vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 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: MN

Complaint narrative:
I submitted my Public Student Loan Forgiveness application to MOHELA on XX/XX/XXXX. On the website it states up to 30 calendar days for processing. I called after 21 days to check on the status and I was told it is now 30-45 calendar days for processing. I called back again today ( XX/XX/XXXX ) and was just told it is up to 45 business days for processing. Meanwhile on the website it still clearly states 30 calendar days. I am very worried about the consistency and ultimate processing of my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: EdFinancial Services
State: MD

Complaint narrative:
We have a Parent Student Loan for our daughter who is a XXXX  at XXXX, with EdFinancial. In XXXX thet moved to a new web platform, and when I logged in the payment history showed only a single payment in XX/XX/XXXX, despite the fact we have made monthly payments in excess of {$14000.00} since late XXXX. I have emailed the company multiple times requesting our records be updated and corrected, have three times uploaded to our account bank records proving the payments were made, and spoke on the phone with a customer service agent yesterday, XX/XX/XXXX. The agent said they could not provide a full loan history because payments before XX/XX/XXXX made on their old platform would not transfer, and that payments after XX/XX/XXXX had to be " investigated ''. She promised to email me confirmation of the correct payment address, but I never received. 

We want a complete loan history and proof that our timely payments have been applied an interest charges have been properly calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted this company is XXXX and this company has continued to violate my consumer rights. They are in violation in 15 USC 1681 B-Permissible Purpose, 15 USC 1681 Q, 15 USC 1681C-2 . This company responded to my dispute as you can see in the document attached stating that this account has been verified by the company reporting it. However, you also can see that I have a letter attached from the company US Bankruptcy Court where they are stating they did not verify any of my information with these consumer reporting agencies. This company is falsely reporting inaccurate information on my consumer report and I am demanding they stop and remove this fraudulent information for their financial gain. This is illegal!!! Here are all the documents I have sent to them showing them proof they are illegally using my personal information and they have refused to stop. RMEOVE THESE ACCOUNTS 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 2023-11-30 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
Mohela placed me in administrative forbearance without a request from me. I am on autopay, so my interest rate is 8 %. However, when Mohela put me in forbearance they jacked the interest up to 8.25 %. I called and asked for the forbearance to be removed and was told it would be. It wasn't, and I made a manual payment for XXXX. Supposedly, the forbearance was to expire on XX/XX/29 ; however, as of today my account is still in forbearance and interest is still being calculated at 8.25 %. I have sent two emails to Mohela about this but I have yet to get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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, Experian and XXXX 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
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 XXXX 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
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
A firm by the name of XXXX XXXX XXXX contacted me about 3 months ago about a debt. Gave me a case number said I was getting sued if I didnt pay the amount owed over the phone. I told them to send me a debt verification letter in the mail, never received one. They quit calling until Monday XX/XX/XXXX. They have called the last 4 days beginning aXXXX XXXX XXXX from different numbers. Told the guy today that I needed a verification letter sent out, he says he is recording everything I am saying to play in open court. He says that the company retained them however when I contacted the original creditor they say the debt was bought by someone else. He says they have sent me 3 or more letters in the mail however they have not. He then told me he was going to put me on hold while I figured out how I was going to pay my debt over the phone. He left me a voicemail saying letters had been mailed out but on the voicemail the address he left on the voicemail was not correct. I tried to explain that to him and he argued with me and then told me the correct address but said that I told him I moved. He left me a voicemail telling me not to call their office back anymore and good luck with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: Block, Inc.
State: MD

Complaint narrative:
I made a purchase for glasses via the cash app in app offer for 10 % Cash app charged my card visibly seen of XXXX. I have asked for a manager, cash app has poor customer service. They updated my transaction to XXXX which I was not charged at XXXX XXXX XXXX. I was told that this ill take 10 business days. I am XXXX and had to pay for XXXX. Cash app is dangerous and business practices should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is a Formal Complaint against Bank of America Regarding Deliberate, Unjustified and Unwarranted Delay in Processing Refund Claims. These delays are now causing me severe financial hardship. This intentional failure by Bank of America not only contravenes established banking practices but also subjects me, the client, to significant financial harm and undue stress. On XX/XX/2023, I initiated two refund claims with Bank of America in the total amount of {$4700.00} [ Claim # XXXX {$2000.00} AND Claim # XXXX {$2700.00} ], pursuant to a transaction involving " Real Qualified ''. The Vendor, acknowledging the legitimacy of the claim, has promptly AGREED TO REFUND THE DISPUTED AMOUNTS. Documentation submitted to Bank of America, including the Vendor 's evidence of unsuccessful resolution of both disputes ; along with the Vendor 's acknowledgment and FULL INTENT TO REFUND. Despite the Vendor 's compliance claim and the conclusive evidence presented, Bank of America has intentionally and maliciously failed to process the refund in a timely manner, violating its duty to act promptly and in good faith under applicable banking regulations. In addition to the financial hardship, I wish to bring to your attention that I have called Bank of America 's Claim Department multiple times, nearly daily. Each time I call, I am informed that the " Back Office '' is responsible for resolving this matter. However, there is no available means to contact the Back Office directly, whether by phone, email, or mail. In light of the Vendor 's acknowledgement and the evidentiary support provided, Bank of America 's continued failure to process the refund constitutes a breach of fiduciary duty, a violation of federal banking regulations, and a breach of the duty of good faith and fair dealing implicit in the banking relationship. I respectfully request that the Consumer Financial Protection Bureau of the Currency conduct a thorough investigation into this matter, compel Bank of America to promptly process the refund, and take any necessary corrective actions to ensure compliance with applicable banking regulations. I appreciate your prompt attention to this matter and look forward to a resolution that upholds the principles of fairness, transparency, and consumer protection within the banking industry.

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 2023-11-30 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: MS

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: NC

Complaint narrative:
I paid off the full balance of my XXXX XXXX XXXX XXXXXXXX ) credit card ending in XXXX. I requested all cash back dollars to be paid out in XXXX of XXXX. I requested that the account be fully closed in approx. XXXX of XXXX via phone. The account was REMOVED from the online banking AND app banking systems. Statements were NO LONGER BEING PRODUCED. To my knowledge, the account was closed successfully. The absence of this account on ANY records, support that they began the process of closing the account, but did not report it in a timely manner to credit bureaus. 

In XXXX of XXXX, I was notified that they were closing my account : which was supposed to have been closed several months prior. I relayed this to multiple representatives, none of whom were able to assist in any notable capacity. 

XXXX is refusing to correct their tardy credit reporting. They are refusing to audit the account history. They are refusing to supply documents to me to review personally. 

After attempting to resolve issue in XXXX of XXXX, I did not receive any new emails or letters about this account ending in XXXX. Now after months have passed, they are YET AGAIN showing this account as active in email messages : this demonstrates their inability to properly monitor and document the status of this account. ( see attachment )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: TX

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
Subject : Urgent : Continued GPS Malfunction in New XXXX XXXX XXXX  - Seeking Resolution Dear CFPB, I hope this message finds you well. My name is XXXX XXXX, and I am writing to bring to your attention a concerning issue I have been experiencing with my recently purchased XXXX XXXX XXXX 

In the first month of ownership, the GPS system in my vehicle ceased to function entirely. As the vehicle is still well below XXXX miles and covered by an extensive warranty, I promptly contacted Toyota for assistance. Regrettably, the initial response was inconclusive, and I was charged for a diagnostic examination despite the persistent malfunction. 

Seeking additional insights, I discovered through online forums, particularly XXXX, that numerous fellow XXXX XXXXXXXX XXXX owners have reported an identical issue. The consensus points to a faulty antenna within the Head-Up Display ( HUD ) unit, unique to the XXXX XXXX, which does not bypass the phone signal. This poses a significant safety concern for me as the primary user of this vehicle, especially given that it is a family car with a newborn on board. 

During my initial contact with Toyota, I was informed off the record that the company is aware of this widespread problem. However, I was disheartened to learn that the potential cost of a recall has dissuaded the company from taking proactive measures to address this critical safety issue. 

Subsequent interactions with Toyota representatives have provided conflicting explanations, including an assertion that the problem may be linked to my phone, which is demonstrably not the case as the phone functions seamlessly once disconnected from the car. The latest communication from the dealership suggests that a forthcoming software update will address the issue, but I am concerned that this resolution may be insufficient. 

Given the safety implications and the persistence of the problem, I am reaching out to seek your assistance in resolving this matter promptly and comprehensively. As a consumer who values the Toyota brand, I believe in the importance of maintaining the highest standards of safety and customer satisfaction. 

I kindly request your intervention to ensure that my concerns are thoroughly addressed, and a viable solution is implemented without further delay. Additionally, I am open to discussing this matter further and would appreciate the opportunity to speak with an appropriate representative to provide additional context and details. 

Thank you for your attention to this matter, and I look forward to a swift and satisfactory resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: PR

Complaint narrative:
THEY REPORTING A BANKRUPT XXXX XXXX IN MY CREDIT REPORT THAT IS NOT MINE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I signed up for the Chase Sapphire Reserve card which holds a fee of {$590.00} per year and {$75.00} for additional card holders. The card advertised a feature called Priority Pass. With this benefit I was promised {$28.00} discount for myself and up to two guests at many airport restaurants around the world. 
I received not only my Chase card, but the Priority Pass card in the Mail. When I went to use the Physical PP Card it was not activated. In fact after many phone calls etc it took around one month to get the service working. Many employees told me I would re reimbursed for my $ XXXX in personally paid expenses. Although Chase/PP was at fault I was denied any reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I enrolled in a debt repayment plan to responsibly pay my debt to Barclay 's XXXX XXXX due to my child having special needs and needing to create a sustainable repayment plan with my new financial responsibilities. Barclay 's accepted my debt repayment plan on XX/XX/2023 ( see attached email from In Charge Debt Solutions ), but failed to change my required monthly payment to the plan agreement of {$39.00}. In XX/XX/2023 ( see attached statement titled Barclay 's XXXX ), In Charge Debt Solutions paid them the agreed upon monthly payment of {$39.00}. At that point, my account went past due because Barclay 's did not change my minimum payment due until XX/XX/2023 ( 4 months past the agreed upon new rate ). 

The monthly payment is now correct ( after I called Barclays several times ), and is paid directly by In Charge Debt Solutions. However, Barclay 's continues to report my account as 60 and 120 past due, when in fact, I have never been late ( see attached statements showing no late payments or past due amounts prior to the agreed upon debt repayment plan ). When I call, the representatives agree with this account and open a new dispute, but the office that reviews disputes continues to state I was past due PRIOR to the debt repayment plan, and refuse to change my status in their credit reporting. I am unable to speak with anyone in the dispute department that handles credit reporting. I have called every month since XX/XX/2023, and they continue to file a new dispute, and continue to reject it without any factual data indicating I was past due prior to enrollment in the debt repayment plan. This is an error on Barclay 's part by not correctly adjusting my monthly payment amount due in XXXX of 2023 ( after agreeing to the new payment amount in XX/XX/2023 ), causing my account to go past due in XX/XX/2023. 

This issue has destroyed my credit, which has always been around 700. I am a home owner and a single mother, and I have worked hard to maintain a good credit score. I would appreciate any suggestions on how to remedy this incredibly unfair situation.

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