vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: QC HOLDINGS INC
State: MO

Complaint narrative:
I told company I am on social security XXXX I have had XXXX attacks and strokes and my bank account is over drawn because of identity theft and they won't fixed it they expect me pay {$420.00} then pay these loans too

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) is reporting false information on my credit report. I filed a XXXX  XXXX bankruptcy in XXXX of XXXX  and the vehicle was included in that. The vehicle was returned to the XXXX  XXXX XXXX after my discharge which was granted XX/XX/2023. 

The vehicle was removed off my Transunion credit report after vehicle was returned and a month later on or around XX/XX/XXXX they reported the vehicle back to my Transunion Credit report as being 30 days late, which also made my credit score drop over XXXX. 

I have filed a dispute with Transunion 3 times now and submitted my bankruptcy paperwork and they come back with the same results as account verified and accurate which is not true.

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 2023-11-13 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: NY

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Email : XXXX Date : XX/XX/2023 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXn New York 1XXXX Email : XXXX Date : XX/XX/2023 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: NC

Complaint narrative:
Since the end of XX/XX/2023, my wife and I have attempted to contact Nelnet numerous times, with their hours changing without notice from what was advertised, regarding the payments for our student loans. We can not afford the payments that Nelnet is attempting to collect and we were under the impression that any IDR plans or applications would be transferred to Nelnet from Great Lakes. Today, XXXX XXXX, XXXX, we got someone on the phone after being on hold for XXXX hours, got through, and were placed on hold for over half an hour thus far with no additional communication. You can look at an umpteenth amount of posts from borrowers spanning from XXXX to XXXX that have been trying to get payments settled in vain. We have a child that we are expecting in the coming months and Nelnet 's lack of transparency, communication, and downright thievery of government funds has caused undue stress on our growing family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have been receiving notices from Chase that my homeowners insurance is expiring and that they will purchase insurance on my behalf and bill me for that. 

My homeowners insurance is not expiring and the policy is currently in place and my premium payments are up-to-date. 

I've contacted Chase and my insurance agent but Chase seems totally oblivious to this and seems intent on defrauding me by charging me for a policy that is not needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: AL

Complaint narrative:
Google has been wrapping its tentacles around my financial affairs that have been hidden from me for years. I have never owned a Google Pay account, however, I received an email that I did. Subsequently, this was an annual notice, therefore this fraud has been going on for at least a year. Google also has used their cellular phone service ( Goodgle fi ) to reroute calls although my official carrier is XXXX XXXX XXXX. I have reported this several times. My phone has not traveled outside of XXXX, Alabama in approximately three years, and yet my phone would sometimes show a location in Georgia, Florida, and also different counties in Alabama. Consequently, this would also coincide with someone trying to cash a check. XXXX has also made it impossible to protect the phone through an app that I bought that was compatible with the phone I was using. XXXX sent a push notification, stating it did not recognize the phone. This has happened with approximately three phones. I am alleging that XXXX employees including tech support are using their position of public trust to steal consumer 's information as they partner with fraudulent banks and money apps. Again, I did not purchase Bitcoins and did not view any financial catalogs, Finally, now when I make a purchase using my XXXX account. XXXX sends me a notification that the phone is new and the phone location is in another place, last notification the phone was supposed to have been in Georgia. I was not in Georgia, XXXX recommended changing the password, however, I am constantly changing the password as XXXX moves the location of the phone with an e-sim that should not be on my phone and I believe that XXXX, XXXX, and some more organizations are complicit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: TX

Complaint narrative:
Ive disputed these accounts to Experian, XXXX XXXX XXXX I have definitely been a Victim of Identity Theft and these accounts Ive reported they keep saying its mine they dont belong to me and sure dont belong on 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 2023-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
We were unable to pay our last few bills on line. We were told it would fix itself and to wait. Well now we have a 42 day late pay on our record. If by chance someone finally told us to pay via certified check via the mail. 

This killed our chances for a VA home loan. I wish the person would have told me that the first time I called. This would have never happened and now we are begging them to reconsider their decision and remove it from our credit report as it was not our fault and it was our very first late pay with them. Our home is paid off in XXXX but this mess up is impeding us from a home purchase. 

Thank you for taking the time to read this letter. We are writing because we noticed that our most recent credit report contains a late payment of {$500.00} reported in XXXX of 2023 to the credit bureau for our XX/XX/2023 mortgage payment to XXXX XXXX XXXX XXXX XXXX. 

We want you to know that we understand our financial obligations, and if it werent for the help of your customer service and researching staff noticing that the payment function was grayed out from our account so the final/last few payments could be made via telephone and sent out via certified funds, etc., we would have an excellent repayment record. 

We made a mistake and took for granted in thinking the XXXX payment system or option would repair itself and the payment option would be restored and let us make the XXXX payment sooner rather than later with no consequence, etc. 

This was a true wake up call for us. Please know we did have the funds to pay our XXXX and XX/XX/2023 bills at the ready but our delay, complacency and over excitement to have our first ever home paid off got the better of us. 

Since then, we have had a spotless record of on-time payments. Now that my wifes father has passed on and her eighty-three-year-old mother needs to move in with us we are planning to apply for a Veterans ( VA ) Home Loan to purchase a home to better suit her medical needs. 

It has come to our attention that the missed payment on our record is hurting our ability to qualify for a Veterans ( VA ) Home Loan. We truly believe that it does not reflect our credit worthiness and our commitment to repay our debts. 

It would help us and our family immensely if you could give us a second chance and make a goodwill adjustment to remove the late XXXX payment from XXXX of 2023 credit bureau report. 

Thank you for your consideration, and we hope you will approve our request.

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 2023-11-13 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: EQUIFAX, INC.
State: NM

Complaint narrative:
We were unable to pay our last few bills on line. We were told it would fix itself and to wait. Well now we have a 42 day late pay on our record. If by chance someone finally told us to pay via certified check via the mail. 

This killed our chances for a VA home loan. I wish the person would have told me that the first time I called. This would have never happened and now we are begging them to reconsider their decision and remove it from our credit report as it was not our fault and it was our very first late pay with them. Our home is paid off in XXXX but this mess up is impeding us from a home purchase. 

Thank you for taking the time to read this letter. We are writing because we noticed that our most recent credit report contains a late payment of {$500.00} reported in XXXX of 2023 to the credit bureau for our XX/XX/2023 mortgage payment to XXXX XXXX XXXX XXXX XXXX. 

We want you to know that we understand our financial obligations, and if it werent for the help of your customer service and researching staff noticing that the payment function was grayed out from our account so the final/last few payments could be made via telephone and sent out via certified funds, etc., we would have an excellent repayment record. 

We made a mistake and took for granted in thinking the XXXX payment system or option would repair itself and the payment option would be restored and let us make the XXXX payment sooner rather than later with no consequence, etc. 

This was a true wake up call for us. Please know we did have the funds to pay our XXXX and XX/XX/2023 bills at the ready but our delay, complacency and over excitement to have our first ever home paid off got the better of us. 

Since then, we have had a spotless record of on-time payments. Now that my wifes father has passed on and her eighty-three-year-old mother needs to move in with us we are planning to apply for a Veterans ( VA ) Home Loan to purchase a home to better suit her medical needs. 

It has come to our attention that the missed payment on our record is hurting our ability to qualify for a Veterans ( VA ) Home Loan. We truly believe that it does not reflect our credit worthiness and our commitment to repay our debts. 

It would help us and our family immensely if you could give us a second chance and make a goodwill adjustment to remove the late XXXX payment from XXXX of 2023 credit bureau report. 

Thank you for your consideration, and we hope you will approve our request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 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: OH

Complaint narrative:
Nelnet is my federal student loan servicer, and they have been nothing but issues from the start. I was transferred from Great Lakes to Nelnet for my federal student loans. In XXXX of 2023, I signed up to be placed on the SAVE plan during their beta period. Nelnet then chose for me what my plan would be based on " the lowest payment per month. '' I wanted to be put on the SAVE plan and they DID NOT place me on the SAVE plan but instead placed me on the PAYE plan and it doubled what my monthly payments would be. I simply can not afford this and can not get someone on the phone line in order to correct this. Now I have a past due payment that I can not afford and another payment upcoming in one week that I also can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
Payments are always made before the due date. Payments are made on theXXXX due date is the XXXX. A late fee of approx {$41.00} is attached to the account every month. As well as they added interests was added onto the account without notification. This has happened more than once on my account. I know other people that this is happening to as well on a monthly basis. Also when I applied it was supposed to be a fixed loan and found out after signing that it is a variable loan. The payment has always been on time and they upped the payment without notice or giving an explanation as to why they did. Any contact is always an arguments.

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 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX, I switched to a new XXXX and transferred all of my XXXX XXXX cards to the new XXXX. All of them transferred successfully, except my credit cards from Citi Bank, which were immediately flagged as " fraud '' and frozen, so I could no longer use them. This is the fifth time in five years that I have had this problem. It occurs every time I switch phones or get a new XXXX XXXX and every time I have to call to resolve it. 

On the same day at XXXX EST, I called Citi Bank to try and cancel my account because I did not want to deal with these issues anymore. Citi informed me that they would not close my account until they verified my identity and the only way to do so was to send me a text, but that it could NOT be to my phone number, the number I have had on file since first opening my account with them, and for over 15 years. They further said that I could provide " any '' phone number and they could send a text to it to validate my identity. I do not have another phone number. 

The agent escalated to a supervisor who repeated it and said they would send me a letter before saying " Okay goodbye '' and disconnecting the call. 

I called back on that same day at XXXX EST. The agent again refused to close my account or take any action whatsoever because they could not send me a text.

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 2023-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also because my credit was affected by the XXXX  Data Breach and I have put a freeze on my credit profile because I dont want any one to get access to my information. I have paid for the monitoring service from XXXX since the free credit monitoring service was provided through XXXX for customers. I believe it ended in XXXX and I've been paying for a monthly subscription since XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO was supposed to credit my business checking account a {$500.00} bonus but they only credited me {$300.00}. On XX/XX/2023 they credited my checking account {$300.00} when it was supposed to be {$500.00}. Here were the terms of the offer which I have fulfilled. I deposited over {$10000.00} and made 10 debit card transactions. I was on the phone with BMO customer service for over 1 hour and they keep giving me the run around. I have had enough with this bank and their games. 

{$500.00} Business Advantage Checking bonus : Deposit at least {$10000.00} within 30 days of account opening. 
Once your balance reaches {$10000.00}, your balance can not drop below {$5000.00} for the next 90 days. 
Have at least 10 electronic transactions post to the account within 90 days of account opening. Electronic transactions can be any combination of ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions. ATM transactions and POS credits do not qualify.

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 2023-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
Over a year ago I went to the emergency room, upon being released I talked with the front desk and they were able to waive my charges due to my financial situation. Over a year went by and I noticed a collection on my credit report for {$820.00}, I called the company and they claim it was related to medical bills from a year ago. I never received any bills from the hospital, in fact I have paperwork showing I have {$0.00} balance. I called the company again after trying to distthe charge with my credit company for months and now they say there is a second collection of over {$2000.00} alongside the {$800.00}. They will not remove this from my credit report and want me to make payments to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: TX

Complaint narrative:
Ive disputed these accounts to XXXX, Transunion XXXX XXXX I have definitely been a Victim of Identity Theft and these accounts Ive reported they keep saying its mine they dont belong to me and sure dont belong on 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 non-monetary relief
Consumer complaint received 2023-11-13 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: TX

Complaint narrative:
Ive disputed these accounts to XXXX, XXXX XXXX Equifax I have definitely been a Victim of Identity Theft and these accounts Ive reported they keep saying its mine they dont belong to me and sure dont belong on my credit report.

Company response to consumer: Closed with explanation