vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
The federal pause on student loans was set to expire at the end of XX/XX/XXXX with payments resuming on XX/XX/XXXX. With this deadline looming, I went to StudentAid.gov and completed my application for the new SAVE program, which would allow me to redetermine my income-based repayment program and be given a new payment plan for my student loans. I provided all of the required documents and requested information per the application in the middle of XXXX. My one student loan company, XXXX, was very helpful and communicative throughout the process. My other student loan company, Navient, was not helpful, not communicative, and to this day, hence my complaint with you, has been harassing me with phone calls up to 7 times a day for a payment. They have yet to process my application for the SAVE program, they have not given me a timeline for the additional documentation that they asked for and I provided, and they began billing me for the monthly payment of almost {$700.00} on XX/XX/XXXX, despite the fact that payments were not due to begin until XX/XX/XXXX. All of my loans are federal loans. None of them are private loans. Throughout the federal student loan pause, Navient made me complete a redetermination of my loans every year. Even though according to Student Aid.gov, I was not required to complete that redetermination until sometime in XXXX. Prior to my graduate loans being sold to XXXX, they were with XXXX XXXX, and I did not have to complete a redetermination of my loans with them during the federal student loan pause. Navient continues to skirt the law, harass me with phone calls, demand payment on a loan that has historically not had a payment due on it in over 3 years ( I have documentation of no payment being due ), and will drag out the redetermination process for up to 6 months. I am now at a loss of what to do to get Navient to process my SAVE application. I do not know why this particular student loan company is so hard to work with, especially if they want to help people pay back their student loans. I am not one of the lucky ones who received student loan forgiveness and I likely never will, but it should not be this difficult to work with a company to redetermine my loans on a year-to-year basis. I should also not be getting multiple phone calls each day demanding a payment totaling over {$2000.00} when they illegally started requesting payments two months earlier than the government allowed student loan companies to begin billing us. Please help me get Navient to process my SAVE application and complete my IBR payment plan request. Better yet, get them shut down for deceptive practices and all borrowers who have loans with Navient Loans forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report is not reflecting the same information. The XXXX XXXX auto account is showing that the last payment update was on XX/XX/XXXX on Experian and XXXX XXXX is showing XX/XX/XXXX, and XXXX doesn't have a XXXX  auto account showing at all. This issue is hindering me from proceeding in future consumer credit transactions and i will love help to resolve this matter as soon as possible. If possible i would like this account removed due to inaccuracy through my credit report ( FairCreditReportingAct ). Thank you.

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 2023-11-10 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: IL

Complaint narrative:
In blatant violation of the Fair Credit Reporting Act, my rights have been infringed upon by this creditor, specifically by reporting the XXXX account onto my credit report. According to 15 U.S.C 1681 Section 602, I am entitled to privacy protection. Furthermore, 15 U.S.C 1681 Section 604 ( a ) Section 2 explicitly stipulates that a consumer reporting agency is prohibited from furnishing an account without my written instruction. Urgency is compounded by the fact that under 15 U.S.C 1666 ( b ), a creditor is expressly forbidden from categorizing a payment on a credit card account, under an open-end consumer credit plan, as late for any purpose. Immediate attention to rectify these violations is imperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-10 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: FL

Complaint narrative:
HAVE FILED DISPUTE IN REGARD TO THE INCORRECT ITEMS ON MY CREDIT REPORT.ITS HAS BEEN WELL OVER 90 DAYS AND HAVEN '' T RECEIVD ANY INVESTGATION RESULTS on the 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 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I applied for a credit card on XX/XX/23 and got denied. The credit card was Jet Blue Barclays Mastercard. A consumer credit transaction in 15 USC 1691 defines Equal Credit Opportunity Act. This prohibits creditors from discriminating against credit applicants. I have the right to credit.

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 2023-11-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I had XXXX back when I first got with my husband, we have been together 8 years now! I broke my phone about a month after he moved in! Those reports are false! And thats a crime! I have gotten married and have XXXX children, I have not had XXXX since I lived at XXXX XXXX  when I was XXXX, Im about to be XXXX! This is False and needs to come off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: CO

Complaint narrative:
In XX/XX/2023 I called Nelnet, my student loan servicer, to switch my payment plan from the graduated repayment plan ( plan that starts with a low payment and incrementally increases over the years ) to a standard repayment plan ( set payment amount for the duration of the loan lifecycle ). The individual I spoke to said she would be able to switch my plan without issue, and also remove my deferment because I was automatically placed on it without wanting it. I wait for over a month and find that my plan has not been switched over. 

I call back again, this time on hold for over an hour. I was told that the prior customer service representative did not execute the plan switch correctly. She promised she would have it corrected. Then put me on hold for more time to speak with her supervisor and then told me it was corrected. I asked for a confirmation and this individual told me it would be coming. I keep checking back to confirm whether my account has been corrected, and of course, it had not. 

So I called back again, for a third time, now on hold for over an HOUR AND A HALF, this time practically begging for help. This representative told me yet another error had occurred, and they switched me to the same plan that I was already on? How does that make sense? I stated multiple times and very slowly which plan I needed to be on. She said it was corrected, that a confirmation would be coming, and to wait a few days for the change to reflect in my account. 

I waited. And waited, until about two weeks pass by and I log into my account to find that it is completely messed up. My account says my next payment due is around {$190.00}, much lower than what I should be paying, and that three of my loans have been placed back into deferment without my knowledge or consent. I was so furious it almost brought me to tears. I decided to call back then was told by the IVR that the wait time was over an hour long. 

At this point I need help because I can not get this resolved on my own. I am not a borrower who is looking to defer my loans or find my way out of an obligation. I want to pay these loans down and not get buried in interest, and I am doing my best to get on a plan that will allow me to stay ahead of interest and pay these down in a manner I can afford. 

Nelnet 's incompetence creates serious risk for borrowers. I am at risk for getting buried in interest by setting payments so low, combined with a lack of transparency on how to make a principal payment to offset this nightmare, I don't know how to protect myself from a financial harm I am trying to avoid and Nelnet has represented as being available to me without additional approval processes. I need my account corrected immediately because the outcome of this could result in months and even years of hardship. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: GA

Complaint narrative:
My credit report is not reflecting the same information. The XXXX XXXXXXXX XXXX account is showing that the last payment update was on XX/XX/XXXX on XXXX and Trans Union is showing XX/XX/XXXX, and XXXX doesn't have a XXXXXXXX XXXX account showing at all. This issue is hindering me from proceeding in future consumer credit transactions and i will love help to resolve this matter as soon as possible. If possible i would like this account removed due to inaccuracy through my credit report ( FairCreditReportingAct ). Thank you.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My credit report is not reflecting the same information. The Wells Fargo auto account is showing that the last payment update was on XX/XX/XXXX on XXXX and XXXX XXXX is showing XX/XX/XXXX, and XXXX doesn't have a WellsFargo auto account showing at all. This issue is hindering me from proceeding in future consumer credit transactions and i will love help to resolve this matter as soon as possible. If possible i would like this account removed due to inaccuracy through my credit report ( FairCreditReportingAct ). Thank you.

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 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely XXXX and Transunion. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The FCRA requires that Trans Union respond to all complaints in a timely manner : the allowed time for responding to this complaint expired XX/XX/2023. Allowing 45 days, gives Trans Union fifteen more days. Trans Union is currently in violation and continuing to violate the FDCPA, for they have already responded by sending me identical credit report dated XX/XX/2023 without addressing the complaint of XX/XX/XXXX. Trans Union is imposing a date on me that is a violation of the FDCPA dictates. Ill give them 15 daysno more. Any response made after 45 days from the date of my complaint will not be valid for me and all consumers. Allowing Trans Union 90 days is a violation of the FCRA. Therefore, I am reporting to FTC, CFPB, a violation currently occurring. The following statement was Trans Union 's response after not responding to the consumer 's complaint : We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, GA XXXX Please delete all other addresses and names for privacy and accuracy. 

Please delete all employers. They are no longer valid nor accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My only name is XXXX XXXX My only address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Please delete all other addresses and names for privacy and accuracy. 

Please delete all employers. They are no longer valid nor accurate.

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 2023-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
My credit card was closed XX/XX/XXXX unbeknown to me. I just received a copy of my credit report and saw the account had been closed XX/XX/2023. I never received any notice that my account had been close. On my bill due XX/XX/2023 they charged an annual renewal fee of XXXX on my account they closed XX/XX/2023, they also started charging an account maintenance fee of XXXX maintenance fee. I have been charged XXXX on my XXXX, XXXX and XXXX statements. 

I contacted them and they told me my account had been close to frequent overlimit and activity, they approved the authorization 's. 

My credit report shows the my payment history was 97 %. 

I contacted them and they said the fees are charged because I still had an a active account. They account is was closed XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CIG FINANCIAL LLC
State: TX

Complaint narrative:
I am going on my 5th or 6th complaint which before I get into this I just wanted to be known up front that this is my official letter to their management letting them know that I will be taking them to court and I will be pursuing monetary winnings along with lawyer fees and court costs. I think it's quite ridiculous that I pay off an entire loan almost XXXX and you want to try to cheat me on the last XXXXXXXX XXXX XXXXXXXX or {$60.00} whatever it is. It's pretty pathetic if I'm honest and petty especially when I'm so sure and when the actual record reflects as such. Same as my bank account same as everything else except for somebody there for whatever reason doesn't want it that way. I actually just paid off my loan last week I owed {$1.00} on it and I paid it off I have yet to receive even an email or message or anything about me getting my title and I actually wrote you guys an email immediately letting you know I paid everything off and I never got a response. I'm going to take this as blatantly ignoring me and what I said and essentially you're just holding my documents hostage. 
Well lucky for me and unlucky for you I just so happened to locate the text message I received when I made that payment that you guys happen to be missing the numbers on.. And the absolutely hilarious thing is the same thing I've said since the absolute day number one that you guys are so arrogantly denying and have so arrogantly closed out as if you knew any better well here you go it's funny that there is a {$1.00} difference between the amount I paid and the amount that was owed This is an open and closed case. Stop messing with my credit stop doing illegal things and give me my title immediately.

Company response to consumer: Closed with explanation