vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
On XX/XX/XXXX I submitted an Employment Certification Form ( ECF ) to try and certify my employment and update my payment counts as I am pursuing Public Service Loan Forgiveness. My current payment count is at 115 out of the 120 required. However, I have 7 months that are still not certified because MOHELA is taking an extremely long time to process any forms. I should now be at 122 out of the 120 required payments and my loans should be eligible for forgiveness. I submitted another ECF on XX/XX/XXXX which would be the month of my 120th payment, which is still marked as " processing '' ( the same as my XXXX  submitted ECF. 

I am now afraid to submit another ECF because I have learned that MOHELA will marke these forms as " Duplicates '' and start your processing all over. 

I have spoken with Congressman XXXX XXXX 's office and they have reached out to the Dept of Ed and I was told that I still show only 115 payments through MOHELA. They reached out to MOHELA about a month ago and have gotten no reply. 

The point is, PSLF was signed into law in XXXX. I have completed my time in public service while making these payments every month. I am now eligible for forgiveness. The anxiety of this is so very stressful and I am just trying to get answers and a move on with my life. 

I feel that MOHELA 's delay in processing these forms has caused me so much stress that I found the CFPB to look into their operation. 

Thank you

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I previously contacted TransUnion about my credit inquiries. Now, three that were business inquiries are reporting on my personal credit report, which is not supposed to happen. The inquiries are from XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX ) and XXXX XXXX XXXXXXXX ( XX/XX/XXXX ). At this time, the inquiries have not been removed as requested.

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Notice of Intent to XXXX Transunion is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is reporting bankruptcy case number XXXX as belonging to The Consumer. The company has continuously violated The Consumers rights by reporting this inaccurate information. As of XX/XX/23 The Consumer has not received notification that The Company has deleted the above mentioned bankruptcy from its database. The Company has also not removed the accounts reporting as associated to said bankruptcy as previously requested. Listed are the accounts to be deleted : * XXXX : # XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The Company is also inaccurately reporting a late payment : XXXX - Should be marked as PAID, Never Late

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 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Prosper Marketplace, Inc.
State: VA

Complaint narrative:
I made an extra {$100.00} payment on XX/XX/XXXX that bounced so a hold was put on my card, even though there was no payment due at the time. I called to remove the hold and the rep told me to make a minimum payment and the hold would be removed. I made two payments, both for more than the minimum payment on XXXX and XX/XX/XXXX. The hold was still active. I called again to have the hold removed and was told by a different rep that it would come off on XX/XX/XXXX. I didnt have any payments due and had made more than my min payments. Ive been a customer less than six months. I spoke with a supervisor who was not helpful so I simply closed my account. She made no attempt to remove the restriction nor to retain my business.

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 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION
State: VA

Complaint narrative:
My company was charged at least {$18000.00} in XXXX  months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) due to what was called late fees and interest fees. When I discovered the issue in XX/XX/XXXX I contacted the company to discuss the statements and payments made, they were unwilling or unable to explain why I was being charged. Instead I was told the system attached the fees and there was nothing they can do about it even though my balance was paid in full.

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 XXXX : # XXXX, XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

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 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, 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 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 non-monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
During the past XXXX months we have fallen behind paying our bills. We have been making double payments in an effort to get our monthly budget back on track. For the credit card company we are filing the complaint against the last time a payment was made was XX/XX/XXXX. The monthly due date is the eighth of the month. On XX/XX/XXXX, a large payment ( {$1500.00} ) was deducted from an alternate checking account without our consent ( Only XXXX of our XXXX checking accounts is used to pay all the bills ). The result was a negative balance and an insufficient funds fee of {$36.00}. We contacted the company and they agreed that it was an unauthorized payment made by phone ( we always pay online ) but it will take a few " cycles '' before the error can be corrected. The problem with this is that we have had a limited income, I have resumed working part-time after a period of inactivity due to circumstances beyond our control, and making payments to other credit card companies.

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: MO

Complaint narrative:
Sagestream is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. 

The Company is reporting inaccurate information on The Consumers, consumer report. Listed is the inaccurate information to be deleted : SECTION 2 : STANDARDIZED INFORMATION TO GENERATE THIS REPORT : Address : XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX Phone : Date of Birth : XXXX SECTION 3 : OTHER REPORTED PERSONAL INFORMATION : Date of Birth XXXX XXXX Social Security Number XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX Phone Numbers XXXX XXXX Email XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-13 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: NY

Complaint narrative:
I have two separate issues with my application for Public Service Loan Forgiveness ( PSLF ) that I have made Mohela aware of on several occasions, but neither has been resolved, and the application has been in " processing '' for many months. 

First, Mohela is erroneously saying that my employment is " not certified '' for all my loan payments between XX/XX/XXXX and XX/XX/XXXX, despite clear proof that I have been employed at the same 501 ( c ) ( 3 ) nonprofit organization since XXXX of XXXX. The attached individual payment summary shows the " Employment Not Certified '' status for all loans between XX/XX/XXXX and XX/XX/XXXX ( see pp. 9-15 ), while the attached Employment Certification Form ( from XX/XX/XXXX ) shows that I was employed continuously at the same organization between XXXX of XXXX and XX/XX/XXXX. I have brought this problem to Mohela 's attention multiple times by phone and written correspondence, and have waited many months for it to be resolved, but nothing has happened. 

Second, although I made monthly payments to XXXX throughout XXXX and XXXX on my consolidation loans ( see attached " XXXX XXXX Payment '' spreadsheet ), Mohela has not given me credit for any payments on these loans ( identified as " 1 DL Consolidation Unsubsidized '' and " 2 DL Consolidation Subsidized '' ) between XX/XX/XXXX and XX/XX/XXXX ( see individual payment summary pp. 63-69 ). Again, I have made Mohela aware of this issue, provided them with the relevant information, and have sent them the XXXX XXXX XXXX summary, but they have not resolved the issue despite many months of waiting. 

I am eligible for PSLF now and want to complain about Mohela 's inattention to these simple, easily resolvable issues.

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
A company named XXXX XXXX XXXX XXXX XXXX XXXX XXXX is trying to collect an old installment line of credit that I previously settled in full with Advance Financial 24/7. I have an email from XXXX from XX/XX/XXXX stating the loan number and that the message serves to confirm the loan had been settled in full. In XX/XX/XXXX, I started receiving phone calls and mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that Advance Financial sold the account to them for collections for an amount of {$2600.00}. Even after providing them with the original email stating the account was settled in full, they continue to tell me I owe it. I am concerned that it will harm by credit score that I've worked hard to repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My debit card was stolen and used for purchases totaling {$18000.00}. I submitted 2 disputes to Chase and they were both instantly denied without further verification, and now I can not submit another dispute because their policy states that once a dispute gets denied it can not be resubmitted. My life savings were stolen and Chase won't do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2023 XXXX : I called XXXX and spoke with a representative that misinformed me saying that there was no promotion for 3 free nights + {$250.00} gift card when I applied. She said that I applied for the card XX/XX/XXXX, and that the promotion I desired didn't start until XX/XX/XXXX ( confirming its real, just didn't do it in time ). She said I was instead provided {$250.00} + 50,000 points. This is not what I signed up for and there was no mention about this on their website at the time. If I knew I wouldn't be getting the 3 free night promotion, I would not have applied for this card. 

I asked to be transferred to a supervisor, when I was transferred I didn't get any response from the other side. I sat there waiting for 50 minutes. During that time I could hear shuffling in the background. Clearly the person was just away from their desk not doing their job. Around 50 minutes when I could hear them come back to their computer, they disconnected the line. 

Call 2 : Called right back and immediately asked for a supervisor, this time i spoke with someone who listened and said she would put in a request for review. She said I would get a letter in the mail and not a phone call. They did not ask for any documentation from me to help my case. 

After this call, I decided to keep looking for proof of this promotion. I was able to use an internet archive tool that shows that the 3 free nights promotion was active during the time I applied. There was no promotion about {$250.00} + 50,000 points when I applied on their website.

Call 3 : I called and spoke with another supervisor trying to see if there is an email I can submit my proof to showing why I should be honored the 3 free night rate. Supervisor told me that " the promotion was probably active at the time, but I didn't qualify, so instead I was automatically given this other promotion ''. If that is the case that is bait and switch, I never would have proceeded with the credit card application if I knew I would be getting 50,000 points instead of 3 free nights ( worth up to 150,000 ). 

After numerous holds by that supervisor, she disconnected the line on me. I am now filing this complaint after 2 disconnected calls. I have no faith that anyone at Chase is taking me seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was not given the government assist modification when in need of a modification in 2011.

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