Savings account funds into the Checkings account in order to quickly close the account on XXXX  morning, XX/XX/2023. 

This morning, I called in and proceeded to instruct an agent whose name I do not recall, who told me XXXX had misinformed me and indicated that I would have to transfer the funds out of the account and get the account to a {$0.00} balance before they could close the account. I disconnected the call and called another agent, named XXXX. XXXX echoed the same new instructions. 

I proceeded to initiate a wire transfer to a merchant with whom I have already signed a contract with to sell me a concerted campervan in the amount of {$130000.00}. I inputted this merchant, XXXX XXXX XXXX XXXX  and the routing/account number associated with their organization, and submitted the wire in the amount of {$25000.00} which is the daily limit at Citizens Bank XXXX 

At XXXX XXXX, I received an e-mail indicating the wire transfer was not successful. I proceeded to log back into the account to try again, but discovered that I was entirely locked out. 

I called their customer support number at ( XXXX ) XXXX and was transferred XXXX times until I got to fraud prevention department. I spoke with XXXX, who after a series of holds documenting the case, returned to the call to let me know that there was nothing they could do, asking me to fly from California to XXXX of their closest branches on the XXXX XXXX, at my own expense, dealing with the stresses and XXXX  of having to go through all this simply to access my own funds. I told him I wanted documentation as to how they could justify these actions, but he was not able to accommodate my request, nor give a proper reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A check from me dated XX/XX/XXXX was sent to XXXX by the Bill Pay function of Bank America checking. That physical check was stolen out of XXXX 's mailbox. This check was endorsed clearly incorrectly, yet it was cashed by a check cashing company and then honored by Bank of America. 

I have made numerous, well-documented, attempts to have Bank of America XXXX this matter. They say their people have worked on it. Their last communication to me about this was " As of XX/XX/XXXX, the XXXX XXXX XXXXXXXX XXXX responded that their research is still pending. Any additional updates on the recovery of the payment will communicated here in your Bill Pay correspondence. We appreciate your patience in this matter. " I called Bank of America today, XX/XX/XXXX to make further efforts to resolve this. They say that because the XXXX  XXXX XXXX XXXX has not gotten back with them, there is nothing further that they can do. They did not offer to check on the status of the claim with XXXX  XXXX XXXX XXXX. ( I asked them to but they say this is now pending. ) It is my contention that Bank of America failed to detect clearly fraudulent endorsement. ( The name is not even completely spelled out ). It has been 11 months now since the check was written. My phone calls keep getting passed from person to person at Bank of America and no one takes any initiative to see what the hold up is in getting this matter resolved.

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 2023-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: IL

Complaint narrative:
MRS BPO LLC has been calling and texting looking for someone named XXXX. Ive repeatedly asked them to stop calling because they have the wrong number and they continue to call/text.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion, There is incorrect personal information on my latest credit report that needs to be corrected immediately as its damaging my ability to obtain credit. 

Please see attached : - drivers license - social security card - address - complaint letter

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