vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-11 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:
On XX/XX/XXXX, I received the attached response ( see MOHELA In-School Deferment Waiver Response.pdf ) from MOHELA to XXXX complaint submitted through their online portal on XX/XX/XXXX. 

In my original complaint, I noted that " [ o ] XXXX XX/XX/XXXX, I requested a document to potentially waive future in-school deferments for when I might go back to graduate school so that payments during my enrollment would count towards XXXX. '' As I have not finalized my plans yet and still am waiting on admission to doctoral programs, I also stated in the same complaint " that I am only provided with the document at this time as I have not finalized my decision yet on whether I will or will not waive my in-school deferment. '' MOHELA eventually provided me with the form I would need to submit for a waiver on XX/XX/XXXX. I have not yet turned in the signed request because I still have not been accepted by doctoral programs and have not decided on my final plan. 

Despite this, MOHELA sent me the attached letter that states that my " XXXX XXXX XXXX form has been processed and approved. '' This information is false as I have not returned the waiver form that MOHELA provided me. There is no way a form I never submitted could have been " processed and approved. '' I am still awaiting admission to doctoral programs before deciding whether I will or will not submit the waiver. MOHELA is providing false information about my loans as they have never received the form. I wish for MOHELA to correct the record to indicate that, while they have provided me with a copy of the in-school deferment waiver form for my signature, they have not received a completed form yet, and as such, there is no way they could have approved my waiver request yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/23 In accordance with the fair credit reporting act, XXXX, Equifax, XXXX and XXXX XXXX XXXX XXXX account XXXX has violated my rights. 15 USC 1681 sec 602 States i have the right to privacy. 15 USC 1681 sec 604 A sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi Priority, I opened a new acct in XXXX, I deposited {$15000.00}, I received a debit card, checks, a pin, a confirmation letter. I even tried to deposit more. All of a sudden, they froze my acct & wouldn't tell me why. On XXXX, they sent me a letter saying they closed it because I violated the account terms per the client manual, but won't tell me how, I only had the acct open for less than a week. They said they will mail me my XXXX, sometime in the future. I am very financially responsible person w a very high credit score! I already submitted a complaint with you about this & they replied saying they would send me my money, within 30 to 60 days. It has now been over 3 months since they froze my account & they have not contacted me about sending me my XXXX dollars nor mailed it to me. Previous case ID is 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 2024-02-11 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: TN

Complaint narrative:
Purchased a Google play gift card from XXXX, {$25.00}. Tried to redeem it and was told to fill out a form. Weird, but I did with the original receipt included. Then they tell me I can't use it due to inconsistencies but won't tell me what. I'm pretty sure it's illegal for a merchant to refuse their own gift card. Afterwards finally I got an email straight up saying the gift card I validly paid for is no longer usable, a merchant can not do that. I've included the original receipt as proof of ownership and purchase. Google play email is XXXX. Apparently I have to open another complaint because you all are now ignoring the CFPB. This isn't about the money anymore, it's about Google defrauding me and they are making this much more difficult on themselves than they would have had they honored my gift card.

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 2024-02-12 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-11 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: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
On XX/XX/2024 i reviewed my consumer file and realized there were late payments reporting to my consumer report according to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 
15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumerA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: Early Warning Services, LLC
State: PA

Complaint narrative:
I request early warning report and upon read this report I noticed that over XXXX transactions from my bank reporting on this report. These transactions consist of my bank account transactions history.These transactions were provided by the Banks in which I bank with. According to these bank privacy terms and conditions they stated that my information will not be shared with any third party. I am also aware that this is a violation under the privacy act. Early warning is a third party and for my banks to unlawfully give out my personal spend transactions without my written consent or knowledge is a complete violation of my rights as a consumer. XXXX XXXX XXXX XXXX has reported XXXX of my banking transactions, XXXX XXXX  has reported XXXX of my banking transactions, XXXX XXXX is reporting XXXX of my banking transactions and early warning service is reporting XXXX of my banking transactions all together, along with two other banks that I have not currently list. I have provided documents of each transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I request XXXX XXXX report and upon read this report I noticed that over XXXX transactions from my bank reporting on this report. These transactions consist of my bank account transactions history.These transactions were provided by the Banks in which I bank with. According to these bank privacy terms and conditions they stated that my information will not be shared with any third party. I am also aware that this is a violation under the privacy act. XXXX XXXX is a third party and for my banks to unlawfully give out my personal spend transactions without my written consent or knowledge is a complete violation of my rights as a consumer. XXXX XXXX XXXX XXXX has reported XXXX of my banking transactions, XXXX XXXX  has reported XXXX of my banking transactions, JP Morgan is reporting XXXX of my banking transactions and XXXX XXXX  service is reporting XXXX of my banking transactions all together, along with XXXX other banks that I have not currently list. I have provided documents of each transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: PNC Bank N.A.
State: PA

Complaint narrative:
I request XXXX XXXX report and upon read this report I noticed that over XXXX transactions from my bank reporting on this report. These transactions consist of my bank account transactions history.These transactions were provided by the Banks in which I bank with. According to these bank privacy terms and conditions they stated that my information will not be shared with any third party. I am also aware that this is a violation under the privacy act. XXXX XXXX is a third party and for my banks to unlawfully give out my personal spend transactions without my written consent or knowledge is a complete violation of my rights as a consumer. XXXX XXXX XXXX XXXX has reported XXXX of my banking transactions, PNC bank has reported XXXX of my banking transactions, XXXX XXXX is reporting XXXX of my banking transactions and XXXX XXXX XXXX  is reporting XXXX of my banking transactions all together, along with two other banks that I have not currently list. I have provided documents of each transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: AZ

Complaint narrative:
Hello, I just received an alert that an inquiry from XXXX XXXX was made on my consumer report. XX/XX/2024. 
I AM NOT LIANLE FOR THIS DO NOT GRANT CREDIT. Please delete immediately

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 2024-02-11 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: WA

Complaint narrative:
In XXXX of XXXX  I applied to be put on the SAVE plan on my student loan with Nelnet. I was first told to apply by mail, for which they gave me a fake address that resulted in my application being returned to sender. 

They later accepted an electronic application to which they have yet to respond to despite requiring payments on my loan for 6 months. 

Additionally, I attempted to add a bank account for autopay to take advantage of the interest rate reduction that comes with doing so. They responded by putting my account into forbearance to ensure they remained collecting interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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:
XX/XX/23 In accordance with the fair credit reporting act, Transunion, XXXX, XXXX and XXXX XXXX XXXX XXXX account XXXX has violated my rights. 15 USC 1681 sec 602 States i have the right to privacy. 15 USC 1681 sec 604 A sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

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 2024-02-11 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: MI

Complaint narrative:
XX/XX/23 In accordance with the fair credit reporting act, XXXX, XXXX, Experian and XXXX XXXX XXXX XXXX account XXXX has violated my rights. 15 USC 1681 sec 602 States i have the right to privacy. 15 USC 1681 sec 604 A sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

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 2024-02-12 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: IN

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: IN

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I have received a copy of my consumer reports today XX/XX/2024, and I notice you have furnished transactions on my consumer report that are excluded by law as per FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; A consumers transactions are excluded from the consumer reports.

FICO and or any other risk score or algorithm that you use to calculate a consumer 's credit score, is not a factor where the consumer report is concerned! Definition of what the consumer report means.

consumer report- consumer report In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
FICO or none of its factors, are not defined or included in the definition of the consumer report! Therefore, the reporting of transactions between the consumer ( XXXX ) and the person XXXX XXXX XXXX XXXXXXXX ) is a violation of 15 USC 1681a. The definition of the consumer report does not include FICO or XXXX, which makes their factors or algorithm not a factor where the consumer report is concerned. 

You have furnished transaction information on the following accounts :. 
( List accounts with late payments. ) Account XXXX XXXX XXXX XXXX : All late payments shown shall be updated to paid as agreed and in good standing as shown in the comment section of my Equifax consumer report, per the FCRAs Law, to be fair and accurate. XXXX must update this account as paid as agreed and in good standing as shown on my Equifax consumer reports comment and section to be 100 % accurate and complete as shown in the attached file. 

So please Delete these late payments on this account per 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Thank you for your time, and I know that as a company that follows consumer laws and their practices, you will do the right thing set forth by US Congress 15 US Codes. and make sure my consumer has no inaccuracies and errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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